Wealth Talks
Episodes
Is Social Security Bankrupt
23 Jun 2020
Contributed by Lukas
Originally called "old-age insurance protection", Social Security was supposed to be a supplemental form of income for those who had not saved enough....
Why would anyone want to be a banker?
17 Jun 2020
Contributed by Lukas
We've probably all heard the term Becoming Your Own Banker. Why would anyone want to be a banker? Aren't bankers the professionals? Why not just let t...
Back to the Basics
09 Jun 2020
Contributed by Lukas
A brilliant Chemist once said he enjoyed going back and teaching Chemistry 101. Why would he enjoy teaching something that was obviously elementary fo...
Are Life Insurance Companies still willing to sell Life Insurance due to COVID19?
02 Jun 2020
Contributed by Lukas
Recently a few articles have made their way into the news about Insurance Companies turning down would be purchasers due to the COVID19 Pandemic. Perh...
Are Life Insurance Companies strong coming out of the COVID Pandemic
27 May 2020
Contributed by Lukas
Recently there have been some sensational articles in the media suggesting life insurance companies are facing tough times with the financial crisis c...
Riding a Bicycle and good Money Management
19 May 2020
Contributed by Lukas
He straddled the bicycle for the first time, set his feet on the pedals and rode serenely away into the glowing sunset. Oh if only it was that easy! I...
What are you worth?
12 May 2020
Contributed by Lukas
What are you really worth? Americans used to save over 14% of what they made, but now Americans are hardly saving at all. Many people don't feel they ...
Investment Opportunities
05 May 2020
Contributed by Lukas
If you're interested in investment opportunities, take the time now to begin preparing and learning everything you can about the process. For example,...
Special guest George Gilder ... Will the economy ever return?
28 Apr 2020
Contributed by Lukas
The economy is down, businesses are closed and people are left unemployed as the quarantine lockdown continues. Will the economy ever recover? Today o...
Annuities and SBA Loans
21 Apr 2020
Contributed by Lukas
Annuities can be good if you know how to use them. But what are some good strategies for using annuities? Today Tom and John explore different ways yo...
What is the Economy?
14 Apr 2020
Contributed by Lukas
We all think we know what the economy is… but do we really? What is the origin of the word economy? What does it mean? Does it pertain to you as muc...
Risk Tolerance... or Loss Aversion?
08 Apr 2020
Contributed by Lukas
Risk Tolerance is a phrase that gets thrown around a lot in the typical financial world. Your risk tolerance is defined as the degree of variability...
The Corornavirus brings on a Black Swan
31 Mar 2020
Contributed by Lukas
The market has plunged rapidly into a black swan, and a black swan is where typical financial planning fails. Typical financial planning tells you jus...
Keep On Winning When You Win
30 Mar 2020
Contributed by Lukas
Some people have a big win followed by a devastating loss. Sometimes the loss even nullifies the win. Have you seen it? It's the classic example o...
Can you trust your financial plannning strategy?
24 Mar 2020
Contributed by Lukas
The market is a mess. Stocks are down, the Dow is down, the S&P 500 is down. Are you happy with your strategy for financial planning? Or does it feel ...
Pitfalls of Typical Fiancial Planning
18 Mar 2020
Contributed by Lukas
Typical financial planning has failed, leaving many dependent on social security. 401Ks, simple IRAs and other Tax Qualified Plans, are the "golden go...
Clocks and Life Insurance Policies
10 Mar 2020
Contributed by Lukas
Today on Wealth Talks Michele joins Tom and John… and so does Mr. Higgins! Well, sort of. Poor Mr. Higgins lives in a book and has a clock but can...
Tax Advice from a former IRS Auditor
03 Mar 2020
Contributed by Lukas
How can you tell if you're paying more in taxes than you should be? Can section 199A really give businesses a leg up? What about the Secure Act? Is Li...
Health is Wealth with OHS
25 Feb 2020
Contributed by Lukas
Health is indeed a part of Wealth. And with so many options for diets and supplements in today's world, where do you even start to start? Do nutrition...
Planning for Retirement
18 Feb 2020
Contributed by Lukas
There are many Retirement Calculators out there, insert your numbers and Ta-Dah! The calculator spits out how much money you need to have in order to ...
The Fedral Reserve and the Stock Market
11 Feb 2020
Contributed by Lukas
The Federal Reserve has been artificially lowering interest rates for years. This has been driving up the cost of stocks, far beyond their economic va...
What Is Your Financial Risk Tolerance?
04 Feb 2020
Contributed by Lukas
Risk tolerance is a big term in typical financial planning. Basically, risk tolerance is the amount of nerve you have to watch your investment portfol...
Why 401(ks)s aren't Making Americans Wealthy!
28 Jan 2020
Contributed by Lukas
How is wealth created? According to George Gilder, there are three things that create wealth. (Listen to find out) People who put money in a 401(k) li...
Money and Politics Meet again
22 Jan 2020
Contributed by Lukas
Governments and central banks are taking the low road. They are attempting to artificially stimulate the economy by implementing negative interest rat...
How to Save More Money in 2020
14 Jan 2020
Contributed by Lukas
Most people think saving money is about cutting lifestyle and luxuries. This is certainly one way to save, but it is not the only way because where yo...
The Secure Act
07 Jan 2020
Contributed by Lukas
he SECURE Act was signed into law by President Trump on December 20, 2019. Here are some key changes you should know as you plan for retirement: Gener...
Financial Independence in 2020
31 Dec 2019
Contributed by Lukas
Can you really eliminate the control of Banks and Financial institutions in your life by using Life Insurance? Or should you own Life Insurance for di...
Investment Grade Life Insurance - What You Need to Know
24 Dec 2019
Contributed by Lukas
What are people talking about when you hear the term "Investment Grade Life Insurance"? Answer: It can be just about any type of life insurance under ...
Group Life Insurance Plans - What You Need to Know
18 Dec 2019
Contributed by Lukas
Should you rely only on Group Life Insurance through your employer? Or does it make sense to combine your group coverage with individual coverage? Wha...
Protecting Your Wealth through a Mutual Community
11 Dec 2019
Contributed by Lukas
Stories from the Plymouth Pilgrim colony and the modern Farming community help to explore the way Socialism differs from Mutual Assistance, Mutual Org...
Capitalism vs Socialism and Why You Should Become Wealthy
03 Dec 2019
Contributed by Lukas
What you need to know about government, money systems and market environments to build sustainable wealth - we make it all easy for you. Understanding...
Income Driven Repayment Options for Your Student Loan
27 Nov 2019
Contributed by Lukas
You've heard of income-based repayment aka income-driven repayment plans for student loans. Do they apply to you? How do you know what income driven p...
Wealth Redistribution
19 Nov 2019
Contributed by Lukas
From the story of the Tower of Babel in Genesis, through Greek Culture, even through the Dark Ages, and now through modern day Marxism in America, hum...
Life insurance policy loans and withdrawals (tax consequences and details your agent may not have told you)
12 Nov 2019
Contributed by Lukas
Did you know, that a withdrawal from any type of Universal life insurance policy, is substantially different than a withdrawal from a Whole life insur...
Special Interview on the Wealth Cruise with Dr. John Bergman and Krish Dhanam
06 Nov 2019
Contributed by Lukas
Conversation with Krish Dhanam and Dr. John Bergman highlighting some of the wonderful experiences and content from the 2019 Wealth Cruise.🚢 Fro...
New Health Insurance Options for 2020
29 Oct 2019
Contributed by Lukas
🗓 Open Enrollment for Health Insurance starts Friday November 1st running through December 15th 2019. Special guest Jack Hooper from Take Command H...
Indexed Universal Life Insurance (IUL): How it Works and What You Need to Know
16 Oct 2019
Contributed by Lukas
🗞Everything you need to know, and probably more than you'll ever need to know, about Indexed Universal Life Insurance (IUL). Universal Life Insuran...
Free is Never Free because there is Always a Cost
15 Oct 2019
Contributed by Lukas
19 out of 20 Americans with a 401(k) are paying fees of some sort whether they know it or not. 😰 Even if the account, or advisor, does not charge a...
T Boone Pickens and Premium Financing with Oklahoma State University
08 Oct 2019
Contributed by Lukas
Best known as a billionaire tycoon and a hostile corporate takeover entrepreneur, T. Boone Pickens was an amazing person with great financial sense. B...
4 Financial Questions answered and the #InternationalPodcastDay Winner Is...
01 Oct 2019
Contributed by Lukas
Today is #InternationalPodcastDay! And we have a winner for the Beats Solo3 Wireless headphones - announced during this show. Thank you for partici...
How to Maximize Policy Growth
24 Sep 2019
Contributed by Lukas
How do you maximize growth in your policies (and outside your policies) with strategies like the Infinite Banking, Bank On Yourself or The Perpetual W...
How to "Budget" for Your Prosperity and Wealth
17 Sep 2019
Contributed by Lukas
Many budget systems give you a good feeling as you start, but cannot produce the sustainable results you need to build real prosperity. As an example ...
Becoming Wealth Fit with special guest and client Dustin Matthews
10 Sep 2019
Contributed by Lukas
Special guest Dustin Mathews from WealthFit has seen people MAKE a lot of money in the Speaking & Marketing world, but KEEPING that money is another s...
You Don't Have to Lose Money IF You Don't Gamble with Risk
03 Sep 2019
Contributed by Lukas
Compounding is wonderful when it's working continuously for you - and not so wonderful when large losses interrupt the process. But you don't have to ...
Krish Dhanam - How Your World View Affects Your Thinking and Wealth
27 Aug 2019
Contributed by Lukas
Few people in the world can define and highlight, social paradigms so clearly as Krish Dhanam, your special guest on this show. Krish is entertaining ...
How to Manage The Money in Your Marriage
21 Aug 2019
Contributed by Lukas
Strife over money is the #1 reason couples bring up as they file for divorce in America. The amount of money involved doesn't seem to be a significant...
What is Truth? A Historic Question Critical to Your Prosperity
13 Aug 2019
Contributed by Lukas
Truth has been so distorted, and redefined in our world that it's easy to wonder if there really is absolute "truth" anymore. Experts tell people to e...
Avoiding Loss Can Be More Important than Making Profits
06 Aug 2019
Contributed by Lukas
In the 1970's DMSO was very popular with athletes🏃🏽♂️but you had to go to the vacuum store to get it. Where is DMSO today? What about oth...
Choices and More Choices - Where are the Guarantees?
30 Jul 2019
Contributed by Lukas
Life Insurance, Index Funds, Mutual Funds, Low Fees, Lower Fees, - hey even Negative Fees now! 💫 Risk, Risk Management, Risk tolerance... how in th...
Special history about the Apollo 11 Astronauts & Life Insurance Mortality Table Updates
23 Jul 2019
Contributed by Lukas
In this episode: Life Insurance Companies are updating their products for the latest 2017 CSO Mortality tables (CSO = Commissioners Standard Ordinary)...
Should You Defer Taxes or Keep Your Money and Never Pay Tax Again?
16 Jul 2019
Contributed by Lukas
Deferral has been called "magic" 🎩 in the financial world. Deferral can help you accumulate more money, but will it actually provide you more money...
Recover the Cost of Caregiving by Family Members
10 Jul 2019
Contributed by Lukas
Did you know that nearly 3 out of every 10 people provide care for chronically ill, disabled or aged members of their family? 😨 It's true, and more...
Financial Freedom for you Retirement Income Strategy
02 Jul 2019
Contributed by Lukas
Happy Independence Day! 🇺🇸 It's a great time to consider how you exercise your Financial FREEDOM. Financial planning used to be simple. Today th...
Why You Don't Want to Buy Term and Invest the Difference
26 Jun 2019
Contributed by Lukas
A L Williams popularized the concept of "Buy Term and Invest the Difference" in the 1970's. When market returns are looking good this concept seems to...
Life Insurance Policy Loans to pay Premiums – Should You DO This?
18 Jun 2019
Contributed by Lukas
Catch this Special Interview with Alex. Alex contacted our office for some policy reviews after his agent told him "let policy loans pay your premiums...
Stock or Mutual Insurance Company?
11 Jun 2019
Contributed by Lukas
Most public facing insurance companies today are organized as stock-held companies. 🏢 Many mutual carriers have reorganized as mutual holding compa...
Can You Really Make Money by Taking a Vacation?
04 Jun 2019
Contributed by Lukas
Some gurus say you can "make money" by taking a vacation financed by a policy loan, but is this really true? 🤨 Taking a vacation is an obvious expe...
What Type of Life Insurance Do You Really Want?
28 May 2019
Contributed by Lukas
Some advisors tell you to Buy Term Life Insurance and Invest the Difference, but there is a better way (no secret). 🤔 Some advisors tell you to Buy...
Are You Managing Risk by Hiding It Instead? Don't let this Bite You!
21 May 2019
Contributed by Lukas
Did you know, that successfully avoiding risk can be more important to your wealth than finding great returns? ⚠️ But most people (including finan...
Cut Through the Fluffy Marketing to Build Your Wealth Securely
14 May 2019
Contributed by Lukas
You will hear all sorts of fluffy marketing terms when it comes to building wealth with life insurance. 🎧 Listen for tips on how to cut through to ...
How are Numbers Looking on Actual 2018 Tax Returns?
07 May 2019
Contributed by Lukas
Are you having to pay more income tax for 2018 than you planned?🇺🇸 Jack Cohen CPA joins us for a quick interview to share what he's seeing as 20...
Should You Do a 1035 Exchange?
30 Apr 2019
Contributed by Lukas
Similar to a 1031 exchange in Real Estate 🏘, a 1035 exchange lets you avoid tax and transfer your "cost basis" when exchanging life insurance polic...
Vacation on the Wealth Cruise in October 2019
23 Apr 2019
Contributed by Lukas
🛳 Come experience the Wealth Cruise Oct 19-26th 2019! Launching from Ft. Lauderdale, FL and touching ports in St Thomas, Grand Turk, Half Moon Cay,...
What You Should Know About Disability and Long Term Care Insurance
17 Apr 2019
Contributed by Lukas
Wikipedia reveals 91 different types of insurance 😲 - many of them you will never need. Life Insurance gets high attention on this show with good r...
Life Insurance Lingo Made Easy
09 Apr 2019
Contributed by Lukas
What's the difference between direct and and non-direct recognition? Does it matter? 🤷♀️ How does Re-insurance protect policy owners and be...
Insurance Company Ratings and What they mean for You
02 Apr 2019
Contributed by Lukas
Come behind scenes and hear the reasoning around insurance company ratings, portfolio management, dividends and what it all really means for you in th...
Would You Take a 5% Average Rate of Return?
27 Mar 2019
Contributed by Lukas
You will love this entertaining and useful example of a 5% average rate of return! 😯 And you'll never think the same way about AVERAGE returns agai...
When trying to get ahead can put you behind
19 Mar 2019
Contributed by Lukas
When first hearing about The Perpetual Wealth Code™ you might wonder if you need to do something else first. Do you need to SAVE first? Or PAY OFF D...
How to Keep More of The Money You Make
12 Mar 2019
Contributed by Lukas
Recent questions reveal a natural perspective around using participating whole life insurance to build your wealth. Discover how policy loan interest ...
A Huge Inheritance to Massive Debt and now Financial Freedom - Mark Dealy's Journey to financial success
05 Mar 2019
Contributed by Lukas
How You can Benefit from Life Insurance Company Profits
27 Feb 2019
Contributed by Lukas
Everyone knows life insurance companies make good money, and they don't share profits with all policy owners. Neither do all policy owners get equal b...
How to get Guarantees for Your Financial Future
19 Feb 2019
Contributed by Lukas
Did you know there have been 29 market corrections of 10% or more over the last 50 years? That averages out to more than one every 2 years and this vo...
Interview with Special Guest Krish Dhanam- A New Movie and The Wealth Cruise
13 Feb 2019
Contributed by Lukas
Filmed on location in India 🇮🇳, with a top-quality production spanning 5 continents - The Least of These (movie) 🎬 was released in US theater...
Exposed! Pressure Tactics around Life Insurance
06 Feb 2019
Contributed by Lukas
There's a big difference between quality motivation and high-pressure sales tactics often used by insurance salespeople. Here's what you need to know ...
How to Payoff Debt
30 Jan 2019
Contributed by Lukas
Financial entertainers 🤑 will tell you that you need to "cut out your coffee" ☕️ to get out of debt, save for your future and become a milliona...
How You can Save More Money using HRAs and HSAs
22 Jan 2019
Contributed by Lukas
There's a lot of "alphabet soup" 👀 surrounding HRAs (Health Reimbursement Arrangements), HSAs (Health Savings Accounts) and FSAs (Flexible Spending...
Over $10 Trillion and many Americans are directly exposed to this Crisis
15 Jan 2019
Contributed by Lukas
You may remember the iconic character, Mr. Toad the motorcar fanatic 🚘, from Kenneth Grahame's classic Wind in the Willows. What you may not know i...
Something you can learn from Southwest Airlines
08 Jan 2019
Contributed by Lukas
Did you know Southwest Airlines made a profit every year while other airlines were struggling in a post 9/11 world? ✈️ Could war strategy books he...
How to Build Financial Strength and Security in 2019
01 Jan 2019
Contributed by Lukas
Did you know that 2018 was the worst year in the US stock market since 2008? Learn from 2018 and build a resilient toughness 💪 into your financi...
Why you need to prepare your children to manage money like Warren Buffet
25 Dec 2018
Contributed by Lukas
Did you know that Warren Buffett's first business venture started at age 6? And at age 11 he was working in his father's brokerage firm. Listen for th...
Do You Have a Friend Selling Indexed Universal Life Insurance?
19 Dec 2018
Contributed by Lukas
But IUL is no way to get great guarantees on your money. If you want to help your friend, you might even be able to pay them the commission they wo...
Q&A with some bonus Christmas Shopping tips
11 Dec 2018
Contributed by Lukas
Shopping for Christmas, Birthdays and other celebrations can be fun, and sometimes tough too. Some people go into debt this time of year.😟 And mayb...
13 Years ago we came home to robbers in our house. What we learned would change our life and financial thinking forever
04 Dec 2018
Contributed by Lukas
13 years ago we came home to Robbers in our House. What we learned, would change our Life and Financial Thinking forever It was a dark, drizzling drea...
Is Premium Financing a Good Idea?
27 Nov 2018
Contributed by Lukas
Premium Financing promotions seem to be all over the place today! But with so many moving pieces 🎲 are they really the best idea for you and your f...
Comparison of Healthcare Sharing Options
20 Nov 2018
Contributed by Lukas
Many people are looking beyond traditional health insurance to faith-based healthcare sharing ministries. ⛪️ Not only can you stand up for the hea...
Life Insurance Made Easy
14 Nov 2018
Contributed by Lukas
Ever feel like you're trying to decipher Mandarin Chinese when it comes to Life Insurance? 🤔 Each industry and niche has a special set of terms, an...
Is Life Insurance a Good Tool for You to use to Build Wealth?
06 Nov 2018
Contributed by Lukas
Some people love it.😍 Some hate it.😡 Explore the value of life insurance in your financial plans and how to integrate this tool to maximize your...
Saving Money on Your Health Insurance
30 Oct 2018
Contributed by Lukas
Health Insurance Made Easy with Special Guest Jack Hooper Open Enrollment for 2019 Health Insurance is just around the corner! (November 1st - Decembe...
Wealth Workshops coming to Your area in 2019
23 Oct 2018
Contributed by Lukas
In 2019 we'll be hitting the road for workshop events around the USA. You can submit a request for your area on our website here www.life-benefits.c...
Question from Live Audience at the Wealth Summit
15 Oct 2018
Contributed by Lukas
Today on Wealth Talks, join Tom, John, and Michele McFie as they take questions from the live audience at the Wealth Summit. Learn about the Perpetual...
The New 2018 Tax Laws with CPA Jack Cohen
09 Oct 2018
Contributed by Lukas
If you ever get the dreaded "brown envelope" from the IRS, you want someone like Jack Cohen CPA on your side of the table. Jack worked for the IRS for...
Catching the Right Attitude to Create Wealth
02 Oct 2018
Contributed by Lukas
Mark Dealy will be sharing his Perpetual Wealth Code™ journey at the Wealth Summit this year! Today on Wealth Talks you get a personal insight into ...
Interview with Famous Physician Dr. John Bergman
01 Oct 2018
Contributed by Lukas
"So many people spend their health gaining wealth, and then have to spend their wealth to regain their health." -A.J. Reb Materi More and more people ...
"America's Rabbi" Daniel Lapin shares secrets with you on how to grow your wealth
25 Sep 2018
Contributed by Lukas
Growth and expansion is REQUIRED - not optional. Trying to keep your family or business the same size guarantees only one thing - that it will shrink....
Protecting Your Assets from Lawsuits and Catastrophe
19 Sep 2018
Contributed by Lukas
4 tools everyone should use in their personal legal foundation because…what you KEEP is more important than what you MAKE.💰 Special guest Attorne...
How Much Should You Be Saving for Your Future?
11 Sep 2018
Contributed by Lukas
Is 10% of your income enough to be saving for your financial future? Should you be saving more? There is a way to save more by quickly converting your...
How to Prepare for Oppurtunity with Dr. Terryl Wolfswinkel
05 Sep 2018
Contributed by Lukas
Thomas Edison once said that "Opportunity is missed by most people because it is dressed in overalls and looks like work." How true! As Brian Tracy ha...
Stock Options Trading with Special Guest Max Ponzone
28 Aug 2018
Contributed by Lukas
Growing up in Argentina in the late 1980's, Max Ponzone started trading currency through a local exchange with a friend at age 9. Escaping the economi...
How much will you need for Retirement?
21 Aug 2018
Contributed by Lukas
What a loaded question! So many variables - and most likely, some still unknown. But it is important to have some idea of where you want to go so you ...
Ideal Candidates for the Perpetual Wealth Code
14 Aug 2018
Contributed by Lukas
With the stock market raging, unemployment being lower than it has been in years, and the economy performing better than it has for a very long time, ...