How much of your portfolio should go into life settlements and other alternative investments?

In this episode of Truly Diversified, retirement strategist Ben Mohr breaks down his simple and effective 70/20/10 rule for smart portfolio allocation. He explains why most investors are overexposed to the stock market, how to think differently about diversification, and where alternative assets like life settlements fit into the bigger picture.

You’ll learn how to balance market opportunities with predictable income streams, and how even 5–10% of your portfolio in life settlements can deliver competitive returns—without stock market risk or outside influences from politics, inflation, or global events.

[00:00] – The question every investor asks: “How much should I invest?”

[00:00:45] – Why alternatives make people nervous and why they shouldn’t

[00:01:21] – How traditional advisors make money through AUM fees

[00:02:00] – What “decent returns without stock market risk” really means

[00:03:49] – Why diversification inside the market isn’t true diversification

[00:04:54] – The 70/20/10 rule: market, safe money, and alternatives

[00:06:00] – What a safe money bucket looks like and the only annuity Ben recommends

[00:08:00] – Turning part of your IRA into a personal pension plan

[00:11:13] – Why safe money isn’t sexy but helps you sleep at night

[00:11:50] – The 10% alternative bucket: life settlements explained

[00:12:57] – Real payout examples: 10%, 12%, and 20% APRs from life settlements

[00:14:20] – Why Ben starts clients at just 5% and never takes more than 10% total

[00:16:00] – The key question: “Where is your worst-performing 10%?”

• Equity Life LLC payout case study (20% APR)
• Rule of 72 for compounding returns
• Fixed Indexed Annuity with Income Rider explanation

• Book a call to speak with Ben: https://rebrand.ly/life-asset-consult 
• Watch our webinar (no opt-in): https://rebrand.ly/ben-mohr-56b45e 
• Grab our ebook here (no opt-in): https://rebrand.ly/life-asset-ebook 

Truly Diversified is an original podcast brought to you by Ben Mohr and Podcast Your Brand. Production and editing by Podcast Your Brand.

What really happens if everyone lives to 150 or if your insurance carrier suddenly disappears?

In this episode of Truly Diversified, retirement strategist Ben Mohr takes on two of the most common (and misunderstood) questions he hears at investor dinners: longevity risk and carrier stability. Drawing on decades of experience in the life settlements industry, Ben explains why both fears are statistically unrealistic and how data, history, and logic prove it.

He walks listeners through real-world probabilities versus possibilities, how A-rated insurance carriers like New York Life are financially stronger than most major banks, and why the “what if” scenarios that worry new investors rarely play out in reality.

If you’ve ever wondered how life settlements really work behind the scenes, this episode clears the air. Press play now to hear Ben’s straightforward answers to the most common fears about life settlements and find out why probability, not possibility, drives real investment success.

[00:00] – What a life settlement is—and why Warren Buffett buys them

[00:02:30] – The dinner seminar that sparked this conversation

[00:03:50] – “What if everyone lives to 150?” The truth behind longevity risk

[00:05:20] – Why unhealthy policyholders change the math entirely

[00:07:00] – Understanding probabilities versus possibilities in investing

[00:10:00] – Real data: hundreds of policies, zero reaching age 100

[00:13:21] – The second big question: what if an insurance carrier fails?

[00:15:09] – How insurance companies make money (and why they’re so stable)

[00:16:40] – Why A-rated carriers like New York Life are worth more than big banks

[00:18:45] – If New York Life ever failed, your stock portfolio would already be crushed

[00:20:30] – Ben’s reassuring answer: what’s possible vs. what’s probable

• Life expectancy reports and medical underwriting
• New York Life
• U.S. Treasury bonds and corporate bond investments
• Historical data on insurance carrier stability
• 
  

• Book a call to speak with Ben: https://rebrand.ly/life-asset-consult 
• Watch our webinar (no opt-in): https://rebrand.ly/ben-mohr-56b45e 
• Grab our ebook here (no opt-in): https://rebrand.ly/life-asset-ebook
• 
  

Truly Diversified is an original podcast brought to you by Ben Mohr and Podcast Your Brand. Production and editing by Podcast Your Brand.

What if the “next big investment opportunity” in your feed is nothing more than a cleverly packaged scam?

In this episode of Truly Diversified, retirement strategist Ben Mohr exposes the alarming rise of fake investment companies on social media and the shocking claims they’re making to attract unsuspecting investors. From “crypto funds” promising 7% a month to “40-year track records” built on someone’s dad’s real estate license, Ben breaks down exactly how to spot a scam before it costs you your retirement savings.

He also reveals what a real proven track record looks like, shares red flags every investor should watch for, and explains why life settlements remain one of the few alternative investments with verifiable results and transparency.

Press play now to hear Ben’s unfiltered breakdown of the biggest social media scams and learn how to protect your portfolio from frauds posing as “alternative investments.”

• California Guaranteed Health and Life Association Act
• U.S. Treasury Notes & FDIC-insured CDs

• Book a call to speak with Ben: https://rebrand.ly/life-asset-consult 
• Watch our webinar (no opt-in): https://rebrand.ly/ben-mohr-56b45e 
• Grab our ebook here (no opt-in): https://rebrand.ly/life-asset-ebook
• 
  

Truly Diversified is an original podcast brought to you by Ben Mohr and Podcast Your Brand. Production and editing by Podcast Your Brand.

Is investing in life settlements really “too good to be true”?

In this episode of Truly Diversified, retirement strategist Ben Mohr tackles the #1 question skeptics ask: how is this even legal, and why haven’t I heard of it before? He breaks down exactly how life settlements work, why premiums drive policyholders to sell, and how average investors can now access a strategy once reserved for the ultra-wealthy.

Ben also explains the landmark Supreme Court ruling that makes it possible, the guardrails that protect investors, and why diversification across multiple policies is the real key to returns. If you’ve ever dismissed life settlements as a scam or myth, this episode will change how you see alternative investing forever.

Press play now to hear why life settlements aren’t “too good to be true” and how this overlooked strategy could change the way you think about investing.

• Supreme Court case Grigsby v. Russell (1911)
• Study by the London School of Business on life settlement returns
• Educational brochures, eBook, and webinar via Life Asset’s LinkTree
• 
  

• Book a call to speak with Ben: https://rebrand.ly/life-asset-consult 
• Watch our webinar (no opt-in): https://rebrand.ly/ben-mohr-56b45e 
• Grab our ebook here (no opt-in): https://rebrand.ly/life-asset-ebook
• 
  

Truly Diversified is an original podcast brought to you by Ben Mohr and Podcast Your Brand. Production and editing by Podcast Your Brand.

How do you really know if a life settlement is a solid investment… or a ticking time bomb?

In this episode of Truly Diversified, retirement strategist Ben Mohr pulls back the curtain on one of the most misunderstood parts of life settlements: life expectancy reports. These detailed medical reviews are the backbone of every policy purchase, yet most investors have no idea how they work or why they matter so much.

Ben walks you through the science, the screening, and the surprising insights that determine whether a policy makes the cut. If you’ve ever wondered how professionals forecast outcomes with such precision, this is the episode you cannot miss.

Listen now to avoid costly mistakes, gain insider knowledge, and discover the exclusive process the ultra-wealthy have relied on for decades but almost nobody talks about.

• Educational brochures, eBook, and webinar via Life Asset’s LinkTree

• Book a call to speak with Ben: https://rebrand.ly/life-asset-consult 
• Watch our webinar (no opt-in): https://rebrand.ly/ben-mohr-56b45e 
• Grab our ebook here (no opt-in): https://rebrand.ly/life-asset-ebook 

Truly Diversified is an original podcast brought to you by Ben Mohr and Podcast Your Brand. Production and editing by Podcast Your Brand.

In today's episode of The Truly Diversified Show, Ben is joined by Kimberly Ann Flynn, President of XA Investments, to discuss a timely and often misunderstood corner of the financial world: hedge funds. 

You'll learn how hedge funds have evolved over the years, and why they are becoming more accessible to a wider range of investors. Hear about a foundational understanding of their purpose, providing potential for higher returns while managing risk, as well as how they fit into the broader spectrum of alternative investments.

Ben and Kimberly also explore recent regulatory changes that could open the door for average investors to access strategies that were once reserved for large institutions. This shift in the retirement planning landscape leads to a vital question: is giving more people access a positive step toward true diversification, or does it introduce unnecessary risk? Learn the potential benefits against the criticisms, as well as how these new opportunities might impact 401(k)s, long-term savings, and retirement planning strategies in the years ahead.

With practical insights from Kimberly’s work at XA Investments, this episode provides a clearer picture of how these strategies could fit into your own financial journey, as well as the mindset shifts required to approach them wisely.

Want to know if hedge funds deserve a spot in your portfolio? Tune in for a clear look at the risks and rewards. If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today! 

Enjoy!

Key takeaways:

• The various strategies used by hedge funds, including equity and credit-focused hedge funds, which aim to deliver more return with less risk.

• How the SEC and the Trump administration have made it easier for Americans to invest in private equity and other alternatives through retirement accounts.

• The need for the industry to invest in technology to incorporate alternative investments into 401(k) plans.

• The importance of financial advisors, wealth managers, and tax planners in guiding investors through complex financial products.

• And much more...

Guest Bio:

Kimberly Ann Flynn is President and Partner at XA Investments, where she leads product and business development, overseeing the firm’s proprietary fund platform and consulting practice. A recognized expert in closed-end fund product development, she frequently speaks at industry events and contributes to media on topics including interval funds and alternative investments. Previously, she was Senior Vice President and Head of Product Development for Nuveen Investments’ Global Structured Products Group, where she launched over 40 closed-end funds and helped raise \$13 billion in capital. Kim began her career in Morgan Stanley’s Investment Banking Division before earning her MBA from Harvard Business School as a William J. Carey scholar. She holds the CFA designation and is active in several professional and nonprofit leadership roles.

Resources:

Kimberly's LinkedIn

XA Investments

Life Asset, LLC

Disclaimer: 

The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of The Truly Diversified Show or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their situation. By accessing this podcast, you acknowledge that any reliance on the content is at your own risk.

In today's episode of The Truly Diversified Show, Ben turns to one of the most common, not to mention costly, missteps people make as they approach retirement.

While the topic of annuities might not impact you immediately, it provides an important cautionary tale and valuable insight into financial products that are often misunderstood, misrepresented, or overhyped. The focus here is on understanding the promises and pitfalls behind this widely sold tool, and why so many pre-retirees end up regretting their decision.

You'll hear a breakdown of how these products are typically marketed, what they actually provide, and the realities of their performance over time. The discussion explores why they can seem attractive, particularly the safety and guarantees they appear to offer, while also highlighting the limits, restrictions, and potential frustrations that accompany them. Along the way, it addresses why people often feel trapped once they’ve signed on and how the incentives for those selling these products can work against the buyer’s best interests.

If you're considering using these financial tools, or are already committed and questioning your decision, this episode offers a blend of caution, clarity, and hope for better options. Thinking about an annuity? Learn the hidden costs most salespeople won’t tell you.

If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today! 

Enjoy!

Key takeaways:

• Why annuities are often considered controversial, including the lack of experience and ethics among many salespeople. 

• The concept of fixed indexed annuities (FIA), a product from insurance companies that offer guarantees, and how they differ from variable annuities.

• The common misconceptions and risks of annuities, including overhyped promises of high returns and lack of losses, creating unrealistic expectations.

• Surrender periods for annuities, from 10 to 15 years, and the high penalties associated with early withdrawal. 

• Life settlements as an alternative to annuities and their potential for higher returns.

• And much more...

Resources:

Life Asset, LLC

Disclaimer: 

The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of The Truly Diversified Show or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their situation. By accessing this podcast, you acknowledge that any reliance on the content is at your own risk.

In today's episode of The Truly Diversified Show, Ben is joined by CPA and financial advisor Jim Yostrum for a timely discussion about major tax legislation that has recently taken effect. 

While politics often frame such bills as either the “best” or “worst” law ever, the discussion strips away the rhetoric to focus strictly on what the changes mean for individuals, families, and business owners. The goal is to provide clarity on how the new rules can impact your financial life, regardless of political leanings.

You'll learn about several key provisions in the bill that affect taxpayers directly. Among the most notable are the permanent extension of certain 2017 tax cuts, including lower tax brackets and the 20% deduction for pass-through businesses such as S corporations, LLCs, and sole proprietorships. 

Additional measures, such as partial tax exemptions on overtime pay, certain tips, and Social Security income, are explained in plain language, helping you understand both the benefits and limitations of each. These insights clarify common misconceptions while also pointing out where the bill provides real advantages.

Want to know which new deductions could save you thousands this year? Tune in to find out what most people are overlooking.

If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today! 

Enjoy!

Key takeaways:

• The confusion surrounding the recent tax bill concerning alternative investments, particularly the conflicting information from different political perspectives.

• How the bill codifies the 2017 Trump Tax Act, making many provisions permanent, including the 20% automatic write-off for S corporations, LLCs, and Schedule C reporting entities.

• The misconception that overtime pay is entirely tax-free, when in reality only the overtime premium is tax-free.

• The bill's significant benefit for Social Security recipients over 65, with married couples receiving an additional $12,000 standard deduction.

• The benefits of having the choice to reinvest in one's own business or explore alternative investment opportunities.

• And much more...

Guest Bio:

James Yostrum, CPA, CMA, CGMA, MBA, is the President of MZ Business Services LLC and brings over 40 years of experience in financial, operational, purchasing, and human resources leadership across diverse industries, including manufacturing, service, and wholesale. He has played key roles in numerous successful operational and financial turnarounds. James holds an MBA and is a Certified Public Accountant, Certified Management Accountant, Chartered Global Management Accountant, and Certified QuickBooks Pro Advisor. In addition to leading MZ Business Services, he operates two thriving businesses—one focused on financial and operational consulting, and the other on real estate development—demonstrating a strong track record of strategic insight and entrepreneurial success.

Resources:

Life Asset, LLC

Disclaimer: 

The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of The Truly Diversified Show or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their situation. By accessing this podcast, you acknowledge that any reliance on the content is at your own risk.

In today's episode of The Truly Diversified Show, Ben breaks down key strategies that many people overlook when it comes to maximizing the potential of their retirement accounts. 

He highlights the importance of consistent contributions and explains how different age brackets and marital status can affect contribution limits. These steps not only save taxes today but also set you up for stronger long-term growth and more control over your financial future. You'll hear about options for those who are self-employed or own a business, where the potential for larger contributions can significantly reduce tax burdens while fueling retirement savings. 

Ben addresses an often-missed opportunity for individuals over a certain age who want to move their money into more flexible vehicles, expanding investment options beyond the limitations of employer-sponsored plans. The conversation also covers a powerful approach for creating tax-free income in retirement, emphasizing how timing and tax planning can make all the difference. 

This episode will provide you with actionable insights to build stronger, more flexible retirement strategies. Don’t let these 3 IRA mistakes drain your retirement savings, and learn how to avoid them before it’s too late.

If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today! 

Enjoy!

Key takeaways:

• The tax benefits of IRA contributions, and how they can reduce taxable income and thus lower the amount paid to the IRS.

• The SEP IRA, which is ideal for self-employed individuals, business owners, and partners, and how it can significantly reduce taxable income.  

• The concept of in-service withdrawals, which allows individuals over 59 and a half to transfer money from their 401(k) or 403(b) plans to a tax-deferred IRA. 

• Why Roth conversions are particularly beneficial for those nearing a higher tax bracket, as they can help them avoid paying higher taxes on future earnings. 

• The danger of putting all retirement savings into safe, low-return investments like CDs.

• And much more...

Resources:

Life Asset, LLC

Disclaimer: 

The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of The Truly Diversified Show or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their situation. By accessing this podcast, you acknowledge that any reliance on the content is at your own risk.

In today's episode of The Truly Diversified Show, Ben is joined by Barry Neal, CEO of EquiLife LLC.

In this fascinating conversation, Ben and Barry discuss a unique investment space that many people still find confusing. Rather than relying on hypotheticals, they break down real numbers from recent cases to show how investors are seeing tangible results. With nearly $5 million in payouts this year, these strategies have delivered consistent, competitive returns that rival traditional investments.

Hear how these investments compare side by side with benchmarks like the S&P 500, with some outperforming the market while avoiding exposure to its volatility. Barry walks through three recent cases, revealing double-digit annualized returns, including one payout expected to surpass 20% APR. The discussion underscores how this approach has matured over the years, with a track record investors can now evaluate with confidence.

For those seeking ways to diversify beyond traditional equities and real estate, this episode provides a clear look at how an alternative path can offer meaningful, reliable growth opportunities. Want to grow beyond stocks and real estate? Learn how life settlements can add stability and double-digit returns to your portfolio.

If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today! 

Enjoy!

Key takeaways:

• The differences between life settlement returns and the current stock market, using the S&P 500 as a benchmark.

• The importance of diversification and the benefits of life settlements as an alternative investment. 

• The value of long-term investment strategies and the potential for significant returns.

• The impact of various market conditions on EquiLife's returns, and why they are not affected by short-term market fluctuations.

• The tax implications of life settlement returns, as well as why they are typically taxed as long-term capital gains, are the most favorable kind of tax treatment.

• And much more...

Resources:

Life Asset, LLC

Disclaimer: 

The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of The Truly Diversified Show or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their situation. By accessing this podcast, you acknowledge that any reliance on the content is at your own risk.