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Most people think life insurance only pays when you die. That's not true with whole life insurance.The living benefits of whole life insurance can transform your financial strategy today. These are benefits beyond the death benefit that can be leveraged while you’re...

In the financial world, the spotlight is often on net worth — the grand total of what you own minus what you owe. And it makes sense on the surface. It’s an easy number to chase, track, and brag about. But if there’s one mindset shift I wish every client would embrace...

For many high-income earners, financial discipline feels like second nature. You automate retirement contributions, pay off debt when you can, and try to save what’s left over. But if you’re still feeling stuck, here’s the hard truth: Most people invest automatically...

"Where should I invest my money?" It's the question I hear most often from clients and prospects. People want the magic answer. They hope I'll reveal the perfect investment that guarantees returns. But I can't tell you where to put your money. Not because I don't want...

You're staring at three different retirement accounts from old jobs. Your insurance policies are scattered across three different agents. Last month, you missed a credit card payment because the bill got lost in your email. And when your accountant asked about your...

Ever feel like budgeting is just a boring exercise and a depressing look in the rearview mirror? That’s because budgeting sucks! You need a better cash flow management system. With budgeting, you sit down, crunch numbers from last month, and realize you've just spent...

Effective financial planning isn't just about growing wealth. It's about creating a comprehensive system that works for you both now and in the future. There are nine essential characteristics of an ideal financial plan. These are detailed in the bestselling book What...

If you’re like me, you probably have one of those junk drawers in your house—a catch-all for tape, scissors, batteries, clips, and more. Every household has one.I bring this up because most people live with a financial junk drawer, too.Over the years, you've likely...

We’ve had hundreds of conversations with clients about improving cash flow. Those talks have revealed some powerful insights. Most people's wealth is created or lost in how they handle their cash flow. From our conversations, we’ve observed some common patterns with...

In 1877, as Cornelius Vanderbilt lay dying, he whispered final words of advice to his heirs: "Keep the money together." They didn't listen. Within a few generations, one of history's largest fortunes—worth over $250 billion in today's dollars—had vanished completely....

Do you ever feel like you're doing everything "right" with your finances, yet somehow falling short? Following the conventional wisdom but not seeing the results you expected? You might be a victim of your own financial plan. That is if it’s one based on outdated...

Did you know you can use whole life insurance to buy real estate? Not only can you, but there are a lot of benefits for doing so. Having access to cash is a huge deal when investing in real estate. When you have access to cash, opportunity will seek you out. You know...

As a business owner, entrepreneur, real estate professional, or self-employed person, you've created something valuable. You've built a business that generates substantial returns. You understand your market and have developed systems that work. So let me ask you a...

Imagine this: You're driving home after a long day. You glance at your phone for just a second. That moment changes everything. One minor mistake leads to a major accident. Someone gets seriously injured. Their attorney sees your nice home, your good job, your...

Les McGuire was a colleague of mine who tragically passed away in an airplane accident in 2006. Les was a Producer who practiced what he preached. His heirs have been well taken care of financially because he did so. The following article was written by Les. I often...