life insurance

Here’s the #1 piece of advice I’d give my 20-year-old self to lead a fulfilled and purposeful life. Discover what truly matters to you and forge your own path. I call it Blueprint. By deeply understanding what resonates with your core, you gain: Clarity Confidence Empowerment Never settle for “this is the way it has…

Whole Life Insurance: Borrow vs. Withdraw – Which Option is Right for You? As a real estate investor, I prefer borrowing against my cash values. Let’s break down the pros and cons of each option (not exhaustive): Borrowing: Pros: Flexibility Skip underwriting Policy growth continues Avoid taxes or penalties Cons: Lower death benefit Compounding loan…

How can I improve my ability to adapt to changing markets? By following this simple yet often misunderstood principle. I’ve been helping my teammates understand and apply it for a decade. Every asset purchase you make is a money-storage decision. Guided by this principle, here are some of the asset characteristics I seek: guarantees volatility optionality…

Why does where you store money matter more than picking great investments? I’d be much better off had I known the answer 20 years ago. I would have: Kept more of what I earned Had alternate financing sources Been ready for more opportunities I would have been more resilient. How much thought do you put into…

You don’t need life insurance to leave behind a legacy. Why? Legacy isn’t about: • You • Money • Arrogance It’s not about making others think that you were some great person and did all this amazing stuff while you were alive. Legacy is about: • Making others better • Caring for your loved ones…

What’s The Ultimate Financing Solution For Real Estate Investors and Entrepreneurs? I had an interesting conversation with a fellow real estate investor the other day. He was trying to secure a HELOC on one of his properties. Unfortunately, he was running into trouble because of his recent switch to self-employment. While he has a lot of equity…

Is Infinite Banking (IBC) the right fit for you? I’ve been using whole life insurance to preserve capital, build alternate sources of financing, and be more resilient for about a decade. In helping others do the same thing, I’ve learned to recognize when someone isn’t ready to move forward with IBC. Here are 3 common…

How does a strong team make you more resilient? I’ve been on one team or another for most of my life. The best teams know their mission and core values and consist of teammates who: • know their role • hold the rest of their teammates accountable • pick each other up when need be You know…

How does truly understanding your long-term vision bring peace? If you aren’t sure why you are doing something or if it fits in with how you envision yourself, take a pause. Think about it some more before you jump in. If we’re in the middle of the application process for a life insurance policy and a…

Have some bad habits you want to extinguish? “…therefore, if you want to do something make a habit of it, if you don’t want to do that, don’t, but make a habit of something else instead.” –Epictetus Epictetus was a journaler.  Check out this article from The Daily Stoic that details the value of keeping…

Life will knock you down. What helps you bounce back when that happens? Resilience is the ability to bounce back when life knocks you down. It’s the ability to keep fighting through all types of circumstances. The resilient person knows what is in and out of their control and focuses on the former. They focus on their responses and…

As with most financial questions, the answer to this one is, it depends. Each military retiree’s situation is different. SBP can be especially beneficial for those who find themselves otherwise uninsurable. For those who are in good health, a life insurance alternative may be the answer. It is important to review your post-military retirement goals and…