Wealth Strategy & Insights for You

Unveiling the Keys to Building Generational Wealth: Two Insider Strategies

If you’ve been navigating the world of financial growth, you might know me as the ‘cash value king.’ My journey as a wealth expert involves sharing in-depth financial strategies and guiding numerous high-fliers globally. These individuals have transitioned from merely earning to crafting substantial wealth via cash value life insurance. It’s vital to understand the distinction between earning money and accumulating wealth. Virtually anyone can earn; it requires diligence and effort. Yet, the true essence of financial liberation is found in wealth creation.

Taking it a notch higher, you enter the elite 1% realm when you begin to accumulate wealth for future generations – a testament to creating generational wealth. I’m excited to reveal two groundbreaking strategies that could transform your financial perspective and elevate you to the ranks of the ultra-wealthy. Let’s dive into these life-altering insights!

Leverage Life Insurance to Build Your Wealth

I recently had an enlightening conversation with a woman at the conclusion of one of my talks in the United States. She shared how my discussion on the impressive potential of life insurance made her reevaluate her choice of stashing her hard-earned cash in a traditional savings account, which was barely growing at an annual interest rate of 0.01%. She couldn’t help but wonder about the wealth-building opportunities she missed before learning about this strategy.

Here’s why I often describe cash value life insurance as a ‘guaranteed winning lottery ticket’ for your financial portfolio. It’s a unique financial tool that reliably supports your family’s needs and aspirations.

A key point to understand is the significant impact taxes have on your income. There’s a well-known saying that life’s certainties include birth, death, and taxes. For instance, if your annual income is $60,000, you’re likely paying about 25% of that in federal taxes. However, life insurance offers a dependable method to minimize this drain on your resources.

Consider a 40-year-old individual who invests $1,000 monthly into a life insurance policy. If something unexpected happens in the first year, the policy could offer a payout of $462,809. Contrary to popular belief, with the right policy structure, you can access your funds from the first year itself. This highlights the importance of consulting with a wealth strategist when considering a cash value life insurance policy. At Largo Financial Services, we collaborate with insurers to create plans that not only secure your future but also make your funds accessible in as little as 30 days. It’s akin to having a savings account, but with the added benefit of significantly higher returns.

Remember, it’s never too late to reassess your financial strategies and make smarter choices for your future.


You’ve probably heard financial gurus proclaim, “cash is king,” emphasizing the importance of liquidity for outright purchases. However, in a previous blog post titled “Building Wealth Through Debt,” I debunked this as a misguided approach. The ultra-wealthy don’t follow this playbook. Instead, they leverage loans, notably from banks, to amplify their wealth. A key reason? The government doesn’t tax loans. This makes borrowing to invest in businesses or acquire property a savvy move.

Here’s a clever twist: borrow against your life insurance policy from your insurer. Fascinatingly, while you use the borrowed funds for business investments, your policy’s accrued value (interest) continues to grow. And guess what? It’s all tax-free. This is exclusive, wealth-building insight. Major corporations like McDonalds and JC Penny have successfully expanded using this strategy. When my bank rejected my loan application for my clinic, I turned to my insurance company and borrowed against my life insurance policy.

This strategy isn’t new, yet surprisingly few people are aware of it. Wealth building isn’t about juggling multiple jobs, depriving yourself, scrimping on luxuries, or hoarding cash in a low-yield savings account. It’s about making your money work for you through well-planned strategies.

Ready to forge a lasting financial legacy? Book a one-on-one consultation with me to explore this further. 

Strategy & Insights for You