Designing Your Financial Future


We help consumers navigate the complex worlds of retirement and mortgages

Our Founder and Chairman Jack M.Guttentag is Professor of Finance Emeritus at the Wharton School of the University of Pennsylvania. Throughout his career, Professor Guttentag has been concerned with the difficulties faced by consumers in financial markets arising from complexity and inexperience. He tackled these challenges first in connection with home mortgages, then with reverse mortgages, and here with retirement planning – the most challenging of all!

His Retirement Funds Integrator (RFI), developed with Allan Redstone, enhances retirement plans by consolidating components that are otherwise offered as stand-alones, by assuring competitive prices, and by simplifying the decision process for retirees without any sacrifice in rigor.




Half of Americans age 55 or older have no retirement savings and are worried about outliving their money. We can help!


Deal with standard and reverse mortgage lenders armed with the tools and information you need to make informed decisions.


We offer consumers 4 major retirement planning and mortgage shopping tools

Retirement Funds Integrator

Create a “personal pension” using the financial assets and home equity you have accumulated.

Learn more →

Retirement Saver

See how a savings plan you start now can increase the spendable funds you will have available in retirement.

Try Retirement Saver →

Kosher Reverse Mortgage

Shop for a HECM Reverse Mortgage from our network of lenders – on a true apples-to-apples comparison basis.

Explore Reverse Mortgage Options →

Mortgage Shopper

Shop for a standard mortgage using The Professor’s comprehensive system that uses real time, complete pricing from a network of lenders

Get a Mistake Free Mortgage →


Jack Guttentag


Known online as The Mortgage Professortm since 1997. Professor of Finance Emeritus at the Wharton School of the University of Pennsylvania.

Read more about Dr. Guttentag

Allan Redstone


Allan Redstone is a longtime colleague of Dr. Guttentag and was a cofounder of GHR Systems – a pioneering software development company in the mortgage lending space.

Misha Guttentag

General Counsel

Misha Guttentag is an attorney specializing in financial and technological products and policy. He graduated from Yale Law School in 2017