Protect it, Use it, Live it: Your Home Equity Playbook with Equity Advocate Sue Pimento

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Retirement today comes with more choices, more uncertainty, and more reason to understand how your home equity can support the life you want.

Join us for an informative session with Equity Advocate Sue Pimento, designed to help homeowners better understand the role home equity can play in retirement planning.  

With more than 25 years of experience in banking, mortgages, retirement, and financial education, Sue will guide attendees on how to evaluate home equity options, recognize when borrowing may or may not be appropriate, and approach decisions with confidence rather than uncertainty.  

What you’ll learn: 

  • How to compare common equity options and understand their trade-offs. 
  • When using home equity can support retirement goals and when it may be the wrong choice.
  • Why an emergency fund matters and how it can help protect long-term equity. 
  • The basics, benefits, limitations, and common myths around reverse mortgages. 
  • How to move from “maybe” to an informed yes or no when making retirement decisions. 

Reserve your spot and walk away with the clarity to protect what you’ve built, use your home equity wisely, and make retirement decisions with confidence. 




Meet Sue Pimento

With over 25 years of experience in banking, mortgages, retirement and financial education, Sue Pimento is passionate about helping homeowners make informed decisions. As an Equity Advocate, she focuses on educating Canadians on how to protect, use, and preserve their home equity for retirement

The Journey of Options

Homeowners have several options for accessing their home equity, from HELOCs and Manulife One to downsizing, generating rental income, or exploring a reverse mortgage. We'll compare the benefits and trade-offs of each approach to help you determine which option best supports your retirement plans.

Using Home Equity to Solve a Problem

Home equity can be a powerful financial tool when used strategically. Learn when it makes sense to access your equity, how to protect enough for future needs, and ways it can help support goals such as eliminating debt, supplementing retirement income, or funding important life experiences.

When Using Equity is a Bad Idea

Not every financial challenge can be solved by accessing home equity. We'll discuss situations where borrowing may not be appropriate and how to determine whether using home equity will improve your long-term financial well-being.

The Emergency Fund Rule

Unexpected expenses such as healthcare costs, home repairs, and family emergencies can arise at any stage of retirement. Learn why maintaining an emergency fund can help protect your long-term financial security, preserve your home equity, and provide greater peace of mind when the unexpected happen