BetterWealth with Caleb Guilliams

BetterWealth Media
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BetterWealth helps 6–7 figure entrepreneurs build, protect, and grow their wealth through strategic whole life insurance designs and alternative wealth strategies. Your host, Caleb Guilliams, features powerful, deep dive masterclasses, real client case studies, and interviews with top financial experts, business leaders, and entrepreneurs, all designed to help you make more intentional financial decisions and master the wealth game.

  1. 6H AGO

    Inside The Nelson Nash Institute: What's The Future of Infinite Banking? - David Stearns

    I sit down with the president of the Nelson Nash Institute to walk through the core principles of the infinite banking concept as Nelson Nash intended as well as covering the future of IBC. I also directly address some of my concerns and issues with completely removing banks from one's financial plan. Watch the Interview on Youtube for Visuals - https://youtu.be/M72BN415fOE Want to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Learn More About BetterWealth: https://betterwealth.com Chapters: 00:00 - Interview Trailer and Defining Infinite Banking 01:16 - Guest Introduction - David Stearns 01:48 - How Would You Define the Infinite Banking Concept? 04:45 - Volume vs. Rate 06:56 - Relationship to R. Nelson Nash 18:56 - History of the Infinite Banking Concept 27:23 - The Nelson Nash Institute 37:54 - Core Things You Need To Stay in the Institute 42:52 - The Five Simple Rules of Infinite Banking *Think long range *Don’t be afraid to capitalize *Don’t steal the peas *Don’t do business with banks *Rethink your thinking 1:01:24 - Addressing Controversies and Misconceptions 1:20:24 - The Role of Banks and Control DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

    1h 27m

  2. 4D AGO

    I Asked a Velocity Banking Expert to Prove It Works

    I sit down with Velocity Banking Expert, Anthony Rushing, to discuss using 1st lien HELOCs to pay off debt. Anthony answers the questions of when this concept does and doesn't make sense, and responds to the most common objections against the strategy. Watch the Interview on Youtube for Visuals -https://youtu.be/JIdrn74opF4 Want to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Learn More About BetterWealth: https://betterwealth.com Chapters: 00:00 - Interview Teaser 01:30 - Disclaimer 02:20 - Mechanics of First-Lien HELOCs *First-Lien Position *Interest Calculation *Rate Types *Bank Retention Barrier to Entry 13:53 - First-Lien vs. Second-Lien HELOCs 16:12 - Velocity Banking Concepts *Line of Credits *HELOC as a Checking Account *Positive Cash Flow 31:13 - Behavioral Advantages and Motivational Theory *Liquidity and Control *Motivational Theory *Automation 44:40 - Misconceptions and Complexities *Simple Interest *Math vs. Reality 01:27:36 - Risks and Contractual Structure *Draw Period (Open-ended) *Repayment Period (Closed-ended) 01:49:52 - Who is the First-Lien HELOC For? *The Debt-Motivated *Investor-Minded DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

    1h 58m

  3. MAY 12

    They're Lying To You About Velocity Banking (This Math Proves It)

    I sit down with Zach Oehlman, a former velocity banking and 1st lien HELOC advocate turned whistleblower—who’s now calling out major figures like Michael Lush and the Kwak Brothers. After years as a top affiliate with Renatus, Zach breaks down the flawed math behind velocity banking, explains why the strategy doesn’t outperform simply paying down your mortgage, and shares details of his lawsuit against Renatus. If you’ve heard claims of paying off your home in a few years using HELOC “chunking,” this is a direct, numbers-driven breakdown—and an open challenge to anyone defending the strategy. Watch the Interview on Youtube for Visuals - https://youtu.be/OJcLugBokeE Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Learn More About BetterWealth: https://betterwealth.com Chapters: 00:00 - Interview Teaser 01:36 - Guest Introduction, Velocity Banking, Lines of Credit 04:24 - The Legal Battle with Renatus *12-Year History with Renatus *Why is he suing the company? 11:40 - Attempts at Dialogue and Professional Audits 18:51 - What is Renatus and What Do They Sell? 24:57 - Understanding the Velocity Banking Pitch 27:31 - Debunking "Amortized Interest" Myths 29:22 - The Host's Own Correction on Amortization 33:59 - Flaw in Comparative Analysis 34:34 - Liquidity, HELOCs, and Second Leans 45:51 - Step-by-Step Math: Mortgage Acceleration Logic 47:23 - How to Pay Less in Interest? 48:02 - How to Pay Off $100k in 3 Years 48:45 - Correct Analysis 57:17 - Mortgage Calculator 01:02:17 - Goal of the Lawsuit 01:10:12 - Final Thoughts DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

    1h 18m

  4. MAY 9

    Ed Slott: Why Life Insurance is a MUST Have In Retirement Planning

    I sit down with Ed Slott, America's top CPA and retirement expert to discuss the asset that has the number one benefit in the tax code for tax free money. Watch the Interview on Youtube for Visuals - https://youtu.be/e8oE0VIRCis Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Want a Whole Life Insurance Policy? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarity Learn More About BetterWealth: https://betterwealth.com DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

    30 min

  5. MAY 6

    The Dangerous Rise of Private Equity & Fraud In The Life Insurance Industry | Tom Gober

    I sit down with Tom Gober, a Certified Financial Examiner and Certified Fraud Examiner with 41 years of experience, to discuss the growing problem of private equity, fraud, and reinsurance in the life insurance industry. Tom Gober spent 12 years working with the FBI, uncovering major insurance schemes. Now he's blowing the whistle on the riskiest company, Athene Annuity and Life Company, who's controlled by the massive private equity group, Apollo. Watch the Interview on Youtube for Visuals - https://youtu.be/ftKy6WeTDkI Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Connect with Tom Gober: https://www.linkedin.com/in/tom-gober-1a827235/ Learn More About BetterWealth: https://betterwealth.com Chapters: 00:00 - Interview Teaser 01:38 - Guest Introduction: Tom Gober 02:31 - Biggest Concerns About The Insurance Industry 03:08 - Capital Surplus 04:16 - Risks of Offshore and Captive Reinsurance 07:42 - Traditional vs. Modern Reinsurance 16:22 - Mutual vs. Stock and Private Equity Insurance Companies 23:44 - Consequences of Insolvency 26:48 - Tom Gober’s Backstory: Going Undercover *State Examiner *12-Year Collaboration *Reinsurance Schemes 41:15 - Difference Between Banking Regulation and Insurance Regulation 42:33 - Special Purpose Vehicle (SPV) 47:55 - Why Captives Could Be A Valuable to Insurance Companies 57:03 - The Private Equity "Amplifier" 01:07:43 - Concerns Over Ratings and Loan Covenants 01:13:40 - Deep Dive: Analysis of a Major Carrier 01:24:09 - Excessive Affiliated Investments 01:31:56 - Advice for Consumers and Advisors 01:39:29 - Final Thoughts DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

    1h 43m

  6. MAY 1

    How to Use Life Insurance & Real Estate To Retire in 10 Years (or less)

    I sit down with Real Estate & Infinite Banking expert, Ryan Lee, to break down his step-by-step guide to retire in 10 years or less using life insurance and turn-key real estate to generate $10K a month of tax free income for life. Watch the Interview on Youtube for Visuals - https://youtu.be/Bp36IxXrtG4 Want to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Connect with Ryan Lee: Buy Ryan's Book - https://retirein10years.com/ Instagram: https://www.instagram.com/theryandlee/ YouTube: https://www.youtube.com/@WealthOutsideWallStreet Learn More About BetterWealth: https://betterwealth.com Chapters: 00:00 - Interview Teaser 01:28 - Guest Introduction - Ryan Lee 03:05 - Setting the 10-Year Constraint 08:00 - Identifying Financial Risks 13:41 - The Equity Mill Strategy 18:42 - Life Insurance as a Wealth Vault 19:35 - Power of Real Estate and Inflation 33:00 - Phantom Income and the Wealthy's Playbook 38:00 - Managing a 10-Year Retirement Plan 48:16 - Dependency Economy vs. Ownership Economy 55:53 - Real Estate Due Diligence 01:00:23 - Lending and Leverage Mechanics 01:09:47 - Diversification and Hedges 01:17:57 - Final Words on Perspective and Vision DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

    1h 20m

  7. APR 28

    In 57 Minutes, I'll Change The Way You Think About Life Insurance Forever

    Give me 57 Minutes, and I'll Change The Way You Think About Whole Life Insurance. Life insurance is more than a death benefit, it's a Foundational Asset that helps you keep, protect, and grow your wealth at the same time. In this masterclass, Caleb Guilliams walks through everything you need to know about utilizing max funded whole life insurance to better your wealth and financial legacy for generations. Watch the Interview on Youtube for Visuals - https://youtu.be/JAfyY9tK6OY Want a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want More Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Learn More About BetterWealth: https://betterwealth.com Chapters: 00:00 - Introduction to the "And Asset" Strategy 01:34 - The Concept of Wealth Efficiency 06:07 - Why More "Jobs" Make Your Dollars More Valuable? 10:16 - The "Perfect Asset" and Specially Designed Whole Life Insurance 12:19 - Validation and Institutional Use of Life Insurance 16:17 - The Benefits of Overfunded Life Insurance 18:22 - Life Insurance 101: Contracts and Design 21:04 - Typical vs. Overfunded Policy Design 26:22 - Pros and Cons of the Strategy 29:52 - Case Study 1: The Entrepreneurial Investor 31:17 - Understanding the Mathematical "Equivalent Return" 35:35 - How to Utilize and Borrow Against Your Policy? 42:47 - Case Study 2: The Retirement Optimizer 50:08 - Case Study 3: The Legacy Maximizer 51:09 - Addressing Criticisms and Common Questions 55:37 - Closing and Next Steps DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

    58 min

  8. APR 24

    How to Build a Generational Wealth System Like The Rockefellers

    Sitting down with Garrett Gunderson, a legacy and generational wealth expert, to give a step-by-step guide in how to create, set up, and build generational wealth for your family, just like the Rockefellers. In this video, Garrett gives the three steps to the Rockefeller Method, as well as some bonus steps that often get missed. This is a deep dive into how to structure Living Trusts, life insurance, and more for your family's dynasty plan. Watch the Interview on Youtube for Visuals - https://youtu.be/W-TBD3HIVoA Want a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want More Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Learn More About BetterWealth: https://betterwealth.com Chapters: 00:00 - Introduction to the Rockefeller Method 01:24 - Current Financial Challenges 02:18 - Family Financing and Trusts 03:30 - Overcoming Scarcity Mindsets 05:44 - Leveraging Cash Value and Lines of Credit 07:46 - Success of the Rockefeller Book 11:09 - MDRT - Million Dollar Round Table Award 13:25 - Family Constitution 18:04 - Step One: Establishing a Trust *Revocable Living Trusts *Privacy and Protection *The Role of Trustees *Establishing a "Family Bank" 20:32 - Step 2: Strategic Life Insurance *Economic Value Replacement. *Whole Life Insurance Benefits *Replenishing the Trust 28:20 - Step 3: The Family Constitution *Defining Values and Mottos *Funding Guidelines *The Trust Protector 31:56 - Expanding the Method: Retreats and Offices *Family Retreats *Family Offices 37:10 - Organizing Meaningful Family Retreats *Purpose of the Retreat *Three Essential Components 41:15 - Rituals 41:36 - Traditions 42:58 - Symbols 46:10 - Family Meetings 54:17 - Content Trends and Social Media Strategy 58:31 - Helping Others Gain Perspective 01:04:47 - Conclusion and Final Thoughts DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

    1h 8m
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4.9
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247 Ratings

About

BetterWealth helps 6–7 figure entrepreneurs build, protect, and grow their wealth through strategic whole life insurance designs and alternative wealth strategies. Your host, Caleb Guilliams, features powerful, deep dive masterclasses, real client case studies, and interviews with top financial experts, business leaders, and entrepreneurs, all designed to help you make more intentional financial decisions and master the wealth game.

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