Anthony Faso, a recovering CPA, and Cameron Christiansen, a former business owner, are the team behind Infinite Wealth Consultants. In this episode of the 5 Talents Podcast, they break down the Infinite Banking Concept: how specially designed whole life insurance policies let you become your own banker, recapture interest you would otherwise pay to banks, and keep your capital working in more than one place at once.

In this episode: what infinite banking actually is and what it is not; how a policy is designed for cash value and control; the safety and stability questions investors ask; and how real estate investors use the strategy to finance deals and store capital.

Guests: Cameron Christiansen and Anthony Faso, Infinite Wealth Consultants.

Josh Payne went from a Division I baseball career cut short by injury to a 15-year financial industry leader and Silicon Valley coach who has trained hundreds of agents helping people toward financial freedom. In this episode of the 5 Talents Podcast, Josh breaks down the mindset shift that changed everything: the awareness that more is available, the clarity to define what you actually want, elevated belief, and relentless action.

In this episode: why he had to unlearn everything at 31 and relearn it from mentors living the life he wanted; how 10 years serving world-changers at private country clubs became his second education; the middle-class money programming most of us absorb unconsciously; the awareness to clarity to belief to success-principles to action framework; and why you must crave the end result so intensely the work becomes irrelevant.

Guest: Josh Payne, Silicon Valley financial coach and mentor, joshpayne.com | Instagram @joshbpayne

Flint Jamison spent 20 years in aerospace, engineering wing structures on the Boeing 787 and managing aircraft-modification programs for the U.S. Air Force, before leaving his W-2 to build passive wealth in commercial real estate. In this episode of the 5 Talents Podcast, Flint shares how a solo bicycle trip across New Zealand rewired his relationship with risk, why his first 23-unit Denver deal collapsed (costing him $30,000 in earnest money), and how he rebuilt into a capital raiser closing 100-unit multifamily deals and ground-up build-to-rent communities.

In this episode: why he stopped buying a job with every BRRRR duplex and moved to syndications; the failed Denver deal and the capital-raising gap it exposed; how a year of networking became a 100-unit Augusta, GA deal and a fund-of-funds; build-to-rent explained and how institutional money is flowing into rental communities; beating the engineer's analysis paralysis by finding the one thing you can be good at; and why Social Security's projected 2034 depletion makes taking action non-negotiable.

Guest: Flint Jamison, founder of Vestas Capital, investwithflint.com | LinkedIn /flintjamison

David Spellman is a fiduciary and registered investment advisor with Money Concepts Capital Group who works in San Antonio alongside tax strategist Ed Guerrero. On this episode, host Abel Pacheco and David lay out how business owners actually keep more of what they earn: save on taxes first, protect the assets second, build the wealth third.

In this episode:

• Why most people run the order backward. As David puts it, "the tax savings, protect the assets, and then build the wealth." Taxes come first because a dollar you legally do not owe drops straight to the bottom line, no new sale required.
• DIME, a simple way to size life insurance: debt, income, mortgage, education.
• The multiply by 10 discipline. A $5,000 tax saving looks small for 1 year. Held for 10 years it is $50,000 you kept in your family.
• Why the fiduciary standard, being legally on the hook for the advice you give, is a feature and not a burden.
• Abel's own scar: a first business that earned good money while he took nothing home, and the decade as a W2 employee that followed.

Abel Pacheco is a San Antonio real estate operator who went from 8 single family houses to a share of roughly 1,500 apartment doors, and now works as a fractional Chief AI Officer helping small and mid sized businesses put the back office on autopilot.

Go deeper and connect:

• Abel Pacheco
• 5 Talents, fractional Chief AI Officer
• The Open Door, the book
• 5 Talents commercial real estate

Kaaren Hall is the founder and CEO of uDirect IRA Services, a company she grew from nothing to about 1 billion dollars under management. On this episode, host Abel Pacheco and Kaaren break down how everyday investors move retirement money out of Wall Street and into real estate, notes, and private placements through a self directed IRA.

In this episode:

• What a self directed IRA actually lets you own: private equity and syndications, notes, tax liens, even precious metals, with private equity as the top asset class.
• "It puts the self in self directed." Nobody babysits this for you, so the diligence is yours. Log into your account every month and read the statement.
• Do your due diligence during the investment, not only before it, and run the SEC, FINRA, and NASAA background checks before you wire a dollar.
• Why the best time to start funding retirement was 10 years ago, and the second best time is today.
• Abel's own first passive deal: money from an old 401k rolled into a 100 plus door multifamily syndication.

Abel Pacheco is a San Antonio real estate operator who went from 8 single family houses to a share of roughly 1,500 apartment doors, and now works as a fractional Chief AI Officer helping small and mid sized businesses put the back office on autopilot.

Go deeper and connect:

• Abel Pacheco
• 5 Talents, fractional Chief AI Officer
• The Open Door, the book
• 5 Talents commercial real estate

Justin Smith is the founder of RelEquity and a ground up development specialist who runs deals "dirt to keys": land, entitlement, design, financing, construction, operations, and exit. On this episode, host Abel Pacheco and Justin walk the full development life cycle and the discipline that keeps a deal alive when the market turns against you.

In this episode:

• "Dirt to keys." The whole development life cycle as one staged continuum: entitlement, design, capital, construction on scope, budget, and schedule, operations, then exit.
• The off ramp at every stage. Each stage carries its own risk, so know where you can walk and where you can add value before the next one begins.
• Permission to specialize: "it is okay to only do one piece. You don't have to do the whole thing."
• What to do when the macro turns. A deal Justin once chased at a 2.7% rate became a 5.7% lock, and his answer was to shrink the frame: keep occupancy high, tenants engaged, investors happy, and manage the little pieces you control.
• "You make money when you buy," and sometimes a no is the best decision you make.

Abel Pacheco is a San Antonio real estate operator who went from 8 single family houses to a share of roughly 1,500 apartment doors, and now works as a fractional Chief AI Officer helping small and mid sized businesses put the back office on autopilot.

Go deeper and connect:

• Abel Pacheco
• 5 Talents, fractional Chief AI Officer
• The Open Door, the book
• 5 Talents commercial real estate

Sarry Ibrahim runs Financial Asset Protection and hosts the Thinking Like a Bank podcast. On this episode, host Abel Pacheco and Sarry break down infinite banking: using cash value whole life insurance as a source of financing you own and control, so you can borrow against your own policy to fund a deal while the cash keeps compounding.

In this episode:

• The reframe most investors miss: "You didn't create a business, you created a financial instrument, a tool that's gonna make you money."
• How the mechanic actually works. When you borrow against the policy you are not subtracting from the principal or from its market value, so the cash keeps growing even while it is deployed.
• The arbitrage in plain operator terms: grow your liabilities all you want, as long as the asset column outpaces the liability column by 2 or 3 times.
• Why time, not money, is the real scoreboard. The wealthiest clients optimize hours, not dollars, and buy back their time until they simply own the entity.
• How Abel thinks about the same math on his own deals: keep the asset column growing faster than the liabilities.

Abel Pacheco is a San Antonio real estate operator who went from 8 single family houses to a share of roughly 1,500 apartment doors, and now works as a fractional Chief AI Officer helping small and mid sized businesses put the back office on autopilot.

Go deeper and connect:

• Abel Pacheco
• 5 Talents, fractional Chief AI Officer
• The Open Door, the book
• 5 Talents commercial real estate