Retirement Strategy
Retire with clarity, confidence, and a plan that fits your lifestyle
Retirement isn’t just about stepping back from work — it’s about stepping into financial freedom. At Valko Financial, we help you align your mortgage and home equity with your retirement goals, so you can enjoy the lifestyle you’ve worked hard to build.
Whether you’re looking to reduce monthly payments, eliminate debt, access home equity, or supplement your income, the right mortgage strategy can create peace of mind and long-term stability. From refinancing or downsizing to exploring reverse mortgage options, we’ll guide you through a personalized plan that supports your needs — today and in the years ahead.
This approach is ideal for homeowners nearing or already in retirement, individuals on a fixed income, or anyone looking to free up cash flow and build flexibility into their future. Let’s make your retirement everything you imagined — with financial clarity and confidence.
Can I access the equity in my home without selling it?
Yes. Options like a reverse mortgage or refinancing allow you to tap into your home’s equity while continuing to live in it. These strategies can help supplement your income, fund lifestyle goals, or provide a financial buffer in retirement.
Is it a good idea to carry a mortgage into retirement?
It depends on your financial goals and cash flow. In some cases, keeping a low-interest mortgage while investing your savings elsewhere can make sense. In others, paying down your mortgage or refinancing to lower payments may provide more peace of mind. We’ll help you weigh the pros and cons based on your situation.
What if I'm on a fixed income — can I still qualify?
Yes. Many lenders offer solutions designed for retirees or those on fixed incomes. Qualification is based on factors like home equity, credit history, and income stability. We’ll walk you through your options and help you find a strategy that works for you.
I recently met with Tracy Valko to review my house mortgage as I was about to enter retirement. I left that meeting feeling very at ease and satisfied that my concerns and needs were not only well take care of with a new plan of attack, but also in that emotionally, Tracy left me feeling acknowledged and appreciated for how my income stream was about to change in ways I had never experienced. I would recommend Tracy and her team for any mortgage planning and in fact, any financial planning period.
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Craig Dubecki
15 days ago
Adding to my review as it has been 8 years since first working with Tracy for home financing. I recently went through the renewal process with Tracy and had again a wonderful experience. Tracy really helps me to understand every step of the process in a way that is not intimidating or overwhelming. She has built my confidence in understanding home financing and how to educate myself for making the best decisions. Tracy and her team are approachable and available and I have never had a question go unanswered. They are knowledgeable and efficient and I really working with this team. Thank you Tracy and team!!! I had the pleasure of working with Tracy to obtain financing for my first home. Being new to the housing market was intimidating, however Tracy made me feel comfortable and allowed me to ask as many questions as needed. Tracy is very knowledgeable about the field she works in, and I truly felt like she was looking after my best interest and providing me with helpful support. I have since referred other friends purchasing their first home to Tracy as I know they are in good hands! Thanks Tracy!
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Lindsay H
8 years ago
Switching brokers was the best decision I could have made. Tracy and her team are truly wonderful. They patiently answered all of my questions—and there were many—while guiding me through every step of the process to ensure I was fully informed. A special shout-out to Samantha for her incredible support! I felt valued throughout the entire experience and know I am in excellent hands with Valko.
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Amanda G
16 days ago
Ready to explore your options?
Let’s chat about your goals and see if refinancing makes sense for you. We’ll run the numbers, compare your options, and help you make a confident decision.