Secure your legacy and protect your wealth outside of Wall Street

The Borrower

Does this cycle look familiar?


You take out a loan, you slowly pay it back, once it’s paid off or close to being paid off you take out another loan. Unfortunately this is a cycle many American’s find themselves in. They are in a constant cycle of debt owned by banks and other financial institutions. They have payments every single month going to someone else with a ton of interest! Think about all the interest you pay to a bank throughout your ENTIRE lifetime on loans. Is it $5,000? $50,000 ? $500,000 ? Maybe….$5,000,000 ? Now think long term, how much interest will your entire family pay to a bank or lender in the next 200 years of your family with this cycle? It’s pretty crazy right? What is even crazier is when you factor in the opportunity cost of that interest your family will pay. While this cycle seems hard to get out of, it is possible and there are more efficient ways to management your capital and make purchases.

The Saver

Maybe this looks more familiar to you.


Cash is King right? You save up money and then you deplete your savings to buy something with cash, then you save it back up and then you deplete it again and you live in this cycle of saving and spending. While this method does save you money on interest paid to a lender, you still miss out on the massive opportunity cost of that capital when you spend in cash. Every purchase you make costs you interest whether in the form of interest paid to a lender, OR Interest you could have earned on that capital (opportunity cost). See what the borrower and saver have in common? They both end at 0. I know it feels good going into a car dealership as a strong, superior cash buyer, but what If I told you that is not the most efficient way to purchase a liability? Think about it, if you spend $30,000 cash on a car, that is $30,000 less you have earning you interest for your entire life, and if passed on correctly, for your children’s lives, and their children’s lives etc. (hence endless legacy) Let’s assume just 5% interest, a $30,000 car purchase with cash has a lost opportunity cost of $181,000 over a 40 year period. If this wealth is passed on correctly, that $30,000 cash purchase has a 100 year opportunity cost at 5% of $3,900,000! Doesn’t feel so good making cash purchases now does it ?

The Producer

The third way to spend money is what we call the producer.


This person builds the most wealth and efficiently spends their capital without losing opportunity cost of their dollars. The producers collateralizes an asset (we recommend high cash value whole life insurance) THEN makes the purchase with a loan and repays the loan. By spending money this way we are able to keep our dollars growing and compounding even after they’re spent.
This works for buying both assets and liabilities.

If you use this method to buy assets, your dollars can grow and work for you in 2 places at once. If you use this method to buy a liability you do not lose that massive opportunity cost we saw in the saver method. This is the strategy the wealthiest families on earth have mastered. Think long term, think about how this can be used for your entire lifetime, think how you can pass these strategies and principals down to children and change the entire trajectory of your family. These loans can be used for anything, rental properties, other assets, a wedding, a car, college, vacation…anything and you can sleep at peace knowing you did not lose the opportunity cost of your capital.

Why Life Insurance?

I thought Life Insurance was terrible?

Life Insurance is a terrible place for you to position your capital…….terrible for Wall Street!

All joking aside, Life Insurance is a very misunderstood product to the average person and even misunderstood to many financial professionals yet it has been around for centuries and it is used as a tool by banks, corporations, family office’s, and ultra high net worth families. Although only popular among them, it is not exclusive to them, anybody can utilize life insurance as a tool! This misconception of whole life insurance being a bad place to store wealth is just that, a misconception. Study any ultra high net worth family and you will see massive amounts of life insurance within their strategy. Look at a balance sheet of all our major banks and see where they position a large amount of their Tier 1 Capital….it’s held in properly designed life insurance policies! Now this is not tos ay that life insurance is an Investment. Life insurance is not the one all be all investment, actually its not an investment at all. Life insurance cash value account is a savings alternative. The benefit is that savings can be used to fund your investments through policy loans.

Most people hear life insurance and just think death benefit. While Life Insurance Contracts do have a death benefit, they have many living benefits too…if designed correctly. This is where the misunderstanding ties in.


There is a MASSIVE gap between how the general public is sold life insurance and how the producers are sold life insurance.


The producers life insurance is designed for living benefits, not solely death benefit. One of the living benefits of a life insurance contract is a cash value account. If designed correctly with the right carriers, Cash value is paid a guaranteed interest rate by the insurance carrier, plus a dividend; both tax free! Another useful benefit of being a policy holder is you have the ability to collateralize your cash value and borrow money from the insurance carrier at any time, with no credit pull, no tax returns, no stated reason for the loan….and the payment schedule is up to you! This is why the wealthy use this tool.


In the “Producer” image above we already discussed why we want to spend money this way but that leaves us with a question of what asset can we collateralize to do this? Real Estate? Stocks & bonds? Gold & Silver? Yes you can get a line of credit secured by these assets and do this HOWEVER there is more risk and less control with those assets.


Real Estate, securities and commodities can go down in value, causing a margin call. These loans or lines you take can require credit pulls, tax returns, minimum payments, and mandatory monthly payments. These assets could work but they do not offer the same type of guaranteed features, loan requirements, & control that a specially designed whole life insurance policy can offer.