Solution 2 - Additional Resources / Study - If you are working with a client, new products and services will become a way of life. I've provided a PPT and recent article on a new product that we'll be writing more about - a company that buys a % of your equity for cash and shares in your upside appreciation. This is a realy niche product - 1% market share sort of thing, but there is some real possibilities for funding Long Term Care or other needs using just this product, or in combination with other products (Reverse Mortgages, HELOCs, etc.) to provide additional equity.