Opportunities.
One of the most important things that can separate the rich from the poor.
The haves and the have nots,
the financially free, and the ones who are consistently struggling.
The gateway to basically everything you want in your life.
According to Webster's Dictionary,
an opportunity is defined as a set of circumstances
that makes it possible to do or achieve something.
One of the fastest ways to achieve wealth and financial freedom in your life
is to create the circumstances, then lock the doors to unlimited opportunities.
You are in the driver's seat.
Welcome to the MPI strategy.
Unlocking the door to unlimited opportunities.
I want to share with you my experience
on how I was able to achieve financial freedom in less than ten years.
I will share with you the exact steps I took and believe that anyone, regardless
of their current financial situation, can unlock unlimited financial opportunities
and achieve the financial freedom they want in the timeframe they want it.
It will take commitment, discipline and some time.
And I am confident, as I've experienced it myself,
that you will look back and know your commitment and discipline
was one of the most important decisions in your life.
This presentation will be interactive,
so I want to invite you to grab a piece of paper and pen and take notes.
Write down any questions you may have and as I go
over specific financial concepts and frequently asked questions,
I will provide key words the text to our number 20500
for additional informational videos,
or to schedule a complimentary 101 review of your financial goals.
Before we start, let me introduce myself.
My name is Curtis Ray. Married with five children from the beautiful state of Arizona
with a deep passion to help others achieve financial freedom.
I have a personal mission to educate the public about the phenomenon
of secure compound interest, how to maximize
every opportunity available to you, and achieve and secure maximum,
passive income for the financial freedom you want and deserve
while on this journey to become one of the world's experts on compound
interest, I designed and created the MPI strategy,
the blueprint to maximize the features and benefits of life insurance,
real estate assets, and unlimited business and investing opportunities.
I am also the CEO of MPI Financial Services, two time best selling author and social
media verified on multiple platforms with over 1.6 million total followers.
I would also like to introduce my partner, Kris Krohn.
Married with four children from the beautiful state of Utah.
Multi book bestselling author, a nationally known real estate investor
with over 6500 homes in his company portfolio valued at over $2 billion
Combined, we offer over 40 years of financial experience
directly to the public, 100% free of charge.
So no one has an excuse or roadblock on their path to wealth at MPI
Financial Services,
we believe every American should have access to every opportunity
available through strategies that can provide benefits, including
Permanent life insurance for immediate and lifelong family protection.
Low expenses guaranteed secured against market risk on your savings.
High growth potential through a simplified multi strategy combined approach.
Accessibility to tax free cash flow at any age.
To participate in additional investment opportunities and most importantly,
maximize your passive income potential to achieve the financial freedom
you want at the age that you want it penalty free.
Over the last decade, Kris and I have been able to help
thousands of Americans
create their custom path to achieving their personal financial freedom.
And it's an honor to be part of your journey today.
To begin, what is financial freedom?
These two words are said so often.
But what does it actually mean to you?
To me, financial freedom was the moment.
In 2022 when I had enough passive income from my compound interest counts,
real estate assets and other investments to achieve the great and elusive blessing.
Freedom of time to live the life I want.
Work when I want to
spend time with my family and friends, whether it be running with my boys,
winning volleyball tournaments with my daughter,
cheering on my top drunk gymnast, wrestling and jujitsu with my little
devil, improving my relationship with my spouse and give back to the world
as often as I can.
Everyone has a different desired lifestyle, ranging from a modest $50,000
a year to others who would like over $1 million a year.
Your financial freedom number is unique and, once determined,
will drive your plan of action to achieve it.
Unfortunately, many Americans may never achieve their financial income goal,
with a core reason being
they might be saving in an outdated, underperforming strategy.
As Kris and I have worked with thousands of Americans, we've observed firsthand
what most people's financial goals are
and then help them with a customized solution.
In my experience, many traditional plans such as the 401k often struggle
to help achieve the most common six goals, which are Low fees
are looking for the lowest fees possible, so you know your hard
earned money isn't wasted on building someone else's wealth.
financial security
you would like to feel secure against the impact of market downturns
that can potentially wipe out years of growth and impede your financial goals.
Early retirement.
Many aim to retire early and access money for retirement penalty free.
Years before the IRS permitted age of 59 and half years old,
with many qualified plans.
Tax free retirement.
Given our government is over $30 trillion in debt,
you would like to remove the uncertainty of future tax rates
and secure a source of tax free retirement income.
Passive income,
You'd like enough secure
passive income to live the lifestyle you want at the age you want.
And lastly, generational wealth making sure our loved ones are protected now.
And the knowledge
and legacy of wealth can be passed down from generation to generation.
How many of these resonated with you?
Which are most important?
Ask yourself, does your current financial strategy help you accomplish your goals?
Does your
401k and Roth IRA give you low fees security early retirement
potential tax free income, sufficient passive income for the lifestyle
you want and generational wealth when you pass.
Unfortunately many 401Ks and Roth IRA
strategies fail to provide solutions to these common financial goals.
The facts show that many financial plans are often lack
the features and benefits many Americans thought were part of their strategy.
And as shown, I'm not the only one saying this.
Even more shocking to me is when speaking with thousands of Americans,
few even know what their retirement income is projected to be.
Many focus on how much money they will have,
rather than how much money they can spend securely in their retirement years.
Which is more important to you having a large savings in your account,
or having a lot of money that you're able to spend from that account?
Unfortunately, those two financial concepts are not synonymous
and rarely explained by the financial community.
To be very clear what I'm trying to explain, let's visit
the Retirement Income calculator on the website of Vanguard,
one of the largest investment
companies in the world, managing around $7 trillion of assets.
As an example, let's say you're 30 years old and you're
a financial influencer or advisor convinces you to open up a Roth IRA.
You were told that you could become a millionaire by age 62.
Only saving $500 a month
sounds pretty amazing and a great path to financial freedom, right?
Well, let's check the math.
Assuming an inflation adjusted return of 12% after saving for 32 years,
being disciplined and following conventional financial advice,
you're rich.
You're projected to have right at $1 million in your account.
You made it your millionaire According to what you've been told,
you should now be 100% financially free to enjoy your golden years.
However, depending on your retirement goals, that might not be the case.
According to Vanguard, that $1 million invested in low cost index funds
is only projected to produce according to Vanguard themselves,
a secure monthly income of $3,383, or around $40,000 a year.
Does that sound like financial freedom or golden years to you?
Has anyone ever explained that to you? Even a millionaire
using a Roth IRA
or 401k can still end up downsizing and struggling in retirement?
My guess is no.
unfortunately, because of this lack of financial education
provided by the financial advising community, many Americans
might have a much lower retirement income than they were expecting.
This is my mission
and passion to teach you this today so you can avoid this inevitable fate.
Just think how you will feel at 62 after doing so many things right,
saving over $1 million only to realize your retirement can be
as low as $3,400 per month in income, plus a little Social security.
Is that the financial freedom you expected after doing everything right?
And for this reason, I felt inspired to write my first bestselling book in 2018.
Everyone Ends Up Poor:
Why retirement planning is all backwards and how to fix it.
Breaking down the bait
and switch design flaws of many traditional investment strategies.
Why and how the 401K killed many pensions.
Why you might be paying your own match and your 401k.
How excessive management fees can diminish your future.
And worst of all of them, in my opinion, how the word downsizing
has become the gold standard in the world of retirement.
Everyone ends up poor.
If you'd like a no strings attached free copy in both e-book and audiobook formats,
text the word book to the number 20500 for immediate access.
You may now be feeling a little anxious about your retirement
and asking yourself if the four one Ken Roth IRA might not be my best option.
What is?
I want to explain how I've accumulated millions of dollars of wealth and assets
through the MPI strategy.
The path to unlimited opportunities
by not limiting myself to one specific strategy, but by combining
the benefits of multiple strategies, including life insurance, real estate
assets, business expansion, and maximizing strategic partnerships
with maximum spendable income as a primary focus.
with a little discipline and effort and given time to allow my efforts to mature.
I've seen the phenomenal effects of compounding in my own life.
Achieving true financial freedom in less than ten years of focused discipline.
In this video I'm going to show you how to custom design
a specific type of life insurance policy I call Max funded.
Remember that phrase?
I will use it often,
which means a policy with the absolute most amount of your savings
being allotted to the growth of the policy at the lowest expense as possible,
coupled with various other strategies and a simplified path that can help you
accomplish all six goals above, including low fees, guaranteed protection features,
cash flow and income accessibility, tax and penalty free.
And then leave it to your loved ones.
Income tax free from generation to generation.
Albert Einstein is credited for calling the phenomenon of compound interest
the eighth wonder of the world, the most powerful force in the universe.
Why is that?
Because it mathematically proves that regardless of who you are
or your current financial position, if you are willing to start today, exert
a little consistent effort and then give it time to mature,
the growth and results can begin to stack on itself, creating
what we call the compounding curve.
Money making money at an accelerated pace over time.
The more effort and time you give it, the faster it works.
Creating a path of financial freedom for everyone.
Do you want your money working for you?
The great thing about financial freedom is that I found it to be a pretty defined
path.
I call the five Steps to Unlimited Opportunities or the MPI strategy.
These five steps are save, protect,
grow, leverage and time in this order.
By saving money, the door of opportunity can open up to you.
Once this door is open, the next step is protecting your money.
Then we focus on growing your money.
Then leverage your money.
And the last step is time.
Train the phenomenon of compounding unlimited wealth potential.
I have followed these five steps for the last ten years
to produce complete financial freedom for me and my family.
What are you willing to do to be 100% financially free
within the next 10 to 20 years?
To do what you want, when you want, with whom you want?
Ask yourself this question right now.
What does financial freedom mean to you?
I would recommend you write it down right now and read it regularly.
Are you willing to commit today to achieving your goals?
If you answered yes, let me break down the five steps on how you can maximize
every opportunity available to achieve the financial freedom you're looking for.
The first step of financial freedom.
The door you must open and only you can open
it is the first rule of wealth.
Pay yourself first.
Save, save and save some more.
With this commitment
to your future self, unlimited financial opportunities can be available.
Without this commitment, it may be nearly impossible to achieve financial freedom.
You have to be willing to save a percent of your income suggested
at no less than 10% to build your cash reserves without money
available, saved up, accessible, penalty free,
you may be limited to participate in all the available opportunities
that are all around you.
Your level of committed savings
will determine how many opportunities you have access to.
I personally say 50% of all my income.
And because of my commitment, unlimited doors of opportunity are everywhere.
Are you committed to pay yourself first, at minimum, 10%
of your income to open up the door of wealth?
If you are committed to begin paying yourself first, the second step
to financial freedom is what we call the foundation of financial security.
Max Funded life insurance, what we call our armored truck
opportunity, built to help protect you financially.
Life insurance has been around for over 250 years, helping protect families.
Financial security in both the near and long term
Life insurance provides many features and benefits
that may not exist in other traditional assets.
I believe life insurance
will be one of the most important assets you will ever own.
By creating your financial foundation using life insurance,
you're helping build the path for yourself and your family to achieve
financial freedom.
And to be clear, life insurance is the foundation,
not the complete house upon which you can build many other strategies.
You might have just heard the words life insurance and felt confused.
Many have even heard from other financial professionals
to never mix investing with life insurance.
And because many Americans are beginning to understand the benefits of max
funded life insurance policies as a more secure foundation
from risky market investments often recommended by financial advisors.
There's a lot of harmful misinformation out on the internet right now
about how it works.
Unfortunately, much of it is not true.
Worse, some is deliberately misleading, making it by definition a blatant lie.
are some of the misinformation we've encountered on the internet,
which we will debunk today through math and facts.
First, according to MarketWatch, dot com and others,
insurance fees and commissions are really high.
What is the math?
Say a max funded life insurance policy can have up to 25 times
less expenses long term than other popular investment strategies
managed by the same financial advisor, telling you to beware of high fees
For a complete video side by side comparison text the word fees
the number 20500 and I'll send you a separate video.
Matt never lies.
Unfortunately, people do sometimes.
However, there's also some truth to the High Fees Commission claim
when a policy is designed, underfunded rather than max funded.
I know some life insurance multi level marketing or network marketing agencies
that do not design max funded policies which can increase their commission
significantly and diminish the policy's growth potential.
You might be able to understand why there's
a lot of information about bad policies with high fees.
MPI insurance professionals are required to design life insurance policies
that Max funded every time, ensuring the lowest these possible.
Second, the rising cost of insurance will eat up all your compound growth
when design
Max funded.
The cost of insurance can be a small fraction
of your policy's growth potential.
While it can provide lifelong death benefit protection
and generational wealth potential to your family.
Third, insurance companies keep all your money when you die.
While this may be the case
with certain circumstances, depending on the life insurance purchased,
a life insurance policy designed by MPI offers both the cash value,
your money in the policy and the life insurance value called face amount,
as the death benefit that can pay out income tax free to your beneficiaries.
For a detailed video breaking down the death benefit of an IUL
text, the word benefit to the number 20500.
Fourth, the MPI strategy is only for the rich.
Although this might have been true in the past,
MPI has created strategies available directly to the public,
allowing everyday Americans to participate.
And lastly, the MPI strategy sounds too good to be true.
Weren't similar things said about the internet,
Tesla, iPhone and other great innovations?
The simple question is, is it too good or not?
Why not learn, ask questions, verify answers,
and make the decision you feel is
best for you from the knowledge you've gained, trust in the competitors
of new innovations might not be your best source of verification.
Have you ever heard someone say one of these five critiques
regarding the MPI strategy or life insurance?
Did they ever cite facts or give examples or just repeat what they've heard
someone else say?
My goal is to ensure by the end of this presentation,
you can independently verify the math and information provided
and make your own judgment confidently of the MPI strategy.
As we continue to look at the foundation of Max funded life
insurance, there are many benefits people want and need.
Some of these include permanent life insurance, A policy that as long as it
remains in good standing, will never expire, helping provide protection
against unexpected death
and lifelong family abundance through generational wealth transfer.
How many times have we seen a GoFundMe page on Facebook
for a father or mother who passed away and didn't have life insurance protection?
Not even a term policy that could cost as little as $1 a day.
We believe everyone should have some form of life insurance.
Life insurance contracts can also provide living benefits as a standard feature.
Living benefits can provide early access to the life
insurance policy amount even before one passes away.
In the unfortunate circumstance of a severe health concern
that qualifies as a terminal or chronic illness.
How many times have we seen someone have a catastrophic health concern
and be forced to drain all their assets, or leave them to bankruptcy?
Life insurance can help be a shield of protection against that.
In addition, a life insurance policy in many cases can also protect your money
with tax advantages, legal protections, and a great place to save money
with no exposure to stock market losses.
The life insurance policy
where I personally save and build my cash reserves is called a max funded
indexed universal life insurance policy, also known as an IUL,
although many are saying IUL’s are great and many say they're bad.
The truth is, both answers could be right, as it all depends on how it is designed.
With the primary function to help protect families
from an unexpected death, a max funded, indexed universal life
insurance policy can also, in essence, help ensure your savings.
Why do we buy insurance on our home, car, health,
business, and basically everything we deem valuable?
When it makes sense to have insurance on our savings? With an index
universal life insurance policy, your savings can have a contractual
guarantee to have no risk of losing money inside the market
while participating in stock market like index strategies,
this feature is called the 0% floor, meaning no matter what the market
does, your lowest guaranteed credit interest is 0%.
Even if the market loss up to 50% in 2008.
This is why Kris and I refer to the IUL as the “armored truck”, as it can be built
to help financially protect your life, your health, and your wealth.
The third step of financial
freedom is what we call the secure compound interest opportunity.
Getting your money working for you.
Money making money for you on your behalf with your financial foundation.
Built using a max funded, indexed universal life insurance policy,
not only can your family have some financial protection from unexpected
death, severe health event collapse the stock market,
you can also receive interest, credit or compound interest on your savings.
Within your Iowa, you can earn up to around 10% per year,
according to the S&P 500 index strategy or other similar indices.
According to your policy terms.
Secure compounding opportunities to multiply your savings
For an in-depth explanation of how the IUL can earn compound interest,
text me the word credits to the number 20500 and I'll send you a detailed video.
earlier, I had stated that compound interest
is the eighth wonder of the world, the most powerful force in the universe.
How powerful is compound interest?
I believe it's the most important financial concept you'll ever learn.
But with one exception.
Although there are many strategies claiming to produce compound interest,
not all are built equally.
Where you compound money can be the difference between
wealth and financial freedom, or downsizing and struggling.
Let me give you a quick example.
Let's assume you're 35 years old and saving $1,000 per month
Saving that money in a traditional bank account,
earning you a point 1% interest in 30 years at age 65,
you would have saved 360,000 total, 30 years times $12,000 a year.
And with the point 1% compound interest growth,
your account value would be estimated at 365,000.
Almost nothing in interest.
And you could actually be more poor because inflation historically
could have devalued your money at a much faster pace.
What if you earned 5% from a high yield savings account or whole life insurance?
Your estimated account value would be $797,000
at the end of the same time frame, a little better.
What if an index fund could earn you 8% over 30 years?
Estimate at $1,359,000.
10%? $1,973,000.
but what if you could incorporate a multi strategy approach
that could earn you up to 15% or more? Estimated at $5,216,000.
As you can see, every increase in compound interest
rate over time can create an exponential difference.
This is why paying attention to details can be the difference
between having just enough or massive abundance.
As we continue in this presentation today, I'll introduce a simplified combined
strategy approach that can
increase your compounding potential to help you achieve the goals you have.
The fourth step of financial freedom is how we take our compound interest
rate from historic single digits, using single strategy approaches
to high double digit potential through the MPI Multi Strategy approach
to achieve the financial freedom we want in the timeframe that we want it.
How do we accomplish this?
Using the gateway to unlimited opportunities,
the index loan. A feature of an IUL policy
that allows a policyholder to take a loan against the policy's cash value
while the cash value can continue to earn credits.
This is the core pillar of the MPI strategy to accelerate your opportunities
through financial leverage, using outside resources or what we call OPM.
Other people's money.
Incrementally increasing your compound interest potential
while exponentially increasing your wealth potential
Without financial leverage, your savings only has so much potential.
Traditionally single digit compounding, which is good, but also why many end up
confused in retirement, why their income might be lower than they expected.
It's a great accomplishment to do steps one through three save,
protect, and grow within single digit compounding,
but can also take as long as 40 to 50 years to produce financial freedom.
That's one of the reasons why many people using 401Ks and Roth IRAs
may start in their 20s, work
till their 60s, and can still end up frustrated in downsizing.
I do not know a single wealthy person who hasn't used financial leverage
from a bank investor, or other financial institution to achieve their goals.
You may have thought the financial leverage
is only available for people who are rich with excellent credit.
However, I'll show you how financial leverage can be available to anyone
without credit checks, bank underwriting, financial statements, or existing wealth.
Bringing unlimited opportunities to everyone is our mission
at MPI Financial Services.
This is where an indexed universal life insurance policy really shines.
In my opinion.
The unlimited uses of the indexed loan feature,
According to your policy's cash value, the amount
of available savings you have access to because you paid yourself first,
you can take a loan against it, not from your IUL policy.
In essence, this feature can provide you access tax and penalty free
to the insurance companies money at a low interest rate of around 5% right now.
What if you had access to investment capital 5%
or business expansion capital at 5%?
What could you do with it to accelerate your wealth potential?
The answer is unlimited opportunities.
The index loan from an IUL a policy can be secured at any time without credit checks
for any reason to help you accelerate your compound interest growth potential
and cut years or even decades off of your financial goals.
Here's how I use the IUL index loan to accelerate my path to financial freedom.
First, the match strategy.
The opportunity to use the index loan as additional funds
applied to your policy to increase your compounding potential.
In the world of insurance, many policies are designed with security
as the primary financial focus.
This is the cornerstone of the indexed universal life insurance policy.
Through the 0% floor guarantee.
Because of this and the annual growth potential, up to 10% or more banks
have partnered with insurance carriers to offer an exclusive advanced strategy
to the wealthy, called premium financing, using bank financing at a low interest
rate to finance the premiums of an annual policy in behalf of the client.
Someone else's money working for them.
This financial leverage operating could provide a layer of security
with the 0% floor feature of the IUL, while increasing the compound interest
potential long term of the policy through reducing the bank's money
by earning up to 10% annually, and the loan from the bank at a cost of around 5%.
This additional interest growth
potential could accelerate the policy over time significantly.
Unfortunately, this strategy is exclusively available
for the ultra wealthy, often requiring $5 million net worth
credit check, financial underwriting, upfront collateral,
and many other requirements to even participate.
The rich get richer
because they literally have more opportunities available to them.
Then in 2014, I asked the question could I use the index
loan in lieu of the bank loan accessible to every policyholder
to apply as additional contributions alongside my own, in my own IUL?
Similar concept of premium financing.
Without the bank and all the red tape, I want to explore
the mathematical impact of applying the index loan to my policy
at a cost of 5%, to earn up to 10% on the S&P 500 strategy.
pretty simple question, but seem to be a question no one had ever asked before.
Sometimes some great innovations and solutions come from someone
asking a simple question.
Upon asking this question, I was hit with many financial
professionals stating, you can't do that. Why?
Financial leverage is only for the rich.
Why? Insurance shouldn't be used for this reason. Why?
The math will never work! But yet it has for the rich, using
premium financing and many other claims that seem to be built in fear
of change and innovation rather than actual legitimate concerns.
Over the next four years, working with insurance carriers,
actuaries, lawyers, compliance, financial advisors, CFPs and insurance
professionals and many others, the match strategy
the concept of using the index loan as additional premiums alongside yours
into the policy was ready to bring to the public
Every American
who could qualify for a life insurance policy with an indexed loan feature
and committed to saving, could potentially take advantage
of additional contributions to an IUL policy, accelerating the policy's
benefits significantly, with no net worth or income requirements.
bringing financial leverage opportunities to everyone who is willing
to pay themselves first and can qualify for life insurance.
World changing innovation.
So how does the match strategy work?
It's simple by using the index loan rather than borrowing from bank at a low
interest rate and adding the amount of the loan as additional contributions.
With current contributions to your IUL, both can earn interest credit
in the same growth strategy
with the 0% floor guarantee and up to around 10% per year historically.
Working together, your policy growth can accelerate significantly.
This strategy can start as early
as the beginning of the second year of your policy.
If you put in a lump sum, and third year if you're saving monthly,
So how do you qualify?
You qualify according to your cash value.
Cash values is your available savings inside your policy.
The more cash value you have, the more match opportunity
you might have access to.
For those contributing to their IUL on a monthly basis with no lump sum
after two years of savings, discipline, your policy can be eligible
to participate in the match strategy.
Then every two years, a further commitment.
The match can accelerate more discipline and time can equate to bigger
and better opportunities.
To illustrate, if you're 40 years old and save $1,000 a month inside your policy
for the first two years, your policy would receive $12,000
a year directly from you.
Starting year three, you can qualify to increase your policy's
value and contributions to $24,000 a year. $12,000 still coming from you,
your original commitment, not a penny more, plus an additional $12,000
a year working in your policy from the index loan provided
by the insurance carrier. In year five, because you continued to save,
you can qualify for an additional increase in policy value and contribution
by increasing your annual premiums to $36,000.
Still, with only $12,000 coming from you and $24,000 coming from the indexed loan,
this 100% increase every two years can continue many times, creating
tremendous opportunities for increased wealth, short term and generational.
What if you started with a lump sum in your policy?
Even better, with the lump sum
as little as $5,000, the match can begin in the second year.
Depending on your savings
commitment, an MPI insurance professional can customize your contribution schedule
and ensure you're maximizing the available indexed loan opportunity.
The more you save in your IUL the more index loan
you can access that can be used as the match strategy.
The more match you can access, the more compound interest opportunity.
Creating your path to double digit compound interest potential.
Some people ask me what happens to the 5% interest owed when the IUL
makes a 0% guaranteed minimum return, meaning the market is negative?
First,
your full policy value is protected from whatever loss happened in the market.
You are guaranteed a minimum 0% earned interest.
That's awesome.
Because market plummets can be more than 5% drop in years such as 2022,
losing around 19%, 2018 around 6%,
2008 collapse losing around 40% and the dot.com burst
2000 to 2002 three straight years, also losing around 40%.
Any interest out of those 0% four years, your internal cash value
can automatically cover that expense, so no payment is ever required
or if you have extra cash flow, can manually pay the loan interest.
And because your account value is protected when the market rebounds,
your policy can begin earning credits immediately
rather than having to make up for losses in the market.
For a detailed video of what happens to an you want a down market,
text me the word down to the number 20500.
With premium financing providing enhanced opportunities to the rich,
one of the missions of my financial services is to provide every American
with similar opportunities that have been helping the rich become financially free.
Financial freedom and wealth should be available to all those
who are committed their best future.
Regardless of your current financial situation,
pay yourself first and begin to maximize opportunities available to you.
To summarize with your IUL, you will you have the opportunity to use
an index loan as additional contributions to your policy alongside yours,
providing additional growth potential up to 10% annually at a loan cost of 5%.
That's an increase potential of up to an additional 5% annually.
Using the Insurance Companies Index Loan feature, you can qualify
for the match strategy starting as early as the second year in your policy.
Once per year, because the money remains inside the IUL as additional savings.
This financial leverage also has a 0% floor
protection against market risk, tax free growth potential.
It can accelerate
the compounding effects inside your policy to double digit opportunities.
The more you save and build up cash value, the more indexed on availability
you have to access.
That can be used as the match strategy and other uses.
I've been using this strategy for over four years now inside my own policy,
which has produced hundreds of thousands of additional interest.
And I will maximize this financial leverage opportunity once per year,
every year for the rest of my life.
Second, after maximizing the match strategy,
using the index loan as additional contributions to my policy,
I've also been able to maximize selective real estate opportunities.
Real estate investors can put themselves at too much risk
if they aren't patient and selective in choosing secure opportunities
Because they prefer not to have their money idle,
they sometimes don't take the sufficient time to assess quality and risk.
We have all likely heard the reckless leverage stories from 2008,
in which people over leveraged
and when the market took a downturn, they lost everything.
However, because I heavily saved first in the foundation of my IUL,
earning up to 10% annually and then taking advantage
of the match strategy, adding to my growth up to an additional 5%,
I can be earning a solid and secure return without the concern of my money
being idle.
When an investor can be patient with their decision making
because their savings are securely compounding inside their.
While many risks of leverage can be mitigated or minimized
from their investment strategies By being patient with real estate
and having amazing partners like Kris Krohn and others,
I've had many opportunities that provided me with returns ranging
between 10% and 75% annually.
By using the index loan to execute my real estate ventures at around 5%,
while it continues to compound inside my IUL at up to 10%.
I've also been able to produce high double digit returns
to selective real estate opportunities with my real estate partners.
These deals have included single family rentals, multiple family projects,
land fund deals, commercial projects, and various other developments.
to participate in some of the exclusive and selective investment opportunities,
there can be a minimum requirement up to $50,000.
And why it's so important to begin saving today to build your index loan value,
whether it takes one, five or even ten years according to your savings level,
to build enough cash value to begin to participate when you get there.
Having the growth of the IUL, the match, and real estate investments
all working simultaneously can produce some amazing compounding results.
Real estate investors not using life insurance as their foundation
can forfeit many additional benefits and growth potential.
Kris and I offer many books, webinars, and instruction
on how to combine the benefits of life insurance as your foundation,
plus selective real estate investing as you're accelerating growth.
Opportunity to create the path towards financial freedom.
For anyone to join the next webinar hosted by Kris or me.
To learn in more detail on investing opportunist, a real estate
text webinar to the number 20500.
in addition to the benefits of life insurance and real estate investing,
I've used the indexed loan feature for many other business opportunities.
These have include expanding my business, purchasing software, equipment,
and many other uses.
I essentially have become my own bank, borrow against my policies,
cash value with no bank requirements or limitations at around 5%, well below
traditional business banking rates, which could be as high as 16% or more.
While it can continue to make me up to 10% annually inside my IUL.
This opportunities help my business expand, increasing my growth
potential and profits.
Because I was aggressive in saving my profits in the good times,
I not only could weather the bad markets,
but even expand in the economic downturns.
Those who have access to capital in good and bad markets
seem to have access to the most opportunities.
Without this available capital, I would have missed out or delayed
so many opportunities that have been so profitable for me.
And lastly, strategic partnership opportunities.
True unlimited growth potential.
Often the best opportunities to invest in other businesses.
Entrepreneurs are innovation,
require quick due diligence and immediate capitalization
with available capital potential through the index loan
according to your savings commitment, you can partner with some of the most
amazing, expanding, innovative and successful individuals and businesses.
Indeed, by saving money, having it secure and growing
then accessible through the indexed loan, the sky is the limit.
And on top of all these uses, in my opinion, the coolest use of the
indexed loan is accessing it as a tax free supplemental income solution.
As mentioned, the indexed loan doesn't remove your money from the policy,
but is loaned against the cash value in your policy.
This feature allows for your policies cash to continue to earn credits up to 10%
per year.
While you can use the indexed loan as supplemental tax
free income at a cost of 5%.
In essence,
even when you're borrowing money out of your IUL, it can continue
to make full interest credits at an indexed loan rate of around 5%.
The literal definition of always be compounding
With the national income tax rate of between 14% and 25%,
depending on your income levels, the index loan can provide a tax
free solution, meaning more spendable dollars in your pocket.
How would you feel to have all of these opportunities available to you?
How would you capitalize on them if you could?
When used in the ways I've described, the indexed loan is a remarkable
and versatile feature available.
Those who save inside their indexed universal life insurance policy.
This feature does not exist in many other financial strategies,
including your 401K and Roth IRA, forfeiting many benefits available to you
by using Max funded life insurance as your foundation of financial security,
you may be able to open up unlimited doors of opportunity and wealth.
This feature has changed my life and why I don't think about saving money
as how much do I need to save, but how much can I save?
The more I save, the more opportunities I have available to me.
Lastly, and maybe the most important step to financial freedom.
Time and patience.
Allowing the phenomenon of compounding to take its course.
Tom Brady and his Patriots Hall of Fame acceptance speech
said something that really spoke to me, and I believe every person should hear it.
He said to be successful at anything.
The truth is, you don't have to be special.
You just have to be what?
Most people aren't consistent, determined, and willing to work for it.
No shortcuts.
Ask yourself this.
Are you willing to be what
most people aren't? Disciplined and patient.
Do you consider yourself someone who can commit to your future?
As you begin to live the five steps of financial freedom.
You can have the opportunity see your money begin to work for you
at an accelerated pace, creating increased cash flow and profit potential.
And can you guess every time your opportunity makes you money?
What should you do with your profits?
You guessed it right.
Start the five steps again.
Save the profits.
Protect them in the foundation of life insurance.
Grow them.
Leverage them through the indexed loan and give them time to compound.
Then rinse and repeat.
A simplified path to financial freedom.
Following this blueprint, over the last ten years,
I've been able to acquire over $22
million of permanent life insurance coverage to protect my family,
accumulate over $4 million inside my IUL, over $7 million
in real estate equity, a strategic partnership
making me a 75% annual return, built an eight figure business,
and many other investments providing me with the passive income for the lifestyle
I want.
all these opportunities have only been available to me
because I've had access to penalty and tax free capital through the indexed loan,
according to my savings
and commitment to capitalize on every opportunity presents itself to me
Because I pay myself first, opening the door
that only I could open and aggressively say 50% of all my income.
My secure foundation is built.
My money is protected with a 0% floor.
My money has been compounding up to 10% per year.
And inside my IUL policy,
the match strategy has accelerated my growth potential up to an additional 5%.
And then my selective real estate business and strategic opportunities
have taken my wealth to amounts I could have never imagined before.
I follow the five steps of financial freedom being what
most people aren't, consistent and determined.
No shortcuts.
And the most amazing part.
I don't do anything special.
I follow the blueprint. Save.
Protect. Grow.
Leverage and time.
When it comes to understand these five steps of financial freedom,
there is one book that might explain it better than any other.
Reading it opened up my eyes of all the many opportunities I was missing out
on, and a driving force of my desire to build the partnership I have today.
This book, written by my partner Kris Krohn, called Have It All, will help
you understand step by step how to achieve the future you want.
For an absolute free
video book where Kris himself narrates, Have It All, text HIA
H, I, A, to the number 20500 for immediate access.
It will not disappoint.
In summary, the foundation of financial freedom,
a max funded, indexed universal life insurance policy
might be one of the most important financial assets you could ever own.
The MPI strategy, maximizing the indexed loan feature of the IUL
policy, was designed to help every individual
achieve the financial freedom they want in the time frame.
They want it with 12 features. The benefits of an IUL
You all all working in unison to provide you with a great path
to financial freedom.
You can unlock the door to unlimited opportunities in your life.
I would like to take a minute to review each benefit you can access
when you start your foundation of your life insurance policy.
You will own a permanent life insurance policy.
Will help protect your family immediately.
And as long as it remains in good standing,
meaning the cost of the policies paid through the contribution or cash
value of the policy will never expire for lifelong protection
and can also provide a path to generational wealth.
According to your contract, your policy will have living benefits,
providing up to $1 million advance against your life insurance policy
due to specific chronic and or terminal illnesses.
Because your eyes will be designed max funded,
meaning the max amount of your premium is being allotted to the growth component
and the lowest amount is being used for the life insurance component.
You can enjoy the lowest expenses available.
Your IUL indexed loan feature can allow you to access your cash value at any time,
any age, for any reason without penalty, according to the terms of your contract.
If you'd like to retire ahead of the IRS predetermined age
to withdraw from your retirement plans,
you can do so with the help of the Life Insurance Index loan.
Instead of low contribution limits imposed by the 401 can IRAs, your I
you all can have much higher limits to maximize tax free
compounding potential and accessibility to the indexed loan amount.
As an insurance policy,
you can enjoy some great legal protections against leans, losses and creditors.
In many cases,
No matter how far the stock market drops, a 0% minimum return floor protect
your account value, your Iowa account will never be exposed to market losses.
S&P 500 growth.
Your policy will receive credits
according to the appreciation of the S&P 500 index or other similar indices
ranging from the 0% floor and up to around 10% per year.
As part of the annual policy, you can qualify for the match strategy
as early as the second year, accelerating your compound interest potential
when you're ready to retire.
Passive income from your IUL can be 100% tax free at any age.
From the indexed loan feature.
And lastly, by utilizing the indexed loan feature,
you can access unlimited opportunities according to your savings level,
providing a path to early retirement, increase passive
income and the financial freedom you want and deserve.
Do you want to unlock the potential of your savings?
Build your foundation first.
I know I've given you a lot of information
hoping to motivate you to start your path today,
and I want to assure you that you will not be alone in your journey.
Working with MPI Financial Services, you will have professional partners
eager and comfy to help you in every step of the way, including
many of the most stable and secure insurance carriers in the US,
nationally recognized and successful real estate investors, licensed insurance
agents, financial advisors, CFPs, CPAs, estate planning attorneys,
debt free and budgeting coaching including great rollover options
of your IRAs and 401Ks and many other professionals to assist
you and all your financial needs To learn about and connect
with all the financial professionals and financial services has available.
Text the word services to the number 20500.
We're on this journey together.
You might be asking, how do I learn more and get started this time?
Here's what to expect.
First, meet with an insurance professional to custom build your IUL all policy
by texting the word MPI to the number 20500.
If you don't already have a dedicated agent.
Second, complete the IUL insurance policy application.
If you're ready to apply right now,
text the word apply to the number 20500 to get started.
Third, complete the life insurance health exam and other requirements
for approval by the insurance company.
Fourth, set up your designated savings account
at your local bank and saving it as often as possible.
Contributions to your IUL all can come from this account.
Fifth, once your policy is approved, complete and sign the approval documents.
Six make your first contribution and continue saving regularly.
Seven as your index loan availability increases.
Access it when secure opportunities present themselves through the match.
Real estate opportunities and other selective investments.
By working with the MPI investment team.
Eight return profits and principles back into your IUL as often as possible.
And nine rinse and repeat until you achieve
the financial freedom level you choose.
The MPI strategy unlocking the door to unlimited opportunities.
Are you ready to pay yourself first, build your foundation
and let the phenomenon of compounding accelerate your path to financial freedom.
I want to invite you to schedule a no cost,
one on one to review and customize a plan according to your unique goals.
To schedule, click the link below this video to begin your path today.
Thank you for your time and I truly hope this presentation
has motivated inspired you to achieve the financial freedom you deserve.
I'm Curtis Ray. Always be compounding.