Championship Wealth Can Help Protect You from the Biggest Dangers to Your Money

They include:

Increasing Taxes

Do you think that taxes in the future will be -Lower? The Same? Higher? ... most people believe that they will be Higher. Do you have the best plan to minimize your taxes?

Market Volatility

Having most or all of your money in the stock market can be very emotional. Do market losses keep you up at night? What if the market's timing doesn't fit your timing for accessing your money?

Inflation

Sometimes referred to as a "hidden tax", inflation always impacts our spending power. At times the rate of inflation rises rapidly and we notice it. At other times, it moves at a slower, steady pace, but either way the impact on our finances is significant

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THE TOP 7 REASONS WHY EVERYONE ISN'T DOING THIS

#1 - Lack of Education

Taking Control of Your Financial Future

Let’s be honest—most people (including some financial professionals and insurance agents) aren’t willing to put in the time to truly understand this strategy. In fact, if you're reading this now, you're already ahead of the curve. Many never even make it this far—so congratulations.

The truth is, a lack of financial education is often the root cause of financial struggles. People tend to spend more time planning their next vacation than mapping out their long-term financial future.

That’s why we choose to work exclusively with individuals who are committed to taking ownership of their future—and who are willing to invest the time to get educated.

Unfortunately, a common pattern we see is that many Americans never look beyond their employer-sponsored retirement plans. In many cases, their only guidance has been choosing between a few pie chart allocations—hardly a comprehensive financial strategy.

There’s no substitute for understanding how max-funded, tax-advantaged insurance contracts—also known as LASER Funds—can play a role in a well-rounded financial plan.

To avoid the learning curve, some turn to a friend, a family member, or even a financial advisor they trust—someone who may not be familiar with this unique and advanced strategy. That’s like asking a dermatologist to perform heart surgery. When it comes to your financial well-being, it’s critical to consult with the right experts.

#2 - These Policies Take Experts to Implement

Work with Specialists, Not Generalists

Just as you wouldn’t expect a general practitioner to perform brain surgery, you shouldn’t rely on a typical insurance agent to structure a max-funded, tax-advantaged insurance contract.

These policies are complex and require deep expertise. Properly designing them involves a combination of technical knowledge, strategic thinking, and experience—similar to the training a physician undergoes to become a specialist.

As an IUL Professional, I have trained with the top experts in the country when it comes to max-funded insurance strategies. When you work with me, you can be confident I am among the most qualified minds in the industry are focused on your financial future. Because when it comes to your retirement, why settle for anything less than the best?

#3 - Insurance is an Un-fun Word

We Get It—Insurance Isn’t Exactly Exciting

Let’s be honest—no one wakes up thinking, “You know what I really want to do today? Dive into insurance.” In fact, it probably ranks high on your list of things you’d rather avoid altogether.

It’s totally normal. Most people don’t get excited about learning how insurance works. And yet—here I am, telling you that insurance, when structured the right way, can be one of the most powerful tools in your financial toolkit.

Surprising? Maybe. But once you see what it can really do, you might just change your mind.

#4 - These Insurance Policies Are Mislabeled as Expensive

Many traditional financial planners often dismiss this type of insurance as expensive, yet they typically lack a true understanding of how properly structured policies can outperform stocks, bonds, municipal bonds, and mutual funds—especially when tax implications are considered.

It's true that these insurance policies can carry unnecessary costs if they are not designed and funded appropriately. However, when structured correctly, they serve as long-term cash accumulation vehicles—typically over a period of five years or more—optimized for superior growth potential.

When implemented properly and funded consistently over time, the actual costs can be quite low, particularly when comparing the cost of insurance to the gross rate of return. Proper structuring means purchasing the minimum amount of insurance necessary to remain compliant with IRS guidelines, thereby maximizing the cash value component.

It's important to note that most traditional financial advisors earn fees based on a percentage of assets under management. In contrast, insurance professionals do not earn ongoing management fees from the insurance company for these types of policies. As a result, traditional advisors often stand to earn significantly more over time managing a client’s investments than an insurance professional who helps structure a single policy.

#5 - People Generally Think Short-Term

Why Long-Term Thinking Wins

By default, human beings aren’t wired for long-term thinking. We live in an age of instant gratification—driven by technology, social media, and a culture that prioritizes short-term results over lasting outcomes.

If you're looking for "get rich quick" solutions, insurance isn’t your answer. This strategy is designed for disciplined individuals who understand the value of long-term planning—typically over five years or more. It’s not about which investment grows the most on paper. What matters is how much

net spendable income you’ll have when you need it most—especially in retirement. That’s where max-funded, tax-advantaged insurance contracts shine.

I can clearly demonstrate how a properly structured, max-funded insurance contract—earning even a consistent 8%—can outperform traditional IRAs or 401(k)s, even if those accounts earned 12% to 16%. Why? Because of the powerful

tax-favored treatment

of these contracts.

When it comes to financial planning, it’s not just about what you earn—it’s about what you keep.

#6 - This Isn't for Everyone

I’m not here to convince you to invest in something you don’t want or need. In fact, it may surprise you to know that this strategy isn’t for everyone.

As an IUL Specialist, I believe that clients should also use strategies outside of max-funded insurance because they have different needs above and beyond what a LASER Fund or MFTA insurance contract can do. Some want predictable income or guaranteed cash flow for five or 10 years, or even a lifetime. Thus, other products may be better suited for their financial needs—those that can perform with a 6, 7 or 8% effective yield—although they are not tax-free like the max-funded, tax-advantaged insurance contract.

Some of our clients use strategies outside of max-funded insurance due to health or age restrictions. However, you may be surprised to learn how many still qualify and use (MFTA) insurance even though they have pre-existing health conditions.

#7 - You Must Have Assets

This strategy is perfect for those who have accumulated substantial nest eggs for retirement who are looking for safer and more secure financial options that provide liquidity and tax-advantaged, predictable rates of return. If you don’t have substantial cash accumulated, we don’t recommend that you own an MFTA insurance contract unless you can put aside at least $500 a month into a policy. If you’re not at this level of discretionary savings, a max-funded, tax-advantaged insurance contract isn’t for you yet.