Financial writer Jeff Brown’s recent Wall Street Journal article,  does a good job of explaining why some financial planners are encouraging seniors in their early 60s to take a reverse mortgage line of credit. “Research has shown that setting up a line of credit as soon as possible, age 62, in order to let it grow and only tapping into the line of credit when needed can substantially improve the long-term sustainability of a retirement-income portfolio, meaning you can make your money last longer,” said Jamie Hopkins, associate professor of taxation at the American College of Financial Services.