BetterWealth with Caleb Guilliams

Learn how to build the best retirement plans based on your income level as well as how to create a 'super Roth' with as little as $100,000 a year. We walk through the ladder of retirement plans based on wealth status, from the Roth IRA up to cash balance plans and tax-deductible life insurance. In this interview, Caleb Guilliams sits down with Paul Sundin, CPA and founder of Emparion, a company which has been recognized on the highly prestigious Inc. 5000 list of America's fastest-growing private companies.Want to See If Whole Life Insurance Makes Sense for You? Click Here:https://betterwealth.com/go/yt/3SV_CgIIQzUWant To Learn More About Working With Paul? Click Here: https://www.emparion.comChapters:0:00:00 Introduction0:01:43 The Best Tax Advantaged Retirement Accounts0:04:37 Traditional IRA and Roth IRA Basics0:05:58 How the Backdoor Roth Works0:06:40 Why Roth Income Limits Still Exist0:08:56 Funding a Roth for Your Kids0:10:06 SEP IRA: Best Fit and Limits0:12:00 Control Group Rules Explained0:13:33 SIMPLE Plans for Small Teams0:14:51 Solo 401(k): The Bread and Butter Plan0:16:56 Adding a Roth to a Solo 401(k)0:18:30 Safe Harbor 401(k) and Employee Match0:20:16 Mega Backdoor Roth: 3 Components0:24:06 Cash Balance and Defined Benefit Plans0:25:29 Rules for Combining Retirement Plans0:27:30 Will Taxes Really Go Up? Paul's Take0:31:52 How a Defined Benefit Plan Works0:35:43 Why Age and Income Drive Contributions0:37:26 The Tesla Analogy for DB Funding0:40:40 Who Cash Balance Plans Are Built For0:42:36 Your Funding Range and the 50% Kicker0:45:27 Investing Inside a Cash Balance Plan0:49:29 Who Is a Bad Fit for These Plans0:50:26 Life Insurance Inside a 401(k)0:53:40 Rolling an IRA to Buy Life Insurance0:56:22 Why Buy Insurance Inside a Plan0:59:47 Long-Term Care and Section 105 Plans1:03:31 PPLI: The Super Roth Explained1:05:11 Upgrading a Policy With a 1035 ExchangeLearn More About BetterWealth: https://betterwealth.com/home/yt/3SV_CgIIQzU====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Our most complete whole life insurance masterclass: the best moments from our interviews and explainers on how whole life works, how to design a policy, retirement planning and more, all in one video.Want to See If Whole Life Insurance Makes Sense for You? Click Here:https://betterwealth.com/go/yt/GVbtfZlz9F0Want Us To Review Your Permanent Life Insurance Policy? Click Here:https://betterwealth.com/review/yt/GVbtfZlz9F0Want Free Whole Life Insurance Resources & Education? Go Here:https://betterwealth.com/vault/yt/GVbtfZlz9F0Learn More About BetterWealth: https://betterwealth.com/home/yt/GVbtfZlz9F0Chapters: Intro - 0:00 Permanent Vs Term Life Insurance | Bobby Samuelson - 0:59 Tax Benefits of Whole Life Insurance | Karlton Dennis - 11:42 Intro To Retirement Benefits of Whole Life | Tom Wheelwright - 34:04 The IRR (Internal Rate of Return) of Whole Life Insurance | Todd Langford - 42:42 Whole Life Insurance Vs Bonds | Dr. Tom Wall - 1:03:40 The 5 Cons of Whole Life Insurance - 1:16:13 Five Ways To Design Whole Life Insurance - 1:25:19 How To Fix An Old Whole Life Insurance Policy | Alden Armstrong - 1:44:50 When Can You Borrow Against Your Whole Life Policy? - 2:02:54 Buying Real Estate Investments with Whole Life Insurance | Dom Rufran - 2:08:12 Whole Life Insurance For Retirement Planning | Ed Slott - 2:39:42The Volatility Buffer Strategy - 2:57:18 Four Whole Life Insurance In Retirement Case Studies | Walter Young - 3:07:11 How To Pass On Generational Wealth Forever (Waterfall Method) - 3:58:05====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Learn what the $235 billion problem hiding inside the life insurance industry means for your policy and how to tell if your carrier is financially sound. In this presentation, Caleb Guilliams hosts Tom Gober (Deep Dive Analytics), a 41-year insurance examiner, who explains how to read a carrier's statutory annual statement to judge surplus, reinsurance and transparency.Want to See If Whole Life Insurance Makes Sense for You? Click Here:https://betterwealth.com/go/yt/Ythmh6OyrYIWant Us To Review Your Permanent Life Insurance Policy? Click Here:https://betterwealth.com/review/yt/Ythmh6OyrYIWant Free Whole Life Insurance Resources & Education? Go Here:https://betterwealth.com/vault/yt/Ythmh6OyrYIChapters:00:00 Introduction and Trailer00:56 Why Carrier Choice Matters Most02:32 Statutory vs. GAAP Accounting03:05 You Can Only Claim the Carrier04:03 Surplus: The Only Solvency Buffer06:25 Private Equity vs. Mutual Surplus07:12 Pensions Being Moved to Insurers08:05 41 Years as an Insurance Examiner09:16 Risky Assets, Liquidity and Opacity10:02 Two Years Undercover on Fraud Cases10:40 Iowa Made Captive Filings Secret13:13 How Black Box Captives Underfund15:05 Regulators Too Cozy With Carriers17:03 Athene's $235 Billion Offshore Deal18:29 From Athene to Chairing the NAIC Group20:37 The Biggest Threats to the Industry20:54 How Carriers Create Fake Surplus21:13 Illiquid Assets Pushed by Private Equity21:58 The Insurer as the Group's Cash Cow23:12 The Whirling Dervish Reinsurance Map25:59 Building the Deep Dive Risk Report28:11 Compare Risk to Surplus, Not Assets28:49 The Carrier Risk Spectrum Explained30:12 The One Question to Ask Any Carrier31:14 How to Get Your Free Carrier Report34:59 Your Policy Is Only as Strong as CarrierLearn More About BetterWealth: https://betterwealth.com/home/yt/Ythmh6OyrYI====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

See why whole life insurance agents get called crooks, and what that claim gets wrong. Caleb Guilliams reacts to Dave Ramsey and George Kamel telling a caller to run from whole life, breaking down the tax, safety and commission claims and the case for a non-correlated volatility buffer.Want to See If Whole Life Insurance Makes Sense for You? Click Here:https://betterwealth.com/go/yt/CyjBvKzWoWkWant Us To Review Your Permanent Life Insurance Policy? Click Here:https://betterwealth.com/review/yt/CyjBvKzWoWkWant Free Whole Life Insurance Resources & Education? Go Here:https://betterwealth.com/vault/yt/CyjBvKzWoWkChapters:00:00 Introduction and Trailer00:40 Caller's Advisors Recommend Whole Life01:34 Why Whole Life Triggers Dave Ramsey02:20 Fear Mongering vs Diversification04:19 If the Insurance Company Goes Kaput04:46 State Guaranty Funds as a Backstop05:25 Are Life Insurers Safe or Risky?07:00 Mutual vs PE-Backed Insurance Companies08:52 Is Whole Life Really Tax Exempt?09:59 Cost Basis and Taxes Explained10:57 Policy Loans vs Withdrawals11:52 Buy, Borrow, Die With Life Insurance13:09 Tax-Free Cash Flow Is Not Income14:50 The Atomic Bomb Financial Plan16:26 Running Gray and Black Swan Scenarios17:29 Why Keep 1-4 Years Out of the Market19:15 Whole Life vs Savings and Bonds21:41 If Your Account Drops in Retirement24:29 Are Insurance Agents Really Advisors?25:34 Are Agents Just Chasing Commissions?27:23 Term Insurance Commissions Explained27:53 Why Canceling a Policy Blindly Is Bad28:20 How Policy Design Changes Returns29:29 Commissions vs AUM Fees30:43 What Good Planning Looks LikeLearn More About BetterWealth: https://betterwealth.com/home/yt/CyjBvKzWoWk====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

In loving memory of John Noel who passed away peacefully at his home Sept. 30, 2026With the recent passing of my dear friend and mentor, John Noel, I wanted to reshare my interview with him in 2019, not only to honor his legacy but share the stories and lessons he left behind.John Noel was the founder and visionary behind Travel Guard, a multi-million dollar travel insurance business that pioneered the industry itself. In this podcast he shares the stories and lessons that made him into the man and successful business owner he was.