Tom Laune had a unique path to creating the Bulletproof Wealth® strategy. He enjoyed a 30-year career in the music industry as a recording engineer and producer, working with acts as diverse as R.E.M., Bruce Springsteen, and Amy Grant. Early in his career, his financial professional recommended a disability income policy, something he didn't even know existed. Several decades later, Tom suffered a high-frequency hearing loss while mixing a record and was no longer able to continue the job he loved. At that time, his disability income policy became the most valuable possession he owned. It provided consistent, tax-free, monthly income payments that allowed him to go back to school and learn how to help others protect their financial future by becoming a Chartered Financial Consultant, Chartered Life Underwriter, and a Chartered Special Needs Consultant. He also became an authorized Infinite Banking Practitioner.

After many years of education and research, Tom created the Bulletproof Wealth® strategy to help others protect their income and grow wealth. The secret to his strategy is teaching people to use money like banks do to earn much higher rates of return than the average investor!

In this episode, Tom discusses how banks make money and how life insurance can be a better way to save money and protect your family at the same time. He explains that by using a convertible term policy, which is a specially designed policy that allows you to lock in your health and qualify for life insurance now. To learn more about Tom, listeners can visit his website at Bulletproof Wealth!

[00:01 - 01:24] Opening Segment

• Tom talks about how he transitioned into financial planning after experiencing partial hearing loss and learned about savings in life insurance to use a bank

[01:25 - 20:44] A Holistic Approach To Financial Planning

• He teaches others how to use banks to make money, primarily full-time real estate investors and W2 who invest part-time in real estate
• He talks about how he was defrauded by three financial and how one was the least aggressive
• How banks make money and how a deposit is considered an asset while a loan is considered an asset
• The key to making money through fractional reserve lending
• Lending through life insurance policies is a way to use your own money while still having the security of creditor and predator protection

[20:45 - 27:07] How To Make Money And Protect Your Family

• Banks make money by charging interest, and life insurance companies can charge a very minimal fee for the use of their money
• A life insurance line of credit allows you to have your money working for you at two places at once
• By using a convertible term policy, you can lock in your health and qualification for life insurance now, and then switch to a banking-style policy when you're ready
• The strategy of using your own money, combined with high returns on investment

[27:08 - 32:48] Closing Segment

• Tom discusses his teaching style and how it can be applied to real estate investing
• Tom shares where you can get in contact with him (links below)

Quote/s:

"I don't want to blow people's minds on this, but I want people to understand that banks are making way more returns than anybody realizes. And all I'm doing is helping people position their capital so that they can make returns like banks." – Tom Laune

You can connect with Tom through:

Website: Bulletproof Wealth

Facebook: Bulletproof Wealth

LinkedIn: Tom Laune

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Hemal Badiani is the Chief Executive Officer at Exponential Equity. Hemal is responsible for the overall strategy and vision at exponential equity and ensuring that it aligns with the mission of the company to transform lives through real estate. As CEO, Hemal leads the firm's growth strategy into new markets and new asset classes. He is also accountable for the hiring and marketing strategy for the firm. Prior to establishing Exponential Equity, Hemal provided management consulting services to several fortune 100 companies across three continents while creating a portfolio of businesses that he scaled and exited including an outsourcing company, a private lending firm, and a residential real estate firm.

In this episode, Hemal discusses how he has learned to take steps back and focus on what's important in order to grow and succeed. He recommends solo weekends to disconnect from the world, and books, journaling to reflect on your life, and spending time in a café or other social activities to connect with others. By focusing on what's important, Hemal has been able to achieve success in his career and live a happy life. He talks about how taking a step back and focusing on self-care has helped to shift her mindset and be more successful. To learn more about Hemal, listeners can visit his website at Exponential Equity!

[00:01 - 03:15] Opening Segment

• Hemal discusses how taking a step back and listening to the higher intellect has helped him grow successful
• He recommends solo weekends to slow down and think through times, as well as social media breaks

[03:16 - 06:46] Taking A Step Back Can Lead To A Shift In Perspective

• Regular meditation practices can help to take a backseat and allow for more peace and focus in the morning

• Solo weekends can be a great time to focus on yourself and do things that are regenerative, such as journaling and goal setting

• Taking a step back after leaving a job can lead to more success in business

[06:47 - 10:24] Closing Segment

• Hemal shares how slowing down helped her introspect and gain insights into her mindset and real estate investments

• Hemal shares where you can get in contact with him (links below)

Quote/s:

"A lot of people talk about hustle and discipline and working really, really hard, and you can do that with incremental actions, but your real jumps in careers and productivity and growth and success. In my humble opinion comes from when you take a step back." – Hemal Badiani

You can connect with Hemal through his:

Website: Exponential Equity

WANT TO LEARN MORE?

Connect with me through LinkedIn

Or send me an email at [email protected]

Visit my website www.luxe-cap.com or my YouTube channel

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Keeley Hubbard is a real estate and agriculture investor and syndicator, as well as a sales coach for women business owners. Throughout her career, her primary focus has always been helping others achieve their financial life goals. Keeley's desire to help people started at a young age and continued through the years as she graduated from TCU and pursued a career in financial education. She spent 7 years in this industry as an Executive and her passion for people and skilled communication drove unprecedented growth. As a Managing Partner of Hubbard Capital Group, Keeley is dually responsible for acquisitions and investor relations. Integrity, exceptional communication, and delivering results to investors are at the core of every decision she makes.

In this episode, Keeley discusses the importance of self-reflection and dreaming big. She shares her strategies for creating passive income streams, including social media, online courses, and more. She believes that every investor needs to have some type of hard asset in their portfolio, as markets are becoming increasingly unstable. She believes that vineyards are a great investment because they are a crop that you can replant, and have a return on investment for 25 years or more. Crop insurance is necessary in case something catastrophic happens, such as a tornado, and the company has a contingency fund set aside for replantation. She shares that Real Estate Busters is an agricultural investment company that focuses on vineyards, timber, and other agricultural investments. To learn more about Keeley, listeners can visit his website at Hubbard Capital Group!

[00:01 - 03:09] Opening Segment

• Keeley is a real estate investor and entrepreneur who has worked with her father in vineyards for the last few years
• She shares her passion for real estate investing which led her to leave her successful corporate career behind to work with her father

[03:10 - 21:55] Diversifying Your Portfolio By Investing In The Agricultural Space

• She discusses the 25-year passive return aspect of investing in vineyards, noting that this is a big draw for investors

• She discusses the appeal of vineyards as an investment, citing the long-term returns and the fact that there is a once-in-a-lifetime opportunity to fill the supply gap in Texas

• She shares her experience running an agricultural business with her father, and how they've learned to communicate and work together effectively

• Investors are increasingly looking for ways to have more control over their finances in an uncertain market, and real estate is a great way to achieve this

[21:56 - 27:14] Closing Segment

• Keeley emphasizes the importance of having true diversifications in one's portfolio, and how agricultural investments are not as lucrative as wine sales

• Keeley shares where you can get in contact with her (links below)

Quote/s:

"I don't feel like one is ever better than the other. The best portfolio is going to have that diversity inside of it within hard assets. So, I think every investment has a place." – Keeley Hubbard

You can connect with Keeley through her:

Website: Hubbard Capital Group

Instagram: Keeley Hubbard

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Or send me an email at [email protected]

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Isaac Weinberger is the Regional Sales Manager at Madison SPECS. He is an expert on wealth building and cost segregation. As a kid, he always had an entrepreneurial personality which led him to open up a massive lawn-mowing operation. From there, he moved and eventually moved on to manage Marcy's, a high-end clothing retailer. Many of his friends advised him to enter the real estate space which led him to Madison SPECS. His experience has allowed him the opportunity to meet many amazing people in the real estate space.

In this episode, Isaac discusses his background and expertise in real estate investing, cost segregation, and network building. He shares his story of how he came to this area of expertise, and how cost segregation enables him to connect with many different types of real estate investors. He discusses the importance of having a passion for real estate and being able to connect with other people in this industry in order to maximize your potential for success. To learn more about Isaac, listeners can visit his website at Madison SPECS!

[00:01 - 02:20] Opening Segment

• Isaac talks about how cost segregation can be a key part of syndication success, and how his job at Madison SPECS allows him to meet many different people in the real estate space

[02:21 - 23:35] Lower Your Taxes With Cost-Segregation

• Purchasing an investment property enables you to be eligible for basic standard depreciation which dictates that your property will come back to you in tax write-off every year

• Cost segregation is depreciation on steroids, where you can take your depreciation on faster cycles

• Certain companies offer higher percentages in their tax deductions, but when they do, they run the risk of an audit

• Industrial office buildings and mobile home parks all tend to offer lower percentages than single-family homes or multifamily

• There is a big range in costs for property, with structures, landscaping, and carpet flooring typically costing more than mobile homes and car washes

• Costs can vary depending on the type of asset and can be higher for multi-unit properties

• How a "Look Back Study" retroactively works to get back your money bonus depreciation

[23:36 - 29:37] Closing Segment

• Isaac emphasizes that cost segregation is a technique real estate investors can use to lower their taxes

• Isaac shares where you can get in contact with him (links below)

Quote/s:

"If we go into a property and we identify 20%, usually a multi-family, sometimes more of your purchase price, that is five- and 15-year property, you can take that all in year one.

And that will produce more cash flow by having bigger tax write-offs. And now that you have more cash, you can reinvest that in other assets." – Isaac Weinberger

You can connect with Isaac through his: Website: Madison SPECS

LinkedIn: Isaac Weinberger

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Or send me an email at [email protected]

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Steffany is originally from Brazil and moved to Silicon Valley 20 years ago, where she had a successful career in tech sales, and for the past three years, Steffany has decided to focus on commercial real estate investing after receiving inspiration from sophisticated real estate investors. She has invested in three different asset classes since then and has achieved 36% cash-on-cash returns.

In this episode, Steffany shares her story about how taking Landmark's classes after the death of her husband has helped her to change her mindset and look at problems and situations in a different way. She teaches listeners how to approach life with a positive mindset, even when things don't go as planned. She emphasizes the importance of using language correctly and advises listeners to attend one of Landmark's workshops if listeners want to learn more. To learn more about Steffany, listeners can visit his website at Monte Carlo REI!

[00:01 - 01:53] Opening Segment

• Steffany shares her experience with Landmark Forum, which is a self-improvement course similar to Tony Robbins

[01:54 - 08:10] Learning How To Have Difficult Conversations And Create Positive Relationships

• Her course teaches that problems are just situations and that by taking the perspective of "What's happening," you can fix them

• The change in perspective has helped her approach life with a more positive attitude, removing negative emotions from her daily life

• Landmark helps people to have difficult conversations and clear up misunderstandings

• The focus is on teaching people how to have conversations, not just during the intro weekend, but throughout their life

[08:11 - 10:53] Closing Segment

• Steffany recommends listeners reflect on what they truly desire in life and then take action to move closer to achieving it

• Steffany shares where you can get in contact with her (links below)

Quote/s:

"A problem is not really a problem, it's just a situation. So instead of being upset or angry or, "Why is this happening to me?" You just take the perspective of, "Okay, this is what's happening, what do I need to do?" – Steffany Boldrini

You can connect with Steffany through her:

Website: Monte Carlo REI

LinkedIn: Steffany Boldrini

Podcast: Commercial Real Estate Investing From A-Z

WANT TO LEARN MORE?

Connect with me through LinkedIn

Or send me an email at [email protected]

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Bryan Underwood is the founding principal of Responsible Residential ("RR") and president of Responsible Real Estate, Inc. ("RRE"), a San Diego-based real estate investment company. Mr. Underwood started RR & RRE after spending more than ten years in his family business, A-1 Self-Storage/Caster Properties, Inc. Responsible Residential is a San Diego-based residential development company focused on middle-income housing.

In this episode, Bryan Underwood discusses his background and how he got into real estate, sharing that he was motivated to learn more about the industry after asking himself a question about how to value land and assets. To learn more about Bryan, listeners can visit his website!

[00:01 - 01:39] Opening Segment

• Bryan shares his story of how he got into real estate and how he developed his skills
• He is currently developing housing townhomes and multi-family in urban environments, as well as syndications

[01:40 - 26:18] Working With A Team Of Professionals Who Will Work On Your Behalf

• He talks about how he took a step back from the family business and replaced the "ultimate security" of no potential with unlimited risk but unlimited potential
• Finding development opportunities in residential development and began to build a team to pursue those opportunities
• Building a community in North Park, San Diego, and his plans to build more communities in California
• The risks in replacing construction loans as a home builder
• He discusses how the team is opening up their investments to outside investors, and how this will allow them to do more projects faster and with a larger investor base
• How real estate is one of the best ways to build generational wealth
• He believes that everyone should be invested in real estate, as it has historically been one of the best ways to build wealth

[26:19 - 33:19] Closing Segment

• Bryan advises listeners that real estate is an exciting and complex field, and it can be helpful to have a team of professionals working on your behalf
• Bryan shares where you can get in contact with him (links below)

Quote/s:

"I am on a mission in life to only do business with good people. And so, while it's not bulletproofed, I go the extra mile of making sure this is somebody I want to be associated with." – Bryan Underwood

You can connect with Bryan through his:

Website: https://www.investwithbryan.com/join

Facebook: Bryan Underwood

Twitter: @bwood

LinkedIn: Bryan Underwood

Instagram: Bryan Underwood

WANT TO LEARN MORE?

Connect with me through LinkedIn

Or send me an email at [email protected]

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If you liked my show, LEAVE A 5-STAR REVIEW, like, and subscribe!

Garett Sutton is an attorney, best-selling author, and one of Robert Kiyosaki's Rich Dad Advisors. Garrett has over thirty-five years of experience in assisting individuals and businesses to limit their liability, protect their assets, implement advantageous corporate structures and advance their financial goals. A clear and engaging writer, Garrett authors various books that demystify legal topics and presents them in an understandable and accessible manner.

Garrett is the author of Start Your Own Corporation, Loopholes of Real Estate, Writing Winning Business Plans, Buying and Selling a Business, Run Your Own Corporation, The ABCs of Getting Out of Debt, Scam-Proof Your Assets, and his newest book, Veil Not Fail in the Rich Dad Advisor Series. Garrett is also the author of How to Use Limited Liability Companies and Limited Partnerships, Toxic Client, and Finance Your Own Business, which he co-authored with credit expert Gerri Detweiler.

Garrett is the owner and operator of Corporate Direct and Sutton Law Center, which since 1990 has provided clients from around the world with asset protection and corporate formation and maintenance services. Robert Kiyosaki, the best-selling author of Rich Dad, Poor Dad calls Garrett and Corporate Direct "the premiere source for asset protection strategies."

Garett attended Colorado College and the University of California at Berkeley, where he received a B.S. in Business Administration in 1975. He graduated with a J.D. in 1978 from Hastings Law, the University of California's law school in San Francisco. He has appeared in the Wall Street Journal, the New York Times, and various other publications. Garrett enjoys speaking on asset protection strategies and is a frequent lecturer for business groups and the Rich Dad Advisors educational series.

In this episode, Garrett Sutton discusses state filing fees and how they can protect your business from lawsuits. He recommends being realistic about the need for a meeting and having an attorney review your business to make sure you're following all the rules set forth by your state. He discusses the importance of having separate LLCs for business purposes, as well as other important rules to follow when setting up an LLC. He encourages listeners to reach out to him for help with asset protection, as his services are much more affordable than most. To learn more about Garrett, listeners can visit his website at Belrose Storage Group!

[00:01 - 05:33] Opening Segment

• Garrett discusses his new book, "Veil Not Fail"
• To maintain asset protection, real estate investors must annually file fees with their state, have a meeting, and follow other rules set by the state

[05:34 - 16:38] Protect Your Assets With An LLC

• You need to have a separate bank account for your LLC or corporation
• You can't run an LLC or Corporation through your personal account
• You must have a registered agent to accept service of process or a notice of a lawsuit
• The need to have a separate tax return for each entity you own
• A management company can be used to pay for health insurance premiums or to protect the corporation from lawsuits
• The many types of LLCs that can be used for asset protection
• It is easy to switch registered agents, and having multiple registered agents can be annoying

[16:39 - 21:18] Closing Segment

• Garrett encourages listeners to book a 15-minute call with him to discuss asset protection options
• Garrett shares where you can get in contact with him (links below)

Quote/s:

"You want the world to know that they're doing business with a corporation or an LLC on your checks, on your contracts, and on your business cards." – Garrett Sutton

You can connect with Garrett through his:

Website: Corporate Direct

Facebook: Corporate Direct

Twitter: Garrett Sutton

LinkedIn: Garrett Sutton

YouTube: Garrett Sutton

WANT TO LEARN MORE?

Connect with me through LinkedIn

Or send me an email at [email protected]

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With us today is Tom Dunkel, with a background in corporate finance and over 25 years of real estate and investment experience, Tom brings extensive experience to Belrose Storage Group. Taking the company from a start-up to a world-class organization, Tom has specialized in discounted asset opportunities nationwide since 2006. His financial savvy, open communicative manner, and integrity have seen him help alternative investors achieve their wealth-building goals. As a dedicated mentor to investors and entrepreneurs, Tom has also taught classes on real estate and mortgage note investment at the CAMA Academy along with Belrose Asset Management co-founder Joe Downs. A graduate of the University of Delaware, Tom earned his MBA at the College of William and Mary.

In this episode, Tom Dunkel discusses their background in corporate finance and why he transitioned into the real estate world. He tells us that 2006 was a pivotal year for him, as it was when he decided to go off on his own and pursue real estate investing full-time. He talks about some of the lessons he learned during those early years, including the importance of teamwork and the necessity of having the right people around you in order to achieve success. To learn more about Tom, listeners can visit his website at Belrose Storage Group!

[00:01 - 01:37] Opening Segment

• Tom discusses his background in corporate finance and how and why he transitioned into the real estate world
• He talks about the lessons he learned during the tough times he experiences when he first started out in real estate

[01:38 - 34:22] The Potential For Growth With Self-Storage Industry

• It is important to surround yourself with the right people and to have a team that is complimentary to your goals
• He reflects on his time as a distressed debtor, how he was able to turn that around and start their own real estate business
• He explains that a self-storage is a place where they have settled because it's a stable industry with good potential for growth
• Storage is a great asset because it is predictable and tax-advantaged
• Self-storage is becoming more popular, with facilities popping up in malls and other areas of commerce
• The current day environment is inflationary and interest rates are going up, which affects storage's profitability
• The company is conservative in its projections and avoids overlapping itself

[34:23 - 37:29] Closing Segment

• Tom advises listeners to take control of their financial destiny is key and he provides a helpful resource in the form of an eBook on his website
• Tom shares where you can get in contact with him (links below)

Quote/s:

"It's important for people to take control of their own financial destiny." – Tom Dunkel

You can connect with Tom through his:

Website: Belrose Storage Group

Facebook: Belrose Storage Group

LinkedIn: Tom Dunkel

WANT TO LEARN MORE?

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Or send me an email at [email protected]

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Today on the show, we welcome back Hemal Badiani, Hemal Badiani is the Chief Executive Officer at Exponential Equity. Hemal is responsible for the overall strategy and vision at exponential equity and ensuring that it aligns with the mission of the company to transform lives through real estate. As CEO, Hemal leads the firm's growth strategy into new markets and new asset classes. He is also accountable for the hiring and marketing strategies of the firm. Prior to establishing Exponential Equity, Hemal provided management consulting services to several Fortune 100 companies across three continents while creating a portfolio of businesses that he scaled and exited, including an outsourcing company, a private lending firm, and a residential real estate firm.

In this episode, Hemal Badiani talks about how to stay disciplined in our real estate investments during these tough market conditions. He discusses how to diversify our portfolios to protect ourselves from any potential market volatility. To learn more about Heather, listeners can visit his website at Exponential Equity!

[00:01 - 07:05] Opening Segment

• Hemal talks about his journey into real estate investing
• He advises investors to be disciplined and think differently when it comes to their investments, especially in this market

[07:06 - 24:19] Diversifying Long-Term Investments Into High-Growth Areas

• Stay within the budget and look for good deals that will make a good return for his investors
• His company focuses on staying disciplined when buying properties and developing them into multifamily or built-to-rent communities in areas of opportunity, with the goal of holding onto assets for a long period of time
• See that spaces fit well into the current real estate market
• Raising extra money and making sure to have interest reserves built into it
• Real estate is a long-term investment and should be diversified into high-growth areas
• The market cycle variation at this state should not matter provided the investor buys right

[24:20 - 40:20] Closing Segment

• Hemal discusses how the company has grown by working with local government bodies to solve the affordable housing crisis
• Hemal shares where you can get in contact with him (links below)

Quote/s:

"We want to be the smaller fish and kind of place the bets there as well. So, having that smartness and local's knowledge and discipline that allows us to really command the submarket." – Hemal Badiani

You can connect with Hemal through his:

Website: Exponential Equity

WANT TO LEARN MORE?

Connect with me through LinkedIn

Or send me an email at [email protected]

Visit my website www.luxe-cap.com or my YouTube channel

Thanks for tuning in!

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With us today is Whitney Elkins-Hutten, Whitney Elkins-Hutten is the Director of Investor Education at PassiveInvesting.com and a partner in $700MM+ in real estate — including over 5000+ residential units (MF, MHP, SFR, and assisted living ) and more than 1400+ self-storage units across 8 states—and experience flipping over $3.0MM in residential real estate.

In this episode, Whitney Elkins-Hutten discusses her car wash business model and how it revolves around helping investors create multiple streams of income. She mentions that car washes are a good example because the margins are healthy and people generally take care of their cars anyway. She adds that subscriptions are more expensive when the customer needs to use the service in a given month, but the monthly cost is worth it compared to other expenses. To learn more about Heather, listeners can visit his website at PassiveInvesting.com!

[00:01 - 03:23] Opening Segment

• Whitney shares her experience in real estate syndications and car washes
• She points out that car washes as an opportunity to help investors diversify their portfolios and build a vertically integrated management company

[03:24 - 06:38] The Opportunity For Car Wash Subscriptions

• Mom-and-pop investors own most car washes and there is no sizeable institutional player in the space
• The company plans to consolidate management of chemical companies into regional and local levels, which allows them to bulk purchase chemicals and work more straightforwardly with distributors
• While car washes are expensive when accessed ad hoc, subscriptions provide a more affordable option for those who were their cars regularly
• Car wash is appropriate for accredited investors, and the company is targeting southeastern states for its assets
• She plans to buy majority stakes in its properties and aims to have full control over them so it can preserve capital and cash flow
• The car wash industry is expected to experience growth in the coming years
• Multifamily real estate has the highest apex of the three asset classes

[06:39 - 11:53] Closing Segment

• Whitney shares that cash flows for the car wash industry business are projected to be higher than both self-storage and multifamily
• She shares her research on the car wash industry, including analysis of rental companies and acquisition strategies
• Heather shares where you can get in contact with her (links below)

Quote/s:

"We're talking about a business and not just commercial real estate. We're looking to move the rent in this case is a subscription to market pricing, that hasn't been done with the majority of these car washes. A lot of them don't actually have subscription models on them." – Whitney Elkins-Hutten

You can connect with Whitney through her:

Website: PassiveInvesting.com

LinkedIn: Whitney Elkins-Hutten

WANT TO LEARN MORE?

Connect with me through LinkedIn

Or send me an email at [email protected]

Visit my website www.luxe-cap.com or my YouTube channel

Thanks for tuning in!

If you liked my show, LEAVE A 5-STAR REVIEW, like, and subscribe!