Starz Financial Solution

Starz Financial Solution Financial advocate committed to change one family at a time

My IUL 'expertise' still gets challenged.Even after years in this business, I regularly encounter IUL applications that ...
03/02/2026

My IUL 'expertise' still gets challenged.

Even after years in this business, I regularly encounter IUL applications that completely throw me. The real lesson isn't what I know, it's what I'm still asking.

I thought I had the blueprint locked down.

Structure for max cash value. Minimize the fees. Fund it until it hurts.

But recently? I've been humbled by a simple math concept I hadn't fully appreciated.

The flow-through.

We usually treat these policies like a savings account. You put money in, it sits there, it grows.

But I'm learning that for some, the policy isn't a bucket. It's a river.

Here is the logic that surprised me:

You take your paycheck. You deposit the whole thing into the policy immediately. Then, within days, you take a policy loan to pay your bills.

Sounds like a lot of work, right?

Here is why it matters.

Your annual balance increases the moment that deposit hits. Even though you borrowed the money back out to live your life, the interest you earn is calculated based on that higher number.

You are earning compound interest on money you already spent.

That stopped me in my tracks.

I always say IUL isn't magic. It is math, structure, and discipline. But sometimes the math reveals options I hadn't considered.

Expertise includes ongoing curiosity. If I stop asking "what if," I stop being useful to you.

Have a question about IUL I might not have heard before? DM me. I love the hard ones.

Drop a 🧠 in the comments if you learned something new today.

The secret to financial sanity is boring.Everyone on FinTwit is screaming about the "next big thing" for your money, but...
03/01/2026

The secret to financial sanity is boring.

Everyone on FinTwit is screaming about the "next big thing" for your money, but I found my peace in doing the exact opposite. There's a surprising reason why I chose predictable over profitable.

Honestly? I used to think I was doing it wrong.

You scroll through your feed and see gurus yelling about crypto spikes, complex option chains, or the "one weird trick" to retire next Tuesday. It makes you feel like you’re behind. Like you’re missing the party.

I almost wrote off my current strategy entirely because of that noise. IUL sounded too complicated. Too hyped. I figured if it was actually good, the loud guys would be selling it.

Then I looked at my own life.

I didn't need a hypothetical 20% return that I couldn't touch until I was 60.

I needed sleep.

See, optimizing for "growth" looks great on a spreadsheet. But spreadsheets don't account for a broken AC unit in the middle of July.

I had a client face exactly that. $7,000 needed. Immediately.

If she had followed the "smart money" advice, she’d be sweating while filling out credit applications or begging a bank for a loan.

Instead?

She requested a policy loan. The money hit her account in 72 hours. No credit check. No approval process. No stress.

That is boring.

And it is absolutely beautiful.

We spend so much time trying to maximize every percentage point that we forget the actual goal. The goal isn't just "more money." The goal is options.

I chose to be boring in a loud industry because I like knowing that if the market tanks tomorrow, my floor is zero. I don't lose. My money is safe.

Let the experts chase the trends. I’ll take the stability.

👇 What's the wildest, most absurd financial advice you've ever received? Drop it below. I need a laugh.

Most IUL plans miss its true foundational step.You see the shiny numbers. The tax-free growth. The "be your own bank" en...
02/28/2026

Most IUL plans miss its true foundational step.

You see the shiny numbers. The tax-free growth. The "be your own bank" energy. It looks incredible. And honestly, it *is* incredible. But there is a massive problem I see smart people making constantly. They try to slap an IUL policy on top of a financial life that is actively on fire.

They want the penthouse view before they have even poured the concrete for the basement.

I get it. I ignored the boring stuff for years because I wanted the wins. I was making good money on paper but living one surprise away from total stress.

Here is the brutal truth.

An IUL cannot fix a broken budget. It cannot outrun toxic debt. And it certainly cannot replace a basic emergency fund. If you skip the order of operations, the tool that is supposed to give you peace actually just gives you more anxiety.

You end up stressing about premiums instead of sleeping better at night.

Here is the hierarchy. The order matters.

First ➔ **Emergency Fund**. This is your oxygen. If you don't have liquid cash for a flat tire or a broken AC, do not pass go.

Next ➔ **Debt Structure**. Stop the bleeding.

Then ➔ **Protection**. If you aren't here tomorrow, is the family okay?

Then... **IUL**.

This is where we build the warehouse. This is where you get efficient.

Finally ➔ **Aggressive Growth**.

When you do it in this order, the IUL feels like a fortress. When you do it backwards, it feels like a heavy backpack you are carrying while trying to sprint.

The foundation is what makes the whole thing stand up.

Not sure where IUL fits in YOUR hierarchy? DM me 'HIERARCHY' and I'll map it out with you.

Does this order make sense to you? Drop a 'Yes' if you agree the foundation comes first. 👇

My IUL failures taught me a crucial lesson.I thought I knew how to build my IUL plan. After some hard lessons, I realize...
02/27/2026

My IUL failures taught me a crucial lesson.

I thought I knew how to build my IUL plan. After some hard lessons, I realized 'enough' creates a much stronger structural integrity than 'more' ever could.

For a long time, I treated these policies exactly like a 401(k). I thought the goal was to shove every spare dollar into the system, push the limits, and chase the highest possible number on the illustration. It felt smart because the math looked perfect on paper. I was making good money, but I was living one surprise away from stress because I hadn't actually accounted for *access*.

I was building a massive house on a cracked foundation.

You see, maximizing for the sake of an illustration is a trap. I see successful people do this all the time. They want to "win" the spreadsheet. They obsess over the internal rate of return or the cap rates. But when real life hits—like when an AC unit breaks in the middle of a brutal summer and you need $7,000 in 48 hours—that theoretical "maximization" is worthless if you didn't structure the policy for liquidity first.

More money isn't better if you don't know why it's there.

Every dollar needs a job.

That is why I stopped asking "how much can we fund?" and started asking "what is sustainable?" Real structural integrity isn't about hitting the limit. It's about designing a system that works when you're tired, when income fluctuates, or when you just need peace of mind.

Sometimes "enough" looks like a simple $250 a month with a modest lump sum to get the engine running.

It grows. It protects. But most importantly, it is there when you need it.

A modest policy you can actually stick with is infinitely stronger than a "perfect" policy you have to cancel because it became a burden.

Stop trying to optimize for the spreadsheet. Optimize for your actual life.

Don't know your 'enough' number? DM me 'ENOUGH' and I'll help you find it.

👇 Does your financial plan feel like a cage or a safety net? Like this if you prefer peace over "more."

You might think your life insurance is set in stone, a static part of your financial infrastructure. But I've personally...
02/26/2026

You might think your life insurance is set in stone, a static part of your financial infrastructure. But I've personally seen how a small shift in perspective can transform it into a dynamic engine for your goals.

I’ll be honest with you.

When I first heard about IUL, I almost wrote it off.
It sounded too complicated.
Too hyped.

I thought: If it was really that powerful, wouldn't everyone be using it?

So I ignored it.

Meanwhile, my money was sitting in a bank earning nothing. I was making good money on paper but living one surprise away from stress.

What changed my mind wasn’t a brochure. It was seeing how the math works when things break.

A client of mine called me recently. Middle of summer. Heat wave. Her AC unit completely died.

The quote was $7,000.

If she didn't have liquidity, she would have been scrambling. Thinking about high-interest loans. Worrying if she’d get approved.

She didn't have to do any of that.

She went to her policy -> requested the amount -> funds in her account in less than 72 hours.

No credit check. No explaining herself to a bank.

That is the difference between a "product" and a system.

If you can’t access your money when life happens, it’s not a system. It’s a trap.

This is why I don't design policies to look pretty on an illustration. I design them to work in reality.

Think of it like the plumbing or wiring in a house. You don't see it, but it's the infrastructure that makes the house livable.

Maybe you don't have a broken AC.
Maybe you want to fund a wedding.
Maybe you want to start a business without begging investors.

You need capital you actually control.

It’s just math, structure, and discipline.

What would YOU use tax-free cash value for if you had access to it right now?

Drop it in the comments. 👇

Share this moment with your friends and family 💜💜💜
12/20/2025

Share this moment with your friends and family 💜💜💜

You still have time to get coverage that begins in February.👇let’s connect in the next section
12/20/2025

You still have time to get coverage that begins in February.👇let’s connect in the next section

🚨 Attention, retirement planners age 65+! Have you heard about the "golden window" opening next year? From 2025-2028, yo...
08/03/2025

🚨 Attention, retirement planners age 65+! Have you heard about the "golden window" opening next year?

From 2025-2028, you could save THOUSANDS on taxes with Roth conversions thanks to a special "senior bonus deduction" ($6,000 per person, $12,000 for couples)!

It's like the tax gods are giving you a high-five just for being awesome at aging. 😎

Think about it: Pay lower taxes NOW on your retirement savings, then enjoy TAX-FREE growth and withdrawals FOREVER. Plus, no more annoying RMDs!

This window closes in 2028. Don't leave this money on the table!

Who's curious about how much YOU could save? Drop a 👋 below and let's chat about your situation (zero pressure, just possibilities).

Ever wonder where your retirement dollars stretch furthest? Turns out it's Canfield, Ohio! 🏡A recent study ranked Canfie...
08/03/2025

Ever wonder where your retirement dollars stretch furthest? Turns out it's Canfield, Ohio! 🏡

A recent study ranked Canfield #1 for retiring with $500K in savings. Why? Your 20-year retirement there costs about $391K total (compared to the million-plus you'd need in those fancy coastal spots! 😱)

The best part? 12 Ohio cities made the top 50 list. Our Midwest charm comes with serious financial perks!

So what does this mean for YOUR retirement planning?

→ Your savings could last years longer
→ Less financial stress = more enjoying life
→ More flexibility for travel, family time, or whatever makes your heart happy!

Living where your money goes further doesn't mean skipping proper planning though! The right strategy still matters (that's where we come in 😉)

Anyone surprised by Ohio's retirement-friendly status? Or thinking about relocating for retirement? Drop a comment!

🚨 Big changes coming for 2025! The new federal estate tax exemption is jumping to $15 million per person. Here's what th...
08/03/2025

🚨 Big changes coming for 2025! The new federal estate tax exemption is jumping to $15 million per person.

Here's what this means for our Ohio and Florida families:

✅ Good news: Neither state has its own estate tax!
✅ Better news: Married couples can shield up to $30 million from federal estate taxes
✅ Reality check: Estate planning isn't just about taxes—it's about protecting your family's future

Just because the exemption is higher doesn't mean you should skip planning. Wills, trusts, and clear asset distribution still matter for ALL families!

Question time: Has anyone told you that estate planning is "only for the super-wealthy"? Drop that myth in the comments!

We're here to help you navigate these changes. Family matters. Let's make sure yours is protected. 💙

Ever notice how insurance and estate planning often get tossed in the "I'll get to it someday" pile? 🙈Let's get real for...
07/30/2025

Ever notice how insurance and estate planning often get tossed in the "I'll get to it someday" pile? 🙈

Let's get real for a sec—protection planning isn't just a nice-to-have luxury. It's as essential as your Netflix subscription (maybe slightly more important? 😉).

When you budget for life insurance and living trusts MONTHLY (like your other bills), you're actually building your financial fortress brick by brick!

Think of it this way: We budget for things that protect our cars, homes, and even our phones... but what about protecting our WHOLE LIFE'S WORK and the people we love?

Anyone else guilty of pushing these "adulting tasks" to the bottom of their to-do list? Drop a 🙋‍♀️ below!

Need help making protection planning fit your budget? That's literally why we exist. No pressure—just honest advice.

Ever noticed how we spend more time planning vacations than planning what happens to everything we own? 🤔 Truth bomb: A ...
07/23/2025

Ever noticed how we spend more time planning vacations than planning what happens to everything we own? 🤔

Truth bomb: A will alone is like bringing a spoon to a buffet—you're missing out on all the good stuff!

Estate planning isn't just for the mega-rich (I promise your collection of vintage band t-shirts counts as an estate too!). Without the right plans, even modest assets can create family drama worthy of a reality TV show.

Beyond the will, you need:
• Living trusts (bye-bye, probate court!)
• Healthcare directives (because you should decide who pulls the plug, not your cousin Eddy)
• Power of attorney documents (for when life throws curveballs)

What's one thing you want to make absolutely sure happens with your assets someday? Drop it below—no judgment, just conversation!

Address

West Palm Beach
Riviera Beach, FL
33404

Opening Hours

Monday 9:45am - 4pm
Tuesday 9:30am - 4:45pm
Wednesday 9am - 4pm
Thursday 9am - 5pm
Friday 9:30am - 4am

Telephone

+15617643876

Website

Alerts

Be the first to know and let us send you an email when Starz Financial Solution posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Starz Financial Solution:

Shortcuts

Share

Category