2025 0314 – BetterWealth – Tom Hegna’s Bulletproof Plan for Retirement Security – [VIDEO-YouTube-47:35]

  • 0 – Caleb – Tom Hegna and Ed Slott – 
  • 3 – LTC
  • 4 – Lawsuits – Creditor Protection (Arizona – 100%) – Life Insurance and Annuities
  • 4 – 2011 – Book – Paychecks and Playchecks – Retirement Solutions for Life
    • Math and Science behind a successful retirement
    • White Papers, put them into english
  • 6 – Drag Queens in Tunisia
  • 15 – Personal Pension, double digit guaranteed returns, 
  • Alternative Investments, Real Estate, Businesses, Cash Flow, bitcoin – 30k to 1.6 Million, 
  • [Bonk: Human Life Value]
  • 22 – bring value, make money
  • 23 – Estate Planning
    • Tom – Not my lane
    • Life Insurance is the poor mans trust
  • 25 – Reverse Mortgages
    • Wade Pfau
    • Play devils advocate
    • Reverse Mortgage Line of Credit, put option on your house, another pair of eyes not involved in the transaction. media – Bad rap
  • Davey Ramsey, Ken Fisher – David McKnight – Guru Gap
  • 29 – Life Insurance/ Annuities = Bond Alternative
  • Robert Ibbotson – Paper, Wall Street Journal, Barclays, BlackRock, Ernst and Young
  • Less than 2% of term are paid out
  • 31 – Who shouldn’t get Life Insurance? Daughter story
  • Does Warren Buffet need Life Insurance? Maybe, Maybe not
  • 32 – Regulation –
    • Companies don’t train like they used to
    • 33 – Underfunding a Universal Life Insurance
    • Selling things they don’t understand
  • 34 – New York Life Annuity Wholesaler
  • Agents don’t know that they are misrepresenting the products, Fiduciaries – Fake Fiduciaries – 2 types – Investment vs Income – Bad Actors – [Bad Apples]
  • 35 – Tom:  I train people to do things the right way.
  • 35 – Caleb:  If you could only pick one product.  Life Insurance or Annuities 
  • -> Tom: Life Insurance – Leverage, Tax-Free Income, Basically turn your Life Insurance into an annuity.
  • 37 – Banks own a lot of Life Insurance – Very safe place to keep wealth
  • 38 – AI
  • 39 – AI – David McKnight  
  • 41 – David McKnight and Tom Wall Debate with Caleb, BetterWealth
  • UL – Funding –
    • National Variable Life Manager for MetLife [Years-?]
  • 42 – A.L. Williams
  • Google – Ken Fischer – Scandals
  • 43 – Fiduciary Rule – DOL – Debate –