In today's episode of The Truly Diversified Show, Ben challenges a common assumption many investors make about their retirement accounts: that their only options for growth are tied to the stock market.

While most people diligently track whether their 401(k), 403(b), or IRA balances go up or down, Ben suggests that few truly understand what their money is invested in—or realize that they have other options entirely. He outlines the similarities between traditional retirement accounts and explains how they're often limited to mutual funds, stocks, and bonds managed by custodians like Fidelity or Schwab.

You'll discover the concept of self-directed IRAs as a powerful but underutilized tool for achieving true diversification. Unlike traditional accounts, self-directed IRAs allow individuals to invest in non-market-based assets such as real estate and life settlements. He dispels the myth that investors are locked into Wall Street products, explaining how thousands of people are now rolling over their retirement funds into these alternative structures to hedge against market volatility, geopolitical uncertainty, and inflation. Through real-world examples, including one involving a client named John Smith, Ben illustrates how this approach can offer more stability and long-term potential.

The message of this episode is clear: you’re not stuck with the market, and true diversification means exploring what lies beyond it. Want to take control of your retirement? Learn how to roll your funds into a self-directed IRA—and start investing in what you understand. Connect with us at Life Asset, LLC to get started.

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

Enjoy!

Key takeaways:

• The common types of retirement accounts: 401(k), 403(b), and TSP, and their differences based on employment.

• Why people often only look at the performance of their retirement accounts without understanding their investments.

• The concept of self-directed IRAs, which allow investments outside the stock market.

• Why the idea that an IRA must be invested in the stock market is a myth.

• How self-directed IRAs can be used for investments like real estate or life settlements.

• And much more...

Resources:

Connect with Ben on LinkedIn

Life Asset LLC

Life Asset’s Email

Life Asset’s LinkTree

Contact Life Asset at (800) 410-1306

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...

In today's episode of The Truly Diversified Show, Ben explores a lesser-known financial strategy that sidesteps the volatility of traditional stock market investing: Life Settlements.

As market fluctuations continue to rattle portfolios and retirement plans, the discussion looks at a powerful but often overlooked option that’s gaining traction among savvy investors, including some of the world’s wealthiest names. Ben reflects on how education, access, and diversification are changing the investment landscape, particularly for those seeking stability and strong returns without exposure to market swings.

You'll be taken behind the scenes of real-life case studies where investors have reaped double-digit returns, all while avoiding the risks and emotional rollercoaster of market-based assets. The discussion outlines the mechanics of the investment itself, its historical exclusivity, and how it’s gradually become available to everyday investors. Importantly, you'll discover that this strategy isn’t about selling your own policies, but about learning how to become an investor in a market once reserved for the ultra-wealthy.

If you’re ready to look beyond the familiar and explore options built to weather economic storms, this is a conversation worth tuning into. Curious how to invest in life settlements? Reach out via the show site or drop us a DM—we’re happy to chat.

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

Enjoy!

Key takeaways:

• The concept of life settlements, an investment where individuals sell their permanent life insurance policies to investors.

• The financial benefits of selling a life insurance policy, including the ability to receive a lump sum of money.

• Real-life examples of life settlement payouts, as well as the consistency and reliability of these returns, which are not affected by stock market fluctuations.

• Why the involvement of top-rated insurance companies in life settlements ensures the reliability of payouts.

• And much more...

Resources:

Connect with Ben on LinkedIn

Life Asset LLC

Life Asset’s Email

Life Asset’s LinkTree

Contact Life Asset at (800) 410-1306

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 explores the complex world of annuities, often misunderstood financial products that generate strong opinions both for and against them.

You'll gain insights into the various types of annuities, from single premium immediate annuities to fixed indexed annuities, and debunk common myths surrounding their risks and rewards. While some people benefit from these products in specific scenarios, Ben outlines the danger of generalized views, highlighting the hidden pitfalls of certain annuities, such as misleading sales tactics and unrealistic expectations of returns.

The discussion also takes a critical look at how annuities are marketed, calling attention to the flaws in the industry's sales tactics. Learn why, despite the guarantees that often come with annuities, the costs and complexities involved can leave consumers feeling misled. Ben explores alternatives to traditional annuities, like life settlements, a strategy used by the ultra-wealthy to secure double-digit returns with minimal risk.

This episode stresses the importance of fully understanding the products being sold and making informed decisions based on one's financial goals.

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

Enjoy!

Key takeaways:

• The concept of Single Premium Immediate Annuities (SPIAs), and why they're rarely sold.

• The potential for significant losses in variable annuities, especially if the market performs poorly.

• The tax benefits of Multiple Year Guaranteed Annuities (MYGAs), including the ability to exchange money into another annuity without immediate taxation.

• The importance of working with experts who understand the complexities of annuities, to avoid the danger of being sold products that don't provide promised benefits.

• The potential for alternative investments to offer better returns and more flexibility than traditional annuities.

• And much more...

Resources:

Connect with Ben on LinkedIn

Life Asset LLC

Life Asset’s Email

Life Asset’s LinkTree

Contact Life Asset at (800) 410-1306

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.