BetterWealth with Caleb Guilliams

Without leadership, nothing happens!Episode Description: In today's Better Wealth Episode, I had the pleasure of interviewing Andy Wyatt, author, coach and CEO of Andy Wyatt Leadership LLC, a company developing leaders around the world through coaching. In today’s world of hundreds of leadership guru’s, Andy shares his authentic value that “Wise, caring, balanced servant leaders are good leaders, and good  leaders produce good results!”  Without leadership, nothing happens! Listen as Andy dives deep into his new leadership book Pro-Leadership: Establishing Your Credibility. Andy believes that leadership development first starts with looking at what he calls your “backstage” and says it's important to “Excavate before you Elevate!” Andy challenges listeners to win the day by managing your focus and constantly asking “Is This Important NOW?” I talk with Andy about his unique leadership development process and reflect back on how valuable it has been to me and the foundation of my leadership role at BetterWealth. Guest Bio: Andrew Wyatt Leadership LLC, develops leaders around the world through coaching, speaking, training and consulting: CEO entrepreneurs, leaders and their companies. Andy is the Author of Pro Leadership, Establishing Credibility, Building Your Following and Leading with Impact, published by Morgan James in February 2021. In addition to writing and speaking, Andy coaches one on one, leads Pro Leadership Mastermind Groups, Masterclasses, Seminars and Retreats.  Andy also founded Andrew Wyatt Leadership and he is Head Coach & Managing Partner.  He did so after completing 24 years as Founder and CEO of Cornerstone Capital Management LLC. Andy founded Cornerstone as a private wealth management business in 1993. When Andy left Cornerstone in 2017, the firm had grown to over $15 billion in assets under management, serving institutional clients through four investment teams with offices in Minneapolis and New York.  Prior to Cornerstone, Andy was Vice President and Portfolio Manager at Investment Advisers, Inc. At IAI, he gained extensive investment experience working with both institutional and individual clients in the management of their financial portfolios. He graduated from the University of Minnesota with a Bachelor of Science degree in agricultural economics with a concentration in futures trading. His vision, passion, and energy resulted in an unwavering commitment to helping clients achieve their financial objectives by creating a high- performance culture that attracted and rewarded the best financial management talent in the industry.Andy has been married to Luann for 35 years and they have three grown children, Claire, Joe and Maggie. He also has a West Highland White Terrier named Winnie.Guest Links: Check out Andy’s New Book:Pro-Leadership: Establishing Your CredibilityLearn More About Andy:Andy Wyatt LeadershipInstagramLinkedIn#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

It’s clear as mud!!!In today's Better Wealth Breakdown, Dan and I reflect back to our last episode where we spoke on the MEC - Modified Endowment Contract and now we discuss part 2 which is the 7-Pay test. As defined the 7-pay test determines whether the total amount of premiums paid into a life insurance policy within the first 7 years is more than what was required to have the policy considered paid up in 7 years, policies become MECs when the premiums paid to the policy are more that what was needed to be paid then the 7 year time frame. It’s clear as mud!!! Listen as Dan and I break down this definition and how policies can be created to be efficient using the 7-pay test.  Episode Links & Resources: Episode #286: MEC - Modified Endowment Contract#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

The underlying framework of knowing where to invest your money is first knowing your desired outcome. In today's Better Wealth Episode, I continue my series of episodes “Where Should I Invest My Money” as I discuss the framework of how to analyze the best places to invest your money. In the last episode we discussed how to identify and compare different assets. Listen as I define the Roth IRA and the Roth 401K and then take you through the framework of evaluating these two accounts. Safe (Low Risk): Your money suffers little to no risk of loss.Liquidity: Your money is accessible for emergencies or opportunities.Growth: Your money multiples at a competitive rate of return.Passive Cash-Flow: Your money produces income on it’s own. Leverageable: You can use your money as collateral.Private: Your money grows without restrictions and has creditor protection.Tax Deductible:You can subtract any money you put into the account from your taxable income.Grows Tax-Free: Your money grows without being taxed.Tax-Free Distribution: You can access your money without paying taxes on it.  Protection/Legacy: You are provided for in the event of tragedy and are self completing. No Contribution Limits: You have no limits on how much you can fund in the asset. Episode Links & Resources: Episode #279: The 11 Attributes of a Perfect InvestmentEpisode #284: Should I Invest In My 401K#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

Does solar investments make sense….financially?In today's Better Wealth Episode, I had the pleasure of interviewing Jimmie Jayes, co-founder of Authentic Networker, an international community of in-person networking groups spanning 71 cities across 5 countries, and solar advisor. Jimmie talks a little about his experience in networking and how he has used networking to serve people and increase sales. In today's episode we correlate solar power to investment power, by describing how solar power can optimize money. Jimmie describes why when money lost on utility bills also creates a loss of control of your money and the potential compounding of your money.  Jimmie explains how solar investments are essentially assets that optimize your money by creating value to your home, has federal tax incentives and can develop cash flow. Listen as Jimmie dives deeper into the details, the process and the benefits of solar. Learn more about Solar at Bankwithsolar.com.Guest Bio: Jimmie Jayes is a connector, educator and solar advisor. As a connector, Jimmie is the co-founder of Authentic Networker, an international community of in-person networking groups spanning 71 cities across 5 countries.  As an educator, Jimmie has helped tens of thousands of entrepreneurs with his online courses and workshops. He has also trained 1,000+ facilitators to run meetup groups around north america, including hundreds of "cash flow clubs". As a solar advisor Jimmie helps homeowners take control of their power, and turn their electric bill into a cash flowing asset.Guest Links: Bankwithsolar.com Authentic Networker Online#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

Leveraging the AND Asset in activities that produce more assets!In today's Better Wealth Episode of From the Front-lines, Jereme and I have been bringing you several episodes where we focus on case study from people we are working on the front lines. In today’s case study we discuss how Mr. & Mrs. Smith have developed over time a lifestyle of savings, tracking money, increasing income, and utilizing AND Assets. We are excited to share with you some details of the model that has made this model balanced, but more importantly how this family has developed a household economy that is achieving intentional living. Listen as Jereme shares the model of a family who are using the AND Asset in more than one way to save money, make money, and through protection establish financial legacy.  Episode Links & Resources: www.betterwealth.com #BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

Your savings rate is the biggest leverage you have!In today's Better Wealth Episode, I had the pleasure of interviewing Rachel Richard, former financial advisor and real estate investor, who now has written two incredibly successful books about money. Listen as Rachel shares her story of becoming a lover of finances and money, budgeting, savings and financial prosperity.  Rachel describes how your savings rate is the biggest leverage you have to financial independence. Rachel is always challenging people to try to increase your savings percentage! Listen as Rachel talks about making a difference in your financial situation by both increasing your income and decreasing your spending at the same time. Financial change comes with the mindset of  delayed gratification, according to Rachel. I also ask Rachel to dive deep into the why that drives her passion for finances and how it influenced her books. Listen as she shares concepts in her books such as savings, budget, debt, financial mindset. Guest Bio: At the age of 27, Rachel Richards quit her job and retired, living off $15,000 per month in passive income. Rachel is the bestselling author of “Money Honey” and “Passive Income, Aggressive Retirement.” She is a former financial advisor and a real estate investor with almost 40 rental units. By making the topic of money management fun, entertaining, and simple, Rachel has helped thousands of millennials work their way out of financial despair.Guest Links: Money Honey: A Simple 7-Step Guide for Getting Your Financial $hit Together by Rachel RichardsPassive Income, Aggressive Retirement: The Secret toFreedom, Flexibility, and Financial Independence (& how to get started!) by Rachel RichardsFREE Budgeting Sheets from Rachel#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

Each company has their own interpretation and definition of a MEC. In today's Better Wealth Breakdown, Dan and I discuss a Modified Endowment Contracts, also known as a MEC. Listen as we review how we take life insurance but give it a superpower  by over-funding and maximize the cash with a result of keeping the tax benefits of a life insurance policy. While all companies have different definitions and interpretations of MEC listen to our description of a MEC, how we design the policy and purpose of how to most efficiently utilize the policy. #BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

What you most value should be a big part of how you analyze investments and assets like the 401K.In today's Better Wealth Episode, I set up the framework that will be giving you clarity on making better decisions regarding whether you should or shouldn’t invest in a particular asset. Today I focus on using that framework to evaluate the 401K, which is a tax advantage defined contribution account offered by many employers for their employees. In our framework we look first at the clarity of what you want in life. Then you need to understand what an asset is and it should be something that is helping you get closer to your ideal life. Finally, we analyze the outcome of your assessment. Once we know our outcome if we hold the 401K up to the 11 Attributes of “The Perfect” Asset how well does this 401k hold up to these attributes?The 11 Attributes of “The Perfect” Asset:Safe (Low Risk) - Your money suffers little to no risk of loss. Liquidity (Control) - Your money is accessible either for emergencies or for opportunities. Growth - Your money multiplies at a competitive rate of return. Passive Cash-Flow - Your money produces income on its own. Leverageable - You can use your money as collateral.Private - Your money grows without restrictions and has creditor protections. Tax - Deductible - You can subtract any money you put into the account from your taxable income.Grows Tax-Free - Your money grows without being taxed. Tax-Free Distribution - You can access your money without paying taxes on it. Protection / Legacy -  You are provided for in the event of tragedy and are self completing.No contribution limits  - You have no limits to how much you can fund in this asset. Episode Links & Resources: Episode #279: The 11 Attributes Of A Perfect InvestmentEpisode #192: Avoid Retirement Risk with Distribution Expert Wade PfauEpisode #221: How Consumers Became Savers with the Father of the 401K, Ted BennaEpisode #231: How To Create Your Retirement Income Strategy with Jason SangerThe 11 Attributes of “The Perfect” Asset:Safe (Low Risk) - Your money suffers little to no risk of loss. Liquidity (Control) - Your money is accessible either for emergencies or for opportunities. Growth - Your money multiplies at a competitive rate of return. Passive Cash-Flow - Your money produces income on its own. Leverageable - You can use your money as collateral.Private - Your money grows without restrictions and has creditor protections. Tax - Deductible - You can subtract any money you put into the account from your taxable income.Grows Tax-Free - Your money grows without being taxed. Tax-Free Distribution - You can access your money without paying taxes on it. Protection / Legacy -  You are provided for in the event of tragedy and are self completing.No contribution limits  - You have no limits to how much you can fund in this asset. #BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

Poking the Bear….. Hedge-funds vs. “Reddit” Retail Investors!In today's Better Wealth LIVE, Dan Kaminski joins me in today's BetterWealth LIVE as we discuss the current affairs of GameStop, and Hedge-funds vs "Reddit" Retail Investors!  Listen as Dan breaks down some of what has been going on with GameStop, Reddit, Robinhood and what “the short squeeze” is doing to the market! Join us as we discuss this current hot topic that will make it into the history books.#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

Inflation changes everything!!!In today's Better Wealth Episode of From the Frontlines, Jereme and I have been bringing you several episodes where we focus on case study from people we are working on the front lines. In today’s case study we discuss how we help Mr. & Mrs. Smith, our clients, maintain their buying power in the future by factoring inflation into their model. Listen as we discuss actual numbers of how inflation can dramatically change the future of your financial planning and what might happen if you don’t account for inflation in your future. #BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

The media won't report this…. BUT Banks and Corporations own Life Insurance!In today's Better Wealth Episode, I had the pleasure of bringing back Barry Dykes for his second interview on the podcast as he discusses BOLI (Bank owned life insurance), de-risking using life insurance, and invasion of the communist funds: the passive funds. Listen as Barry dives deep and reveals some amounts of life insurance owned by some big banks, why it is most banks Tier One Capital, and why life insurance is one of the best assets banks can own. We discuss COLI (Corporate Owned Life Insurance) and how companies are using life insurance to de-risk and risk management. We also discuss passive investing and why Barry calls it the invasion of communist funds. I even ask him a question about Bitcoin. Barry encourages listeners to really research and learn on how things like this really work. #BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Episode Links & Resources: Episode #132: “The Pirates of Manhattan” with Barry DykesFDIC: Federal Deposit Insurance CorporationOther People’s Money by Louis D. BrandeisRequiem for the American Dream (Documentary)  Guest Bio: Barry Dyke is the author of “The Pirates of Manhattan" selling more than 100,000 copies his book illuminates the corruption within the U.S. financial service industry. Barry is the President of Castle Asset Management, who for more than twenty-five years has practiced financial planning, founded a pension consulting business, a third-party administration firm, a health & welfare consultancy and a registered investment advisor.Guest Links: Learn more about Barry James Dyke - https://www.barryjamesdyke.com/Castle Asset Management (CAMNH.COM) Pirates of Manhattan by Barry DykeThe Guaranteed Income by Barry Dyke#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

Trying harder isn’t necessarily the solution to achieving more!In today's Better Wealth Breakdown, Dan and I discuss a book by Price Pritchett in his books “You2: A High Velocity Formula for Multiplying Your Personal Effectiveness at Quantum Leaps.” Listen as we discuss a story in the book about a fly that was determined to enter a car by slamming into a window over and over when 12 inches away the window was open. Dan and I discuss the impactful reality of that story in peoples’ lives today that are trying harder and harder to achieve a fraction of what others have, but are failing because they aren’t willing to take a step back and think in a different light. What ways could you get different results in what you are doing?#BETTERWEALTHEpisode Links & Resources: You2: A High Velocity Formula for Multiplying Your Personal Effectiveness at Quantum Leaps by Price Pritchett#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

Not all assets are created equal!In today's Better Wealth Episode, I answer a very common question I get here at BetterWealth on “Where should I invest my money?”  Today I will walk you through the process of how we coach clients and work through the pros and cons of decision making when you want to invest your money.  Assets are not all created equal and we want to be sure that whatever we do with our money it is helping us live more intentionally. Listen as I talk about three questions you should be answering when looking at assets and investments: What is your ROR, your clarity in life? - What would you do if money wasn’t an issue? What is an asset? - An asset is a resource with an economic value that will provide a future benefit. Is this asset getting you closer or farther away from what you want in life? What outcomes do you want? -  What is your outcome, do you want that will help enhance what you really want in life, your ROR? Listen as I also walk you through the 11 attributes to a perfect investment that you should be looking at and prioritizing as you consider an asset/investment.Safe (Low Risk): Your money suffers little to no risk of loss.Liquidity: Your money is accessible for emergencies or opportunities.Growth: Your money multiples at a competitive rate of return.Passive Cash-Flow: Your money produces income on it’s own. Leverageable: You can use your money as collateral.Private: Your money grows without restrictions and has creditor protection.Tax Deductible:You can subtract any money you put into the account from your taxable income.Grows Tax-Free: Your money grows without being taxed.Tax-Free Distribution: You can access your money without paying taxes on it.  Protection/Legacy: You are provided for in the event of tragedy and are self completing. No Contribution Limits: You have no limits on how much you can fund in the asset. #BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

If you are a financial professional, advisor or agent you don’t want to miss this episode!In today’s episode I have the privilege of interviewing Jeremiah Desmarais is a 23-time award-winning financial marketer, speaker, author and CEO of Advisorist, an effective financial marketing company.  His work has generated over two million insurance leads and helped advisors in over 51 countries generate over $300M in sales commissions. Labelled “One the greatest marketing minds in the financial industry”, Jeremiah is a sought after speaker, coach and private mentor to insurance and financial advisors, and countless marketing organisations.Last year Jeremiah put on a virtual summit that was a record-setting event, with over 6,000 registrants and over 20 speakers! It was an event so massive, it’s being certified as the largest online event of its kind for financial advisors. I had the honor to be asked to be part of this years 2021 Virtual Financial Advisor Summit coming in February. The Advisor Summit is FREE to attend!Jeremiah Desmarais joins me today LIVE as we discuss the summit details and gives us a sneak peak of the practical tools, and strategies to build and maintain a virtual practice!Sign-up today for the FREE Virtual Financial Advisor Summit on February 10th! #BETTERWEALTHGuest Bio: Jeremiah Desmarais is a 23-time award winning financial marketer, a TED speaker and philanthropist. He’s been featured on Forbes, CNN, and Worth. His work has generated over $2 million insurance leads and helped advisors in over 51 countries generate over $300 million in sales commissions. He’s been labeled one of the greatest marketing minds in the financial industry. He’s a sought after speaker, coach and private mentor to Advisors, carriers and marketing organizations. He was key in building one of the top 17 fastest growing insurance software companies in the country on the Inc 500 list in less than three years, hitting a record 1500% growth. He then turned around the marketing systems at a multinational insurance automation firm to increase sales by $26,000,000 in just nine months, tripling sales prospects in 60 days, and the firm was sold for $1.2 Billion dollars shortly thereafter.Guest Links: Check out more on Jeremiah:AdvisoristCheck out Jeremiah's Book "Shift: Digital Marketing Secrets of Insurance Agents and Financial Advisors”#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

The interactions, inspiration, encouragement and chastisement that we bring to the table is a coaching philosophy that focuses back on what in life really matters!In today's Better Wealth Episode of From the Frontlines, Jereme and I have been bringing you several episodes where we focus on case study from people we are working with on the front lines and who are in our Unlimited program. In this fifth case study we look at a situation with Mrs. Smith who is walking through multiple financial life changes such as being divorce, raising kids, and starting a new career path. Listen as Jereme walks through her situation on the model, describes the hard work of tracking money, paying off debt, savings, and how she is setting herself up to do what she loves to do and leave a legacy for the future. Follow along as Jereme describes how we use the model when serving Mrs. Smith and why the model has been a pivotal piece to bringing reassurance, clarity, efficiency and hope in the middle of her divorce. #BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Episode Links & Resources: BetterWealth AssessmentBecome an Unlimited Member, Walk Through Your Model, and Get Great Financial Coaching!#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

Unlocking intentional living with three generations of the AND Asset. In today's Better Wealth Episode, I had the pleasure of interviewing David Shirkey, CFO and Director of Strategy of Orbitform, and serves as a project manager, engineer, and regional sales manager.  Listen as David talks about his personal journey in 2017 of financial education when he begins to learn about tax efficiency, cash flow investing, leverage, bank using life insurance, control and his discovery of the power of the AND Asset.  David describes his initial “luke warm” feelings about his own family life insurance policies and how the mindset changed from “just a protection” asset to a power tool that went beyond protection, but Unlocked beer abilities to use, control, compound and develop an incredible legacy.#BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Episode Links & Resources: Becoming Your Own Banker: Unlocking the Infinite Banking Concept by Nelson NashThe Secret Asset by David D’ArcangeloGuest Bio: David Shirkey has worked at Orbitform for over 15 years in capacities including CFO, project manager, engineer, and regional sales manager.  He currently serves as Orbitform’s Director of Strategy, where he leads growth initiatives including new products, new services, acquisitions, and/or other investments.Prior to joining Orbitform, David worked at Chrysler as a manufacturing engineer and production supervisor in several Chrysler facilities around the USA.  David also leads the Shirkey family office.  As part of the family’s second generation, his role with the family office includes; identifying and researching investment opportunities, tracking investments, financial reporting to the family, organizing family events, and keeping mom/grandma happy.David received his MBA from the University of Colorado in Boulder, CO and his BS/MS in Mechanical Engineering from Oakland University in Rochester, MI.#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

Why work towards being more efficient if it doesn’t matter?In today's Better Wealth Breakdown, Dan and I discuss the concept about how you spend your time, because this moment right now you will never get this time back!  How does the theory of “Life is Short” impact intentional living? For everything we say “yes” to we ultimately are also saying “no” to something else.  Listen as Dan and I discuss how we reflect and take an audit of the people we surround ourselves with, how to evaluate our time, and the reason we plan to live more intentionally as we put 2020 behind us and move into 2021! #BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

Efficiency is when you can maximize your distribution and cover your assets!In today's Better Wealth Episode, I will be talking about the Covered Asset Strategy inspired by Wealth Building Cornerstones. If you have an AND Asset at the foundation the Covered Asset Strategy or an annuity is one distribution strategy to discuss, especially if you do not feel comfortable placing your money in the market. Companies with annuity strategies might give you the ability to take out more than 4% at retirement if set-up and used properly, however the big downfall is that you are tying up capital and if something happens to you that money could go away. Listen as I discuss the pros and cons of annuities, why some people select joint annuities, the actuarial math, and why exploring multiple strategies and options for retirement helps with efficiencies in retirement.  #BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Episode Links & Resources: Episode #259: The Volatility Buffer StrategyEpisode #254: The 4% Rule and Sequence of Return Risk

I am joined by my fiance, April Disher!In today's Better Wealth Episode, I introduce you to one of the newest members to the BetterWealth Team April Disher, who is also my fiance. Listen as April and I talk about how we met, why she originally dumped me, our core values, the non-negotiables, and what we are looking forward to in the future! I also highlight April’s passion in heath and her new position here in the company. Be sure to check out more about April and her BetterHeath Podcast!  #BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Episode Links & Resources:  The BetterHeath Podcast with April#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

The AND Asset Handbook Chapter 9: #1 AssetIn today's Better Wealth Episode, I am joined by Aaron Diemer as we walk through the AND Asset Handbook Chapter-by-Chapter. In this episode Aaron will be reading Chapter 9: #1 Asset, while I add some commentary at the end. This is your final chapter of the Handbook so if you haven’t yet listened to the other episodes be sure to go back and listen. Get your own copy of our new updated “AND Asset Handbook” and follow along with us as we read and discuss this powerful resource. If you have any questions or feedback please reach out by emailing [email protected] or booking your Free AND Asset Clarity Call!#BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Episode Links & Resources: Get your copy of the “AND Asset Handbook”More Questions? Book your Free AND Asset Clarity CallEpisode #264: The AND Asset Handbook Chapter 1Episode #265: The AND Asset Handbook Chapter 2Episode #266: The AND Asset Handbook Chapter 3Episode #267: The AND Asset Handbook Chapter 4Episode #268: The AND Asset Handbook Chapter 5Episode #269: The AND Asset Handbook Chapter 6Episode #270: The AND Asset Handbook Chapter 7Episode #271: The AND Asset Handbook Chapter 8#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

The AND Asset Handbook Chapter 8: The Ability and Incentive To Save More MoneyIn today's Better Wealth Episode, I am joined by Aaron Diemer as we walk through the AND Asset Handbook Chapter-by-Chapter. In this episode Aaron will be reading Chapter Chapter 8: The Ability and Incentive To Save More Money, while I add some commentary at the end. Get your own copy of our new updated “AND Asset Handbook” and follow along with us as we read and discuss this powerful resource. If you have any questions or feedback please reach out by emailing [email protected] or booking your Free AND Asset Clarity Call!#BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Episode Links & Resources: Get your copy of the “AND Asset Handbook”More Questions? Book your Free AND Asset Clarity Call Episode #264: The AND Asset Handbook Chapter 1Episode #265: The AND Asset Handbook Chapter 2Episode #266: The AND Asset Handbook Chapter 3Episode #267: The AND Asset Handbook Chapter 4Episode #268: The AND Asset Handbook Chapter 5Episode #269: The AND Asset Handbook Chapter 6Episode #270: The AND Asset Handbook Chapter 7#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

The AND Asset Handbook Chapter 7: Legacy and ProtectionIn today's Better Wealth Episode, I am joined by Aaron Diemer as we walk through the AND Asset Handbook Chapter-by-Chapter. In this episode Aaron will be reading ChapterChapter 7: Legacy and Protection, while I add some commentary at the end. Get your own copy of our new updated “AND Asset Handbook” and follow along with us as we read and discuss this powerful resource. If you have any questions or feedback please reach out by emailing [email protected] or booking your Free AND Asset Clarity Call!#BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Episode Links & Resources: Get your copy of the “AND Asset Handbook”More Questions? Book your Free AND Asset Clarity CallEpisode #264: The AND Asset Handbook Chapter 1Episode #265: The AND Asset Handbook Chapter 2Episode #266: The AND Asset Handbook Chapter 3Episode #267: The AND Asset Handbook Chapter 4Episode #268: The AND Asset Handbook Chapter 5Episode #269: The AND Asset Handbook Chapter 6#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

The AND Asset Handbook Chapter 6: Retirement CashflowIn today's Better Wealth Episode, I am joined by Aaron Diemer as we walk through the AND Asset Handbook Chapter-by-Chapter. In this episode Aaron will be reading Chapter 6: Retirement Cashflow, while I add some commentary at the end. Get your own copy of our new updated “AND Asset Handbook” and follow along with us as we read and discuss this powerful resource. If you have any questions or feedback please reach out by emailing [email protected] or booking your Free AND Asset Clarity Call!#BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Episode Links & Resources: Get your copy of the “AND Asset Handbook”More Questions? Book your Free AND Asset Clarity Call Episode #264: The AND Asset Handbook Chapter 1Episode #265: The AND Asset Handbook Chapter 2Episode #266: The AND Asset Handbook Chapter 3Episode #267: The AND Asset Handbook Chapter 4Episode #268: The AND Asset Handbook Chapter 5#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

The AND Asset Handbook Chapter 5: Control and UseIn today's Better Wealth Episode, I am joined by Aaron Diemer as we walk through the AND Asset Handbook Chapter-by-Chapter. In this episode Aaron will be reading Chapter 5: Control and Use, while I add some commentary at the end. Get your own copy of our new updated “AND Asset Handbook” and follow along with us as we read and discuss this powerful resource. If you have any questions or feedback please reach out by emailing [email protected] or booking your Free AND Asset Clarity Call!#BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Episode Links & Resources: Get your copy of the “AND Asset Handbook”More Questions? Book your Free AND Asset Clarity CallEpisode #264: The AND Asset Handbook Chapter 1Episode #265: The AND Asset Handbook Chapter 2Episode #266: The AND Asset Handbook Chapter 3Episode #267: The AND Asset Handbook Chapter 4#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

The AND Asset Handbook Chapter 4: Lifetime GrowthIn today's Better Wealth Episode, I am joined by Aaron Diemer as we walk through the AND Asset Handbook Chapter-by-Chapter. In this episode Aaron will be reading Chapter 4: Lifetime Growth, while I add some commentary at the end. Get your own copy of our new updated “AND Asset Handbook” and follow along with us as we read and discuss this powerful resource. If you have any questions or feedback please reach out by emailing [email protected] or booking your Free AND Asset Clarity Call!#BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Episode Links & Resources: Get your copy of the “AND Asset Handbook”More Questions? Book your Free AND Asset Clarity Call Episode #264: The AND Asset Handbook Chapter 1Episode #265: The AND Asset Handbook Chapter 2Episode #266: The AND Asset Handbook Chapter 3#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

The AND Asset Handbook Chapter 3: The ScienceIn today's Better Wealth Episode, I am joined by Aaron Diemer as we walk through the AND Asset Handbook Chapter-by-Chapter. In this episode Aaron will be reading Chapter 3: The Science, while I add some commentary at the end. Get your own copy of our new updated “AND Asset Handbook” and follow along with us as we read and discuss this powerful resource. If you have any questions or feedback please reach out by emailing [email protected] or booking your Free AND Asset Clarity Call!#BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Episode Links & Resources: Get your copy of the “AND Asset Handbook”More Questions? Book your Free AND Asset Clarity CallEpisode #264: The AND Asset Handbook Chapter 1Episode #265: The AND Asset Handbook Chapter 2#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

The AND Asset Handbook Chapter 2: The AND Asset OverviewIn today's Better Wealth Episode, I am joined by Aaron Diemer as we walk through the AND Asset Handbook Chapter-by-Chapter. In this episode Aaron will be reading Chapter 2: The AND Asset Overview, while I add some commentary at the end. Get your own copy of our new updated “AND Asset Handbook” and follow along with us as we read and discuss this powerful resource. If you have any questions or feedback please reach out by emailing [email protected] or booking your Free AND Asset Clarity Call!#BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Episode Links & Resources: Get your copy of the “AND Asset Handbook”More Questions? Book your Free AND Asset Clarity CallEpisode #264: The AND Asset Handbook Chapter 1#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

The AND Asset Handbook Chapter 1: The Financial Pyramid & The 4 Guiding PrinciplesIn today's Better Wealth Episode, I am joined by Aaron Diemer as we walk through the AND Asset Handbook Chapter-by-Chapter. In this episode Aaron will be reading Chapter 1: The FInancial Pyramid & The 4 Guiding Principles while I add some commentary at the end. Get your own copy of our new updated “AND Asset Handbook” and follow along with us as we read and discuss this powerful resource. If you have any questions or feedback please reach out by emailing [email protected] or booking your Free AND Asset Clarity Call!#BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Episode Links & Resources: Get your copy of the “AND Asset Handbook”More Questions? Book your Free AND Asset Clarity Call#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

The New Year brings a reflection of the past year and plans for intentional living in the New.  Goodbye 2020 and Welcome 2021! In today's Better Wealth Episode, I say goodbye to 2020, welcome in 2021 and share with you our goals this year here at BetterWealth. Listen as I talk about our company goals of working through EOS (Entrepreneurial Operating System), creating Playbooks and Courses for advisors to learn how to run a full virtual company, The AND Asset movie, the X-Ray, and our Unlimited Coaching Program. If you have any questions or want more information please reach out to [email protected] or contact me at [email protected]. Listen as I also reflect on one of my last conversations with Gregg Hielema before he passed, “Don’t forget why you started BetterWealth” and how I challenge listeners to measure their success in 2021 using Gregg’s metric of measurement -  “Don’t forget why…”!  Have a very intentional 2021!  Happy New Year’s from BetterWealth! For more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

Decisions made in a vacuum are not wise choices!In today's Better Wealth Episode of From the Front-lines, Jereme and I have been bringing you several episodes where we focus on case study from people we are working on the front lines. In this fourth case study we discuss the case study of someone who came to us and wanted to have the AND Asset, but was shocked to learn what happens when decisions are made in a vacuum and what it looks like to gather data, look at a model, use tools most efficiently to make decisions for better intentional living in the future. For more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

So many people play small and are afraid of taking big risks!In today's Better Wealth Episode, I have the pleasure of interviewing Joe Sanok, thought leader, productivity researcher, speaker, author, and business owner. Joe shares his story of working in counseling, mental health, a career in a community college, and his journey of discovering his passion project for something bigger and better. In his new upcoming book “Thursday As The New Friday” Joe shares a sneak peak by discussing with me the history of the 40 hour work week, the philosophies & psychology behind productivity, and why companies seeing better success and productivity are those who are changing to more flexible creative scheduling, and working at what they are best by off-shooting tasks. Joe shares with us his daily challenge question that drives his productivity -  “What do I hate in my work week that can be taken off my plate?” Listen as Joe explains his experience and expert data on the impact of podcasting on businesses and the ways he helps companies expand their business by launching their own podcasts.#BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Guest Bio: Joe Sanok is a thought leader, productivity researcher, and speaker. As a TEDx speaker, HarperCollin author, business consultant, and podcaster Joe helps people to slow down to spark more innovation. Joe has the #1 podcast for counselors, The Practice of the Practice Podcast. With interviews with Pat Flynn, John Lee Dumas, and Jaime Masters, Joe is a rising star in the speaking world! Joe is a writer for PsychCentral, has been featured on the Huffington Post, Forbes, GOOD Magazine, Reader's Digest, Entrepreneur on Fire, and Yahoo News. He is author of five books and has been named the Therapist Resource top podcast, consultant, and blogger. Guest Links: Podcast Launch SchoolPractice of the Practice#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

We have over $100 trillion in unfunded liabilities in this country!!!!In today's Better Wealth Breakdown, Dan and I discuss a concept in the book “Managing Foundations and Charitable Trusts” by Roger Silk that Social Security is a Government Sponsored Ponzi Scheme. Listen as Dan and I dive into the history of Social Security, how it was established, the seven reasons why it is like a ponzi scheme, the three reasons why it is different and what the future of social security might look like in the future. Social Security is like a Ponzi Schemes for these 7 components; 1.) great investment for early investors, 2.) it pays existing investors using funds from new investors 3.) Lack of easy transparency 4.) misapplication of investor funds 5.) funds invested with a related party 6.) the related party is unlikely to ever pay the funds back in real terms and 7.) no outside audit. However, it is different for these three reasons 1.) The sponsor, the U.S. government, can and does compel people to pay into it 2.) The sponsor, the U.S. government, has the ability to simply print the money to pay the benefits and finally 3.) The sponsor, the U.S. government, can and does change the rules in the middle of the game. Listen as we discuss the differences of contributions and taxes with social security, unfunded liabilities, how it works for the future.#BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Episode Links & Resources: Managing Foundations and Charitable Trusts by Roger SilkUS Debt Clock.org#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor