And how a single conversation changes the picture.
Homeowners who love their California community but feel cashflow pressure. Often told "sell the house" but want to stay. David shows how home equity can often bridge 5–15 years without uprooting life.
Advisors recommend one path, family another, online forums a third. David lays out how home equity, retirement accounts, and California living costs actually interact.
Disciplined savers facing the "second chamber"—not building more wealth, but distributing what exists to support actual retirement lifestyle.
45–60 minutes together (phone, video, Carlsbad office). You share your numbers. David maps options. You decide what's worth exploring further.