The Power of CHEIFS Inside Wealthy and Wise Advanced. 
 

One of the most exciting new features in Wealthy and Wise Advanced is the integration of CHEIFS® (Cornerstone Home Equity Insurance/Investment Funding Solutions).

With more than $35 trillion in dormant U.S. home equity, clients often hold their largest asset in a form that's hard to use. Until now, the choices were limited: sell the home, take out a HELOC, or consider a reverse mortgage — all debt-based solutions with trade-offs.

CHEIFS provides a new option. It lets clients convert a portion of their home equity into retirement income, protection, annuities, or estate planning strategies — all without loans, interest, or monthly payments. 

Inside Wealthy and Wise® Advanced, advisors can: 
 

• Model “status quo” vs. CHEIFS-funded plans
• Demonstrate potential improvements in net worth, liquidity, and legacy
• Customize scenarios by age, goals, and risk profile
• Show clients how home equity strategies can strengthen their balance sheet and long-term financial security
• Document best interest and due care standards
   

This makes Wealthy and Wise Advanced the first planning platform to integrate non-debt home equity strategies into a client’s financial roadmap — giving advisors a clear, competitive advantage.

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