Truly Diversified

What if you could invest the exact same way Warren Buffett does without needing millions?In this episode of Truly Diversified, retirement strategist Ben Mohr breaks down how the ultra-wealthy use life settlements to generate competitive returns with no stock market risk. For decades, hedge funds, banks, and major institutions have quietly bought life insurance policies as assets… and now, for the first time, everyday investors can finally do the same.Ben reveals how direct policy ownership works, what kind of returns are possible, how life expectancy reports guide the process, and why buying the actual asset (instead of a fraction of a fund) means even bigger upside. If you’ve ever wondered how to play the game the 1% plays, this episode shows you exactly how.Timestamped Highlights[00:00] – Why CDs and annuities leave investors frustrated long-term[00:00:44] – How the market swings impact returns in ways you can’t control[01:00] – Why the wealthy invest outside the market[01:23] – How life settlements actually work[01:40] – What an 82% return looks like inside a life settlement fund[02:18] – The game-changer: direct policy ownership[03:00] – How Warren Buffett buys policies and waits for payouts[04:00] – Cutting out the middle layer and doubling potential returns[05:14] – What servicing a direct policy looks like behind the scenes[05:54] – Example #1: $150K policy you can buy for $60K[06:29] – Life expectancy reports and what they reveal[08:22] – Expected timelines and real-world maturity patterns[08:51] – Example #2: $500K policy available for $130K[10:31] – Even if someone lives twice as long as expected… still profitable[11:34] – In nearly 3 decades, Ben has never seen a policyholder reach 100[12:55] – Real case study: a 4.5-year maturity on a 9-year expectancy[13:43] – How early maturities create 20%, 30%, even 40%+ APRs[14:26] – Smaller vs. larger policies: what changes and why[15:43] – How to start: $50K minimum for direct ownership[17:00] – Why accredited investors can now “play Warren Buffett’s game”Mentioned ResourcesLife Expectancy ReportsPrevious Episode About Life Expectancy ReportsEcho Life (Barry Neal’s company)AXA and Equitable (A-rated carrier)Universal Life PoliciesImportant LinksBook a call to speak with Ben: https://rebrand.ly/life-asset-consult Watch our webinar (no opt-in): https://rebrand.ly/ben-mohr-56b45e Grab our ebook here (no opt-in): https://rebrand.ly/life-asset-ebook Truly Diversified is an original podcast brought to you by Ben Mohr. Production and editing by Podcast Your Brand.

Ben sits down once again with Barry Neal, CEO of Equity Life LLC, to break down real-life performance from this year’s life settlement maturities. If you’ve ever wondered whether life settlements actually deliver competitive returns without stock market risk, this is the episode to listen to. Barry walks through four actual maturities from 2025, including one that doubled its life expectancy, one that paid out early, and a headline-making $3 million payout that delivered a 20 percent annualized return for investors. It’s a rare behind-the-scenes look at how these portfolios behave across the full spectrum: the early wins, the on-time cases, the long-tail maturities, and what happens to reserves when policies mature ahead of schedule.Timestamped Highlights00:00 Why life settlements work even when the market is shaky00:19 Ben reintroduces returning guest Barry Neal of Equity Life LLC01:10 What EquiLife actually does and how investors buy policy fractions01:28 Snapshot of this year: 4 maturities totaling over $5M paid out03:34 Policy #1: Expected 3-year LE… matured at 6 years… still a 5–7% APR09:49 Policy #2: Expected 8 years… matured in 6… about a 13% APR12:20 Policy #3: Expected ~35 months… matured in 38 months… about a 10% APR14:45 Policy #4: The big one… $3M payout… matured in under half the expected time15:15 Why that early payout produced a 20% APR17:03 Inside the 2023 round: previous maturity delivered ~33% APR18:17 Why investors in that round already recovered 94% of their original principal22:11 How reserve funds from early maturities boost returns & reduce premium-call risk25:40 Why spreading your capital across multiple portfolios improves blended APR28:40 The reality: longevity variance is rare across multiple policies29:54 Final recap of the year’s returns and what investors can expectMentioned ResourcesEquity Life LLCLife Asset LLCLife Advisor Solution (for agents)About the GuestBarry Neal is the CEO of Equity Life LLC, a California-based life settlement investment firm focused on building diversified life settlement portfolios for everyday investors. With nearly a decade of performance history and multiple multi-million-dollar payouts, Barry’s approach centers on transparency, actuarial discipline, and providing investors with a way to earn competitive returns without stock market exposure.🔗 LinkedInImportant LinksBook a call to speak with Ben: https://rebrand.ly/life-asset-consult Watch our webinar (no opt-in): https://rebrand.ly/ben-mohr-56b45e Grab our ebook here (no opt-in): https://rebrand.ly/life-asset-ebook Truly Diversified is an original podcast brought to you by Ben Mohr. Production and editing by Podcast Your Brand.

How much of your portfolio should go into life settlements and other alternative investments?In this episode of Truly Diversified, retirement strategist Ben Mohr breaks down his simple and effective 70/20/10 rule for smart portfolio allocation. He explains why most investors are overexposed to the stock market, how to think differently about diversification, and where alternative assets like life settlements fit into the bigger picture.You’ll learn how to balance market opportunities with predictable income streams, and how even 5–10% of your portfolio in life settlements can deliver competitive returns—without stock market risk or outside influences from politics, inflation, or global events.Timestamped Highlights[00:00] – The question every investor asks: “How much should I invest?”[00:00:45] – Why alternatives make people nervous and why they shouldn’t[00:01:21] – How traditional advisors make money through AUM fees[00:02:00] – What “decent returns without stock market risk” really means[00:03:49] – Why diversification inside the market isn’t true diversification[00:04:54] – The 70/20/10 rule: market, safe money, and alternatives[00:06:00] – What a safe money bucket looks like and the only annuity Ben recommends[00:08:00] – Turning part of your IRA into a personal pension plan[00:11:13] – Why safe money isn’t sexy but helps you sleep at night[00:11:50] – The 10% alternative bucket: life settlements explained[00:12:57] – Real payout examples: 10%, 12%, and 20% APRs from life settlements[00:14:20] – Why Ben starts clients at just 5% and never takes more than 10% total[00:16:00] – The key question: “Where is your worst-performing 10%?”Mentioned ResourcesEquity Life LLC payout case study (20% APR)Rule of 72 for compounding returnsFixed Indexed Annuity with Income Rider explanationImportant LinksBook a call to speak with Ben: https://rebrand.ly/life-asset-consult Watch our webinar (no opt-in): https://rebrand.ly/ben-mohr-56b45e Grab our ebook here (no opt-in): https://rebrand.ly/life-asset-ebook Truly Diversified is an original podcast brought to you by Ben Mohr and Podcast Your Brand. Production and editing by Podcast Your Brand.

What really happens if everyone lives to 150 or if your insurance carrier suddenly disappears?In this episode of Truly Diversified, retirement strategist Ben Mohr takes on two of the most common (and misunderstood) questions he hears at investor dinners: longevity risk and carrier stability. Drawing on decades of experience in the life settlements industry, Ben explains why both fears are statistically unrealistic and how data, history, and logic prove it.He walks listeners through real-world probabilities versus possibilities, how A-rated insurance carriers like New York Life are financially stronger than most major banks, and why the “what if” scenarios that worry new investors rarely play out in reality.If you’ve ever wondered how life settlements really work behind the scenes, this episode clears the air. Press play now to hear Ben’s straightforward answers to the most common fears about life settlements and find out why probability, not possibility, drives real investment success.Timestamped Highlights[00:00] – What a life settlement is—and why Warren Buffett buys them[00:02:30] – The dinner seminar that sparked this conversation[00:03:50] – “What if everyone lives to 150?” The truth behind longevity risk[00:05:20] – Why unhealthy policyholders change the math entirely[00:07:00] – Understanding probabilities versus possibilities in investing[00:10:00] – Real data: hundreds of policies, zero reaching age 100[00:13:21] – The second big question: what if an insurance carrier fails?[00:15:09] – How insurance companies make money (and why they’re so stable)[00:16:40] – Why A-rated carriers like New York Life are worth more than big banks[00:18:45] – If New York Life ever failed, your stock portfolio would already be crushed[00:20:30] – Ben’s reassuring answer: what’s possible vs. what’s probableMentioned ResourcesLife expectancy reports and medical underwritingNew York LifeU.S. Treasury bonds and corporate bond investmentsHistorical data on insurance carrier stabilityImportant LinksBook a call to speak with Ben: https://rebrand.ly/life-asset-consult Watch our webinar (no opt-in): https://rebrand.ly/ben-mohr-56b45e Grab our ebook here (no opt-in): https://rebrand.ly/life-asset-ebook Truly Diversified is an original podcast brought to you by Ben Mohr and Podcast Your Brand. Production and editing by Podcast Your Brand.

What if the “next big investment opportunity” in your feed is nothing more than a cleverly packaged scam?In this episode of Truly Diversified, retirement strategist Ben Mohr exposes the alarming rise of fake investment companies on social media and the shocking claims they’re making to attract unsuspecting investors. From “crypto funds” promising 7% a month to “40-year track records” built on someone’s dad’s real estate license, Ben breaks down exactly how to spot a scam before it costs you your retirement savings.He also reveals what a real proven track record looks like, shares red flags every investor should watch for, and explains why life settlements remain one of the few alternative investments with verifiable results and transparency.Press play now to hear Ben’s unfiltered breakdown of the biggest social media scams and learn how to protect your portfolio from frauds posing as “alternative investments.”Mentioned ResourcesCalifornia Guaranteed Health and Life Association ActU.S. Treasury Notes & FDIC-insured CDsImportant LinksBook a call to speak with Ben: https://rebrand.ly/life-asset-consult Watch our webinar (no opt-in): https://rebrand.ly/ben-mohr-56b45e Grab our ebook here (no opt-in): https://rebrand.ly/life-asset-ebook Truly Diversified is an original podcast brought to you by Ben Mohr and Podcast Your Brand. Production and editing by Podcast Your Brand.

Is investing in life settlements really “too good to be true”?In this episode of Truly Diversified, retirement strategist Ben Mohr tackles the #1 question skeptics ask: how is this even legal, and why haven’t I heard of it before? He breaks down exactly how life settlements work, why premiums drive policyholders to sell, and how average investors can now access a strategy once reserved for the ultra-wealthy.Ben also explains the landmark Supreme Court ruling that makes it possible, the guardrails that protect investors, and why diversification across multiple policies is the real key to returns. If you’ve ever dismissed life settlements as a scam or myth, this episode will change how you see alternative investing forever.Press play now to hear why life settlements aren’t “too good to be true” and how this overlooked strategy could change the way you think about investing.Mentioned ResourcesSupreme Court case Grigsby v. Russell (1911)Study by the London School of Business on life settlement returnsEducational brochures, eBook, and webinar via Life Asset’s LinkTreeImportant LinksBook a call to speak with Ben: https://rebrand.ly/life-asset-consult Watch our webinar (no opt-in): https://rebrand.ly/ben-mohr-56b45e Grab our ebook here (no opt-in): https://rebrand.ly/life-asset-ebookTruly Diversified is an original podcast brought to you by Ben Mohr and Podcast Your Brand. Production and editing by Podcast Your Brand.

How do you really know if a life settlement is a solid investment… or a ticking time bomb?In this episode of Truly Diversified, retirement strategist Ben Mohr pulls back the curtain on one of the most misunderstood parts of life settlements: life expectancy reports. These detailed medical reviews are the backbone of every policy purchase, yet most investors have no idea how they work or why they matter so much.Ben walks you through the science, the screening, and the surprising insights that determine whether a policy makes the cut. If you’ve ever wondered how professionals forecast outcomes with such precision, this is the episode you cannot miss.Listen now to avoid costly mistakes, gain insider knowledge, and discover the exclusive process the ultra-wealthy have relied on for decades but almost nobody talks about.Mentioned ResourcesEducational brochures, eBook, and webinar via Life Asset’s LinkTreeImportant LinksBook a call to speak with Ben: https://rebrand.ly/life-asset-consult Watch our webinar (no opt-in): https://rebrand.ly/ben-mohr-56b45e Grab our ebook here (no opt-in): https://rebrand.ly/life-asset-ebook  Truly Diversified is an original podcast brought to you by Ben Mohr and Podcast Your Brand. Production and editing by Podcast Your Brand.

In today's episode of The Truly Diversified Show, Ben is joined by Kimberly Ann Flynn, President of XA Investments, to discuss a timely and often misunderstood corner of the financial world: hedge funds. You'll learn how hedge funds have evolved over the years, and why they are becoming more accessible to a wider range of investors. Hear about a foundational understanding of their purpose, providing potential for higher returns while managing risk, as well as how they fit into the broader spectrum of alternative investments.Ben and Kimberly also explore recent regulatory changes that could open the door for average investors to access strategies that were once reserved for large institutions. This shift in the retirement planning landscape leads to a vital question: is giving more people access a positive step toward true diversification, or does it introduce unnecessary risk? Learn the potential benefits against the criticisms, as well as how these new opportunities might impact 401(k)s, long-term savings, and retirement planning strategies in the years ahead.With practical insights from Kimberly’s work at XA Investments, this episode provides a clearer picture of how these strategies could fit into your own financial journey, as well as the mindset shifts required to approach them wisely.Want to know if hedge funds deserve a spot in your portfolio? Tune in for a clear look at the risks and rewards. If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today! Enjoy!Key takeaways:The various strategies used by hedge funds, including equity and credit-focused hedge funds, which aim to deliver more return with less risk.How the SEC and the Trump administration have made it easier for Americans to invest in private equity and other alternatives through retirement accounts.The need for the industry to invest in technology to incorporate alternative investments into 401(k) plans.The importance of financial advisors, wealth managers, and tax planners in guiding investors through complex financial products.And much more...Guest Bio:Kimberly Ann Flynn is President and Partner at XA Investments, where she leads product and business development, overseeing the firm’s proprietary fund platform and consulting practice. A recognized expert in closed-end fund product development, she frequently speaks at industry events and contributes to media on topics including interval funds and alternative investments. Previously, she was Senior Vice President and Head of Product Development for Nuveen Investments’ Global Structured Products Group, where she launched over 40 closed-end funds and helped raise \$13 billion in capital. Kim began her career in Morgan Stanley’s Investment Banking Division before earning her MBA from Harvard Business School as a William J. Carey scholar. She holds the CFA designation and is active in several professional and nonprofit leadership roles.Resources:Kimberly's LinkedInXA InvestmentsLife Asset, LLCDisclaimer: The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of The Truly Diversified Show or its...

In today's episode of The Truly Diversified Show, Ben turns to one of the most common, not to mention costly, missteps people make as they approach retirement.While the topic of annuities might not impact you immediately, it provides an important cautionary tale and valuable insight into financial products that are often misunderstood, misrepresented, or overhyped. The focus here is on understanding the promises and pitfalls behind this widely sold tool, and why so many pre-retirees end up regretting their decision.You'll hear a breakdown of how these products are typically marketed, what they actually provide, and the realities of their performance over time. The discussion explores why they can seem attractive, particularly the safety and guarantees they appear to offer, while also highlighting the limits, restrictions, and potential frustrations that accompany them. Along the way, it addresses why people often feel trapped once they’ve signed on and how the incentives for those selling these products can work against the buyer’s best interests.If you're considering using these financial tools, or are already committed and questioning your decision, this episode offers a blend of caution, clarity, and hope for better options. Thinking about an annuity? Learn the hidden costs most salespeople won’t tell you.If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today! Enjoy!Key takeaways:Why annuities are often considered controversial, including the lack of experience and ethics among many salespeople. The concept of fixed indexed annuities (FIA), a product from insurance companies that offer guarantees, and how they differ from variable annuities.The common misconceptions and risks of annuities, including overhyped promises of high returns and lack of losses, creating unrealistic expectations.Surrender periods for annuities, from 10 to 15 years, and the high penalties associated with early withdrawal. Life settlements as an alternative to annuities and their potential for higher returns.And much more...Resources:Life Asset, LLCDisclaimer: The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of The Truly Diversified Show or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their situation. By accessing this podcast, you acknowledge that any reliance on the content is at your own risk.

In today's episode of The Truly Diversified Show, Ben is joined by CPA and financial advisor Jim Yostrum for a timely discussion about major tax legislation that has recently taken effect. While politics often frame such bills as either the “best” or “worst” law ever, the discussion strips away the rhetoric to focus strictly on what the changes mean for individuals, families, and business owners. The goal is to provide clarity on how the new rules can impact your financial life, regardless of political leanings.You'll learn about several key provisions in the bill that affect taxpayers directly. Among the most notable are the permanent extension of certain 2017 tax cuts, including lower tax brackets and the 20% deduction for pass-through businesses such as S corporations, LLCs, and sole proprietorships. Additional measures, such as partial tax exemptions on overtime pay, certain tips, and Social Security income, are explained in plain language, helping you understand both the benefits and limitations of each. These insights clarify common misconceptions while also pointing out where the bill provides real advantages.Want to know which new deductions could save you thousands this year? Tune in to find out what most people are overlooking.If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today! Enjoy!Key takeaways:The confusion surrounding the recent tax bill concerning alternative investments, particularly the conflicting information from different political perspectives.How the bill codifies the 2017 Trump Tax Act, making many provisions permanent, including the 20% automatic write-off for S corporations, LLCs, and Schedule C reporting entities.The misconception that overtime pay is entirely tax-free, when in reality only the overtime premium is tax-free.The bill's significant benefit for Social Security recipients over 65, with married couples receiving an additional $12,000 standard deduction.The benefits of having the choice to reinvest in one's own business or explore alternative investment opportunities.And much more...Guest Bio:James Yostrum, CPA, CMA, CGMA, MBA, is the President of MZ Business Services LLC and brings over 40 years of experience in financial, operational, purchasing, and human resources leadership across diverse industries, including manufacturing, service, and wholesale. He has played key roles in numerous successful operational and financial turnarounds. James holds an MBA and is a Certified Public Accountant, Certified Management Accountant, Chartered Global Management Accountant, and Certified QuickBooks Pro Advisor. In addition to leading MZ Business Services, he operates two thriving businesses—one focused on financial and operational consulting, and the other on real estate development—demonstrating a strong track record of strategic insight and entrepreneurial success.Resources:Life Asset, LLCDisclaimer: The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of The Truly Diversified Show or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any...

In today's episode of The Truly Diversified Show, Ben breaks down key strategies that many people overlook when it comes to maximizing the potential of their retirement accounts. He highlights the importance of consistent contributions and explains how different age brackets and marital status can affect contribution limits. These steps not only save taxes today but also set you up for stronger long-term growth and more control over your financial future. You'll hear about options for those who are self-employed or own a business, where the potential for larger contributions can significantly reduce tax burdens while fueling retirement savings. Ben addresses an often-missed opportunity for individuals over a certain age who want to move their money into more flexible vehicles, expanding investment options beyond the limitations of employer-sponsored plans. The conversation also covers a powerful approach for creating tax-free income in retirement, emphasizing how timing and tax planning can make all the difference. This episode will provide you with actionable insights to build stronger, more flexible retirement strategies. Don’t let these 3 IRA mistakes drain your retirement savings, and learn how to avoid them before it’s too late.If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today! Enjoy!Key takeaways:The tax benefits of IRA contributions, and how they can reduce taxable income and thus lower the amount paid to the IRS.The SEP IRA, which is ideal for self-employed individuals, business owners, and partners, and how it can significantly reduce taxable income.  The concept of in-service withdrawals, which allows individuals over 59 and a half to transfer money from their 401(k) or 403(b) plans to a tax-deferred IRA. Why Roth conversions are particularly beneficial for those nearing a higher tax bracket, as they can help them avoid paying higher taxes on future earnings. The danger of putting all retirement savings into safe, low-return investments like CDs.And much more...Resources:Life Asset, LLCDisclaimer: The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of The Truly Diversified Show or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their situation. By accessing this podcast, you acknowledge that any reliance on the content is at your own risk.

In today's episode of The Truly Diversified Show, Ben is joined by Barry Neal, CEO of EquiLife LLC.In this fascinating conversation, Ben and Barry discuss a unique investment space that many people still find confusing. Rather than relying on hypotheticals, they break down real numbers from recent cases to show how investors are seeing tangible results. With nearly $5 million in payouts this year, these strategies have delivered consistent, competitive returns that rival traditional investments.Hear how these investments compare side by side with benchmarks like the S&P 500, with some outperforming the market while avoiding exposure to its volatility. Barry walks through three recent cases, revealing double-digit annualized returns, including one payout expected to surpass 20% APR. The discussion underscores how this approach has matured over the years, with a track record investors can now evaluate with confidence.For those seeking ways to diversify beyond traditional equities and real estate, this episode provides a clear look at how an alternative path can offer meaningful, reliable growth opportunities. Want to grow beyond stocks and real estate? Learn how life settlements can add stability and double-digit returns to your portfolio.If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today! Enjoy!Key takeaways:The differences between life settlement returns and the current stock market, using the S&P 500 as a benchmark.The importance of diversification and the benefits of life settlements as an alternative investment. The value of long-term investment strategies and the potential for significant returns.The impact of various market conditions on EquiLife's returns, and why they are not affected by short-term market fluctuations.The tax implications of life settlement returns, as well as why they are typically taxed as long-term capital gains, are the most favorable kind of tax treatment.And much more...Resources:Life Asset, LLCDisclaimer: The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of The Truly Diversified Show or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their situation. By accessing this podcast, you acknowledge that any reliance on the content is at your own risk.

In this episode of The Truly Diversified Show, Ben dives into a recent change that could fundamentally alter the way millions of Americans manage their retirement savings. Traditionally, employer-sponsored retirement accounts have offered a narrow set of investment options tied directly to the stock market, offering participants little control over how their funds are invested. This long-standing limitation has often been criticized for stifling creativity and diversification in retirement planning.You'll learn about a new policy shift that's opening the door to opportunities that were previously reserved for high-net-worth individuals. Hear how this change could make it possible for everyday investors to explore asset classes beyond the standard mutual funds and ETFs, potentially including sectors like real estate, private equity, and other alternative investments. While the move is being celebrated by advocates for financial choice, it’s also drawing pushback from critics who claim these investments are too complex or risky for the average participant.While the implementation details are still unfolding, this episode frames the development as a major step toward empowering individuals to take more control of their retirement strategies.If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today! Enjoy!Key takeaways:President Trump's new law, which allows 401(k) investments in private equity, will open up investment options beyond the stock market for 401(k) holders.The limited investment options available through 401(k) custodians such as mutual funds, ETFs, individual stocks, and bonds.The difference between self-directed IRAs and 401(k)s, and how the new law aims to bring the flexibility of self-directed IRAs to 401(k)s.The criticism of the new law, and why media articles appear to contain a pro-Wall Street bias.Why having greater investment options gives investors more control, and why this new law will provide those options.And much more...Resources:Life Asset, LLCDisclaimer: The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of The Truly Diversified Show or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their situation. By accessing this podcast, you acknowledge that any reliance on the content is at your own risk.

In today's episode of The Truly Diversified Show, Ben dives into the story of a high-profile billionaire who used a little-known financial strategy to shield billions of dollars from future taxation. While Peter Thiel's name might be familiar from headlines about tech and startups, the real story lies in how he legally navigated the tax code to transform the way his wealth will be accessed in retirement, and how everyday investors can learn from this approach. But there’s a twist: most people misunderstand a key concept that makes this strategy possible, and that misunderstanding is costing them money.You'll discover the critical difference between two similar-sounding financial terms, revealing how one small letter can change everything. He explains why many Americans mistakenly believe they don’t qualify for certain retirement tools, and how that belief limits their ability to take full advantage of tax-free growth. Using easy-to-follow examples and real-life scenarios, he outlines how even modest earners can implement this strategy in a way that fits their income, tax bracket, and retirement goals, without needing billions in the bank.If you're looking for a smarter path to retirement income with less tax drag, this episode offers insights that might change the way you think about your financial future.If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today! Enjoy!Key takeaways:How Peter Thiel saved billions by using a Roth conversion to move over $5 billion tax-free.The concept of a Roth IRA, designed as a way to pay taxes upfront, allowing tax-free growth and withdrawals in retirement.How conversions provide a way to move money from other retirement accounts to a Roth IRA.The 'Rule of 72,' and how $100,000 converted at age 50 could grow to $400,000 by age 70, all tax-free. The importance of diversifying investments to mitigate risks and ensure long-term growth.And much more...Resources:Life Asset, LLCDisclaimer: The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of The Truly Diversified Show or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their situation. By accessing this podcast, you acknowledge that any reliance on the content is at your own risk.

In today's episode of The Truly Diversified Show, Ben is joined by Jim Yostrom, a CPA and hybrid professional who not only handles taxes but also advises on investment opportunities for retirement.During this conversation, Ben and Jim dive into a niche financial strategy that often flies under the radar but offers intriguing opportunities for diversification beyond the typical stock market options. You'll learn how this approach can serve as a valuable tool for those looking to balance risk while potentially securing solid returns over a medium-term horizon. The discussion touches on practical aspects of investing and how it can fit into a broader financial plan, especially for individuals with unique tax considerations.You'll be taken through the nuances of leveraging certain investment vehicles that align well with self-employed individuals and small business owners. The conversation highlights how strategic planning around retirement accounts can unlock significant tax advantages while simplifying complex financial decisions. Jim shares insights on why this particular strategy might be more accessible and manageable than many realize, emphasizing its potential to complement traditional retirement savings.Thinking about new ways to diversify your retirement savings? Don’t miss this conversation—discover how life settlements and smart tax planning can unlock hidden growth for business owners and the self-employed. If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today! Enjoy!Key takeaways:Jim's approach to finding niche investments for clients, emphasizing the importance of diversification.The benefits of life settlements, particularly for mid-term investment strategies with payout options ranging from 4 to 10 years.The importance of tax strategies for small business owners and self-employed individuals, particularly the benefits of SEP IRAs. The tax benefits of investing in life settlements including the ability to write off contributions and the potential for long-term returns.The value of working with a tax advisor to determine the best time to convert investments and manage tax liabilities.And much more...Guest Bio:James Yostrum, CPA, CMA, CGMA, MBA, is the President of MZ Business Services LLC and brings over 40 years of experience in financial, operational, purchasing, and human resources leadership across diverse industries, including manufacturing, service, and wholesale. He has played key roles in numerous successful operational and financial turnarounds. James holds an MBA and is a Certified Public Accountant, Certified Management Accountant, Chartered Global Management Accountant, and Certified QuickBooks Pro Advisor. In addition to leading MZ Business Services, he operates two thriving businesses—one focused on financial and operational consulting, and the other on real estate development—demonstrating a strong track record of strategic insight and entrepreneurial success.Resources:James’ LinkedInMZ Business ServicesLife Asset, LLC

In today's episode of The Truly Diversified Show, Ben pulls back the curtain on an often-overlooked financial strategy quietly used by some of the world's most successful investors. While the public tends to focus on headline-making stock picks and high-profile business acquisitions, there's another lesser-known approach that plays a significant role in how certain fortunes are built and preserved, even during turbulent markets. You'll hear how one legendary investor, the "Oracle of Omaha" himself, Warren Buffett, has employed this tactic as a key part of his long-term wealth-building plan.You'll discover a unique investment method that remains largely unaffected by geopolitical events, pandemics, and the volatility of the global economy. Ben explains how this approach, once limited to ultra-wealthy individuals and institutions, has become increasingly accessible to everyday investors thanks to innovations in financial structuring. The conversation sheds light on how this opportunity has quietly gained traction among those looking to add stability and predictability to their portfolios.This episode explores how individuals can now take advantage of this intriguing financial strategy to potentially generate returns that rival traditional investments, all while mitigating exposure to market swings.If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today! Enjoy!Key takeaways:Warren Buffett, "the Oracle of Omaha," his reputation as a smart investor and his unique investment strategies.The importance of diversification and hedging bets, and why Buffett's investments in life settlements act as an alternative to the stock market. Why Buffet and Berkshire Hathaway have significantly invested in life settlements, accumulating over a billion dollars in policies. The concept of fractional life settlements allowing average investors to pool their money to buy portions of multiple policies. The returns from life settlements, with potential APRs ranging from 8% to 12%, depending on the longevity of the policyholders.And much more...Resources:Life Asset, LLCDisclaimer: The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of The Truly Diversified Show or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their situation. By accessing this podcast, you acknowledge that any reliance on the content is at your own risk.

In today's episode of The Truly Diversified Show, Ben is joined by Ramez Fakoury, Vice-President of IRA Club.During the conversation, Ben and Ramez challenge common assumptions about traditional investment vehicles and introduce a lesser-known alternative that could reshape how people think about retirement savings. They explore the concept of taking control away from mainstream financial institutions and opening doors to more diverse investment opportunities. The discussion unpacks the practical side of making this shift, including how cost structures can impact long-term returns and why understanding fees matters more than many realize. You'll be guided through the steps involved in transitioning retirement funds, highlighting the ease of the process despite common fears and misconceptions. The conversation also touches on the importance of personalized support and customer service in navigating these financial choices.This episode offers an insightful look at breaking free from conventional wisdom and taking more active control of financial futures. Start exploring how a self-directed IRA could help you build wealth on your terms. Head to IRA Club or connect with Ramez to take the next step. If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today! Enjoy!Key takeaways:An introduction to IRA Club, which offers flexibility in investing retirement dollars in alternative assets like real estate, land syndications, private equity deals, and life settlements.The common reasons people avoid self-directed IRAs, including lack of education, artificial restrictions from financial advisors, and the fear of making prohibited transactions.The three-step process of setting up an account with IRA Club: opening the account, funding the account, and choosing investments. The challenges of working with other self-directed IRA companies and the advantages of IRA Club's hands-on approach.The importance of understanding alternative investment options and the role of IRA Club in providing flexible and cost-effective solutions.And much more...Guest Bio:Ramez Fakhoury is the Vice President of IRA Club, where he applies over two decades of experience across hospitality, financial services, and real estate to help clients unlock the power of alternative investments. Passionate about financial independence, Ramez is dedicated to educating individuals on the benefits of self-directed IRAs and empowering them to take control of their retirement planning. He delivers a white-glove customer service experience, personally guiding clients through the setup and management of their accounts. Known for his entrepreneurial mindset and market insight, Ramez believes in the importance of portfolio diversification and is committed to helping others achieve their long-term financial goals through strategic, self-directed investing.Resources:Ramez' LinkedInIRA ClubLife Asset, LLCDisclaimer: The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of The Truly Diversified Show or its affiliates. The content provided is for informational

In today's episode of The Truly Diversified Show, Ben challenges a common assumption many investors make about their retirement accounts: that their only options for growth are tied to the stock market.While most people diligently track whether their 401(k), 403(b), or IRA balances go up or down, Ben suggests that few truly understand what their money is invested in—or realize that they have other options entirely. He outlines the similarities between traditional retirement accounts and explains how they're often limited to mutual funds, stocks, and bonds managed by custodians like Fidelity or Schwab.You'll discover the concept of self-directed IRAs as a powerful but underutilized tool for achieving true diversification. Unlike traditional accounts, self-directed IRAs allow individuals to invest in non-market-based assets such as real estate and life settlements. He dispels the myth that investors are locked into Wall Street products, explaining how thousands of people are now rolling over their retirement funds into these alternative structures to hedge against market volatility, geopolitical uncertainty, and inflation. Through real-world examples, including one involving a client named John Smith, Ben illustrates how this approach can offer more stability and long-term potential.The message of this episode is clear: you’re not stuck with the market, and true diversification means exploring what lies beyond it. Want to take control of your retirement? Learn how to roll your funds into a self-directed IRA—and start investing in what you understand. Connect with us at Life Asset, LLC to get started.If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today! Enjoy!Key takeaways:The common types of retirement accounts: 401(k), 403(b), and TSP, and their differences based on employment. Why people often only look at the performance of their retirement accounts without understanding their investments. The concept of self-directed IRAs, which allow investments outside the stock market. Why the idea that an IRA must be invested in the stock market is a myth.How self-directed IRAs can be used for investments like real estate or life settlements.And much more...Resources:Connect with Ben on LinkedInLife Asset LLCLife Asset’s EmailLife Asset’s LinkTreeContact Life Asset at (800) 410-1306Disclaimer: The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of The Truly Diversified Show or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their...

In today's episode of The Truly Diversified Show, Ben explores a lesser-known financial strategy that sidesteps the volatility of traditional stock market investing: Life Settlements. As market fluctuations continue to rattle portfolios and retirement plans, the discussion looks at a powerful but often overlooked option that’s gaining traction among savvy investors, including some of the world’s wealthiest names. Ben reflects on how education, access, and diversification are changing the investment landscape, particularly for those seeking stability and strong returns without exposure to market swings.You'll be taken behind the scenes of real-life case studies where investors have reaped double-digit returns, all while avoiding the risks and emotional rollercoaster of market-based assets. The discussion outlines the mechanics of the investment itself, its historical exclusivity, and how it’s gradually become available to everyday investors. Importantly, you'll discover that this strategy isn’t about selling your own policies, but about learning how to become an investor in a market once reserved for the ultra-wealthy.If you’re ready to look beyond the familiar and explore options built to weather economic storms, this is a conversation worth tuning into. Curious how to invest in life settlements? Reach out via the show site or drop us a DM—we’re happy to chat.If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today! Enjoy!Key takeaways:The concept of life settlements, an investment where individuals sell their permanent life insurance policies to investors.The financial benefits of selling a life insurance policy, including the ability to receive a lump sum of money.Real-life examples of life settlement payouts, as well as the consistency and reliability of these returns, which are not affected by stock market fluctuations. Why the involvement of top-rated insurance companies in life settlements ensures the reliability of payouts.And much more...Resources:Connect with Ben on LinkedInLife Asset LLCLife Asset’s EmailLife Asset’s LinkTreeContact Life Asset at (800) 410-1306Disclaimer: The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of The Truly Diversified Show or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their situation. By accessing this podcast, you acknowledge that any reliance on the content is at your own risk.

In today's episode of The Truly Diversified Show, Ben explores the complex world of annuities, often misunderstood financial products that generate strong opinions both for and against them.You'll gain insights into the various types of annuities, from single premium immediate annuities to fixed indexed annuities, and debunk common myths surrounding their risks and rewards. While some people benefit from these products in specific scenarios, Ben outlines the danger of generalized views, highlighting the hidden pitfalls of certain annuities, such as misleading sales tactics and unrealistic expectations of returns.The discussion also takes a critical look at how annuities are marketed, calling attention to the flaws in the industry's sales tactics. Learn why, despite the guarantees that often come with annuities, the costs and complexities involved can leave consumers feeling misled. Ben explores alternatives to traditional annuities, like life settlements, a strategy used by the ultra-wealthy to secure double-digit returns with minimal risk. This episode stresses the importance of fully understanding the products being sold and making informed decisions based on one's financial goals.If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today! Enjoy!Key takeaways:The concept of Single Premium Immediate Annuities (SPIAs), and why they're rarely sold.The potential for significant losses in variable annuities, especially if the market performs poorly. The tax benefits of Multiple Year Guaranteed Annuities (MYGAs), including the ability to exchange money into another annuity without immediate taxation. The importance of working with experts who understand the complexities of annuities, to avoid the danger of being sold products that don't provide promised benefits.The potential for alternative investments to offer better returns and more flexibility than traditional annuities.And much more...Resources:Connect with Ben on LinkedInLife Asset LLCLife Asset’s EmailLife Asset’s LinkTreeContact Life Asset at (800) 410-1306Disclaimer: The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of The Truly Diversified Show or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their situation. By accessing this podcast, you acknowledge that any reliance on the content is at your own risk.