Got a full-time job or business? Still want to build wealth through real estate? This episode is for you. 🚀
Alan Franks is a financial planner who didn’t quit his job — he used it as a launchpad.
While raising a family and managing clients, he quietly stacked properties and built passive income one deal at a time. 💼🏘️💵

🛠️ HOW HE GOT STARTED

📍 Alan began investing in his early 20s while working full-time in finance.

💰 He tapped into $10K from a life insurance policy to buy his first rental.

🏡 He then pulled a HELOC (Home Equity Line of Credit) to snag his next property.

💸 That rental paid off the HELOC, and he repeated the process.

📈 Over time, he scaled into duplexes and eventually joined a 130-unit apartment syndication deal.

📊 STOCKS VS. REAL ESTATE — WHAT HE TELLS CLIENTS

🔁 “It’s not either/or — it’s both.”

✅ Stocks = liquidity + long-term growth 💹

✅ Real Estate = control, leverage, and incredible tax benefits 🏘️💰

💡 “Most people don’t realize how powerful real estate is for tax strategy, especially for W-2 earners.”

📉 He helps clients borrow against stock portfolios to invest in cash-flowing rentals, so each dollar works twice. 🧠💵

🧱 HOW HE INVESTS TODAY

📦 Alan eventually stepped back from hands-on management to focus on his 3 kids and his financial planning firm.

🏢 He now invests passively in apartment syndications.

💸 He earns quarterly distributions, gains appreciation, and gets solid tax write-offs — all without chasing tenants or fixing toilets.

💼 Plus, he uses his HELOC to do private lending:

➡️ Borrow @ 7%
➡️ Lend @ 17%
➡️ Keep the spread 📈🧾

💥 TIPS FOR INVESTORS WITH FULL-TIME JOBS OR BUSINESSES

🔑 Leverage what you already have: life insurance, HELOC, stock portfolio

🔑 Go passive or partner to protect your time and energy

🔑 Learn to use cost segregation & depreciation to reduce taxes 🧾

🔑 Don’t just diversify your assets — diversify your tax exposure 💡

🔑 Play the long game: freedom, options, and steady growth 🚀

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