Originally posted by @Teri Feeney Styers:@Derrick E. and @Ebonee Bachman when dealing with retirees it might be helpful to understand how Social Security pays - it isn't on the 1st like many people think.

Think of the retirees, 401K participants, and others, and how they can benefit from participating in the wealth creation.

We understand that it is an area for a lot of retirees.

Remember- policy loans are used to give retirees tax free income.

My part of TX has mostly retirees buying in the $225K-$475K range, for cash.

This happens in our market too - usually with Retirees or other folks that have wealth, but not much income.

There is a Clark Howard research piece about how retirees with paid off mortgages are happier than ones with mortgages.  

Secondly, over the years in my profession I've noticed a reoccurring theme amongst the retirees.