From Navy Captain to Wealth Strategist: Gary Pinkerton
Summary
TLDRRetired US Navy Captain Gary Pinkerton shares his journey to financial freedom, emphasizing the importance of agency, control, and liquidity. He outlines his hierarchy of wealth strategy, with guaranteed assets like life insurance policies as the foundation. Pinkerton explains how this 'family bank' system allows efficient storage of reserves while still earning investment returns. He and hosts Danny and Flip also discuss enduring economic turbulence, passing knowledge to kids, directly owned assets versus syndications, and more. The conversation covers various wealth topics before shifting to Pinkerton's passion for racing cars.
Takeaways
- 😊 Gary values agency and freedom, which led him to move to Florida in 2020
- 💡 Having liquidity enables taking advantage of opportunities and handling uncertainty
- 💰 Whole life insurance policies allow tax-free growth and liquidity
- 🏘 The hierarchy of wealth prioritizes control and direct ownership first
- 👪 Creating a family bank provides financial security across generations
- 😣 Gary lost over 50% of his assets during the Great Recession due to lack of liquidity
- 🔍 Character is the biggest risk factor when investing with others
- 📉 Market losses taught Gary to always bet on himself and stay positive
- 🚗 Gary loves the freedom and power of driving and racing cars
- 🤝 Gary helps people gain confidence and create family legacies
Q & A
What financial mistakes did Gary make during the Great Recession?
-Gary paid no attention to his personal finances during his submarine command from 2008-2011, which spanned the Great Recession. He lost over 50% of his family's net worth and none of his advisors warned him of the risks.
How did the COVID-19 pandemic reinforce the importance of liquidity for Gary?
-In 2020, one of Gary's clients owned ice cream shops that were forced to close by the government lockdowns. With no liquid savings as a buffer, the leveraged properties went bankrupt, wiping out a 3rd generation family business.
What is Gary's biggest lesson learned from setbacks in wealth building?
-Bet on your own ability to recover and maintain a positive mindset. Also properly vet the character of partners, as that is where most investment risk lies.
What is the hierarchy of wealth concept?
-It prioritizes building wealth in layers (like a pyramid), starting with max control/low risk assets like cash savings, before progressing up to higher risk investments.
How does whole life insurance allow money to grow in two places at once?
-The policy's cash value grows tax-free at 4-5% guaranteed. You can borrow against that cash value to invest elsewhere, paying interest to yourself rather than a bank.
What appeals to Gary about auto racing?
-He loves the freedom, power and control involved with operating high-performance vehicles. The sound and sensation of acceleration satisfies a primal urge.
Why does Gary emphasize owning real estate?
-Owning property with fixed-rate debt allows tenants to effectively pay off the mortgage over decades. This protects against inflation eroding purchasing power.
What resources are available for learning more about Gary's services?
-Visit his website GaryPinkerton.com which contains financial planning tools and ways to schedule calls. Also reach out to him directly at [email protected].
What is the power fund that Danny and Flip plan to launch?
-It is an investment fund offering 6-14% returns depending on lockup period, focused on providing liquidity options, cash flow, growth and diversification.
How can someone get information about the power fund investment opportunity?
-Visit ChatWithFreedom.com and schedule a call on the calendar with Ben or CJ to discuss details and have any questions answered.
Outlines
😀 Gary's journey to financial and location freedom
Paragraph 1 describes Gary's background and journey to achieve financial and location freedom. It mentions how he paid no attention to his finances during the 2008 recession while in military command. After retiring in 2016, he moved his family to Florida in 2020 for more freedom and in response to COVID restrictions in New Jersey.
😞 Gary's finances hammered during the recession while focused elsewhere
Paragraph 2 elaborates on Gary being disconnected from his finances during 2008-2011 when he was commanding a submarine, which coincided with the Great Recession. His investments lost over 50% of their value and he had no financial guidance. This led him to realize the importance of having control over one's financial future.
😀 Gary prioritized time with family over chasing money
Paragraph 3 discusses Gary's focus on spending more time with his young sons despite not making much money, like his farmer father enjoyed working the land while having a positive attitude even in difficult times. Gary stresses the importance of both enjoying one's work and setting aside quality time to pass on life lessons.
😞 Costly investing lesson on the importance of vetting others
Paragraph 4 covers a difficult period for Gary where he lost seven figures from a scam investment deal. He openly shared this failure with his sons as a case study on the critical role of properly vetting potential business partners and advisers before moving forward.
👍 Gary and his wife authentically share their financial journey
Paragraph 5 praises Gary and his wife for transparently sharing details of their financial situation, failures and successes openly with their sons to educate them, unlike parents who shield their kids from finances.
😀 Visualizing personal wealth flow via a hierarchy pyramid
Paragraph 6 discusses Gary's philosophy around mapping out one's finances into a hierarchy pyramid structure with risk and control on opposite ends of the spectrum. This helps guide decision making on placing investments and cash reserves.
😉 Family bank whole life insurance to efficiently grow wealth
Paragraph 7 focuses on using specially structured whole life insurance policies as a tax-advantaged family bank vehicle to store cash and simultaneously deploy it into other investments only needing to service interest costs but not tying up liquidity.
😆 Enjoying racing cars and driving thrills late in life
Paragraph 8 covers Gary's exhilarating experience learning high performance race car driving skills at a racing school, pursuing a lifelong passion.
😊 Fun questions reveal Gary's preferences
Paragraph 9 contains lighthearted questions flipped asks Gary to quickly choose between two options, revealing some of his preferences around food, entertainment and other interests.
👾 Future of high tech, high power electric sports cars
Paragraph 10 discusses emerging electric vehicle technology allowing for extreme high horsepower hybrids and Gary and Flip's enthusiasm for the next generation of sports cars.
💡 Final tips on wealth building leveraging liquidity
Paragraph 11 provides Gary's closing advice around the importance of developing multiple income streams while maintaining liquidity to capitalize on investment opportunities in down markets when prepared.
Mindmap
Keywords
💡financial freedom
💡real estate
💡liquidity
💡mastermind
💡hierarchy of wealth
💡family bank
💡leverage
💡character
💡mindset
💡legacy
Highlights
The Great Recession was when I was paying no attention to my finances and lost over 50% of my net worth
Freedom to me means having agency and control over your entire life
Spending quality time with your kids requires enjoying what you do everyday at work first
Being completely open about finances and mistakes made with kids is critical to teach them lessons
The biggest lesson learned is to always bet on yourself, maintain a positive mindset, and find trustworthy people
The hierarchy of wealth involves building a solid liquidity foundation first before other investments
Having liquidity provides the confidence and clear-headedness to take advantage of investment opportunities
Certainty like liquidity enables uncertainty - it allows you to take risks while still being prepared
The family bank method allows efficiently storing reserves and investment capital that grows in two places at once
Owning real estate with long-term fixed rate loans protects against inflation and builds generational wealth
Cars and racing represent freedom, power and a quintessential American male experience
Hybrid performance cars with electric and combustion engines will be the future
The family bank provides liquidity that grows tax-free to take advantage of investment opportunities
Resources are at garygarypinkertondotcom to learn more about building the hierarchy of wealth
The power fund provides a flexible high return liquid investment option from 6-14% interest
Transcripts
the Great Recession was exactly the time
that I was paying no attention to my
personal finances at all none and when I
left command and I was handing it off to
the next guy I realized I had lost over
half over 50% of my family as well I
paid no attention but worse none of my
advisers had ever called me emailed
texted anything right didn't write a
letter and so I felt like there was no
control
there hey everybody flip and Danny here
and welcome to another episode of the
freedom show today today's guest is Gary
Pinkerton yeah super excited to have
Gary um he has been a friend for a while
he's in one of our um masterminds and
today he's talking about the family Bank
um so it's another wealth building
strategy that we're excited to share um
more with you so enjoy the show
[Music]
enjoy you're tuned in to the freedom
show we are in the studio having a
conversation we are really excited to
share with you today's guest is Gary
Pinkerton we're so happy to have you
here Gary we're gonna be diving we're
we're gonna be diving into a bunch of
topics with Gary um today but before we
do we're going to um tell everybody a
little bit about you Gary Pinkerton is a
wealth strategist veteran best-selling
author entrepreneur and real estate
investor passionate about business
reducing tax building agency wealth and
family Legacy he's a graduate of the US
Naval Academy where he later taught
ethics he commanded the nuclear attack
submarine USS Tucson and was a pentagon
division director for The Joint Chiefs
before retiring as a captain Gary owns
and helps others couple High cash value
life insurance with alternative
investments in Investments he directly
owns 20 buildings a general partner in a
48 unit Resort in Cape Coral and a
limited partner in 30 syndications his
Hobbies is working on and racing cars my
kind of guy welcome to the show Gary Sor
thanks I was just thinking of you when I
did racing the other day so that'll come
up somewhere I'm sure awesome I can't
wait and after reading that bio I'm
sorry sir yes
sir I love it well we are thrilled to
have you um on the show Gary we've uh
told our Network um this is the very
first podcast that we have created where
we actually have guests on it um
typically we only do solo shows we did
the 365 day podcast in 2022 and uh it
was crazy and we don't want to do daily
anymore so we changed it to weekly and
we said hey why don't we just introduce
our Network to everybody that is in um
our Network so um Gary you are in our
Network um you are somebody that we work
with that we are in um the power room
Mastermind with um and so we thought it
would just be great to introduce you to
everybody and tell them more about what
you do um but before we get into um how
we are working together and what I like
to call like the superpower of how you
help people um we love to talk about
Freedom um and so I'd love for you to
tell us what Freedom means to you and
share with us your um Freedom journey
and what that looked like yeah awesome
so uh freedom to me means my favorite
word that I've adopted to be my fight
song and that is agency so it's pretty
close to Freedom it's really agencies
having the the ability to uh control
your own future live life the way you
want to live it both financially and
just in general so maybe it's just it's
it really is freedom frankly it's
Financial Freedom it's life and time
Freedom uh and so for me just having the
ability to do what you want to do in
life my story of how I exe exercised my
freedom was 2020 um I W my family and I
were living up in New Jersey I retired
from the military in
2016 and all before that I was searching
for Financial Freedom not agency so uh
you know if you go all the way back when
I'm a kid in high school um our it's the
late 70s early 80s and uh Ronald Reagan
is in there trying to fix the high
inflation that we had under Jimmy Carter
era uh and and so he and Paul vuler the
FED share um raise interest rates of 21%
and we had variable interest rate loans
on our Farms which all Farmers a lot of
farmers did back then wiped us all out
completely living in a you know rented
or a borrowed trailer used trailer on
our uncle's land my uncle's land and
really kind of hating life as a young
materialistic kid who wants to attract
girls but not with hand-me-down clothes
you know and and so and old cars and
stuff like that so I was so focused on
making money and changing my future that
I got an opportunity to go to college
with the Naval Academy and University of
Illinois and the Air Force Academy the
one that was furthest from Illinois was
the Naval Academy and that's I'm not
kidding you why I went there um and they
also it also offered a free uh education
right which is what I could afford and
it offered uh 5-year guaranteed
employment after that with pretty good
pay so that's why I did it and along the
way though I got super inspired about
patriotism and about nuclear submarines
and so I spent my you know 30 years
doing that and near the end uh I was
actually it was 2008 I was getting ready
to go into command of my submarine and
uh I had enough money in my opinion to
retire to walk away from my W2 job and
finally start to see my young boys start
to grow up cuz I'm starting to get a
little guilty about the fact that I was
around my dad all the time and I really
should you know attribute a lot of My
Success to you know everything that he
taught me as a father teaching a son and
my kids were not yet teenagers but they
were getting old enough that you know
they were starting to kind of act out
and I was realizing that this was not
the best path of me to just not be
around them so I intended to do that so
going into the command had enough money
in my opinion to do that left command u
a little over three years later and so
my command tour was from 2008
essentially to 2011 the great re session
was exactly the time that I was paying
no attention to my personal finances at
all none and when I left command and I
was handing it off to the next guy I
realized I had lost over half over 50%
of my family as well I'd paid no
attention but worse none of my advisers
had ever called me emailed texted
anything right didn't write a letter and
so I felt like there was no control
there and and I felt trapped in that I
had to stay in the military and I had to
come up with a followon job because I
wasn't in the position anymore to do
that so for me my story of getting to
Freedom was realiz I ing that freedom
and agency comes from having control
over your entire life right so now let's
fast forward to where I was in 2020
we're up in New Jersey and now I'm I'm
I've always been Freedom focused I mean
for 30 years I was trying to help other
people be free in their lives and now
I'm I'm focused on this agency thing
which means that I have the financial
capability and the and I've set up my
life in such a way that I can do
whatever I want and this guy up in New
Jersey our our governor keeps uh keeps
putting more and more um restrictive
Freedom limiting things on people during
coid time right and like listen people
get a little bit of a buy because none
of us had seen this before um but they
just keep doing it and and so he's got
this great idea to take everybody that's
in a hospital in 2020 and make them stop
off in a nursing home to like infect the
people in the nursing home or themselves
get infected and so the death rates were
pretty high in New Jersey in mid 2020
and so he's on television and he's he
gets flustered with all of these
questions and eventually he just says
listen if you don't like what I'm doing
you can leave and so I like the third
time I heard that I went to Susan and I
said hey um this guy's talking to me
like he's physically speaking to me and
so we uprooted ourselves and we moved
and that taught me that have an agency
is it means everything in the world and
so yes all of a sudden after that I'm
living in the great state of Florida
with you guys and um my and it's not
just everything's Florida but but like
everyone leaves you alone like you know
like your neighbor sees you working on
the beat up broken down old car in your
front yard and he's like well that sucks
but you know I don't own that that's him
that's his world right I'm not saying
everybody's like that but that's you
know it's a much more free environment
so I could go on for the entire podcast
but I'll stop there um you know agency
and freedom my story is I moved to floor
in 2020 and it taught me what's super
important and I just roll that into how
I now talk and help
clients I love that um so uh we if you
uh summarize that into a word um I feel
like I'm hearing geography Freedom a lot
right um because you wanted to move
somewhere uh to where you could do what
you wanted um time freedom to be able to
spend time with your kids um tell tell
us a little bit about that we have a lot
of people with families and we talk
about this um blueprint that we create a
lifestyle design right and and choosing
what you want to do early on like what
you want out of life um so that you
don't get stuck um in what could be
another prison chasing Financial Freedom
or some type of Freedom right um so when
it came to spending time with your kids
uh what did that Journey look like well
first of all you mentioned like don't
get stuck in a prison right or get stuck
doing something you don't want to do and
you know we all have an America
amazingly we have the freedom to like
like we don't go to prison if we choose
like physical prison if we choose to uh
be a skater instead of you know being a
bread maker right so you get the choice
to do that and choosing something that
at least you don't hate doing is a
really really good idea or at least
getting there as soon as you can because
if you don't enjoy life at work at where
you devote your adding value to the
world and getting paid for it you know
time of your life then when you're
around your kids you're not going to be
you know you're going to be in a really
horrible mood and you're going to be
beaten down and and it's not going to be
quality of time there either right so
the only way really to add value to and
and have freedom to spend time with your
children and then pass on your lessons
learn is that you enjoy what you're
doing like my dad never made much money
um and you know he just kept getting you
know kicked in the groin if you will
every time
financially the big you know the big
dairy farms took out the small guys and
the banks got went after us and you know
there's always one thing after another
but he enjoyed what he was doing he
enjoyed working the land and raising the
animals and so he spent the time he he
was still in a decent mood when I was
out there with him doing that right so
you you have to pick the right place to
be before you can you can't just make $2
million be really upset about where you
have to go to work and then you know
have a great life with your kids it's
not going to work um so you have to be
okay with and excited about what you do
every day um and then spending you know
and then you know I guess what I would
say is that there's no shortcut on
passing on our values our ethics and our
lessons learn to our kids there just are
no shortcuts you have to spend the time
with them bottom line and so if you're
in a financial position where you can
say hey kids um I've carved up two weeks
here in June where are we going you guys
pick right and and and so if you can get
there buying I mean maybe it has to be
within reason right maybe it has to be
like pick these three states that we can
drive our car to maybe that's a
situation that you're in right now but
let them pick and then let them pick the
activities that you're doing while
you're there with the understanding that
there is one day or one evening or
whatever that's mine and in that period
of time we're going to order their
favorite food still but we're going to
spend time talking about the things that
I think are important for them to
understand about how to grow wealth how
to save on taxes why education important
and you know and and why owning real
estate is important and all these things
that I think are vitally important for
long-term wealth you need to pass it on
to your kids and it's not going to work
as well if somebody else does it and
they're not going to listen if they're
not bought it right like my first family
meeting like this like family Legacy
wealth creating topic was in the living
room of our primary residence and that
did not go well at all like it was
horrible it was like one of those crazy
uh Brady Bunch meetings where they all
sit down on the couch right like it
didn't go well but I've learned and so
right create an environment that they're
excited about that they're bought into
and they created and just let them you
know make sure they understand that
there is you know there needs to be an
education side to things yeah I love
that so um this kind of it transitions a
little bit and we can keep on going on
the freedom stuff because I I love the
stories that you're sharing um but it
transitions a little bit into this get
real aspect that flip and I talk about a
lot um you know this journey of reaching
Freedom um and in your agency um is a
journey of roller coasters it's not all
rainbows and sunshine um there are times
that where you're struggling um there's
times where you're not sure exactly what
to do and you're having to reach out to
to your network to you know find
solutions to problems um and not a lot
of people talk about those times they
talk about the highs and don't talk
enough about the lows and we're very
much we have a kind of a passion to say
hey everybody you can do what if we did
it you can do it too um and we're going
to tell you about all the failures um so
that you you realize it's okay to have
failures and it's okay to get up and do
it again so as you're talking about your
kids and teaching them all of these
things um uh I thought in my head you
know I wonder is that are those
conversations happening as well you know
here's the mistakes that I made so that
you don't make them too and can you
share just uh some get real moments um
with our listeners yeah so Susan and I
are very open with I mean my kids are 19
and 22 now both boys and so but for I
would say for the last close to 10 years
um we have been completely 100 100 %
open with them about how much money we
have and um and what mistakes we've made
what successes we made and what we
recommend for them like aggressively
open and and conversational about that
and um you know my parents were open
about what we had too but we didn't have
much you know and so they were open
about The Debs that we had and things so
there wasn't a lot of secretiveness
going on I think a lot of I think one of
the big challenges is that many um
successful business owners and
entrepreneurs are so busy building the
business they don't ever uh spend time
teaching the family about it and then
they realize the family is not educated
to be able to handle this it would be a
weapon in their hands and and so they
have to Shield them from it so they
don't talk about it and they um because
they don't think the kids can handle it
right I me there's bumpy moments when
you're totally open about stuff like I
remember my son on Xbox telling one of
his friends how much money I had or made
or properties we have or whatever I'm
like who are you talking to he's like oh
some guy I just met from Kansas I'm like
no no no so you know so like it could
have been a 60-year-old you know crazy
person but uh anyway so being open about
that you have to you have to do the work
right you have to do the education side
of it U but I'm certainly open like my
kids know uh definitely know you know
some big big setbacks that have happened
in the last two or three years and I
think one of the things we want to talk
about coming up here is like your big
your biggest lesson learned or take away
your advice right and so I'll hold kind
of what that lesson was until then um
but but what I'll say is they saw me go
through the turmoil of losing you know
seven figures in in a scam and uh you
know and and I believe that God teaches
us all these things like we go down this
path intentionally to learn the lesson
and I was getting frankly a little cocky
uh about you know I can make money you
know while I sleep or I wasn't really
thinking that but you know I was like
very comfortable and I wasn't learning
as much because when you're when you're
in stress when you're learning the
lessons when you're moving the boulders
that just showed up in front of you at
An Inconvenient time you're learning
from that stuff right you learn the most
Donald Trump said when asked would you
learn the good times and the bad times
he told the real estate guys uh I didn't
learn anything in the good times I learn
everything in the bad times and I would
100% agree with that when you're
coasting and everything's going well
you're not learning anything and so I
want to make sure my kids I mean I can't
really hide it anyway but they see the
pain they see that um you know that I
really regret those decisions I made and
but I also learned a lot of lessons and
I make sure they understand what those
lessons are um you can teach kids the
wrong lessons if you're not verbal about
what they're seeing right because
they're they're watching everything like
you know do what I say not what I do
kind of thing right but but if you're
not saying and doing then they're just
going to learn from what you do and I've
had my kids tell me stuff my sons um I
would never do that one of them said I
would never invest in real estate
because he saw the pain associated with
me making a mistake in real estate right
oh wow but I didn't take the time to
verbally explain and show that the that
th that pain is absolutely worth it
right like it's it pales in comparison
to the Alternatives like I didn't take
the time to explain that so I don't know
if that helps but yeah you know really
it's being as as open and verbal as you
can yeah that is very very powerful so
um is that the lesson so yeah what would
you tell people is that the lesson that
you would tell people um or is there
something uh different that you would
say to people hey if you're struggling
right now or if you're if you're on a
journey um understand there's going to
be these ups and downs and and what what
what advice would you give them yeah so
the the you know there's a lot of
lessons there but the one I was really
going to talk about is that really it
all comes down to the character of the
individuals that that you're dealing
with right so all risk in investment
deals and opportunities and businesses
that you start up or whatever um
everything you pursue the risk is in the
other people it's really not in anything
else it's you're betting on two things
other people that are involved and
yourself and you should always um put
the most possible amount on yourself and
believe in that so if possible keep a
positive mindset like work on gratitude
work on abundance I have this dear
friend who was running the business and
she was getting on an airplane 20 years
ago when you couldn't you know stay
connected on the airplane and she got
news on on a telephone right beforehand
that she was probably going to lose her
business and she had done a lot of work
on personal growth and so the entire
flight all the way across the country
she's staring at the blue seat and she's
like I came up with everything possible
that I could think of positive about
that blue seat in front of me because it
kept my mind off everything else she
walked off the plane got the follow-up
phone call and she was like we can deal
with it we'll we'll handle it right and
it's because she could change her
mindset right and so that's the one
thing we can always control and that's
why I always say bet on yourself no
matter what bet on yourself and stay
positive about your ability to stand up
dust yourself off and move forward right
and if you ever give up on that if
you're ever looking at anybody else
first of all you're gonna be scared out
of your wits and you're not going to
have what you need to move forward so
biggest lesson is always bet on yourself
um if at all possible do everything
possible to stay in a positive mindset
even if it means thr away the work and
going and doing your favorite thing in
life and and just putting it off till
later do that because if you can
approach it from positive mindset then
you're not in fear mode and you're not
trying to cut your losses and do all
kinds of crazy things right you're
moving forward the whole time that's
super important and then I would just
say that in my lessons learned and all
of the big mistakes that I've made it's
been because of the character of the
other individual I'm not saying don't
trust people I'm saying find the right
people to trust spend hours and days
around them before we started recording
I spent a lot of time around a good
Mutual close friend of ours and one of
the primary reasons I did that was to
know him in in the fun times and the not
fun times when we're super tired and
we're worn out and things didn't go the
people didn't show up to pick us up or
the reservation's not there or whatever
like how does that person respond right
and once you know those people who do
have good character just stay tied to
the hip to those individuals and just
protect yourself from everybody else wow
I love that you just shared that story
because it's something that flip and I
talk about all the time um we are in
masterminds and we talk about the fact
that they say he how do you have um you
know such a large you know investor
Network um and I said we're just very
authentic we're very transparent we're
very genuine uh we talk about our
failures a lot like we we don't and we
don't mind like we when people vet us I
say you should be asking me and somebody
else what their biggest failure was and
what you really want to know is what
happened as a result of that
circumstance St what happened to them
also what happened to their investor um
and out of that story it's going to
reveal the character of that person
because some people will tuck tail and
run in hard times and it's the people
who stand strong do what you said find
the positive um you know get up every
single day never giving up um and
continuing on to follow through with
what you promised to do and um not
enough people um do this is an automatic
and the fact that you said it I was like
w number two this like you know the
second person that actually says uh
exactly what we do so I love that you
shared that um with us so um I want to
jump into uh what I like to call your
superpower Gary um so um this could be
anything I personally think I know your
superpower because it's why we're
connected um and it and it's part of you
know uh you know wealth building
strategy it's also um you know
protection um and so I'd love for you to
share a little bit about um what you do
and how you help others how you've
helped us um anywhere you want to start
um I really want to share this yeah so
the fundamental you know uh description
of my uh certification and my day job is
um life insurance it is um it's often
talked about I mean it's uniquely
designed for the purpose of growing
wealth and it uh is often described as
infinite banking um uh wealth
maximization accounts I personally have
started to talk about it as family Banks
because it's a really nice two-word
description of what you're doing you're
creating a bank for your family's wealth
where you store your safe liquid and
guaranteed money that grows better than
your Chase bank account and provides a
bunch of other benefits so that's kind
of the fun foundational or fundamental
aspect of it where I think my superpower
is is helping other individuals as a
coach as a guide not as a coach but as a
as a guide as a mentor as somebody who's
on the path with them like I will never
ask somebody to go down a path that I
haven't already looked around the bend
and know basically what's down there
like don't know all the answers but I've
done something before I recommend it to
somebody else and I think I can break it
down simply I love Robert kiyosaki's
writing he writes like to an eighth
grader or less and and so it's very
simple writing and what he said to me
one time and I think he even puts it in
his books but he said to me on a real
estate gu uh Cruise one time he said if
you can't explain it to an eighth grader
then you don't actually understand it
and that is so powerful and so I try to
simplify things down as much as I can I
just did a presentation to 400 people
and the biggest and best comment I got
back was you made that so simple and you
were so confident when you were up there
talking about it well that's another
secret to it is if you can say it to an
E or an eighth grader and you understand
it that well then you're confident on
the topics right and so this fundamental
tool is really like a replacement for
the foundational part to your family's
wealth um another aspect to and where I
really like to do though is to be that
guide on the path to wealth and so I
love talking to people about their their
personal tax strategy and growing wealth
and passing it on as a legacy like those
are my big things I love to work with uh
individuals who have a future generation
that they want to pass something on to
and and are self-motivated like they're
interested in owning things that they
directly control like real estate and
businesses and things like that uh and
and so this um infinite banking or or
family bank is really just a foundation
that sits underneath everything think of
it as a pyramid as a hierarchy of wealth
Egyptian pyramid and most people ignore
how having enough cash liquidity sitting
in the bottom because they're thinking
cash is trash it's not growing for me
down here I could have this in an
investment and I can't tell you how many
people I know in 20089 in 2020 um quick
story in 2020 I have a client who is
third generation owner of an ice cream
store in their small town ice cream shop
in their small town and it was paid off
had been for decades and so he decides
and it was from advice from everyone
including family hey in 2019 take a loan
against that thing go get another one
and open it up in our neighbor town or
AC cross town or whatever so that you
can serve more people totally makes
sense I probably would have done that
the challenge is he had zero liquidity
no savings no checking and 20 you who
would have predicted that both
properties were heavily leveraged at the
moment that the government for the first
time in a hundred years uh refuses to
allow him to open the doors to his
building right company goes bankrupt
third generation right all because he
had Leverage is leverage the problem
Leverage is not the problem there the
problem was no liquidity and people are
like that's the same thing it's not at
all the same thing have tons of Leverage
in my life as do the two of you what I
also have is tons of liquidity I have
like 40% of my my net worth is liquid
and it stays pretty close to that for
most of my life and and so I think some
of my unique genius is getting across to
people that um being liquid is an
advantage not a disadvantage Warren
Buffett always says you know um be be um
excited I'm going to get this wrong
because that's not the right word but be
excited when others are fearful and
fearful when others are excited um
enthusiastic maybe the word he says but
you know and then there's that phrase of
uh you know uh buy when there's blood in
the streets even if it's your own blood
right well how do you do that well you
gotta have liquidity to do that right
and so you know you have to you have to
be preparing for the future but just be
comfortable maintaining some liquidity
and this
tool the reason you don't put your money
in Chase checking accounts is because
you can earn four and a half to 5% today
uh with no tax in a tool that's just as
guaranteed safe and liquid right and so
that gives us I've Lear learned over
time in dealing with clients in my own
world and myself I mean that that gives
you enough confidence and enough Comfort
to say okay I'll let it sit there liquid
because it's growing pretty solid right
and that allows me to be ready when
somebody like calls two G two days ago
and said I'll give you a 30% return in
two months if you'll lend me some money
um right you know today like the problem
was I had to lend the money that day and
not that many people have that money
right and so it's a tremendous return um
but you have to be ready for it and
which means you have to be comfortable
having liquidity in your life not that
you're just missing out on everything
because that's how I used to roll I used
to have all my money and mutual funds
and stocks and that kind of stuff and I
meet people every day that are like that
and they just are not comfortable having
liquidity but the two of you are and I
am yes and I tell people that every time
you go through a challenge like 2020
when they tell us you know tell all of
our tenants don't bother paying your
rent until further notice right like I
can remember vividly my wife Sue looking
at me and saying how long is that going
to last for us well ironically we had
just put our money into a syndicated
investment and the bank wouldn't close
because it was coid time and they gave
all the money back and so my liquidity
doubled and that was God saying you were
about to screw this up and I just gave
you a Lifeline right and so then when I
redid the math I said oh look at that we
could go a couple years like this now
but it was not intentional at that point
it is
today wow that is incredible I think
that's very powerful um we're actually
in the middle of uh um talking about
liquidity ourselves with another one of
our investors for the same um exact
reason um of being prepared for um the
markets and the markets changes uh and
that quote by Warren Buffett um is um be
fearful when others are greedy greedy
greedy when others are fearful um yes
and I I just love that quote I have a
picture of at the power room Mastermind
I got a picture of Warren Buffett from
um those guys that are always back there
because yeah bandhi I just I just love
that quote so much but go ahead you were
gonna say something well I was just
going to add to that that not not only
does it set you up to be ready
financially to take out take Cho of Opp
or take um um take advantage of
opportunities um because you know I
would say that luck is when opportunity
meets preparedness right so you have to
be prepared so that is true um that
you're going to be the lucky one that
picked up the deal at a low price
because you were prepared and the
opportunity showed up um the other thing
though that Patrick donaho taught me and
I this took me forever to understand
Patrick donaho is a guy I work with at
Paradigm life and is my mentor in this
world and taught me this 12 years ago
dear dear friend um he he always would
say that you need certainty in your life
to enable uncertainty I'm like what are
you talking about like on is enables off
like what are you talking about but but
what he's talking about is that
certainty certainty is like having a
parachute like you want to go
parachuting but you have you like to
live till tomorrow and you have family
that are depending on you so you need
some kind of certainty in there right
and so the parachute is that certainty
and working with a quality individual
who knows what they're doing like that's
the certainty that you put in place so
you can go do that crazy thing right and
have fun doing it you wouldn't be having
fun if you didn't know the parachute
worked or not right like you'd be scared
out of your your rear end right so you
have to be careful but if you have
certainty in place you're good and so um
somebody you know my buddy calls me like
right now I don't think it's the best
time in the markets right like I have
some Investments that have stopped
paying me cash flow and I have some that
are asking for my Capital extra I have
some that are not returning the loan
that I've given them right so there's
there's like crinks in the are chinks in
the armor a little bit at least and so
most people are getting a little more
conservative with giving out the money
well why did I then say Absolutely I'll
do as many of those as you will offer me
um why did I do that well it's because
that certainty that big old buffer um is
really giving me the confidence to say
yes things are changing things are going
to get worse but a lot of money is made
in those worse economic environments
because the people are prepared and
they're confident like you have the
confidence so I think that having
liquidity around not just actually
provides the capital it provides the
clear-headedness the confidence the
ability to look at things and make a
good choice yeah yes oh that's so so
powerful um one of the notes that I
wrote down that I wanted to talk to you
about um was hierarchy of wealth um so
can you share with us the order that you
build wealth in and why that matters
absolutely so if you think of it as an
Egyptian pyramid it's really we took
this from hierarchy of needs which was
maso's way of explaining to people how
to get to your unique genius at the top
and a lot of people have come across
this in school especially anybody in the
medical profession and it was him saying
like hey the foundational there's like
these different layers you have to go
through four or five I forgot how many
he had um and it was basically like an
Egyptian building a pyramid that's going
to last for thousands of years you need
to finish all the bricks don't cut any
Corners finish all the bricks in the
foundational layer and then move to the
next level and do it systematically and
you only put that cool little triangle
piece on the top if you've done
everything else along the way right and
so we had just adapted that to talk
about hierarchy of wealth which is your
relationship with your money and so it's
simply just if you can think of this
hierarchy of wealth pyramid and I'm
happy when we talk about contact
information happy to send the book that
talks about this and you know any other
kind of uh videos and stuff but you
think of a pyramid on one side is
control and you have maximum control at
the very bottom where if you jump off or
fall off you don't get hurt right and
then you have maximum risk at the top
where if you jump off the top or fall
off the top you do get hurt so just Max
Control at the bottom they're opposites
right and so control is talking about
your money if you have a lot of insight
and control about what your money is
doing who's got it when they're going to
give it back to you and is it going to
bring any return with it right then
you're very very um low in the
foundational layers of this thing so for
example in the life insurance policy
it's down in tier one it's maximum
control and it's and therefore minimum
risk like there's 150 year track record
of never losing a penny for anybody
right in fact there's a 150 year track
record of growing it every year
guaranteed so pretty high control um the
other end of spectrum is pulling the
slot machine handle or spinning the
rette wheel at a casino like that's no
control maximum risk right and so
everything else is in between and so if
you look at like four levels the bottom
is foundational tier one guaranteed
money again it could be a savings
account or a shoe box in a well in a
safe right like those are fine it's just
that some grow better than others and
have you know in my opinion the the life
insurance whole life insurance policies
have a lot better features than the
others but they all work with respect to
Safe liquid and guaranteed but then but
your house doesn't work there right your
house is in the next level your rental
properties your business the money you
invest in your own personal development
all those things are directly controlled
things in tier two and then above that
is all the syndications right so like
you guys investing in the property that
you're going to manage and control
that's tier two me investing with you
it's tier three because rightfully so in
the contract it says you can make
decisions without my permission because
I imagine that would be a lot of fun
having a passive investor that has no
clue what he's doing that just decides
we should paint it pink and rent out to
homeless people right so that's a bad
idea but you know but uh so yes like
there's a reason why the passive
investor is passive right but if I want
to be a passive investor because I want
to focus on my own business I do take on
more risk in tier three up there by
doing being like a an indirect um
controlled asset but like we talked
about earlier you control that by
learning the individual and minimizing
the risk the biggest risk which is the
character of the individual you're
working with like they could be an idiot
you can test that they could be crooked
which is hard to test takes a long time
but it's the most important and once
you've solved those then you're in
pretty good shape right and then above
that is complete speculation and so
that's where you're so far removed from
your money that it's almost like pulling
a slot machine handle and to me the way
I dealt with all my money was in the
markets for the first 25 years of my
adult life while I was in the Navy I
just handed money to some actually
automatically came out went to some dude
I'd never met he gave it to some mutual
fund managers who put it in some
companies and I couldn't name any of
that stuff and so I might as well been
the salt machine hand right so it's like
all the stock market is up there for me
but if you're a person who does Warren
Buffett level of of of exposure and
investment and sits on the boards and
all that kind of stuff well that's a
little further down the pyramid for
you yeah I love that um okay so I like
how you call this the family bank I
think that those words are incredibly
powerful um and even when flip and I
came to you it was because um a lot of
things were happening happening for us
financially and we were like what you
know what do we do and so what do we do
we we sought out advisers um to help us
on the journey and figure out where to
place some of our Capital um so um talk
to me about uh efficiently storing
reserves and investment capital and how
the money is growing growing in two
places at once yeah that's awesome thank
you for that so so again I call it a
family Bank it is high cash value really
called overfunded whole life insurance
and there's another product called index
universal life or I it's a decent
product but it's an investment it's not
a bank right it can't guarantee your
money for the rest of your lives um and
so it just doesn't do this role so I
always use whole life insurance for this
role and so you are stuffing cash you
can think of it as a big box you're
stuffing cash into a big box it's a
variable amount you can adjust how much
you want to put in or not put in uh and
and when it's in that box it's growing
at four and a half to 5% and a very
conservative estimate um and and you
know probably better than that but those
profits are growing inside they're
without paying tax on them and then
whatever's Inside the Box again what's
inside the Box represents what you
personally put in and what the insurance
company put in for profits and
guaranteed increases that they're adding
right and so it's growing cash the true
purpose for this growing this cash cash
is to one day pay it to your family as a
death benefit but along the way you get
to use it as as your own personal cash
banking system and there's two ways you
can use it you can physically withdraw
the money like you would out of your
checking account to go make an
investment the challenge there is that
when you do that it stops growing right
and I like to use an example that I've
memorized the numbers for um and that is
my first rental property that I bought
on vulpi Drive in San Antonio Texas in
2011 it was a fourplex I needed $50,000
as a down payment and
uh so I had this choice I had just
started my policies and there was room
to put this 50,000 into the policies and
immediately go access it right and and
so I asked people I'm like hey what do
you think I should do that and so one
guy looked at my plan and my plan was to
use the cash flow from the asset like
$300 something dollar a month at the
time uh the net cash flow to pay off the
loan and I figured it was going to take
me 25 years to pay this off principal
and interest and they looked at it and
they're like oh my gosh 25 years at at
the time it was like 6% loan so it's
closer to 5 today but you know 6% loan
25 years they're like my gosh that's
$47,000 in interest Dave Ramsey says
that if you're going to pay as much an
interest as you do in principal you
should just pay cash for everything
right and and I understood that and you
know it sort of made sense and that's
why people pay off their house and they
pay for everything with cash right
because they use that mindset but the
second half of that's a super important
conversation and that is what can I do
with my money if I don't lock it up in
this property in this investment and it
turns out that if I borrow the money
from them and pay them 47k extra in in
um interest if I then take my 50 and I
grow it at that same six% back then
without any taxes and the interest earns
interest turns into um
$215,000 and so if you take out the
original 50 that's 167,000 or $165,000
of growth and $47,000 of interest paid
to do that
$18,000 difference because I chose not
to use cash right so that's the idea of
your money doing something two times
right it's earning inside this policy
and you've just accessed the value of it
by using it as collateral for no cost on
your side borrow money from somebody
else and pay them back the interest
which allows you to you know the
alternative again is it's sitting in a
checking account earning half a perc and
getting taxed yes and then you take it
out of there and now it's not earning
anything right that's right for that
entire 25 years as you start to build it
back up in the checking account so
either way we're making the $300
payments one is filling up a checking
account the other one's paying down a
loan but my 50k was sitting at this
amazing return with no taxes compounding
that whole time as opposed to earning
nothing wow I love it so um there's a
reason why we came to you when all of
that you know uh all that Financial
windfalls were were coming because um
you know this stuff you are um are one
of the like we know a lot of people in
this space and you were the expert that
we trusted to go to so yeah I I just
wanted to say thank you that's why we
wanted you on the show so you could
really share that um with other people
um so we are going to um get into a
little fun segment um uh here so but
before we do uh you are listening to the
freedom show with flip and Danny Our
Guest is Gary Pinkerton and we're going
to be right back after this short
commercial break add new income streams
to your financial statement freedom
family Investments can help own property
and get paid rent join funds and get
paid
interest wealth is
well-being own your own future
freedom family
Investments get more time to focus on
what matters learn which investing path
is for you where to start and who to
trust visit freedom family
investments.com all right welcome back
Gary thank you so much we've been
enjoying everything that you've been
sharing with us um this is the part of
the show where we just have a little bit
of fun um flip uh prepares for every
guest that we have with a short segment
that we like to call real quick with
[Music]
flip uh yeah and actually real quick uh
real quick with me um what was funny is
is uh you know because we we've talked
about you you know that we met you uh
through a mastermind and we had talked
with you a number of times and I
remember sitting in the room and uh one
one of the guys was on the stage and and
they said that you know in this room is
a retired uh you know USA Navy uh
nuclear attack submarine captain and I'm
like wow that's awesome that's so cool
and then they said Gary come on up here
and I'm like
whoa I'm like I I know that guy I
couldn't believe it that was that's so
awesome thank you for your service way
yes appreciate that yeah U all right so
this is like she said it's real quick
with flip I like to call it this that or
the other so I'm going to give you two
items uh you have to select which one
you'd like but I give you the wild card
if you like a third item that's in the
same realm or same genre then you can
select a third item so if I say corn
flakes or raisin brand you could say
charms loose exactly good you've got it
figured out perfect all right all right
so are you ready I'm ready all right so
first one I'm starting it off hard
Mustang or Corvette Corvette there you
go all right and that's all I have today
no I'm just kid uh
uh art festivals or music
festivals race car
driving
festivals I believe they're called
festivals yes yes yes uh uh morning
person or night owl oh morning person I
we have yet to meet an ID all I'm just
just saying that's interesting uh well
it's that time of year uh with
trick-or-treaters M&M'S or Snickers oh
boy Snickers that's tough though yep
yeah I would have said Reese's peanut
butter cups that was
close all right Mac or
PC oh
PC oh
Bo there's a reason but yeah there
always
is uh baseball or
football oh gosh race car driving want
to watch either one I'm sorry no no
that's that's perfect perfectly
allowable uh meican food or Thai food
Mexican all right there we go all right
again back in the theme of the the month
that we're in that we're recording this
in pineapple pizza or candy corn
pineapple love me pineapple nobody likes
candy corn sorry Tiffany if you're
listening um all right here's a tough
one Michael Keaton Batman or George
Clooney
Batman whoa I'm gonna have to go with
Michael Keaton I saw him first George
Clooney is an act
better but I'm going Michael
Keaton done very very good last one air
guitar or air drums air guitar oh man I
love air
guitar that was fun that was easy see
told you yeah yeah so okay so uh
whenever we talk about that there's
always something that comes out that we
want to like kind of keep going down um
on a in a fun way and since we started
off this podcast with you know your
favorite hobby being racing cars um so
I'm GNA you and flip kind of go back and
forth a little bit on cars in general
because this man he just every time we
see a car that is something that he
likes we have to stop we have to go to
car shows we have to like it's crazy so
let me start with you Gary um what is it
about cars and racing what is it that
you love and how did you fall into this
um magnificent hobby to me it is the
quintessential red-blooded American male
I I don't know it's just when I hear
when I move my foot and I hear V8 or
bigger numbers rumbling in the
background it's just Freedom it is power
it is um I think it's just the power
side of it it's you know the same thing
when I when I go Full Throttle in an
airplane that I'm flying uh but I like
cars better because I don't know I'm a
little simpler and two dimensions a
little easier to handle um I just
finished skip Barber racing school like
Monday which is why I can't think of
anything but this it's not normally the
way I am um but I can't tell you how
it's just I know I've missed one of my
callings I think there's many Callins
that we each have but one of them was
racing cars because I had so that the
guy who's a professional high-end
professional race car driver who is
leading our lead follow group um you get
to pass other cars Other M we're driving
Mustangs which not my favorite but we
were driving them and uh and you get to
pass when you're when you catch up and
you tail somebody for a lap so now I'm
up to the the the uh leader and for
whatever crazy oh it's because it was a
ride along car the pace car was a rideal
car so they had to have back seats he's
driving a a Camry right and this was a
road course so he's doing his best and
I'm on his M nonstop and we pull into
the pits and he's like okay you can back
off and I go oh sorry and he's like well
I can't go any faster so you can back
off so it was awesome because I didn't
see anybody else do that um but yeah I I
love them forever I feel like anything
with an engine on it I have a blast
driving and do okay with um but cars man
muscle American Muscle Cars just
incredible so had a great chance to go
to Sebring race way um and just drove
the heck out of some Mustangs and did
skid pads and did all kinds of crazy
stuff uh it was awesome the funny thing
about the story was I finally bought my
dream car which is a 2018 C Cadillac
CTSV with your ZR1 you know C7 engine in
it and I was driving back like a little
old grandma I'm not kidding you I had it
in cruise I had it on cruise control the
entire time because I was scared to
death to touch the throttle on that
thing because it was twice the
horsepower the Mustang I just drove it
over a 100 and I was certain I'd be in
prison or jail by the time I got home if
I touched it so it was a great day yeah
and for those of you that uh are
unfamiliar with Florida driving when he
says he was driving like a grandma
that's I believe
85 uh here in Florida that's true oh my
goodness yeah is pretty crazy I guess I
should have I should have asked the
question should have been Corvette or
Tesla uh oh still Corvette still
Corvette no question yeah yeah yeah I
well it's because you said you know love
you love hearing the sound of the the
engine and you know that's the you
because Corvette's coming out with the
eay it's it's actually out now uh with
the electric engine in the front and and
the you know combus engine in the back
and people are like oh it's electric
electric car I'm not buying it I'm like
are you kidding me and now it's like
almost 700 horsepower I'll take one
thank you I don't know if you've seen
the Cadillac um I think it's Cadillac
that has the hybrid uh where it it
starts off electric and makes this like
jet engines kind of sound and then the
then the internal combustion engine
kicks on but that thing is incredible
it's 12 2,000 horsepower or something
like that in a in a formula car but it's
incredible that that e-r is going to be
the same way yeah yeah and and Corvette
smart too because you can start in
electric mode and be very quiet like
they call it leaving your neighbor you
know leaveing in your neighborhood but
they don't call it electric mode they
call it stealth mode I'm like well there
you
go I like it though I like it it's like
a stealth bomber yep I love it I love I
can't wait I can't wait awesome all
right so um thank you so much Gary for
being on our show is there anything else
that you wanted to touch on um with
regard to the family bank and um how how
it helps um people like us you know
build wealth um and serves as protection
as well yeah so I I would say that um
one thing that I didn't really talk too
much about in the hierarchy of wealth
side it does come into play with with
family bank but again I will I will tell
people like once you get your liquidity
established then go use use it for
directly controlled Investments unless
you're already filled up there and
filled up means I I can't focus on my
business because I got too much real
estate or whatever that to full means
right yes and but to me tier 2 investing
is initially an on your own business if
you're running one but definitely on
directly on real estate with long-term
fixed rate Fanny made conventional loans
on it and that really comes from my
childhood and that we lost our farm like
I mentioned in the 70s and I recogn Iz
the impact of not protecting your
hard-earned money what you have
accumulated from the Insidious impact of
inflation like I hate inflation I hate
High interest rates I hate that the
government can print money but we are
there like we yeah instead of trying to
be Don kot and and tilt the windmills
just realize you're in a bunch of
windmills and go buy one right and so so
I now wants to get as much long-term
fixed rate loans on uh real estate that
I can because somebody's going to pay
off the debt for me I'm going to get
cash flow from it and it's going to
appreciate because the government keeps
getting you know devaluing the currency
on us and so you could you know there's
different ways to build wealth but
that's one of the most fundamental
things you got to put in place is own
real property and if you can get
somebody to rent it from you and you can
give some get somebody to give you an
80% loan on it that's at a fixed rate
that's going to make it's not going to
guarantee you wealth but it's going to
become pretty close yes yes and then
borrow against your policy to make it
happen yes love that um so so powerful
okay so if anybody wants to learn more
um what is the best way to reach you or
find you yeah so I tried to make it a
simple as possible uh just it's just my
name so it's garygary Pinkerton domcom
so last name is the color Pinker t n so
it'll I'm sure it'll be on the show
notes or whatever but yeah just Gary at
Gary Pinkerton dcom that's the best way
and we have a ton of amazing resources
including a live an ability to put your
financial information in and create
hierarchy of wealth which I think I need
to show the two of you because it's just
got out a few months ago but but you can
you know actually see your world change
as you buy one more tier two and get rid
of a tier four you can see it adjust um
and so that's all at Paradigm life and I
will give you the the contact
information there but you can go check
us out and what we do there as well it's
just Paradigm
life.net um but the easiest way to get
me is Gary at Gary Pinkerton decom
fantastic and we will have all of these
links in the show notes thank you again
Gary for joining
appreciate the value that you shared
with everyone here and for everybody
else we are looking forward to seeing
you next week bye bye awesome thank you
guys wow what another amazing episode
Gary I I just love him he's so full of
energy and he's just a wealth of
information I really enjoyed you two
going back and forth about cars I could
do that all day yeah I know you guys
could so hope you enjoyed that show um
it was really incredible we are so happy
to have Gary on I wanted to share with
you a little bit about what we have
going on right now uh we are just now
getting ready to release the power fund
uh By the time this recording is uh
released to you it might actually be
launched already so please contact us
about it the power fund is going to
allow you a ton of flexibility um it it
has liquidity options that's something
that we were talking with Gary about on
this episode is during a time like we
are in right now it's really really
important to have some of your funds in
a liquid investment um so that you can
grab it um when you see fit um so we
have a power fund launching it is six to
14% interest that the interest rate is
going to be dependent upon how long
you're going to be in the fund so if you
do want to be more liquid and that's the
bucket of funds that you're using you're
going to get a higher rate of return
than your bank um than any other
investment out there that's why we built
it this way but it'll still give you
liquidity um so make sure you contact us
and learn a little bit more if you want
that higher 14% interest rate we do have
um terms that go up to 10 years um the
longer that we're able to use the funds
the higher interest rate that we can
give you over the long run um so that's
why it's structured that way um but it's
built to U provide uh benefits to
everybody whether it be cash flow
compound interest for those of you
looking for growth diversification
liquidity um we really packed a whole
bunch into this fund that's why it's
called the power fund so if you want to
learn more about that then go to chat
with freedom.com scroll down and then
jump on the calendar of either Ben or CJ
and they can tell you more about it and
until then we look forward to seeing you
on the next Freedom show which is next
Wednesday bye
[Music]
bye nothing on this show should be
considered specific personal or
professional advice please consult an
appropriate tax legal real estate
Financial or business professional for
individualized advice opinions and
information on the show are not
guaranteed all investment strategies
have the potential for profit or loss
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