FAQs

Is the 60% total annual return legitimate?

Yes. You are providing capital, which the organization uses to grow his company. In return, you receive an interest payment of 5% each month. This is guaranteed in the 12-month contract.

First and foremost, I want to educate you. I started off as a novice, just like yourself. I made mistakes and learned along my financial journey. I want to pass along my knowledge to you, as well as providing guidance. Secondly, I am not tied to just one type of wealth building or passive income method. I have up to 30 Life Insurance carriers for which to compare and assess to determine which ones are best for helping you meet your financial goals – if that is an avenue you pursue, as well as other avenues for building your wealth or increasing monthly income. Third, I receive the same commission regardless of the Life Insurance carrier you select, if you chose that route. This insures I have no incentive to purposely push a specific carrier over all others. Lastly, this is not my primary source of income. Therefore, there is no need for me to pressure you.

Yes. My California license allows me to offer Life Insurance to anyone in any state. For me to receive my commission from a state other than California, I just need to submit the proper paperwork and pay the respective state fee. The other opportunities do not have any sort of state restrictions.

  • The cost of living is severely outpacing wages. A dollar yesterday does not have the same buying power as it does today. Today’s dollar will have less than tomorrows.
  • According to a Harvard Business Review, “a survey of 1,006 global executives in December 2025, AI is behind at least some layoffs, but that these are almost completely in anticipation of AI’s impact.” My background is in warehouse operations. I have come across numerous articles, business decisions, and new technologies which are designed to replace human workers. An article in Forbes states Amazon announced they will “use robotics in place of hiring an additional 160,
  • In the end, you only have so many working years. You will retire at some point. By investing, you can dictate when you retire, while still living a comfortable life. When the unfortunate day comes when you are no longer with us, your family will not have financial stress or worries.
  • You can do both. Will there be some sacrifice? Yes. However, that does not mean drastic compromises. The sooner you start, the smaller amount you need to set aside. The longer you take to begin means the more you need to invest. This is known as “catching up.”
  • When I was in the Army stationed in Hawaii (99 – 03), the Dow Jones was at 9,000. It would go above 10,000, then come back down. As of Feb 2026, the Dow Jones is at 49,662.66. Imagine if 25-year-old me put monies into an investment that was linked to the Dow Jones? In comparison, if I start that strategy now, assuming the Dow Jones does grow at the same rate, I will be 75 years old, instead of my current age of 50, before reaching that same financial level. What if I started at 25 years old and waited until I was 75 years old? Imagine the growth over a 50-year period.

Never too old to start. I found a mentor when I retired from the Army at the age of 45. Over the next couple of years, he taught “Good Debt” vs. “Bad Debt”, the difference between pouring all my money into paying off debt vs. holding onto debt in order to invest and let my money make money. These principles dramatically changed my approach to money, debt, and paying off debt. After 2-years of applying this new understanding, I was able to retire from the typical 9-5 job. While my friends and family are still working or worked up until a much older age, I am happily living the retired life at 50.

  • Ask any financial advisor what their fee is for a managed account. 
  • 1% is typical
  • When deciding on what fund(s) you want the financial advisor to invest into, ask what is the total fee for managing all the accounts?
  • For example, if your monies are spread amongst 10 different funds, each fund could come with a management fee.

 

  • It’s ok to start small, then invest bigger as your cash flow increases
  • The sooner you begin, the more time your money has to grow.
  • Good question to ask the financial advisor upfront. Most investments allow you to stop contributions. Not all do, however. Therefore, ask at the beginning, whenever you open a new investment, transfer funds into another investment, and when you are planning to withdrawal the funds.
  • 59 ½ is the typical “magic age” to withdraw without tax liabilities. 
  • If tax liabilities apply, you will have a 10% federal penalty tax for early withdraw, plus the regular income tax bracket.

 Good question to ask the financial advisor upfront. Whether the invested funds are from pre-taxed and post-taxed monies will determine the answer. Ask at the beginning, whenever you open a new investment, transfer funds into another investment, and when you encounter a financial hardship.

  • It does not matter the age you are when you withdraw funds. Your tax bracket (total income) at the time is was dictates how much you get taxed. 
  • Typically, older people make less because they are only receiving Social Security, plus whatever investment payouts and pensions. However, if you are still working at the age of 59 ½ or older, your job income along with all other income streams may likely be higher than what your Social Security and other sources of income would have generated.
  • When it comes to taxes, the federal government does not concern themselves with how old you are. Only how much income you are claiming

  • Federal Tax Bracket

     

     

    Income

    Amount of Income Taxed at Respective Tax Bracket

    Tax Amount Owed

    10%

    $0 to $12,400

     

    $12,400.00

    $1,240.00

    12%

    $12,400 – $50,400

    $50,400.00

    $38,000.00

    $4,560.00

    22%

    $50,400 – $105,700

    		 

    $55,300.00

    $12,166.00

    24%

    $105,700 – $201,775

    $201,775.00

    $96,075.00

    $23,058.00

    32%

    $201,775 – $256,225

    		 

    $54,450.00

    $17,424.00

    35%

    $256,225 – $640,660

    $309,779.76

    $53,554.76

    $18,744.17

    37%

    $640,660 and Over

     

     

     

        

    $309,779.76

    $77,192.17

The income amount that falls into each tax bracket is taxed at the respective tax rate.

Federal Tax Bracket

 

 

Income

Amount of Income Taxed at Respective Tax Bracket

Tax Amount Owed

10%

$0 to $12,400

 

$12,400.00

$1,240.00

12%

$12,400 – $50,400

$50,400.00

$38,000.00

$4,560.00

22%

$50,400 – $105,700

 

$55,300.00

$12,166.00

24%

$105,700 – $201,775

$201,775.00

$96,075.00

$23,058.00

32%

$201,775 – $256,225

 

$54,450.00

$17,424.00

35%

$256,225 – $640,660

$309,779.76

$53,554.76

$18,744.17

37%

$640,660 and Over

 

 

 

    

$309,779.76

$77,192.17

 

  • If you are making 1%, wouldn’t you want 2%? If you were making 3%, wouldn’t you want 5%? And so on.
  • Would you be interested increasing your ROI and reducing your risk?
  • At your level, diversification is feasible.
  • I can present you with opportunities other have not or cannot.