Short Form Why Real Estate in Retirement Is More Complicated Than Most People Think

LEGACY INVESTMENT SERVICES

YouTube Short Script  |  June 2025  |  Week 3 - Short 10

TITLE: Why Real Estate in Retirement Is More Complicated Than Most People Think

ADVISOR: Jordan Cassiani

RUNTIME: 55-65 seconds

FORMAT: Vertical 9:16, tight on-camera, no cuts

CTA: Link in bio for complimentary retirement income analysis

Securities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Legacy Investment Services and Osaic Wealth are separate entities. Content is for educational purposes only. Not investment, tax, or legal advice. All scenarios are hypothetical illustrations.

SCRIPT

Owning real estate going into retirement feels like a positive. In some ways it is. In other ways it introduces complexity that people often do not anticipate.

If you own investment property, the rental income is taxable, the property requires ongoing management and maintenance, and concentrated exposure to a single property type or geography adds risk to a portfolio that should generally be getting more diversified as you approach and enter retirement.

If you own a primary residence with significant appreciation and you want to downsize, the timing of the sale interacts with your income in that year, your capital gains exclusion, and your Medicare premium calculations two years forward. A large home sale gain that pushes you above certain income thresholds can trigger IRMAA surcharges you were not expecting.

And if you own real estate outside a trust, it typically goes through probate when you die. Each state where you own property requires a separate probate proceeding.

None of this means real estate is a bad asset in retirement. It means the planning around it is more involved than people typically assume, and the decisions about timing, ownership structure, and eventual disposition should be made with full visibility into the tax and estate implications.

Link in my bio.

PRODUCTION NOTES

Balanced, not anti-real estate. Each scenario is concrete. The IRMAA trigger from a home sale is a genuinely underappreciated risk.

Legacy Investment Services  |  Jordan Cassiani  |  Legacy - Real Estate in Retirement Complications - Short - Week 3