Thinking Like a Bank

🔥 This episode talks about:

• Sarry's journey from his introduction to the financial services industry to his decision to pursue the CFPⓇ certification.

• Learn about the CFP designation, its founding mission, and why it's considered the gold standard in financial planning.

• Explore the comprehensive curriculum of the CFP certification, including topics such as investment strategies, tax planning, and fiduciary responsibility.

• How CFP training has shaped Sarry's professional journey and approach to financial planning.

• Gain valuable tips and strategies for aspiring CFP professionals, from crafting structured study schedules to leveraging effective learning techniques.

• Understand the principles of fiduciary responsibility in client-centered advisory services.

Joe Camberato is the CEO and founder of National Business Capital – the leading FinTech marketplace, helping entrepreneurs access competitive financing fast through an easy-to-use online platform and an experienced team. Joe knows entrepreneurs because he is an entrepreneur. With a strong vision, determination, and passionate leadership, Joe grew his firm from a small operation in his spare bedroom to one of the top workplaces on Long Island – all without one dollar of private equity.

🔥 This episode talks about:

☑️ What drove Joe Camberato to start the National Business Capital?

☑️ Some challenges that entrepreneurs face, especially with accessing business loans 

☑️ What is non-bank private lending? How does it differ from traditional bank lending?

☑️ How do these lenders provide solutions for businesses that may not fit the criteria of traditional banks?

☑️ How does Joe's company address the unique needs of businesses across various industries? 

☑️ Why is it essential for business owners to diversify their investments.

☑️ The tax benefits associated with financing 

☑️ Diversification and financial planning as valuable strategies for mitigating risk 

To connect with Joe Camberato, please visit:

Today, Mark Willis and Sarry talk about Tardus Wealth Strategies, The Income Snowball™, and using a Bank On Yourself type whole life policy to maximize the cash value growth while also minimizing risk. 

Check out this episode to learn more about Tardus, who they are, how they help people reach financial freedom in about 10 years, and how using their financial strategies along with Bank On Yourself can help increase and improve your path to financial freedom.

🔥 This episode talks about:

☑️ The Bank On Yourself concept

☑️ How does Bank On Yourself work with passive investments?

☑️ The Income Snowball™ and Tardus Wealth Strategies

☑️ The advantages of using Bank On Yourself for passive income opportunities

☑️ Using a dividend-paying whole life insurance policy as an alternative line of credit

☑️ Indexed Universal Life (IUL) vs Dividend-paying whole life insurance 

☑️  Potential downsides of using IUL policies for The Income Snowball™ 

☑️ Direct vs Non-Direct Recognition

☑️ The importance of non-direct recognition policies for loans

☑️ How does the growth and cost structure differ between the two?

☑️ Long-term benefits of using dividend-paying whole life insurance

To connect with Mark Willis CFP®, please visit:

Michael Scicluna is a seasoned financial executive and partner, CFO at High Country Finance. With extensive experience as a CFO in multiple organizations, Mike specializes in cash flow forecasting, accounting analysis, and providing high-level advice to startups and growing businesses.

His expertise spans 25 industries, making him a trusted resource for strategic financial guidance.

🔥 This episode talks about:

☑️ What is a CFO?

☑️ The common misconceptions about the role of a CFO

☑️ The types of companies High Country Finance typically work with 

☑️ Why is there a constant need for new accountants?

☑️ Some quick tips for business owners to assess their balance sheets for errors.

☑️ Does High Country Finance handle all aspects of accounting, bookkeeping, and tax compliance?

☑️ Difference between financial planning for yourself and your business? 

☑️ What percentage of gross revenue should businesses allocate to outsourced CFO services?

To connect with Michael Scicluna, please visit:

Devin Miller founded Miller IP Law to help startups and small businesses with patents, inventions, trademarks, brands, and copyrights. Devin founded his first startup while earning his law and MBA degrees. Since then, he launched several seven and eight figure startups.

Devin enjoys every minute of helping startups and small businesses.

🔥 This episode talks about:

☑️ Devin's background as an attorney 

☑️ How to become an intellectual property (IP) attorney? 

☑️ Who needs an IP attorney? 

☑️ Why did Devin choose to specialize in serving startups and small businesses?

☑️ The costs associated with securing patents and trademarks? 

☑️ Why is it important to safeguard intellectual property?

☑️ What are the requirements for determining patent eligibility?

☑️ Why is it crucial for business owners to obtain patents, trademarks, and copyrights?

☑️ How can intellectual property become an asset you can own, license, sell, or leverage? 

☑️ In the event of intellectual property infringement, what options are available to the business owner?

☑️ The factors to be considered before selecting a law firm for patent or trademark applications? How to know how much you should spend on legal fees? 

To connect with Devin Miller, please visit:

Frank Hanna is a Chartered Financial Consultant, private wealth advisor, and is a leading specialist in estate planning, business succession planning, and wealth management for a select group of individuals, executives, and privately held business owners. Frank spent over 15 years within the restaurant hospitality industry, operating several of his family's restaurants and bars in Delaware and Maryland.

In 2007, he launched a financial consulting firm within his family business providing guidance in real estate development, tax management, and private investment. 

🔥 This episode talks about:

☑️ Frank's background in the restaurant and hospitality industry.

☑️ Delaware Statutory Trust (DST) versus a traditional 1031 Exchange​.

☑️ The benefits of exchanging an investment property into a Delaware Statutory Trust​.

☑️ Diversification offered through a Delaware Statutory Trust .

☑️ Addressing 1031 Exchange challenges with DST

☑️ Navigating the 1031 Exchange process with REVX

☑️ The role of a Qualified Intermediary (QI) in a1031 Exchange

To connect with Frank Hanna Jr. and to learn more about 1031 Exchange and  Delaware Statutory Trust (DST), please visit:

George Roberts before devoting himself to commercial real estate full-time, worked as an award-winning data scientist and bioscientist with over 700 citations in the fields of genomics, microbiology, and physiology. Deciding that he didn’t look handsome in a lab coat, he turned his attention to the dashing world of entrepreneurship.

George repurposed his analytical firepower to make housing, economics, macroeconomics, and finance fun and exciting as a data scientist of real estate on his YouTube channel. George is also a principal at Roberts Capital Enterprises, which sponsors value and multifamily opportunities in the Southeast and Midwest for qualified passive investors.

In addition to his over 300 units as an active multifamily investor, he is also an avid passive investor. His passive investments include 547 multifamily units, as well as a series of car washes, early stage companies, and a drug rehab facility.

When he is not running one of his active investments, you can find George hosting “The Foundery – Where Leaders are Forged Daily!”, a podcast devoted to the role that entrepreneurship, leadership, and mindset play in success in the commercial real estate space. 

He also hosts the weekly “CRE Network at Noon Eastern” Zoom meetup for investors and other commercial real estate players every Wednesday at noon Eastern.

🔥 This episode talks about:

​☑️ George's background in data science and bioscience

☑️ Transition from single-family to multifamily RE 

☑️ George's initial real estate fund and syndicate deals.

☑️ The impact of interest rates on George's recent real estate projects.

☑️ Financing strategies for real estate investing

☑️ Selling vs Refinancing 

☑️ What is seller financing? 

☑️ The types of investors George typically collaborates with.

☑️ George's mentorship and partnership support.

To connect with George Roberts, please visit:

Casey Silveria is a driven agriculture advocate. Growing up on a farm, he experienced rural America's opportunities and challenges. These uncertainties led him to a successful finance career at North America's largest French Fry producer. While there, Casey began his journey into farm-friendly real estate partnerships.

Today, he combines these experiences to help farmers achieve their financial goals. One way he does this is by offering vetted off farm investment opportunities. Historically, only the top 1% had access to these investments. Casey can be considered a bridge between agriculture and commercial real estate, providing an uncommon path to help farmers achieve their financial goals.

🔥 This episode talks about:

☑️ Casey's background in corporate finance and agriculture.

☑️ Limited partner (LP) versus General Partner in real estate investing 

☑️ The importance of investment diversification

☑️ What is a capitalization rate (Cap Rate)? 

☑️ The impact of high-interest rates on cap rates

☑️ What will happen to outstanding bridge loans? 

☑️ Does it still make sense to invest in real estate? 

☑️ The importance of partnering with experienced operators. 

☑️ The benefits of diversifying investments for farmers and other rural investors

☑️ How might 2024 lead to a repricing of commercial real estate assets and opportunities for savvy investors?

To connect with Casey Silveria and to learn more about real estate investing, please visit:

Greg Dickerson is a serial entrepreneur, real estate developer and mentor to high level investors and entrepreneurs. Starting from nothing he has bought, developed and sold over $250 million in real estate, built and renovated hundreds of custom homes and commercial buildings, developed residential and mixed use subdivisions and started, scaled and exited more than a dozen companies.

Greg currently mentors some of the top entrepreneurs, real estate investors and real estate developers around the world helping them start, grow and scale their business, raise more capital and do bigger deals. Greg's current clients have over $2 billion in AUM and deals in process. 

Greg is an expert on the topics of entrepreneurship, leadership and real estate and is regularly interviewed on some of the top real estate investing and business podcasts today.

Greg served in the United States Navy right out of high school and has always been a leader in the community as well as supporting, advising and serving on the boards of several churches, ministries and non-profit organizations. 

🔥 This episode talks about:

☑️ Greg's background and his transition from the Navy to a serial entrepreneur.

☑️ Greg's diverse ventures and business scaling strategies

☑️ Greg's role as a mentor and business advisor

☑️ How Greg's mentorship transformed ordinary individuals into successful real estate investors 

☑️ How to be "Investable" and "Bankable" when scaling your real estate portfolio 

☑️ The importance of collaborating with industry experts 

☑️ Rising interest rate, will prices finally drop? 

☑️ Is buying a property with 0 financing a good idea? 

☑️ Investor strategies in a high-interest rate environment

To connect with Greg Dickerson and to learn more about real estate investing and real estate development, please visit:

John Martinka is known for helping executives escape the corporate world by buying the right business the right way.

Creating large exits for small businesses so the owner can exit their business with style, grace, and more money and accelerating businesses so they can escape their plateau, often growth by acquisition; dramatically increasing the value of the company.

His books are the roadmap to help clients get the results they want, with Martinka Consulting’s guidance.

🔥This episode talks about:

☑️ John's background in entrepreneurship.

☑️ Marinka Consulting and what they specialize in 

☑️ How have interest rate changes affected business purchases? 

☑️ What is seller financing, and how does it work in the context of buying a business?

☑️ The tax advantages of seller financing (for the seller) 

☑️ How to turn your business into a retirement vehicle? 

☑️ What makes a business more valuable when selling? 

☑️ Customer concentration risk, what this is and how to mitigate it? 

☑️ How to prepare your business for sale?

☑️ What to consider when buying a business? 

☑️ John's book and what readers can learn from them.

To connect with John Martinka and to learn more about buying or selling a business, please visit:

Aubrey Janik is a content creator and car-sharing expert with over 300,000 subscribers on social media and a 25-car-sharing fleet. 

Through social media and her course, the Car Sharing Masterclass, Aubrey has taught thousands of students how to increase their income by scaling a car-sharing fleet.

🔥 This episode talks about:

☑️ Aubrey's background in the automotive industry

☑️ How did Aubrey learn about Turo and what convinced her to use the platform? 

☑️ How to list a car on Turo and get it started. 

☑️ How reviews work and how to get reviews as a new host? 

☑️ In terms of revenue, what can you expect to earn? 

☑️ Maintenance challenges when renting your car to others? 

☑️ How to buy a car to post on Turo (finance, lease, cash or using your Bank On Yourself policy)? 

☑️ How passive is it to run a business on Turo? 

☑️ The Car Sharing Masterclass and what it includes 

To connect with Aubrey Janik and to learn more about car sharing fleet, please visit:

Bob DePasquale has dedicated his life to teaching others about the virtues and health benefits of generosity, promoting the giving mindset, and making the world a better place.

The Generosity Guy has worked professionally and in volunteer roles for 23 years, in three different countries, and in 17 states.

When Bob was given a cancer diagnosis and experienced the tragic events of 9/11 in New York City, he thought not only his life over but everyone else’s too. He went from feeling like an invincible 18-year-old to an unworthy victim of life. 

Bob’s story is unique but his perspective resonates with anyone who wants to enjoy the work they do, give back to others, and make a positive impact in the world.

🔥 This episode talks about:

☑️ Bob's life-changing moment and how it changed his perspective on generosity.

☑️ What is radical generosity?

☑️ The importance of resilience in entrepreneurship.

☑️ The importance of having a clear vision when starting a business

☑️ The detrimental effects of technology when it comes to decision-making.

☑️ Bob's authored book "Personal Finance in a Public World” and his valuable experiences while writing the book.

☑️ The power of curiosity and how it fuels creativity

☑️ The importance of writing unique and valuable information.

☑️ Who is “Initiate Impact” and what is their mission? 

To connect with Bob DePasquale, please visit:

Scott Peckford is the Founder/Host of the I Love Mortgage Brokering Podcast and ILMB Network, CEO/Founder of BRX Mortgage Inc.

As a performance-driven visionary and Canadian podcasting pioneer in the mortgage industry, Scott is passionate about supporting agent success.

Since launching in July 2014, the ILMB podcast has taken the mortgage industry by storm, with more than 1 million downloads and celebrating the 500th episode airing July 2023.

With over 17 years of experience as a Mortgage Broker. Scott brings his expertise to the table and hosts fellow top-producing mortgage brokers across the country to share and discuss their best tips, tricks, and stories with listeners.

Scott has built and sold 3 different companies in the mortgage industry and has a passion for helping Brokers succeed.

🔥 This episode talks about:

☑️ Scott's prior profession before entering the mortgage industry

☑️ The expected increase in population and housing in Canada 

☑️ The challenges with new construction homes and interest rates 

☑️ Recent economic changes and how this will impact real estate in North America 

☑️ What is alternative lending and how does it work?

☑️ Pay more taxes or interest? Which can be more advantageous? 

☑️ The importance of testing your business, product, and concept with a target audience 

☑️ Strategies for validating a hypothesis before investing a large sum of money

☑️ Ideas for testing your business on a smaller scale to predict how a larger scale may react 

☑️ The significance of mentorship and coaching

To connect with Scott Peckford, please visit:

Emmanuel Daniel is a global thought leader in the future of finance. He is an entrepreneur, writer, and listed as a top 10 global influencer in the "Fintech Power50" list for 2021 and 2022. 

Much of Emmanuel's writing covers the future of finance, with a special focus on how cryptocurrencies, blockchain, gaming, and other technologies are opening the doors to new transactional opportunities. 

His next book, “The Great Transition – the personalization of finance is here,” is slated for September, 30th 2022 and covers how the US has shaped worldwide financial innovations. 

Emmanuel travels widely and has visited more than 100 countries and is working on his next book tentatively titled “The Winning Civilization.” As an entrepreneur, he was previously a member of the Entrepreneurs Organization (EO), a prestigious grouping of young business owners worldwide. 

Emmanuel was trained as a lawyer, has degrees from the National University of Singapore and the University of London, and attended a course on economics at Columbia University in New York. He travels widely and divides his time between Singapore, Beijing, and New York. 

🔥 This episode talks about:

☑️ Who is Emmanuel Daniel? 

☑️ How is the banking industry changing for the future?

☑️ What is digitization in finance?

☑️ The Dodd-Frank Act and its impact on the banking system

☑️ Factors contributing to Silicon Valley Bank's downfall.

☑️ What is decentralized finance and how does it affect the banks around the U.S.?

☑️ How does Zelle/Quick Pay work? 

☑️ The systematic risks introduced by real-time payment systems?

☑️ The Federal Reserve's role in enabling instant banking transactions.

☑️ Emmanuel's mission on digital innovation and societal transformation.

☑️ The connection between personalization of finance and personalization of societies.

To connect with Emmanuel Daniel, please visit:

Have you heard of premium financing? If you've been researching the Bank on Yourself Concept as well as cash value whole life insurance, then you may have recently learned about premium financing.

Premium financing is a complex subject that requires careful consideration and research. Check out this episode with Certified Financial Planner, Mark Willis of Lake Growth Financial Services, to learn more about premium financing and how it works.

🔥 This episode talks about:

☑️ ​What is premium financing and how does it work?

☑️ The repayment structure and interest rates typically involved 

☑️ The benefits and risks associated with premium financing?

☑️ How does collateral work in premium financing and what other assets are typically required as collateral?

☑️ The potential risks associated with using Index Universal Life (IUL) in premium financing 

☑️ What is the primary purpose of premium financing and how does it relate to estate planning?

☑️ How does premium financing compare to a non-direct recognition whole-life policy in terms of cash accumulation and risk?

☑️ The advantages of utilizing a non-direct recognition whole-life policy over premium financing in terms of risk management and long-term financial planning.

To connect with Mark Willis, please visit:

Trisha Talbot advises physician owners and investors with opportunities in the healthcare real estate asset class. 

Her track record in investment sales, landlord representation, corporate representation and tenant representation offers clients trusted experience with comprehensive strategies with pricing, market fluctuations and problem solving solutions that result in successfully close transactions.

Aligning the real estate investment requirements of property owners and physician investors together with the corporate goals of the healthcare companies that occupy medical facilities has made Trisha a leader in the healthcare real estate brokerage community. Her performance and production achievements are recognized annually.

Trisha lives in Scottsdale, Arizona with her wonderfully patient husband and two gracious children that support her drive to make an impact helping clinicians share their gift to heal others.

🔥 This episode talks about: 

☑️ Trisha's background in the commercial real estate industry

☑️ Key insights in managing a brokerage firm

☑️ The “Food Groups” of real estate investment

☑️ What is healthcare real estate, and how is it different from other types of asset classes? 

☑️ Important factors to consider when investing in healthcare real estate

☑️ Top considerations for healthcare professionals when searching for medical space

☑️ The key differences between investing in medical office assets versus retail assets

☑️ Underwriting process for these types of assets 

☑️ Has the Pandemic changed this type of asset class? 

☑️ Which geographic areas are more favorable for medical offices? 

☑️ The current interest rate environment and its effect on financing medical offices 

To connect with Trisha Talbot  and learn more about investing in medical office, please visit:  

John Neral is a certified professional coach who helps mid career professionals prepare, position, and promote who they are and what they do so they can show up to find a job they love or love the job they have. John's professional walk included a 25 year career in education and a long standing corporate consultant for a Fortune 500 Giant, Cassio America Inc. 

John is the author of Show Up, which explains six strategies to lead a more energetic and impactful career, and Your Mid Career GPS, which talks about four steps to figuring out what's next, and the host of the Mid Career GPS podcast. John is an avid game show enthusiast and professional bowler who won a title on the PBA regional tour and still actively competes.

He lives outside of Washington, D. C. with his spouse.

🔥 This episode talks about: 

☑️ How did John's academic background lead to a significant career change?

☑️ The commonalities between a professional athlete and an entrepreneur.

☑️ The importance of being consistent as an entrepreneur 

☑️ What is the difference between additive and repetitive? 

☑️ The 4 F's to consider in your career search

☑️ John's authored books available on Amazon

☑️ What are stretch goals?  

☑️ How do stretch goals change your life?

☑️ When to pursue stretch goals? 

To connect with John Neral and learn more about career development coaching, please visit:  

John Ensley is leading a financial planning revolution to help you take back control of your money, your lifestyle, and your retirement plan. John believes ordinary financial planning is failing too many Americans. After losing almost everything during the Great Recession, John became obsessed with finding safe, predictable ways to save and create wealth, protected from the chaos and corruption of the conventional financial system. 

Founded in 2012, John is president of J-Ensley Financial, a fiduciary financial planning company, and Registered Investment Adviser.  John holds a Chartered Financial Consultant designation from the American College of Financial Services, passed the rigorous series 65, investment advisers law exam, and is one of an elite group of highly trained Bank On Yourself® Professionals. 

🔥 This episode talks about:

☑️ Professional and financial challenges that served as a wake-up call and transformed John's perspective on personal finance.  

☑️ John's introduction to the Bank On Yourself concept. 

☑️ What is conventional financial planning?

☑️ John’s unconventional financial strategies and how they are different? 

☑️ How does the Bank on Yourself concept improve other investments? 

☑️ Examples of how Bank On Yourself is used in a financial planning setting 

☑️ How Bank On Yourself can help in an inflationary environment? 

To connect with John Ensley and to learn more about Bank on Yourself Concept, please visit:

Grace Lee is a  social media agency owner, strategist, content creator, and podcaster based in New York City. She started in the social media space as a personal style blogger in 2010 and shifted to working in social media in a corporate setting after college. In 2020, Grace started Gracefullee Made social media agency where they focus on storytelling through content creation, organic social growth, and brand strategy on various platforms.

Her passion lies in helping brands find their voice on social media platforms while enriching those communities to help meet business goals. 

🔥 This episode talks about: 

☑️ ​​​Grace's extensive experience within the social media industry.

☑️ How blogging has changed over the last 10 years? 

☑️ Is it essential for every small business to have a presence on social media platforms?

☑️ Who is Gracefulleemade? What specific services do they specialize in?

☑️ The importance of social media engagement, and what strategies can be used to improve engagement?

☑️ Quick and actionable social media tips for small businesses to improve their online presence.

☑️ Why is the planning phase essential in the realm of social media management?

☑️ Factors to consider before hiring a social media agency.

To connect with Grace Lee and to learn more about social media management, please visit:

​It's officially episode 100!!!

Thanks for listening this far. We hope you're getting a lot of value out of this podcast.

Please let me know if you'd like me to do an episode about a specific topic you are interested in. Also, if you'd like to share your story and expertise on our podcast, please send me an email at sarry@finassetprotection.com to learn more about becoming a guest on our podcast.

I've been spending the last two weeks trying to think of a topic to talk about on the solo episode, and then it hit me. I should record an episode about Nelson Nash's book, Becoming Your Own Banker. Some of our clients haven't read the book, so I decided to do a book review episode where I can discuss some key points of Becoming Your Own Banker since it has a lot to do with the Bank on Yourself Concept, as well as growing wealth from a general financial planning perspective.

🔥 This episode talks about: 

☑️ Who is Nelson Nash?

☑️ How do you become your own banker? 

☑️ What is arbitrage and how does it work when you leverage your dividend-paying whole life insurance?

☑️ How do life insurance loans work? 

☑️ Life insurance loans vs. other types of loans? 

☑️ The advantages of borrowing against your dividend whole life insurance policy

☑️ How can you increase the cash value of your life insurance policy?

☑️ What are headwinds and tailwinds in business?

☑️ What is Fractional Reserve Banking?

☑️ How insurance companies manage a pool of capital? 

☑️ The Law of Large Numbers in the insurance industry and how this helps you mitigate risk 

☑️ What is paid-up insurance? 

☑️ What is a Modified Endowment Contract (MEC)?

☑️ The tax implications of a whole life insurance, if non-MEC

☑️ What is self-insurance? 

☑️ How long does it take to build up cash value in a dividend-paying whole-life policy? 

☑️ Can you take out life insurance on someone else?

David Putz, the CEO of JKP Holdings LLC. In 2010, Dave Putz decided he was tired of dealing with the headaches of being a landlord.

He had been involved in property rehabs and rentals since 2005, and five years later, chasing people down for rent, dealing with maintenance issues, and coughing up cash to cover expenses when properties were vacant just didn’t seem worth the return.

Dave began his experience of looking for more passive income with distressed notes by working at a private equity fund. During his time at the fund, Dave analyzed large quantities of non-performing notes and consulted on which assets to purchase.

In late 2012, he left the fund to start personally investing in notes nationwide and later formed his company, JKP Holdings.

In 2016, Dave started a nationally-known webinar where he uses his relationships with other experts in the same space to speak on topics related to note investing.

Dave has created and utilized many forms of automation to expedite repeat tasks to reduce errors and increase time efficiency, which he passionately shares with his community and on his website. In 2021, JKP Investment Community was created. The Community is a weekly mastermind of like minded investors who get together to assist each other in obtaining their 6 month and yearly investment goals.

Together with his experience and strong relationships, Dave’s extensive knowledge in the space of Note investing has provided great success and profit to JKP Holdings and partners.

🔥 This episode talks about:

☑️ The differences between investing in real estate vs notes 

☑️ How can you invest in a note?

☑️ Examples of how mortgage notes work 

☑️ Lienlord vs. Landlord

☑️ Where to find notes for sale?

☑️ How much do you typically need to get started buying notes?

☑️ What types of notes should one buy if he/she is new to the industry? 

☑️ Non-Performing vs. Performing Notes

☑️ What to do after your first note? 

☑️ Expected ROI/IRR when investing in notes? 

☑️ Can anyone buy and sell mortgage notes without any restrictions?

☑️ The advantages of investing in notes and their tax implications?

☑️ Some of the drawbacks to note investing? 

☑️ What is a short sale in real estate?

☑️ The difference between a mortgage deed and a note? 

☑️ Who is JKP Holdings LLC and what services do they offer?

To connect with David Putz and to learn more about note investing private equity fund, please visit:

Today, Mark Willis of Lake Growth Financial Services and ​Sarry talked about what is happening in the banking world, specifically why banks are in danger. As we record this episode in mid-2023, we'll also discuss what depositors and customers need to know to protect themselves in these uncertain times.

🔥 This episode talks about: 

☑️  ​What are the current challenges in the US banking sector?

☑️  The difference between how banks store money vs. insurance companies.

☑️  Advantages of life insurance companies over banks in terms of safety. 

☑️  What do mutually owned life insurance companies do with your money? 

☑️  Mutually owned life insurances vs stock-owned insurance companies

☑️  Potential negative impacts of the banking industry and what can happen to the depositors.  

☑️  What is the FDIC and how does it affect the banking industry?

☑️  Other than banks, where else can you save money? 

☑️  Borrowing from your life insurance policy vs getting a loan from a bank. 

☑️  Which is better? Life insurance policy loan or a home equity loan in terms of interest rates and control? 

☑️  What is the difference between simple and compound interest? 

To connect with Mark Willis, please visit:

Brandon Hall is a certified public accountant, national speaker, and is the founder and managing partner of Hall CPA PLLC. Brandon works with real estate investors, syndicates and private equity funds to optimize tax positions and streamline accounting and business functions. He believes that real estate investing is critical to building sustainable and generational wealth.

Brandon worked at PricewaterhouseCoopers and Ernst & Young prior to launching his own CPA firm. Through the knowledge gained through working with real estate investors, Brandon has built a real estate portfolio of 25 units consisting of multi-family, single-family, and short-term rentals.

🔥 This episode talks about:

☑️ Brandon's prior corporate experience and his real estate background before he started his own accounting and tax service firm.

☑️ The types of accounting services offered by Hall CPA PLLC

☑️ How remote staffing and outsourcing has helped Brandon and his team 

☑️ How to effectively manage an offshore team?

☑️ The difference between tax preparation and tax planning 

☑️ The importance of having basic tax knowledge for business owners

☑️ What are passive losses? Passive gains? 

☑️ How to deduct passive losses against non-passive income (i.e. portfolio income, active income)? 

☑️ Qualifying as Real Estate Professional Status (REPS) and deducting passive losses against non-passive income 

☑️ What does material participation mean? 

☑️ What counts as material participation in real estate? 

☑️ How to use Short Term Rental losses to offset non-passive income? 

☑️ What is value-based pricing and fixed pricing in accounting firms?

To connect with Brandon Hall and learn more about tax planning, please visit:  

​Steve Hoffman is the CEO of Founders Space, one of the world’s leading startup accelerators. He’s also a venture investor, serial entrepreneur, and author of several award-winning books: These include, Make Elephants Fly”, “Surviving a Startup”  and "The Five Forces”.

Founders Space is a global innovation hub for entrepreneurs, corporations, and investors, with over 50 partners in 22 countries. Forbes and Entrepreneur Magazines ranked Founders Space as the #1 incubator for overseas startups

🔥 This episode talks about:

☑️ What is a venture investor?

☑️ What is a startup?

☑️ What do investors look for in startups?

☑️ The blue ocean strategy versus the red ocean strategy 

☑️ What is a two-sided market and why does it matter?

☑️ What’s the difference between accelerators, incubators, and startup studios? The typical equity share percentage for each type. 

☑️ Some important factors to consider in searching for the right startup accelerator​.​

☑️ Steve’s books he has authored and what to learn from them. 

☑️ How AI will impact the future of work and life​?​

To connect with Steve Hoffman and learn more about startups and venture capital, please visit: 

Scott Meyers and his affiliated companies own and operate more than 2.4 million square feet across over 14,000 units of self-storage facilities. His education company, SelfStorageInvesting.com, provides courses, tools, live events, and mentoring to help others launch their own self-storage business “free from tenants, toilets, and trash!”

🔥 This episode talks about:

☑️ ​Scott's introduction to real estate

☑️ Why he transitioned from multifamily to self-storage?

☑️ The benefits of investing in self-storage compared to other asset classes.

☑️ How long has Scott been in the self-storage investing space?

☑️ What makes self-storage investing recession-resistant?

☑️ Self-storage market growth opportunities

☑️ Typical holding period when investing in self-storage

☑️ Typical rates of return when investing in self-storage

☑️ Using your Self-Directed IRA to invest in self-storage

☑️ What to consider before investing in self-storage? 

☑️ What areas and market does Scott focus on?

☑️ Recommended books and material to learn more about self-storage

To connect with Scott Meyers and learn more about investing in self-storage please visit: 

Emily K Thomas is an energetic advisor and founder of Anchor & Lead. In her work, she teaches a whole new business paradigm that utilizes energetic intelligence™️ (both science and soul) to advise high-performance professionals & creative entrepreneurs to lead with conviction and scale with complete confidence.

Her signature program, The Embodied Leadership Experience guides leaders in harnessing the power of their unique energetic framework to mitigate risk and achieve their financial intentions to build a business that fuels their lifestyle.

🔥 This episode talks about:

☑️​ Emily’s journey as a leadership coach.

☑️ What is expansive leadership?

☑️ The importance of managing your energy.

☑️ How to overcome analysis paralysis?

☑️ Discovering your DNA energy and making empowered choices.

☑️ What is self-awareness? How do you measure your progress?

☑️ The 5 D’s method of transforming your energy and vibrational frequencies.

☑️ How to raise your vibrational energy and get into alignment?

☑️What to expect from working with Emily?

To connect with Emily Thomas, please visit

Dustin Heiner is the founder of Master Passive Income, Real Estate Wealth Builders Conference (REWBCON) and Successfully Unemployed.

He is a real estate investor who was able to make enough passive income from his business to quit his job when he was 37 years old.

With his podcast, YouTube channel, books, courses, and coaching, he now helps other people quit their job by investing in real estate rental properties to live the dream life.

🔥 This episode talks about:

☑️ Dustin's journey from being laid off to investing in real estate

☑️ What is passive real estate investing?

☑️ The benefits of passively investing in real estate

☑️ Why you should not rely on only one source of income?

☑️ How to start investing in real estate without a lot of money or experience?

☑️ Mistakes to avoid when starting in real estate

☑️ How to scale your real estate business and grow your portfolio?

☑️ Courses offered on how to invest in real estate

To connect with Dustin Heiner and learn more about real estate passive investing, please visit

Matthew Sullivan is the founder and CEO of QuantumRE, the real estate marketplace that makes home equity accessible, investible, and tradeable. He is also the President and Founder of Crowdventure.com, a real estate crowdfunding company, and manager of two real estate funds.

With a background in finance and technology, he worked with Richard Branson's corporate finance team on a number of Virgin companies such as Virgin Executive Jets and was appointed as director and trustee of Virgin's London Air Ambulance Service.

QuantumRE is a unique real estate marketplace that leverages blockchain technologies to make home equity accessible, investible, and tradeable. They solve a major problem for homeowners that want to access their home equity with no monthly payments and without the burden of additional debt. Their secondary trading platform and the marketplace is built on the Algorand blockchain and have been designed to enable investors to access this vast, untapped real estate asset class i.e, the equity in owner-occupied homes with a marketplace where their tokenized investments can be bought, sold, and traded.

🔥 This episode talks about:

☑️Matthew’s background as a fintech entrepreneur.

☑️What is crowdfunding and how does it work?

☑️The advantages of investing in unlisted/non-public securities

☑️How does the equity in your home work?

☑️The benefits of investing in home equity contracts compared to other asset classes.

☑️The difference between a home equity line of credit and a traditional mortgage?

☑️The downside of investing in home equity

☑️Do you need to be an accredited investor to invest with QuantmRE?

☑️The minimum investments, payback period, and projected Internal Rate of Return (IRR)

☑️Could home equity contracts be the next biggest real estate asset class?

☑️Specific investment opportunities with QuantmRE’s marketplace platform.

To connect with Matthew Sullivan and to learn more about QuantmRE, please visit  :

Abel Pacheco is a real estate entrepreneur and Texas native. With a proven track record of repositioning properties, delivering quality renovated housing products to market, and delivering consistent returns to investment partners. Abel has experience in acquiring distressed properties, managing renovations, raising private capital, and management of multi-family investment properties.

Abel and his wife have invested, owned, and operated income-producing properties since 2008. Abel is a General Partner and Principal in $150MM+ of Commercial Real Estate across 17 syndications and 1500+ doors. He is also working on developing a 156‐door multifamily property, and 98 unit build-to-rent community.  He has also served as a commercial loan broker. His wife Leslie has also invested on her own in 500+ doors of commercial real estate.

Prior to real estate investing, Abel was a senior tech sales executive. He brings 20 years of professional experience, including a verifiable 10x track record going from 5.6 million in acquisitions to 57 million in acquisitions in 2015.

Abel Pacheco, President and Principal of 5 Talents Capital, and the host of the Five Talent Podcast. He also hosts CRE Meetups, a monthly multi-family meetup providing free multi-family investing education for others in the community.

🔥 This episode talks about:

☑️​​​Abel’s background working as a tech sales executive and why he decided to invest in real estate at the same time

☑️​​Scaling up from single-family to multifamily

☑️​​Advantages of investing in multifamily syndications

☑️​​Who is ​"5 Talents Capital​"​ and what types of real estate assets do they focus on?

☑️​​Real estate syndications and its tax benefits for W2 employees

☑️​​Some strategies for building wealth and protecting your income from taxes.

☑️​​The potential returns (IRR) when passively investing in multifamily syndications

☑️​​How to stop trading time for money?

To connect with Abel Pacheco and learn more about multifamily and syndication, please visit

Billy Keels is a strategic advisor at First Generation Capital Partners and the host of the Going Long podcast. Billy helps high-wage earners escape the corporate rat race by discovering passive income opportunities so they can stop trading time for money.

Although Billy is not a tax professional, the investment strategies he shares can help high-wage W2 earners reduce some of their income taxes.

🔥 This episode talks about:

☑️​​Billy’s background as a top providing sales executive and how he started investing passively

☑️The types of assets Billy invested in

☑️What is an accredited investor?

☑️The benefits of being an accredited investor?

☑️The advantages of investing passively in real estate.

☑️The tax implications of being a high-wage w2 earner and what to do about this

☑️Which investment vehicles can you use to lower your w2 taxes?

☑️Understanding the level of risk for the assets you are thinking about investing into

☑️How to measure this risk?

☑️How to passively invest in energy companies (oil and gas)?

☑️The tax benefits of oil and gas

☑️How much can you potentially earn? (Potential IRR)

☑️The importance of setting your investment goals before making investment decisions.​ ​

To connect with Billy Keels and learn how to claim more of your W2 income, please visit

Terry Hale is an author of educational curriculums, numerous trade and business magazine articles, and has presented live seminars to over 200,000 attendees across the nation for educational advisory services.

He has been featured on CBS Radio, CNBC, and several syndicated radio broadcast networks as the leading authority in commercial real estate investing. Terry has over 20 years of real estate-related marketing, training, and teaching experience.

Terry has been on several boards of directors providing Real Estate Education Programs and has assisted in the negotiations, with years of diversified real estate experience. His commercial real estate training provides the techniques on how to find, pre-screen, evaluate, structure, and use negotiation tactics for repositioning and stabilizing commercial properties.

🔥This episode talks about:

​✅Terry’s experience in Commercial Real Estate (CRE)

✅Differences between conventional and creative financing.

✅What are some of the advantages of creative financing?

✅How to calculate the capitalization rate in real estate?

✅How to maximize revenue from CRE deals?

✅What is a 1031 exchange and how does it help you save on taxes?

✅Types of assets that can benefit from a 1031 exchange?

✅How to find CRE deals?

✅Terry’s training and mentoring program for those wanting to start a CRE business

✅Profitable CRE strategies

✅Do you need to have a lot of money to be a wholesaler?

✅What is a "Bird Dog" in real estate?

To connect with Terry Hale and learn more about Commercial Real Estate, please visit

Tony Martignetti is a trusted advisor, coach, experience creator, author, podcast host, and speaker. He brings together over 25 years of business and management experience, formal training, and extreme curiosity to elevate leaders and equip them with the tools to navigate through change and unlock their true potential.

Before becoming the founder and chief inspiration officer of Inspired Purpose Coaching, he was a finance and strategy executive with experience working with some of the world's leading life sciences companies. Along his journey, he also managed small businesses and ran a financial consulting company.

Tony is the host of The Virtual Campfire podcast and the author of "Climbing the Right Mountain: Navigating the Journey to An Inspired Life."

🔥 This episode talks about:

✅​Tony’s background in finance before becoming an Inspired Purpose Coach

✅How to choose between preservation or transformation?

✅The importance of knowing your why and the importance of constantly revisiting your why

✅What are the seven traits of an inspiring leader?

✅What does trust mean in leadership?

✅Proactive versus reactive leadership

✅Understanding the concept of “slow is fast” and how this can increase your momentum

✅Tony’s book, Climbing the Right Mountain.

✅The importance of defining and clarifying your purpose (constantly).

✅The importance of aligning your goals, values, and beliefs.

To connect with Tony Martignetti, please visit:

John Casmon is an entrepreneur and real estate investor who has helped busy professionals invest over $100 million in multifamily housing. John also consults active multi-family investors to help them start or grow their business.

He hosts the Multifamily Insights podcast (formerly Target Market Insights) and is the co-creator of the Midwest Real Estate Networking Summit. Prior to becoming a full-time investor, John worked in corporate America, overseeing marketing campaigns for General Motors, Nike and Coors Light

🔥This episode talks about:

✅John's background in marketing and advertising and how he started building his real estate portfolio.

✅The financial benefits of investing in real estate.

✅The advantages of investing in multifamily (compared to other asset classes) .

✅What are some tax benefits of investing in real estate?

✅The difference between appreciation and depreciation?

✅The benefits of passive income.

✅Why is depreciation considered a ‘paper loss’?

✅How does leverage in real estate build cash flow?

✅What is Real Estate Professional Status (REPS)?

✅Investing actively and passively in real estate

✅General Partner versus Limited Partner

✅How to get started in multifamily syndication as a limited partner?

✅Some of the risks with buy and flips (single family)

✅How to mitigate risks in real estate?

✅What makes multifamily recession-proof?

✅The impact of recent interest rates on multifamily housing (Investor standpoint)

To connect with John Casmon and to learn more about passively investing in multifamily syndication, please visit:

Jason Yarusi is the founder of Yarusi Holdings with his wife Pili. They have acquired $180M in real estate across 1900 Multifamily Units since 2017.  He is an avid ultra runner and workout enthusiast. He is the host of The Multifamily Live Podcast and 7 Figure Multifamily Mastermind

Jason wakes up daily at 4:32 AM and most importantly, he's a father of three amazing kids.

This episode talks about:

✅Jason shares his experience with multifamily as an asset class

✅The mindset shift that led him to overcome doubt and taking the next big steps in real estate syndications

✅In regards to risk, Single-family versus​​ multi-family investments

✅How can larger deals be less risky and more attractive to potential investors?

✅How to get started in multifamily syndication as a limited partner?

✅The benefits of investing in multifamily compared to other asset classes.

✅How multifamily can hedge against inflation

✅How multifamily properties are financed

✅How to use leverage to invest in real estate syndications as ​limited partners (LP)

✅Leveraging your cash value in a whole life policy to increase your net worth.

✅Recommended books and podcasts to learn more about multifamily investing

To connect with Jason Yarusi  and learn more about investing in large multifamily deals, please visit:

Mustafa Ladha appeared on our podcast on Episode 65 back in July of 2022, in which we spoke about some creative real estate strategies. Mustafa has spent over a decade in the real estate space. His experience ranges from investing in single-family homes to structuring syndication investments. He specializes in creating passive real estate investment opportunities with the aim of delivering double-digit returns and accomplishes this through various means.

Mustafa streamlines the investment process, providing accredited and non-accredited investors access to real estate investment options via their retirement and non-retirement funds. He diversifies clients’ portfolios, giving them exposure to real estate, and optimizes overall portfolio performance.

Prior to Veloce Capital, Mustafa co-founded Realty Mercato, where he used his real estate knowledge and business acumen to grow investor portfolios.

This episode talks about:

• Updates on recent mortgage changes (changes in interest rates)
• Long-term versus short-term real estate investment outlooks
• What is a negative K1 distribution and why is it beneficial?
• Tax advantages of buy/hold real estate strategies
• How has the recent increase in interest rates affected Multifamily investing?
• Which markets are doing better than others?
• Some disadvantages of fix and flips and taking the solo active real estate investor route
• Advantages of investing into larger deals and sharing risk
• How Veloce Capital is helping investors with various investing strategies
• What are some of the differences between Regulation A (Reg A) and Regulation D (Reg D) offerings, in non-public investments?
• What is a REIT (real estate investment trust) and how does it compare to syndications and Reg A offering?
• Leveraging your dividend-paying whole life insurance policy to passively invest in real estate
• The different types of real estate income that are excluded from UBIT (Unrelated Business Income Tax).  Types of investments that are subject to UBIT?
• What does ‘value-add’ mean in real estate?

To connect with Mustafa Ladha and to learn more about passively investing in apartment complexes in a tax-free manner, please visit:

Nolan Sanburn is a commercial real estate syndicator and Infinite Banking Practitioner. Nolan has a deep understanding of using real estate and cash value whole life insurance to enhance returns and mitigate taxes.

This episode talks about:

• ​Nolan’s introduction to commercial real estate investing and Infinite Banking
• How does the Infinite Banking Concept work?
• Tax advantages of Infinite Banking
• How to use cash value whole life insurance to leverage other investments, such as real estate syndications?
• The advantages of borrowing against your cash value whole life insurance compared to having a home equity line of credit (HELOC) or going to a traditional bank.
• How do policy loans work with Infinite Banking?
• How does your money keep growing even when you have an outstanding loan against your policy?
• How are dividends credited? Are dividends guaranteed?
• ​How Nolan utilizes his own whole life policy in growing his real estate portfolio.
• Applying bonus depreciation and other tax-saving strategies with real estate

To connect with Nolan Sanburn and to know more about Bank on Yourself Concept and Real Estate Syndication, please visit:

Grace Gong is the founder of Smart Venture Media and the host of Smart Venture Podcasts, a Top 10 VC podcast. Her podcast guests include many C-level executives of well-known companies, as well as investors and unicorn founders such as; the founders of Craigslist, Square, FTX, Opensea, and others.

Grace is on the list of LinkedIn Top Voices in Finance 2022, a speaker at NFT NYC, and a number one bestselling author on the topic of venture capital. Prior to being a founder, grace worked in venture capital and private equity.

This episode talks about:

• ​Grace's background in venture capital and private equity.
• What is a venture capital firm?
• What type of investments do venture capital firms ​invest in?
• The difference between traditional and venture capital investing
• Downsides of venture capital funding
• The impact of venture capital firms on NFTs and cryptocurrency
• Who is Smart Venture Media?
• What is Web3?

To connect with Grace Gong  and learn more about Venture Capital, please visit:

​Adam Carroll is a two-time TEDx speaker with over 6 million views on his talk from the London Business School. He's a four-time author and the founder of the Shred Method, a system that creates freedom for people by teaching them how to create income efficiency, blast away debt, and build real wealth in record time.

This episode talks about:

• What is The Shred Method™ and how this strategy can help you get out of debt?
• Using a HELOC (Home Equity Line of Credit) within the Shred Method.
• ​What type of debt​​ can the Shred Method ™  help eliminate?
• Snowball method of paying off debt?
• How can the Shred Method ™ help real estate investors?
• How does your mindset influence your financial outlook?
• Velocity Banking Concept v.s. Shred Method ™
• Tax advantages of using the Shred Method ™
• Using the Shred Method ™  for building cash flow and assets
• The benefits of having a home equity line of credit (HELOC) compared to a cash-out refinance (or other types of debt)

To connect with Adam Carroll and to learn more about the Shred Method™, please visit:

Heather Lee Chapman is a holistic self-mastery and business coach, and the owner and creative director of Own It Empire. She assists those who want to become the best versions of themselves and live their best lives through holistic, high-performance, and business coaching with her online programs and one-on-one VIP coaching.

Heather has always been an entrepreneur and has over 16 years of experience studying human potential and performance and a decade of coaching individuals and assisting them to get clear on their goals and make them a reality. She is a designated NLP timeline therapy and hypnosis designated practitioner and NLP coach.

Heather is also a certified nutritional practitioner and studies advanced spiritual training. She's also a co-author in two Amazon number-one bestsellers.

This episode talks about:

• ​​Heather’s background in Neuro Linguistic Programming (NLP) and life coaching.
• What are limiting beliefs and how can they affect your life?
• How to eliminate limiting beliefs?
• Why is it important to envision your goals?
• What is Neuro Linguistic Programming and how can it improve your business and financial situation?
• How to stay positive in a negative situation?
• The importance of learning from your failures
• How to eliminate limiting beliefs about money?
• Fundamental steps to creating a vision of your future self.
• The importance of creating good habits in accomplishing your goals.
• How to automate your success?

To connect with Heather Lee Chapman and to learn more about Neuro Linguistic Programming (NLP), please visit:

​Daniel Coller is the Head of Compliance at 1291 Group, a private wealth solutions firm located in Europe that helps clients internationally mitigate taxes, and protect their assets, along with other custom-tailored wealth solutions.

Our main topic of discussion today is Private Placement Life Insurance. What is private placement life insurance? Who is it usually a good fit for, and how does private placement life insurance work?

This episode talks about:

• ​Daniel's background in international financial services
• What is Private Placement Life Insurance (PPLI) and how does it work?
• What is niche insurance and how are PPLI policies different from other life insurance policies?
• Who are the parties involved in setting up PPLI? The external and internal aspects of it?
• The minimum net worth requirement to qualify for PPLI?
• The advantages of investing in PPLI under the acronym PATEC.
• Can PPLI policy owners withdraw from their cash value or borrow against it at any time?
• The portability features of PPLI, in an international setting.
• The role of the financial professional in helping PPLI clients in building strong investment options, mitigating taxes, and asset protection.
• Is there a growing market for Private Placement Life Insurance amongst wealthy individuals and businesses globally?

To connect with Daniel Coller and learn more about Private Placement Life Insurance, please visit:

👉Company Website➡️https://www.1291group.com/

Michael Johnson is an Author, Master NLP Practitioner, and a Business Mentor, and Investor. He works with businesses to help them attain the necessary solutions to save them money, improve their revenue, and create a more meaningful impact for their team, their customers, and themselves.

With over 30 years of teaching, coaching, and mentoring experience, Michael brings a unique and effective approach to taking businesses to the next level using the power of business choreography.

This episode talks about:

• ​How Michael took his professional ballroom dancing experiences to the next level of entrepreneurship.
• Challenges in  preparing to exit your business
• The importance of having an exit strategy for your business
• Importance of delegating responsibilities and letting go to scale your business
• Short-Term Thinking vs Long-Term vision in a business setting
• What does retirement look like for you when exiting your business?
• How to find investors for small privately held businesses?
• What are some advantages of investing in small private businesses compared to investing in the stock market?
• Different types of investments you can make, such as equity/debt positions
• Advantages of passive investing,
• Is buying an existing business more predictable than starting one?
• Leveraging your dividend-paying whole life insurance policy to buy or invest in privately held businesses. What are the tax advantages when doing this?

To connect with Michael Johnson and to learn more about investing in small businesses, please visit:

Junie Moon is a transformational coach, helping people lower the volume of their inner critic so they can create powerful, successful lives. She's been on News 12 New Jersey, Blog Talk Radio Authority Magazine, Thrive Global, and in the Newark International with her film Shed The Shame that She produced and starred in.

Jamie P. Hopkins is the Managing Partner of Wealth Solutions at Carson Group. He also serves as Finance Professor of Practice at Creighton University’s Heider College of Business.

A nationally recognized writer and researcher, Jamie is a regular contributor to Forbes, InvestmentNews and MarketWatch. A highly sought-after speaker in the financial services industry, Jamie has also been featured on Wall Street Journal podcasts, NPR radio and Fox radio, and has made multiple appearances for NBC10 Philadelphia, PBS and USA Today.

He’s been published in dozens of financial, educational and legal journals and developed educational materials for The American College’s CFP®, CLU®, ChFC® and RICP® programs, along with CE programs for attorneys.

Jamie is the author of “Rewirement: Rewiring The Way You Think About Retirement,” which released its second edition in 2021. Additionally, Jamie has co-authored three text books and has two ebooks on Retirement Planning, “Retirement Success In 10 Steps: How To Stretch Your Dollar To Last Through Your Golden Years” and “Retirement Risks: How To Plan Around Uncertainty For A Successful Retirement.”

Jamie was selected by InvestmentNews as one of the top 40 financial services professionals under the age of 40 in 2015. And in 2017, he was selected by The American Bar Association as one of the top 40 young attorneys in the country. Jamie was also named a Lawyer of Distinction and elected to the prestigious role of an American Bar Foundation Fellow.

Before joining Carson, Jamie was an associate professor of taxation at The American College of Financial Services in the Retirement Income program, and served as the director of the New York Life Center for Retirement Income.

This episode talks about:

• Focusing on different parts or phases of retirement
• The importance of working with an experienced financial advisor
• The impact COVID had on retirement and retirement planning
• What has changed in retirement planning between 2020 and 2022?
• Shifting your mindset to living more meaningfully in retirement vs your current relationship with money.
• What key factors should you consider when planning for retirement?
• The difference between tax filing and tax planning.
• Who is Carson Group and what do they specialize in?
• What is a family office? Are we seeing this more often in financial planning?
• A different perspective/rewirement on retirement
• Jamie’s current and new books he has authored.

To connect with Jamie P. Hopkins and to know more about Carson Group,  please visit:

Mark is a CERTIFIED FINANCIAL PLANNER™, a three-time #1 Best Selling Author and the owner of Lake Growth Financial Services, a financial firm in Chicago, Illinois. As co-host of the Not Your Average Financial Podcast™, he shares some of his strategies for investing in real estate, paying for college without going broke, and creating an income in retirement you will not outlive. Mark works with people who want to grow their wealth in ways that are safe and predictable, to become their own source of financing, and create tax-free income in retirement.

This episode talks about:

• The importance of working with a certified Bank On Yourself ® Professional.
• What is a Bank On Yourself ® Professional?
• What does it take to become a Bank On Yourself ® Professional?
• What makes a dividend paying whole life policy “properly structured”?
• Cash value whole life insurance vs. indexed universal life Insurance?
• What are the disadvantages of Indexed universal life insurance?
• What is annual renewable term (ART) insurance and how does this impact the growth of your cash value?
• The benefits of a dividend-paying whole life insurance policy structured the Bank On Yourself ® way.
• Borrowing against your cash value and why this helps you retain your wealth
• What is Arbitrage?
• Learn to grow the same money in multiple places

To connect with Mark Willis and learn more about becoming a Bank On Yourself Professionals, please visit:

Matthew Shields is a self-taught entrepreneur, real estate investor, author, and podcast host. He has a great passion for business which led him to founding Virtus Technology, a digital transformation company, and Virtus Property Group, a multifamily investment company.

He also co-founded Significant Lifestyle Communities, his 2nd multifamily investment/property management company. Matt is the host of The Secret Sauce Podcast.

This episode talks about:

• Who is Virtus Technology and how do they help businesses with digitization?
• What does it mean to digitize a company?
• How do companies benefit from digitalization?
• Matt’s background in real estate investing and syndication.
• Differences between raising capital from accredited vs non-accredited investors
• The impact of a recession on the housing market.
• How does multifamily real estate react to inflation?
• Why is multifamily a great hedge against inflation?
• The advantages of investing in real estate (compared to other assets) .
• Leveraging real estate assets for other investments and businesses

To connect with Matthew Shields, please visit:

Today we have the Co-Founder and Chief Operating Officer of Waalaxy, Guillaume Portalier. He went from $0 to $6M ARR, from 0 to 10k clients worldwide, and from 4 to 30 people, in less than 3 years. Guillaume is passionate about growth & entrepreneurship.

If you're interested in growing your business using LinkedIn, and or starting a tech company, Then you'll get a lot of value out of this episode.

This episode talks about:

• Guillaume’s background in consulting and how this led him to start his own company
• The Waalaxy software and its key features
• ​How automation can allow outreach without exhaustion
• Who are Waalaxy’s primary users?
• Cold emails versus email marketing.
• The similarities and differences between Waalaxy and LinkedIn Premium.
• Can you actually run and grow a business without investors and shareholders?
• What are the common obstacles for a startup business and how to overcome them?
• Techniques for running a business on a low budget
• How to manage and run an international software service company?
• The advantage of having an in-house software developer instead of hiring a third-party provider.
• Waalaxy’s goals in the next 5 years
• Key components when starting an IT company

To connect with Guillaume Portalier and learn more about prospecting and automation, please visit:

👉Linkedin: ➡️https://www.linkedin.com/in/guillaume-portalier-waalaxy/

👉✨👌Get 2 months free when you sign up using this link ➡️

Ray Drew has dedicated his entire professional career to helping small business owners navigate through the intricacies of SBA borrowing. His job is to structure a customized loan solution that meets the unique needs of the business and guide the entrepreneur through the process.

Ray’s current role is Managing Business Development Officer at Fund-Ex Solutions Group, one of 14 licensed non-bank SBA 7(a) lenders. He is the Host of The Art of SBA Lending Podcast and he just launched a YouTube Channel for entrepreneurs seeking credible information about SBA 7(a) loans called SBA Ray.

This episode talks about:

• ​​The difference between bank and non-bank lenders
• What to consider before applying for an SBA loan?
• Difference between SBA 7a and 504 loans?
• Typical terms and requirements for SBA loans
• The maximum loan amount under 7(a) SBA loans? SBA 504 loans?
• Do SBA loans require a personal guarantee?
• What types of small businesses receive the most SBA funding?
• If you are buying a business, how much financing can you get?
• Common reasons for why SBA loans get denied.
• The increase in business acquisitions over the last 2 years and how SBA finance plays a role in acquisitions
• The average interest rate for SBA loans? Understanding how interest rates work with SBA financing.

To connect with Ray Drew and learn more about SBA loans, please visit:

Victor Pierantoni is a coach, lifelong martial artist, and philosophy enthusiast. His path as a coach was inspired from losing his mother when he was seven years old to cancer. This devastating experience taught him to cherish those he loves while training himself mentally and emotionally to be ready for the inevitable battles that life would throw his way.

Victor specializes in helping creative business owners and high performance achievers  accomplish a lifetime of therapy in a day so they can shed the weight of unresourceful emotional conflicts, quickly and effortlessly.

He guides them to cultivate unshakable inner peace so they can transform life as they know it and operate at their highest level of contribution. He began his coaching career working full time as the resource coach for one of the largest coaching organizations on the planet, Robin's Research International, or as most people know the brand -  Tony Robbins.

After three years at Tony Robbins, Victor went off on his own under his own brand, Zen Stoic, a modern hybrid philosophy of timeless wisdom inspired from thousands of years of Zen Buddhism and Stoic philosophies that leverage modern techniques to help people live a liberated life. Today, he has worked with all sorts of interesting individuals, including CEOs, celebrities, magicians, Navy seals, actors, NASA engineers, SpaceX engineers, and has also conducted speaking engagements at private corporate training nationwide

This episode talks about:

• The relationship between perception and projection
• Controlling emotions vs controlling your state of mind
• What does it mean to reframe your thoughts? What impact does this have on you and your business?
• Identifying what is included in your belief system
• Pivoting negative emotions to more purposeful and fulfilling emotions
• Ways to overcome negative thought patterns.
• Practical exercises for being more mindful of your thoughts.
• What is emotional debt and how do you free yourself from it?
• How to break free from limiting beliefs about money.
• Developing your subconscious mind to attract money.
• Hidden barriers you have embedded in your mind that may be the reason why you are not reaching your business/financial goals

To connect with Victor Pierantoni, please visit:

Leisa Peterson is The Mindful Millionaire Maker. As a coach, author, business growth strategist, and founder of Wealth Clinic, she helps people elevate their financial consciousness by realizing their true value and becoming financially empowered

This episode talks about:

• Leisa's background prior to coaching clients
• What does it mean to have a “scarcity mindset” and how does this affect your entrepreneurial journey?
• Key components when it comes to making financial decisions
• Where should business owners invest their profits?
• The difference between reinvesting in your business and investing in other businesses
• The importance of financial planning, especially with business owners
• Learning about yourself, money, and how you can create the life you truly want.
• The difference between a financial advisor and financial coach
• How Leisa could help you create this millionaire mindset and achieve your goals
• Learn more about Leisa’s book “TheMindful Millionaire​​”

To connect with Leisa Peterson, please visit: