The Wealth Elevator

The Wealth Elevator Real Estate Syndications, Accredited Investor Banking and Tax Strategies

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A few non-obvious points about infinite banking:1. Life insurance is not always a “when you die” product.With the right ...
06/04/2026

A few non-obvious points about infinite banking:

1. Life insurance is not always a “when you die” product.
With the right permanent policy, the cash value can become a living asset you may be able to use while you’re alive — for business capital, emergencies, education, or retirement flexibility. I've also found that when you're getting loans, you can use them as sources of collateral.

2. Policy loans are different from bank loans.
You’re not applying to a bank, waiting on underwriting, or asking permission in the same way. You’re borrowing against your policy’s cash value, which can make access faster and more flexible.

3. The cash value can keep working even when you borrow against it.
That was one of the more interesting ideas in the book: you can access liquidity without necessarily interrupting the long-term compounding engine of the policy.

4. “Tax-free” does not mean “magic.”
The benefits depend on the policy being structured correctly and managed properly. If you over-borrow or ignore the policy, you can create problems.

5. Whole life and universal life are not interchangeable.
Whole life leans toward predictability, fixed premiums, and guarantees. Universal life offers more flexibility, but also requires more monitoring. I would just caution that there's a lot of people running around selling IULs, saying that it's higher returns, but remember, you have exposure to the stock market. What comes with higher returns comes with more risk.

More info theWealthElevator.com/bank

Most wealthy parents do not worry about leaving money behind.They worry about what the money might do to their kids.Afte...
06/03/2026

Most wealthy parents do not worry about leaving money behind.

They worry about what the money might do to their kids.

After spending decades building wealth, the next challenge is not just tax planning, estate planning, or asset protection.

It is character planning.

Because the real question becomes:

Will the next generation become stewards?

Or consumers?

A family legacy is not just about passing down assets. It is about passing down the operating system behind those assets.

Here are 8 values I believe matter most:

1. Accountability
Own your choices.

2. Integrity
Do the right thing, even when no one is watching.

3. Initiative
Be a builder, not a passenger.

4. Resilience
Grow through hard things.

5. Stewardship
Protect and improve what you inherit.

6. Gratitude
Appreciate what you have.

7. Contribution
Create value for others.

8. Presence
Give people your full attention.

Kids do not become grounded by lectures alone.

They become grounded by limits, responsibility, effort, and what they see modeled every day.

If the next generation only experiences comfort, upgrades, bailouts, and convenience, then normal life starts to feel like hardship.

That is where entitlement begins.

The goal is not to make life unnecessarily hard for your kids.

The goal is to make sure they develop the muscles needed to handle life, money, relationships, and responsibility.

Wealth should expand a family’s options.

It should not weaken the next generation’s character.

What values are you modeling every day?

What they don't tell you about the Short Term Rental Loophole...One of my clients — a physician making $400K+ a year — c...
06/03/2026

What they don't tell you about the Short Term Rental Loophole...

One of my clients — a physician making $400K+ a year — called me thrilled after her first year owning a short-term rental.
She'd taken $380,000 in bonus depreciation.
Wiped out most of her tax bill.
Felt like she'd found the cheat code.
Then I showed her the exit projection.
Here's what most STR investors don't realize until it's too late:
That depreciation doesn't disappear when you sell.
It comes back — in three buckets, each taxed at a different rate:
→ Bonus depreciation (§1245): taxed as ordinary income. Up to 37%.
→ Straight-line building depreciation (§1250): taxed at 25% max.
→ Whatever's left: finally gets capital gains treatment at 20%.
On her deal — $600K gain, $380K in bonus depreciation taken — her blended tax rate at exit was closer to 33%.
She came in thinking she'd pay 20% on everything.
The difference was over $75,000.
And here's the part that really stings:
An installment sale won't save you.
Seller-carry note, payments spread over 5 years — great for deferring capital gains.
Depreciation recapture? Due in full. Year of sale. No exceptions.
I've had clients mid-negotiation on creative financing deals who had no idea that bill was already locked in.
The STR loophole is real. I'm not here to talk you out of it.
But there are three things every investor needs to do before buying:

Model your exit at year 3, year 5, and year 10 — before you close.
Have a reinvestment plan for the tax savings. It's a loan from the government, not a gift.
Be honest about whether you actually want to run a hospitality business. Because that's what material participation looks like in practice.

My client is still holding. We built her an exit strategy. She's in a much better position now than if she'd sold in a panic.
But that conversation should have happened before she bought — not after.
If you'd like a free copy of my best-selling book, just email us at [email protected] and tell us how you found us.

Sold the business. Now what?Most founders know how to build wealth.Fewer know how to preserve it after the exit.The dang...
06/02/2026

Sold the business. Now what?

Most founders know how to build wealth.

Fewer know how to preserve it after the exit.

The dangerous part is not having cash.

The dangerous part is getting hit with taxes, advisor noise, deal flow, family expectations, and the pressure to “do something” all at once.

Here are 4 GPT prompts I would use before writing any large checks.

Prompt 1, The 12 Month No Regret Plan

Paste this into GPT:

“I recently had, or am preparing for, a major liquidity event from selling a business, monetizing equity, or receiving a large payout.

Act as a private wealth strategist helping me avoid rushed mistakes.

Ask me 10 questions about my tax exposure, cash position, family goals, lifestyle needs, risk tolerance, advisor team, desired income, and current investment experience.

Then build a 12 month no regret plan that separates:

Capital I should keep liquid
Capital I should reserve for taxes
Capital I could deploy gradually
Decisions I should delay
Investments I should avoid until I have more clarity
Questions I should ask before wiring money into any private deal

Keep it conservative, practical, and focused on avoiding irreversible mistakes.”

Prompt 2, The Advisor Noise Filter

Paste this into GPT:

“I am getting advice from wealth managers, tax advisors, insurance professionals, private deal sponsors, friends, and other entrepreneurs.

Create a scorecard I can use to evaluate anyone giving me financial or investment advice.

Include criteria for:

Incentives
Compensation structure
Conflicts of interest
Track record
Tax awareness
Downside planning
Liquidity awareness
Whether they understand my post exit situation

Then give me 10 questions I should ask before trusting their recommendation.”

Prompt 3, The First Private Deal Review

Paste this into GPT:

“I am considering my first private investment after a liquidity event.

Act as a skeptical capital allocator.

Help me review this opportunity without getting caught up in excitement, social proof, or the fact that I now have more cash.

Here is the deal summary: [paste deal summary]

Create a due diligence checklist covering:

Sponsor track record
Capital stack
Debt risk
Exit assumptions
Cash flow assumptions
Tax treatment
Fees
Liquidity
Worst case scenario
How much of my net worth this investment would represent

End with the top 10 questions I should ask before investing.”

Prompt 4, The Passive Income Gap

Paste this into GPT:

“I used to have high active income, but after an exit or career transition, I need to understand how much passive income my portfolio should generate.

Help me calculate my passive income gap.

Ask me for:

Annual spending
Taxes
Current income
Cash reserves
Existing investment income
Desired safety margin
Major future expenses

Then estimate how much capital I may need at 4 percent, 6 percent, 8 percent, and 10 percent annual cash flow.

Explain why higher projected income usually comes with higher risk.

Dynasty trusts are designed so assets:• Continue compounding across generations• Avoid repeated estate tax events• Stay ...
06/01/2026

Dynasty trusts are designed so assets:
• Continue compounding across generations
• Avoid repeated estate tax events
• Stay within a controlled structure

The tradeoff:
• Complexity
• Ongoing management
• Higher trust tax rates if not handled properly

This is less about return.
More about duration and control.

Different objective, different playbook.

We are not CPAs and this is not tax advice. If you need a referral to a CPA, lawyer, or other provider, let us know or visit theWealthElevator.com/vendor

Investing after 60 is a different game.At 40, a market correction can be annoying.At 65, it can change the retirement pl...
05/28/2026

Investing after 60 is a different game.

At 40, a market correction can be annoying.

At 65, it can change the retirement plan.

The shift from accumulation to income is not just math.

It is emotional.

Here are 4 ChatGPT prompts for retirees and near retirees who want more clarity before making portfolio decisions.

Prompt 1, Retirement Income Stress Test

Paste this into ChatGPT:

“I am retired or within 10 years of retirement.

Ask me about my age, retirement date, Social Security, pension, IRA, 401K, brokerage accounts, cash, spending, health care costs, debt, and desired legacy.

Then stress test my retirement income plan for:

Sequence of returns risk
Inflation
Taxes
Health care
Market volatility
Liquidity
Over concentration

Create a list of questions I should bring to my advisor.”

Prompt 2, Paycheck Replacement Framework

Paste this into ChatGPT:

“I am used to receiving a paycheck, but I am transitioning into retirement income.

Ask me for my monthly spending, guaranteed income, investment income, cash reserves, and required withdrawals.

Then create a simple plan for:

Monthly cash flow
Emergency reserves
Investment income
Withdrawal strategy
Tax timing
Expenses that need to be planned for

Explain it in plain English.”

Prompt 3, Conservative Private Investment Review

Paste this into ChatGPT:

“I am a conservative investor considering a private investment.

Here is the opportunity: [paste summary]

Create a plain English review of:

What the investment is
How investors may make money
How investors may lose money
Liquidity limits
Sponsor risk
Debt risk
Tax complexity
Questions I should ask
Reasons I may decide to pass

Keep the tone balanced and skeptical.”

Prompt 4, Retirement Scam Filter

Paste this into ChatGPT:

“I am cautious about scams, bad products, and overly complex financial pitches.

Create an investment red flag checklist for retirees.

Include guaranteed returns, pressure to act quickly, confusing fees, lack of transparency, unclear liquidity, unregistered people or firms, complicated tax claims, no downside discussion, social proof without substance, and poor reporting.

Then give me questions to ask before considering any investment.”

05/28/2026

A $2,500/night hotel room is not automatically a good investment of your money.⁣
⁣
Just like in real estate — the asset class doesn't guarantee the return. The specific property does. The specific room category does.⁣
⁣
A luxury travel adviser said it best: big hotel chains have diluted the brand so much that you can book what looks like a five-star experience online and walk into something that feels like a standard Marriott.⁣
⁣
The lesson applies everywhere:⁣
Don't just buy the category. Know what you're actually getting inside the deal.⁣
⁣
Due diligence isn't just for real estate.

05/27/2026

"Authentic" travel is one of those words people throw around without finishing the sentence.⁣
⁣
What they actually mean: authentic — but not so uncomfortable it ruins the trip.⁣
⁣
And that's not a bad thing. That's just honest.⁣
⁣
The real question a good travel planner asks is: how much discomfort are you willing to sit in, for a short window, to get an experience that actually sticks?⁣
⁣
Because that's the deal. The discomfort is part of what makes it memorable. It's what imprints it.⁣
⁣
Skipping the mall version of Muay Thai and going to a real gym in Thailand — that's the difference between a story you tell once and one you tell forever.

05/27/2026

Waiting for the "perfect time" to travel is one of the most expensive mistakes I see high-income professionals make.⁣
⁣
Not expensive in dollars. Expensive in experiences you'll never get back.⁣
⁣
Your knees don't care about your retirement account. Your lungs don't care that you finally have the time. If Machu Picchu or a safari is on your list — the window is real, and it closes quietly.⁣
⁣
Bill Perkins has been saying this for years: stop treating experiences like something you earn after the work is done. The math doesn't work that way.⁣
⁣
Think about travel the same way you think about investing — you're building toward a life, not just a balance sheet.⁣
⁣
The perfect time is usually now.

Most high income earners do not have a cash flow problem.They have a flow problem.Money comes in.Money goes out.Whatever...
05/27/2026

Most high income earners do not have a cash flow problem.

They have a flow problem.

Money comes in.
Money goes out.
Whatever is left gets casually saved, spent, or trapped.

A better system:

1️⃣ Separate income from expenses
2️⃣ Move surplus out of the rat race
3️⃣ Store capital in a wealth hub
4️⃣ Use infinite banking to keep capital accessible
5️⃣ Buy cash flowing assets
6️⃣ Route cash flow back into the system

The goal is not just to make more.

It is to create clarity, automate capital, and build an investment engine.

Learn more about infinite banking here:

theWealthElevator.com/bank

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