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Susan A. Pomfret RICP®️
I am sitting at a kitchen table educating Mary (82) about how a HECM may benefit her. Once I started asking her questions about what struggles she is having, I was hit with a lot more than I thought—she is not only having difficulty financially, but also emotionally. Are you prepared for this? You better be. As a HECM expert, you need to be sure you are an all-around resource for the seniors you meet.
Mary began to tell me that when her husband passed away, learning to live on one Social Security check was frustrating. She soon realized what bills she needed to pay and what things she would have to do without. Obviously, as she aged, her health care costs increased and most of her money went toward that and her home. She said she was fine with that because she had no plans to leave the home that she had been in for more than 45 years. It is where she raised her children and where her grandchildren and great-grandchildren now enjoy playing in the beautiful backyard.
She started to tell me how, at times, she is lonely and sad, and that most of her lifelong friends have passed. I asked her if she gets involved in her local senior center and she said, “The people there are too old for me.” I responded, “That is why they need you! Have you ever considered volunteering? And it would be a good excuse to get out of the house a few hours a week.”
I always carry around my state’s Department of Elderly Affairs Pocket Manual, so I was able to give her a contact to call. I also mentioned to her that we have a program called The Friendly Visitor that she may want to look into. I told her my mom was involved with this program and developed a lovely friendship with the woman who came to visit her each week. My good old pocket manual also had that information.
From there, she was telling me that this winter had been very difficult (those of us in New England can surely relate to that). She mentioned that she had to get oil so frequently that when it was delivered, she would tell them to just fill it halfway. I informed her about our state’s heating assistance program, which she was not aware of.
And yes, you guessed it, I was able to give her the information from my pocket manual along with the number to Rhode Island Saving Energy (RISE), who will come to a senior’s home and perform a free energy-efficiency evaluation. They will even replace old light bulbs with energy-efficient ones for free, and possibly install a new, energy-efficient refrigerator at low or no cost! As I continued to help Mary with some of her difficulties, I saw that her mood picked up and she was much more optimistic than when I first arrived. As I continued to help Mary with some of her difficulties, I saw that her mood picked up and she was much more optimistic than when I first arrived.
This is just one example of how I was resourceful to Mary beyond a HECM. I was able to address her issues right on the spot. Would a HECM solve some of these issues? Absolutely, but given that these programs are available to her, why wouldn’t I share my knowledge about them with her?
So, let’s get back to the HECM. After identifying some other issues, Mary realized that the program would truly relieve some of her financial stress and she decided to move forward. A few months after closing, she called to thank me again for all my help. Best calls ever, right? As I told her before, it was my pleasure and I aim to be as resourceful as possible. She wanted me to know that she is volunteering at the senior center three hours a week and loves it. She has even met some new friends because of it. She also signed up to be a Friendly Visitor and makes weekly visits to two senior ladies who are homebound, and she is grateful to be making a difference in their lives. By doing these two things, Mary thinks she is helping others, which she is. Just as importantly, she is helping herself, without even realizing it.
Sure, I helped her with her financial struggles by helping her obtain a HECM, but I also got her out of her isolation and gave her a new purpose. By the way, she told me she took advantage of the heating assistance program and RISE. Now that spring is finally here, she is looking forward to purchasing a new swingset for her yard for the kids to enjoy.
Ironically, as I was writing this story, I received a call from a gentleman about his adult sister. She has severe disabilities, and between her mortgage and credit card debt, she is struggling each month. Unfortunately, she is only 56 years old, so I was not able to help with a HECM, but I was still able to be a resource to him by giving him information on our local housing agency that may be able to refinance her into a very low interest rate, along with a debt counseling agency that can help negotiate with her creditors to reduce her interest rate and monthly payments, making things more manageable for her. So, I guess the lesson learned here is how truly important being a resource to people really is!
Lastly, I am fortunate that my state has various senior
nonprofit organizations, where I volunteer. Giving back is very important to
me. It not only teaches me about what is available for my clients (things that are
not in my pocket manual), but also allows me to build awareness about HECMs and
show people that HECM professionals really do care about helping our seniors.
Writer’s Note: March 2024. I
am happy to say that I am serving the Southwest FL area and can be as
resourceful given my referral partners and the Seniors Blue Book.
Reach out today for more information, 401-595-7300 or [email protected]
When Rachel Ritter first walked through the doors of The Glenview, she wasnt leading concerts, organizing excursions, or planning community-wide celebrations.She was 15 years old, bussing tables in the dining room.Today, more than three decades later, Rachel has come full circle as The Glenviews new Lifestyle Director a role that perfectly combines her lifelong dedication to the community with her passion for enriching the lives of residents.Along the way, Rachel earned both a nursing degree and a degree in history, supported in part by a scholarship from The Glenview Scholarship Fund. She worked at The Glenview throughout college, held numerous leadership roles in Dining Services, and built lasting relationships with residents and team members alike.Now, she has found what she calls her true calling.After 31 years at The Glenview, Ive discovered that my greatest passion is creating a vibrant lifestyle for our residents, said Rachel. Dining Servies allowed me to create exceptional experiences around the table, but I wanted to contribute even more to daily life here. My goal is simple: every resident should wake up each morning with something exciting to look forward to.That philosophy is reflected in every square of The Glenviews bustling Activities Calendar. A Calendar Packed with PossibilityRachels vision is ambitious: create enough variety that every resident can find something that sparks joy, curiosity, connection, or purpose.Its my job to bring joy to peoples lives, said Rachel. I take that responsibility very seriously.Each month, residents enjoy an extraordinary mix of entertainment, education, wellness, social events, and excursions. Signature Events & EntertainmentTwo to three major events each month bring the community together for unforgettable experiences. From jazz ensembles and classical concerts to vocal performances and thought-provoking lectures by college professors, residents can explore topics ranging from history and philosophy to pop culture and current events. Culinary ExperiencesFood lovers eagerly await the monthly cooking demonstrations led by Executive Chef David Chidsey or Pastry Chef Ashley Yedeski. Residents learn professional techniques, enjoy generous tastings, and occasionally see favorite recipes make their way onto the dining room menu.The culinary fun continues with themed luncheons and tea parties. Recent favorites have included French and Asian-inspired lunches, farm-to-table seasonal luncheons, a Southern Tea Party, and a whimsical Mad Hatter Tea complete with imaginative desserts.Ashley has a gift for creating memorable pastries, said Rachel. Together, we love finding ways to surprise residents with something delicious and unexpected. Wellness for the Whole PersonAt The Glenview, wellness extends far beyond exercise.Working alongside Director of Health & Wellness Navigation Kari Bone, Rachel helps create programming that supports all eight Dimensions of Wellness: physical, emotional, social, spiritual, intellectual, vocational, health services, and environmental health.Recent speakers have included cardiologists, dietitians, meditation specialists, IT & fraud advocates, and other experts all lectures paired with refreshments and opportunities for discussion.Our residents are incredibly curious and engaged, said Kari Bone. Its a pleasure working with Rachel to bring in exceptional speakers on topics that matter most to the quality of life for our seniors. Lifelong learning is alive and well at The Glenview!Residents can also choose from 13 fitness classes every week, including yoga, meditation, cardio exercise, balance training, chair fitness, Tai Chi, and specialized classes led by physical therapy professionals. For independent workouts, the Fitness Center offers access to state-of-the-art equipment seven days a week. Adventure Awaits in Pelican BayWhile there is always something exciting happening on campus, Rachel also loves taking residents on the road. Recent outings have included a Rhythm & Blooms Jazz Concert at the Naples Botanical Garden, rooftop happy hour at The Perry Hotel, and visits to every new exhibition opening at the Artis Naples Museum.Rachel also coordinates transportation for residents who are season ticket holders for Naples Players productions and Artis Naples Masterworks Concerts.One of the best parts of my job is helping residents continue exploring the community they love, said Rachel. Theres always another adventure waiting in Pelican Bay. The Power of Shared InterestsSome of the communitys most beloved activity programs are resident-led. Book lovers can join either the Fiction Book Club, led by resident Lynn Nolan, or the Non-Fiction Book Club, led by resident Cynthia Bye. Creative residents can gather for the Social Crafting Bee, where simple projects are paired with cookies, lemonade, and conversation. The newest project a handmade greeting card was suggested and organized by resident Carol Levy.The Card Room is always a hub of activity at The Glenview. Card players gather regularly for bridge, Mexican Train, mahjongg, and other favorite games, while movie enthusiasts enjoy Saturday matinees complete with buttered popcorn.Rachel has a remarkable talent for turning resident ideas into reality, said Lynn Nolan, resident and Chair of the Lifestyle Committee. She listens, encourages participation, and helps create the sense of community that makes The Glenview so special. Rachel is much loved by all our residents. Giving Back TogetherSome activities focus on something even bigger than fun.Through a partnership with Meals for Hope, residents participate in quarterly philanthropy events that help organize and distribute food for local families in need.Many residents want hands-on ways to serve others, Rachel said. This program allows them to make a direct impact while working together as a community.The Glenview knitting group has found a similarly meaningful mission by connecting with the global non-profit Knitted Knockers, where they create soft knitted prostheses for women recovering from breast surgery.Its amazing to watch residents use their talents to comfort someone theyve never met, said Rachel. The project gives purpose to every stitch. A Scholarship That Came Full CircleOne activity especially close to Rachels heart is the monthly Scholarship Bingo fundraiser. All proceeds benefit The Glenview Scholarship Fund, which helps employees further their education.I was fortunate enough to receive one of those scholarships myself, said Rachel. It changed the course of my life. Every time we host Scholarship Bingo, Im reminded of how much this community invests in its people. Always Looking AheadRachel is already looking to expand the already full Activities Calendar.A new Dining Out Club is in development, giving residents opportunities to explore local restaurants together. Rachel is also working with yoga instructor Marjorie to launch a Senior Salsa class and continues partnering with the resident-led Lifestyle Committee to bring new ideas to life.The best ideas often come from residents, said Rachel. When people share their passions, we can create even more opportunities for connection and fun.Resident Judy Johansen agrees. Rachels enthusiasm is contagious, said Judy. She creates opportunities for everyone to get involved, make friends, and try something new. Theres always something exciting on the horizon here.For Executive Director Daniel Gomez, Rachels impact is impossible to miss. Rachel brings tremendous energy, creativity, and heart to everything she does, said Daniel. Her decades of experience at The Glenview, combined with the genuine relationships shes built with residents, make her truly irreplaceable. She helps create the culture of joy that defines this community.Rachel sums up her vision with characteristic enthusiasm: I want The Glenview to feel like a cruise ship that never leaves the dock, she said. There should always be great food, lively conversation, and exciting activities waiting around every corner!Judging by the packed calendar and the smiles it creates Rachel has certainly contributed to making The Glenview a destination of choice for seniors.We invite you to experience The Glenview personally. Join us for lunch, tour the community, meet the residents, and see firsthand why so many discerning individuals choose to call it home.To learn more about our community or schedule a visit, call us at (239) 977-9744 or complete our Contact Us form.
When you move to The Glenview, youre gaining more than a beautiful apartment home. Youre gaining a trusted guide dedicated to helping you stay healthy, connected, independent, and confident as you embrace this exciting new chapter.That guide is Kari Bone, Director of Health & Wellness Navigation.My goal is simple, Kari said. I want every resident to feel supported, confident, and excited about whats ahead. Whether someone needs help finding a new physician, has questions about available services, or wants to learn new ways to stay healthy and active, Im here for them.Its a role thats part educator, part advocate, part problem-solver and one that helps residents truly optimize life at The Glenview.Wellness That Helps You Live Your Best LifeWellness at The Glenview isnt measured by the number of fitness classes on the calendar. Its about creating opportunities to live with greater purpose, energy, and peace of mind. Kari develops engaging programming that supports all eight Dimensions of Wellness physical, emotional, social, spiritual, intellectual, occupational, financial, and environmental health giving residents new ways to learn, connect, and thrive.On the first Wednesday of every month, residents gather for Health & Wellness Presents, a popular speaker series featuring physicians, therapists, dietitians, wellness experts, and other specialists discussing topics that matter most as we age.Our residents are incredibly curious, Kari said. Every month we have a wonderful turnout because people genuinely enjoy learning something new. They ask great questions, share their experiences, enjoy a healthy lunch or cooking demonstration, and spend time with friends. You leave feeling a little smarterand a little happier.Recent presentations have explored everything from heart health and nutrition to mobility, meditation, fraud prevention, and healthy aging. Interactive demonstrations and lively discussions turn every program into an opportunity to learn something practical while building meaningful friendships.Between presentations, Kari also shares practical advice through her popular Navigator Nuggets easy-to-save wellness guides included in the monthly resident newsletter. Covering topics like hydration, fall prevention, and seasonal wellness, theyre another way The Glenview helps residents make informed choices that support healthy, independent living.More Than Answers Peace of MindKari also introduces residents to the many services available to support successful aging in place, including GlenCare, The Glenviews personalized in-home support program.I never want someone to feel like theyre on their own, Kari said. Whatever question comes up, whatever challenge they face, well figure it out together. Thats what were here for.That reassurance begins long before move-in day.Kari is a results-driven leader with a humanitarian heart, said Krisandra Panting, Director of Marketing & Sales. Shes an incredible resource for prospective residents and their families because she has a solution for virtually every question or concern. She has a remarkable way of helping people feel comfortable, cared for, and confident about their decision to move to The Glenview.Helping Residents ThriveThis October, Kari will launch LifePlus, an exciting new wellness initiative built around four pillars of healthy aging: Connection, Movement, Nutrition, and Longevity. The program debuts with a week-long celebration featuring presentations given by nationally recognized physicians, wellness talks, fitness classes, interactive demonstrations, pop-up events, and the One Million Step Challenge, where residents join forces to track their steps throughout the month, turning walking and healthier habits into a shared community goal.Kari brings so much heart to everything she does, said Daniel Gomez, Executive Director. She doesnt just organize outstanding programs she builds relationships. She helps people discover new interests, make new friends, and feel confident that theyre supported every step of the way. Her guidance is one of the many things that makes life at The Glenview so special.For Kari, thats the real purpose behind every program, every conversation, and every connection.When someone chooses The Glenview, theyre choosing so much more than a place to live, she said. Theyre choosing a community that wants them to feel their best, keep learning, stay connected, and enjoy every stage of life. Seeing residents discover new friendships, new interests, and new confidence thats why I love what I do.Optimizing your life isnt about doing more. Its about living in a community where youre encouraged to be healthier, stay curious, build meaningful relationships, and embrace each day with confidence.Thats the difference youll discover at The Glenview.We invite you to experience The Glenview personally. Join us for lunch, tour the community, meet the residents, and see firsthand why so many discerning individuals choose to call it home.Schedule your private visit today by calling (239) 977-9744 or click here.
For Jeanne Findlater, moving to The Glenview at Pelican Bay wasnt just a change of address it was a discovery. I wish Id done it years ago, she said. I simply didnt realize what this lifestyle could offer.Jeanne knows a thing or two about recognizing exceptional opportunities. In 1979, she made history as the first woman in the country to lead a television station in a Top 10 market, when ABC appointed her Vice President and General Manager of WXYZ-TV in Detroit. Today, the Michigan Journalism Hall of Fame member, says one of the best decisions shes ever made was choosing The Glenview. I love having my own home and my privacy, Jeanne said. But I also love knowing that everything is taken care of. I dont worry about maintenance, repairs, or the little things anymore. Its incredibly freeing.The Freedom to Enjoy Every DayMost afternoons, Jeanne relaxes with a glass of wine, a mystery novel, and sweeping views of the Gulf before heading to dinner in The Glenviews elegant dining room. When shes ready to be social, all she has to do is open her front door. Its like living in a beautiful boutique hotel, Jeanne said. There are concerts, lectures, fitness classes, bridge, mahjongg, and wonderful people everywhere. It all comes together to create a very rich life.An Unmatched LocationFor Jeanne, The Glenviews location is equally extraordinary. Theres nothing else like it, she said. Were surrounded by the beauty of Pelican Bays protected mangroves, and I can take the complimentary tram to the beach whenever I want, enjoy lunch by the Gulf, then walk to waterside shops, the Artis Naples Performing Arts Center, or the Baker Museum. Everything is right here.A Home Thats Truly Her OwnJeanne also appreciates that residents own their homes, allowing her to create a space thats uniquely hers. I opened up my kitchen, added granite, and created a home thats perfect for entertaining, she said. It feels exactly the way I wanted it to.The Difference is the PeopleAbove all, Jeanne says its the people who make The Glenview exceptional. The staff is extraordinary, she said. Theyre caring, thoughtful, and always looking out for us. You feel supported every single day.Looking back, Jeanne has only one regret. I waited too long, she said. Life here is everything I hoped retirement could be.
At USA Mortgage, we are passionate about helping seniors achieve financial flexibility through Home Equity Conversion Mortgages (HECMs) and other Reverse Mortgage solutions. With a customer-focused approach and over two decades of experience, we provide tailored mortgage options designed to meet the needs of homeowners aged 55 and older.Our dedicated local Team are experts in HECMs/Reverse Mortgages, guiding you every step of the way with a seamless loan process. Whether youre looking to access your homes equity, refinance, or explore a HECM or Reverse for Purchase option, USA Mortgage offers a wide range of solutions to help you reach your financial goals.We pride ourselves on delivering a reliable, detail-oriented, and personalized experience. From the initial consultation toloan closing, our Team is committed to finding the right product that works for you, providing peace of mind and financial freedom. Trust USA Mortgage to be your premier home loan partner, empowering you to make the most of your retirement years.We offer a wide range of mortgage options to suit your specific needs and financial goals. From conventional loans to FHA, VA, and USDA loans, HECM and Reverse Mortgage loans. USA Mortgage has the expertise to help you find the perfect mortgage solution. Susan A. Pomfret, RICP has a career spanning several decades, she is proud to be one of the trailblazers in the reverse mortgage industry, having the honor of originating one of the first HECMs in Rhode Island in 1989 and has since dedicated her career to advancing the industry, playing a pivotal role in elevating companies to new heights. Under her leadership, she has transformed HECM closings, overseen vast teams, and engineered sales strategies nationwide.Susan's passion extends beyond just professional accomplishments; she is deeply committed to the senior community. This is reflected not only in leadership roles within senior-focused non-profit organizations but also in the dedication as a volunteer and advocate. She has been published in numerous mortgage publications, covered esteemed events like the White House Conference on Aging in 2005 and 2015, and was chosen to assist in writing the first Certified Reverse Mortgage Professional (CRMP) exam for the industry's trade organization, the National Reverse Mortgage Lenders Association (NRMLA).In addition to Susan professional endeavors, she holds a Bachelor Degree in Paralegal Studies, a Certificate in Gerontology from Roger Williams University and the Retirement Income Certified Professional Designation from The American College of Finance Services. Susan is driven by the mission to enrich the lives of our senior population and empower retirees to live a financially stress-free retirement.Contact Susan Pomfret, RICP at 401-595-7300 to schedule your free consultation.NMLS#1253876. Licensed in FL (License #LO125044)