Michelle Graves Photo

Michelle Graves

HECM Advisor


Michelle Y. Graves, affectionately known nationally as “The Money Lady”, has been involved in the financial services industry since 1976. Prior to starting her career in the mortgage industry Michelle received her B.A. in Economics from Antioch College. Subsequent graduate work in Economics and Banking was completed at American University, Washington, D.C. Her extensive background in the industry includes experience in mortgage banking (including reverse mortgages), investments, insurance, and estate planning. She is a member of the Society of Certified Senior Advisors with a Certified Senior Advisor (CSA) designation where she specializes in creative retirement strategies.

For more than three decades, Michelle has been a tireless advocate for senior citizens and their financial well-being. In 1998, Michelle began offering reverse mortgages as a possible solution to seniors’ who were facing difficult financial situations as they aged. In an effort to educate seniors, she launched a weekly talk radio show, “Senior Spirit Live” which focused on the unique challenges of aging, and later launched a television program “The Power of Money” aimed at continuing education and empowering older Americans.

During her years in the financial industry Michelle has been awarded many awards including being inducted into the Ohio Women’s Hall of Fame for her achievements in banking and finance; honored by the Cincinnati Enquirer, Bicentennial Edition, as one of the 200 most important Cincinnatians in the city’s history and was the only female so honored in the category of banking; and a Life Member of the National Registry of Who’s Who In America for her consistent and innovative contributions to the worlds of banking and finance. In 2014, in recognition of her lifelong commitment to the financial empowerment of women, she received The ATHENA Award.

Michelle is married and the mother of three adult children - Mya, Jovan and Anya. The loves of her life are her two grandchildren, Bradley and Ailiah. She enjoys riding her vintage Peugeot bicycle, gardening, reading history books, and, most importantly, helping senior citizens realize their financial goals.