Alright. Cool. You made it here. In this video, I figured we get to know each other a little bit better, and I'm gonna show you exactly what we built for a couple out in Texas. And the goal for this whole video is to help you see what it might look like for you because sometimes you may or may not know what questions to ask. So as we go through this example, I want you to be thinking about what's possible for you. So don't take their numbers and their situation and automatically apply it to you. Focus on the use case. Like, how can you use this as a better place to grow your money where you can use it without getting taxed to death, whether it's becoming your own bank or building generational wealth. So you wanna look at it through that lens. And at the end of this video, if it's something that you actually wanna do, then I can show you what it looks like to work with me and my team. Alright. So let's go ahead and hop into it. So this is Dylan and Amelia, the three moves in action. Alright. Now Dylan and Amelia, they're, like, thirty four years old, maybe thirty five years old at this point. They're in Texas, and Dylan is originally he's an immigrant, so he's not even from this country. But both him and his wife, they work in construction and property development. Dylan is the one, you know, traveling all over the place, doing all the projects where Amelia is down to finances and the operations. And they got a young daughter named Zelly, and they're planning on growing their family together. Both of them combined are clearing well over six figures. And when we initially met, they had about seventy thousand dollars that was just in cash, and that cash was emergency fund money. And they were thinking about taking about twenty five thousand of that and then using that to set up the policy. Now before Dylan and Amelia sat down with me, here's what their financial picture looked like. So the problem was they were making good money, but they couldn't figure out a better place to grow it and use it. The cash flow for the business was up and down. They need a little bit more certainty there. Combined household income, they were bringing in about fifteen thousand dollars a month. They had a lot of money sitting in a four zero one k that they couldn't touch without taxes or penalties, but then they also had an emergency fund. They had about six months of just cash as a buffer for business or personal expenses, and it was just sitting in a a high yield savings account. They already had an idea that they wanted to become their own bank. They wanted to replace the four zero one k with something that they could actually use right now. They wanted a generational wealth vehicle for Zellies to pay for college or start a business or even put a down payment on a house. And in their words, they just wanted a better saving strategy than their four zero one k. They wanted to use their policy as their own banking system for personal and for business expenses. So that's what we ended up doing. We actually were able to set up this strategy for them to where they're not just gonna take the money that they plan on saving. We're gonna take the money that they were already saving, plus we're gonna combine that with some bills and expenses on the personal and business sides that they were already paying, and we're gonna flow that through their own private banking system or their own private banking system or money model, what have you. And to show you what that looks like, I just wanna walk through the cash flow road map. Because as we start looking at the numbers, I want you to know exactly kinda like what what we're looking at. Okay? So the first thing that's gonna happen is this premium is gonna go in. Dylan's gonna take the money he was already planning to save, plus the money he was gonna invest, and even some of the money that he was gonna spend on the business and personal expenses. And instead of just spreading it across a bunch of different accounts, he's gonna put it all into one place, his policy, and that's gonna be the premium. Okay? So it's not extra money. It's just money that he was already gonna use anyway, and we're redirecting that through his own private system first. Once that money goes in, it's gonna do three things. The first thing that it's gonna do is protect his money because the principal is guaranteed as well as any interest that he earns is guaranteed. The second thing that is gonna do is protect his income because if he passes away for any reason from day one, Amelia and Zelie is gonna get a seven figure check. Number three, the interest in his policy will be tax free, and on average, it pays out about eight percent a year. Some years it's more, Some years, it's less, but it'll never be less than zero. He'll never lose any principal or interest based off the market crashing. And what market? S and P five hundred. That's how the that's where that interest is coming from in case in case you were wondering. Now after that money is in there, we're gonna borrow the cash value. K? So he's gonna use his policy's cash value, take loans at a rate of no more than five percent. He borrows to invest or pay everyday personal or business expenses. Then we move on to step four. We profit from the difference. The difference being what? And this is where it clicks for a lot of people here because if he's borrowing at five or less on his money because the rate can be less than five, it's generally between three and five percent. That means his money is earning an average of eight. That's a three percent difference. That's his to keep. And so the three moves, buy, borrow, repeat. We buy the policy, buy the premium going in. As that premium goes in, we'll earn interest on it. You know, some years will be more than others, but we don't lose principal. We borrow against the cash value while this money is still in here earning interest, and then we profit from the difference. That's the whole buy, borrow, repeat strategy. So now that you got this, I wanna go ahead and just pull up Dylan's policy so we can walk through line by line, and you can see what this looks like over the thirty, forty years that he has this policy. Alright, guys. So this is what we call an illustration. So all an illustration does is it gives us the ability to see what this plan can look like in the future based on all of the money that you put in, all of the money that you take out, all of the costs that are associated with the insurance, like, the charges of the policy, the interest, but everything. So for context, this is not an actual, like, guarantee where you put in exactly this amount of money. You're gonna get exactly this amount of money. But it is a very accurate projection on what it could look like based on hundreds of years of data. Hopefully, that makes sense. Now the way we're gonna read this chart is gonna be top to bottom, left to right. We got this first column. This is premium going in, and then we got money coming out. That's loan. So let's just imagine for one second that the bank account was right here. Dylan is gonna be putting in premium, as he's putting in premium, he's gonna be pulling out loans. Alright? And in this this column right here is the difference or the savings. Alright? Now what I forgot to mention was that when I met with with Dylan, Dylan had twenty five thousand dollars of money that he wanted to put in as a lump sum into the policy, and he had four thousand dollars a month that he wanted to save in this policy. So this is the number that we wanna actually focus on is how much money is is he actually leaving in the policy that he's not basically touching. Now a couple of other things I wanna highlight here is the account value. So this is the premium he paid minus the cost of the insurance, and that's the insurance policy or the insurance amount over there, so about eight hundred thousand dollars there. We have the loan balance at five percent, and then this column is the available loan. So we're gonna go year by year. Now first year, he drops in fifty thousand. Right? And we're actually gonna do this all at once. So he puts in fifty thousand right away, and immediately he pulls a loan of twenty five thousand, leaving twenty five thousand as the savings for the first year. Now if we look at the account value, you'll see that there's four thousand four hundred and nineteen dollars of account value because that was the premium of fifty thousand that he paid minus the charges for the insurance policy plus his six percent interest. So this is what he has net after putting in that fifty thousand dollars Now here's where the magic happens because even though he took twenty five thousand out as a loan, and as you can see here, the twenty five thousand at a five percent rate, he has a balance. He would owe the insurance company twenty six thousand two hundred and fifty dollars. Are you tracking that? Good. So he's earning interest on this total amount here, the total amount, and then he would be paying interest on this amount. Alright? And then this would be the difference between what he has in his account and what he owes the insurance company, that's available money. That's what he's gonna do in year one. Now in year two, we put in another fifty thousand dollars but this time we're not putting fifty thousand dollars in all at once. We would actually be putting in fifty thousand dollars throughout the year while also taking out approximately forty thousand dollars throughout the year, only leaving in ten. Alright. So did you catch that? We put in fifty, borrowed against forty, only saved ten. Okay? We only saved ten here. So our total through the first two years is thirty five thousand. But even though we only put thirty five thousand in the policy, he's earning interest on ninety two thousand dollars. And then the loan balance increases because we borrow more money and then we still have twenty two thousand available right there. Now, this is what I wanna point out here because earlier I mentioned that when you borrow against an insurance policy, the death benefit repays the loan. So it's not you don't necessarily have to pay that loan back during your lifetime. Right? The death benefit can cover that. And so that's why you see the death benefit actually reducing right there. Okay? Now with that being said, we're gonna follow the same flow each year, every year. Alright. So we're just putting in fifty thousand a year, every year. And then once we get to year eight, and this trips out people a lot. Remember, this is the money going in, and this is the money coming out. So in year eight, he puts in fifty thousand, and then he borrows fifty thousand. Year nine, he puts in fifty thousand and borrows fifty thousand. So his out of pocket goes to zero. Alright? So his total amount of money that he would have basically saved in the policy at this point in time would have been eighty five thousand, but he's earning interest on over four hundred thousand dollars at this point. Are you seeing that? That's what he would be earning the interest on. Now there would be a loan balance of three eighty nine. This is what he would owe, but there's still a difference of fifty six thousand of net cash This is net equity that he still has access to to be able to leverage against. Alright. Now we're gonna move on because all we're gonna do is keep doing this fifty thousand a year all the way until he turns age fifty five. And then at age fifty six, what do we see now? No premium being paid, but still seventy thousand dollars coming out. How are we able to do that? How are we able to get still get seventy thousand dollars out of this policy even though we're not paying any money in it? Well, it's because at this point in time, he's earning interest on over two million dollars. What's happening here is all of this money that Dylan has been putting into this policy, even though he's pulling these loans out, he's still earning interest on it. So when it's time for him to stop paying premium, and he could continue paying his premium for the rest of his life if he wanted to, but because he's been paying into this thing, now we're talking about seventy thousand dollars a year in tax free income from age fifty five all the way through age ninety five. So a quick recap, if he would have put in eighty five thousand eighty five thousand dollars and projected over his lifetime get back two point seven million dollars tax free and still leave behind over eight million dollars tax free to his kids, grandkids, and likely great grandkids. Alright? And then when Amelia saw these numbers, Amelia was like, I want one too. So here's what we did for Amelia. She's gonna be putting in thirty thousand a year. When she puts in that thirty thousand, they don't plan on using it. They just wanna know that if they need to use it that they can. Alright? But if they needed to use it, they have about twenty eight thousand dollars available from day one that they can borrow against this policy, and then Amelia has a little over half a million dollars of permanent insurance. Alright? You guys tracking that? Alright. We're gonna fund it with thirty thousand a year. Over seven years, that's two hundred and ten thousand dollars total. The projected available cash would be about two forty, and then the death benefit also increases up to five hundred and forty three thousand over that time period. Now at this point, we can continue saving or we can do what we did in Dylan's policy. In Dylan's policy, we just started doing what we call the flow. So, again, that money comes in and it goes right back out. So now the out of pocket is zero. Once we get to year twenty one, and I'm just saying year twenty one because this is just how the numbers ended up falling based on their projection that you can customize however you wanna do But also while saying that, this is something that you never wanna stop putting money into. As long as that money is coming through your hands, that money goes through this first before we spend it. Alright? So now no premium going in, but still seventy thousand dollars every single year of the rest of her life. So she would have put in a total of two hundred and ten thousand and gotten back two point six million tax free with a total death benefit paid of four point eight million dollars tax free. We can't forget about Zelly. Alright. We can't forget about Zelly. So let's go ahead and pull up Zelly's policy. For Zelly, we're gonna do the same thing that we did with mom's policy. All we're doing is we're just saving in it. K? So for this one, putting in about twelve thousand a year, that's a thousand dollars a month. And then the available loan in Zelly's policy would be about forty five hundred in that first year, and she would have over three hundred and eighty five thousand dollars of, like, permanent life insurance for her. And so the plan for Zelie, again, we wanted to she we wanted to build generational wealth, set something up where they didn't have to get student loans. They didn't wanna have to save money in something that it would count against them for scholarships and financial aid if she wanted to apply for that in the future. And so this vehicle here, it doesn't count against student aid or scholarships or anything like that. This is something private that nobody knows about other than you and the insurance company and then your agent, y'all, or anybody else that you tell. Alright. So for this one, we're just gonna be funding it all the way through age eighteen. And I wanna pause here because at age eighteen, what what happens at age eighteen? What do what do people do? Well, some people do. They go to college. And we know what college costs today. Ain't no telling what college gonna cost twenty years from now. So let's just say this was the tuition. Right? We're pulling fifty thousand dollars out worth of tuition. And even though we're pulling fifty thousand dollars out worth of tuition, there's still over two hundred and eighty thousand dollars of tax free money in there. That's enough money to pull out tuition for year one, freshman year, the sophomore year, the junior year, and the senior year. So that's a total of two hundred thousand that we would have pulled out at that point, right? Still over two hundred thousand dollars in the policy. Then how about we give Zelle a graduation gift? That graduation gift being a down payment on our own property. And we know what real estate costs today. We don't know what it's gonna cost in the future. This might be three percent down for all we know, it might be twenty, it could be three, depending on where we're gonna be at and and what the cost of housing is. But how about we go ahead and take two hundred thousand dollars out and use it as a down payment on a house? And because mom and dad are in in real estate doing doing real estate development stuff like that, they probably just gonna get her an investment property or something like that and teach her the business and show her the ropes. Now I want you to pay close attention to this right here because remember, we were funding this policy at twelve thousand dollars a year all the way up through college. So this would have been a total of a hundred and ninety two thousand. By the time Zelly gets out of college and takes this two hundred thousand dollars out as a down payment on an investment property or whatever it is that you wanna do with it, they would have gotten all their money back plus an extra hundred and forty eight thousand dollars tax free. Everybody say, wow. Wow. Right? And there's still about forty thousand dollars left in here. Now this is the part that trips a lot of people out because it's like this money came out, but then you see the money grows the next year and the next year and the next year and the next year. Literally one, two, three, four, five, six, six years later, they've gotten all that money back because of the compounding interest. And then just for fun, let's go ahead and see what Zelie's policy is projected to look like by the time she turns fifty five because she got a lot longer time to let that money compound. Her projected income is four hundred thousand dollars per year tax free. So let me let's look. Four hundred thousand dollars right here, but then over two almost three million dollars of just equity in the policy, cash value that she can use for whatever she want, whatever her heart desires. And she'd be able to pull that out every single year from age fifty five all the way through age ninety five. Her parents would have set her up right. Her parents would have put a hundred and ninety two thousand dollars total inside of her policy. She would have gotten back over sixteen million dollars of tax free income that went towards college, went towards down payment for the investment property, that went towards just income that she could spend on whatever she wanted to. And then she leaves behind eight million dollars of her own to her kids, her grandkids, and her great great grandkids. Everybody say, wow. Wow. Alright. But don't say wow yet. Don't say wow just yet because I need us to look at all let's look at the combined total of everything. K? Because this is where it really it really starts to click even more if it hasn't started clicking yet. So this is the family's combined plan. So what I did was I took Dylan's policy, Amelia's policy, and Zelie's policy. We combined it all together, and I want you to see the total amount of money going in these policies combined. And this is important because remember what I said, they make between twelve to fifteen thousand dollars a year. That's about a hundred and forty to a hundred and eighty thousand dollars per year net. And so if you'll look in this first year, half of their income is going into the policy. Every single year, like, half of their income is going to literally, they're they're effectively saving fifty percent of their entire income and still be able to and still using it at the same time. And not only that, it's creating income for them. So these these are the combined numbers. As we scroll down here, you'll see that these are all of the combined numbers. These are all the combined numbers here every year. So a hundred and thirty, hundred and forty thousand, hundred and forty thousand every year just like that. Alright? Okay. Alright. So total. So this is what we call generational wealth right here because there isn't anything else that you can do this with. I've searched high and searched low. So at the end of the day, Dylan and Amelia are projected to put a little over three hundred and seventy nine thousand dollars total over the next twenty years in their policy. That's it. That's it. So over twenty years, that comes out to what? Three hundred and seventy nine thousand dollars. Alright? So what does that come out to? That's three hundred and seventy nine thousand dollars divided by twenty years. That gives us eighteen thousand nine hundred and fifty dollars per year, and that will generate a projected total tax free income back of over fifty six million dollars. And it's not too good to be true because once you understand and you connect these dots and you realize that the reason they were able to generate this fifty six million dollars is because every single dollar that they pay into this policy over the next twenty years is going to build up their account. And even though they're taking loans against this policy, it doesn't matter because that interest is compounding on that total account value there. Alright? So that's buy the policy. Borrow against the policy to fund your investments, pay for personal expenses, business expenses, and then you repeat the process. And then when you die, you let the policy pay back the loans, and then what's left after that, it transferred to your family, your beneficiaries tax free. Hopefully that breakdown got you excited about what is possible and, like, what you may be able to do with this. Now if this is something that you're thinking about doing, there's three things that you need to know in order for this to work. And those three things that you need to know in order for this strategy to work for you is it has to be the right time for you. It has to be the right design for you, and you have to have the right team do this for you. So we're gonna go through each one of these step by steps. The flip system is the right move for you now if you're making solid consistent money. Number two, you're not just chasing cash and you're committed to building wealth. This is not some get rich quick thing. This is for people who are committed to building long term wealth. Like, you already know how to make money. Making money is not the problem. Saving money in a better place to grow real wealth where you're not taxed, penalized, and your money isn't locked up. That's what you're looking for. You're saving at least ten percent of your income, maybe even more. You've already got money sitting. Maybe it's in a high yield savings account or a checking account, and you know it could be doing a lot more for you. And you're in reasonably good health for your age. And when I say reasonably good health, all that means is you're you're average healthy. You can have high blood pressure. You can have cholesterol. Let's say if you're diabetic, if as long as it's controlled diabetes, you're in good health. Some of the things that disqualify people would be recent surgeries like heart surgeries, cancer, just different things like that. It's not saying that you can't get approved, but that's why it's always good to talk with somebody to see, like, what options that you have available because there's a lot of different things that we can do, such as maybe putting a policy on a family member. So if you wouldn't qualify Healthwise for one, maybe your spouse could or maybe your business partner could or even your child or grandchild could. And you we could set it up so that you own it. You're the owner. You're the putting the money in. You're the one who can take the money out, and it'll the policy will just be on someone else. Hopefully, that makes sense. Alright. And then this is a big one too. Everybody can't get this because you have to have a need for life insurance. If you don't need any life insurance, then you can't even get a policy. That's literally a question on the application. The insurance company said, does this person need life insurance? And if that answer is no, then you cannot qualify for a policy like this. Now let's just say if you already have a life insurance policy. From my experience, I've been doing this for almost ten years, most people are underinsured. So if you already have a policy, whether it's through work or if you have another policy that you're already paying for, there's a good chance that you don't have enough anyway. And that's why we may be able to justify the need for more life insurance based on your current situation. Alright. So again, the flip system is the right move for you now if you check all of these boxes. Now let's say if you don't check all of these boxes. Well, for most people, they check the health box, they check the need for life insurance box, but they may not check the financial boxes because you do have to financially qualify for this as well. And I remember when I first got started, I wasn't necessarily financially qualified to do this. So if that's you, then this is not the right move for you yet. But just because it's not the right move for you yet doesn't mean there isn't a blueprint or, some steps that you should follow to make sure you put yourself in the best situation for it to be the right move for you. What does that mean? It means that if it's not the right move for you yet, the first thing you have to do is you need to lock in your health with a term policy that can be upgraded to a flip system later. Why do you wanna do it now rather than later? Well, let me share a personal story with you real quick. I grew up in Newberry, South Carolina. Me and my cousin, my grandmother, used to call us heckling jackal because we were like we were like this. So some of you have are lucky enough to have siblings, brothers and sisters, and you can't even imagine your what your life was like without knowing them because you've known them your entire life. So just imagine your brother or your sister who you've known your whole life just suddenly drop dead out of nowhere. That's what happened to me. My cousin passed away unexpectedly from a heart attack at the age of thirty six years old and left behind three kids, and he didn't have any insurance. Now that's bad enough as it already is, but I took away something from that because men especially don't like to go to the doctor. Know, we like to just rub some Vicks Vapor Rub on it and will be cool after that. But a lot of times we don't like to go to the doctor. So I hadn't gone to the doctor in a while and when my cousin passed away from that heart attack, it scared me a little bit. And so I decided to go to the doctor, get a full workup, get blood work done, all that stuff. So go get my blood drawn, go home, doctor calls for the results, tells me I have high cholesterol and wants to put me on cholesterol medication. And I'm like, how long have I been walking around with high cholesterol and not knowing it? So guess what I did? I went on WebMD and I freaked myself out even more because the effects of high cholesterol or high blood pressure can lead to a heart attack. So imagine that. My cousin just died of a heart attack and I got high cholesterol, which puts me at risk for a heart attack. And I was like, oh my god. How long have I been doctor I called the doctor back up and like, doc, can you do a full workup? Can you do an EKG and just check my heart out and sure everything is good? He's like, yeah. Sure thing. He orders the EKG. I go in. I take the test. Don't think nothing of it. Go home. Doctor calls me back up. He said, hey, mister Clark. How are doing today? I'm like, I'm doing good. He's like, are you experiencing any chest pain? And I'm like, am I experiencing it? And I'm like, no. I'm not experiencing any chest pain. And he said, well, your EKG came back abnormal. He said, if you if you experience any chest pain at all, I need you to go to the emergency room right away. And and that's all he gave me. I'm like, well, like, do you mean? Like, what's wrong? He's like, don't I don't know. We just need to order more tests. I'm gonna order a stress test for you. So we ordered a stress test, and I couldn't get that stress test for, like, three whole weeks. I go to Kaiser. Kaiser, you can't get nothing done. They'll never have appointments. So I'm I'm walking around feeling like I'm a ticking time bomb because I had this abnormal EKG. Long story short, I get the stress test done and I pass it. It was like actually above average. By the grace of God, like I was healthy. Like there was nothing wrong with my heart, anything that they could find. But my point was, what if the stress test didn't go well? What if there was something wrong with my heart? You wanna know what happens now? I wouldn't even be able to get a policy because I would have had something wrong with my heart and my medical records. And the fact that the insurance company wouldn't sell me the policy at that point in time meant that I actually really, really needed the life insurance policy at that time. Hopefully, that makes sense. So that's why you wanna go ahead and lock in your health with a term policy that can be upgraded to a flip system later. And if you already have a term policy, that's great. It may or may not be able to be upgraded, which is also why you wanna have somebody look at that thing to see what your options are. And if it isn't one where you can have it upgraded later, then you may wanna go ahead and swap that out for one that can. Alright? So that's the first thing you do. Second thing you do, you wanna focus on earning more income and reducing your expenses. So that way you move on to step three, which is when you're at a point of consistent income, you started paying yourself, we go ahead and convert that policy into the flip system or upgrade that policy into the flip system. And, again, I'm not telling you nothing that I have not done. This was like my first policy right here. I had a term policy, and then once I was in a position to upgrade, I went ahead and I converted it to a permanent policy, to a flip system here. And I went and I got all my kids and everybody else set up and my wife set up too. Alright. So now we got so now we're moving on to the right flip design. What does that mean? The right what do you mean bringing the right flip design? Can I just go down to State Farm or Allstate or to my insurance guy and get this set up? Yeah. You could. But if you do that, you may wanna approach it with cautions because there's millions of insurance agents who can sell them. And picking the wrong policy or working with somebody who doesn't understand structure like this will cost you thousands, if not more, and that's dangerous. See, it's not about just getting a policy. It's about getting the right policy because I've met a lot of agents out there who are selling policies who don't even have life insurance on themselves. So let's think about how wild that is. You have people selling policies out there who don't even have life insurance on themselves. That's crazy work. And I learned this the hard way because when I got my first policy, I was excited. But then my excitement quickly turned into buyer's remorse because I learned that what I actually had wasn't what I thought. The fees were high, and I couldn't even use the policy for years. I'm talking about three or four years. I couldn't even touch the money in it. And I'm like, what's the point of me doing this? Like, the the death benefit is great, but I'm just wanna use this money to build wealth right now. And that just taught me that not all IUL's are created equally. And I don't know if you heard about this, but there was a guy named Kyle Busch. Kyle Busch, NASCAR champion, two time champion. He actually won a lawsuit because the agent who set it up for him sold him way more policies than he needed. Actually had him replace policies that didn't need to be replaced all because that agent wanted to make a lot of commission. I I guess he saw Kyle Busch and saw dollar signs. So I wanna go ahead and just break down for you real quick the wrong way and the right way to do this. First things first, let's just say when you deposit a premium. Let's say that premium was a thousand dollars. This is how you're able to tell if it's wrong. If it's wrong, the majority of that money, like nine hundred dollars of that one thousand, will go towards insurance charges and fees. And then only one hundred dollars of that will go towards your cash value, and that's what would grow tax free. That's what you can borrow against and do all those things that you wanna do from it. This is what it would look like if it was done incorrectly. Alright? Here's what we wanna do doing it correctly. And I'm just sharing this with you so that you just have context whether you decide to work with me and my team or not. You gotta make sure you know these things if you're gonna be putting money into something like this. Alright? So here's what it should like. When you put in the premium, same one thousand dollars, you want as little money going towards the cost of insurance as possible. The first year is always the highest. It's gonna be about ten percent of your total premium is what you're gonna pay towards just the cost of the insurance policy. Right? So you put in a thousand, a hundred dollars comes out, but, hey, you're gonna be having insurance anyway. So what difference does it make? And then the nine hundred that's left over, that's the cash value. That's what grows tax free. That's what you can leverage. That's what you can access. So that's one of the big difference. That's like the seek one of the secrets of the flip system right there. And that's why the third thing you need is the right team. A team that practices what we preach. We have policies on ourselves, on our wives, on our kids. We've been doing this for years. We design the policy for wealth building. We don't design it for commissions, and we have almost thirty years of experience in total just between what we've been doing. Alright? Now let me show you somebody who's actually doing this. This is Wally. Him and his brother have a business out in Louisiana. It's a Cava bar. Here's what he had to say. Hey. What's up? This is Wally, I just wanna give a huge shout out to my guy, Brandon Anthony Clark, for putting me on the life insurance game and helping me set up my IUL last year. So about a year ago, I reached out to Brandon because I was going to invest in a brick and mortar business and then I wanted to find out how I could use my money better. I learned about people using life insurance different ways, how to get leverage, how to basically become your own bank. And so I didn't really know much about all that. So that's why I reached out to Brandon to learn more about how this could work. Brandon pulls up this awesome policy design and shows me exactly how I can leverage a policy to grow my business and essentially use the same money that I'm using to invest in my business, but use it again grow my wealth and keep building my savings even though I'm actually using the money in the form of a loan. Which I thought was super cool. I signed up for my policy and just two weeks after setting it up and putting my lump sum in the policy I was able to access my money in the form of a loan and then invest that into the build out of this place. This Kava bar behind me right here that you can see over my shoulder. And so I took a loan out at five percent and then this year we actually looked at numbers earlier my policy made close to eight percent this year. Not only was I able to save my money, I was able to invest my money. So I was able to grow it in two different ways. So, Brandon, I appreciate it so much. Thank you so much for helping me out and helping me get my policy set up. Guys, if you wanna make a move with your money, then reach out to Brandon. He'll get you set up just like you did me. Alright. You hear that? So he bought the asset, borrowed against the asset, invested in his business, and he's repeating the process over and over and over. And one day, he's gonna transfer that onto his family. Okay. So the last thing to talk about is, like, what does it look like or take to work with us? And just so you know, we don't work with everybody. But if you decide to work with us, then you would become a VIP member. So this is hands on implementation where we help you get your flip system set up from start to finish, customize around your income, your goals, and your lifestyle. So let me show you exactly what's included. Number one, you have a flip system design session or sessions is plural because it likely will take more than one session to get everything customized the way that you want it. We we're building out a plan for you, like a full plan for you. So this is a one on one consultation or consultations where we actually design your plan. It's not generic. It's gonna be based on how much you wanna put in, what you wanna use it for, what your goals are, how soon you wanna access it, and just different things like that. We're we're gonna do a a thorough financial review because we need to look at your full picture to know, like, what you're earning, what you're saving. That way we can make sure this thing is set up and built to last. Now after we have all those design details finalized, that's when we help you apply. Because, again, like I said, there's hundreds of insurance companies out there, and most of them, I'm gonna say ninety nine percent of them is not good for this. But we do have special relationships with companies that have the lowest fees, have the best loan options, and have the fastest access to your money. And we walk you through that entire application so that way you don't have to guess. The fourth thing is is mobile policy management setup. So just like you have a banking app to check your bank account every day, you can actually get an app to check your policy details. You can do things like request loans from the app, check your balance, update beneficiaries. You can do all of this stuff directly from the dashboard. This is Carlina. Carlina is a business owner out in North Carolina. She has a business where she helps kids who grew up in foster care because she actually grew up in foster care. So I had the pleasure of meeting with her and her husband a while back. Here's what she had to say. So Brandon actually signed me up for my policy last year. I was skeptical about insurance because I always thought of it as a scam. I was actually talking to a married couple and the husband was explaining to me that he was actually an insurance baby and I asked him more information about you know like what do you mean? He informed me that his father passed away at an early age while he was younger. He had a cash value life insurance policy. So when the husband actually got older, about eighteen, nineteen years old, he was able to get the money and him and his wife have now used that money to fund their own learning center. When I have two kids, me and my husband have two kids, oh okay well I'm always down to leverage or flip my money. So I said we talked to Brandon and Brandon was able to explain it great. He was able to break it down for me and my husband. So we immediately signed up for a policy. So I have a policy, my husband has one, and our two kids have a policy and I love my policy. Alright. Here's other people we've worked with entrepreneurs and small business owners, real estate investors, doctors, dentists, surgeons, nurses, software engineers, data scientists, sales professionals with commission based income, military personnel, teachers, police officers, firefighters, professionals with a nine to five who are building a second stream of income. Now getting the policy set up is one thing because let's say if you had your dream car, right, it's your it's a vehicle. So if you were to buy your dream car, would you just run it into the ground? You probably would get the oil changed every three thousand miles. You'll get the tires rotated. Probably be at the car wash every other day, making sure that thing is wax on, wax off like Mr. Miyagi shining because that's your dream car, it's your vehicle. You wanna make sure you take care of it and maintain it. And your life insurance is no different. So what we do for all of our members is we have what we call the wealth care plan. So the wealth care plan is how we help you service your policy. We do things like policy management. This includes unlimited support for tasks such as annual policy reviews where we go over your statement. So we can look at the crediting. We can look at everything there. We can help you with requesting policy loans, updating beneficiaries, putting your policies into a trust, or transferring your policy to a business. There's so many more things that we can do, but we're there to help you twenty four seven with all of these things. Alright? So this isn't something where we just set it up for you and then it's like, alright. Well, we'll see you when we see you. Like, we're there with you every step of the way as long as you have the policy. We're here to help you with it. Alright? So just to recap, you're gonna get the flip system design session, the financial review. We're gonna help you apply for everything. We're gonna help you set up the mobile policy management, and then you have the wealth care plan so we can help you maintain your policy for the rest of your life. Total value, six thousand five hundred dollars. Now, obviously, I'm not gonna charge you guys six thousand five hundred dollars. But if I did charge you that and all this did was let you save your money and use it at the same time so you never have to choose between spending it or saving it again. Would it be worth it? It would be worth it. Right? If all this did was give you access to your own money on your own terms, no banks, no penalties, no taxes, no waiting till someday that you might not even be around to experience it, would it be worth it? If all this did was make sure your family is protected from day one so they never have to start a GoFundMe because that would be embarrassing or wait on probate to access your money, what you built, would it be worth it? That alone would be worth it, wouldn't it? While you're thinking about that, the most expensive decision is thinking you have more time. Because I don't know how old you are. I'm forty. But by the time you're forty five, I can almost guarantee that over a million dollars has passed through your hands in your lifetime. Some of you two million, some of you three million, some of you ten million. But how much of that do you actually get to keep? Because that's the real cost. It's not what you earn, it's what you keep. And every year you wait to change how your money moves, that's another year of income flowing through your hands and ending up somewhere else. The bank kept some. The IRS keeps some. So the question isn't whether you can afford to do this. The question is, can you afford another year of doing what you've been doing? So what would this be worth to have it set up for you? So I had two choices when we put this together. The first option was I could try to help as many people as I can, and I love doing that. But the reality is when I'm spread too thin, I can't give everyone the attention that they need. And without that attention, you wouldn't get the full transformation that you deserve, that your family deserves. And that's what you want. You want the best outcome. Right? You want the certainty that what you set up today would do everything that you wanted. So I decided to go with the second option. The second option, I choose to work with fewer people and make sure you have the kinda hands on support, the team that can design this for you and walk you through every single step and manage it with you for the rest of your life. So you can see why something like this is easily worth five thousand dollars. I'm not charging you five grand. I'm not charging you four grand. I'm not charging you three grand. I'm not charging you two grand. You can become a VIP member right now for one single payment of two hundred and ninety five dollars. And then when you become a member, we're gonna throw in a special bonus, a complimentary call with an estate planning expert because the estate planning expert can help you set up a trust. If you don't have a trust, based on any services that you get through them, whether that's a trust, whether that's a financial power of attorney, medical power of attorney, if you have if you're trying to transfer real estate into a trust, like, you need these things like that, they're gonna do fifty percent off on all estate planning services. Alright. So, again, you can become a VIP member two ninety five today, but that's it. Hopefully, I answered all your questions. If you have any other questions, just send me a text message. You can text me at six five zero three one eight eight four seven seven. Or if you're ready to go ahead and get started now, just go ahead and click the link down below, get started. And once you do that, you'll be able to set up a call with me and my team. Alright? Well, it's been fun. I hope you got a ton of value out of this. I look forward to talking to you and seeing you soon.

They Started With $25K. They're on Track for $56 Million — Tax‑Free.

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