Traditional financial planning centers on taking various levels of risk. We’re told the higher the risk, the higher the reward. But have you ever taken on a great deal of risk and not received a very hefty reward? Or taken on a small degree of risk and lost a lot of money?

And furthermore, where is it written that in order to make money, you need to lose 40, 50, 60 or even 70% of your wealth? This is exactly why we focus with our planning on avoiding the losses and making your money as efficient as possible.

When it comes to financial planning, we like to think of it more like an art than a science. There’s more than one right way to build and maintain wealth in your family. Not everyone needs to take on a ton of risk to become financially successful. In fact, a lot of people don’t even want to take risk.

That’s why we focus on avoiding the losses instead of picking the winners. And when we say avoiding the losses, it means more than just avoiding the market losses. We’re talking about losing opportunity costs, losing money to taxes, losing money to interest. It’s all of those things, but more importantly, losing control of your cash flow. And we always say whoever controls your cash flow controls your life.

Imagine you had a leaky bucket, a bucket with a ton of holes in it, and you had your income streaming in as the water. Wouldn’t it make more sense to plug the holes in the leaky bucket before turning up the income?

Think about this. Does it make sense to take a lot of risk on a small amount of money to hopefully get a high rate of return on that small amount of money? Or does it make more sense to make your money more efficient, so even if you’re earning a smaller rate of return, you’re guaranteed to earn that rate of return, and it’s on a larger pool of money.


And by getting a small rate of return on a large pool of money, you actually make your money more efficient because, number one, you’re avoiding the losses. And number two, you’re not taking risk.

Our process uses specially designed whole life insurance policies to help make your cash flow more efficient. We build up a pool of cash in these policies to help achieve your financial goals and make your money more efficient. We always talk about control, because controlling your cash flow and controlling your money and having liquidity use and control of that money is invaluable. And when you have control of your money and you have control over your cash flow, you literally have control over your life. And the feeling of freedom and independence can never be measured.

If you’d like to get started with a specially designed, whole life insurance policy designed for cash accumulation and mitigating risk, be sure to check out our website at to schedule your free strategy session today.

Or if you’d like to learn more about exactly how we put this process to work for our clients, check out our webinar, The Four Steps of Financial Freedom.

And remember, it’s not how much money you make. It’s how much money you keep that really matters.