Designation program

C-RMS™
Certified Reverse Mortgage Strategist™

The designation for reverse mortgage professionals who want to speak the language of CFP® partners — fluent in portfolio coordination, longevity risk, and strategic planning.

66Video lessons
8Curriculum modules
$97Per month
Self-pacedOn Thinkific
CRMP-authoredCurriculum
Who it's for

Built for originators ready to move upstream

The C-RMS™ is designed for licensed reverse mortgage originators who want to build referral relationships with CFP® professionals, financial planners, and wealth managers. It teaches the strategy layer that product training never covers.

Forward mortgage LOs entering reverse
Establishes credibility with financial planners immediately — gives you a shared vocabulary and a strategic framework from day one.
Active originators building CFP relationships
Converts CFP conversations from product pitches into strategic planning discussions — the shift that turns one referral into an ongoing partnership.
Experienced CRMPs deepening their practice
Goes beyond loan mechanics into portfolio coordination, Social Security strategy, and estate planning coordination that sophisticated clients expect.
Curriculum

8 modules. 66 videos. One cohesive framework.

Every lesson builds toward the same goal: a graduate who can sit across from a CFP and hold their own.

Module 1
HECM Foundations & Product Mechanics
Loan structure, eligibility, MCA, non-recourse protection, and the LOC growth feature — the building blocks every strategic conversation requires.
Module 2
Retirement Income Planning Fundamentals
Sequence-of-returns risk, the 4% rule, longevity risk, and how home equity fits into a comprehensive retirement income framework.
Module 3
The Buffer Asset Strategy
The Salter/Pfeiffer/Evensky standby HECM framework, five-step implementation, and the mathematical case for non-correlated LOC coordination.
Module 4
Portfolio Coordination & CFP Collaboration
How to model the buffer asset strategy alongside a CFP's existing plan — including Social Security bridge analysis and withdrawal rate optimization.
Module 5
Client Identification & Suitability
Candidate criteria, behavioral finance considerations, upfront cost framing, and documentation standards for suitability analysis.
Module 6
Estate Planning, Trusts & Exit Scenarios
Living trust FHA compliance, POA and incapacity planning, voluntary repayment mechanics, and loan repayment scenarios for heirs.
Module 7
Tax, Compliance & Regulatory Framework
HECM proceeds and tax treatment, interest deductibility under TCJA, IRMAA considerations, state referral rules, and FHA guideline updates.
Module 8
CFP Referral Development & Practice Building
Opening CFP conversations, presenting case studies, handling objections, and building the referral partnerships that sustain a reverse mortgage practice.
Standards of practice

A designation with a published standard

Every C-RMS™ graduate signs the C-RMS™ Standards of Practice — a public commitment covering client-first advisory, suitability documentation, collaborative professionalism, and integrity of the designation. The Standards are published at ReverseMortgageEDU.com and available to any referral partner who wants to verify the commitment their C-RMS™ professional has made.

Download the Standards of Practice →
Recommended tools

Tools for C-RMS™ practitioners

The C-RMS™ curriculum teaches strategy. These tools help you present it. Recommended for active C-RMS™ graduates building CFP referral relationships.

Calculation & illustration
Reverse Plus

A reverse mortgage calculation and illustration platform designed for mortgage professionals. Run HECM scenarios, model LOC growth projections, and generate client-ready reports that support the buffer asset conversations you'll have with CFP partners after earning your C-RMS™.

Learn about Reverse Plus ↗
More tools coming
As ReverseMortgageEDU™ grows, we'll curate the best tools for C-RMS™ practitioners here.
Enrollment

Start the C-RMS™ program

Self-paced. Start today. Cancel anytime. 66 video lessons, 8 module exams, and downloadable worksheets — all delivered through Thinkific.

$97 Per month · Cancel anytime
Enroll in C-RMS™ today →

Access begins immediately upon enrollment. Monthly subscription — cancel before next billing date to avoid charges. Questions? Email reneek@C2Financial.com