In this episode of Is A Reverse Mortgage Right for You?, Cheryl Scheidell talks with Jodi Stokes, owner of Jodi Stokes Fitness, LLC, about the importance of exercise and functional movement throughout the aging process.

Jodi brings decades of experience in fitness and wellness and has a BS in Exercise Science, a Master's in Health & Wellness, women's health training, CBT/productivity coaching experience and is the author of Water Exercise by Jodi. Her concierge fitness approach includes customized training and wellness support, including mobile and water-based exercise.

In this episode, Cheryl and Jodi discuss:

• How much exercise we really need as we actively age
• The best types of workouts for older adults
• Functional fitness for people who are moving or downsizing
• Whether you really need an hour to exercise
• How to separate good fitness information from internet misinformation
• Why muscle strength matters as we age
• Exercise, balance and fall prevention
• The benefits of water exercise
• The importance of rest and recovery
• How to get started if you've been inactive

Connect with Jodi Stokes

Jodi Stokes Fitness, LLC
BS Exercise Science
Master Health & Wellness
Women's Health
CBT & Productivity Coach
Author, Water Exercise by Jodi

• Email: jodi@jodistokes.com
• Website: https://jodistokes.com/
• Facebook: Jodi Stokes Fitness
• Instagram: Jodi Stokes Fitness
• YouTube: Jodi Stokes Fitness

Jodi provides personalized fitness and wellness coaching, including concierge-style training designed around an individual's goals, lifestyle and abilities.

Connect with Cheryl Scheidell

Cheryl Scheidell
Reverse Mortgage Specialist / Senior Mortgage Loan Originator
Barrett Financial Group, L.L.C.
NMLS #181106 | Cheryl NMLS #886425

Phone: 480-817-4324
Email: cheryls@barrettfinancial.com
Website: ReverseMortgageAndBeyond.com
YouTube: https://www.youtube.com/@ReverseMortgageandBeyond

Upcoming Lunch & Learn

Tuesday, October 13
11:30 AM – 1:30 PM
Total Wine — 1900 E. Rio Salado, Tempe, Az 85281

Reverse Mortgage and Probate — Educating Referral Partners

Join Cheryl for an educational Lunch & Learn designed for professionals who work with seniors, homeowners, families, real estate and retirement planning.

RSVP: Cheryl at 480-817-4324

For upcoming events and additional information, visit ReverseMortgageAndBeyond.com.

Disclaimer

This program is for educational purposes only and is not intended to provide financial, legal, tax, medical or investment advice. Reverse mortgage programs have eligibility requirements and costs. All loans are subject to credit approval and program guidelines. This is not a commitment to lend.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

In this episode of Is a Reverse Mortgage Right for You?, Cheryl Scheidell is joined by Lori Stauffer from the Scottsdale Department of Community Relations for an important conversation about fall prevention and aging safely.

Falls aren't simply something that "happens to old people." They can be life-changing, which makes prevention, awareness and planning important parts of maintaining independence and quality of life.

In this episode, Cheryl and Lori discuss:

• Why people often don't recognize their risk of falling
• Why falls are a serious issue
• Safety risks in and around the home
• Medical condition and medication management
• Maintaining independence, self-reliance and autonomy
• Quality of life and continuing to do the things you enjoy
• The burden placed on family caregivers
• The importance of a comprehensive assessment
• Resources that may help people remain independent
• Whether Independent Living or Assisted Living is appropriate
• What families should consider when evaluating care options

Contact Lori Stauffer

Lori Stauffer
Scottsdale Department of Community Relations
Email: lstauffer@scottsdaleaz.gov

Contact Cheryl Scheidell

Cheryl Scheidell
Reverse Mortgage Specialist / Senior Mortgage Loan Originator
Barrett Financial Group, L.L.C.
NMLS #181106 | Cheryl NMLS #886425

Phone: 480-817-4324
Email: cheryls@barrettfinancial.com
Website: ReverseMortgageAndBeyond.com

YouTube: @reversemortgageandbeyond with Cheryl Scheidell

Important Disclaimer

This is not a commitment to lend. All loans subject to credit approval.
nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

Reverse mortgage programs have specific eligibility requirements, costs and obligations. Homeowners remain responsible for property charges, including taxes, insurance, HOA dues and property maintenance.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

What if your home equity could be part of the conversation when planning for retirement?

In this episode of Is A Reverse Mortgage Right for You?, Cheryl Scheidell, Reverse Mortgage Specialist with Barrett Financial Group, is joined by Tammy Semler, Founder and Advisor at Lighthouse Retirement Services, for a conversation from both the reverse-mortgage and financial-advisor perspectives.

Rather than looking at a reverse mortgage as a standalone mortgage product, Cheryl and Tammy discuss how home equity may fit into a homeowner's broader retirement strategy—including cash flow, liquidity, investments, and long-term goals.

In This Episode, We Discuss:

• Reverse Mortgage Basics — How a reverse mortgage differs from a traditional mortgage and what homeowners should understand about ownership and ongoing responsibilities.

• Home Equity & Retirement Cash Flow — What it can mean to be "house rich but cash flow poor" and how accessing home equity may provide additional financial flexibility.

• The "No Monthly Mortgage Payment" Question — What that phrase actually means and which housing expenses homeowners remain responsible for.

• Why Financial Advisors Should Understand Home Equity — How home equity can be considered alongside investments, Social Security, pensions, annuities and other retirement resources.

• Market Downturns & Liquidity — How having additional sources of liquidity may provide homeowners with more choices when managing retirement assets.

• Heirs & Home Equity — What families should understand about a reverse mortgage loan balance, remaining equity and repayment when the loan becomes due.

• Reverse Mortgage for Purchase — How qualifying older homeowners may use a reverse mortgage as part of the financing when purchasing a new principal residence.

• Who May Consider a Reverse Mortgage for Purchase — Downsizing, moving closer to family, relocating to a retirement community, reducing maintenance, or looking for a different way to structure the purchase of a home.

• Working With Financial Advisors — Why collaboration among the homeowner, financial advisor and reverse mortgage professional can be an important part of the conversation.

The Big Takeaway

The conversation isn't simply about asking, "How much money can I get from my home?"

It's about starting with a bigger question:

"What am I trying to accomplish in retirement?"

From eliminating an existing mortgage payment to creating additional cash-flow flexibility, establishing a line of credit, downsizing, purchasing a new home, or simply understanding available options, home equity can be an important part of the retirement conversation.

A reverse mortgage isn't right for everyone. The goal is education, understanding the numbers, and determining whether it fits an individual's circumstances and retirement goals.

Connect With Cheryl

Cheryl Scheidell
Reverse Mortgage Specialist
Barrett Financial Group

📞 480-817-4324
📧 cheryls@barrettfinancial.com
🌐 ReverseMortgageAndBeyond.com
📺 YouTube: @reversemortgageandbeyond

Cheryl has been in the mortgage business since 2002 and has specialized in reverse mortgages for more than a decade.

Educational conversations. No sales pressure. Just helping you understand your options.

This program is for educational purposes only. Reverse mortgage programs have specific eligibility requirements, terms, costs and obligations. Borrowers remain responsible for property taxes, homeowners insurance, maintenance and other property-related obligations. Individual circumstances vary. This is not a commitment to lend. All loans subject to credit approval.

Barrett Financial Group, L.L.C. | NMLS #181106 | Cheryl Scheidell NMLS #886425 | Equal Housing Lender

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

On today's episode, Cheryl Scheidell is joined by Tammy Semler of Lighthouse Retirement Services and Jill Facarazzo of Futurity First Wealth Management for an important conversation about retirement planning, long-term care, and preparing for the unexpected.

Retirement planning isn't just about investments and income. It's also about understanding the potential cost of care, protecting your retirement assets, and making informed decisions about the resources available to you.

IN THIS EPISODE, WE DISCUSS:

With Tammy Semler:

• Why long-term care should be an essential part of retirement planning
• How likely someone may be to need long-term care during retirement
• How long-term care needs can last
• The potential costs of home care, assisted living, nursing facilities and memory care
• Common misconceptions about Medicare and paying for long-term care
• The role of family members in providing care
• Traditional long-term care insurance
• Hybrid life insurance policies
• Retirement-income strategies
• Self-funding long-term care expenses
• Repositioning assets
• Planning considerations involving Medicaid eligibility
• The first steps to take when you're concerned about future long-term care costs

With Jill Facarazzo:

• The biggest mistakes people make when planning for retirement
• How to determine whether you're actually ready to retire
• Questions to consider before leaving the workforce
• One thing you can do this year to potentially improve your retirement plan

MEET OUR GUESTS

Tammy Semler

Founder / Advisor
Lighthouse Retirement Services

Tammy helps clients navigate retirement planning and understand strategies designed to address income needs, retirement risks and long-term care considerations.

📞 623-244-0520
📧 tammy@lighthouseretirementservices.com

Jill Facarazzo

Futurity First Wealth Management

8501 E Princess Dr., Suite 210
Scottsdale, AZ 85255

📞 Office: 602-365-0474
📱 Text Only: 480-809-9016
📧 jill@ffigaz.com

YOUR HOST — CHERYL SCHEIDELL

Reverse Mortgage Specialist / Senior Mortgage Loan Originator
Barrett Financial Group, L.L.C.
NMLS #181106
Cheryl Scheidell — NMLS #886425

📞 480-817-4324
📧 cheryls@barrettfinancial.com
🌐 ReverseMortgageAndBeyond.com
▶️ YouTube: @ReverseMortgageAndBeyond

Have questions about reverse mortgages, reverse mortgage purchases, second-lien reverse mortgages or how home equity may fit into a retirement strategy?

Call Cheryl at 480-817-4324.

The goal is education first—understanding the facts, the options, the costs and the questions you should be asking before making a decision.

IMPORTANT DISCLAIMER

This program and the information discussed are provided for educational and informational purposes only and are not intended to provide financial, investment, tax, legal, insurance, healthcare or Medicaid-planning advice.

A reverse mortgage is a loan and is subject to eligibility requirements, borrower obligations, costs and applicable program guidelines. A reverse mortgage is not right for everyone. Borrowers are responsible for meeting the terms of the loan and for maintaining the property, paying property taxes, homeowners insurance, HOA dues and other applicable property-related expenses.

A reverse mortgage may affect eligibility for certain means-tested government benefits, including Medicaid or Supplemental Security Income (SSI). Borrowers should consult with appropriate financial, tax, legal, insurance and benefits professionals regarding their individual circumstances before making decisions.

Information regarding long-term care costs, insurance products, Medicare, Medicaid and retirement strategies can vary based on individual circumstances and may change over time. Nothing discussed on this program should be considered a guarantee of future costs, benefits, investment performance or insurance coverage.

This is not a commitment to lend. All loans subject to credit approval.

Barrett Financial Group, L.L.C. NMLS #181106 | Cheryl Scheidell NMLS #886425 | Equal Housing Lender

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Have you ever wondered whether the equity in your home could play a bigger role in your retirement?

In this episode of Is A Reverse Mortgage Right for You?, Cheryl Scheidell of Barrett Financial takes a straightforward look at three reverse mortgage strategies that today's homeowners should understand:

🏠 Reverse Mortgage Basics

What is a reverse mortgage? How does it work? Who may qualify? Cheryl breaks down the fundamentals and addresses some of the most common misconceptions surrounding reverse mortgages.

🏡 Reverse Mortgage for Purchase

Thinking about downsizing, moving closer to family, relocating, or finding a more manageable home for retirement? Learn how an eligible homeowner may be able to use a reverse mortgage to purchase a new primary residence while potentially eliminating the need for a traditional monthly mortgage payment.

💰 Second-Lien Reverse Mortgages

What if you already have a first mortgage with a favorable interest rate and don't want to refinance? Cheryl explains how a second-lien reverse mortgage may provide another potential way for qualified homeowners to access home equity while keeping an existing first mortgage in place.

Whether you're a homeowner, an adult child helping your parents, a Realtor, or a financial professional, this episode is designed to help you understand the options and ask better questions.

The goal isn't to tell you whether a reverse mortgage is right for you. It's to help you understand the options so you can make an informed decision.

📞 Have Questions?

Cheryl Scheidell
Reverse Mortgage Specialist / Senior Mortgage Loan Originator
Barrett Financial Group, L.L.C.
NMLS #181106
Cheryl NMLS #886425

📱 Call or Text: 480-817-4324
📧 Email: cheryls@barrettfinancial.com
🌐 Website: ReverseMortgageAndBeyond.com
▶️ YouTube: Reverse Mortgage and Beyond
@reversemortgageandbeyond

Education comes first. If you're curious about reverse mortgages, reverse purchases, or second-lien options, start with a conversation.

Important Disclaimer

This content is for educational and informational purposes only and is not a commitment to lend. All loans are subject to credit approval and applicable program requirements. Reverse mortgage eligibility, loan amounts, interest rates, costs, and availability vary based on individual circumstances and program guidelines. Borrowers remain responsible for property taxes, homeowners insurance, maintenance, and other applicable obligations. Consult appropriate financial, tax, legal, and other professionals regarding your individual situation.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

In Part 2 of this special conversation with Lydia Wietsma of NextHome Power Realty, Cheryl Scheidell explores how homeowners may potentially use home equity as part of their retirement strategy.

The conversation then shifts to probate and estate planning, including Beneficiary Deeds and Trusts.

🏡 Part 1 — Cheryl Scheidell & Reverse Mortgages

Lydia asks Cheryl:

• What are some ways homeowners can potentially use their home equity?
• Can a reverse mortgage be used to purchase a home?
• What happens if a homeowner already has a mortgage?
• How can a reverse mortgage potentially be part of a retirement or wealth-building strategy?
• What types of reverse mortgages are available?
• What is the best first step for someone considering a reverse mortgage?

📋 Part 2 — Lydia Wietsma & Probate Planning

Cheryl asks Lydia:

• What is probate and why do families often want to avoid it?
• What mistakes can unintentionally cause an estate to go through probate?
• What simple steps can homeowners take to help their families prepare?
• Is it ever too late to start planning?
• What is a Beneficiary Deed?
• How does a Beneficiary Deed compare with a Trust?
• Why is planning ahead so important when your home is one of your largest assets?

📞 CONNECT WITH CHERYL SCHEIDELL

Cheryl Scheidell
Reverse Mortgage Specialist
Barrett Financial Group, L.L.C.

📱 Phone: 480-817-4324
📧 Email: cheryls@barrettfinancial.com
🌐 Website: ReverseMortgageAndBeyond.com
▶️ YouTube: @reversemortgageandbeyond

NMLS #886425
Barrett Financial Group, L.L.C. — NMLS #181106

📞 CONNECT WITH LYDIA WIETSMA

Lydia Wietsma
NextHome Power Realty
125 N. 22nd Place, Unit 105
Mesa, AZ 85213

📱 Phone: 602-363-1720
📧 Email: lydia@arizonapoweragent.com
🌐 Website: ProbateRealtyHelp.com

Arizona Real Estate License #: SA542934000

🔟 HASHTAGS

#ReverseMortgage
#IsAReverseMortgageRightForYou
#HomeEquity
#RetirementPlanning
#ReverseMortgageForPurchase
#Probate
#BeneficiaryDeed
#EstatePlanning
#AgingInPlace
#FinancialWellness

⚠️ EDUCATIONAL DISCLAIMER

This program is for educational purposes only and is not a commitment to lend. Reverse mortgage programs have eligibility requirements, financial obligations, and conditions. For an FHA-insured HECM, borrowers generally must be 62 or older. Borrowers remain responsible for property taxes, homeowners insurance, maintenance, occupancy requirements, and other applicable obligations.

Information regarding probate, Beneficiary Deeds, Trusts, and estate planning is general educational information and should not be considered legal advice. Consult qualified legal, tax, financial, and real estate professionals regarding your individual circumstances.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

In this episode of Is a Reverse Mortgage Right for You?, Cheryl Scheidell turns the tables and interviews Jonathan Greene, host of Zen and the Art of Real Estate Investing.

Jonathan's career journey has taken him from real estate investing at a young age to practicing law, opening four art galleries, curating a museum, teaching graduate students, and ultimately returning to real estate.

Today, Jonathan runs Streamline, a data-driven, investor-friendly, independent real estate brokerage in Madison, New Jersey, and hosts Zen and the Art of Real Estate Investing, with more than 365 episodes.

Jonathan has more than 30 years of experience in real estate transactions across multiple states, including:

• Single-family rentals
• Short-term rentals
• Flips
• Syndications
• Commercial strip malls
• Industrial real estate

He is also a licensed Associate Broker in New York with Country House Realty, focusing on weekend homes and short-term rentals in Upstate New York.

In this conversation, Cheryl and Jonathan discuss:

• Jonathan's unconventional career journey
• Why he started investing in real estate at such a young age
• How his legal and artistic careers influenced his real estate career
• Financial mindfulness
• Wealth generation
• Lifestyle architecture
• Building wealth through real estate
• The difference between being wealthy on paper and having financial flexibility
• The concept of being "house rich and cash poor"
• How homeowners should think about their home equity
• Home equity as part of a larger retirement strategy
• Reverse mortgages
• Reverse Mortgage for Purchase
• Downsizing and lifestyle changes
• Aging in place
• Creating financial flexibility during retirement

A Special Connection

Cheryl was recently a guest on Jonathan's podcast, Zen and the Art of Real Estate Investing, and this episode brings that conversation full circle by welcoming Jonathan to Is a Reverse Mortgage Right for You?

📣 CONNECT WITH JONATHAN

Jonathan Greene
Host — Zen and the Art of Real Estate Investing
Real Estate Investor | Broker | Educator | Speaker

Streamline — Independent Real Estate Brokerage
Madison, New Jersey

Zen and the Art of Real Estate Investing
Podcast featuring conversations about financial mindfulness, wealth generation and lifestyle architecture.

📣 CONNECT WITH JONATHAN GREENE

Host — Zen and the Art of Real Estate Investing
Real Estate Investor | Broker | Educator | Speaker

Website: trustgreene.com

Podcast: Zen and the Art of Real Estate Investing

Streamline — Independent Real Estate Brokerage
Madison, New Jersey

Jonathan's podcast features conversations about financial mindfulness, wealth generation, real estate investing, and lifestyle architecture.

 📣CONNECT WITH CHERYL SCHEIDELL

Cheryl Scheidell
Reverse Mortgage Specialist
Barrett Financial Group, L.L.C.
NMLS #886425
Barrett Financial Group, L.L.C. NMLS #181106

📞 Phone: 480-817-4324
📧 Email: cheryls@barrettfinancial.com
🌐 Website: barrettfinancial.com/cscheidell
▶️ YouTube: Reverse Mortgage and Beyond — YouTube

🎙️ Listen to Cheryl's show:
Is a Reverse Mortgage Right for You?

🎥 Watch and follow:
Reverse Mortgage and Beyond

⚠️ EDUCATIONAL DISCLAIMER

This program is for educational and informational purposes only and is not a commitment to lend. Reverse mortgage borrowers must meet applicable eligibility requirements and continue to meet loan obligations, including property taxes, homeowners insurance, property maintenance, and other applicable loan terms. Reverse mortgage programs, terms, and availability vary based on borrower qualifications, property type, lender, and program guidelines. Consumers should consider their individual circumstances and consult appropriate financial, tax, legal, and housing professionals as applicable.

#ReverseMortgage
#IsAReverseMortgageRightForYou
#JonathanGreene
#ZenAndTheArtOfRealEstateInvesting
#RealEstateInvesting
#RealEstateEducation
#HomeEquity
#RetirementPlanning
#WealthBuilding
#FinancialMindfulness
#LifestyleArchitecture
#RealEstateWealth
#RetirementIncome
#AgingInPlace
#SeniorHomeowners
#Downsizing
#HomeEquityStrategy
#ReverseMortgageEducation
#ReverseMortgageAndBeyond

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Your home may be your largest financial asset — but are you doing enough to protect it?

In this episode of “Is A Reverse Mortgage Right for You?”, Cheryl Scheidell sits down with John Rowan, HFDCP™, Founder of Home Fraud Defense™ Certified Professional, for an important conversation about the evolving world of real estate fraud.

John and Cheryl discuss:

• Whether “title lock” and “title protection” services are worth paying for
• Why vacant land can be an attractive target
• How AI has changed real estate fraud
• Why fraud risk doesn't necessarily end when you close on a property
• Who is actually behind these schemes
• Whether stolen funds can be recovered — and why acting quickly matters
• The role real estate agents play in fraud prevention
• Why older homeowners and out-of-state property owners can be specifically targeted
• What John would change at the state or industry level
• How his background as an airline pilot influences his approach to fraud prevention

🛡️ CONNECT WITH JOHN ROWAN

John Rowan, HFDCP™
Certified Instructor | Founder
Home Fraud Defense™ Certified Professional

🌐 HomeFraudDefense.org
📧 John@HomeFraudDefense.org
📞 623-281-7852
ADRE School #S25-0019

🏡 ABOUT CHERYL SCHEIDELL

Cheryl Scheidell is a Reverse Mortgage Specialist with Barrett Financial Group and host of “Is A Reverse Mortgage Right for You?”

Cheryl helps homeowners understand how home equity may fit into retirement planning, aging in place, home purchases, and overall financial strategies.

📞 CONTACT CHERYL

Cheryl Scheidell
Reverse Mortgage Specialist
Mortgage Loan Originator NMLS #886425
Barrett Financial Group, L.L.C. NMLS #181106

📞 Phone: 480-817-4324
📧 Email: cheryls@barrettfinancial.com
🌐 Website: barrettfinancial.com/cscheidell
▶️ YouTube: @reversemortgageandbeyond

Show: Is A Reverse Mortgage Right for You?

Whether you're considering a reverse mortgage, looking at your home equity as part of your retirement strategy, or simply want to understand your options, Cheryl is here to help you make an informed decision.

⚠️ EDUCATIONAL DISCLAIMER

This program is for educational and informational purposes only and is not intended to provide legal, financial, tax, real estate, cybersecurity, or other professional advice. Individual circumstances vary. Consult with appropriate qualified professionals regarding your specific situation.

#HomeFraudDefense
#RealEstateFraud
#ProtectYourHome
#DeedFraud
#RealEstateScams
#FraudPrevention
#Homeowners
#RealEstateProfessionals
#SeniorHomeowners
#ReverseMortgage

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Your home may be one of the largest financial assets you'll ever own. But how well are you protecting it from fraud?

In this episode of “Is A Reverse Mortgage Right for You?”, Cheryl Scheidell sits down with John Rowan, HFDCP™, Certified Instructor and Founder of Home Fraud Defense™ Certified Professional, to discuss the growing threat of real estate fraud and the steps homeowners can take to protect themselves.

John explains why real estate fraud is about much more than a wire transfer going to the wrong account.

We discuss:

🏠 How someone can attempt to sell property they don't actually own

🔐 Who may be targeted by real estate fraud

📞 How criminals can impersonate real estate agents, title companies, lenders and other professionals

🔑 The importance of verification and the code word concept

📊 The numbers behind real estate fraud

🚨 What to do during the first hour after discovering suspected fraud

🛡️ Why homeowner education and prevention are so important

🆓 Why Home Fraud Defense provides consumer tools for free

This is an important conversation for homeowners, seniors, families, real estate professionals, lenders, title professionals, financial professionals, and anyone involved in helping people protect their largest assets.

🔐 CONNECT WITH JOHN ROWAN

John Rowan, HFDCP™
Certified Instructor | Founder
Home Fraud Defense™ Certified Professional

🌐 HomeFraudDefense.org
📧 John@HomeFraudDefense.org
📞 623-281-7852
ADRE School #S25-0019

🏡 ABOUT CHERYL SCHEIDELL

Cheryl Scheidell is a Reverse Mortgage Specialist with Barrett Financial Group and host of “Is A Reverse Mortgage Right for You?”

Cheryl has been in the mortgage business since 2002 and specializes in helping homeowners understand how home equity may fit into retirement planning, aging in place, home purchases, and overall financial strategies.

Cheryl Scheidell
Reverse Mortgage Specialist
Mortgage Loan Originator NMLS #886425
Barrett Financial Group, L.L.C. NMLS #181106

📞 Phone: 480-817-4324
📧 Email: cheryls@barrettfinancial.com
🌐 Website: barrettfinancial.com/cscheidell
▶️ YouTube: @reversemortgageandbeyond

Show: Is A Reverse Mortgage Right for You?

Whether you're considering a reverse mortgage, looking at your home equity as part of your retirement strategy, or simply want to understand your options, Cheryl is here to help you make an informed decision.

EDUCATIONAL DISCLAIMER

This program is for educational and informational purposes only and is not intended to provide legal, financial, tax, real estate, or cybersecurity advice. Listeners should consult with the appropriate qualified professional regarding their individual circumstances.

#HomeFraudDefense
#RealEstateFraud
#ProtectYourHome
#DeedFraud
#RealEstateScams
#FraudPrevention
#HomeownerProtection
#SeniorHomeowners
#ReverseMortgage
#CherylScheidell

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

In this episode of “Is a Reverse Mortgage Right for You?”, Cheryl Scheidell talks with three professionals about the importance of maintaining your home, protecting your investment, and preparing your home so you can enjoy it for years to come.

🎙️ Featured GuestsEvelyn Zeidler — First Response Roofing

Evelyn discusses:

• How often homeowners should have their roofs inspected
• How Arizona heat affects roof life
• Signs of storm damage
• What homeowners insurance may cover
• When to consider filing a claim
• Roof repairs versus full replacement
• One thing every Arizona homeowner should know about their roof

First Response Roofing

📞 Office: 480-924-4444
📱 Text: 480-434-3341

“Give your roof the life it deserves.”

Jenny Gabbel — Like New Painting AZ

Jenny Gabbel with Like New Painting AZ discusses:

• What sets Like New Painting AZ apart from other painting companies
• What homeowners should look for when choosing a painter
• Whether the quality of paint really matters
• How Arizona weather can affect paint
• The going rate per square foot for painting
• What homeowners should ask before hiring a painting company

Like New Painting AZ

📞 480-353-7356
📱 Facebook: Like New Painting AZ
📱 Instagram: Like New Painting AZ

Derek Rogers — Aqua Therapy Tubs & Bathrooms

Derek discusses:

• Why seniors are choosing to age in place
• Common bathroom safety hazards
• Walk-in showers
• Zero-threshold entries
• Grab bars
• Comfort-height toilets
• Handheld showerheads
• Built-in seating
• Better lighting
• Non-slip flooring
• Wider doorways
• Bathroom remodeling and independence
• Financing options
• Resources available for disabled veterans

📞 602-607-0404
📧 Derek@aquatherapytubs.com
🌐 www.aquatherapytubs.com

Aqua Therapy Tubs & Bathrooms
310 W. Hatcher Rd.
Phoenix, AZ 85021

Veteran Resource: Showers4Heroes.org

Aqua Therapy Tubs & Bathrooms helps disabled veterans receive the $6,800 HISA grant for an accessible shower remodel.

 About Cheryl Scheidell

Cheryl Scheidell is a Reverse Mortgage Specialist with Barrett Financial Group and has specialized in helping homeowners understand reverse mortgage options and how home equity may fit into a larger retirement strategy.

📞 480-817-4324
📧 cheryls@barrettfinancial.com
🌐 barrettfinancial.com/cscheidell
▶️ YouTube: @reversemortgageandbeyond

NMLS #886425
Barrett Financial Group, L.L.C. — NMLS #181106

A reverse mortgage is not right for everyone. Homeowners should understand program requirements, costs, taxes, insurance, maintenance obligations, and other terms before making a decision. This information is for educational purposes only and is not a commitment to lend.

IsAReverseMortgageRightForYou
#ReverseMortgage
#HomeEquity
#RetirementPlanning
#AgingInPlace
#ArizonaHomeowners
#HomeMaintenance
#HomeImprovement
#SeniorSafety
#FinancialWellness

⚠️ EDUCATIONAL DISCLAIMER

This program is for educational and informational purposes only and is not intended to provide legal, financial, tax, real estate, cybersecurity, or other professional advice. Individual circumstances vary. Consult with appropriate qualified professionals regarding your specific situation.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Vance shares the story behind Father Matters, the organization's mission to support fathers through education, mentorship, and community connections, and why engaged fathers make a lasting difference in children's emotional, educational, and social development.

The conversation also explores Vance's decision to become licensed in insurance and how Final Expense coverage complements his mission of strengthening families by helping protect loved ones from unexpected financial burdens.

In This Episode You'll Learn:

• The mission and impact of Father Matters
• Why father involvement changes children's lives
• Resources available for fathers and families
• The importance of Final Expense planning
• How financial preparation creates peace of mind for loved ones
• Practical ways to build stronger, healthier families

Guest

Vance Simms
Founder & Executive Director, Father Matters, Inc.
Office: 602-774-3298
Email: Vance@FatherMatters.org
Website: www.FatherMatters.org

Host

Cheryl Scheidell
Reverse Mortgage Specialist
Barrett Financial Group
NMLS #886425

• Phone: 480-817-4324
• Email: Cheryls@BarrettFinancial.com
• Website: ReverseMortgageAndBeyond.com
• YouTube: @ReverseMortgageAndBeyond

🎥 Subscribe to Cheryl's YouTube channel, @ReverseMortgageAndBeyond, for educational videos on reverse mortgages, retirement planning, Final Expense planning, interviews with trusted professionals, and practical resources to help you make informed financial decisions.

This episode is a reminder that financial wellness and family wellness go hand in hand. Whether through stronger parenting, thoughtful financial planning, or meaningful community support, investing in families today creates a better future for generations to come.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Your home is likely one of your biggest investments—but are you truly protected?

This week, Cheryl Scheidell welcomes identical twin sisters Stephanie Schaffroth and April Schaffroth, local Farmers Insurance Agency Owners and trusted insurance advisors.

Stephanie has been serving families and business owners since 2004, while April has been helping clients protect what matters most since 2008. Together, they believe in educating—not selling—and helping people understand the difference between simply having insurance and being properly insured.

In this episode you'll learn:

• When a vacant home needs a different insurance policy
• Why simply filing a claim—even with no payout—can affect your insurance history
• The one insurance policy many people wait too long to purchase
• The one question every homeowner should ask their insurance agent this week
• Why "full coverage" doesn't always mean you're fully protected
• Why flood insurance is not automatically included in most homeowners policies
• Why your insurance agent should know about newly purchased jewelry and valuables
• Why renters insurance is important—even if you're renting temporarily

About Today's Guests

Stephanie and April Schaffroth are local Farmers Insurance Agency Owners dedicated to helping individuals, families, and business owners identify coverage gaps, eliminate unnecessary overlaps, and make informed decisions about protecting their homes, vehicles, businesses, and loved ones.

Their mission is simple: Educate first. Protect always.

Contact Today's Guests

Stephanie Schaffroth
Agency Owner – Farmers Insurance

34225 N. 27th Drive, Suite 112
Phoenix, AZ 85085

Office: (480) 483-6221
Fax: (480) 922-7280
Email: sschaffroth@farmersagent.com

Website: www.bestazinsurance.com

April Schaffroth
Agency Owner – Farmers Insurance

34225 N. 27th Drive, Suite 112
Phoenix, AZ 85085

Office: (602) 297-5155
Fax: (480) 922-7280
Email: april@schaffrothagency.com

Website: www.insuranceinaz.com

About Your Host

Cheryl Scheidell   NMLS#886425
Reverse Mortgage Specialist
Barrett Financial Group

Helping homeowners 55+ understand how home equity can become a powerful retirement resource.

Contact Cheryl:

Phone: 480-817-4324

Website: ReverseMortgageAndBeyond.com

Email:  cheryls@barrettfinancial.com

youtube:  @reversemortgageandbeyond

🎥 Subscribe to Cheryl's YouTube channel, https://www.youtube.com/@ReverseMortgageandBeyond for educational videos on reverse mortgages, retirement planning, Final Expense planning, interviews with trusted professionals, and practical resources to help you make informed financial decisions.

Whether you're exploring retirement options, looking to improve monthly cash flow, purchase your next home with a reverse mortgage, or simply want to learn more, Cheryl is committed to providing education first—so you can make informed decisions with confidence.

Remember: The right insurance and the right financial strategy work together to protect your home, your family, and your future.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

When a loved one passes away, the family home often becomes one of the biggest decisions adult children and heirs will face. Emotions are high, important deadlines begin, and questions about probate, reverse mortgages, insurance, and selling the home can quickly become overwhelming.

In this episode of Is a Reverse Mortgage Right for You?, host Cheryl Scheidell, Reverse Mortgage Specialist with Barrett Financial Group, welcomes Lydia Wietsma, Probate Realtor with NextHome Power Realty, for an informative conversation about navigating inherited homes with confidence.

Together, Cheryl and Lydia discuss the first steps families should take after the loss of a loved one, common mistakes to avoid, and how probate and reverse mortgages work together. They also explain the options available to heirs, how to protect the home's value, and why seeking professional guidance early can save families time, money, and unnecessary stress.

In This Episode

• The first things families should do after a loved one passes away.
• How to protect and secure an inherited home.
• Why legal and financial steps should come before cleaning out or repairing the property.
• Common mistakes families make during the probate process.
• How reverse mortgages are handled after the homeowner passes away.
• The importance of notifying the reverse mortgage servicer.
• Options heirs have when inheriting a home with a reverse mortgage.
• Understanding the FHA-insured reverse mortgage 95% appraised value option.
• Why reverse mortgages are non-recourse loans and what that means for families.
• How selling a home with a reverse mortgage differs from a traditional home sale.
• What buyers should know about financing, appraisals, timelines, and the closing process.
• How Cheryl and Lydia work together to help families make informed decisions during one of life's most challenging transitions.

Join Us for a Complimentary Lunch & Learn

If you're planning ahead, caring for aging parents, or simply want to understand how reverse mortgages and probate can impact your family, we'd love to have you join us for one of our educational Lunch & Learn events.

Upcoming Events

Tuesday, July 21
Total Wine – Tempe Marketplace (Rio Salado)

Tuesday, July 28
Total Wine – SanTan Village (Williams Field Road)

Complimentary lunch is provided.

Please RSVP with Cheryl to reserve your seat.

Contact Cheryl Scheidell

Cheryl Scheidell
Senior Mortgage Loan Originator | NMLS #886425
Reverse Mortgage Specialist
Barrett Financial Group, L.L.C. | NMLS #181106

Phone: 480-817-4324

Email: cheryls@barrettfinancial.com

Website: ReverseMortgageAndBeyond.com

Radio Show & Podcast: Is a Reverse Mortgage Right for You?

YouTube: Reverse Mortgage and Beyond

Contact Lydia Wietsma

Lydia Wietsma
Certified Probate Realtor
NextHome Power Realty

Phone: 602-363-1720

Email: lydia@arizonapoweragent.com

Website: probaterealtyhelp.com

Need Answers About an Inherited Home?

Whether you're settling a loved one's estate, facing probate, inheriting a home with a reverse mortgage, or simply planning ahead for your own family, Cheryl and Lydia are here to help.

Their combined expertise in reverse mortgages and probate real estate provides families with trusted guidance, helping them avoid costly mistakes and make informed decisions every step of the way.

Thank you for listening to Is a Reverse Mortgage Right for You? Be sure to subscribe, share this episode with family and friends, and join us again for more conversations that help you make the most of your home, your equity, and your future.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

In this episode, host Cheryl Scheidell, Reverse Mortgage Specialist with Barrett Financial Group, welcomes Lydia Wietsma, Probate Realtor with NextHome Power Realty, for an informative conversation about probate, inherited homes, and reverse mortgages.

Together, Cheryl and Lydia discuss the first steps families should take after the loss of a loved one, who has the legal authority to make decisions about the property, how probate and reverse mortgages work together, and practical tips to help families protect one of their largest assets.

In This Episode

• The first steps families should take after a loved one passes away.
• Who has legal authority to make decisions about an inherited home.
• Whether mortgage payments, HOA dues, property taxes, utilities, and homeowners insurance should continue during probate.
• How probate and reverse mortgages work together.
• Why it's critical to notify the homeowners insurance company if a property becomes vacant.
• Whether a probate home can be listed for sale before probate is complete.
• What to do when mortgage balances, reverse mortgage balances, HOA fees, or property taxes continue to increase.
• Should you repair or remodel an inherited home before selling?
• Options for families who don't have the funds to clean out or repair a property.
• Why exposing a probate property to multiple buyers may produce a better outcome than accepting the first investor offer.
• Selling an inherited property "as-is."
• What families should know before accepting a cash offer.
• The top mistakes adult children should avoid immediately after losing a parent.
• Important documents families should begin gathering.
• Practical advice to help protect the estate and avoid unnecessary delays.

Upcoming Complimentary Lunch & Learns

Planning ahead can make all the difference.

Join Cheryl for one of her complimentary Lunch & Learn educational events to learn more about reverse mortgages, probate, home equity, and retirement planning.

Upcoming Dates:

Tuesday, July 21
Total Wine – Tempe Marketplace (Rio Salado)

Tuesday, July 28
Total Wine – SanTan Village (Williams Field Road)

Complimentary lunch is provided.

Please RSVP to Cheryl to reserve your seat.

Contact Cheryl Scheidell

Cheryl Scheidell
Senior Mortgage Loan Originator | NMLS #886425
Barrett Financial Group, L.L.C. | NMLS #181106

Phone: 480-817-4324

Email: cheryls@barrettfinancial.com

Website: ReverseMortgageAndBeyond.com

Radio Show: "Is a Reverse Mortgage Right for You?"

YouTube: Reverse Mortgage and Beyond

Contact Lydia Wietsma

Lydia Wietsma
Probate Realtor
NextHome Power Realty

Phone: 602-363-1720

Email: lydia@arizonapoweragent.com

Website: probaterealtyhelp.com

Whether you're planning ahead, helping aging parents, settling an estate, or navigating an inherited property, Cheryl and Lydia are here to help guide you through the process with education, experience, and compassionate advice.

Thank you for listening to Is a Reverse Mortgage Right for You! Be sure to subscribe so you never miss an episode.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Cheryl opens with a refresher on probate and why it can be stressful, expensive, and public. From there, Jayson walks listeners through trust planning, legal tools for living protection, and how proactive planning keeps families out of court and out of crisis.

🧠 Topics Covered in Part 2

• A brief refresher on what probate is and why many families want to avoid it
• How a trust helps protect privacy and avoid costly probate proceedings
• Whether you can avoid probate without a trust
• What happens when someone becomes incapacitated without the right documents
• The key legal documents that help prevent guardianship or conservatorship
• How planning reduces stress and confusion for adult children
• How to prevent family conflict when it comes to inheritance or legacy
• Practical first steps listeners can take to begin or update their own estate plan

🎧 Why This Episode Matters

Too many families are forced into stressful decisions under pressure and with uncertainty. This episode empowers you to think ahead, prepare wisely, and protect what matters most — your relationships, your legacy, and your peace of mind.

📞 Questions About Your Own Plan?

If you’d like help understanding how estate planning, retirement strategies, and housing decisions — including reverse mortgages — fit together, reach out:

Cheryl Scheidell
📱 480-817-4324
🌐 reversemortgageandbeyond.com
📧 cheryls@barrettfinancial.com

Jayson Walker, Netvest Financial
📱 602-230-8222
🏢 9059 E. Bahia Drive, Suite 100
  Scottsdale, AZ 85260

🍷 UPCOMING EDUCATIONAL LUNCH & LEARN

📍 Total Wine - July 21, 2026
🕦 11:30 AM – 1:30 PM
🍽️ Complimentary Lunch
🎟️ Limited seating — RSVP required

Join Cheryl Scheidell, Jayson Walker, and Lydia Wietsma, Probate Realtor with Next Home Power Realty, for an educational session focusing on estate planning, probate, real estate insights, and retirement strategy.

📞 RSVP: 480-817-4324
📧 cheryls@barrettfinancial.com

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Guest: Seth Leibsohn
Host: Cheryl Scheidell, Reverse Mortgage Specialist, Barrett Financial Group

Reverse mortgages are one of the most misunderstood financial tools available to seniors today. In this episode, Cheryl Scheidell is joined by Seth Leibsohn for a candid, thoughtful discussion that cuts through fear, myths, and outdated information.

This episode focuses on education, consumer protection, and personal responsibility.

In this episode, we discuss:

• Why reverse mortgages developed a negative reputation

• How today’s FHA-insured reverse mortgages have changed

• The real obligations homeowners must meet

• Common myths vs. real risks

• Who should consider a reverse mortgage—and who shouldn’t

• Why informed decision-making matters more than ever

Important Disclosure:

Reverse mortgages are federally insured loans subject to eligibility requirements, financial assessment, and mandatory HUD-approved counseling. Borrowers must continue to pay property taxes, homeowners insurance, and maintain the home. This program is not suitable for everyone.

Have questions or want personalized information?

📞 Phone: 480-817-4324
🌐 Website: ReverseMortgageAndBeyond.com
📧 Email: cheryls@barrettfinancial.com

Education first. Pressure never.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Estate planning doesn’t have to be intimidating—and it’s not just for the wealthy. In Part 1 of this two-part series, host Cheryl Scheidell sits down with her longtime friend of over 30 years, financial advisor and estate planning specialist Jayson Walker of Netvest Financial, to break estate planning down in simple, real-world terms.

This episode focuses on the foundational pieces of estate planning, common misconceptions, and the costly mistakes families often make when planning is delayed or incomplete. Cheryl and Jayson explain why estate planning is about protecting your family and your home while you’re living, not just what happens after you pass away.

🧠 Topics Covered in Part 1

• What estate planning really is (and what it is not)
• Who needs an estate plan (hint: more people than you think)
• Why estate planning often feels overwhelming
• The biggest and most common estate planning mistakes
• Additional mistakes families make that create confusion later
• The difference between Wills and Trusts
• What probate is and why families try to avoid it
• How poor planning can lead to stress, delays, and unnecessary costs

🎧 Why This Episode Matters

Many families don’t realize the problems they’ve created until it’s too late—often during a health crisis or after the loss of a loved one. This episode helps listeners understand why proactive planning matters and sets the stage for Part 2, where solutions and strategies are discussed in greater detail.

📞 Have Questions About Your Own Situation?

If you’re wondering how estate planning, housing decisions, and retirement strategies work together—or if a reverse mortgage might fit into your plan—help is just a phone call away.

📱 Call Cheryl Scheidell: 480-817-4324
🌐 Website: reversemortgageandbeyond.com
📧 Email: cheryls@barrettfinancial.com

Jayson Walker, Netvest Financial
📱 602-230-8222
🏢 9059 E. Bahia Drive, Suite 100
  Scottsdale, AZ 85260

🍷 UPCOMING EDUCATIONAL EVENT – LUNCH & LEARN

📍 Total Wine
🕦 11:30 AM – 1:30 PM
🍽️ Complimentary Lunch
🎟️ Limited Seating – RSVP Required

Join Cheryl Scheidell, Jayson Walker, and Lydia Wietsma, Probate Realtor with Next Home Power Realty, for an educational Lunch & Learn focused on estate planning, probate, real estate, and retirement strategies.

📞 RSVP to 480-817-4324
📧 cheryls@barrettfinancial.com

▶️ Coming Up Next

📻 Part 2 of this conversation dives deeper into:

• How trusts help avoid probate
• Planning for incapacity
• Preventing family conflict and sibling disputes
• First steps to creating or updating your estate plan

Be sure to tune in in two weeks for Part 2 with Jayson Walker.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Host: Cheryl Scheidell
Guest: Greg Sarlo, Founder & CEO of EverCare

Many families don’t realize they’re in a crisis until a parent is suddenly hospitalized—and they’re told decisions must be made immediately.

In this powerful episode of Is a Reverse Mortgage Right for You?, Cheryl is joined by senior care expert Greg Sarlo, who pulls back the curtain on what really happens during hospital discharges, why families feel blindsided, and how better planning can protect both loved ones and finances.

🧠 In This Episode, You’ll Learn:

• Why hospital and rehab discharges often happen faster than families expect
• What families can say if they feel a discharge isn’t safe
• The biggest mistakes made during senior care emergencies
• How to recognize when it’s time for assisted living, memory care, or added support
• Why pre-planning before a crisis is critical
• What a senior placement advisor actually does—and how they help at no cost
• How EverCare is raising the standard for senior care navigation in Arizona
• How housing wealth and reverse mortgages can be part of a care strategy

This conversation is essential listening for seniors, adult children, caregivers, real estate professionals, and anyone who wants to avoid rushed decisions during emotional moments.

👤 About the Guest

Greg Sarlo is the Founder and CEO of EverCare, a statewide concierge senior placement and resource organization serving families throughout Arizona at no cost.

EverCare was recognized as Best of East Valley and is known for its hands-on, high-touch approach to senior care navigation. Their team includes a Registered Nurse, Master Social Worker, and ALM-licensed professional—bringing clinical insight and advocacy to complex care transitions.

🌐 Learn more:
goevercare.com

🎧 About the Host

Cheryl Scheidell educates seniors and families on housing, aging-in-place, and reverse mortgage strategies—before decisions become urgent.

📞 Phone: 480-817-4324
📧 Email: cheryls@barrettfinancial.com
🌐 Website:
ReverseMortgageAndBeyond.com

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

What if your home could provide more than just a place to live? What if it could give you greater financial flexibility, more peace of mind, and more choices throughout retirement?

In this episode of Is a Reverse Mortgage Right for You?, host Cheryl Scheidell, Reverse Mortgage Specialist with Barrett Financial Group, welcomes special guest and Probate Real Estate Specialist Lydia Wietsma. Rather than Cheryl leading the discussion, Lydia interviews Cheryl with many of the same questions homeowners and families ask every day.

Together, they explore how today's reverse mortgage has evolved into a valuable retirement planning strategy and why it should be considered before a financial emergency—not after.

In This Episode, You'll Learn:

• Why a reverse mortgage is no longer a "loan of last resort."
• How home equity can provide financial flexibility during retirement.
• What "liquidity without liquidation" means and why it matters.
• How a reverse mortgage can help protect retirement investments during market downturns.
• Why planning ahead provides more choices and greater peace of mind.
• How a reverse mortgage line of credit can be used as a financial safety net.
• The truth about what happens to the home when borrowers pass away.
• How heirs are protected and what options they have.
• Why education is the most important first step before making any financial decision.

Join Cheryl & Lydia at an Upcoming Complimentary Lunch & Learn!

Come enjoy a complimentary lunch while learning how reverse mortgages and probate planning can help seniors, retirees, and their families make informed financial decisions.

Upcoming Events:

📅 Monday, July 21
🕦 11:30 AM – 1:30 PM
📍 Total Wine – Rio Salado, Tempe

📅 Tuesday, July 28
🕦 11:30 AM – 1:30 PM
📍 Total Wine – SanTan Village, Gilbert

📅 Tuesday, August 11
🕦 11:30 AM – 1:00 PM
📍 Total Wine – Rio Salado, Tempe

Complimentary Lunch • Educational • No Sales Pressure

RSVP Required

Contact Cheryl Scheidell

📞 480-817-4324

📧 cheryls@barrettfinancial.com

🌐 ReverseMortgageAndBeyond.com

Don't Miss Lydia Wietsma's Radio Show!

Be sure to tune in to "Solving Life's Next Chapter" with Lydia Wietsma every Sunday at 3:00 PM, where she helps families navigate probate, estate transitions, downsizing, and real estate decisions with practical advice and compassionate guidance.

About Cheryl Scheidell

Cheryl Scheidell is a Reverse Mortgage Specialist with Barrett Financial Group who has helped hundreds of homeowners understand how to use their housing wealth as part of a comprehensive retirement strategy. Her mission is simple: educate first, empower second, and help clients make informed decisions that fit their individual goals.

Connect With Cheryl

📞 Phone: 480-817-4324

📧 Email: cheryls@barrettfinancial.com

🌐 Website: ReverseMortgageAndBeyond.com

▶️ YouTube: Reverse Mortgage and Beyond

If you enjoyed this episode, please subscribe, leave a review, and share it with someone who could benefit from learning how today's reverse mortgage can provide greater financial flexibility, security, and peace of mind in retirement.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Host: Cheryl Scheidell
Guests:

• Lydia Wiestma
• Sheryl Keeme

Aging, housing, and financial planning are colliding faster than most families realize. In this powerful episode, host Cheryl Scheidell is joined by probate real estate expert Lydia Wiestma and housing data specialist Sheryl Keeme for a timely conversation about planning before crisis hits.

Together, they explore how legal preparation, housing decisions, and reverse mortgages can work together to support seniors, adult children, and families navigating longevity.

🏡 Reverse Mortgages as a Planning Tool

Cheryl opens the show by breaking down reverse mortgages in plain language, including:

• Reverse Mortgage Basics — how they work and who they’re designed for
• Reverse for Purchase — buying a home without a monthly mortgage payment
• 2nd Lien Reverse Mortgages — accessing equity while keeping a first mortgage

She explains why reverse mortgages are not a last resort, but rather a strategic planning option when used correctly and early.

⚖️ Legal Planning, Probate & Real Estate

Lydia Wiestma shares what she sees daily when families come to her office:

• Missing or outdated powers of attorney
• No trust or estate plan in place
• Real estate tied up in probate delays
• Heirs forced into rushed housing decisions

Lydia explains how proactive legal planning protects families, preserves assets, and prevents unnecessary court involvement.

📊 The Silver Tsunami: Aging by the Numbers

Sheryl Keeme brings perspective to the conversation with statistics that stop people in their tracks:

• Today, there are roughly 930,000 to 950,000 Americans age 86
• By 2031, that number jumps to nearly 9 million
• By 2035—just four years later—it could reach 23 million

Sheryl explains what this means for housing availability, caregiving, social services, and why families must plan earlier than previous generations.

🎯 Key Takeaways for Listeners

• Aging is predictable — crises are not
• Legal, housing, and financial planning must work together
• The family home can be part of the solution, not the problem
• Education creates options; options create peace of mind

📞 Contact Information Cheryl Scheidell — Host

Reverse Mortgage Specialist
Phone: 480-817-4324
Email: cheryls@barrettfinancial.com
Website: ReverseMortgageAndBeyond.com

Lydia Wiestma — Guest

Probate & Trust Real Estate Specialist
Phone: (602) 363-1720
Email: Lydia@ArizonaPowerAgent.com
Website: ProbateRealtyHelp.com

Sheryl Keeme — Guest

Housing & Demographic Data Expert
📘 You can find Sheryl Keeme on Facebook by searching her name.

🎙️ Final Thought

This episode is a reminder that the Silver Tsunami isn’t coming someday — it’s already here. Families who plan early retain control, dignity, and choice.

If today’s conversation raised questions about housing, legal planning, or reverse mortgages, the best next step is to start the conversation — before a crisis forces one.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Host: Cheryl Scheidell
Guest: Sheryl Keeme

Many homeowners approaching—or already in—retirement find themselves house-rich but cash-poor. In this episode, host Cheryl Scheidell sits down with housing and demographic expert Sheryl Keeme to discuss reverse mortgages, the realities of aging in America, and why planning conversations can no longer be postponed.

What You’ll Learn:

• The basics of reverse mortgages—and the most common myths
• How reverse mortgages can be used for income, flexibility, and long-term planning
• Why demographic shifts are reshaping housing and retirement decisions
• How education leads to better choices for seniors and families

Aging America: The Numbers Everyone Should Know

Here’s a statistic that stops people in their tracks:

• Today, there are roughly 930,000 to 950,000 Americans age 86
• By 2031, that number jumps to nearly 9 million
• By 2035—just four years later—it could reach 23 million

These numbers make one thing clear: housing, income, and planning conversations must start earlier—before families are forced into crisis decisions.

Real Estate Meets Retirement

Sheryl Keeme shares insight into how these demographic shifts affect housing inventory, senior living choices, and the growing importance of aging safely at home. Together, Cheryl and Sheryl explain how home equity—when used responsibly—can be part of a thoughtful retirement strategy.

About the Guest

Sheryl Keeme is known for translating housing and population data into real-world insight families can understand.
👉 You can find Sheryl Keeme on Facebook by searching her name.

Final Thought

A reverse mortgage isn’t for everyone—but for the right homeowner, at the right time, it can offer flexibility, stability, and peace of mind. The key is education, not pressure.

📞 Contact the Host

Cheryl Scheidell
Phone: 480-817-4324
Email: cheryls@barrettfinancial.com
Website: ReverseMortgageAndBeyond.com

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

This episode is not about selling. It’s about education, clarity, and confidence.

In This Episode, You’ll Learn:

• What a reverse mortgage is — and what it is not
• Who a reverse mortgage may be right for (and who it isn’t)
• How home equity can be used to improve cash flow and peace of mind
• Why fear and misinformation stop many homeowners from exploring real options
• The most important questions to ask before making a decision

Cheryl shares real-world insights from years of experience working with homeowners who want to age in place, reduce financial stress, and make informed retirement choices.

🎙️ UPCOMING EVENT: Lunch & Learn Invitation

Cheryl also invites listeners to attend an upcoming Lunch & Learn she is co-hosting with Lydia Wietsma, Probate Realtor.

🗓 Wednesday, May 20th
⏰ 11:00 AM – 1:00 PM
📍 Total Wine & More at Scottsdale & Shea
🍽 Complimentary lunch included
👥 Limited seating – RSVP required

This is a relaxed, pressure-free educational event where you can ask questions and learn more about reverse mortgages and probate real estate.

📞 Call or text Cheryl: 480-817-4324
📧 RSVP by email: Cheryls@BarrettFinancial.com

About Your Host

Cheryl Scheidell specializes in reverse mortgages and retirement-focused lending strategies. Her mission is to help homeowners make informed decisions using education — not pressure.

📞 480-817-4324
📧 cheryls@barrettfinancial.com
🌐 reversemortgageandbeyond.com

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Together, they break down the basics of reverse mortgages in plain English, explain how today's FHA-insured reverse mortgages work, and dispel many of the myths that have caused confusion for years. Whether you're planning for retirement, looking to age in place, or simply exploring your options, this episode provides valuable education to help you make informed decisions.

In This Episode You'll Learn:

• What a reverse mortgage is and how it works
• Who qualifies for a reverse mortgage
• Why homeowners continue to own their home
• How long you can remain in your home
• Why reverse mortgages aren't just for people in financial hardship
• How financially savvy retirees are using home equity as part of their retirement strategy
• Understanding the "Three Buckets" approach to retirement income planning
• The truth behind common reverse mortgage myths
• How heirs are protected through FHA's non-recourse loan feature
• The different ways borrowers can access their home equity, including:
  • Lump sum
  • Monthly income
  • Growing line of credit
  • A customized combination of options
• A real-life client success story demonstrating the value of a reverse mortgage line of credit
• How you can purchase a new home using a Reverse Mortgage for Purchase
• Proprietary reverse mortgage options available for higher-value homes
• Why education—not sales—is Cheryl's top priority when helping clients determine whether a reverse mortgage is the right fit

Featured Discussion

One of the highlights of the episode is Cheryl's explanation that a reverse mortgage is not a one-size-fits-all solution. Instead, it's a financial planning tool that can provide greater flexibility for the right homeowner at the right stage of retirement.

The conversation also explores how reverse mortgages can help homeowners:

• Eliminate required monthly mortgage payments
• Increase monthly cash flow
• Preserve retirement assets
• Stay in the home they love
• Create greater financial confidence throughout retirement

Join Cheryl at an Upcoming Lunch & Learn!

If you'd like to learn more in a relaxed, educational setting, you're invited to Cheryl's upcoming Reverse Mortgage Lunch & Learn.

Wednesday, May 20
11:00 AM – 1:00 PM

Location:
Total Wine & More
Scottsdale Road & Shea Boulevard

Enjoy a complimentary lunch while learning how today's reverse mortgages work, who may benefit, and how they can fit into a retirement income strategy.

Special guest Lydia Wietsma, Probate Realtor, will also share valuable information on probate real estate and planning.

Seating is limited, and RSVP is required.

Contact Cheryl Scheidell

Cheryl Scheidell
Reverse Mortgage Specialist
Barrett Financial Group

📞 480-817-4324

📧 cheryls@barrettfinancial.com

🌐 ReverseMortgageAndBeyond.com

Listen Every Week

Tune in each week for Is a Reverse Mortgage Right for You?, where Cheryl Scheidell helps homeowners, families, and retirees understand today's reverse mortgage solutions through education, real-life stories, and conversations with trusted industry professionals.

Remember: The more you know, the better decisions you can make for your retirement.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Host: Cheryl Scheidell, Reverse Mortgage Specialist – Barrett Financial Group
Special Guest: Leia Ryan, President of Safe Air Today

🏡 Episode Overview

Your home is more than where you live — it’s where you age, heal, and build peace of mind.

In this episode of Is a Reverse Mortgage Right for You?, host Cheryl Scheidell sits down with wellness expert Leia Ryan of Safe Air Today to explore how financial wellness and physical wellness work together to support aging in place.

With over 36 years in the health and wellness industry, Leia shares powerful insight into how the air we breathe, the water we drink, and the chemicals in our homes directly impact our immune systems and overall quality of life — especially as we age.

Cheryl also explains how a reverse mortgage can help homeowners 62 and older:

• Eliminate monthly mortgage payments
• Free up cash flow in retirement
• Pay for home and health improvements
• Stay in the home they love longer

🎧 What You’ll Learn in This Episode:

• Why indoor air quality matters more than most people realize
• Hidden dangers in everyday home environments
• What makes ActivePure air purification technology different
• Why water quality and hydration are critical to overall health
• What “chemical-free living” really means
• How LaundryPure 2.0 helps eliminate harsh detergents
• The first step to improving your home environment
• How reverse mortgages support aging in place

🌿 About Today’s Guest

Leia Ryan is President of Safe Air Today, one of the largest independent sales forces in the U.S., offering cutting-edge wellness technology developed alongside Certified Space Technologies. Leia is an international speaker, entrepreneur, and passionate advocate for healthier homes and stronger immune systems.

Contact Leia Ryan:
📞 651-380-1761
📧 safeairtoday@gmail.com
🌐 www.safeairtoday.com

📅 Upcoming Event – Lunch & Learn

Join Cheryl in person for an educational, pressure-free conversation about reverse mortgages.

🗓 Wednesday, May 20th
⏰ 11:00 AM – 1:00 PM
📍 Total Wine & More (Scottsdale & Shea)
🍽 Lunch included
👥 Limited seating – RSVP required

📞 Call 480-817-4324
📧 RSVP: Cheryls@BarrettFinancial.com

📞 Contact the Host

Cheryl Scheidell
Reverse Mortgage Specialist | Barrett Financial Group
📞 480-817-4324
🌐 ReverseMortgageAndBeyond.com

Education is always complimentary.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Estate planning is about far more than just a will. It’s about protecting your wishes, your assets, and your loved ones—especially if you’re unable to make decisions for yourself.

In this episode of Is a Reverse Mortgage Right for You?, host Cheryl Scheidell, Reverse Mortgage Specialist with Barrett Financial Group, is joined by Stephanie A. Bivens, a Certified Elder Law Attorney through the National Elder Law Foundation.

Together, they discuss what a complete estate plan truly includes, why Powers of Attorney are essential, and how elder law planning helps families avoid stress, delays, and court involvement during difficult times.

This episode is especially valuable for seniors, caregivers, adult children, and anyone planning to age in place.

Topics Covered in This Episode

• What a solid estate plan includes beyond just a will
• Trusts, beneficiary designations, and incapacity planning
• When to create—or update—an estate plan
• Life events that should trigger a review (retirement, health changes, remarriage, grandchildren)
• Common estate planning mistakes families make
• Risks of DIY or outdated legal documents
• Why financial Powers of Attorney are critical
• The importance of healthcare Powers of Attorney
• What happens when Powers of Attorney are missing
• The difference between an Estate Planning Attorney and an Elder Law Attorney
• Long-term care planning, asset protection, guardianship, and conservatorship
• How housing decisions and reverse mortgages should align with estate planning

Why This Episode Matters

Without proper estate planning and Powers of Attorney:

• Families may be unable to manage finances or make medical decisions
• Court involvement may be required
• Housing and financial plans can be delayed or disrupted
• Stress and conflict can arise during already emotional situations

With the right planning in place, families gain clarity, control, and peace of mind.

About the Guest

Stephanie A. Bivens, Esq.
Certified Elder Law Attorney
National Elder Law Foundation

📍 8283 N. Hayden Rd., Suite 195
Scottsdale, AZ 85258

📞 480-922-1010
📠 480-498-7455
📧 stephanie@bivenslaw.com
🌐 bivenslaw.com

Stephanie focuses on elder law, long-term care planning, asset protection, and helping families navigate aging-related legal decisions with clarity and compassion.

About the Host

Cheryl Scheidell
Reverse Mortgage Specialist
Barrett Financial Group

📞 480-817-4324
📧 cheryls@barrettfinancial.com
🌐 ReverseMortgageAndBeyond.com

Cheryl helps homeowners understand how to strategically use home equity as part of a coordinated retirement and estate plan.

Call to Action

If you’re unsure whether your estate plan, Powers of Attorney, and housing strategy all work together, now is the time to ask questions.

📞 Call or text 480-817-4324
📧 Email cheryls@barrettfinancial.com
🌐 Visit ReverseMortgageAndBeyond.com

Education is always the first step—no pressure, just clarity.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

For many retirees and pre-retirees, the home is their largest asset, yet accessing that equity can feel complicated or intimidating.

In this episode of Is a Reverse Mortgage Right for You?, Cheryl Scheidell cuts through the confusion and explores how a reverse mortgage may fit into a broader retirement strategy.

This is not about telling you that a reverse mortgage is right for everyone. It’s about sorting facts from fear, understanding the options, and giving you the information you need to make your own decision.

In This Episode, Cheryl Discusses:

• What a reverse mortgage is — and what it is not
• Common misconceptions and myths about reverse mortgages
• How homeowners can retain title to their home
• What happens to the home and loan when the homeowner passes away or moves
• Why taxes, insurance, HOA obligations, and home maintenance still matter
• How home equity can potentially become another resource in retirement
• Situations where a reverse mortgage may be worth considering
• Situations where a reverse mortgage may not be appropriate
• Using home equity to help manage cash-flow needs
• Reverse mortgage proceeds as a potential source of flexibility for unexpected expenses
• The importance of having a retirement strategy rather than simply avoiding financial decisions
• Why the better question isn't “Are reverse mortgages good or bad?” — but “Is a reverse mortgage right for me?”

The Bottom Line

Your home has sheltered your life for decades. The question is whether the equity you've built in that home could play a role in your financial plan today.

A reverse mortgage isn't a rescue plan — it's a financial resource that should be understood carefully and considered as part of your overall situation.

Education comes first. There is no one-size-fits-all answer.

Have Questions?

If you'd like to have a complimentary, pressure-free conversation about reverse mortgages, Cheryl is available to help you understand your options.

Cheryl Scheidell
Reverse Mortgage Specialist / Senior Mortgage Loan Originator
Barrett Financial Group, L.L.C.
📞 480-817-4324
📧 cheryls@barrettfinancial.com
🌐 ReverseMortgageAndBeyond.com
▶️ YouTube: @reversemortgageandbeyond with Cheryl Scheidell

No sales pressure. Just information, education, and a conversation about whether the options make sense for you.

Upcoming Lunch & Learn

Cheryl is also co-hosting a Reverse Mortgage & Probate Lunch & Learn with Lydia Wietsma, Probate Realtor, at Total Wine & More at Scottsdale & Shea.

📅 Wednesday, May 20
⏰ 11:00 AM – 1:00 PM
📍 Total Wine & More — Scottsdale & Shea
🍴 Lunch included
⚠️ Limited seating — RSVP required

To reserve your seat, call or text 480-817-4324.

Important Reminder

A reverse mortgage is a mortgage loan and is not right for everyone. Borrowers remain responsible for property taxes, homeowners insurance, HOA fees (when applicable), home maintenance, and other property-related obligations. Loan terms, eligibility, costs, and available proceeds vary based on individual circumstances.

This is not a commitment to lend. All loans subject to credit approval. Barrett Financial Group, L.L.C. NMLS #181106. Cheryl Scheidell NMLS #886425. Equal Housing Lender.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

Host: Cheryl Scheidell
Guest: Nicole Porter, Founder of Your Parent Porter

🧰 Start with the SAFE Toolkit

If you’re unsure whether it’s time to step in or start planning, Nicole recommends beginning with the SAFE Toolkit, a practical resource designed to help families identify early warning signs, safety concerns, and next steps before a crisis occurs.
You can access it at yourparentporter.com/safe-toolkit.

Many families don’t realize there’s a problem until an emergency forces difficult decisions. In this episode of Is A Reverse Mortgage Right For You?, host Cheryl Scheidell sits down with Nicole Porter, founder of Your Parent Porter, to discuss the silent warning signs families often miss as parents age — and how proactive planning can make all the difference.

Nicole shares real-world insight into the problems families face when aging parents want to remain independent, yet subtle changes in safety, behavior, or mobility begin to appear. Together, Cheryl and Nicole explore how home assessments and walkthroughs can uncover risks early and help families create a thoughtful, supportive plan before urgent decisions are required.

🏡 In This Episode, You’ll Learn:

• The most common challenges families face as parents age
• What silent warning signs look like inside the home
• Why “everything seems fine” can be misleading
• How home walkthroughs and assessments identify safety risks
• How early planning preserves independence and peace of mind
• How a reverse mortgage, when used correctly, can help fund:
  • Home modifications
  • In-home care and support
  • Aging-in-place solutions
  • Without a required monthly mortgage payment

💡 Why This Conversation Matters:

Waiting for a crisis limits options. Planning ahead creates clarity, flexibility, and better outcomes for both seniors and their families. This episode encourages listeners to recognize early signs, ask better questions, and build a trusted support team before stress takes over.

📞 Contact Nicole Porter – Your Parent Porter

For guidance, resources, and support for aging parents and family caregivers:

🌐 Website: YourParentPorter.com
🧰 SAFE Toolkit: yourparentporter.com/safe-toolkit

📞 Contact Cheryl Scheidell

If you have questions for yourself, a spouse, or aging parents — or want to explore whether a reverse mortgage fits into a larger aging-in-place plan:

📞 Call or Text: 480-817-4324
📧 Email: Cheryl.S@BarrettFinancial.com
🌐 Website: ReverseMortgageAndBeyond.com

🎧 Tune in weekly to Is A Reverse Mortgage Right For You? for expert conversations, education, and real-life solutions to help you age safely, confidently, and on your own terms.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Guest: Seth Leibsohn
Host: Cheryl Scheidell, Reverse Mortgage Specialist, Barrett Financial Group

Reverse mortgages are one of the most misunderstood financial tools available to seniors today. In this episode, Cheryl Scheidell is joined by Seth Leibsohn for a candid, thoughtful discussion that cuts through fear, myths, and outdated information.

This episode focuses on education, consumer protection, and personal responsibility.

In this episode, we discuss:

• Why reverse mortgages developed a negative reputation

• How today’s FHA-insured reverse mortgages have changed

• The real obligations homeowners must meet

• Common myths vs. real risks

• Who should consider a reverse mortgage—and who shouldn’t

• Why informed decision-making matters more than ever

Important Disclosure:

Reverse mortgages are federally insured loans subject to eligibility requirements, financial assessment, and mandatory HUD-approved counseling. Borrowers must continue to pay property taxes, homeowners insurance, and maintain the home. This program is not suitable for everyone.

Have questions or want personalized information?

📞 Phone: 480-817-4324
🌐 Website: ReverseMortgageAndBeyond.com
📧 Email: cheryls@barrettfinancial.com

Education first. Pressure never.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

In this special episode of Is a Reverse Mortgage Right for You?, Cheryl Scheidell sits down with talk show host, author, and commentator Seth Leibsohn for an in-depth conversation about his career in radio, media, and public life.

Rather than discussing mortgages, this episode focuses on ideas, leadership, media responsibility, and civic engagement.

Topics Covered:

• Seth’s journey into talk radio

• Producing national radio programs

• Hosting The Seth Leibsohn Show

• His work at the Claremont Institute

• Lessons from running for public office

• Media literacy and thoughtful discourse

Host Contact Information:

📞 480-817-4324
🌐 ReverseMortgageAndBeyond.com
📧 cheryls@barrettfinancial.com

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Description:
Join Cheryl Scheidell, reverse mortgage specialist, as she walks through:

• Reverse mortgage basics

• Benefits and myths

• Second lien and purchase options

• Eligible properties and program types (HECM, fixed vs ARM, proprietary jumbo up to $4M+)

• How your home can supplement retirement income without taxes

• Stories showing the “house as a piggy bank”

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Episode Title:

Healthcare, Housing & Aging Well: Helping Seniors Navigate Care with Stephanie Russell

Host: Cheryl Scheidell
Guest: Stephanie Russell, BSN

In this episode of Is a Reverse Mortgage Right for You?, Cheryl Scheidell speaks with nurse and senior advocate Stephanie Russell, founder of Concierge Senior Care Management.

Stephanie shares how her experience as a nurse led her to create a concierge-style care management service that helps seniors and families navigate healthcare, coordinate care, and avoid unnecessary hospitalizations. She also introduces her proprietary web app, SARAH.Healthcare, designed to help families stay organized, manage important medical information, and communicate more effectively with healthcare providers.

Together, Cheryl and Stephanie discuss how healthcare planning and housing decisions often go hand-in-hand, and why education and proactive planning are essential for helping seniors age safely and confidently.

🎧 In This Episode

• Stephanie’s background as a nurse and senior advocate
• Why she created Concierge Senior Care Management
• How the SARAH web app will support seniors and families
• Ways proactive care coordination can help prevent hospitalizations
• The connection between healthcare planning and housing options for seniors

📞 Contact Information Cheryl Scheidell

Reverse Mortgage Specialist
Barrett Financial Group

📞 480-817-4324
📧 cheryls@barrettfinancial.com
🌐 reversemortgageandbeyond.com

Stephanie Russell, BSN

Owner – Concierge Senior Care Management, LLC
Concierge Senior Care Management

📧 srussell.cscm@gmail.com
📞 Office: 480-679-4219
🌐 Concierge Senior Care Management Website

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

Special Episode: Cheryl Scheidell on Spotlight on Arizona with Mark Durkin

In this special episode of Is a Reverse Mortgage Right for You, host Cheryl Scheidell shares a conversation originally recorded on the radio program Spotlight on Arizona, where Mark Durkin, Station Manager, interviews Cheryl about reverse mortgages and how they can play a role in retirement planning.

During the discussion, Cheryl explains the basics of reverse mortgages, addresses common misconceptions, and shares how today’s reverse mortgage programs have evolved to better protect homeowners. Listeners will learn how homeowners age 62 and older may be able to use the equity in their home to support financial flexibility in retirement.

Topics Covered

• What a reverse mortgage is and how it works

• How reverse mortgages have changed over the years

• Common myths and misconceptions

• Who may benefit from a reverse mortgage

• How reverse mortgages can help support retirement income planning

Reverse mortgages are not the right solution for everyone, but for the right homeowner they can be a valuable financial tool when properly understood and structured.

About Cheryl Scheidell

Cheryl Scheidell is a Reverse Mortgage Specialist with Barrett Financial Group, helping seniors and their families understand housing wealth and retirement options. Her goal is to provide clear education so homeowners can make informed decisions about their future.

Contact Cheryl

Cheryl Scheidell
Barrett Financial Group

📞 Phone: 480-817-4324
📧 Email: cheryls@barrettfinancial.com
🌐 Website: Reversemortgageandbeyond.com

If you have questions about reverse mortgages or would like to explore whether one might be right for you or a loved one, Cheryl welcomes the opportunity to talk and provide guidance.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Show: Is a Reverse Mortgage Right for You?
Host: Cheryl Scheidell, Reverse Mortgage Specialist – Barrett Financial Group

Wire fraud is one of the fastest-growing crimes in real estate today—and seniors are often the primary target.

In this critical and educational episode, Cheryl Scheidell welcomes her trusted title and escrow partners from Stewart Title for an in-depth conversation about how wire fraud happens, why it’s increasing, and—most importantly—how homeowners can protect themselves before it’s too late.

Joining Cheryl in the studio:

• Dana McDonald – Account Representative and long-time trusted partner
• Brianna Blodgett – Escrow Officer and wire fraud front-line expert
• Leslie Banes – Educator and Consumer Advocate

Dana and Cheryl have worked together for over a decade, including seven years with Stewart Title, and this episode reflects real-world experience—not theory.

🎯 What You’ll Learn in This Episode

• What wire fraud is and how criminals impersonate title companies, lenders, and realtors
• Why real estate and reverse mortgage transactions are prime targets
• FBI and ALTA statistics showing how often fraud attempts occur
• Why seniors (60+) are the most targeted age group nationwide
• Common red flags every homeowner must recognize
• What to do immediately if you believe you’ve been targeted
• How working with experienced professionals and modern verification tools protects your funds

🚨 Why This Matters—Especially for Seniors

Real estate transactions often involve tens or hundreds of thousands of dollars moving quickly under tight deadlines. Fraudsters exploit:

• Stress and urgency around closings
• Heavy reliance on email and text communication
• Multiple parties involved in a transaction
• The assumption that seniors may be less familiar with digital threats

Education and verification are the strongest defenses.

✅ Wire Fraud Safety Checklist

Save this. Share this. Use it every time.

BEFORE You Wire Any Money:

• ❌ Never trust wiring instructions sent by email or text
• ☎️ Always call a known, trusted phone number (not one in the email)
• 🔍 Verbally verify:
  • Bank name
  • Routing number
  • Account number
  • Dollar amount
• 🚩 Be suspicious of urgency, pressure, or last-minute changes
• 🔐 Do not click links or download attachments related to wiring instructions
• 🤝 Confirm with your Loan Officer and title company before sending funds

RED FLAGS TO WATCH FOR:

• “Updated” wiring instructions right before closing
• Requests for secrecy or “confidential” action
• Messages that sound different, rushed, or slightly off
• Requests to wire to a new bank, use gift cards, cryptocurrency, or apps

IF YOU’VE BEEN TARGETED:

• 📞 Call your bank immediately and request a wire recall
• 🌐 Report the incident at gov
• 🚔 Contact local law enforcement and the FBI
• 📄 Call your title company right away—time matters

🏢 Stewart Title – Contact Information

For questions about wiring instructions, escrow procedures, or wire fraud prevention:

Stewart Title
📞 Contact your local Stewart Title office directly
🔒 Always verify wiring instructions by phone using a trusted number you already have

📞 Cheryl Scheidell – Contact Information

If you have questions about:

• Reverse mortgages
• Refinancing
• Protecting your home equity
• Or whether a reverse mortgage is right for you

Cheryl Scheidell
Reverse Mortgage Specialist | Barrett Financial Group

📱 480-817-4324
📧 cheryls@barrettfinancial.com
🌐 ReverseMortgageAndBeyond.com

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

From humble beginnings to leading a billion-dollar organization, Rita shares powerful lessons on resilience, leadership, humor, and navigating life’s transitions with confidence and clarity.

Listeners will gain inspiration, practical wisdom, and encouragement for their own next chapter—financially and personally.

📞 Contact Cheryl: 480-817-4324
🌐 Website: ReverseMortgageAndBeyond.com

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Special Guest: Rita Davenport
Host: Cheryl Scheidell

In this powerful two-part episode of Is a Reverse Mortgage Right for You?, host Cheryl Scheidell welcomes internationally acclaimed speaker, bestselling author, and “Hope Dealer,” Rita Davenport.

From growing up in poverty to becoming one of the top 1% of paid professional speakers in the world, Rita shares her extraordinary journey of resilience, reinvention, and leadership. A Hall of Fame Speaker, former President of a billion-dollar organization, and frequent national media guest, Rita brings wisdom, humor, and heart to every conversation.

Listeners will hear inspiring stories, practical life lessons, and candid insights on:

• Navigating life’s transitions with confidence

• Reinventing yourself at any age or stage

• Leadership, legacy, and purpose

• Finding humor and hope—even during uncertainty

• What the “next chapter” can truly look like

Rita also discusses her bestselling book, Funny Side Up, and why laughter, mindset, and perspective matter—especially during financial or life changes.

This episode is about more than mortgages—it’s about choice, clarity, and living with intention.

📞 Questions about your next chapter?
Contact Cheryl Scheidell at 480-817-4324

🌐 Learn more:
ReverseMortgageAndBeyond.com

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

New Year • Health • Wellness • Financial Freedom

Host: Cheryl Scheidell
Reverse Mortgage Specialist | Barrett Financial Group

As we step into a new year, many people focus on improving their health, increasing energy, and reducing stress. On this New Year–focused episode of Is A Reverse Mortgage Right For You?, host Cheryl Scheidell highlights the powerful connection between financial wellness and overall well-being.

🌟 Featured Guests & Topics

💧 Dana Kupper — Owner, Prime IV

Dana discusses how IV hydration and vitamin therapy can support:

• Energy levels
• Immune health
• Hydration
• Overall wellness at any age

She shares how proactive wellness choices can improve how we feel physically — which often impacts motivation, mindset, and quality of life.

📍 Contact Dana Kupper / Prime IV
🌐 Website: PrimeIVHydration.com
📞 Phone: 602-975-4918

💪 Daniel Boone — Owner, HB Wellness

Daniel breaks down the fundamentals of nutrition and strength, including:

• Why protein is essential at all ages — especially as we get older
• The benefits of creatine for older adults
• Why hemp seed is a powerful addition to protein shakes
• How resistance training and weightlifting support longevity, strength, and independence

This segment provides clear, actionable advice and cuts through common fitness and nutrition myths.

📍 Contact Daniel Boone / HB Wellness
🌐 Website: HBWellnessSmoothies.com
📞 Phone: 480-513-8495

🌿 Britney Singleton — Founder, Living Gracefully

Britney shares her holistic approach to aging well — physically, emotionally, and mentally. She explains:

• The mission behind Living Gracefully and who they serve
• The importance of emotional health and mindset as we age
• Safe, effective ways to stay active while reducing the risk of injury

Her message reinforces that aging well is about education, support, and empowerment — not fear.

📍 Contact Britney Singleton / Living Gracefully
🌐 Website: Living-Grace.com
📞 Phone: 480-200-2351

💰 Financial Wellness & the New Year

This episode also highlights how financial stress can directly impact health, sleep, and overall quality of life.

While a reverse mortgage isn’t right for everyone, for the right homeowner it can:

• Eliminate a monthly mortgage payment
• Provide flexibility in retirement
• Support aging in place
• Help fund wellness, care, and lifestyle goals

Education is key — and that’s the heart of this show.

📞 Learn More About Reverse Mortgages

If you’d like to learn more about reverse mortgage basics, understand common myths, or explore whether a reverse mortgage might support your goals:

🌐 Visit: ReverseMortgageAndBeyond.com
📞 Call Cheryl Scheidell: 480-817-4324

🎧 Join us every week on Is A Reverse Mortgage Right For You? — where we share real conversations, real education, and real solutions to help you live well, age confidently, and move forward with peace of mind.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

Description:
In this episode, Cheryl Scheidell dives into the basics of reverse mortgages, busts common myths, and explains how seniors can purchase a home using a reverse mortgage. Hear two inspiring testimonials: one from a daughter who called after hearing our promo to help her mom switch lenders, and another from a veteran who purchased a home and now lives completely payment-free. Sponsored by Betty Pecha, A&M Futures, helping families create financial freedom and independence.

Contact Info:

• Cheryl Scheidell – 480-817-4324 | cheryls@barrettfinancial.com

•  reversemortgageandbeyond.com

• Sponsor: Betty Pecha – 602-524-9230 | amfutures.com

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

In this episode, Is a Reverse Mortgage Right for You? She’s joined by Shauna and Matt Schmeisser — the Husband-and-Wife Team Behind My Swan Song.

Shauna Schmeisser is the owner and estate planning attorney of Schmeisser Law, PLLC, where she helps families plan for the future and understand the importance of legacy planning. 

Her husband, Matt Schmeisser, is the software developer behind My Swan Song, a heartfelt app that helps people capture their stories, memories, and messages for loved ones.

Together, this husband-and-wife duo blend law, technology, and heart — making it easier for families to preserve what truly matters. They recently joined my radio show for an interview to share their insights on legacy planning, the inspiration behind My Swan Song, and how technology can help bridge generations.

Download My Swan Song today on the App Store and Google Play and start creating your lasting digital legacy, or visit www.myswansong.com 

You can Reach out to Shauna by visiting her website at www.schmeisser.law 

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

In this episode, Is a Reverse Mortgage Right for You? Cheryl’s joined by Shauna and Matt Schmeisser — the Husband-and-Wife Team Behind My Swan Song.

Shauna Schmeisser is the owner and estate planning attorney of Schmeisser Law, PLLC, where she helps families plan for the future and understand the importance of legacy planning. 

Her husband, Matt Schmeisser, is the software developer behind My Swan Song, a heartfelt app that helps people capture their stories, memories, and messages for loved ones.

Together, this husband-and-wife duo blend law, technology, and heart — making it easier for families to preserve what truly matters. They recently joined my radio show for an interview to share their insights on legacy planning, the inspiration behind My Swan Song, and how technology can help bridge generations.

Download My Swan Song today on the App Store and Google Play and start creating your lasting digital legacy, or visit www.myswansong.com 

You can Reach out to Shauna by visiting her website at www.schmeisser.law 

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Cheryl and Mark first shared the stage together in the Bahamas back in the 1990s, and now they reconnect to talk about Mark’s latest ventures, his passion for inspiring others, and how mindset and abundance play a role in achieving financial peace in retirement.

Together, they explore powerful insights on living with purpose, gratitude, and confidence — and how tools like reverse mortgages can help seniors create stability and freedom in their golden years.

It’s an uplifting, heart-centered conversation filled with wisdom, laughter, and a renewed sense of possibility.

🎙️ Tune in Sunday at 3:30 PM on AM 960 The Patriot
or visit ReverseMortgageAndBeyond.com for more information.

AirDate: 10-19-25

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

Our guests include:

🔹 Joseph Furtado from Mulberry Health, a trusted mobile medical service provider helping seniors stay healthy and independent at home
🔹 Cheryl Hemerson from Elements of Elder Care, offering insights from the frontlines of hospice and end-of-life care
🔹 Felicia Campos from Red Mountain Funeral Home, bringing a thoughtful perspective on planning ahead with dignity and peace of mind

Together, we’ll explore how reverse mortgages can fit into the broader picture of elder care, health services, and financial planning. It’s a thoughtful, informative conversation that empowers you to make wise decisions for yourself or your loved ones.

Tune in to AM 960 The Patriot—this is one you won’t want to miss.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

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We’ll explore how storytelling plays a pivotal role in building trust and closing sales, and how authentic communication can transform not just your business, but your life. With humor, wisdom, and real-world examples, Mr. Hopkins delivers an insightful message about the mindset of a true sales professional and what it takes to thrive in today's competitive world.

Whether you're in sales, leadership, or simply looking to sharpen your communication skills, this is a must-listen episode packed with practical takeaways and motivational stories.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

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Discover how the DAC system works to automatically manage and optimize your energy usage, especially during peak times when rates skyrocket. DJ explains how this user-friendly technology communicates with your existing electrical setup, helping you take control of your power consumption without changing your lifestyle.

The best part? Many users are seeing savings as early as their next electric bill.

If you’re tired of rising utility costs and want real solutions that work now—not later—this is a conversation you can’t afford to miss.

Tune in to AM 960 The Patriot and learn how to make your energy bill work for you!

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

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Griswold has 40+ years of national trust, with local, community-based care. We prioritize caregiver matching, oversight, and client-first service.

Why is it important to think about home care and aging in place before you actually need it?

Planning, Choosing, or Crisis – most families wait until their hair is on fire.

• Arizona has one of the fastest-growing senior populations in the U.S.
• Griswold specializes in stepping in quickly during a crisis, but planning ahead gives families choice and peace of mind.

Private arrangements may seem less expensive, but risks are high – no coverage, no insurance, no training, no backup.

Griswold offers trained, insured, supervised caregivers with guaranteed backup. Private hires may save a little upfront, but the long-term costs and risks are far greater.

Home care is like insurance – better to have it in place before you need it. Early relationships build trust and guarantee support.

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

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Special Episode: Cheryl Scheidell on Spotlight on Arizona with Mark Durkin

In this special episode of Is a Reverse Mortgage Right for You, host Cheryl Scheidell shares a conversation originally recorded on the radio program Spotlight on Arizona, where Mark Durkin, Station Manager, interviews Cheryl about reverse mortgages and how they can play a role in retirement planning.

During the discussion, Cheryl explains the basics of reverse mortgages, addresses common misconceptions, and shares how today’s reverse mortgage programs have evolved to better protect homeowners. Listeners will learn how homeowners age 62 and older may be able to use the equity in their home to support financial flexibility in retirement.

Topics Covered

• What a reverse mortgage is and how it works

• How reverse mortgages have changed over the years

• Common myths and misconceptions

• Who may benefit from a reverse mortgage

• How reverse mortgages can help support retirement income planning

Reverse mortgages are not the right solution for everyone, but for the right homeowner they can be a valuable financial tool when properly understood and structured.

About Cheryl Scheidell

Cheryl Scheidell is a Reverse Mortgage Specialist with Barrett Financial Group, helping seniors and their families understand housing wealth and retirement options. Her goal is to provide clear education so homeowners can make informed decisions about their future.

Contact Cheryl

Cheryl Scheidell
Barrett Financial Group

📞 Phone: 480-817-4324
📧 Email: cheryls@barrettfinancial.com
🌐 Website: Reversemortgageandbeyond.com

Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

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Support the Show: https://www.reversemortgage.org/lenders/cheryl-scheidell/

See omnystudio.com/listener for privacy information.

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