We develop financial instruments and white-label products for regulated banks and insurance carriers to fund retirement. A minority may retire with enough capital to purchase an annuity or retirement bond. The majority are asset rich/cash poor and over-invested in their home - a non performing asset. They have 2 choices - both will cost them their home - downsize to free up capital for investment (and self-insure the risk) or lose the home to the bank through a reverse mortgage. The NEW alternative is the patented Equity Preservation Mortgage developed over 4 years at a cost of US$3.5 million. Re-write the retirement funding landscape for the ageing population - a growth market till 2050!