BetterWealth with Caleb Guilliams

BetterWealth Media
  • 4.9 (247)
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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. 2D AGO

    The Life Insurance Strategy Only The 1% Can Use

    In this Interview with wealth expert Kuldeep Madan, we break down how whole life insurance premium financing works for ultra-wealthy family's and when it’s actually a viable strategy. We then compare using whole life insurance and IUL's for premium financing and which one wins in the end. Watch the Interview on Youtube for Visuals - https://youtu.be/ljkaP_J7ZAk Want a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Connect with Kuldeep's Team: https://madanplus.com/team/kuldeep-madan/ Learn More About BetterWealth: https://betterwealth.com Chapters: 00:00 - Introduction to Whole Life Premium Finance 01:08 - When Whole Life Premium Financing Works 02:30 - Risks and Failures in Indexed Universal Life (IUL) 04:17 - Solving Liquidity Problems for Ultra-Wealthy Families 06:44 - Estate Planning and Opportunity Cost 08:30 - Using External Leverage 09:03 - Client Profiles and Estate Freezing 10:13 - Educating Family Offices 12:00 - Whole Life vs. IUL and GUL 15:31 - Challenges of Financing GUL 16:03 - Closing Remarks and Event Announcement 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.

    17 min

  2. 4D AGO

    How To Use Defined Benefit Plans To Write-Off Life Insurance Premiums

    I sit down with top planning expert, Rohit Punyani, to break down how Defined Benefit (DB) plans can be used as a powerful tax strategy for business owners and how they can potentially write off 6 to 7+ figure life insurance premiums. In this masterclass, we cover how DB plans (under 401a) work, who they’re best for, and why they allow for significantly larger deductions than traditional 401(k)s. We also dive into the advanced strategy of integrating life insurance and annuities inside the plan, how “tax arbitrage” is created through funding and distribution, and how policies can be repositioned for long-term, tax-advantaged growth and liquidity, along with policy design secrets you won't learn anywhere else. Watch the Interview on Youtube for Visuals - https://youtu.be/Pf7pziBV_l4 Want The Free Cash Balance Plan Guide? Click Here: https://bit.ly/4tn5vdP 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 Cash Balance Plans 01:51 - Background of the Speaker 07:31 - Comparing 401k and 401A Plans 10:00 - Eligible Assets for 401A Plans 11:04 - Contribution Requirements and Constraints 13:00 - The Exit Strategy and Tax Arbitrage 23:00 - Statutory Limits and Plan Design 33:01 - Death Benefits and Spousal Provisions 37:11 - Required Rates of Return 54:49 - Life Insurance as a Bond Proxy 01:03:04 - Estate Planning Strategies 01:06:12 - Qualifying for a 401A Plan 01:09:16 - Employee Participation and Retainment 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

  3. APR 10

    Inside OneAmerica’s Underrated Life Insurance Strategy | With President Dennis Martin

    I sit down with a President at OneAmerica, Dennis Martin, to get an inside look at the 145-year-old insurance company and how they approach life insurance and longterm planning. With over 35 years in the industry, Dennis shares what shaped him from a math nerd to leading one of the largest and most successful finances and insurance companies and their underrated strategy with life insurance design. We dive into why they don't reveal their dividends to the public, the truth about whole life insurance, plus, a critical conversation on long-term care planning and why asset-based strategies are becoming the go-to solution for high-income families. Watch the Video on Youtube for Visuals - https://youtu.be/WY_CWZ2-MWQ Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit 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 and Professional Background 01:02 - Personal Connection to Life Insurance 06:02 - Advantage of Mutuality 09:33 - OneAmerica’s Relationship Strategy 14:25 - Dividend Rates and Performance Philosophy 17:50 - Indexed Dividend Option 22:48 - Whole Life Product Flexibility 23:51 - Understanding Long-Term Care (LTC) 26:50 - Asset-Based (Hybrid) Long-Term Care 35:32 - Riders vs. Traditional Long-Term Care 38:36 - Closing Thoughts and Future Outlook 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.

    45 min

  4. APR 8

    The IUL Debate No One Is Willing to Have

    Caleb and Revin ( @LIFE180 ) cover the new IUL strategy making rounds on the internet called, Kaizen. The conversation gets tense as Revin calls out Caleb for interviewing Matt Sapaula and shares his perspective on network marketing, and industry debates. Watch the Video on Youtube for Visuals - https://youtu.be/eo0s5qv8pRU Want a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit 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 - Intro 02:55 - The IUL Challenge and Misrepresentation 05:23 - Education on IUL Dangers and Agent Perspectives 07:12 - Legal Issues and Lack of Good Faith in Illustrations 08:58 - Kaizen vs. MPI 13:00 - Risk vs. Return: IUL vs. Whole Life 15:30 - IUL Use Cases and Aligned vs. Misaligned Products 18:30 - Discussion on Network Marketing and PHP Controversy 27:58 - Competency and Compensation in Insurance Organizations 37:54 - Pacific Life Settlement 43:44 - Pace Morby and NPI Endorsements 50:31 - Upcoming Events and Professional Development 55:46 - Debating IUL and Closing Reflections 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 2m

  5. APR 2

    Did I Lose My First Infinite Banking Debate?

    I'm joined by Logan Hertz from @HazeltineLLC to review my first debate with Jim Dew on whole life insurance and Infinite banking. Where did Jim and I go wrong in our arguments and will there be a follow up date? Watch the Video on Youtube for Visuals - https://youtu.be/Z6xheBkvkO8 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 Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Learn More About BetterWealth: https://betterwealth.com Chapters: 00:00 - Introduction and Setting the Stage 03:02 - The Importance of Defining Terms 08:21 - Distinguishing Products from Practices 12:09 - Critiquing Jim's Advisory Practices 20:46 - Debating Investment vs. Insurance 26:00 - Assessing the Debate's Impact 31:11 - Looking Ahead to a Potential Part Two 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.

    35 min

  6. MAR 27

    How to Avoid The Tax Reckoning Coming In 2035

    With the US over $39 Trillion in debt, David McKnight (@DavidMcKnight) is predicting a tax day of reckoning coming in 10 years which could result in 50% income taxes and possible changes to traditional retirement plans like Roth's and IRA's. David McKnight lays out exactly how to avoid this impending tax hike with practical strategies, he uses currently to help people pay 0% in taxes. Watch the Video on Youtube for Visuals - https://youtu.be/6g5a6OQ5uZ8 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 and the "Day of Reckoning" 01:04 - 2026 Tax Landscape and Roth IRA Questions 02:28 - The Impact of Permanently Extended Tax Cuts 04:52 - A 10-Year Window for Low Taxes 08:09 - Debunking Criticisms and the National Debt 12:52 - Tax Master Class: The Future of Roth IRAs 16:42 - How the Government May Raise Revenue 18:13 - Strategies for Younger Investors and Retirees 21:13 - Determining Your Roth Conversion Strategy 23:57 - The "Sweet Spot" for Tax Brackets 27:31 - The Role of the Standard Deduction 30:19 - Why Advisors May Disincentivize Roth Conversions 34:31 - The "Print Your Way Out" Argument 37:30 - Life Insurance as a Volatility Buffer 38:32 - Rethinking the 4% Rule 46:42 - Addressing Misconceptions About Life Insurance 48:44 - The Benefits of Reverse Mortgages and Annuities 53:51 - A Question for Dave Ramsey 58:57 - The Luxury of Nuance in Financial Advice 01:01:05 - Final Warnings and the "Temporary Permanent" Tax Cut 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 3m

  7. MAR 24

    Dangerously Simple Advice To Create Generational Wealth

    What do the ultra-wealthy actually do to minimize taxes, build wealth, and protect their legacy? In this interview, I sit down with Toby Mathis ( @TobyMathis ) from Anderson Business Advisors to break down the real (and simple) strategies high-income earners and investors are using. We talk through why HSAs might be one of the most overlooked tax tools, how the “buy, borrow, die” strategy actually works, and the truth behind paying "zero in taxes". We also get into why diversification matters more than chasing trends, how to automate your investing for long-term growth, and how to start thinking about legacy planning, no matter where you’re at financially. Watch the Video on Youtube for Visuals - https://youtu.be/9RXthy7wNgI Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Learn More About BetterWealth: https://betterwealth.com Connect with Toby: TAP Registration: https://aba.link/6dda02 Free Emergency Binder (Digital): https://aba.link/8f3036 Emergency Binder (Physical copy): https://aba.link/e0ad9a Chapters: 01:21 - Introduction 02:14 - Toby Mathis’s Backstory 05:48 - Principles of Wealth: Make, Keep, and Grow 09:14 - Financial System: The 70/30 Rule 11:48 - "401k Millionaires" Through Discipline 14:24 - Why entrepreneurs often struggle as investors due to risk-taking tendencies? 16:59 - Impact of Legacy Planning 19:26 - Legacy Through Trusts 26:34 - Understanding Tax Planning 31:46 - Tax Strategies VS Those That Are Mostly "HYPE" 37:21 - S-Corps and C-Corps 39:32 - Wealth-Building Assets 46:13 - Toby’s 30/30/30/10 Rule for Portfolio Diversification 48:41 - "Buy, Borrow, Die" Strategy 53:52 - Asset Protection and Maintaining Financial Privacy 58:52 - Living Trust VS Standard Will 01:01:11 - Emergency Binder 01:03:00 - Why being overly public about your finances can lead to increased legal target risks? 01:06:20 - 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 7m

  8. MAR 20

    Is Security Mutual Secretly the Best Company for Infinite Banking? (Full Company Review)

    Is IBC with Security Mutual secretly the best choice? In this videos, Caleb Guilliams and Alden Armstrong review Security Mutual Life Insurance Company for Infinite Banking, breaking down the companies ratings, dividend performance, best policy designs, pros and cons, and more! Watch the Video on Youtube for Visuals - https://youtu.be/K9byidued4w Want a 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 the IBC Company Guide Book? Click Here: https://bttr.ly/ibc-guide Want More Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Learn More About BetterWealth: https://betterwealth.com Timestamps: 00:00 - Introduction to the Security Mutual Video 01:08 - Security Mutual Company Strengths and History 01:46 - Key Metrics: Dividends, Lapse Ratio, and Ratings 02:51 - Non-Direct Recognition and Interesting Fact 04:50 - Loan Ratio Comparison 05:34 - Security Mutual's Company and Ratings 07:31 - Security Mutual's Strong IBC Positioning 08:49 - Comparison of Cash Flow and Frontload Designs 09:29 - Cash Flow Design Overview 10:10 - Cash Flow Design: 40-Year-Old Male Illustration 12:24 - Front-Loaded Design Overview 14:35 - Cash Value Access and Loan Provisions 16:48 - Policy Repayment Limits and IBC Niche 17:17 - Paid-Up Additions (PUA) Flexibility and Riders 20:10 - Discussion on Optimal PUA Strategy for IBC 21:46 - Advantages of Security Mutual 24:04 - Ratings and Liquidity Risk 27:04 - Compensation, Support, and Complexity 28:29 - Key Takeaways and Conclusion 30:34 - Free Gift: The IBC Company Guidebook 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.

    31 min
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4.9
out of 5
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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