A clear conversation about what you’ve built

David Marrs has spent over 25 years helping California homeowners 55+ retire on their terms—aligning home equity, savings and income with the life they actually want.

"Informational only. Not financial, tax or legal advice."

Helping you retire without uprooting your life

David helps California homeowners who’ve done everything right but still feel their options are too narrow. Many face the same blunt choices: "work longer," "sell the house," or "move out of state." He shows how savings, home equity, and income can often work together differently.

  • Retiring comfortably while staying in your community
  • Making home equity support the next 20–30 years
  • Understanding trade-offs before irreversible decisions

A conversation, not a consultation

  • 45–60 minutes by phone, video, or in my Carlsbad office
  • No solutions presented unless specifically requested
  • You leave understanding your real options and non-negotiables

"Most people find clarity replaces months of uncertainty."

This tends to help homeowners who...

  • Live in California, usually 55+ with home equity and savings
  • Want to retire but feel cashflow-constrained
  • Hear "just work longer" or "just sell" from advisors
  • Need someone to connect their full financial picture

Why I've stayed in retirement planning 20+ years

David Marrs discovered early that financial freedom comes from understanding how assets work together, not just accumulating more. Two decades working with California homeowners showed him most people face the same constraint: "I've done everything right, but now what?"

Ready for clarity?

"Schedule a conversation. No preparation needed—just bring what you know about your situation. We'll map your options together."

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David Marrs

David Marrs

Financial Consultant. Estate and Retirement Advisor.

For 25 years, David Marrs has been helping clients, advisors, CPA’s, and estate planning attorneys with innovative solutions for retirement and senior financial planning. Front and center in the process is the value appropriate reverse mortgage applications can bring to the retirement plan.

Over the years, and through the evaluation of hundreds of cases, David has developed a unique and powerful discipline in the appropriate application of reverse mortgages.

Education, Professional Licenses and Certifications

Bachelor of Arts, Economics, Westmont College

Bachelor of Arts, Business, Westmont College

California Insurance License, CA INS # 0B66301

Nationwide Mortgage Licensing System & Registry, NMLS # 852498

Reverse Mortgage Certified

California Partnership of Long Term Care Certified

California Corporate Insurance License

California Real Estate License

What changes after a single conversation

These are simple “before / after” snapshots — focused on clarity, trade-offs, and next steps.

Carol & Bob

Before

They carried a constant background worry about “what happens later” — and felt like every path had a downside they couldn’t properly weigh.

After

They left with a clear decision-map: what matters most, what can be deferred, and the exact questions to bring to their attorney and existing professionals.

Erica

Before

She had done the “responsible” thing for years — but felt uncertain about timing and worried that one bad stretch could change her freedom to choose.

After

She had a calmer picture of her options and a phased plan — so she could make decisions in sequence, without forcing a premature “all-at-once” move.

John

Before

He felt boxed in by the choices he was being shown — and wasn’t sure who to trust when different sources gave different answers.

After

He had clarity on the decision constraints, the trade-offs, and a simple checklist of what to confirm — so the next step felt straightforward, not overwhelming.

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There is no charge for these conversations, and no hidden agenda. For informational purposes only. Not financial, legal, or tax advice.