ACP Certified Member Michelle Morris was featured in the January/February 2024 AARP Bulletin in an article titled 'You and your 3% Mortgage -- Strategies for a low-rate home loan in a high-rate world'. The article discusses whether you should pre-pay or pay off the mortgage vs. using that cash to invest, particularly in bonds: "Bond yields have come down from recent highs, but are still higher than they've been in years," says Michelle Morris, a financial planner with Brio Financial Planning in Quincy, Massachusetts. "Instead of prepaying a mortgage costing 3 percent, use the cash to buy a Treasury bond ladder paying more."