Clayton Hepler Joins the Passive Cash Flow Podcast to discuss how he helps people use a whole life insurance policy as a tool to build retirement savings, wealth and to fund lucrative investments such as real estate. Life insurance is not just about securing your family’s future in the event of death but also can be used similar to an IRA but without the negative tax consequences of pulling out money early. With specific whole life insurance policy’s, one can structure the policy to grow in value over time so the value of the policy is greater than the money you put in. Not only do you get a death benefit, but this can also work as a retirement account because you can borrow against this policy tax free while the principal grows in value. In fact, it is free to borrow against this policy as the expected principal growth is greater than the interest on the loan so it is essentially interest free money. Listen to this episode to learn how wealthy people use this tax trick to grow their wealth tax free and protect their family long term.

Clay Hepler is a fiancé, multifamily investor, serial entrepreneur, podcast host, and cashflow specialist.

He scaled his family’s chocolate company from 2 states to 42 in 18 months and set the foundation to have a partnership with Geoffrey Zakarian, the Iron Chef from Chopped the TV Show and owner of many successful restaurants across America.

It was during that time that he first learned about the Capital Leverage Strategy when his centimillionaire mentor told him about how he used life insurance as a place to warehouse his family’s capital.

From that time on, Clay was obsessed with the mindset, methods and manners of the ultra wealthy. He has used this strategy in his own life and now helps entrepreneurs, high performers and real estate investors implement the Capital Leverage Strategy in their own life to create, protect and multiply more of their cashflow and get to financial freedom and abundance faster.

He has purchased 13 multifamily units and one luxury multi million dollar short term rental in a little over 15 months using all of his own money at the age of 25.

00:00 Intro
02:54 Infinite banking & How to Use Life Insurance to Fund Real Estate with Clayton Hepler
05:25 Finding good help
11:33 Infinite banking
17:57 Compound interest vs simple interest
21:59 Investment cap
24:01 variable life insurance
31:20 Closing thoughts

This is not a solicitation for funds, tax advice, or legal advice. This is not intended to be, and must not be construed to be in any form or manner a solicitation of investment funds or a securities offering. Peoples Capital Group LLC is NOT a United States Securities Dealer or Broker nor U. S. Investment Adviser is a Consultant/service provider and makes no warranties or representations as to the listener or viewer. All due diligence is the responsibility of the investor.

Aaron Fragnito

Aaron Fragnito

Aaron has been helping people invest in Real Estate for over 10 years. He is a Co-Founder of Peoples Capital Group (PCG) a real estate investment and holding company. He is a full time real estate investor, as well as, the host of the New Jersey Real Estate Network and host of the Passive Cash Flow Podcast. Aaron has previously completed over 100 real estate transactions as a realtor and another 150 transactions in his current role as a real estate investor.

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