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.

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

During the conversation, Ben and Barry explore a unique investment strategy that revolves around providing financial solutions to individuals in their final stages of life. This approach offers an alternative to traditional investment avenues, particularly when the market is volatile. The discussion emphasizes how investors can step in to offer much-needed financial relief to those who are no longer able to maintain their long-term commitments.

You'll learn about the ethical and compassionate side of this investment model, addressing some of the common misconceptions about profiting from end-of-life situations. Barry explains how this process can provide a lifeline for individuals who no longer need their financial products, offering them a way to access immediate funds while also ensuring that investors can benefit from a competitive return.

This episode offers a glimpse into the returns and explains how this strategy can be a powerful tool for investors looking for an alternative to traditional market risks.

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

Enjoy!

In This Episode You'll Learn:

• The appeal of life settlements as an investment alternative, especially during market volatility.
• The importance of selecting insurance policies with beneficiaries who have signed off and are in worse than average health, which increases the value of the policy.
• Debunking the common misconception that life settlements involve profiting from someone's death.
• Why selecting policies with higher life expectancy reports offer better value for investors.
• The structure of a typical portfolio, and how different types of policies are bundled to create a balanced product for investors.
• 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 this episode of The Truly Diversified Show, Ben peels back the curtain on an often-overlooked aspect of wealth management, urging you to rethink what it really means to be diversified.

While many investors take comfort in familiar financial tools and professional guidance, you'll find a candid examination of whether those trusted sources are truly working in their best interest. It’s a conversation that challenges the conventional wisdom surrounding risk, returns, and the motivations behind the advice many receive.

You're invited to question the standard model of portfolio management, especially when markets dip and explanations sound more like rehearsed excuses than personalized strategies.

Through a blend of real-world examples and industry insights, Ben explores how seemingly tailored financial plans may actually follow a well-worn, one-size-fits-all path—often leaving individual investors exposed when the tides turn. There's an emphasis on understanding the full cost of financial guidance, beyond just the visible fees.

This episode focuses on uncovering lesser-known avenues that offer stability and solid returns without being tied to the whims of Wall Street. If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today! Enjoy!

In This Episode You'll Learn:

• The lack of accountability for financial advisors during market downturns, and why they can blame external factors like politics or economic changes.
• The hidden fees associated with mutual funds and other investments, such as expense ratios and additional charges.
• How financial advisors handle market downturns, often blaming external factors and encouraging clients to stay invested long-term.
• The three categories of investments: the risk bucket (stock market), the safe money bucket (CDs and annuities), and the alternative investment bucket.
• 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 looks at the turbulence of the current market, discussing the frequent fluctuations caused by political decisions and their impact on everyday investors.

You'll discover the importance of diversifying your investments to avoid being at the mercy of external forces, whether political, economic, or global. While many financial advisors push for traditional market-based strategies, Ben introduces a concept often overlooked: true diversification. This strategy focuses on securing a portion of your assets in places unaffected by the volatility of the market, providing a buffer against unpredictable shifts in policy or economic cycles.

Learn why it's best to avoid common financial traps like high-risk market investments and low-return savings options such as CDs and annuities, which may not outpace inflation. Discover the risks associated with relying solely on these approaches, which often fail to offer competitive returns. Instead, Ben suggests a more nuanced strategy that includes alternative investments, ones that promise competitive returns without the vulnerability to external influences.

This episode teases a deeper exploration into how this investment model works and why it's gaining attention among savvy investors.

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

Enjoy!

In This Episode You'll Learn:

• The impact of political moves on the market, leading to overcorrections and investor uncertainty.
• Why putting all your money in the market can lead to significant losses due to external forces like politics and tariffs.
• The role of inflation in eroding the value of safe investments like CDs and annuities.
• The benefits of life settlements, also known as “compassionate investing,” which offers competitive returns and insulation from market risks.
• 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 is joined by Ryan O'Toole, President of RMO Wealth and Insurance Solutions.

In this insightful conversation, Ben and Ryan explore an alternative approach to diversifying investments outside the stock market. With Wall Street’s volatility affecting retirement portfolios, the conversation dives into the role of annuities in providing safe, guaranteed income for retirement. Ryan, an advocate of annuities, discusses their benefits, particularly for those looking for steady income, but acknowledges that diversification is key.

You'll learn why life settlements are a growing alternative to traditional retirement strategies. While annuities provide income security, they often lack the potential for significant growth. Ryan explains how life settlements offer a unique opportunity, providing stable returns without market risk.

This episode ultimately highlights how this innovative approach can provide retirees with the stability they need, while also offering growth potential outside traditional market-based investments.

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

Enjoy!

In This Episode You'll Learn:

• The role of annuities and the need for further diversification into alternatives like life settlements.
• Ryan's 20 years of experience working with insurance carriers and brokerages, advocating for annuities.
• The three key client needs: guaranteed income, protection against the market, and growth potential.
• The concept of “orphan accounts” and the importance of addressing small, often ignored parts of clients' portfolios.
• The suitability of life settlements for clients who are market-adverse and seeking guaranteed income and growth.
• And much more...

Guest Bio:

Ryan O’Toole is the President of RMO Wealth and Insurance Solutions and a seasoned financial professional with over 17 years of experience in the industry. A proud graduate of the University of Michigan, Ryan is also a business coach and retirement income expert who has built his firm on the principles of education, research, family values, and a deep commitment to helping others build generational wealth. Drawing on the insights of thought leaders like Tom Hegna and Dr. Wade Pfau, Ryan advocates for retirement strategies built on guaranteed income and family pension concepts. He has coached advisors nationwide and helped capture hundreds of millions in assets by designing sustainable, measurable retirement blueprints. In 2022, he founded the Insurance Consulting Group to further his mission of personalized, client-centered financial planning.

Resources:

RMO Wealth and Insurance Solutions

Connect with Ryan's LinkedIn

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

Welcome to The Truly Diversified Show, where your host, Ben Mohr, shares insights that challenge the conventional wisdom around investing for retirement.

Many investors find themselves overly exposed to the stock market, unsure of how to balance risk and returns as they approach their golden years. This show promises to reveal lesser-known investment strategies that can offer solid returns without the volatility of traditional stock market exposure.

You'll be introduced to alternatives that many financial advisors rarely discuss, despite their longstanding presence and success among savvy investors. The podcast will feature conversations with experts who specialize in these off-market strategies, including financial professionals and CPAs who can shed light on tax advantages and practical applications. The goal is to empower you with knowledge that goes beyond the typical buy-and-hold advice.

As economic uncertainty looms, The Truly Diversified Show aims to equip retirees and pre-retirees with tools to diversify and protect their portfolios. By peeling back the curtain on techniques used by some of the world’s most astute investors, it offers a fresh perspective on retirement planning—one that emphasizes both security and opportunity outside the usual stock market channels.

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

Enjoy!

In This Episode You'll Learn:

• Why the traditional advice from financial experts that often promotes staying in the stock market or locking money in long-term annuities with low returns is problematic.
• Client investment techniques that offer decent returns without stock market risk, as well as examples of clients who have achieved double-digit returns using those strategies.
• An overview of future episodes, featuring discussions on how successful investors like Warren Buffett manage their investments during market downturns.
• The importance of diversifying investments as one heads into retirement.
• 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.