The Hidden Cost of “Traditional” Retirement Accounts Most people believe they’re doing the right thing by maxing out their 401(k)s, IRAs, or other qualified retirement plans. They defer taxes today, hoping they’ll pay less later. But here’s the truth: deferral is not...

When I think about true financial freedom, I don’t just think about today, I think about tomorrow, and the generations that come after us.  One of the most profound lessons I’ve learned, and what we teach in What Would the Rockefellers Do?, is this:  Wealth without...

Today, I’m excited to share a deeply personal and important milestone: our son, Kadin, has joined Vault AIS.  Over the past few years, I’ve had the privilege of mentoring Kadin to help him deeply understand not just the strategies of wealth-building, but the values...

The news cycle moves fast. One day, inflation is easing. The next, interest rates spike again. Markets respond like a roller coaster, up, down, sideways. Banks are more cautious. Political instability is rising. And people, smart, successful, hard-working people, are...

Have you felt that tightening in your chest as you watch the markets swing wildly? That worried glance at your retirement account? The nagging doubt about whether you're making the right financial decisions? You're not alone. In today's world, uncertainty has become...

Have you ever heard the acronyms “BOLI COLI”? I’m guessing you haven’t, unless you’re a life insurance nerd like me. But when you understand what these mean, you’ll discover a powerful wealth strategy for your own finances. BOLI and COLI refer to bank-owned life...

The right financial strategy can transform lives. I’ve witnessed this firsthand for two decades as a financial strategist and coauthor of What Would the Rockefellers Do?. The Rockefeller Method life insurance strategy stands as the most powerful wealth-building tool...

I’ve spent the last two decades helping clients architect their wealth using proven strategies that stand the test of time. One question that frequently comes up is the choice between whole life insurance vs IUL (indexed universal life). Today, I want to share the...

As we stand at the threshold of 2025, I've been reflecting deeply on what truly creates lasting wealth and happiness. Through my own personal journey and countless conversations with clients, one truth keeps emerging. That is that Human Life Value (HLV) is the...

As I write this, the 2024 presidential election is at its peak, bringing uncertainty for business owners across the country. Every headline focuses on fear, doubt, and worry about the future of our economy. With so much uncertainty, it’s easy to feel overwhelmed. I...

Building a financial and family legacy doesn't just happen. It’s the result of a clear and well-executed wealth plan. As an entrepreneur, it’s critical that you first create a wealth plan based on sound principles. Next, you must stay focused as you execute the plan....

Retirement planning is a crucial aspect of financial security. Many people rely on traditional savings accounts, 401(k)s, or IRAs to fund their golden years. However, whole life insurance offers unique advantages that make it an attractive option for retirement...

Single premium whole life insurance is a whole life policy that you pay for in one payment. It’s also referred to as single pay whole life insurance. It’s a unique policy because you pay for it just once. But is it a good idea? I co-authored the bestseller What Would...

What’s the difference between saving and investing? Had you asked me that question in 2005-2006, I would have answered that over $4 million of my family’s savings was an “investment. I had not yet learned the difference. By the end of 2007, that difference cost me my...

When most people think about building wealth, they think of investing in stocks, mutual funds, and real estate. But there's another often-overlooked option: dividend paying whole life insurance. Let's discuss how to use this type of insurance for wealth planning. Want...

For the right person, whole life insurance can be a foundational wealth planning tool. But it’s not for everyone. Let’s explore the pros and cons of whole life insurance to see if it’s for you. I co-authored the bestseller What Would the Rockefellers Do? with Garrett...

The living benefits of life insurance unlock many wealth planning possibilities for wise policyholders. However, living benefits of life insurance are only available in permanent insurance. This is life insurance that carries a cash value. This is opposed to term life...

Choosing the best whole life insurance can significantly impact wealth planning. Whole life insurance offers financial security, steady growth, and peace of mind. But not all whole life insurance policies are built equally. So how do you find the best whole life...