Podcasts about cash value life insurance

In this episode of the Power of Zero Show, host David McKnight addresses the claim that sees Paul Atkins owning 54 life insurance policies for an astounding 10% of his $327 million net worth. Someone may ask themselves why someone with such a massive net worth would own so many life insurance policies…and even why someone who has equity in Chinese tech giant Alibaba, holdings in cryptocurrency, and stakes in venture capital firms would also want their wealth growing in cash value life insurance policies. Looking at Atkins, who's President Trump's nominee to chair the Securities and Exchange Commission, can help understand how the ultra-wealthy view taxes and wealth accumulation. One possibility could be that Paul Atkins may have exhausted all of the usual sources of tax-deferred and tax-free growth available to him through government-sponsored retirement plans.  Something worth remembering: Cash Value Life Insurance policies don't have any income threshold, and they have no contribution limits at all. A second potential scenario that has led Atkins to have over 50 life insurance policies is that he might be looking for a way to diversify his holdings. David points out to the fact that owning shares in single stocks like Alibaba – like Atkins does – can be a fairly risky proposition. Cash value and life insurance policies like whole life or IULs, on the other hand, aren't exposed to market risk. There's yet another possibility: Atkins may not be the insured on all the policies. According to the ethics filings, the cash value of the policies in question ranges from as low as $1,000 to well over $1 million. For some experts, that may be a sign that Atkins is investing in life settlements. The final potential scenario is the one in which Atkins owns all the policies for the purpose of estate planning. David points out that there are many more efficient ways to purchase life insurance policies than buying 54 separate contracts David shares that he understands the concept of wanting to spread your risk out among multiple carriers, but feels that doing so through the purchase of 54 different policies is a bit extreme. David points out that diversifying away from the stock market with some of your portfolio is, typically, a good idea. Want safe and productive growth without the risks associated with traditional bond allocations? Look at cash value life insurance policies, says David. Remember: cash value life insurance can also be beneficial because many carriers allow you to receive your death benefit in advance of your death. While it's true that cash value life insurance isn't for everyone, Paul Atkins ethics disclosure shows that it can play a critical role in someone's long-term wealth-building strategy.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Paul Atkins Alibaba

In this episode of the Real Estate Pros Podcast, host Mike Stansbury interviews Larry, a data engineer turned real estate investor. Larry shares his journey from living paycheck to paycheck to successfully investing in real estate and syndications. He emphasizes the importance of mindset, building relationships, and the value of masterminds in achieving success. Larry also introduces his initiative, the Abundant Wallet, aimed at helping others reach their financial goals through smart financial strategies. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

What is the value of a dollar? In this episode of Remnant Finance, Hans and Brian explore the concept that not all dollars are created equal. They discuss how the value of your money changes dramatically depending on where it's stored, how it's invested, and what phase of life you're in.From emergency funds to retirement planning, they challenge conventional financial wisdom and explain why simply chasing higher returns isn't always the best strategy. The discussion dives into how liquidity, accessibility, and guarantees can often be more valuable than pure growth potential.Through real-world examples and case studies, this episode offers a fresh perspective on financial planning that goes beyond account balances to consider the true value and utility of every dollar in your personal economy.Not All Dollars Are Created Equal: When a dollar bill is held in your pocket, it's the same as any other. But once that money is put into motion - invested, saved, or spent - its true value changes based on accessibility, guarantees, liquidity, and many other factors that are often overlooked in conventional financial planning.The Dangers of Conventional Financial Wisdom: The common advice that focuses solely on account balances and growth rates ignores or minimizes crucial factors like accessibility, guarantees, and tax implications. This blanket financial advice can lead people to make devastating financial decisions without considering their individual circumstances.The Power of Liquidity in Uncertain Times: A compelling case study reveals how a wealthy client struggled to secure a mortgage despite having millions in collateral, until they could provide $600,000 in liquid cash deposits. This real-world example demonstrates how cash value life insurance policies can provide guaranteed access to capital when traditional financing becomes restricted.Planning for an Unpredictable Future: Creating financial plans that can withstand unexpected events is more important than relying on historical market performance. With major disruptors like AI on the horizon and economic uncertainty, liquidity and guaranteed access to capital will be increasingly valuable.Estate Planning Considerations: The often-overlooked estate phase of financial planning highlights how different assets pass to heirs and why life insurance death benefits offer significant advantages in terms of tax treatment, probate avoidance, and guaranteed value.▶️Chapters:00:00 - Understanding Dollar Value01:00 - Brian's Office Setup & Hans's Finger Injury 03:00 - The Value of a Dollar - Not All Equal05:00 - Three Things You Can Do With Money 08:00 - Bad Financial Planning & Blanket Advice 13:00 - Report Card for Your Dollars 15:00 - Planning for the Future vs. Past Performance21:00 - AI as a Major Economic Disruptor 26:00 - Case Study: Mortgage Access & Liquidity 34:00 - Benefits of Cash Value Life Insurance 37:00 -Waiver of Premium Rider Benefits 39:00 - Estate Planning & Death Benefits 44:00 - Final Thoughts: Grading Your Dollar's Performance⁠Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

Today, Bruce and I want to unpack a question we frequently encounter: Is cash value life insurance enough for retirement? It's a compelling question, but one without a simple yes or no answer. The effectiveness of cash value life insurance as your primary retirement vehicle heavily depends on your personal discipline, your overall financial strategy, and, importantly, your understanding of what retirement means to you. https://www.youtube.com/live/rASx9CvIpbg When I started my financial career back in the late 1980s, a presentation caught my attention. It claimed that by consistently funding a whole life insurance policy, individuals could join the "Lucky 3%"—those who felt completely secure about their retirement. This idea was captivating, promising financial freedom through disciplined saving. Yet, over the years, I discovered something crucial: consistency, discipline, and long-term thinking significantly outweigh the choice of any specific financial product. The Retirement Dream vs. RealityIs Cash Value Life Insurance Enough for Retirement?Defining Retirement: What Does It Really Mean?The Importance of Consistent Savings and DisciplineWhole Life vs. VUL and IUL: Stability and GuaranteesThe Myth of "Zero is Your Hero" in Indexed Universal Life (IUL)Cash Value Life Insurance as Part of a Comprehensive Retirement PlanThe Infinite Banking AdvantageCan You Rely Solely on Cash Value Life Insurance?Book A Strategy Call The Retirement Dream vs. Reality By the end of this article, you will clearly understand whether cash value life insurance—such as whole life, variable universal life (VUL), or indexed universal life (IUL)—can sufficiently fund your retirement. We'll explore the advantages and drawbacks of using life insurance as your main retirement tool, emphasize the critical importance of consistent saving, and outline how to effectively integrate life insurance into a comprehensive retirement plan for optimal security and growth. Furthermore, you'll understand why no single financial instrument is perfect for everyone, and why a diversified, well-balanced retirement strategy that includes guaranteed income, buffer assets, and growth-oriented investments can lead to lasting financial security and peace of mind. Is Cash Value Life Insurance Enough for Retirement? Defining Retirement: What Does It Really Mean? Many of us grow up envisioning retirement as a milestone where we stop working at age 65 and comfortably live off our accumulated savings. However, this traditional model presents significant challenges. The reality is that you're often expecting 40 years of work to fund potentially 30 or more years of retirement, especially as life expectancy increases. Rather than viewing retirement as an abrupt halt to working life, a more sustainable approach is to see retirement as a transition to financial independence. Instead of merely accumulating savings, focus on acquiring cash-flowing assets, such as rental properties, dividend-producing stocks, or profitable businesses, which can continuously generate income regardless of market fluctuations. The Importance of Consistent Savings and Discipline Bruce emphasizes that consistent saving and disciplined behavior are the foundation of successful retirement planning. Unfortunately, many people fall short in their savings efforts early in life, later attempting to compensate by chasing higher-risk investments for potentially greater returns. This strategy often introduces unnecessary risk precisely when financial security is most critical. Establishing disciplined savings habits early and maintaining them throughout your career is far more important than selecting the "perfect" financial product. Time and consistency enable compound growth, providing greater financial security in your retirement years than riskier, late-stage investments ever could. Whole Life vs. VUL and IUL: Stability and Guarantees

In this episode of the Tactical Empire podcast, Jeff Smith welcomes Shawn Rider for a discussion on leveraging high early cash value life insurance to build a robust financial foundation. They explore how this financial tool supports business growth, real estate investments, and family security. Sean shares his personal journey, including the initial reservations, strategic deployment during COVID-19, and his current plan for future investments. The conversation emphasizes the importance of having a dependable financial system, the psychological comfort it provides, and how it can be used for active and passive income. Jeff and Sean also discuss the importance of adapting your financial strategies over time and thinking big for long-term wealth creation.00:00 Introduction to Tactical Empire00:30 Meet Shawn Rider00:55 Balancing Family and Travel01:37 Kids and Organized Sports06:06 Infinite Banking System06:34 Jeff's Financial Journey09:17 Wife's Perspective on Finances11:12 Utilizing Life Insurance Loans13:27 Real Estate Investments18:23 Future Financial Strategies27:54 Conclusion and Call to Action

SIGN UP FOR OUR LIVE MONTHLY WEBINAR: https://www.controlandcompound.com/live-webinar On today's episode, Darren and Christina are breaking down five ways you can use high cash value life insurance that go beyond the infinite banking concept. These include corporate owned policies, using life insurance as an asset class, retirement and estate planning as well as an education fund for your kids. You do not want to miss this episode, tune in now! Show notes: 00:00 - Introduction 1:25 - Corporate owned high cash value life insurance 5:00 - Using high cash value life insurance as an asset class 8:20 - Retirement planning 10:50 - Estate planning 14:10 - Education funding for kids BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound JOIN OUR FACEBOOK COMMUNITY: https://www.facebook.com/groups/controlandcompound

Today we dive into the world of generational wealth-building and asset optimization during your prime working years. Don't think life insurance is just for the inevitable - it's so much more! In this video, we'll unlock the potential of life insurance as a powerful tool that allows you to become your own bank, providing you with the leverage and liquidity needed to acquire other assets. Discover how to create tax-free strategies and gain control over your finances, all through your life insurance policy. ✅ SUBSCRIBE SUBSCRIBE SUBSCRIBE ✅ https://www.youtube.com/c/EPICFinanci...

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Cash value life insurance can be a valuable tool for certain individuals, but it is essential to understand that it is not suitable for everyone. In this episode of the Know Your Numbers REI podcast, host Chris McCormack emphasizes the importance of making informed decisions when considering cash value life insurance. He highlights that while this strategy can offer tax benefits and serve as a savings vehicle, it is crucial to assess whether it aligns with your financial goals and circumstances. Tune in to gain a deeper understanding of cash value life insurance and how it can play a role in your financial planning. Don't miss out on this informative episode that aims to empower you to make confident and informed decisions about your financial future. If you found this episode valuable, consider following to the podcast, leaving a five-star rating, and sharing it with others who may benefit from the information shared. Stay informed, make wise financial choices, and keep moving forward towards your financial goals. Listen to the full episode on the Know Your Numbers REI podcast now! •••••••••••••••••••••••••••••••••••••••••••• ➤➤➤ To become a client, schedule a call with our team ➤➤ https://www.betterbooksaccounting.co/contact •••••••••••••••••••••••••••••••••••••••••••• Connect with Chris McCormack on Social Media Facebook: https://www.facebook.com/chrismccormackcpa LinkedIn: https://www.linkedin.com/in/chrismccormackcpa Instagram: https://www.instagram.com/chrismccormackcpa Join our Facebook Group: https://www.facebook.com/groups/6384369318328034 → → → SUBSCRIBE TO BETTER BOOKS' YOUTUBE CHANNEL NOW ← ← ←  https://www.youtube.com/@chrismccormackcpa The Know Your Numbers REI podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests. #CashValueLifeInsurance #WholeLife #VariableUniversalLife #IndexedUniversalLife #CommonMistakes #DaveRamsey #RothIra #TaxMistakes #FinancialPlanning #FinancialWellbeing #FinancialGoals #InvestWisely #AvoidMistakes #BusinessOwners #AccountingForRealEstateInvestors #RealEstateTax #RealEstateTaxTips #RealEstateInvestor #KnowYourNumbers #BetterBooks #ChrisMcCormack

In this episode of the Tactical Empire, host Jeff Smith is joined by Shawn Rider to discuss the concept of wealth and personal financial goals. Broadcasting from different locations, Jeff from the Outer Banks and Shawn from a coworking space, they bust the myth of requiring enormous sums of money to feel wealthy. Through personal anecdotes and substantive insights, they explore how wealth is not solely defined by income but also by the control over time, money, and the ability to solve problems. The episode underscores the importance of financial planning and living within one's means while pursuing improved financial stability.Chapters:00:00 Introduction to Tactical Empire00:33 Meet Shawn Rider03:03 Defining Wealth03:29 Personal Wealth Journeys11:04 Financial Freedom and Control20:48 Achieving Financial Goals23:00 Conclusion and Community EngagementYou can connect with Shawn Rider on Facebook and Instagram. If what you heard resonated with you, you can find Jeff on Instagram, Facebook. If you're interested you can visit The Tactical Empire's website https://www.thetacticalempire.com/home-4169. And don't forget to visit us on Apple Podcasts to leave a review and let us know what you think! Your feedback keeps us going. Thanks for helping us spread the word!

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Laura answers a listener's question about life insurance policies.Money Girl is hosted by Laura Adams. A transcript is available at Simplecast.Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at 302-365-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links: https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDThttps://twitter.com/LauraAdamshttps://lauradadams.com/

Today's episode is part 1 of David's interview with Power of Zero co-founder Larry DeLegge.  The two talk about value life insurance policies, children, and whether life insurance can serve as a viable volatility shield in retirement. David shares his thoughts regarding the “IUL vs. whole life insurance policy” debate. For David, starting a life insurance policy is like getting married – he explains why. When it comes to life insurance policies, there are two key things David looks at. The first one is safe and productive growth, the second thing is a guaranteed 0% loan. David touches upon the 4% rule and the so-called volatility buffer. “The problem with the 4% rule is that it's a pretty expensive way to go about saving for retirement,” says David. A recent Ernst & Young study looked at whether there is any reliable way to get an 8% distribution rate. David cites a study that said that bonds are much more correlated to the stock market than we previously thought and are much more volatile than previously thought..  David discusses precautions to take with the LIRP for your children to avoid unpleasant surprises.   Mentioned in this episode: David's books: Power of Zero, Look Before You LIRP, The Volatility Shield, Tax-Free Income for Life and The Infinity Code DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free 3-part video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com MetLife Hancock Midland Dave Ramsey Ernst & Young Curtis Ray

Today's episode is from David's conversation with CFP Adam Olson. They discuss why mega-CPA firm Ernst & Young is saying that if you want to maximize your income in retirement, you should put 30% of your retirement savings into a cash value life insurance. David reveals what percentage of your savings you should put into a life insurance retirement plan.  David shares the benefits of accumulating three years worth of living expenses in your cash value life insurance–this is to pay for your living expenses in the year following a downturn in your stock market portfolio. According to David, the benefit of doing so is it gives your stock market portfolio a chance to recover before taking further distributions. If you're 50 years or younger, put 30% of your retirement savings towards cash value life insurance. This move alone will double your sustainable withdrawal rate in retirement. So, if you're saving 25% of your income for retirement, David recommends putting around 8% into a cash value accumulation product. Mentioned in this episode: David's books: Power of Zero, Look Before You LIRP, The Volatility Shield, Tax-Free Income for Life and The Infinity Code DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free 3-part video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com

Cash Value Life Insurance is one of the lesser understood financial assets that you can own, but it is also one of the most powerful. In today's episode of The Wealth Talks Podcast we talk about the cash value of life insurance policies, what it is, where it comes from and how it can be used. This episode is all things cash value. After this episode you will understand life insurance cash value better than you ever have before.   Paying Property Taxes using the infinite banking concept: https://www.youtube.com/watch?v=dBG9Gk8lGTw Review WealthTalks on Apple Podcast here: https://podcasts.apple.com/us/podcast/wealth-talks/id978187163 As a listener of the Wealth Talks Podcast you can request episodes that answer your questions or talk about something you want to know more about, just send an email to producer@wealthtalks.com

In this conversation, Chris Hoffman discusses various aspects of 401k retirement savings plans. He addresses misconceptions about 401ks, such as the belief that they are the best place for retirement savings when they may be the only option for some individuals. He also highlights the benefits of Roth 401ks and the importance of considering other investment tools, such as cash value life insurance. Additionally, he advises on strategies for maximizing 401k savings, including in-service withdrawals and utilizing brokerage link accounts. Chris also emphasizes the importance of avoiding common pitfalls, such as borrowing from a 401k and investing in mutual funds. Visit Unleash Your Money to learn more and sign up to get your 401(k) X-Ray. Call 404-341-6767.See omnystudio.com/listener for privacy information.

Have you ever wondered if Whole Life Insurance is right for you? What are the pros and cons? Is there anything wrong with term life insurance? 00:00 - Intro 01:00 - Rob Gills video reaction 05:44 - Joshua's Story video reaction 15:13 - Forbes Advisor Article review 27:44 - Money Guy video reaction 32:41 - Two Cents video reaction 35:17 - Consumer Reports article review 36:43 - White Coat Investor article review 40:30 - What I'm Doing For My Life Insurance 41:47 - Closing Statements Today's story reviews a sales pitch for whole life insurance followed by a heartbreaking story about how Joshua made a $20,000 mistake with his life insurance. The lessons learned from the contrast speaks volumes. Today's main topic covers life insurance, whole vs term, and Jay's personal life insurance plan. Life insurance is an essential part of healthy finances, but not every life insurance product is a need. Your situation will dictate what you need. It is important that you can identify what wants you may have for life insurance beyond those needs, and that you firmly clarify them as genuine wants. To kick things off, Jay reviews a solid Forbes Advisor article to establish the main differences between term and whole life insurance options. Next, we turn to the Money Guy show where they recommended a whole life product. For example purposes, Jay included a "run the numbers" case study from the PBS show Two Cents. Lastly, before sharing his plan, the White Coat Investor has a good bit to say on this topic that will largely make for good continued reading. These are the links to sources used in this episode: Rob Gills Video: https://www.youtube.com/watch?v=JFZRwkl9xd0&t=68s Joshua's Story: https://www.youtube.com/watch?v=Y_V6n3GZFVA Forbes Advisor Article: https://www.forbes.com/advisor/life-insurance/term-life-vs-whole-life-insurance/ Money Guy Show Clip: https://www.youtube.com/watch?v=ed7IIE9pRW4 Two Cents Example: https://www.youtube.com/watch?v=AgBhy8iXjpI Consumer Reports Study: https://www.consumerreports.org/cro/news/2015/04/is-whole-life-insurance-right-for-you/index.htm White Coat Investor Article: https://www.whitecoatinvestor.com/debunking-the-myths-of-whole-life-insurance/ Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial). Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

In this episode, we delve into the financial landscape and explore why cash value life insurance could be a smart move for your portfolio.Vanguard's recent forecasts suggest that U.S. equities are expected to return between 4-6%. While this might seem like a decent return, we'll discuss how you could potentially match or even exceed this with a cash value life insurance policy.Cash value life insurance is a type of permanent life insurance that not only provides a death benefit but also accumulates value over time.  This cash value component typically earns interest or other investment gains and grows tax-deferred. It's like having a savings account within your insurance policy, and you can access this money in various ways. Now, let's compare this to bonds. Vanguard forecasts that U.S. bonds are expected to return a nominal annualized 4.8%-5.8% over the next decade.   While bonds are generally considered a safer investment, they are not immune to risks. One of the primary risks of bond investing is that your investment loses value due to interest rate fluctuations. In contrast, cash value life insurance does not suffer from principal risk due to interest rate fluctuations as bonds do. This means that the cash value of your life insurance policy can provide a stable and predictable growth rate, making it a lower-risk investment compared to bonds.So, if you're looking for competitive returns with a lower risk profile, cash value life insurance could be a viable option. Tune in to this episode as we delve deeper into this topic, providing you with the insights you need to make informed financial decisions. ____________________________ If you'd like to purchase a life insurance policy with our help, please click right here to reach out to us.

Are sky high fees making cash value life insurance a poor investment for you? Should you just buy term life insurance and invest the difference yourself? Bob and Shawn discuss the true cost of cash value life insurance, such as whole life and universal life. Life insurance is almost always a must to protect your family and immediate loved ones in the case of your death, especially from your 20's to 60's. This episode highlights the various fees and charges associated with these policies, including upfront premium loads and surrender charges. No matter what you decide after listening to this episode, it is highly recommended to seek advice from a fee-based advisor or CPA.

Cash Value Life Insurance With Living Benefits Did you know we offer Cash Value Life Insurance with Living Benefits as one of our Solveres Solutions? If not, well now you do. And it just got better! Our insurance guru Grace Chang will be doing a "deep dive" into the Solution this Saturday. We've made it super easy for you to refer your prospects and earn commissions by helping your friends, family, and contacts protect themselves and their families with these amazing benefits. Join us to get informed and get your questions answered. https://meetn.com/jackbosma https://www.solveres.com/store/jackbosma/p/1330/affiliate/ 713 See you at the training! #Solveres, #opportunity, #business, #teamwork, #networking, #leadership, #nonprofit, #learning, #businessacademy, #solveresopportunity, #solveresmarketplacesolutions, #solveresb2b, #realestate, #health, #people, #partnerships, #solarpower, #capitalfunding, #businessloans --- Send in a voice message: https://podcasters.spotify.com/pod/show/jackbosma/message

Today's episode features some of the highlights of David's appearance on the Your Money with David Hays podcast. David touches upon what he would focus on and how long he believes he would last if he were president of the U.S.. David's next book will probably have the title Guru. For a while, David Hays has half-jokingly said that he would accept the responsibility of mayor. David introduces two perspectives into the picture: the point of view of financial gurus like Dave Ramsey and Suze Orman, and that of Ed Slott – whom USA Today dubbed “America's IRA Expert.”  Many people underestimate the financial costs of long-term care for their parents, spouse, or partner, says David. David illustrates the traditional way to approach long-term care and what would make the most sense for those thinking about it for their loved ones.     Mentioned in this episode: DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free 3-part video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Your Money with David Hays Dave Ramsey David M. Walker Bill Clinton George W. Bush Shark Tank Suze Orman Ed Slott USA Today

Unlocking financial freedom remains a tantalizing dream for many, but the journey to true independence is fraught with hurdles. In a riveting discussion, Ben Easter and John Ensley peel back the layers of a little-known financial strategy: cash value life insurance. Diving into the mechanics behind these policies, they unveil how cash value accumulates over time and the myriad advantages they hold. From exploiting tax benefits to harnessing policy loans for diverse purposes, the conversation unveils the potential for tax-free retirement income. With an expert's touch, they underscore the significance of tailored policies aligned with unique financial ambitions. Prepare to be enlightened as John divulges the inner workings of this extraordinary financial system, offering invaluable insights and long-term benefits for individuals and enterprising business owners alike.Tips on becoming your own bank:Unravel the enigmatic realm of Cash Value Life Insurance, a unique pact between individuals and insurance companies that holds the keys to both a life-changing death benefit and a mysterious cash value component. Discover the myriad of tax advantages concealed within Cash Value Life Insurance, where tax-deferred growth, tax-free policy loans, and a mesmerizing tax-free death benefit can grant you financial power.Take advantage of Policy Loans, the secret weapon of those who wield Cash Value Life Insurance. Ascend to the realm of self-banking, accessing funds to fuel your dreams, from ambitious investments to grand business endeavors, all while basking in the allure of remarkably lower interest rates and unyielding growth.Quotes"It's similar to any other savings vehicle, where you're investing money regularly, but without all the restrictions of traditional retirement accounts. The cash value grows over time and can be accessed through policy loans for various purposes." (John | 04:36)"The underlying contract continues to grow, as if you didn't borrow the money, while you can access financing, and you have the potential for tax advantages on both sides of the transaction." (John | 12:35)"Life insurance is one of the most underutilized sections of the tax code. It offers tax-deferred growth, tax-free policy loans, and a tax-free death benefit to beneficiaries." (John | 13:13)LinksConnect with John Ensley:https://jumponwithjohn.com/Connect with Ben:Website: https://lucidshiftcoaching.com/Lucid Shift Coaching IG: https://www.instagram.com/lucid_shift_coaching/Project Candlelight: https://airtable.com/shr5p0P2793RtRk2kPodcast production and show notes provided by HiveCast.fm Hosted on Acast. See acast.com/privacy for more information.

Unlock the Power of Cash Value Life Insurance & Discover the benefits of cash value life insurance and how it can enhance your financial strategy.

For David, financial gurus seem to hold a deep hatred for permanent life insurance – be it whole life, universal life, index universal life, or variable life. A key question to ask: with so many financial gurus against life insurance, how can we conclude that it should be integrated into a balanced, comprehensive approach to tax-free retirement? David believes that such an approach stems from the fact that these gurus address a huge homogenous audience, who's generally drawing in debt, and that they don't have the luxury of nuanced explanation. Everything they discuss should either be good or bad. Ed Slott, who the Wall Street Journal called ‘the best source for IRA advice', is an expert whose approach differs from the ones mentioned above. Slott sees life insurance as an investment that's better than your typical investment accounts for the fact that it's tax-free. Slott goes so far as to say, “Roth IRAs and life insurance can single-handedly remove most of the taxes you or your beneficiaries will ever have to pay.” The difference in approach between Ed Slott and other financial gurus has to do with Slott's 30 years of experience working with actual clients that has allowed him to observe the impact that cash value life insurance has on the lives of retirees and their beneficiaries. Ed Slott is not a financial guru using a one-size-fits-all strategy for the masses. He's an educator who understands the IRS tax code and who clearly knows that tax planning and retirement require nuance, especially if you have substantial assets.     Mentioned in this episode: David's books: Power of Zero, Look Before You LIRP, The Volatility Shield, Tax-Free Income for Life and The Infinity Code DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free 3-part video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com I'll Teach You to Be Rich (book) How to Get Rich (Netflix series) Dave Ramsey Suze Orman The Total Money Makeover  Ed Slott

On this episode of REI Mastermind Network, our guest Sarry Ibrahim shares his expertise on whole life insurance policies. Specifically, Ibrahim explains how to apply and fund these policies with cash value to grow your wealth and create a hedge against market risks for real estate investments. He also addresses common misconceptions and criticisms of whole life insurance and advocates for the use of this strategy as a tool for asset protection and growth. Don't miss out on this valuable information that many financial planners and real estate investors are unaware of. Tune in to learn how cash value whole life insurance policies can benefit you and your investment goals.

Andy and Kevin Lao from Imagine Financial Security discuss when cash value (aka permanent) life insurance may be appropriate, and what to know about the sales processes around such productsLinks in this episode:Kevin's firm, Imagine Financial Security - https://imaginefinancialsecurity.com/Kevin's podcast, the "Planning for Retirement Podcast" -  https://imaginefinancialsecurity.com/planning-for-retirement-podcast/

When it comes to investing, I'll Teach You to Be Rich author Ramit Sethi sees whole life insurance, annuities, and Primerica as major red flags. David believes that, in the Netflix documentary How to Get Rich, Ramit Sethi makes sweeping insurance product condemnations with little or no evidence to support his case. If David had a chance to sit down with Ramit Sethi, there's a series of questions he would like to ask him, including “Why are annuities bad?” Yale Professor Robert Schiller recently affirmed that bonds aren't the best solution for managing risk in retirement. While analyzing 10-year returns for stocks, bonds, and fixed index annuities, Schiller uncovered four startling truths.  For David, if you were to reach into your retirement portfolio, remove the bonds and replace them with a fixed index annuity, you would increase returns while safeguarding that portion of your portfolio against loss. The 4% Rule says that if you have a 60-40 stock-bond mix, the most you can take from your portfolio, and maintain a high likelihood of not running out of money before you die, is 4% per year (adjusted for inflation). If you have done a good job saving money, don't take advice from financial gurus who are dispensing one-size-fits-all financial planning advice on Netflix. Mentioned in this episode: David's books: Power of Zero, Look Before You LIRP, The Volatility Shield, Tax-Free Income for Life and The Infinity Code DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free 3-part video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com I'll Teach You to Be Rich (book) How to Get Rich (Netflix series) Dave Ramsey Suze Orman Prof. Robert Shiller Dr. Roger Ibbotson Yale University

In this episode, Pancham interviews Joey Mure - founder and partner at Wealth Without Wall Street. Joey dreamed of becoming an orthopedic surgeon at the age of 10, but fate landed him in a mortgage business for 11 years, moved into finance in 2014. He hopes to be remembered as a lover of Jesus, a devoted husband, and a faithful father.  With his experience in influencing and empowering people in investing outside of Wall Street, let us know how he found his investor DNA and what the infinite banking concept means! Let us also know how Joey brings impact, integrity, and generosity to his company and people! Listen and enjoy the show! Quote: "If you cannot think of what you would do with all the free time if you did not have to clock into work tomorrow, then you need to start dreaming again. Because at some point, 5, 10, 15 years into your career, I believe people turn off the creativity of what could be possible for their lives.” Timestamped Shownotes: 0:36 - Pancham introduces Joey Mure to the show 2:22 - How Joey started his investing journey 6:41 - His journey from working in the mortgage business to being an investor  12:00 - Joey talks about the Cash Value Life Insurance 17:30 - The Investor's DNA profile and DISC assessment 25:07 - First time Joey invested outside of Wall Street 26:30 - Fears he had to overcome in his first deal 27:15 - Joey's investor DNA 32:17 - His advice for people starting their investing journey 34:03 - How can you connect with Joey 3 Key Points: Once you start putting capital into a location you own and control, it will ask you to do something with it. That's the time you become an investor. When you put yourself in the position of liquidity, you can make risky choices that could be far-reaching down the road. You have a specific way you need to look at your investing that doesn't apply to everybody else. Get in Touch: Wealth Without Wall Street - https://www.wealthwithoutwallstreet.com/  The Gold Collar Investor Banking - https://thegoldcollarinvestorbanking.com/bankingshow  The Gold Collar Investor Club - https://thegoldcollarinvestor.com/club/  Pancham Gupta Email - p@thegoldcollarinvestor.com 

Why do top banks own billions of dollars of cash-value life insurance, if Dave Ramsey and Suze Orman say it's such a bad idea? Today, we're looking into bank financials at a little-known, highly desirable asset banks use as a Tier 1 Capital Asset to increase their financial strength. We're talking about bank-owned life insurance, or BOLI. https://www.youtube.com/watch?v=7gqAiiHQLXI So, if you want to fortify your finances and increase your stability through economic turbulence ... tune in now to find out about becoming your own banker with the Infinite Banking Concept! Table of contentsWhat is BOLI?What About COLI?Tier 1 CapitalHow Much Life Insurance Do Banks Own?What Can We Learn From BOLI?Resources for Learning About BOLIBook A Strategy Call What is BOLI? BOLI stands for Bank Owned Life Insurance, and while it's widely available knowledge, it's not widely understood. So why would banks want to own life insurance, and what does it do for those institutions?  Banks really didn't own life insurance until about 1994. In large part, banks take life insurance policies out on their key employees. This doesn't just give the banks an additional place to store and grow capital securely. The death benefit also provides the banks with a means to train a replacement in the event of that employee's death. In fact, even the cash value is useful in allowing the banks to prepare for a key employee to retire. This is how banks have “insurable interest” in their employees.  But banks don't just take out these policies on their employees, either. Banks have actually started group policies on the bank's customers who have loans with the bank. This means that if a customer died, the death benefit would pay for any outstanding loans.  Banks are great at protecting their money. They see the value in having their money over-collateralized in order to protect it.  [12:15] “If that is something that this institution is doing, why shouldn't you be doing it in your own life?”  What About COLI? Like bank-owned life insurance, there is also corporate-owned life insurance or COLI. The idea and usage of this type life insurance is the same. Companies benefit from having growth and liquidity in a life insurance policy, as well as the death benefit. Corporations like Walmart, Disney, Procter & Gamble, and many more rely on life insurance strategies.  So if life insurance is such a “bad investment” as some financial talking heads would suggest, then why are banks and major corporations relying so heavily on life insurance in their financial strategies? Clearly, there must be some merit to it. Tier 1 Capital [14:37] “Banks have to have what's called tier 1 capital… and up to 25 percent of their tier 1 capital, which has to be safe capital… is saved in the cash values of permanent life insurance. And that then is used to also insure the employees of the bank.” Tier 1 capital is the core of a bank's capital that is held in reserves. It is also used to fund some of the bank's business. This kind of capital must be safe and liquid. In fact, regulators require that banks have a certain amount of tier 1 capital available. This determines the strength of a bank, and that capital is useful for funding any losses the bank might have.  In other words, tier 1 capital, like bank-owned life insurance, is directly related to the strength and stability of a bank. So if banks are using such a large portion of life insurance to provide a foundation for their institution, that same logic can apply on an individual level. It's capital that is safe, liquid, and has growth that's not correlated to the stock market, after all.  How Much Life Insurance Do Banks Own? It might surprise you to know just how much life insurance banks have in their financial portfolios. The following are some statistics and numbers from some of the major banks. The numbers below represent how much cash value the banks have from their life ins...

In the 11+ years, we've actively communicated with potential clients online, we've had quite a few people approach us who were looking at High Early Cash Value products. Typically whole life insurance with that sort of identifier in the product's name.  And it begs the question: why aren't we keen on offering that flavor of whole life insurance to everyone? After all, we are the guys that made blended whole life insurance popular online--a concept that seeks explicitly to maximize the acceleration of cash value accumulation intentionally. So, that being the case, why wouldn't we recommend a product that is, by its very name, engineered to do that right off the shelf? There's a short answer, and that is that it (high early cash value life insurance) doesn't work very well for most people. But of course, there's a much longer answer that explains why that's true and why it's different from how we usually set up a policy for our clients. That's why you must listen to today's episode for a more robust explanation. Please take some time to listen, and if you feel inclined, send us a message.  ____________________________________ If you'd like to find out how to get rich with life insurance even if you don't die, please click right here to get in touch with us; we'd love to help you determine if the concept might work for you. 

Using equity and cash value from life insurance to build wealth | Estate Professionals Mastermind Podcast episode 100Can you create a permanent life insurance plan that creates equity and cash value? YES!IN THIS EPISODE: Choosing the right plan, at the right amount, at the right time.Full show notes: probatemastery.com/cash-value-life-insurance-for-real-estate-investingWatch on YouTube: https://youtu.be/RxEuVKwjgP8You'll Learn:

As we get closer to the end of the year, I know a number of you are trying to figure out how to deploy capital. We will have some opportunities that are not real estate oriented.  I also believe that it is a surprisingly good time to consider various life insurance strategies that we have […] The post 341: Why Now Is The Perfect Time For High Cash Value Life Insurance Strategies appeared first on Wealth Formula.

Sonja Galyon-Kamonika, the author of "10 Things I Wish I Knew as a Single Parent", joins the Passive Cash Flow Podcast to explain her own story as a single parent and how she pulled herself and her family out of poverty using smart financial strategies. Aaron and Sonja discuss how to utilize high cash-value life insurance, real estate, and other assets that people can use to build wealth, even on a small scale. Whether you are a single parent or not, this episode offers an in-depth explanation of how to use a high cash-value life insurance policy, also known as an overfunded life insurance policy, to ensure you have a large death benefit and use the funds invested into the policy to reinvest into real estate. It is a bit complicated as to how this process works so be sure to listen to the entire episode and leave your comments below! Enjoy!--https://www.peoplescapitalgroup.com/https://www.instagram.com/real_estate_investments_nj/?hl=enhttps://www.facebook.com/peoplescapitalgroupnjhttps://twitter.com/PCGrealestatehttps://www.linkedin.com/company/peoples-capital-grouphttps://www.youtube.com/channel/UCCeJh5UgrdBDOabr2YLbAHg#NJRealEstateInvesting#AaronFragnito#PassiveCashFlow#PCG#aaronfragnito#njrealestateinvesting#passivecashflow#realestate#realestateinvesting#accreditedinvestors#investing#sophisticated--00:00 Intro01:17  Using High Cash Value Life Insurance to Build Real Estate Wealth05:04 Understand financial wealth10:21 What to do with life insurance payout14:25 Life insurance premium20:56 Death benefit25:38 How to invest in real estate29:57 PCG niche in real estate35:11 Learn more at peoplescapitalgroup.com--This is not a solicitation for funds, tax advice, or legal advice. This is not intended to be, and must not be construed to be in any form or manner a solicitation of investment funds or a securities offering. Peoples Capital Group LLC is NOT a United States Securities Dealer or Broker nor U. S. Investment Adviser is a Consultant/service provider and makes no warranties or representations as to the listener or viewer. All due diligence is the responsibility of the investor.Support the show

In this episode Troy explains how you can acquire cash value life insurance with no additional out of pocket cost, and use the cash value to buy rental property then use the policy as a tax free retirement income stream.Book an appointment with me here - https://calendly.com/wealthstrategies...Click this link to learn how to increase cash flow and minimize taxes in retirement - https://wealthstrategiestovalue.com/m...

5 benefits cash in your Divividend Paying Life Insurance contract will help you build, protect, grow and pass your wealth --- Send in a voice message: https://podcasters.spotify.com/pod/show/mooremoneywithjeff/message Support this podcast: https://podcasters.spotify.com/pod/show/mooremoneywithjeff/support

In this episode of the BetterWealth podcast me and my good friend, Chris Kirkpatrick from LIFE180 discuss 5 negative drawbacks to cash value life insurance or better known as the infinite banking concept. Guest Bio I am relentlessly dedicated to helping people reach financial freedom as quickly as possible. I believe the financial system is broken - it is set up for the main street investor to fail. I believe too many people play a passive role in one of the most important areas of their life - THEIR MONEY. I wrote my last book, Cashflow Hacking, to show how anyone can reach financial freedom predictably in roughly a decade. That's about 4x faster than Wall Streets plan for you. And the good news is, you have more control of the outcome. I am also the Founder of LIFE180 - An Independent Marketing Organization (IMO) in the Life Insurance industry. Guest Link LIFE180 - https://www.youtube.com/c/LIFE180 (https://www.youtube.com/c/LIFE180)  #BetterWealth  Free 15 Minute Clarity Call: https://bttr.ly/ytclarity (https://bttr.ly/ytclarity)  The And Asset Book: https://bttr.ly/book (https://bttr.ly/book)  BetterWealth Quiz:  https://bttr.ly/quiz (https://bttr.ly/quiz)  AndAsset.com:  https://bttr.ly/andasset (https://bttr.ly/andasset)  BetterWealth Youtube - https://bttr.ly/bwyoutube (https://bttr.ly/bwyoutube)  Financial Advisor, Agent or Coach: https://bttr.ly/advisor (https://bttr.ly/advisor)

The Investment Vehicle No One Talks About - Using Whole Life Insurance To Build Wealthhttps://campsite.bio/narontillman1The inflation rate has hit a record high of 9.1% according to the WSJ. This is the highest rate we have seen in 4 decades. What does this mean for us and our economy? How can we survive these times where essential needs are so expensive? In this episode of Walk In Victory, we talk to Brandon Neely about the implications of this new inflation and give you some knowledge concerning how you can actually build wealth during this time. You won't want to miss it! WHO IS BRANDON NEELY?Brandon Neely is a serial entrepreneur, Profit First and Bank On Yourself Professional, and the co-host of Wealth Wisdom Financial Podcast with his wife and business partner Amanda. If you're struggling to fix your finances, Brandon can help you get on the right track. With his expert guidance, you can reach your goals and achieve the financial success you deserve. Listen to our conversation now and then contact Brandon for free resources you can use today: https://stillmethod.com/

Podcasters: Jon Thurmond and Phillip Washington, Jr.    "Begin with the end in mind." --Stephen Covey   Powered by Axis Financial and Stone Hill Wealth Management

As a Paralegal and a Certified Financial Planner®, Kraig is uniquely able to assist clients with the careful preparation of asset protection and estate plans.  Kraig's team uses a financial-planning approach to ensure that each client obtains the best possible outcomes. With 120 years of combined legal and financial services experience between our team members, we can help you think defensively about protecting your wealth, investments, business intellectual property, and other assets and counsel you through choices you make to prepare for the future. Thanks to the death of private pensions, the devaluation of Social Security benefits and other undeniable retirement factors such as inflation and increased taxes, America is now in a retirement income crisis. Kraig Strom, the host of Personal Pension Radio, is focused on helping you pack your bags for both halves of the retirement journey.  Kraig's mission is help you build & protect your wealth and lifestyle today and generationally. Along the way, Kraig is ready to assist with all matters related to your financial wellbeing as well as your business and family legal needs.  Optimizing Retirement income and protecting your legacy does not happen with a product. You must have an integrated approach. DISCLAIMER: Kraig Strom is not an attorney or a certified public accountant. Kraig is a Certified Financial Planner Professional®, a Chartered Financial Consultant®, and an Investment advisor representative.  As cool as all that may sound, this video is only helpful hints, tips and education. This video is not specific tax, legal or investment advice. Before you decide to take action on anything you see in this video, please consult with your tax, legal or investment advisor first.

Over the years we've seen our fair share of dubious sales practices used by "professionals" to sell the whiz bang awesomeness of cash value life insurance (both whole life and indexed universal life).  But none as egregious as when we see financial professionals intentionally inflating the rate of return by plugging in an artificially high tax rate in the illustration software. It's done by using a taxable equivalent yield calculation that assumes a very high effective tax rate (north of 50% in many cases). Obviously, this makes the non-taxable nature of cash values look much better. But it's painting an unrealistic comparison. Listen to the full episode to find out why we very much dislike this practice. And reach out to us if you'd like to explore how a cash value life insurance policy might work for you: https://theinsuranceproblog.com/contact

The Ramsey Call of the Day is a quick, daily dose of advice on life and money in under ten minutes. Hear from experts like Dave Ramsey, Ken Coleman, Rachel Cruze, Dr. John Delony, and George Kamel. Part of the Ramsey Network. Delivered to you five days a week.

So many people are learning about the benefits of growing cash inside of a life insurance policy.  It's been an asset for wealth families for well over a century.   In this episode, Jon Thurmond and Phillip Washington, Jr. discuss how insurance companies actually earn the interest they pay to life insurance policies.   Powered by Axis Financial and Stone Hill Wealth Management  

Long Term Care Insurance is a major topic among many. It's a confusing market for sure. In this life insurance bit podcast episode, Mitch Long discusses new trends in the long term care market.  As a consumer, there is a wide range of options when it comes to long term care coverage. In this episode, Mitch explains the benefits of these new long term care products. Listen to this Life Insurance Bit to hear the newest trends in the long term care market.  The post Foundation | Staying Active, How to Take a Break, and Cash Value Life Insurance appeared first on KazSource.

Barry started out in financial planning but after years of dealing with market volatility and people losing money, he pivoted towards guarantees and tax free money for clients. As the CEO & Founder of Focus Wealth Group, he is now on a mission to help people find the truth about their money. Over the past 21 years in this career he has: Placed $2 billion in death benefit protection for clients, served clients in 49 states, and assisted 10,000+ across the country is an authorized infinite banking practitioner. In today's episode, Barry is sharing the ins and outs of life insurance policies and the difference between the different companies to invest with. He is diving deep into how he brings profitability to his clients and how to get started on your own today. Get connected with Barry here: focuswealthgroup.com and here: infinitebanking101.net

Thomas Losher and Austin Ash are two innovative experts in the cash value life insurance space and young leaders within their organization. From growing up together as kids in Fort Wayne, IN to pioneering the future of insurance as colleagues, Thomas and Austin have developed a steadfast friendship centered on challenging one another to become their best selves. In this episode, they share their unique perspective on the value of life insurance and its importance in an overall financial plan for people of all ages.   We cover topics like:  What exactly is cash value life insurance? How does it work and why would someone want to consider it as a part of their financial plan?  Are there downsides to having cash value life insurance?  Can you access funds in a cash value life insurance policy? What does that look like, and how does it affect the policy long-term?   What is tax diversification and why is it important, specifically as it applies to our generation – Millennials and Gen Z?  Connect with Thomas Losher: LinkedIn  Connect with Austin Ash: LinkedIn  Face The Fear:  Instagram  Facebook  Twitter  Website   P.S. Kaitlyn Duchien, Austin Ash, and Thomas Losher are registered representatives of First Palladium, LLC, Member FINRA and a wholly-owned subsidiary of Ash Brokerage, LLC. Supervising office located at 888 S. Harrison Street, Suite 900, Fort Wayne, IN 46802. 800-589-3000. Content provided is for informational use only and is not to be constituted as financial advice. 

Jason and Kyle explain why getting a high cash value life insurance policy alone, is not Infinite Banking.   Policy is important, but comes second to the thought process of IBC Nothing wrong with wanting a policy, but not interested in IBC It is impossible to pick which company will give you the best IRR over your life Policy design is often more important than company selection For more information: Visit our website: www.cashvaluesolutions.com Schedule an IBC Discovery Call: https://calendly.com/cvsol Like our Facebook Page: https://www.facebook.com/Cash-Value-Solutions-106402764460189 Follow Kyle on Twitter: @KyleMans Connect with Jason on LinkedIn: Jason Pohlmeier Watch us on YouTube: https://www.youtube.com/channel/UCoogEEuTFvE4aWk7vB8dDFA Submit questions to: kyle@cashvaluesolutions.com or jason@cashvaluesolutions.com Get Becoming Your Own Banker: https://infinitebanking.org/product/becoming-your-own-banker/ref/44/ Get Farming Without the Bank: https://bs352.isrefer.com/go/wtb/kmans/

For the full audio interview, transcript, show notes and more visit: https://altassetallocation.com/ Today, I'm talking to Matt about Index Universal Life Insurance which is a type of Cash Value Life Insurance. Life insurance as an asset class and as part of your investment strategy. I have a bit of a mental block when it comes to Life insurance as an asset class, so it's always good to get to the other side of the story and broaden my perspectives a bit. Matt Golliher of Vista Investments on Life Insurance as part of your investment strategy. --- Support this podcast: https://anchor.fm/investinalts/support

Financial Advisor, Sarry Ibrahim Came Through To Teach Us About Money Making Money! 0:50- Think Like A Bank 2:00- Let's Learn About Money 3:20- Know Your Numbers! 5:30- Buy A House? 7:50- Net Worth Talk 9:00- Buying AI BOTS 11:45- Where To Put $20,000 13:45- LP vs GP 18:50- People You Know. 21:10- Cash Value Life Insurance?! People Die- So YEP 22:55- Talk 2 The Professionals 23:30- Changing Tax Laws In USA? 26:50- Save Some TAX CASH 29:15- Meeting In Person!

LifeBlood: We talked about how the ultra-wealthy, banks and corporations manage their money, the tax benefits of life insurance, how to close the wealth gap, and how to know if this option is a good fit for you with Sean Adams, President of Leveraged Life Management.  Listen to learn how cash value life insurance could be a good place to stash cash! For the Difference Making Tip, scan ahead to 17:32! You can learn more about Sean at Leveraged-Life.com, Facebook, Instagram, YouTube and LinkedIn. Learn more about Money Alignment Academy and bringing Financial Wellness to your organization.   We're honored to have been named one of the top podcasts for investing! We're on YouTube, check us out! George is honored to be included on Investopedia's list of the Top 100 Financial Advisors for 2020! Have George speak to your organization. You can learn more about the show at GeorgeGrombacher.com, Twitter, LinkedIn, Instagram and Facebook or contact George at Contact@GeorgeGrombacher.com.

Aaron Chapman, my mortgage lender, and client, and I discussed with our friend Nathan Hall at NORADA Real Estate, the power of combining High Cash Value Whole Life Insurance and Directly Owned Rental Real Estate. Highlights It’s important to surround yourself with like-minded people - 2:49 An ideal client for Gary - 4:44 The journey is where success comes from - 5:30 Make the world a better place - 6:19 The value of fixed interest rates - 8:21 About life insurance - 9:34 You need to protect your family from inflation - 12:19 Money is like a river - 16:00 Buying two more properties - 22:40 The impact of the death benefit - 23:40 Links and Resources from this Episode Connect with Gary Pinkerton https://www.paradigmlife.net/ gpinkerton@paradigmlife.net https://garypinkerton.com/ Connect with Aaron Chapman aaron.chapman@snmc.com https://www.aaronbchapman.com/ Connect with Nathan Hall nate@noradarealestate.com https://www.noradarealestate.com/ https://qjoinitiative.com/  

Today on The Wealth Secrets Podcast, Sean Adams talks to Lane Kawaoka, real estate syndicator and host of the Simple Passive Cashflow Podcast. Previously, he worked as a licensed engineer for 12 years. During that time, Lane started investing in real estate. As he grew his network, he eventually transitioned to multi-family real estate and syndicate investing. Now as a financial mentor, he helps his clients generate more passive income through high level investing. [02:22] Getting to know Lane Kawoaka [03:47] Residential Real Estate is Not Scalable [07:06] Grow Your Net Worth Through a Larger Network [10:14] Getting Started with Syndicate Investing [16:28] Where to Invest and What Markets to Focus on [19:51] Why Invest in Multi-Family Real Estate? [25:02] The Government Incentivizes us to Invest in Certain Places [27:18] Cash Value Life Insurance as Opportunity Funds [34:28] Returns and Appreciation from Syndicate Investing When Lane had a full-time job as an engineer, he invested in residential real estate for another source of cash flow. With the additional income, he started investing in more property. Eventually, he realized that investing in single family housing would be hard to scale due to the attention required to manage both the properties and the tenants. Through networking, he discovered the world of private placements and syndications. Syndications pool together investors in order to fund an investment. A general partner (GP) oversees the whole investment while limited partners (LP) are passive stakeholders. LPs do not have any risk of debt since the GP signs his/her name on the contracts. If you'd like to start investing as a limited partner, you need to know how to identify legitimate from bogus deals. A background in real estate is helpful but ultimately, your network will be your source for reliable information. Lane also advises LPs to invest no more than 5-10% of their net worth in a single deal. Links and Resources Lane's Website Lane's E-mail Connect With Sean: Facebook: https://www.facebook.com/profile.php?id=100060279543976 LinkedIn: https://www.linkedin.com/in/leveraged-life/ Instagram: https://www.instagram.com/sean_adams103/ Youtube: https://www.youtube.com/channel/UC0i91Q-fFy70LkaFxvfnGpg For more videos and resources, visit leveraged-life.com. Do you have questions and feedback? Get in touch with Sean Adams through his email: sean@leveraged-life.com. All shared information from the Wealth Secrets Podcast should not be taken as legal or financial advice. Please consult with a professional before making any decisions. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/wealthsecretspodcast/message Support this podcast: https://anchor.fm/wealthsecretspodcast/support

Today on The Wealth Secrets Podcast, Sean Adams talks to Lane Kawaoka, real estate syndicator and host of the Simple Passive Cashflow Podcast. Previously, he worked as a licensed engineer for 12 years. During that time, Lane started investing in real estate. As he grew his network, he eventually transitioned to multi-family real estate and syndicate investing. Now as a financial mentor, he helps his clients generate more passive income through high level investing. [02:22] Getting to know Lane Kawoaka [03:47] Residential Real Estate is Not Scalable [07:06] Grow Your Net Worth Through a Larger Network [10:14] Getting Started with Syndicate Investing [16:28] Where to Invest and What Markets to Focus on [19:51] Why Invest in Multi-Family Real Estate? [25:02] The Government Incentivizes us to Invest in Certain Places [27:18] Cash Value Life Insurance as Opportunity Funds [34:28] Returns and Appreciation from Syndicate Investing When Lane had a full-time job as an engineer, he invested in residential real estate for another source of cash flow. With the additional income, he started investing in more property. Eventually, he realized that investing in single family housing would be hard to scale due to the attention required to manage both the properties and the tenants. Through networking, he discovered the world of private placements and syndications. Syndications pool together investors in order to fund an investment. A general partner (GP) oversees the whole investment while limited partners (LP) are passive stakeholders. LPs do not have any risk of debt since the GP signs his/her name on the contracts. If you'd like to start investing as a limited partner, you need to know how to identify legitimate from bogus deals. A background in real estate is helpful but ultimately, your network will be your source for reliable information. Lane also advises LPs to invest no more than 5-10% of their net worth in a single deal. Links and Resources Lane's Website Lane's E-mail Connect With Sean: Facebook: https://www.facebook.com/profile.php?id=100060279543976 LinkedIn: https://www.linkedin.com/in/leveraged-life/ Instagram: https://www.instagram.com/sean_adams103/ Youtube: https://www.youtube.com/channel/UC0i91Q-fFy70LkaFxvfnGpg For more videos and resources, visit leveraged-life.com. Do you have questions and feedback? Get in touch with Sean Adams through his email: sean@leveraged-life.com. All shared information from the Wealth Secrets Podcast should not be taken as legal or financial advice. Please consult with a professional before making any decisions. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/wealthsecretspodcast/message Support this podcast: https://anchor.fm/wealthsecretspodcast/support

MY FIRM FORWARDED AN EMAIL FROM ONE OF OUR CPA PARTNERS - "WOULD YOU MIND HAVING YOUR LIFE INSURANCE EXPERT REVIEW THIS POLICY FOR ONE OF OUR CLIENTS. THEY NEED A NEW INFORCE ILLUSTRATION AND TO DO A POLICY REVIEW. OUR CLIENT IS AFRAID OF OUTLIVING HIS 2ND TO DIE POLICY WHEN IT EXPIRES AT AGE 92. THEY NEED TO KNOW WHAT THEIR OPTIONS ARE." LET'S TAKE CARE OF THE DETAILS FIRST. Thanks to the death of private pensions, the devaluation of Social Security benefits and other undeniable retirement factors such as inflation and increased taxes, America is now in a retirement income crisis. Kraig Strom, the host of Personal Pension Radio, is focused on helping you pack your bags for both halves of the retirement journey.  Kraig's mission is help you build & protect your wealth and lifestyle today and generationally. Along the way, Kraig is ready to assist with all matters related to your financial wellbeing as well as your business and family legal needs.  Optimizing Retirement income and protecting your legacy does not happen with a product. You must have an integrated approach. DISCLOSURE:  KRAIG IS THE INCOME ENGINEER BUT HE IS NOT AN ATTORNEY OR A CPA. KRAIG STROM IS A CERTIFIED FINANCIAL PLANNER PROFESSIONAL AND A PARALEGAL. PLEASE DO NOT CONSIDER THINGS ON THIS SHOW AS ADVICE. PLEASE SPEAK WITH A QUALIFIED CERTIFIED FINANCIAL PLANNER OR LEGAL PROFESSIONAL BEFORE MAKING ANY FINANCIAL or LEGAL DECISIONS.  

We always think we're overinsured. So when someone comes to us with another insurance product we automatically run, it's a natural reaction. But after reading Be The Bank, by Darren Mitchell, we realized we had been missing an interesting opportunity. On this episode of The Your Life! Your Terms! Show Darren explains how you can use life insurance to multiply your savings, your investing and grow your returns in ways we literally did not that were possible. You can learn more about Darren and his strategies by visiting www.ControlandCompound.com/rockstar

If you’re investing in an IRA, a 403b, a traditional 401(k), etc., it’s important that you understand the taxation on your savings vehicles, as well as develop a tax diversification plan.  Listen into this episode as we discuss how your taxes could be impacted under the current proposed tax plan, what an Index Universal Life insurance plan offers in comparison to other vehicles, and highlight the importance of working with an expert for your financial planning. Review the article mentioned in today’s show >>  Show Notes Intro (:00 – :35) Subscribe to Weekend Reading (00:50) This Week’s Article: Treating Cash Value as A Fixed Income Choice  Being Proactive with Tax Planning (2:15) Health Savings Account (HSA) (2:47) Capping Out in Your Investments (3:08) Taxes in IRA, 403b, or 401(k) (3:20) Concerns in Taxation (4:00) The Importance of a Tax Diversification Plan (4:20) Tax Proposal Bill Affects (4:48) Two Things That Increase a Deficit (6:25) You Should Be Fully Funding Your Roth IRA (7:24) IUL - Index Universal Life & Section 7702  (8:05) Attractive Attributes of an IUL (9:29) IUL as a Swiss Army Knife (11:05) IUL Changes in January 2021 (14:43) Grab Laura’s Financial Checklist Challenge at redefiningwealth.info/checklist or call 866-633-0955 to request the Financial Checklist Challenge!  Make sure you’re subscribed to the Weekend Read at redefiningwealth.info!  Principal Protection (17:26) Analyzing Risk Assessment (18:11) Investing in Bonds (19:00) IUL vs. Bond (19:44) Cash Value Life Insurance (21:00) Insurance Companies Can Purchase Bonds that Individuals Cannot (22:18) Defining the Purpose of Your Money & Plan (24:26) Feeling Comfort in Uncertain Times (24:58) Links redefiningwealth.info lswealthmanagement.com Call 866-633-0955 to Request the Checklist Challenge or Stress Test Text Knowledge to 474747

Kim and Spencer talk about the different regulations and protections that you get state by state, how you're more protected or less protected about cash value life insurance and whether your state protects you in case of a lawsuit.    Best-selling author Kim Butler and Spencer Shaw show you how to take more control of your finances. Tune in to The Prosperity Podcast to learn more about Prosperity Economics thinking and strategies today!Do you have a question you would like answered on the show? Please send it to us at hello@partners4prosperity.com and we may answer it in an upcoming episode.   Links and Resources from this Episode For resources and additional information of this episode go to http://partners4prosperity.com/category/podcast  https://assetprotectionsociety.org    Show Notes The protection percentage by state - 1:54 What happens if you move - 3:28 A story about protection and the state of Arizona - 6:56 Not liking the idea of retirement - 7:56 The Perpetual Wealth Book coming out - 8:47 “Think” as the first principle of prosperity - 11:15   Special Listener Gift Free eBook: Financial Planning Has Failed  Kim Butler's groundbreaking eBook/ audiobook explains why typical financial advice may be sabotaging your wealth... and what to do instead!    Review and Subscribe If you like what you hear please leave a review by clicking here   Subscribe on your favorite podcast player to get the latest episodes. iTunes Stitcher RSS

Today on The Wealth Secrets Podcast, Sean Adams talks about a daily financial activity that we don't rarely think about banking. He explains the way that banks make money and how we can use the same insider knowledge to increase our funds. Not only that, but this strategy is often used by the rich to protect generational wealth. [02:24] How Banks Make Money [05:18] Banks Only Invest in Safe, Convenient Opportunities [10:01] There are Better Ways of Storing Money [12:39] Remove Banks as Middlemen [14:54] Cash Value Life Insurance [18:31] The Problem with Traditional Whole Life Insurance [20:01] Unique Advantages of a Cash Value Life Insurance How Banks Make Money Banks make a profit by investing in financial opportunities using the pooled assets of their customers. Typically, banks do not like to take on risk so they rely on safe financial tools that guarantee a stable return. Banks get to keep the returns on their investment while the customers' deposits are returned in full, along with a small interest. Banks Only Invest in Safe, Convenient Opportunities Take a look at any bank's tier 1 assets from their balance sheets. Tier 1 assets are the funds that are allocated to the highest performing investments. Majority of the banks' resources are invested in bank-owned life insurance (BOLI). This is because life insurance policies have a guaranteed interest rate of 4-6%. To recap, banks are earning a 4-6% return from customers' money but are only returning 0.1% back in the form of interest. And yet, account holders keep coming back to banks for other services like loans or credit cards. A long term savings account only helps banks grow their own profit instead of your own. Alternative to a Savings Account It's been ingrained in us that we need to store our money in banks for safe keeping. But if you think about it, customers don't reap any benefits aside from the financial services that the bank provides. Banks continue to pool customers' deposits for their own investment. Now that we know how banks turn a profit, we can apply the same strategies to our own finances. Think of banks as middlemen. You can take them out of the picture by contacting an insurance company directly. One of the ways you can do this is by setting up a Leveraged Wealth Account that allows you to avail of a cash value life insurance policy. Book a free life insurance audit at leveraged-life.com. Don't forget to check out the available learning resources on the website. Do you have questions and feedback? Get in touch with Sean Adams through his email: sean@leveraged-life.com. Connect with Sean: Facebook: https://www.facebook.com/profile.php?id=100060279543976 LinkedIn: https://www.linkedin.com/in/leveraged-life/ Instagram: https://www.instagram.com/sean_adams103/ Youtube: https://www.youtube.com/channel/UC0i91Q-fFy70LkaFxvfnGpg All shared information from the Wealth Secrets Podcast should not be taken as legal or financial advice. Please consult with a professional before making any decisions. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/wealthsecretspodcast/message Support this podcast: https://anchor.fm/wealthsecretspodcast/support

Today on The Wealth Secrets Podcast, Sean Adams talks about a daily financial activity that we don't rarely think about banking. He explains the way that banks make money and how we can use the same insider knowledge to increase our funds. Not only that, but this strategy is often used by the rich to protect generational wealth. [02:24] How Banks Make Money [05:18] Banks Only Invest in Safe, Convenient Opportunities [10:01] There are Better Ways of Storing Money [12:39] Remove Banks as Middlemen [14:54] Cash Value Life Insurance [18:31] The Problem with Traditional Whole Life Insurance [20:01] Unique Advantages of a Cash Value Life Insurance How Banks Make Money Banks make a profit by investing in financial opportunities using the pooled assets of their customers. Typically, banks do not like to take on risk so they rely on safe financial tools that guarantee a stable return. Banks get to keep the returns on their investment while the customers' deposits are returned in full, along with a small interest. Banks Only Invest in Safe, Convenient Opportunities Take a look at any bank's tier 1 assets from their balance sheets. Tier 1 assets are the funds that are allocated to the highest performing investments. Majority of the banks' resources are invested in bank-owned life insurance (BOLI). This is because life insurance policies have a guaranteed interest rate of 4-6%. To recap, banks are earning a 4-6% return from customers' money but are only returning 0.1% back in the form of interest. And yet, account holders keep coming back to banks for other services like loans or credit cards. A long term savings account only helps banks grow their own profit instead of your own. Alternative to a Savings Account It's been ingrained in us that we need to store our money in banks for safe keeping. But if you think about it, customers don't reap any benefits aside from the financial services that the bank provides. Banks continue to pool customers' deposits for their own investment. Now that we know how banks turn a profit, we can apply the same strategies to our own finances. Think of banks as middlemen. You can take them out of the picture by contacting an insurance company directly. One of the ways you can do this is by setting up a Leveraged Wealth Account that allows you to avail of a cash value life insurance policy. Book a free life insurance audit at leveraged-life.com. Don't forget to check out the available learning resources on the website. Do you have questions and feedback? Get in touch with Sean Adams through his email: sean@leveraged-life.com. Connect with Sean: Facebook: https://www.facebook.com/profile.php?id=100060279543976 LinkedIn: https://www.linkedin.com/in/leveraged-life/ Instagram: https://www.instagram.com/sean_adams103/ Youtube: https://www.youtube.com/channel/UC0i91Q-fFy70LkaFxvfnGpg All shared information from the Wealth Secrets Podcast should not be taken as legal or financial advice. Please consult with a professional before making any decisions. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/wealthsecretspodcast/message Support this podcast: https://anchor.fm/wealthsecretspodcast/support

Lesley answers another question she often gets which is 'Who should have life insurance?'.  She covers who should have it and the process to get it.***Book Club: Join Rebel Rock Book ClubYoutube: Subscribe and get notified when we have a new video Podcast: Subscribe and listen The Rebel Letter: Subscribe to our weekly newsletterWebsite:  Learn more about Rebel Rock Wealth, our services, and upcoming eventsLet's Talk: Book your free Discovery Call  Rebel Rock Wealth | Financial Strategies for Independent Thinkers

Lesley explains what the Infinite Banking Concept is and how you can apply it to your personal or business finances to build and be your own bank.*NOTE - you might enjoy the video version of this episode where Lesley shares her screen as she walks through an example.***Book Club: Join Rebel Rock Book ClubYoutube: Subscribe and get notified when we have a new video Podcast: Subscribe and listen The Rebel Letter: Subscribe to our weekly newsletterWebsite:  Learn more about Rebel Rock Wealth, our services, and upcoming eventsLet's Talk: Book your free Discovery Call  Rebel Rock Wealth | Financial Strategies for Independent Thinkers

What is the Triple Advantage of MPI® and how does it actually work? I get asked this question often along with how can MPI® eliminate market risk and still produce better Compound Results over everything else? It is actually quite simple and I'm going to explain it right now.In the world of investing, there is a theory called the RISK/RETURN PYRAMID… This pyramid explains the levels of risk in various Compound Accounts. Futures are on the top, real estate and mutual funds are in the middle, and FDIC insured accounts and insurance investments are on the bottom. So in order to eliminate market risk, you must invest in the BOTTOM of the pyramid, things that have guaranteed security.One of the Compound account that has built in security is called a Cash Value Life Insurance Contract. But there is 1 problem, Cash Value Life Insurance, such as Whole Life, typically compounds very slowly, almost making it not even worth it… So how is it possible to securely and aggressively COMPOUND MONEY!Inside of cash value life insurance, you money is typically in an account called THE GENERAL FUND, the life insurance company's bank account, which has earned profit around 4-6% every year for like 100 straight years. DISCLAIMER *General Fund Annual Growth May Vary From Insurance Carrier to Carrier. Great Depression, dotcom, 2008, the General Fund still was profitable. The General Fund is considered one of the safest assets in the world. (Show the risk pyramid again) So if your money can make around 4-6% each year, something really cool can happen! I'm Curtis Ray, Always Be Compounding™!Website: https://mympi.com/Schedule A Call With An MPI® Specialist: https://calendly.com/mpi---- CURTIS RAY ON SOCIAL MEDIA ----TikTok: https://www.tiktok.com/@curtisrayFacebook: http://fb.com/iamcurtisrayInstagram: http://instagram.com/iamcurtisrayPinterest: https://www.pinterest.com/iamcurtisray/_created/Reddit: https://www.reddit.com/user/iamcurtisray

One day in January of 2014, my little brother, who is literally one of the smartest math nerds in the world, came to me and told me I was investing in the wrong places.  I immediately dismissed him and went my merry way. After weeks of hounding me, I decided to let him explain to me why my IRA and real estate portfolio were not the best place to put my money but instead, a correctly designed cash value life insurance. Up to that point I had never even considered it as an option, much less a good one. -- He went on to explain to me the pros and cons of life insurance, why the majority of them fail because of human greed, but if I was willing to understand their features, benefits, and design it to optimize the retirement income side, and minimize the life insurance side, they would outperform my IRA by up to 400%. 4X more retirement income on the exact same amount invested? I came to the sound, mathematically based conclusion he was 100% correct. It wasn't even debatable once I put my retirement plan side by side with his cash value life insurance plan.  I know what you're thinking; what did it he show me in this “correctly” designed cash value life insurance plan that caught my attention and ultimately converted me over? Listen and Find Out Why.I'm Curtis Ray, Always Be Compounding™!Website: https://mympi.com/Schedule A Call With An MPI® Specialist: https://calendly.com/mpi---- CURTIS RAY ON SOCIAL MEDIA ----TikTok: https://www.tiktok.com/@curtisrayFacebook: http://fb.com/iamcurtisrayInstagram: http://instagram.com/iamcurtisrayPinterest: https://www.pinterest.com/iamcurtisray/_created/Reddit: https://www.reddit.com/user/iamcurtisray

Would you like to see a Family Bank in action?  Today, Bruce and I talk with our friend and colleague, John Moriarty, Founder and President of e3 ConsultantsGROUP. You'll hear about his personal and business use of Infinite Banking, and the thinking behind a growing and evolving system of policies.  John is smart, business savvy, and a leader who walks the talk of thinking differently with his finances. And it's paying dividends – literally! https://www.youtube.com/watch?v=lNuuPfHW6Jg We invite you behind the scenes in this conversation with an entrepreneur who is using and loving their system of whole life insurance policies for the past 11 years. You'll find out exactly how and why this wealth creator is funding and using cash value life insurance on the regular. And you'll witness the opportunity created by this method of cash flow management so you can use family banking to store cash reserves. Tune in now! Table of contentsIn This Episode On Family Banks with Cash Value Life Insurance, You'll Find Out:Where A Family Bank Fits into Your Cash Flow SystemFamily Bank (Behind the Scenes)Breaking into FinanceThe Stock Market AppealA Family Bank PaysInfinite WealthMindset and Money HabitsDon't Fear LoansAbout John MoriartyTake the Next Step with Family BankingBook A Strategy Call In This Episode On Family Banks with Cash Value Life Insurance, You'll Find Out: Why people with good money habits are frustrated and feel forced into the stock market. And the solution to your problem!Why understanding the purpose of your money is more important than learning how a financial product works.How a Family Bank optimizes your economy, gets your money doing multiple jobs, and reduces your opportunity costs.A look at the most important component of Privatized Banking: how you want to use your money.What this wealth creator is investing in, and why. Where A Family Bank Fits into Your Cash Flow System A Family Bank Strategy with Specially Designed Life Insurance Contracts (SDLIC) is just one step in the greater Cash Flow System. It fits into Stage 2, a part of keeping and protecting your money.  We said before that Privatized Banking is like the peanut butter to your cash flow sandwich.  It's wedged between Stage 1 – keeping more of the money you already make – and Stage 3 – increasing your cash flow from investments. And it helps you do everything else better. Privatized Banking increases your financial efficiency, enables you to keep more of what you already make, amplifies your cash-flowing asset strategy, and accelerates your time and money freedom. Privatized Banking is the how of keeping and protecting your money.  And specially designed life insurance is the what. Family Bank (Behind the Scenes) As an entrepreneur with several businesses, privatized family banking strategies are a generous part of John Moriarty's practice—personally and business-wise.  5:20 “I wouldn't call myself a visionary…I'm blessed, in that I find myself surrounded by really smart people in a lot of instances. And I gravitate to those types of people. What I try to do is basically garner as much knowledge from them as possible, figure out ways to give back to them, and then take what might seem like complicated processes and try to simplify them…When I see something that works, I don't deviate from it…and if there are ways to improve that process, absolutely.” One of the foundational missions of John's business is to awaken the entrepreneur within and teach these foundational strategies. A Family bank is a way to have your money working for you in more than one place.  Breaking into Finance John's pivotal shift into the world of finance happened in college. He realized that he likely wouldn't be continuing to play baseball and set his sights elsewhere. So he began an internship in the financial sphere.  He spent the first eight years of this career path supporting other advisors,

Kim and Spencer talk about what the difference is between guaranteed and non guaranteed cash value life insurance. You'll learn how this affects you and your family's finances. Best-selling author Kim Butler and Spencer Shaw show you how to take more control of your finances. Tune in to The Prosperity Podcast to learn more about Prosperity Economics thinking and strategies today!Do you have a question you would like answered on the show? Please send it to us at hello@partners4prosperity.com and we may answer it in an upcoming episode.   Links and Resources from this Episode For resources and additional information of this episode go to http://partners4prosperity.com/category/podcast    Show Notes How to understand this - 1:25 The future projection of payments of dividends - 2:10 Dividends are not guaranteed to be paid - 3:33 Using the Truth Concepts Software - 4:38 What happens when a dividend gets paid - 6:57 The whole idea of financial planning - 9:39 What requires life insurance - 10:22 Encourage people to move forward - 13:43 A guaranteed and non guaranteed rate - 14:43 What's the guaranteed cash value? - 15:27 Kim talks about her book and why you should read it - 16:59   Special Listener Gift Free eBook: Financial Planning Has Failed  Kim Butler's groundbreaking eBook/ audiobook explains why typical financial advice may be sabotaging your wealth... and what to do instead!    Review and Subscribe If you like what you hear please leave a review by clicking here   Subscribe on your favorite podcast player to get the latest episodes. iTunes Stitcher RSS

Cash Value Life Insurance—Keeping Business Dreams Alive Episode 75 - Cash value life insurance can help you weather personal and business storms. Just look at the stories of these famous entrepreneurs: Walt Disney, Ray Kroc, Max and Verda Foster, and Doris Christopher, and how cash value life insurance saved their businesses and dreams. Transcript of Podcast Episode 75 Download The Transcript/Flyer More SML Planning Minute Podcast Episodes Search for: Company News CategoriesCOVID-19 (coronavirus) Information All News & Articles SML Planning Minute Podcast Estate Planning Personal Planning Retirement Planning Social Security Planning Asset Protection Business Planning Chronic Illness College Planning Key Person Protection

Cash Value Life Insurance Can Provide A Safe Harbor in Today's Economic Storm. Money Not Math 75. Why we do what we do is more important that what we do. So, even though it pains me to talk about a specific “what” or tool that is used in planning. I believe this conversation is a valuable one for people who value liquidity, use and control of their money when planning for their future. No product, tool or strategy is good or bad until compared to its alternative. YouTube: https://youtu.be/GwA3BKyhLwY To clarify/correct myself in the video, the Minnesota Life & Health Insurance Guaranty Association guarantees $500,000 life insurance death benefit per insured, $130,000 life insurance net cash surrender value per insured life, and more as you can find at https://www.mnlifega.org/FAQ/Print Article referenced= https://www.forbes.com/sites/forbesfinancecouncil/2020/04/29/cash-value-life-insurance-provides-a-safe-harbor-in-todays-economic-storm/#33fbab946ba3

Mark Willis is a man on a mission to help you think differently about your money, your economy and your future. After graduating with six figures of student loan debt and discovering a way to turn his debt into real wealth as he watched everybody lose their retirement savings and home equity in 2008, he knew that he needed to find a more predictable way to meet his financial objectives and those of his clients. Mark is a CERTIFIED FINANCIAL PLANNERTM, a two-time #1 Best Selling Author and the owner of Lake Growth Financial Services. Today he shares some strategies he uses to help his clients get double returns buy purchases real estate through a dividend paying overfunded cash value life insurance policy.    This podcast is edited and managed by Derrick Michaud Shelby Row Productions, LLC www.shelbyrowproductions.com

Schedule your 15-minute call with Anthony or Cameron here:    https://calendly.com/infinitewealth/15mincall Check our on-line course at www.InfiniteWealthCourse.com    In this episode we interview Blake Johnson, Managing Member of Trusted Estate Planning Attorneys. He shares his insights on Nevada Law in regards to Business and Estate Planning as well as his reasons for practicing the Infinite Banking Concept. Here are the list of topics covered in this episode:    Is estate planning only for wealth people?  Ways to avoid probate court  Difference between a living will and a trust  Two main reasons in determining whether you should have a trust or not?  Guardianship over minor children  Life Insurance and Trusts – Should my LI policy be owned by my trust?  Which is best to have as my beneficiary: A trust or an individual?   Estate planning through the ages  How does the level of creditor as well as asset protection of cash value life insurance in the state of Nevada compare with other states?  Nevada Asset Protection Trust: “untouchable for spousal support and child support  Rental Real Estate: Should it be owned in a trust or an LLC?  What is a Series, LLC and should real estate investors use one?  Downside of using a Series LLC?  If I finance a house in my personal name can I move it into an LLC?  How his internship at NW Mutual introduced him to the financial industry and how this played into his decision to practice the Infinite Banking Strategy.     Resources:  Blake's website: https://trustedepa.com/  Blake's Podcast Link: https://trustedepa.com/podcast/  Blake's Book: https://www.amazon.com/You-Cant-Take-Planning-Questions/dp/1544707096  Your cash value is protected in Nevada SB348: https://www.leg.state.nv.us/Session/76th2011/Bills/SB/SB348.pdf  List of asset protection by state for Cash Value Life Insurance: https://www.actec.org/assets/1/6/Survey_of_Asset_Protection_Techniques.pdf  Tax Free Wealth by Tom Wheelwright, CPA: https://www.amazon.com/Tax-Free-Wealth-Permanently-Lowering-Advisors/dp/1937832058  The Obstacle is the Way: https://www.amazon.com/Obstacle-Way-Timeless-Turning-Triumph/dp/1591846358   

Episode #63 of YouTheReal Show, In today's episode I am answering to Mr. Sharad Gupta He wrote me | what is cash value life insurance| what is cash value in life insurance| I had mentioned all details in this episode in very easy language, To know all detailed information do Listen this podcast Episode till the end and I hope you find some value out of it. Keep asking the question it'll really helpful for all YouTheReal family members. You can send me your question on Instagram and Facebook by below link ⤵️ ⤵️ I love to hear you INSTAGRAM : - https://www.instagram.com/youthereal007/ , Facebook:- https://m.facebook.com/pg/YouTheReaL.info/reviews/?ref=page_internal&msite_tab_async=1 , Who is AmitRaj Sharma? A helping man who is behind YouTheReal and working happily continuously since class 6th and always love to help people with his Real Life Solution & Realistic Motivational approach (startups, Sales Training for Products & services, individual personality growth, Insurance & Financial Planning) as per person NEED And Never afraid of failure & because he strongly believes in Learn & Grow. --- Send in a voice message: https://anchor.fm/youthereal/message

At the core of the practice at Uncommon Wealth Partners is what they call the Seven Sources of Residual Income. Without a doubt, that's something we would all love to know more about. The first source of this residual income is one you might find uncommon – and has to do with the principles of banking. In this episode, Phillip and Brian go in depth on a banking strategy involving insurance – and using cash value to the maximum advantage. When they first present this idea to clients, many want to fall asleep or run away – but when you understand the uncommon good sense of this tool, you will definitely want to know more. Listeners will learn more about cash value insurance, how to think like a banker, and how to structure a policy to your maximum benefit. This episode will be truly eye-opening. What you'll learn How banking can be a source of residual income Understanding that “banking” boils down to the movement of money Why you should think of cash value life insurance as “uncommon banking” How the environment this uncommon banking creates allows you to leverage your money How a guy named Nelson Nash got the ball rolling using insurance for uncommon banking How to put your banks, insurance companies, and investments to work for you and not the other way around What a young Walt Disney did with a loan against his whole life policy How to structure a policy and payments to maximize what you can do with that money How to start thinking like a banker rather than a consumer Limitations of a Roth IRA compared with cash value life insurance The environment that it creates is what we're after, not necessarily the product. It's about creating a way to move and manage money. That's what we want to get into today is cash value whole life insurance. – Brian Dewhurst You're saving money and you're paying off a debt. All the while, that money is still on deposit earning a higher interest rate. It's a mind shift. You've got to start thinking like a banker instead of consumer. – Phillip Ramsey Golden Nuggets “Banking at the core is just the movement of money through your economic engine.” Brian Dewhurst “Banking is essential to understand. Most people don't understand it. With that said, banking is comprised of multiple strategies or sources. Insurance is one of those strategies ” – Brian Dewhurst “A typical whole life policy won't break even until you're 13 to 17 years into it depending on the carrier, and there's usually zero cash value in the first 3 years or so. We advise trying to buy the least amount of death benefit for the most amount we can put in. That gives you the most cash value to work with.” – Brian Dewhurst “This is the key to the whole uncommon banking concept: If you take one thing away from this, I think it's this point. Your money is always on deposit for the rest of your life” – Brian Dewhurst “When we put this money into a policy, our number one objective is, ‘What are we doing with that cash value in that policy? What do we have access to? And what can we shore up for our clients?'” – Phillip Ramsey “What we try to really show people is that cash value life insurance has the same tax structure as a Roth IRA, without all the limitations.” – Phillip Ramsey “Don't stop paying the premium. That's what Brian and I will always talk about. I think that's what differentiates us. We want you to keep funding this thing because it's just going to keep getting bigger and bigger.” – Phillip Ramsey “You want to look for this type of insurance product from mutual owned companies, rather than publicly traded. That puts you as a policy-holder first, rather than some random shareholder.” – Phillip Ramsey

https://www.youtube.com/watch?v=CI2eDBJqyHY Jimmy Vreeland is maximizing his real estate returns by using the premier financing strategy of the wealthy. As stand-alone tools, both real estate and high cash value life insurance are top-notch.  Their powers of cash flow, appreciation, equity, leverage, tax advantages, and a hedge against inflation are unrivaled by any other product.But when you combine these two high-quality assets together, your money does two things at the same time.  This gives you an unfair advantage parallel to none. If you're a believer in one or the other, see how using these two assets symbiotically will supercharge your results. Table of contentsWhere Real Estate Returns Fit in the Cash Flow SystemTwo Starting Points to the Same BridgeThe Advantages of Real Estate ReturnsThe Beginnings of a Real Estate Lease Options EmpireProviding Value to Tenants and InvestorsA New Lease on Life for TenantsReal Estate Returns (Cash Flow) for InvestorsLife Insurance: A Parallel AssetSatisfying the Investor's Need for LiquidityThe Advantages of Cash Value Life Insurance as a Funding Source to Boost Real Estate ReturnsPlugging the Two Assets TogetherStarting with Life Insurance and Adding Real Estate ReturnsStarting with Real Estate Returns and Adding Life InsuranceFind out More in the PodcastPodcast ResourcesLearn More About Privatized BankingCreate Your Time and Money Freedom Where Real Estate Returns Fit in the Cash Flow System We love cash flow.  Cash flow today is the stepping stone for cash flow tomorrow. In the Cash Flow System, you first increase cash flow by keeping more of the money you make.  Then you protect your money.  Finally, you increase and make more. Investing is part of stage 3.  Building a cash-flowing asset portfolio of real estate and business accelerates time and money freedom. Two Starting Points to the Same Bridge You may be starting from one pillar or the other. On the one hand, perhaps you have cash value life insurance.  You want more than just to let the money sit in the policy.  You're asking: How can I use my cash value life insurance to invest in cash-flowing real estate to accelerate my financial freedom? On the other hand, perhaps you are a real estate investor.  You want to finance most efficiently to increase your gains.  You're asking: How do I amplify my real estate returns, by financing through cash value life insurance? We found no one better to help you understand this strategy than Jimmy Vreeland.  He's a real estate investor who is exploding his real estate returns by building a bridge between these two assets. Jimmy Vreeland is a passionate real estate investor who is helping other investors to reap the rewards of real estate investing. The Advantages of Real Estate Returns Jimmy Vreeland was an Army Ranger and US military officer who read Rich Dad, Poor Dad while he was in Afghanistan. He realized that he wanted to create systematic, scalable wealth through cash flow in a low-tax environment. He wanted an asset that he controlled, where he could build wealth by creating value instead of gambling through investments on Wall Street. All the indicators pointed to real estate. Consequently, he bought his first property in 2006 and began adding one property per year. The Beginnings of a Real Estate Lease Options Empire In 2014, Jimmy Vreeland and Bob Scott, both former US Military officers and Academy Graduates, partnered to create Joint Ops Properties. To capitalize on unique opportunities in the US Real Estate market. Joint Ops is now a leader in lease option investment properties.  They have decades of combined experience behind them, with an emphasis on the St. Louis area. Joint Ops Properties has been able to secure over 160 distressed properties. AND another 40 turnkey properties, often at just 30 to 40 cents on the dollar.  Joint Ops currently focuses on single-family homes and tenants seeking ...

Look What The Banks Are Doing, Not What They Want You To Do. As always, if you are reading this from your Smart Phone App, go to "Extras" to access any of the  links that are mentioned below.  If you haven't done so yet, be sure to check out the following broadcast: Think and Operate Like a Bank and How Banks Make Money This week David talks about one an asset that banks hold billions and dollars of dollars in. In fact, in a recent period, banks bought up over 40-billion dollars in this asset. What is it you may ask? Banks own billions of Dollars in BOLI's (Banked Owned Life Insurance). The largest banks currently own up to 25% of their safest assets (Tier-One Capital) in Cash Value Life insurance. It's very telling when you study the balance sheets of the very financial institutions who advocate that the average investor on main street speculate with their life's savings while they in fact do the exact opposite. For instance, in a recent 9-month period, Citibank bought up over 1-billion dollars in Cash Value Life Insurance to add to their investment holdings. During this same time period, do you know what Citibank's wholly owned subsidiary was advising their clients when visiting their website? "Buy Term and Invest The Rest" (speculate). This is only one of many examples of the hypocrisy that exist by the Big Banks who own the Major Wall Street firms. Much of this information can be validated by the research of our good friend Barry Dyke and his book: The Pirates Of Manhattan.  An industry doesn't buy over 40-billion dollars of something that is bad for them during during a shaky economy. David mentions a few of his recent Show: You Can't Spend Average, The Great Wall Street Retirement Scam David extensively talks about a Forbes Article: The Real Cost of Owning Mutual Funds Stop and read this article. It's well worth it if you have every owned a mutual fund. Stay tuned, next week, David is going to break down the numbers behind properly structured cash value policy vs. an alternative market-based investment and how it would realistically performed in comparison to an actual cash value policy. Study the facts and get informed. Those who would have you believe that a cash value policy has no place in your life have ulterior motives. Don't just listen to Wall Street and wand what their advisors are advocating. Studying what they do is more revealing of the truth. Wall Street does NOT want informed people capable of critical thinking to make important financial decisions with regard to their savings. Don't just take our word for it, do your own research. Listen in to find out why what you thought to be true about Life insurance is not true. It's not just about the death benefits. When you work with someone who understands how to properly structure an over-funded cash value policy, you will come to realize like the banks have that this is one of the most powerful asset classes that can help you weather the upcoming financial storms.  Till Next week, you can go to: 10MinuteLessonOnLifeInsurance.com  Also See: An Economic WorkHorse