Not Your Average Financial Podcast™

Think different about your money, your economy and your future. Be curious. Be stable. Be sane.

Episode 365: Retirement Savings Sabotage! Why 90 Percent of IULs Fail… and What To Do

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In this episode, we ask:

  • Are we in a retirement crisis in this country?
  • How was that agent trained?
  • What is the problem with indexed universal life insurance (IUL)?
  • Have you read the book Becoming Your Own Banker by Nelson Nash?
  • Would you like to hear Episode 312?
  • Have you read Pamela Yellen’s book The Bank on Yourself Revolution?
  • What did the estate planning attorney say?
  • What was on the Comparing Life Insurance Solutions document (see readable image of document below)?
  • Have you been tricked?
  • What’s in the fine print?
  • What about withdrawals?
  • Can you put money back into an IUL after a withdrawal?
  • What is the main purpose of a life insurance company?
  • What about the investment portfolio?
  • What do insurers make on their overall portfolio?
  • What types of investments are in the insurer’s portfolio?
  • Who believes 7%?
  • What is mathematically impossible?
  • What rate of return is legally shown on the statements?
  • Is there such a thing as an average rate of return?
  • What will the insurers do with an IUL contract?
  • Do you remember the Fast and the Furious, etc.?
  • What happens if you take a loan from an IUL and the market crashes?
  • What is the feature?
  • What about the insurance expenses?
  • Why is that IUL cash value shrinking?
  • Why does the cost of insurance go up every single year in an IUL?
  • What about tax-free loans with an IUL?
  • What happened to the IUL writing agent?
  • How much are you taking out each year to supplement your retirement?
  • How many years are you getting 0 on your index?
  • Do you have income to pay down the IUL policy loans?
  • What adds to the pressure?
  • What happens to 88% of IUL policies?
  • How many IUL policies pay a death claim?
  • What if your IUL policy lapses with gains inside of the contract?
  • How long do you have to pay the taxes?
  • What is the over loan protection rider for those age 75+?
  • What about properly set up permanent dividend paying whole life insurance, from a mutual insurance company that offers non-direct recognition loans?
  • What is true?
  • What happens if you totally ignore the policy loan?
  • When does a policy risk lapsing?
  • What about flexibility?
  • How about a thought exercise, a tale of two contracts?
  • What happens when you’re in your in your eighties and can’t pay the higher premiums?
  • What are the guarantees in IUL?
  • What are the guarantees in whole life?
  • What is annual renewable term insurance (ART)?
  • What about costs?
  • What are the differences?
  • What are the limits of an IUL?
  • What is a reduce paid up policy (RPU)?
  • Can one RPU an IUL?
  • What about the strength of dividends?
  • What should this document say about whole life insurance?
  • What is the cost basis?
  • What about the rules for policy loans?
  • Why the ommissions on the IUL side?
  • What is a stalwart of several centuries of financial stability?
  • What is the big experiment of modern times?
  • What almost never pays a death benefit?
  • What about the gains being taxable?
  • What about the tax implications for beneficiaries of IUL policies?
  • What is the 1035 exchange?
  • Can one 1035 exchange from an IUL into a whole life policy?
  • Who’s in your corner to help you navigate and interpret all of this jargon?
  • Would you like to meet with Mark or one of Mark’s colleagues?

Episode 350: The Art of Leveraging Insurance for Real Estate Success with Jay Helms

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In this episode, we ask:

  • Can you imagine?
  • Would you like to hear another story from Jay Helms?
  • Would you like to hear Episode 243?
  • How did Jay break free from the rat race?
  • How did Jay leverage his Bank on Yourself® type whole life insurance policy’s cash value for real estate?
  • What was the annualized return?
  • What were the results?
  • What was the deal?
  • What was the loan amount?
  • What was the interest rate?
  • What happened six months later?
  • What’s a “me-loc” ?
  • What are the advantages?
  • What was the policy’s growth?
  • What is positive arbitrage?
  • Where else can you do this?
  • What about the risk?
  • What about first lien position as a safeguard?
  • What about coming out of the W-2 and going into the real estate world?
  • What did he say?
  • What did he not say?
  • What about liquid access to that money?
  • What about Jay’s mastermind group?
  • What about growth friends?
  • Would you like to join or login to the FREE Not Your Average Financial Community to access and participate in office hours?
  • How about a thought exercise?
  • Would you like to download this FREE  two column sheet with growth friends | maintenance relationships along the top?
  • What are 20 of the most recent, important connections from your device (text, zoom, phone)?
  • What is the crab bucket?
  • What happens when you take action?
  • Would you like to meet with Mark?
  • Would you like to meet with Jay?
  • When is the best time to plant a tree?
  • What does Jay say about starting a policy?
  • What are the takeaways?
  • How might you leverage your life insurance?
  • What could be a powerful cash management tool?
  • What about positive arbitrage?
  • What are you waiting for?
  • What about calculated risks?
  • What about the importance of real relationships?
  • How will you think differently about your money, your economy and your future?

Thought Exercise: Growth Friends and Maintenance Relationships (PDF)

Jay Helms, Founder of the W2 Capitalist, escaped the rat race after 6 years of side hustling in real estate investing. Jay has a goal to help one million people create multiple streams of income, achieve financial freedom, or build legacy wealth through real estate investing. Jay met his wife Cassie when they were contestants on a reality TV show and when their family of 5 are not traveling the country in their RV, Jay and Cassie reside in Gulf Breeze, FL, with their three kids, Rowland, Stella, and Ellen Anne. Knowing that closing on the first deal is the biggest hurdle and roadblock for new investors, he wrote a book, Make An Offer: Break Through Analysis Paralysis & Grab the Confidence You Need to Become a Real Estate Investor, to help them get over those mental hurdles. 

Episode 349: The Heirs or The IRS?

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In this episode, we ask:

  • What annual day did Americans just survive?
  • Where do you pay tax?
  • Who pays the most in lifetime taxes?
  • Who pays the least?
  • What about your heirs?
  • Do you want theirs or your heirs to get the money?
  • What is legally required?
  • Would you like to hear Episode 199?
  • What are the steps?
  • What about income tax?
  • What about assets that force an income?
  • What about assets you can borrow against?
  • What about collateral?
  • What about the tax to your heirs?
  • Is this only for the ultra-wealthy?
  • What are some ideas?
  • What happens when the laws change?
  • What about BITA?
  • What about taxing the rich?
  • How does this affect the middle class and less wealthy?
  • What about estate tax?
  • What about interest rates?
  • What about a mindset shift?
  • Are there capital gains on life insurance?
  • What are the problems?
  • What is guaranteed to grow?
  • What is not guaranteed to grow?
  • What happens if you find yourself underwater?
  • What about liquidity?
  • What about compounding?
  • What assets compound?
  • How about an example?
  • What about the power of compounding growth?
  • What are the opportunities?
  • Is everyone going to be able to save enough money?
  • What about saving a modest amount?
  • What are billionaires doing with their stocks and real estate?
  • What are the quick takeaways?
  • What are the strategies?
  • What about the risks with common strategies?
  • What about whole life insurance?
  • What about reducing your tax burden now?
  • What about a Bank on Yourself® type whole life insurance policy?
  • Would you like to visit notyouraverage.mn.co?

Episode 346: When Bank on Yourself® Policy Loans Matter Most

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In this episode, we ask:

  • Why haven’t you subscribed yet?
  • What big purchases are coming up?
  • Can you earn your way out of expenses?
  • What happens in retirement?
  • Can you earn your way out of expenses throughout all of the ages of life?
  • What’s the difference between earning income at age 35 and age 86?
  • What allows for uninterrupted compounding?
  • How is this possible?
  • Who offers non-direct recognition policy loans?
  • How about an example?
  • What is the amount of the cash value?
  • What is the simple interest rate on the policy loan?
  • What happens over four years?
  • What happens to the policy?
  • What is the gain?
  • Did you earn more than you spent?
  • What happens over a longer time horizon?
  • What about dividends?
  • Would you like to hear Episode 345?
  • Would you like us to review your policy?
  • What is unbelievably cool?
  • What products stop growing your money when you spend it?
  • Can you imagine this chart?
  • What happens on the spend down?
  • What continues to earn interest?
  • What if you could continue to maintain the compounding growth on your money?
  • What are the implications?
  • What results shocked Mark?
  • What if they never paid off the loan?
  • How about another apples-to-apples example?
  • What does a policy loan look like in a direct recognition policy?
  • What about the interest?
  • What about receiving a weird letter from the insurer at age 81?
  • Where was the compounding?
  • Where did the growth go?
  • What does a policy loan look like in a non-direct recognition policy?
  • What about the interest?
  • What is the difference?
  • What is the policy growth based upon?
  • What about compounding and accumulation?
  • What about loan interest?
  • How much more?
  • Is the policy designed the right way?
  • Who is getting penalized?
  • How about a timely warning?
  • Does your agent understand the working parts well?
  • Is your policy built correctly?
  • Is your policy breaking compound growth?
  • What about the Gold Standard of the Bank on Yourself® Professional training?
  • What would it look like?
  • What about absolute certainty?
  • Do you have to know everything about how your phone was engineered to enjoy it?
  • How is a Bank on Yourself® type whole life insurance policy like a smart phone?
  • When was the last time you reviewed your current policy?
  • Would you like a second set of eyes?
  • Would you like to learn more by listening through our Episodes in a List?
  • What about time?
  • Are you serious?
  • Would you like a meeting with me or an associate?

Episode 345: Direct vs. Non-Direct Policy Loans, The Debate and The Truth

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In this episode, we ask:

  • What is a policy loan?
  • Why do we love the Bank on Yourself® type whole life insurance policies?
  • Is a non-direct recognition policy loan the best feature in the financial universe?
  • What is a direct recognition policy loan?
  • Is there really no difference between the two?
  • Does it really matter?
  • Why is transparency key?
  • What is the history between non-direct recognition and direct recognition policy loans?
  • How long have life insurance policies loans been around?
  • Over 150 years ago, how did insurers treat these separate loans with distinct interest rates?
  • What about collateral?
  • What about the life insurance general fund?
  • What about using your policy as collateral?
  • What about dividends?
  • How would the policy continue to earn interest?
  • Where is the money for the loan coming from exactly?
  • Why did some insurance companies move over to do direct recognition policy loans?
  • Why did some insurance companies hold firm with non-direct recognition policy loans?
  • What is a mutual life insurance company?
  • What about profits?
  • Who should logically have a higher dividend?
  • Who is penalized?
  • Do companies offering direct recognition policy loans offer slightly higher dividends?
  • Who is going to have a better experience?
  • What good is that cash value if you can’t collateralize it?
  • What about the living benefits of life insurance?
  • What is outrageous?
  • What did Nelson Nash say?
  • Who has real liquidity?
  • What about direct recognition policy loans for a time horizon (for 10 years, etc.)?
  • How about an example?
  • What is a 1035 exchange (a like-kind exchange for life insurance)
  • Would you like to learn more in Episode 252?
  • What happens in a scenario where direct recognition policy loans were taken?
  • What happens in a scenario where non-direct recognition policy loans (as in a Bank on Yourself type whole life insurance policy) were taken?
  • What about the dollar diagram?
  • What about the one dollar?
  • What happens if you put this single dollar into a paid up additions rider (PUAR)?
  • What about opportunity cost?
  • What happens if you spend that dollar instead of saving it?
  • What is the interest?
  • What benefits you?
  • What about dividends?
  • How do the insurers earn money for dividends?
  • How does that benefit policy holders?
  • How much would you have?
  • How many dollars…?
  • Is there such a thing as paying too much premium?
  • How about another example about a policy loan to purchase a car?
  • What did the three cars cost you?
  • How much did you net in the non-direct recognition policy loan’s policy?
  • Knowing all of this, why would you buy a car any other way?
  • Should you just get a bank loan?
  • What totally defeats the purpose of Bank on Yourself®?
  • Are you being penalized?
  • Which scenario keeps me more in control of my own money?
  • Which scenario yields control to the bank?
  • What about Bank on Yourself® policy engineering? 
  • Would you like to meet with Mark?
  • Would you join us next week?

The topics and images presented in this podcast are general information only and not for the purposes of providing legal, accounting or investment advice. On such matters, please consult a professional who knows your specific situation. 

Episode 340: Get the Facts on Bank on Yourself® Policy Loans

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In this episode, we ask:

  • What if you could take real control?
  • How do life insurance policy loans really work?
  • Would you like to hear even more about policy loans in Episode 32?
  • What are some of the misconceptions about policy loans?
  • What about pulling cash from a savings account?
  • Is it scary to request a policy?
  • How does one take a life insurance policy loan exactly?
  • Spoiler alert?
  • How are life insurance policy loans different than bank loans?
  • Who is in control when you take a loan?
  • How do you take your first loan?
  • Is there loan interest?
  • How is it calculated?
  • Is it annually charged?
  • Is it based on policy anniversary year or calendar year?
  • Is interest charged at the end of the year?
  • What is interest charged in arrears?
  • What is the best way to manage policy loans?
  • What about the accrual of interest?
  • When does the interest compound?
  • How about an example?
  • When are your dividends paid?
  • When is the annual premium due (if you are paying annual premiums)?
  • How much interest accrued?
  • What happens if you make no loan repayments?
  • Do you see how using a policy loan allows you to pay a policy loan down faster than another type of loan?
  • Is 5% always, exactly, 5%?
  • What happens if you pay your loan off in a responsible way?
  • What is the real (annual percentage rate) APR?
  • How about another loan example for $10,000?
    • What if you paid a $250/month loan repayment?
    • Would the interest be accruing but not compounding?
    • Would the interest be charged annually in arrears?
    • What if you paid the loan off completely within 4 years?
    • Wouldn’t the total interest be $830.23, with an APR be much less than 5%, closer to 2.08% APR?
  • Is borrowing at 2.08% APR attractive in today’s environment?
  • Is the policy’s cash value still growing, even with the policy loan outstanding (as if you never took a loan)?
  • Isn’t it nice that you’re not snowballing your interest all year long?
  • When do they compound your interest?
  • Don’t you wish that other loans would work this way?
  • Are we even scratching the surface of how cool these policy loans are?
  • What happens if you don’t pay your policy loan at the policy’s anniversary date?
  • When is the interest due?
  • What are the options?
  • What letter does the insurer send regarding the loan?
  • What happens if you ignore the letter?
  • Who is in control?
  • How could you make it so your interest would never compound… ever?
  • How about that advantage?
  • Have you noticed that interest rates are rising?
  • How predictable is life insurance?
  • What will the insurer do with the loan interest rate upon the policy anniversary date?
  • What about simple interest?
  • What about simple interest compounded annually in arrears?
  • What about red tape?
  • Are there prohibited transactions?
  • Are you able to deduct the interest?
  • What about business owned life insurance policies?
  • What are the IRS rules for business owned life insurance policy loan interest deductions?
  • What about an example?
  • Did I pay for that car twice?
  • Would you like to hear Episode 110?
  • Do we often make payments on the other side of a purchase?
  • What happens when we repay the loan?
  • What is it really like to take a policy loan?
  • Can you take a loan online?
  • Do you have to set up a loan repayment?
  • Should you repay your loan over a reasonable amount of time?
  • What would the bank require?
  • Would repaying the policy loans increase the available cash value?
  • Does the cash value grow on a guaranteed basis?
  • What about long term loans?
  • Would you like to hear Episode 87?
  • What about a case studies?
  • What did they do with the inheritance?
  • How did they self finance a construction loan?
  • What about business financing?
  • Would you like to hear Episode 75?
  • Do you understand how policy loans work?
  • What could you do with your policy?
  • Would you like to hear Episode 102?
  • Would you like to hear Episode 110?
  • Would you like to meet with Mark?
  • What about starting small?
  • What does responsible repayment look like?
  • Who needs to hear this?

For our existing clients, please contact our staff with any specific policy loan setup questions. This is what we do! We are happy to help, and we help clients with policy loans all day long. Please call or reach out to us, no question is too small.  

Episode 339: How Bank on Yourself® Solves the Four Greatest Dangers to Your Retirement

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In this episode, we ask:

  • Who do you know who needs to hear this?
  • Would you like a free book?
  • What are the four greatest dangers to your retirement?
  • Did you hear Episode 338?
  • How does the Bank on Yourself® type whole life insurance policy solve these dangers?
  • What does Pamela Yellen do to protect the intellectual property and quality of the Bank on Yourself® brand?
  • Are you getting a correctly and properly designed dividend paying whole life insurance policy?
  • Did you buy an incorrectly designed policy? Would you to book a meeting with us to get a second set of eyes on that policy?
  • Are you working with a Bank on Yourself® Professional?
  • Would you like to hear Episode 160?
  • What about predictable guaranteed growth, liquidity and tax advantages?
  • When do you need money most?
  • Where does the guarantee come from?
  • What about dividends?
  • How long have our companies been paying dividends?
  • What is the minimum amount of saving you will have on the day you plan to retire?
  • Who audits the life insurance companies?
  • How rare is it for insurance companies to go bankrupt?
  • Who backs the insurance companies?
  • Are banks a safe place to keep money?
  • How many banks failed in 2008?
  • What happened to the deposits of those banks?
  • Who bailed them out?
  • Pop quiz?
  • How many life insurance companies failed in 2008?
  • What happened to Lincoln Memorial Life Insurance?
  • What was the result for the policy holders?
  • What is Bank Owned Life Insurance?
  • What did an FDIC report show about bank’s life insurance holdings?
  • How much cash value is on the balance sheet of these banks?
  • What are banks doing with their money?
  • What about fees and cost surprises?
  • What happens in a traditional retirement account with fees of 1%?
  • How much is paid to life insurance agent as commission?
  • Which one costs more?
  • Which one goes on forever?
  • Which one has a stop loss?
  • Who gets guarantees?
  • Why would Bank on Yourself® Professionals take reduced pay?
  • How much of your cash value can you access?
  • What are the RMDs on whole life insurance?
  • Who is in complete control of the money in a life insurance policy?
  • What do you finance?
  • Who pays interest?
  • Who earns interest?
  • What about assets under management (AUM)?
  • What about all of the dollars you pay in expenses throughout your life?
  • What is the required repayment scheduled on life insurance cash value loan balances?
  • Can your money do two things at once?
  • What is compounding and growing?
  • Who offers these unique products?
  • What about self financing?
  • Are you constantly interrupting the growth of your money because you need to buy stuff?
  • Is there a better way?
  • What are some famous examples of successful business owners?
  • What happened following the 1929 stock market crash?
  • Does having money safe, liquid, growing at a competitive rate without market risk, take away any of your options?
  • Doesn’t it give you more options?
  • What are the multiple tax advantages?
  • Do you know what your tax bill will be?
  • What about the tax on social security?
  • Is income taken from your policy taxable?
  • What about medicare premium?
  • What about business owners financing business expenses?
  • What about the death benefit?
  • What do you want your money doing for you?
  • Does your strategy give you guaranteed growth?
  • Does your strategy lock in your principal in growth?
  • Does your strategy give you control over your money?
  • Does your strategy let you use your money without penalty?
  • Does your strategy give you a tax free retirement income?
  • What gives you more freedom?
  • What about Roth accounts?
  • What about life insurance policies?
  • Does your strategy let you access your money without liquidating your cash?
  • What are the restrictions on 401(k) loans?
  • What hardship happens if you lose your job?
  • What is truly unique in the financial universe?
  • Would you like to hear more in Episode 205 and Episode 206?
  • Does your strategy finish funding yourself if you die prematurely?
  • Does your strategy let you know the minimum guaranteed value of your savings?
  • Does your strategy give you a plan where you can count on it?
  • What works to your advantage in every single instance here?
  • What do you want your money doing for you?
  • How about some case studies?
  • What makes sense in your situation?
  • Why work with Mark Willis, CFP®?
  • What is key to making sure your policy is designed properly?
  • Do they have the right credential?
  • Would you like some personalized reports?
  • Would you like to schedule a meeting?

Episode 333: [The Periodic Table of Abundance] No.4 Secrets of Leverage Using Insurance and Banking

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In this episode, we ask:

  • Can information alone change your financial future?
  • Would you like to check out our FREE Not Your Average Financial Community?
  • Have you listened to the previous episodes in this series?
    • Would you like to hear Episode 330: No.1 Scaling Up and Overcoming Adversity?
    • Would you like to hear Episode 331: No.2 Money Team, Family Finance and Estate Planning?
    • Would you like to hear Episode 332: No.3 Liquidity and Cash Flow?
  • What is the essential nature of insurance?
  • What is the cost of insurance?
  • What creates peace of mind?
  • What is the purpose of all of this?
  • What outcomes would you like?
  • What about guarantees?
  • What are the different types of insurance policies?
  • What about health insurance?
  • Who has medical bills?
  • Why have health insurance?
  • What about the alternative?
  • What are the typical costs?
  • What about being uninsured?
  • What is the leading cause of bankruptcy in the U.S.?
  • What is the health insurance marketplace?
  • What about healthcare sharing ministries?
  • Would you like to hear Episode 170?
  • Would you like to hear Episode 224?
  • What about property and casualty insurance?
  • What is the average claim?
  • What could protect you from financial ruin?
  • What about auto insurance?
  • What about umbrella insurance?
  • What is coverage?
  • What is a deductible?
  • What about self insurance?
  • What about life insurance?
  • What happens upon death?
  • How will your family afford the costs when you’re gone?
  • What about cheap term insurance?
  • What about group life plans through employers?
  • What about getting insurance that meets your needs?
  • What does banking have to do with life insurance?
  • Who was Nelson Nash?
  • What will you buy in your life?
  • What about your need for today’s financing?
  • How will you pay for that?
  • What is Bank on Yourself®?
  • What about living benefits?
  • What if you didn’t have to rely on banks?
  • What about retirement?
  • What about the function of banking?
  • What is fractional reserve banking?
  • How about an example?
  • What is the money multiplier effect?
  • Is this magical?
  • What are the downsides?
  • What happened in 2020?
  • What are the reserve requirements now?
  • What happened to the reserve?
  • What about insolvency and fragility?
  • What about the FDIC?
  • What percentage of deposits are backed up by FDIC?
  • Would you like to hear Episode 299 to learn more about the FDIC?
  • What about spending and debt?
  • What causes financial stress?
  • What is the average American debt?
  • Is paying cash the answer?
  • What do we do here?
  • What about the Bank on Yourself® strategy?
  • What about leverage?
  • What about private lending?
  • Would you like to hear Episode 331?
  • So what?
  • Are your life insurance policies properly designed and up to date?
  • What about an inventory of your own debt?
  • Would you like to explore the Bank on Yourself® strategy deeper?

Episode 332: [The Periodic Table of Abundance] No.3 Liquidity and Cash Flow

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In this episode, we ask:

  • Who is on your money team?
  • Who should care about your money?
  • What strategies, skills and systems do you need to be successful?
  • Are you on the right track?
  • What is liquidity?
  • How fast can you turn that asset into cash?
  • What is the most liquid asset of all?
  • What about less liquid assets?
  • What are the costs?
  • What is the medium of all transactions?
  • What about an example?
  • Are rare baseball cards liquid?
  • What makes every transaction easier?
  • What about land?
  • What about leasing?
  • What about cash flow vs. a lump sum?
  • What about the cost?
  • How stable is the market?
  • What about comps?
  • What about dealing in transparent markets?
  • What about ease?
  • Is your portfolio locked up?
  • What is assets / liabilities?
  • What is the current ratio?
  • What counts as an asset?
  • Can it be converted to cash within a month or two?
  • How liquid are you?
  • Who is sitting on more cash?
  • Who gets to take advantage of opportunities?
  • What assets are considered liquid?
  • What about the liquidity of cash value whole life insurance?
  • Who understands liquidity?
  • Would you like to hear Episode 248?
  • Are you able to take advantage of opportunities when they come your way?
  • What about cash flow?
  • What about coffee?
  • What is the amount of net cash transferring into and out of your life?
  • Is the money coming in greater than they money going out of your life?
  • What about the tax filter?
  • What about consumption?
  • What are the levers to pull to change cash flow?
  • How about increasing the income or reducing expenses?
  • What are some ideas for increasing cash flow?
  • Would you like to hear Episode 81?
  • Would you like to hear Episode 176?
  • Would you like to hear Episode 213?
  • What are some ideas to reduce expenses?
  • What can solve the problems of cash flow well?
  • Would you like to meet?

The topics presented in this podcast are general information only and not for the purposes of providing legal, accounting or investment advice. On such matters, please consult a professional who knows your specific situation.

 

Episode 319: The Genius of Business Franchising with Marty Greenbaum

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In this episode, we ask:

  • Who works as a W-2?
  • Who wants control over their own business?
  • What are the benefits of franchising?
  • Who is Marty Greenbaum?
  • How about a case study?
  • What about junk?
  • Who needs experience first?
  • How about regional territories?
  • What’s good about franchising?
  • Who works with Marty?
  • Where did Marty’s passion come from?
  • How many franchises are there in the U.S.?
  • Is this applicable to your business?
  • Who is in the business of royalty collection?
  • What about a vested interest?
  • What are the advantages to a franchise business model?
  • Who are the right kinds of people for franchising?
  • What about an example?
  • What are the attributes of the top performers?
  • Who is a good candidate?
  • Who gets awarded a good franchise?
  • What are the mistakes or pitfalls to avoid in franchise purchasing?
  • What about the legal standpoint?
  • What about the due diligence?
  • How is the territory determined?
  • What about speaking with existing owners?
  • What about mitigating risks?
  • What about franchise financing?
  • What about range?
  • How long does it take to get cash flow positive?
  • Are banks the final resting place for many businesses?
  • How does Marty get paid?
  • Would you like to visit smartfranchiseinvesting.com?
  • What about industries?
  • What about brands?
  • What about thorough due diligence?
  • What are the right questions?
  • How are you going to buy this thing?
  • What about Bank on Yourself® type whole life insurance?

Marty Greenbaum is a top franchise consultant with over 30 years of experience in franchising. He served his family’s franchise opening hundreds of locations and then grew an extremely successful marketing agency in franchising helping brands achieve their goals. He’s a Certified Franchise Executive and Founder of Smart Franchise Investing and is dedicated to helping people make smart decisions when it comes to franchise ownership. He’s helped hundreds of people explore franchise ownership, serving them as a franchise consultant, educator, and matchmaker. Email Marty at marty@smartfranchiseinvesting.com