Ditch the Cookie Cutter Retirement Plan

Discover how to transform your life insurance into a valuable retirement asset with Ben Mohr's expert guidance. Learn the strategies and techniques to maximize your policy's potential and create a secure financial future. From understanding the basics of life insurance to advanced retirement planning, this video will provide you with the knowledge and insights to make informed decisions about your financial well-being.

BEN MOHR is a trusted leader in retirement and income planning, with a strong focus on alternative investments and life settlements. As founder and CEO of Ben Mohr LLC, he leads one of the top firms specializing in life settlement solutions, offering expert guidance for navigating complex financial decisions. Ben works closely with clients to uncover hidden value in their financial portfolios, often helping them turn unwanted or unneeded life insurance policies into powerful retirement assets. Driven by his passion for empowering professionals in the field, Ben launched Life Advisor Solution - a cutting-edge platform providing mentorship, marketing tools, and business development strategies for agents. This initiative empowers advisors to achieve unparalleled success in their careers. Ben also plays a key role as part of the RMO Insurance & Retirement team, where he continues to help clients secure financial stability through personalized strategies and in-depth knowledge of life settlements.

Ben’s goal is to help individuals approaching retirement make confident, well-informed financial decisions without the confusion or pressure. His clear, practical guidance and proven results have made him a trusted resource for those seeking security and peace of mind in retirement.

CONTACT DETAILS:
Email: [e-mail]
Business: Life Advisor Solution
Website: https://lifeadvisorsolution.com/ 

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Episode Transcript

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Speaker 2 (02:12):
Welcome to Just Minding My Business Media. I hope you
are having an amazing day and I am so excited
to bring to you today Ben Moore, who is a
trusted leader in retirement and income planning with a strong
focus on alternative investments and life settlements. As founder and

(02:34):
CEO of Ben Mooard LLC, he needs one of the
top firms specializing in life settlement solutions, offering expert guidance
for navigating complex financial decisions. Wow, welcome Ben.

Speaker 4 (02:51):
Thank you so much for having me Ia. It's been
a pleasure meeting you.

Speaker 2 (02:55):
Absolutely absolutely, Okay, So this is always a hot tap
It money, yes, all of that, Yeah.

Speaker 4 (03:07):
BAX is money, yes for everybody of course.

Speaker 2 (03:10):
Yes, indeed, So what do the wealthy investor wealthy investors
do differently than the rest of us.

Speaker 4 (03:19):
Well, I mean one of the areas that you hear
all the time people talking about things like private equity,
and they may not understand what exactly that means. Is
things like private equity or alternative investments are areas where
exactly what it means alternative meaning it's outside the standard market.
You know, most people, if they have a four to

(03:39):
one K or an IRA, they're just used to kind
of what I call a cookie cutter mold. Right. We
all know the stocks, the bonds, maybe ETFs, mutual funds,
and that's about all they have, and many people realize
that there are other options. The average person I know
who invests usually will have money in the market, and
where's the second place they're going to buy? Maybe they

(04:00):
buy a piece of real estate for investment, right, and
then that's it. I kind of call that the chocolate
and vanilla. They might go get something that's known as
an annuity. We've all heard of it. It's kind of
like a self pension plan. Those are kind of just
the stables that we all grew up with. But people
don't realize that there is a vast opportunity out there
in the world for alternatives. One that people are very

(04:21):
familiar with these days, and I'm not involved in it.
Is crypto, right, Crypto would be considered an alternative. I'm
not sitting here saying I like it or don't like it.
It's not where I work. But that would be a
classic example of an alternative, or say buying precious metals.
You hear people doing that. That's also an alternative. Something outside.
We are in a space of life settlements. We can

(04:42):
go into that in a bit. But this is where
the ultra wealthy will do, is that they will take
a portion of their money knowing that the market will
tank at some point. Most years it does well, but
they are hedging against market risk by looking into an
alternative space. And almost any person who has a high
net worth you will see, gets beyond the comfort zone
of just the market to start looking for opportunities. And

(05:05):
they are out there.

Speaker 2 (05:07):
Yeah, so now you got to tell us what they are.

Speaker 4 (05:11):
Well, our area where we sit when we talk about alternatives,
a lot of places I'll go through. People have heard
of crypto. People know about real estate investing a bit,
things like precious metals. We see commercials for that all
the time. Buy gold by Gold, Okay, it's pretty simple
to understand. There's things in such things known as oil
and gas rights. That's where you can pay to be

(05:32):
part of a thing. And if they find oil, hey
you struck at rich. We know all of that. Okay.
Our area where we sit in is what's known as
life settlements, and this is my elevator speech. What we
do is we buy out life insurance policies from elderly people.
Somebody who's maybe seventy five eighty eighty five years old,
who has some health concerns and they now want to

(05:54):
get rid of their insurance policy because they don't want
to pay for it anymore, and they really don't have
a need. Ida right, families are old. Why do we
have insurance to protect our families. Well, if you're eighty
years old, your kids are probably in their fifties or sixties,
you really don't need the death benefit anymore. So what
they're able to do is come to our company, sell
us their policy, and we pay them a portion. So

(06:16):
maybe we buy a million dollar policy for two three
hundred thousand dollars, and now they have that money for
end of life care. Right now. What we do is
we package those policies into a portfolio, maybe five policies,
and investors can come in and now own portions of
these policies. So you're owning. Somebody comes to me, they're
going to wind up. Let's say they do one hundred

(06:37):
thousand dollars. That one hundred thousand dollars is going to
be spread out over five policies, and then you get
a portion of the death benefit when that person passes away.
Sounds a little ghoulish. I know that that's just the upfront.
I get it. But the issue is, if you think
about it's a win win for everybody. Right. John Smith
eighty two years old doesn't want his policy anymore, doesn't

(06:59):
want to have to pay for his policy anymore, so
he's more than happy to give it up, and he's
getting care for end of life, which is very crucial
in these days. We know this, right, and so it's
what we call more of a compassion investing. You can
be feel good about yourself knowing that that money went
to somebody so they could take care of themselves at
the end of the life. They didn't want the policy,

(07:20):
and then you get paid out when they pass away.

Speaker 2 (07:22):
It's a win win, Okay, that's definitely outside the box.

Speaker 4 (07:28):
Yes, yes, ninety nine percent of the people I talked
to are like, I've never heard of this. But what's
so interesting? You were talking about the wealthy Warren Buffett
probably the smartest you know, investor of all time, as
people would say, I call him like the Yoda of investing,
the Wizard of Wall Street, as they say. He's owned
over a billion dollars worth of life settlements over the

(07:49):
last few decades and has kind of kept it quiet
because people don't really understand and it sounds ghoulish. A
lot of big banks have done the same. So what
we did as a company over the last couple decades
is take what the ultra wealthy have been doing and
kind of keeping it a secret and now bringing it
to main Street, right, getting the average investor a chance

(08:09):
to do what these people are doing.

Speaker 2 (08:12):
That's very, very, definitely different and I never heard of
it myself, right, Sure you know you are enlightening us.

Speaker 4 (08:23):
Yes, right, It's not hard to invest. I mean, we
would sit down with people, will go over it what
they I know it sounds to get in the details,
but you'd never buy a house if you weren't able
to have an appraisal and get a home inspection. Right.
You wouldn't buy a car without looking on the hood.
We have the full what we call life expectancy reports
that breaks down if somebody wants to look at them

(08:45):
to see done by a doctor. That shows you why
they came up with the it's a life expectancy report.
So what they'll do is tell you roughly how old
this person will probably be when they pass away, right,
And this allows you to know. It looks family history,
health history, social history, and it breaks all those down
to say this person might live four years or five

(09:07):
years or six years. And that's how we base the
investment on. And this is all fully transparent to the
investor to come in and look at those reports, so
you're not just going in blind. We have all the
information you would ever need to really decide which policies fit.
What you do just as you would do is if
you're looking at a mutual fund, You and I could
easily look up a mutual fund right now and see

(09:27):
exactly who's behind it and what they're investing in. It's
the same idea, it's just a different premise of what
the investment's based on. What we stick on this is
is that there's no stock market risk to this, and
it's one of the few investments I've ever seen out
there where I use this term where it's a non
correlated asset. What are we saying there. It means that

(09:48):
this asset has no correlation really to anything out there,
any outside influence, right, whether it's foreign war issues in Gaza, Ukraine,
bombing and Iran, or the tariffs or any of these
things that politics. Right, that's what we're seeing in the
world today is anything politically can pop up on a
given week and y'all said, and you see the stock

(10:10):
market drops by five percent, Right, So guess what if
you own a life insurance policy on eighty two year
old John Smith who lives in Alabama, you don't really
care about that money on that sense of how it's
affected by what's going on politically, what's going on the economics.
The bottom line is you own a piece of their
life insurance and that's it. It doesn't go up and down,

(10:32):
it doesn't waiver based on all of these outside influences.
So what we like to say is what we offer
is no stock market risk, competitive returns, and a non
correlated asset not affected by economy. Politics, foreign wars, or
even things like pandemics like COVID.

Speaker 2 (10:50):
Wow, that's interesting, very very interesting. Yeah, So what happens
when the person becomes deceased then you collect?

Speaker 4 (11:04):
Yes, yes, so that's how it works. Yeah, I'll walk
you through the process as we speak. Right now. We
are in the process right right before I got on
here with you, and I just met with my lawyer
how to drive down come back because we were made
aware recently that one of the people had passed. So
now we have to go and get the death certificate,

(11:25):
which we have legal rights to because we have what's
know as an investable interest on that person. So we
have to go to the court get the death certificate,
just like the family does, and just like a family would.
We now send in the paperwork with the death certificate
to the insurance company. Money comes in, and then we
distribute it to the investors. And in this case, it's
a three million dollar policy that's going to go out

(11:48):
and be sent out to about twenty to twenty five
investors involved in that policy, and their aprs on this
are hovering around sixteen to eighteen percent. That's annual percentage
rate sixteen to eighteen percent on something where they never
had risk in the market. Now, as any TV commercial says,
you know, what is it? They say, like, you know,

(12:08):
we you know, it's not that we can't say that
you're going to do that all the time, right. I
mean it's hit and miss sometimes, but we usually see
clients doing decently well, you know, as we said, competitive returns.
So that's the way it works. The other thing I
want to mention that people don't realize is they can
use the retirement funds to buy into this. Matter of fact,
seventy percent of our clients use their iras or roth

(12:31):
iras to come and invest in this. We think it's
a wise choice there. So that money when they make
it is actually tax deferred. They won't get taxed on
it when they get paid. It'll just sit in their
retirement account and we will be tax deferred.

Speaker 2 (12:44):
Oh wow, yeah, I mean that sounds like a win
win all the way around.

Speaker 4 (12:49):
We like to say win win. I mean obviously you
know then people go, oh, well, is this safe and guaranteed?
And I say no, the only place you're going to
get safe and guaranteed is when you buy CDs, treasury
notes from the government. Things of that nature. We just
we don't have risks like stock market. Realistically. Here it's longevity, right.
We think this person's supposed to pass away in four

(13:10):
years and they live longer, your returns that are going
to drop. But that's why we make sure you're diversified.
We don't want people putting all their eggs in one
basket and just saying, hey, I'm taking one hundred thousand
and I'm going to go buy that one John Smith policy.
We want you to buy five right, because that way
it decreases variance and make sure that, yeah, you're going

(13:30):
to have some home runs and you're going to have
some decent cases. In a couple cases might go long
and you might see lower returns on that, but blended,
you're going to see a pretty decent return overall. And
the key here is I want to get through to
your listeners is that with us, you're not investing everything.
It's not a hard decision. We usually only have people

(13:50):
invest about five to ten percent of their net worth, right,
And why would that be because it would be completely
irresponsible for us to sit down with somebody and go,
oh yeah, put all your money in this, because what's
the problem. It's a liquid once it goes in, we're
not taking it out. But this is where you just
take a small slice of your money so that when
the market has that bad year or the economy is

(14:12):
not doing so well, this will make up for those
years where it's not going so well. And matter of
fact that Warren Buffett probably has less than ten percent
of his net worth in this as well. And we
just tell people kind of like those old be like
Mike commercials with Michael Jordan. Right, remember that I know
we're in that same age group, right, it is be
like Mike. I go, hey, Warren Buffett is the goat

(14:33):
as they say, the kids say these days, is Warren
Buffett is is the Michael Jordan of investing. So I
go always say, why not be like Warren Buffett? If
he's doing it, it's something you might want to listen to.

Speaker 2 (14:45):
Absolutely. So if people want to invest, how did they
connect with you?

Speaker 4 (14:50):
Right? So, we have a national platform and we have
a platform in California. The easiest way to get in
touch with us would be go to our website, which
is Life Asset LLLC dot com. I'll repeat that again,
Life Asset LLC dot com. What's great on their ida
is it has all instant information. There's an ebook on

(15:12):
what we're talking about. There, there's a fifteen minute webinar.
So if you're a person likes to look at stuff
and follow through, you want to read, We have the
current overview of all the policies, brochure everything they would
need information so that it's readily at their fingertips. We're
not the kind of people where it's like, give us
your email, give us your phone number, and we're going

(15:33):
to hit you up.

Speaker 1 (15:34):
No.

Speaker 4 (15:34):
Our angle is we're here to educate. We want to
give that free education everybody upfront because we respect the
people who want to hear about what we're doing, and
we know that if they have an interest then they
can book an appointment with us on there. Otherwise, you know, hey,
we just want to make sure everybody is more informed
that whether it's with us or you want to look
at other alternatives. As I mentioned the other ones, which

(15:56):
are of course competitors. Are that just knowing to have
the knowledge that you're they're not stuck in this cookie
cutter mold that your advisor's telling you you have to
buy stocks, have to buy bonds. That's an area you
should have some money in but it's not the only place.
They're not the only store in town.

Speaker 2 (16:12):
And it's diversified.

Speaker 4 (16:14):
Absolutely. Our term is truly diversified, true diversification. Diversification doesn't
mean that you spread your money all over the stock market.
True diversification means that you have money working outside the
stock market for you as well.

Speaker 2 (16:28):
Absolutely absolutely, So, let me ask you, once the person
deceased handles the final arrangements.

Speaker 4 (16:37):
Final arrangements, in what way they?

Speaker 1 (16:41):
Oh?

Speaker 4 (16:42):
I don't mean to be callous, but this is a transaction.
Right when we give the money to that family, as
far as our relationship with them is, we're done. Okay.
John Smith's family was paid the money up front. Now
all we're concerned about on our side is literally, and
I don't mean to be callouses, is he still living

(17:02):
or is he passed? Okay? So what we do is
we have access to multiple areas to find out if
he's still living. One, we have legal rights to call
the family and in our agreement, they have to tell
us he's alive. We also have access to the Social
Security database that shows if benefits have been shut off.
But what's funny in this era, the number one way
we find that somebody has passed. Is we also have

(17:25):
access to family's Instagram and Facebook accounts, because isn't that
the way these days that we all find out that
grandma or great auntie has died. Is no one does
obituaries anymore. It's just on there. So that's how we
stay on top to know if the person has passed.
Then we contact the family and then we go and
get the death certificate and so on and so forth.

(17:47):
As far as their arrangements, we're not involved. We don't
have a personal relationship with the family. I don't think
that they want the guys showing up at the funeral
who they know are getting three million dollars. I mean,
it's a heck of a bouquet to be sending it
that family thing.

Speaker 1 (18:03):
You know.

Speaker 4 (18:03):
I mean, that would be a little too goulish for us.
It's like, hey, sorry, grandma died, but we got to
go cash this check. Right. You gotta have a little
sense of humor about this, So we just like to
keep this a business relationship. Hey, we paid you, and
your family goes on with that money. You guys got
end of life care for your grandpa. We're now just
going to deal with the outside entity of dealing it

(18:25):
on a monetary basis.

Speaker 2 (18:27):
Now, what are the ranges of policies that you.

Speaker 4 (18:31):
Buy well anywhere from. We usually do not try to
buy anybody who is think about this, like you, you know,
we're not going to go buy anybody who's who's younger, right,
because even if they had an issue because of medical science, right,
we know this, somebody fifty five years old can say, hey,
I have cancer. You know that's that's unfortunate for them,

(18:54):
but that with medical advances, there's a high likelihood that
they might get an experimental drug out there. And we're
looking at this as an investment. We're just dealing with
time and age, right, so we want that cookie cutter
seventy five eighty five year old range. Most of the
policies are going to be anywhere from as low as
two hundred and fifty thousand dollars up to three million dollars.

(19:15):
Now that remember, the investor isn't buying the full three million.
They might own one percent of that policy. So that's
kind of we like to stay in there. The other
thing we don't do is what I call the healthy
wealthy because I have experience with this in the past.
A lot of people go out there and try to
buy ten million or five million dollar policies because you
can get them actually percentage wise cheaper because there's not

(19:36):
a lot of people fighting to you know, no one's
going to pay. It's hard to bring up three million
dollars on a ten million dollar policy. The problem on
that is is that these are people who are ultra
wealthy and can have medical stuff done even in their
advanced age. To make it go on longer, we deal
with policies what I call Joe sixpack policies. Right, people

(19:58):
go to Kaiser and I'm not trying to harp on Kaiser,
but they're just getting the basic Medicare medical care that's
out there. We don't want somebody who's so ultra wealthy
that they have private doctors coming to their house. So
we're just looking for the average Joe six Pack policy,
five hundred thousand million dollar policy on eighty year old
guy that if it's the end of the time for

(20:19):
him to go, it's time for him to go. And
we have found that those policies have been very, very successful.
We've had very good success in buying those for our investors.

Speaker 1 (20:29):
Yeah.

Speaker 2 (20:30):
Yeah, and in terms of investors. How much? What's the
minimum and maximum?

Speaker 4 (20:37):
Great? Great question. So, if you're in California, you only
have to have a net worth of two hundred and
fifty thousand dollars and the maximum you can put into
this is ten percent of your net worth unless you're
over a million dollars. Now we enter the space of
what we call accredited investors outside of California. Because of regulation,
you have to be an accredited investor. So for people

(20:59):
at home listening to this, you have to either have
a certain level of income, which we would sit down
and research for them, or a very easier way is
if you have a net worth of a million dollars.
That means all of your pensions, all of your iras,
if you're married, it's a combined net worth. So it's
you know, it's a millionaires today, isn't what a millionaire

(21:20):
was thirty million years ago? I mean I can walk
down the street and find a ton of them. Is So,
if you have to be an accredited investor outside of
the state of California, and we will go through that
process to verify with them. The minimum investment is ten
thousand dollars for cash, meaning if you just want to
write a check, you get a minimum of ten thousand dollars.
We try to keep this very small for people so

(21:42):
they can get accustomed. If they're doing an IRA, it's
twenty five thousand. You might ask, what's the difference because
we do all the setup fees. We pay for the
setup fees on the IRA, and that takes you know,
ten thousand just isn't going to get it done for them,
so we want to make sure that we cover those costs. Right.
I would say the average investor probably comes in for

(22:02):
about fifty thousand dollars on their first round. That's pretty
typical cash. They might do twenty five to fifty, but
if it's an IRA, the most cookie cutter thing they
do is about fifty thousand dollars.

Speaker 2 (22:12):
Okay, So say somebody comes with ten thousand, sure, and
then they want to invest more.

Speaker 4 (22:22):
Yes, do is very very typical because the thing is
is that we usually have a new portfolio about every
three months, so repeat investment is very typical. So I
would say to you right now, if somebody is listening
to this and came in and said, hey, I want
to do hundreds of thousands of dollars, because I just
love it. I would say, okay, Now, the greedy guy

(22:43):
on my side would be like, let's take it because
we make money. Now, I think that's irresponsible. Most of
my clients will come in and buy and what we
call tranches. Right, So if somebody says, hey, I want
to invest two hundred thousand dollars, what I would prefer
to do is invest that two hundred thousand dollars over
an entire year. Than having five policies, they'd wind up
having twenty policies, more diversification, less chance yet, right, It

(23:06):
just the more diversified you are, the better, even in
this instance. So my dream for somebody who has two
hundred thousand dollars is over a year, we'd go shopping
for them and by the end of the year they'd
have twenty policies rather than just dumping it into five. Right.
So that's yeah, very it's very common for people to reinvest.
And then when we have maturities, our maturity reinvestment rate

(23:29):
is over ninety percent, meaning that people they may not
put all of it. But like you know, on this one,
I'm telling you where we've got a three million dollar
payout coming up very soon. I would believe that a
decent amount of that money, especially IRA money, because they're
not going to take it out to get taxed. The
IRA money almost for sure will be reinvested in, especially
with the aprs that we're showing on this round of

(23:51):
fifteen to eighteen percent. I mean, how can you argue
not in reinvesting with cash. It's a little bit different
because some people, you know, life happens, I get all
the time, Oh my dad getting married. They might take
a piece of it to go ahead and do that,
and then they want to deal with their taxes, but
they will reinvest the piece, right.

Speaker 2 (24:07):
Okay, so let's talk about the IRA and how it
bakcrooks in.

Speaker 4 (24:12):
Yes, do you set that up? Or yes?

Speaker 2 (24:16):
Oh so you set up the iras?

Speaker 4 (24:18):
Yeah, I'll walk it through. Because people get a little confused.
They think that their only options are the fidelities, Vanguard swabs. Well,
that is true if you are going to be in
dealing in the stock market. Right. So if you had
let's say a Fidelity IRA and you met with our
company and you go, I love it, and you go
to Fidelity and go I want to invest with life asset, right,

(24:40):
they'll go, we what are you talking about. So you
can't and you can't invest in alternative investments inside most
IRA companies that are the fidelities because they are focused
and based on stock market. So let's say that we
have I like using John Smith. John Smith is John
Smith now is an investor of this time folks. Okay,
So John Smith's got a million dollars, right, he meets

(25:02):
with us and goes, I love it. He's got a
million dollars over in a Schwab account. What we do
is we have to set up what's known as a
self directed IRA, meaning that it's a company that only
deals with alternate investments. Meaning from that space, with that account,
you can invest in real estate, precious metals, all the
things I talked about. So when you hear a lot
of people saying, oh, I invest in my IRA in

(25:24):
real estate, that's all they've done is they've opened an
account with a company that focuses on alternatives. They're just
a custodian. Okay. So we open up over there. We
use a company called IRA Club. They're very good at
what they do. So what we do is we open
up an account over there, and then all we do
is fill out the paperwork and let's say John Smith
says he wants to do fifty thousand. It's what's known

(25:45):
as a direct transfer. That money is wired from schwab
over to IRA Club. There are no taxes taken out
because it is an IRA to IRA account transfer. There's
no taxes, there's no tax paperwork. It just moves on over.
The money is taxed efferred, and now he has his
fifty thousand dollars at IRA Club and then from there

(26:05):
he can invest with us. So his IRA will own it,
it will be overseen by his custodian called IRA Club,
and the investment will be with US Life Asset LLC. Now,
when it gets paid over there, what happens is again
the money just goes into this money market account in
his account. He's not taxed, and then we'll come back

(26:29):
to him like our clients now and go, hey, do
you want to reinvest? Because what's the option there? It's
just going to sit in a money market not making
much interest. And I find it hard to believe that
he's going to go, hey, Ben, thanks for the ride.
I know we made really good returns with you here,
but I think I'm going to take that fifty thousand
and go back to fidelity. That doesn't make any sense.
So usually the thing is they're immediately saying, what else

(26:49):
do you have for us? Okay, yeah, and real quick,
if you're a roth ira person and we can help
do roths and we if you put money in a
wrath and I can show them how they can trans
for money from an ira and put it in a
wroth too, the money they make on that is one
hundred percent percent tax free. So if people are looking
at roths and rothideas, definitely come to us. The other

(27:11):
thing is if you're an annuities and you're stuck in
one you don't like, come to us because we can
show you how to get untangled there to invest with
us as well. So we we try to work with
people in the areas. We know where the pressure points
are and we're trying to help people come aboard and
work with us.

Speaker 2 (27:26):
Yeah wow, this is amazing. So again, how do how
do people connect with you? Yeah?

Speaker 4 (27:33):
Real simple. If you go to life Asset llc dot
com once again, Life Asset llc dot com, you will
find all of our information, the webinars, the there's an ebook,
plus the brochure, current offerings, and then of course there
is a calendar link up to talk to me, and
they will be talking to me. I'm not they don't

(27:55):
get some boiler room whatever. We are a small company
of people, so I am available. I am the face
of what we do. But at the same time, I
want to get to know every person who's looking to
invest because we want to be accountable to those people.
So they will talk.

Speaker 2 (28:11):
To me, absolutely, and I loved that great.

Speaker 4 (28:15):
I appreciate it.

Speaker 2 (28:16):
Talk to the owner. Is any chance I get agreed?

Speaker 4 (28:22):
Right, It's like you see these things on Instagram and
then you see somebody talking on those stuff and the
next thing you know, you're talking to somebody in the
Philippines or India or you know, and it's just like,
come on, like you're you're the one promoting it. Why
can't I talk to you. Yeah, they will talk to me. Yes,
one hundred percent.

Speaker 2 (28:39):
That's awesome, awesome, Wow, this is amazing man. Oh thank you.

Speaker 4 (28:46):
No, no, I mean everybody I talked to him. It
may not be for everybody, you know, I do dinner
seminars and I will have people come up to me
and go, well, you know, it's not for me, but
this is probably one of the most interesting dinner seminars
I've ever been to. Because it's just a concept that
people when you think about it, I to write, right,
it makes sense. It's like one of those things like,
well it makes sense, but you just never thought that

(29:08):
that was possible, and it is. That's the two things
I get from people all the time. Is Number one,
sounds too good to be true? Hey, bring it on.
I love it. I love the pessimist. Right. I got
a lot of engineer clients that love to look at
the data. Sit get let's have a conversation. You say
it's too good to be true. I'm going to give
you a ton of data, a lot of proof. We

(29:29):
have copies of checks, we have testimonials from clients. We've
been doing this a long time. Just because you don't
know about it doesn't mean it's not true. And that's
really the number one thing. And at that point, if
they decide not to invest them, it just wasn't for them.
But it wasn't because we didn't give them the data.
Because we have the data and the transparency. We'll let
them know what bank we use. We let them know.

(29:49):
You know, they can kick the tires. I get it.
It's your money. Right, don't just go after I always
say to people it's the old you know, trust but verify.
If I say anything here or if any in documentation,
I better be able to prove it, or you should
hang up the phone on me and go find somebody else.

Speaker 2 (30:07):
I love that because transparency is every.

Speaker 4 (30:10):
Time and very rare these days. Right yeah, yeah, yeah,
right right.

Speaker 2 (30:17):
Sure, wow, Ben, this has been a very very interesting conversation.
Thank you, and we're definitely going to have to do
this again.

Speaker 4 (30:24):
Because anytime, anytime, and.

Speaker 2 (30:27):
Yeah, you got me thinking over here.

Speaker 4 (30:30):
I would love I would love to come back. It
doesn't just have to be on this, I mean, I've
we can talk about just a myriad of different things
that are out there outside the market. You know people,
there's a lot of people out there who have annuities,
I know, nudies very well. We could break that down
the goods and bads. There's just a lot of products
out there that people don't understand. And what happens is
all they ever do is just get the hype. Right,
it's always here's what's great about it. I just tell people,

(30:52):
why don't we go to the part where it's like
this is where you can get part of my French
screwed over in this deal and every every product the
world IDA has something that's that you that somebody up
there is not gonna like. Right, But why not just
get to that because then you might go, oh, I
don't really have an objection. That part doesn't bother me. Okay,
well let's move on. But at least now you're educated, right, Yes.

Speaker 2 (31:16):
And I think people should know the pros and the cons.
Absolutely the type of decision on anything, right.

Speaker 4 (31:22):
But the problem in our world is everybody's in this
hype mode of just telling you everything that's great about it,
but you go, okay, but what okay? And then they
don't ever, they just walk around your question. Are I
come from a different angle. I just go, look, here's
what it is, here's what's great about it. Now let's
get to the part because the sooner you learn that,
the sooner we're going to understand. Is this for you?

(31:42):
Everything's not for everyone? Right?

Speaker 2 (31:45):
True? Yeah? Wow, we definitely gonna have to talk some more.
I like talking to you.

Speaker 4 (31:51):
I enjoyed talking to you too. It's fun.

Speaker 2 (31:54):
Yes, indeed, so thank you so much, Ben, and thank
you audience. You've got definitely a lot of information here today,
so you may have to rewind and listen some more,
rewind and listen to some more. So thank you so much.
I appreciate you and have a wonderful day.

Speaker 1 (32:16):
Thank you to our guests and you our values audience.

Speaker 2 (32:21):
Let's stop you by. We truly appreciate you.

Speaker 1 (32:26):
Many blessings to you and yours.