Wealth Talks

Insight on Real Estate Investing and The Perpetual Wealth Code™ with a "lump sum" of money versus an income stream. Discover why balancing life insurance with other investment opportunities is more important than trying to get the max $ into life insurance premiums immediately. Episode Resources: Podcast.Life-Benefits.com

Listen to this podcast and better understand Universal Life and the risk assumed by the policy owner. Discover why basing your financial foundation on guarantees which are maximized in a properly designed Whole Life product is of such importance to you and your financial well being.

Special guest Dan Foley, CLU (Vice President of Marketing Technology at Security Mutual Life Insurance Company of New York) joins Dr. Tom and John McFie to share how dividends work in a whole life insurance policy with a mutual company. Discover why dividend rates vary from company to company and the best ways to compare the performance of insurance products.

How to manage debt wisely whether it's a mortgage, car loan, business loan or policy loan. Life Insurance plays a key role in providing protection against outstanding debt and becomes the best environment for savings and a foundation for other investment opportunities.

This week on Wealth Talks Tom and John talk about the keys to a successful budget. Listen to this episode and discover how a percent based budget can provide you more freedom and scalability than a traditional flatline budget based on fixed expenses.

Should you replace an existing life insurance policy or keep what you have? Today we clear muddy waters surrounding this question and share some key factors that can help you make the best decision.

We don't usually talk about job reports and confidence levels, but some special things are happening right now. Despite the looming stock market crash from unprecedented highs which has been predicted by several experts, the next few years are likely to be a great time for small business growth, translating to more personal income and savings for middle-class Americans. Consider these facts and how you can improve your position now so you're ready when opportunity knocks.

Joe Biden says "I no savings account, but I have a great pension and a great salary." For those of us who don't have a six figure pension backed by taxpayers, discover how to plan for the future in a way that keeps all the options on the table as long as possible.

The holiday shopping season is here again. Today we explore smart shopping tips (offline & online) integrated with The Perpetual Wealth Code™ to save you time and money.

Discover why 10-pay policies are NOT the best way to build wealth using life insurance. Dr. Tom and John McFie discuss a recent case and how the agent erroneously tried to reason that "the policy loan rate doesn't matter because you get it all back in the end."

Being thankful is a powerful way to generate wealth that can never be replaced or taken away from you.

Special guest Layla Vanderslice joins Dr. Tom and John McFie sharing about Diversification. Is it good or bad? Why does Warren Buffet say diversification is for people who don't know what they're doing? Are Mutual Funds diversified? Is PWLI diversified? Are there different types of diversification? How does it all pan out in the end…especially if you need Long Term Care?

Do you want to payoff the mortgage on your house or have the money to pay it off? This is an emotional decision as well as a financial one. Listen with an open mind.

Bribery and conflicts of interest are rife in Politics, Media, and Money Management. The recent fiduciary ruling by the Department of Labor seems to be an effort to correct some of the shenanigans, but it slaps good people as well as the bad guys. Listen and discover why the fiduciary rule will end up hurting people with small to average size portfolios. Is this ruling the result of another conflict of interest?

Rich people look for strategies and "loopholes" to avoid and defer taxes all the time. But some strategies only make sense for people with extra money sitting around. Discover how life insurance translates some "big boy" strategies to a practical level for anyone who has the ability to manage money.

Fresh from the 2016 Wealth Summit, this week we share some thoughts as we all get back to the daily routine. Discover what you missed and be sure mark your calendar for the 2017 Wealth Summit.

Gracine joins the show today to share some underwriting rules and an easy way to calculate "Human Life Value". Discover how to use term life insurance as insurance for permanent life insurance AND income replacement for your family at the same time.

Saving and Investing should never be equated, although they can cooperate together. Discover the proper places for saving and investing with The Perpetual Wealth Code™.

Is it better to Share property, Own property, Or to be a Steward of property? Explore the history of different property control methods, and discover the best model for growing and protecting your wealth.

Tom and John McFie analyze 8 Savings tips from a recent article and share considerations how to make your Savings plan into a Way of Life rather than a strict budget item.

In this Episode Tom and Michele McFie are in the studio together talking about Time, Money and Numbers. Listen in for some life changing ideas, thoughts and encouragement.

A quick update on market conditions and why it is NOT a good time to retire. Market conditions and better longevity mean a reconsideration of withdrawal rates, and a higher probability of the need for Long Term Care. Together let's review the important points and explore another perspective.

A peek behind the scenes - discover the McFie family's teamwork at Life Benefits. People often ask us "what do you do in the business?" Of course we wear many hats but here's a quick look into what we were doing last week.

For busy people: An "Executive summary" on the pros and cons of Tax Qualified Plans, Mutual Funds, Margin Accounts, Bonds, CDs, Real Estate, and Life Insurance in about 30 minutes.

Is the Money Problem a MACRO problem (i.e. government/society level) or a MICRO problem (i.e. individual/family level)? Michele joins Dr. Tom and John McFie to share about Life Lessons and how they apply to money and wealth. We touch on many things…from the caller who said "I should have learned this when I was in 8th grade" to thinking in percent and why the control of money is so empowering.

In this episode Ben and Gracine join the podcast to share some interactions with people at a recent event they were sponsoring, and John shares some must listen podcast episodes from the archives… You don't want to miss these

Patience is a virtue especially when it comes to making more money and keeping more of what you make. Speculation and "get rich quick" strategies feed on the multitudes who lack patience. Build a guaranteed foundation first…the slow and steady is

Michele joins Dr. Tom and John McFie for this episode to talk about the best time to start using The Perpetual Wealth Code™. Waiting until later is never a recipe for success... it is much better to start from where you are right now and build.

Today's Podcast is a live teleconference recording of Tom Ziglar talking about Dream Alignment and transitioning from Success to Significance. Usually we charge for recordings like this, but the message was so good we couldn't resist sharing it on this Podcast! ENJOY!

Our material is being misconstrued! At least we ought to feel grateful that it is popular right? We do feel honored on that score, but now listen in to find out what's happening. Please take everything we publish in context and be wary of high pressu

How do Muni Bonds @ 4% compare to Cash Values on a Participating Whole Life Insurance policy? Listen in to discover our findings on a recent case plus what the Wall Street Journal has to say about "How Muni Bonds 'Yield' 4% in a 2% World".

Zig Ziglar said, "Positive thinking won't let you do anything, but it will help you do everything better than negative thinking will." Despite this fact, many people still think in negative terms even when they have a fair degree of financial "success". So Do this…Replace your negative thinking habits with positive thinking habits your life and wealth will improve.

What if I can't make my premium? What if I lose my job or the economy crashes? Michele joins Dr. Tom and John McFie exploring some questions on the "front line" at Life Benefits.

What Divdends mean and why we use the Paid Up Additions option by default. Dr. Tom and John McFie also discuss how long to pay the premium on a Whole Life policy.

Discover the pros/cons of 10-pay life insurance policies, and when it makes sense to add additional policies to Your Financial GAME. Get clarity for your specific situation by scheduling a complimentary no pressure Strategy Session.

Is there a place for Term Insurance? Yes. Dr. Tom and John run through the different varieties of Term Insurance and how to use them effectively to protect your family and provide the best options for your financial future.

Enjoy this bonus episode, and have a good Memorial Day weekend.

Discover how to minimize lost opportunity on vacation money by using life insurance and The Perpetual Wealth Code™. Dr. Tom and John McFie share how the process works and reveal the limitations.

One size does NOT fit all. Too many financial experts try to pigeon-hole clients to fit the product they sell. Dr. Tom and John share the difference between prepackaged hybrid products and the building materials that will allow you to create a firm foun

In this Episode, Dr. Tom and John McFie share some key thoughts from visiting the Money Show today. They share about some of the sessions they attended in the morning and why they're glad they didn't travel across country to attend.

In this episode learn why it is good to use numbers in planning, but not to run your whole life. Discover the balance between Money, Numbers and Wealth plus a look at how the McFie Family integrates different family talents in one business.

Gracine McFie, shares good books for teaching your children about wealth, and a glimpse behind the scenes into her daily work at Life Benefits.

Listen to this episode and learn how the Average American spends money, and saves money for the future. On this episode, Dr. Tom McFie also shares his perspective on Currency Collapse.

In this episode encounter some pros and cons of tax deferral and understand how to use Life Insurance to get some benefit from tax deferral without losing access to your principal.

In this episode Dr. Tom and John McFie take a look at a 20yr Actual Rate of Return on the S & P 500 compared to the tax equivalent rate of return on Participating Whole Life Insurance Cash Values. They also address a common question: Should you take a pol

This week on Wealth Talks, Dr. John Schellenberg joins Dr. Tom and John McFie to talk over strategies for buying a house AND the best methods to retrieve money from Tax Qualified Plans.

Learn how to make sure your legal documents will do what you want them to do. Resource Link: documentreview.life-benefits.com* Includes Bonus to last episode: Info that Dr. Tom McFie’s Dad received from Social Security in 1948.

This week on Wealth Talks Tom and John McFie talk about Social Security and how it was sold as an “Insurance Plan” but turned out a “Ponzi Scheme.” In addition to the history, find out what is affecting Social Security today so you can make good plans for the future. Website: www.life-benefits.com Phone: 1-866-502-2777

Think through your options first. In this Episode Dr. Tom and John McFie share some recent cases. Many insurance agents ignore important consequences to pad their pocket and sell a bigger 1st-year premium which = more commission.