Every heard of that term....it means All Available Assets. Many advisors call themselves holistic, but really they don't utilize all available assets in their plan. Are you an advisor who only looks at what's in the client's hand and pockets but not what's stored in their closets? There is an asset that 90% of clients have and yet 95% of advisors are afraid to utilize when doing planning for a client. What is that tool - it's a HECM (Home Equity Conversion Mortgage). Numerous Economists and Financial Experts have proven that this tool will help (not hurt) over 90% of retirees. I found this picture today that will help you get an idea of how it can be a tool to utilize if you want to be a true holistic advisor.