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How To Build Generational Wealth 2026! — Transcript

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0:00How's it going guys? Chris Hart here,
0:01sold out servant. If you're watching
0:02this video, you're probably someone in
0:04two different groups. So, I want to ask
0:05you to check out our video to learn
0:06about more about our company, what we
0:08do, how we serve families, and maybe
0:09learn more about financial literacy for
0:11yourself. Maybe you're somebody saying,
0:12"Man, Chris, I'm open to an opportunity
0:14to make extra income. Regardless of who
0:16you are, today we'll walk through a
0:17couple different things. One, I'll share
0:18my story first, my background, how I got
0:21started in this industry over 12 years
0:22ago. I'll walk you through the future,
0:24what's happening now in financial
0:25services. They will engage the three
0:27problems we're solving as entrepreneurs.
0:29And then walk you through some financial
0:31terms around money and finances, how
0:33money grows, how to advance wealth for
0:34yourself, and for somebody who's open to
0:36the opportunity. I'll walk you through
0:38exactly what we do, how we serve
0:39families, and how we get paid in the
0:41process. So guys, my background, I'm
0:42originally from California, born and
0:44raised in SoCal. Um, prior to working in
0:46financial services, worked at a company
0:47called Apple. At Apple, my job was to
0:49help companies integrate Apple
0:51technology, software, hardware. Loved
0:53Apple. thought I was going to retire
0:54there, but God had different plans for
0:56me. I met a guy at my church back in
0:572013. We had some small talk about a
0:59company called PHP. Now, I asked him
1:01what it stood for. He said, "People
1:03helping people." I thought it was pretty
1:04corny. I said, "What do y'all do?" He
1:06says, "We help families make money, save
1:08money, and get out of debt." At the
1:09time, I was very young. I was age 26. I
1:11had just gotten married. I thought,
1:12"Okay, as a new husband, I should
1:14probably be responsible with money and
1:15finances. So, why not? Let me hear you
1:17out." And so, we met the following
1:18Sunday after church. Guys, he blew me
1:20away. My mom and dad did the best they
1:21can by me. We never quite had discussion
1:23about personal finance. It just wasn't a
1:25topic of discussion in my household. In
1:26my years of high school and college,
1:28never had a class on personal finance.
1:30So, it made sense to me. I got started
1:31as a client with Nationwide Financial
1:34and AIG. Now, he tried to recruit me. I
1:36wasn't cocky, but I work for Apple. So,
1:37I said, "Hey, man. I work for Apple. We
1:39have a hundred billion dollar in the
1:41bank. We're doing very well." Guys,
1:43Apple had a hundred billion dollars in
1:45the bank, not me, right? But my ego was
1:47tied to working for a big sexy company.
1:49So, I passed on the opportunity. Now, I
1:50come from a large family. It's seven of
1:52us. I have six siblings total. And so, I
1:54gave him some referrals and my older
1:56brother and sister, um, Stanley, Stanley
1:58and Tammy. Now, a couple months went by.
2:00He called back from my referrals. And I
2:02asked him, I said, "What did you make
2:03helping out Tammy and stay in
2:04commission?" He made about $7,000 in
2:06commission. I thought, "Wow, $7,000
2:08helping them." Huh. I didn't get any
2:10kickback, no referral fee, not even a
2:13Starbucks gift card, right? So, I
2:14thought at that time, man, I could
2:16probably do it myself, get my own
2:17license, and serve my family on my own.
2:19So I said, "As of right now, my entire
2:21family is set." So my plan was to get
2:23licensed, guys. I didn't get licensed. I
2:25procrastinated. I kept working at Apple.
2:27But me and my wife had a discussion a
2:28couple months later about having kids.
2:30And she says, "Hey, babe, I want to have
2:31kids." We say, "We should rent our late
2:3220s. Why not?" She says, "But I want to
2:34be a stay-at-home mom." I thought, "Wow,
2:36stay at home mom." I said, "Babe, there
2:37aren't any more stay-at-home moms in
2:39America. That's like a old school
2:40mentality, right?" But she was serious
2:42and so was I. So I said, "How do I
2:43replace her income?" I thought I can get
2:45into real estate and sell homes, maybe
2:47maybe have a part-time job or maybe get
2:49started with my friend Curtis in the
2:51insurance industry. So, me and Curtis,
2:52we had a conversation about the PHP
2:54agency platform, hire work. I said,
2:56"Hey, man. If I come on board part-time,
2:58can I make an extra $2, $3,000 a month
3:01part-time?" He says, "Chris, you get
3:02started here, brother. You'll be a
3:03quarter million dollar earner in no
3:04time." I said, "Hey, man, don't send me
3:05no crazy dream of making a quarter
3:07million a year. Can I make an extra $2
3:09to $3,000 a month part-time?" And and I
3:12thought, man, worst case scenario, I
3:13come on board, learn about money and
3:15finances. It'll be a win-win for my
3:17family. So, I got started part-time. Got
3:18licensed in one month. Within four
3:20months, retired my wife. She didn't make
3:22crazy income. She made about 2,500 a
3:24month. And after four months, eight four
3:26months of working here and working
3:27nights, I was able to replace her
3:28income. And in one year from our start
3:30date, I left Apple. So, it wasn't some
3:32get-rich quick scheme or some overnight
3:34sensation. It took some hard work and
3:36dedication. But fast forward today,
3:38guys, God bless us. My agency has a
3:40presence in Riverside, California. We're
3:42in Phoenix, Arizona. We're in Columbus,
3:44Ohio. We're in Brooklyn, New York. We're
3:45in Charlotte, North Carolina. Memphis,
3:47Tennessee. And we're heavily saturated
3:48in the DMV area, DC, Maryland, Virginia.
3:51So guys, let's get right into it. So PHP
3:53agency, who are we? PHP agency, what
3:56would you consider an FMO? We're a
3:57financial marketing organization. What
3:59we do is we market financial products on
4:01behalf of firms like National Life
4:03Group, AIG, Alian, Fidelity, and
4:06Guarantee. Most of these are Fortune
4:071000 companies, but they're having a
4:09hard time growing in diverse markets.
4:11One of their biggest challenges is their
4:13average agent is a 61-year-old Caucasian
4:15male. Now, nothing wrong with being
4:17white or being 61, but he's got one foot
4:19in, one foot out. He's about to retire.
4:21Now, these companies don't care what
4:23color you are, how old you are or where
4:25you come from. All they care about is
4:27the distribution of their their products
4:29and services. But they know people
4:30normally buy from people who look, talk,
4:33and act like them. So, if the average
4:35agent is a 61-year-old Caucasian male,
4:37who is he probably marketing to? People
4:39in his demographic. Who's being left
4:40behind, guys? Everybody else. First,
4:43you've got Gen Xers, they're in their
4:44late 40s, 50s, not being talked to about
4:47money and finances. You've got Gen Z's
4:49in their teens and 20s being left
4:50behind. You've got my generation
4:52millennials, right, in their late 20s,
4:5430s, early 40s, not being targeted to
4:56when it comes to financial literacy. And
4:58then you have minorities and women. This
5:00is a huge part of our country's
5:02demographic, not being targeted to when
5:03it comes to financial literacy and
5:05education. So, our company's in a very
5:06unique spot. We're very diverse. We're
5:0854% female, which is unheard of in the
5:10industry. We're 41% Hispanic, 32%
5:13African-American, 13% Caucasian. We're a
5:16different type of company that wants to
5:17attract a different type of agent. So,
5:19in business, we get paid based off the
5:20size of the problems we solve. We're
5:22solving problems here. We're solving
5:24three main problems, right? The first
5:25one we're solving here is called
5:26distribution. If the average agent in
5:28our industry is a 61-y old male, he's
5:31not reaching anybody. We need
5:32distribution, guys. I'm a 38-year-old
5:34African-American male, I have access to
5:36a market that the average agent can't
5:38get to. Therefore, John Hancock, AIG,
5:41Pacific Life. They'll pay me very well
5:43to help teach people who look, talk, and
5:45act like me about money and finances.
5:47The first problem we're solving is
5:48distribution. The second problem, guys,
5:50here is financial literacy. We don't
5:52learn how money works in America. Not in
5:54high school, not in college, not at
5:56home. How did we learn from school or
5:58hard knocks, right? Making mistakes in
6:00our 20s and our 30s, trying to recover
6:02by our 40s to get back on track in time
6:04for retirement by our 50s and 60s is not
6:06the best wisdom, but it's all we know.
6:09We teach financial literacy here. How's
6:11your 401k work? Your 403b, IRA, Roth
6:14IRA, what's tax code 7702? What's an
6:17infinite banking concept? How does
6:19taxation and inflation impact my
6:21retirement and my wealth? And last but
6:23not least, it's just entrepreneurship. I
6:25don't care how old you are in America
6:27today. You're saying, "Man, Chris, I
6:29want to open a business." You have to
6:30attract us. Who is that? Gen Z's and
6:32millennials. But we're different. We
6:34were born between 1981 and 2010. Most of
6:37us don't want to work at a job for 40
6:39years for a 401k for 45k a year. We want
6:41to travel, live our best life, get paid
6:44what we're worth, and have an impact on
6:45our community and the world. Last time I
6:48checked, that's very hard to do behind a
6:49desk or a kiosk. It requires
6:51entrepreneurship. But who's teaching us
6:53that guys? No one really is. And so
6:55these are the three main problems we're
6:56solving. You're probably wondering,
6:57Chris, okay, great intro. How are y'all
6:59solving these problems? I'm located in
7:00the DMV area. And we run free financial
7:03workshops here every Tuesday evening,
7:05Wednesday evening, Thursday evening,
7:07Saturday morning, and Saturday
7:08afternoon. We're at max capacity. A huge
7:10demand for what we do in our community.
7:12But here's the thing. We teach about
7:14money and finances, but not just money.
7:15And finances, more importantly, how does
7:17money grow? We all make money. Some make
7:19more, some make less. But our money is
7:21growing three ways. Now, unfortunately,
7:22we're only taught the first two here
7:24normally in America. So, your money
7:25right now is currently growing three
7:26ways. It's growing fixed, it's growing
7:28variable, and growing index. Now, each
7:31way money grows has a plus and a minus
7:33to it or prone to cal. The first one
7:35here is fixed. What's fixed? It's going
7:36to be your checking account, savings,
7:38CD, money market for some of you guys, a
7:40shoe box upstairs, right? Um, now what's
7:42the plus of putting money in a shoe box
7:44or a bank account? It's safe. It's
7:47backed up by the FDIC up to a4 million
7:49dollar deposits. Now, what's the
7:51downside to it? It's not going anywhere.
7:53And most of our average savings checking
7:55accounts, we're getting between 0ero and
7:561% growth. It's not even keeping up with
7:59inflation. So, looking at a growth chart
8:00here, over time, you got slow growth.
8:03Not the best place to grow money. The
8:06second one here is variable. Now, a lot
8:08of my clients have variable accounts due
8:09to employee sponsored accounts like
8:11401ks, 403bs, 457s, TSPs. Maybe you own
8:15some cryptocurrency, right? XRP,
8:17Ethereum, Bitcoin. Maybe you have some
8:19real estate investments. You're
8:20investing into stocks or ETFs. Now,
8:22what's the plus to investing into an ETF
8:25or stocks or real estate or crypto or
8:27your
8:28401k? Growth. You can experience
8:30phenomenal growth in the market, guys. I
8:32invest in stocks. I invest in real
8:34estate. I love those concepts, right?
8:35Because it brings me phenomenal growth.
8:36What's the downside to it? Sometimes
8:38what goes up must come down. You can
8:42lose all or a portion of your money in
8:44variable accounts. Looking at the last
8:4624 months of our economy, what's
8:48happened now currently with the
8:49terrorists, what's happening with Trump
8:50and things that are taking place in our
8:52current economy. We've seen some ups and
8:53downs in the stock market recently.
8:54Right? So market has been kind of up
8:56down up down up down crash recovery.
8:58Right? The real question is this. How
9:00much money can you afford to lose right
9:02now? The last one here is index. Now
9:04keep in mind index is not as popular as
9:07fixed and bearable. Why? The average
9:08agent marketing index is now talking to
9:11everyone. So, a lot of my clients never
9:12heard of it. It falls in two categories.
9:15You got fixed index annuities and index
9:19universal life. Fixed index annuities
9:22and index universal life known as FAS
9:25and ILS. Now, they're both insurance
9:27products. Insurance has a disposition to
9:30not lose value. You have a contract
9:32saying you're guaranteed to never lose
9:34money in the account. So, the plus is
9:35pretty obvious, guys. It's safe. Now,
9:37what's the catch? It's got to be a
9:38catch. Now, in most cases, it's capped
9:41on growth. Not all, but most. So, what
9:42does that mean? In this example, we're
9:44saying you're capped at 9% growth. You
9:46will not go above 9% growth, but you
9:48will never go below zero. So, what does
9:50that mean? When we say index, it's
9:52tracking an index. It's tracking what we
9:54call the S&P 500, standard imports,
9:56right? Your top 500 companies in the
9:58stock market from Tesla to Nvidia to
10:01Google to Microsoft to Disney, all these
10:04brands. Right? Now imagine you said,
10:05"Chris, I want to grow some money for my
10:09future tied to the performance of
10:11Amazon, Nvidia, Microsoft, Apple, but I
10:14don't want any risk." You want to grow
10:16money with those top companies defining
10:17risk. You may want to consider an index
10:19tied to an IL or a fixed index annuity.
10:22Now, let's just say you're putting in
10:23$100 a month into an IL. Or you're
10:25someone saying, "Hey, Chris, I got a
10:27$10,000 IRA. I'm rolling it over into an
10:29annuity, right? And I'm doing that into
10:31a fixed index annuity." And say the
10:33market was up this year 20%. Woo! Good
10:35year growth in the market. What would
10:36you get in your return? Well, your cap's
10:39nine. So, what are you getting? 9%.
10:42Guys, that's the downside to it. You do
10:44not get all the gains in the market. You
10:46probably take any upside with a cap. But
10:49imagine the market was flat the
10:52following year. 8% growth, which is not
10:54bad at all. A nice average return on the
10:55market. What would you get? All 8%.
11:00Say we had a repeat of the.com boom, the
11:04recession 08, uh, COVID scare recently,
11:07the terrorists of 2025, right? And the
11:09market was down negative 38%. How much
11:12money would you lose in your fixed index
11:13annuity or
11:15IL? Zero. Zero is your hero. You don't
11:18lose money in the index. Looking at a
11:21growth chart here, I'm a very visual
11:22person. When the market's up, you're up.
11:24Down, you're flat. Up, you're up. Down,
11:26you're flat. Up, you're up. Down, you're
11:28flat. so forth and so on. So looking at
11:30all three ways money grows, if you had
11:33an opportunity of money for your
11:35family's future between fixed, variable,
11:37and index, where would you put most of
11:39your money? Most my clients say index.
11:43Some say fix, a few say variable. Guys,
11:46I believe in all three. If I sat here
11:48and say, "Hey, put all your money in
11:50index." That's crazy. You should run. If
11:52I say, "Hey, put it all in in the stock
11:54market." That's crazier. If I said, "Put
11:56it in a bank account. Get out of here,
11:57right? I don't know anything. I believe
11:59in all three. I believe in
12:00diversification. So when it comes to
12:01fixed accounts, what do we enjoy most
12:03about our fixed accounts? Safety. We
12:05work hard for our money and tomorrow
12:07morning we want to be there in AM,
12:08right? But but the hard thing to it is
12:11this here. There's no growth tied to
12:12these fixed accounts. We like the safety
12:15but don't enjoy the lack of growth. What
12:17should be in this account? Most
12:19financial experts say between 3 to 6
12:21months should be set aside into a
12:22savings account or a fixed account that
12:24you you have liquid access to in case
12:26life happens. you can borrow, you can
12:28take money from it when you need to.
12:29Liquidity is there. Um, variable
12:31accounts, we enjoy the growth of our
12:33TSP, 401k, real estate investments,
12:36cryptocurrency, right? ETFs, but we
12:38don't like losing money. So, what should
12:41be in there? It's really based off three
12:43factors: age, income, and wealth. The
12:46older you get, the less money you should
12:48risk in the market. There's a rule in
12:49finance called the rule 100. Take 100
12:51minus your age. 100 minus a
12:5450-year-old's age is 50. That means half
12:55their funds should be in variable
12:57accounts. You should be investing in
12:58stocks, being a little more aggressive.
13:00Maybe a 20-year-old, 100 minus 20 is
13:02what? 80. 80% of your funds should be in
13:04variable accounts. While you're young,
13:05you can take more risk. Well, if you're
13:0765, 100 - 65 is 35. That means 35% of
13:11your portfolio should be in more risky
13:13investments. I meet clients all the time
13:15that are 90% risk and they're in their
13:1850s and 60s, right? And the next thing
13:20here is your income and your wealth.
13:21Guys, if I'm if I make a million dollars
13:23a year, I got low debt and I lose $2,000
13:25in the stock market, am I hurting? No.
13:27It's a drop in the bucket right now. If
13:29I make $85,000 a year and lost 10 grand,
13:31does that hurt a little more? It does.
13:33Definitely does. And the last one here,
13:35guys, is index. It's safe and it grows.
13:39Kind of has the best of both worlds. If
13:41you heard of a guy named Warren Buffett,
13:42he's a financial guru, a decayer, has
13:44all these books on money and finance.
13:46He's got two rules to money. His first
13:49rule of money is rule number one. Do not
13:51lose money. Makes sense. Check the list
13:53off. Don't lose money. Second rule of
13:55money is do not forget rule number one.
13:58Keeps it simple. Just don't lose money.
14:01Here's a problem. A lot of our loved
14:02ones, co-workers, colleagues, friends.
14:04All we're ever taught is 401k and
14:06checking account. 403b and savings, CDs,
14:09stocks, mutual funds, bonds, ETFs, and
14:11cryptocurrency. When he's saying don't
14:13lose money, he's not saying put it in
14:15the bank or in the safe. He's saying
14:17something called principal protection in
14:19most cases. What does that mean? Imagine
14:21you had $100 that was in a 401k, a
14:24retirement account, a variable account,
14:26right? Keeping the math simple. Say the
14:28stock market was down 50%. Simple math
14:30here, right? If you had $100, the market
14:33goes down negative 50%, how much money
14:35did you lose and what do you have left?
14:36You lost half of it. So, what's left? 50
14:39bucks. Now, the market always recovers.
14:42It bounces back up positive 50%. Where
14:45are we at
14:47now? Most of us say 100, right? You're
14:50at 50, back up 50. At 100. That's not
14:52how math works. At second look, you were
14:55at $50 in your account. Principal
14:57balance, it went up 50%. What do you
14:59have now? Half of 50 is what? $25.
15:02You're at $75. What does that show us?
15:05Whenever we have a correction in the
15:07market, it takes twice as much growth to
15:09get back to square one. This is why not
15:12losing money can be better than making
15:14money in some cases. And so looking at
15:16these three ways money grows, I always
15:17ask my clients oneonone or in group
15:18settings, how are you currently growing
15:20money? So for you watching this video
15:21now, how are you currently growing
15:23money? Do you currently own any fixed
15:24accounts? Most of my clients say, yeah,
15:27we have a checking account, savings to
15:29manage household finances. When I ask my
15:31clients, do you currently own any
15:32variable accounts? Most of them will
15:34say, yeah, I have a 401k, TSP, I got
15:37some real estate investments. Maybe you
15:38have some stock accounts with Robin
15:40Hood, all that great stuff. Great guys,
15:42when I ask my clients, do you currently
15:43own any fixed index annuities or index
15:47universal life? Guess how many say,
15:49"Yeah, maybe one out of 10." And when I
15:52ask them why not, they say, "Chris, I
15:54never heard of it." Right? So, if you
15:56were sent this video by somebody you
15:58love or care about, someone you just met
15:59who's a friend, maybe you just came
16:00across this video on YouTube, right? And
16:02you're saying, "Man, Chris, I have no
16:03clue how index truly works." I highly
16:06suggest that you check out the person
16:08who sent to this video to learn more
16:09about that concept because our main goal
16:11here guys is teach about money and
16:13finances and if if index can be a good
16:15part of your portfolio, why not have
16:16some money there growing for you where
16:18it can be restored for you taxfree
16:20partaking the upside the market with no
16:22losses guarantee. So at this point
16:23you're probably wondering Chris like
16:24what do y'all actually do? You left
16:26Apple the person who sent me this video
16:29they're full-time with PHP agency they
16:31may be parttime they're making money
16:32parttime like what do y'all actually do?
16:34Let me go over our crusade. Now, maybe
16:36you're someone saying, "Man, Chris, I'm
16:37open to earning a secondary income as a
16:40life insurance agent." Y'all never
16:42thought in my lifetime I would say that
16:44I'm a life insurance agent. It sounds so
16:46freaking boring, guys, but we're a
16:47different type of company that wants to
16:49attract a different type of agent. So,
16:51my job here, guys, is to teach, educate,
16:54and inform. I can't say the right thing
16:57to the wrong person. If it's a good fit
16:59for a family, great. If not, no harm.
17:02Guys, I hate sales anxiety. If you're
17:04ever worked in sales, you know what that
17:05is, right? You have to close a client,
17:07put pressure on them, overcome a
17:09thousand objections. That's not my style
17:11at all. I'm going to teach you what we
17:12do for families. If it brings value to
17:14your family, great. I'm not going to try
17:16to hard sell you. And so, let me show
17:17you what we teach, how we get paid in
17:19the process on the back end, right?
17:21Maybe you're someone saying, "I'm open
17:22to making extra income." Right? And so,
17:23the first concept we teach about
17:25insurance is called term insurance. It's
17:27been around since the beginning of time.
17:28Term is very basic, right? one of the
17:30most one of the most popular um terms of
17:32insurance out there. So term is simple.
17:35Say I meet somebody. I'm a I'm a client.
17:37I meet an agent in the insurance space
17:38and I'm a I'm a husband. I'm a father. I
17:41got three kids and I need some life
17:42insurance, right? And they offer me a
17:44half a million dollar death benefit if I
17:46were to pass away that would go to my
17:48wife and kids. As a man, as a father, I
17:50should probably have that and be
17:51responsible. So, I move forward. Now,
17:52they offer me a 30-year term. Now, that
17:55means I'm covered for the next 30 years
17:57at half a million dollars in coverage.
17:59Now, I'm going to pay about 50 bucks a
18:01month for this policy. Not bad at all.
18:03Now, I'm not paying the agent. I'm
18:05paying the insurance company. The agent
18:07is just the agent representing the
18:09company. So, say I pay AIG National Life
18:12Group Pacific Life 50 bucks a month for
18:14this policy. Pacific Life says, "Chris,
18:16thank you for helping us find a new
18:18client." Okay. Absolutely. U we have a
18:21hard time finding clients in diverse
18:22markets at times. We're going to advance
18:24you what the client paid us times 12. So
18:28I as a as a agent say I'm the I say I'm
18:30the client, right? I pay the client I
18:32pay pay the pat life 50 bucks 50 50
18:34bucks a month for my policy. They
18:36advance that to the agent here times 12
18:38times our average contract to about 300
18:41bucks in commission in about 2 hours a
18:43kind of job has come money in two hours.
18:45Many jobs do scale jobs do. This can be
18:47made from home part-time serving their
18:49family from a laptop a tablet or a
18:52coffee shop in person. Now great income
18:54for the agent. What's in it for the
18:56client? Gosh, it's cheap and
18:58inexpensive. I'm paying 50 bucks a month
19:00for half a million dollars in coverage.
19:02God forbid I pass away. My family's
19:04protected. What's the downside to it?
19:06This policy expires. So, in 30 years, I
19:09no longer have insurance. Now, in most
19:12cases, am I healthier at age 35 or age
19:1565? Probably 35. So, in 30 years, when
19:18I'm age 65 and this policy
19:20expires, how much would it cost to renew
19:22it? a lot more than 50 bucks a month.
19:25So, what do most clients do? They settle
19:27for a final expense policy in their 60s
19:29and 70s for 100 bucks a month for a 25k
19:32burrow expense, which is not bad, but
19:33here's a problem for most clients if
19:35they owe a large sum on their mortgage.
19:38Does a that policy pay out their
19:40mortgage? It doesn't. And what happens
19:42when that that person passes away? That
19:44home is usually lost. And so, again,
19:46term is not bad at all. It's great for
19:47most people who are young, just getting
19:49started. It's $20 a month. for some
19:51people 18 bucks a month, 40 bucks a
19:52month, just depending on your age. But
19:54overall, it's supposed to protect you
19:56when you're younger and you're building
19:57your empire, building your wealth, um
19:59having kids, getting married, but it's
20:00usually not a one-izefits-all for
20:02everybody. The second one here is called
20:04IL index universal life insurance. Now,
20:08imagine someone saying, "Man, Chris, I'm
20:09in the market for life insurance." If
20:11you were in the market for life
20:13insurance, how long do you want life
20:15insurance for? Most people want life
20:19insurance for life. So this is covers
20:22you for life. So client says, "Hey
20:24Chris, I want a permanent life insurance
20:26policy. I want a policy that I can
20:28guarantee when I pass will pay out my
20:30family trust and and actually add value
20:32to my family trust, which is phenomenal,
20:34right?" And so with that being said, the
20:36policy is a half a million dollar debt
20:38benefit. Clients paying 250 bucks a
20:41month for this policy. A lot more
20:42expensive than the term policy. Keep in
20:44mind 95% of term policies never pay out.
20:48Why? We don't die in our 20s, 30s, 40s,
20:5150s. We live past that usually and so we
20:53end up paying that policy. It's profit
20:55for the insurance company. But in this
20:57case here, we have a permanent policy.
20:58So I'm paying 250 bucks a month. Now, a
21:01portion of that money, that premium is
21:02going towards cash value, which is that
21:04third way money grows, which is great
21:06for me. So, you know what? I don't mind
21:07doing it. I may even adjust over my 401k
21:10and putting some money into this here if
21:11it makes sense for me. And so I'm paying
21:13250 bucks a month for this policy. Now,
21:15Fidelity says, "Chris, thank you for
21:18helping us find a new client. We have a
21:20hard time finding clients in diverse
21:21markets. We're going to advance you, but
21:23Chris Hart pays us times 12 the
21:26following week." So, I put away 250 a
21:28month for a policy. The agent gets that
21:30times 12 times our average contract of
21:3250%. You'll make about 1,500 bucks in
21:35two hours of work. Now, what kind of job
21:37pays a kind of money in two hours of
21:38work? Most jobs do. This is a a great
21:41part-time opportunity for most people
21:43who could put the work in and say, "I
21:44don't mind serving people in my
21:46community." Now, this is phenomenal
21:47income. This is one of the main reasons
21:48why I got started, but not the only
21:50reason why I got started. If you're
21:52familiar with residual passive income,
21:55residual passive income. You may love
21:57this opportunity. In this industry,
22:00these companies will pay you upwards to
22:024%, sometimes three, sometimes five, of
22:05annual renewals of each client's policy.
22:07What does that mean? This client puts
22:09away 250 a month times 12. Say I make
22:11about 1,500 in commission off this next
22:13week. I also get 4% of the annual
22:16premium next year, which is how much?
22:18$120. That's not a lot of money. But
22:21wait, that's about 10 bucks a month.
22:23What if I get involved with this
22:24industry part-time and I do it for 5
22:27years, do it for seven years, do it for
22:2910 years, and I keep serving clients.
22:31And most of the companies I work with
22:33give me a 10ear block of renewals,
22:35sometimes 15, 20 years. So, I keep
22:38helping clients, building my book of
22:40business, guys. And guess what? What if
22:4270% of my clients stay on the books? 30%
22:45life happens. They cancel the policy,
22:47life happens, divorce, they cancel,
22:49whatever, things happen, death, right?
22:50Things happen in life. But what if a big
22:52solid part of my business stays on the
22:54books? Now, I'm making three, four,
22:565,000 a month part-time and residuals.
22:58Y'all, this is the second highest paid
23:00profession by professional athletes. So,
23:03it's LeBron James and then financial
23:06services. But this is America's bestkept
23:08secret. Where'd you tell that? That's
23:09tech. Going to tech. Tech is great. This
23:11isn't This isn't tech. It's healthcare.
23:13Healthcare is great. This isn't
23:14healthcare. It's real estate. Real
23:16estate is phenomenal. This is not real
23:18estate. Here's the problem, though. Um
23:21this is America's best kept, too. But
23:22guess who's not in this industry in
23:24large large comparisons? Minorities,
23:27women, gen Z's, millennials, Gen Xers.
23:30These companies don't care about the
23:32color of your skin. They care about one
23:34color. That's green. That's money. So,
23:36they're saying, "Hey, hey, if we can
23:38help teach more Gen Z's, millennials,
23:41women how to articulate index universal
23:43life insurance, how to articulate fixed
23:46index annuities, how to understand
23:47retirement plan with 401ks, TSPs, IAS
23:50will pay them a lot of money to teach
23:52people in their community about money
23:53and finances." So, y'all, that's great
23:56income as an agent. Love it, guys. It's
23:58a residual book of business. What
24:00happens when I pass away? It goes to my
24:01kids. generational wealth being passed
24:03down to my kids. As long as they pick up
24:04a a life license, I can pass that down,
24:06which is phenomenal. But what's in it
24:08for our client? One's permanent
24:10insurance. Call me bias. I'm an
24:12insurance agent. If you're watching this
24:14right now, I believe you should have a
24:16permanent insurance policy. Why? Life
24:18can happen to you. I've seen horror
24:20stories. Prostate cancer, breast cancer
24:22in your 40s, um kidney issues, um a good
24:25night in on the town caught a DUI,
24:28uninsurable now, right? So, it's
24:30important to have a permanent policy
24:32locked down your life regardless of what
24:33job or career path you have because no
24:35matter where you go, that policy goes
24:37with you. Two, cash value between 0 and
24:4012%. Some companies offer caps of 12%
24:43growth for your money. No banks offering
24:44anywhere near that with principal
24:46protection. Three, tax-free access under
24:49tax code
24:517702. This tax code allows you to borrow
24:53loans from a policy tax-free. And then
24:56four, living benefits and long-term
24:58care. Um, I ask my clients all the time,
25:01and what's your plan for long-term care?
25:03And guess what most of my clients say? U
25:04my kids will take care of me. Your kids
25:07probably aren't taking care of you. I
25:09want to bet on that happening, right?
25:10And so, when it comes to long-term care
25:12strategies, most of the current ILS
25:15index universal life insurance policies
25:16come equipped with long-term care
25:18riders. If you were to get sick, cancer,
25:20heart attack, stroke, Alzheimer's,
25:22dementia, you can now access your death
25:25benefit as a living benefit for free.
25:27Why? These companies want your money, so
25:29they innovate. Here's a problem, guys.
25:31You buy new iPhones, how often? Most of
25:34us, every two, three years. You buy
25:35cars, how often? Every seven, eight
25:37years. How often do we buy new life
25:40insurance
25:41policies? Maybe once or twice in a
25:43lifetime. We have no clue what's out
25:45there with the latest and greatest
25:46innovation within insurance. And the
25:48last one here, guys, is a private
25:50pension conversion. Imagine having an
25:52insurance product that you funded for
25:5410, 15, 20 years. At the time of
25:56retirement, you can activate an income
25:59for life rider where you see receive a
26:01check for the rest of your life. We
26:03aren't normally taught that when it
26:04comes to insurance and a lot of our
26:06clients had no clue it even exists. So
26:08the last one here guys as I wrap up is
26:10the annuity here. Uh imagine if you knew
26:13anybody that had a 401k TSP, an IRA,
26:16right? Roth IRA. Maybe you knew somebody
26:18who was former military, the guy with
26:20the Marine Corps, the Navy, the Army,
26:21they had a OTSP. And when you leave that
26:24position in the military, you leave your
26:26old job, you're you go, you retire, that
26:28money should be rolled over into what we
26:30call an IRA, a individual retirement
26:32account. We get paid here to protect
26:34IRA. So, how does that work? Imagine you
26:36met somebody that had 250K in a TSP,
26:39401k, 40B. You're an agent here at our
26:41firm and that person says, "Hey, I want
26:43to protect this money from market risk."
26:45And you offer them a fixed index
26:47annuity. Now, Fidelity says, "Hey,
26:50welcome to our firm here. Uh, thank you
26:51Chris for the introduction. We're going
26:53to advant advance you Chris 8% in this
26:55example here. Some are higher, some are
26:57lower. 8% um commission on the money
26:59being moved. This money won't come from
27:01the client's pocket. It comes from the
27:03insurance company for us finding a
27:05client for them. So a4 million rollover
27:08from a from a TSP to an IRA on 8% is
27:11$20,000 times our average contract. Some
27:13are higher, some are lower. $10,000 in
27:16commission. That's not bad for a couple
27:18hours of work. Now, what's in there for
27:20our client? Uncapped growth. So, there's
27:23uncapped indexing strategies tied to
27:25fixed index annuities where a client
27:27can't probably take any upside of the
27:28market, which is really good. So, if the
27:31market goes up in these next two, three,
27:32four years, I'll get the some gains in
27:34the market. Two, principal protection.
27:37Wow. So, if the market crashes, my floor
27:40is zero. I won't lose a dollar
27:42protecting someone's IRA. Three,
27:44tax-free rollover. This is a rollover,
27:47not a distribution. So that client can
27:48now roll over funds from a 401k TSP IRA
27:51into a qualified plan where guess what
27:53they aren't paying any taxes giving
27:54their account time to be preserved to
27:56grow for them until they retire. And
27:58then four, my favorite here guys,
28:00private pension conversion. What's the
28:03number one reason or the number one
28:04benefit of being a government employee?
28:06Can you guess it? When I ask this
28:08question every week to my clients, the
28:10number one benefit of being a government
28:12employee is the pension. I work 20 years
28:14of service, 30 years of service. I get a
28:16guaranteed check for life. What do we
28:18strive for? Pensions to get a guaranteed
28:20check, social security, which tells us
28:22something really big about retirement.
28:24Retirement is not about how much money
28:25you have saved up. But how much income
28:28is coming into your household guaranteed
28:30for life and a lot of us didn't work for
28:32the government. We worked a private set
28:34job. You had a 401k. We were
28:35entrepreneurs maybe. And we have no
28:37guaranteed income. Maybe social security
28:39if it's still there for us when we
28:40retire. And so we help clients plan for
28:43predictable income for life by saying,
28:45"Hey, I have a whole IRA, old 401k, TSP.
28:48I'mma roll it over into a fixed index
28:49annuity and do a contract with an
28:51insurance company. Give me a guaranteed
28:54check for the rest of my life. Even if I
28:56outlive the money, it's at zero. They
28:59have to keep cutting me a check." Cuz we
29:02all know somebody, they went back to
29:03work in their 70s. What do they usually
29:06say? I got bored, Chris. You know, I was
29:09work working for so many years. I'm at
29:10home now. I'm bored watching TV. And
29:13some people actually get bored, but most
29:15weren't bored. They ran out of money.
29:17They're working at Target, Walmart,
29:19checking off receipts. Nothing wrong
29:20with those jobs at all. But they don't
29:22want to do that. They retired at age 65.
29:25Now they're age 77, 12 years later with
29:28inflation, eggflation, cost of gas,
29:31food, things cost more money, taxes.
29:33Guess what? they're living off the IRA
29:35and they're saying, "Man, I don't I
29:36can't keep going at this rate. I need to
29:38bring in extra income." Imagine knowing
29:41down to the penny what you're going to
29:42bring home per month for the rest of
29:43your life. So, you can plan for that and
29:45be more predictable going into your mid
29:47late 50s, early 60s. And the last one
29:49here, guys, imagine getting a 10% bonus
29:52on that rollover. Imagine a company
29:54saying, "Hey, if you roll over your
29:55funds with us, we'll give you 10% of
29:57your premium deposit day one." So,
29:59taking a quart million in cash to
30:02$275,000. which is phenomenal, which is
30:05guaranteeing me 10% growth on my balance
30:07that year, regardless of what happens in
30:10the market. And in some cases, there's a
30:13back-end bonus tied to income of up to
30:1675%. And so, guys, as I wrap up here, if
30:19you're saying, "Man, Chris, I can
30:21possibly see myself doing this
30:22part-time. We have a great program here.
30:24We'll teach you and we'll train you." If
30:25that's you guys, the next step in the
30:27process is quite simple. This is a
30:29highly regulated industry. It requires
30:31passing a background check. If you have
30:33any felonies dealing with money or
30:35misdemeanor, you can have a hard time
30:36working with us. It's not us, it's the
30:38industry, it's our states. And so that's
30:40that could be tough. But if you're good
30:41there, guys, that next step is getting
30:43licensed. Licensing cost you a couple
30:45hundred bucks depending on the state you
30:46reside in in the future. What's great
30:48about our licensing process here in
30:50insurance is that, hey, say I'm licensed
30:51in Maryland. I pass a test. I study for
30:54it. I take it online. I pass the test. I
30:56got a buddy in Virginia. I got a buddy
30:58in DC. I got a buddy in Florida, Texas.
31:00I can go online to a site called
31:02nipr.com. I can purchase that license as
31:06a non-resident license without any test.
31:08Meaning that I can take one test and buy
31:11the rest. Unlike most professional
31:12licenses like real estate, this requires
31:14one test to buy the rest. It may require
31:16continuing education after 2 years or
31:18so, but it's a very low barrier of entry
31:21to get involved with part-time to go out
31:23there and learn about money and
31:24finances, have a professional license,
31:25and serve families. And the last thing
31:27here guys is our platform P19 that
31:29really gives you access to a a quite
31:31robust system here at a company called
31:32Integrity. We're owned by Integrity
31:34Marketing Group. We're the biggest assur
31:36of health, welfare, insurance policy in
31:38the country. We're a privately owned
31:39company located out of Tech Dallas,
31:40Texas. If you if you look at the the
31:42screen here, our team leadership guys,
31:44um our our chairman of our board is a
31:45guy named Steve Young. Maybe you watch
31:47football in the '90s. He's a Hall of
31:48Fame quarterback. U played ball with Jay
31:50Rice. He's a he's a chairman of our
31:52board of our company. Um Brian Adams is
31:54our co-founder and CEO, right? was
31:56labeled one of the top 100 CEOs by
31:57Forest Magazine just last year in 2024.
32:00And so we have a great team here of
32:02partners and leaders that help lead our
32:04team. One thing that we're really
32:05striving for, guys, is also diversity.
32:07So my wife and I had the opportunity uh
32:10to partner with integrity marketing
32:11group as an integrity partner office
32:13here recently. So our office gets
32:14support from Integrity from technology
32:16to system. And in Terry really just saw
32:18that my wife and I were building a
32:19business in insurance distribution
32:21space. They saw that this is a couple
32:22that's reaching diverse markets,
32:24reaching Gen Z's, millennials, all walks
32:26of life. They want to partner with us
32:28and they really strengthen our
32:29credibility and access to technology
32:32through Life Center in terms of things
32:33they have available to us. And so you
32:34get access to all that by becoming an
32:36agent here at our firm, which is pretty
32:38phenomenal. And so we'll take care um a
32:40lot of support for you. Um payroll is
32:42done through you through our system for
32:43you. Um compliance, we take care of for
32:44you in many cases. We'll help you out
32:46with support and licensing. Um, we have
32:47local we have special trainings and
32:49events usually annually at maybe in
32:52Vegas or local conferences where you can
32:53come partake in. And we have local
32:55support here where I'm at in in
32:57Maryland, the DMV area, whether I'm in
32:59DC at this time, you're watching the
33:00video, I'm in Virginia, or you know, I'm
33:02still in Maryland. Um, we have access
33:03here to our office training here. We
33:05have in-person training about 3 to four
33:07days a week in person and online Zoom 4
33:09days a week. So, there's many access
33:11points for you to come into our office
33:12or hop on Zoom to learn this new skill
33:14set part-time to make additional income
33:17for your family. And the last thing
33:18here, guys, is our tech enabled back
33:20office. You get access to a PHP agency
33:22office platform called Bamboo where you
33:24can track your numbers, check your CRM,
33:26check clients, track your clients, all
33:28that good stuff that really allows you
33:29to also get access to online bills
33:31through an app called Quest where you
33:33can learn about annuities, ILs, um,
33:35infinite banking concepts, whole life
33:37products as a part-time agent guide. So,
33:39as I wrap up here, I'll end with this
33:41here, guys. Um, I'm a PK. If you know
33:44what a PK is, uh, it stands for pastor's
33:46kid, preachers kid, right? I was born
33:48and raised in a household my dad was a
33:49pastor. Um, my mom was an evangelist,
33:52which is a little more serious, right? I
33:53had an evangelist. And as an evangelist,
33:55my mom had a bullhorn, old school
33:57bullhorn that she would keep by her
33:58door, right? And, um, Saturday mornings
34:00at 8:00 in the morning, we'll go out to
34:02South Central. We live in Compton,
34:03California, and she would go for
34:05bullhorn and go preach the gospel and
34:06lay hands on prostitutes, drug addicts,
34:08gangbangers, and it's part of what we
34:10did as a family. Um, my dad did some
34:13time in prison in the 70s, got out in
34:15the in the 80s, met my mom and um they
34:17they fell in love and all that good
34:18stuff. And you know what? Uh, he had a
34:20love for for for men who were
34:22ex-convicts getting out of prisons. He
34:24would help them rehabilitate them and
34:25show them the best way of loving God and
34:27finding peace in Christ, right? And so
34:29my family was always giving, owning
34:31nonprofits, serving the community.
34:33Here's what I found. We were always
34:35giving back. We were broke. We were
34:37broke. Um, most my childhood, we were on
34:40food stamps. Uh, I didn't have the best
34:42clothing. I shot that Pay Less Shoe
34:44Source, if you know what that is, man.
34:46At the at the Air Seas, not the Air
34:47Jordans, Air Seagas. And, uh, it was it
34:50was it was what it was. But here's what
34:51I always thought. I said, "We love God.
34:54We honor God. We're going to church. We
34:55love people, but we're broke." So I
34:58thought good people who love God are
35:00broke. And I would sit there and think,
35:02man, I want to love God, but can I have
35:05some money, too? And so I was born, bred
35:08in a nonprofit environment, a heart for
35:11serving. It's still in me. But I was
35:13looking for a place in business where I
35:15can make impact and influence still, but
35:18also income. So when I found the
35:20insurance industry, when I found the
35:22void, the need for people in my
35:24community to learn more about money and
35:25find out, I said I can go out there and
35:26generally serve people and make money in
35:29the process. My LLC is SOS Financial
35:32Agency. Since we're sold out servants, I
35:34believe people in business who serve the
35:36most always earn the most. So if you're
35:38someone saying me, that's me, Chris,
35:40looking for a place where I can make an
35:41impact and influence, but also make
35:42phenomenal income because money solves
35:44most of my life's problems. You found it
35:46today watching this video. So, if it's
35:48you, you following probably three
35:49groups. Group one, you're saying, "Man,
35:50Chris, I own a story part-time." If
35:53that's you, I got three guarantees for
35:55you, right? First guarantee, you will
35:57learn a lot about money working with us.
35:59401ks, TSPs, IRA, infinite banking
36:02concepts, tax code 7702, right? Say you
36:05come on board part-time, you walk away
36:07in 6 months, we're still good friends,
36:09but you walk away with a wealth of
36:10knowledge on money and finances. Is that
36:12a good thing or a bad thing for your
36:13family? That's a great thing, man.
36:15Second guarantee. If you're working with
36:17us and you're licensed by your state as
36:19a professional in the insurance space,
36:20you're probably going to help people you
36:21love and care about. Mom, dad, brother,
36:23sister, cousin, co-orker, friend,
36:25neighbor. And you're probably going to
36:26introduce them to National Life Group,
36:28Fidelity, Pacific Life. They're going to
36:30say, "Hey, cousin, brother, sister, I
36:32need this policy. I I want to build
36:34wealth in the IL." And when you walk
36:36away in 6 months, they'll they're
36:37protected and their retirement is secure
36:39because of your decision to work with us
36:41part-time. And the last guarantee, guys,
36:43you're saying, "Man, Chris, I'm looking
36:44for a place to increase my overall
36:46income and wealth." In order to increase
36:47your income and wealth, you must first
36:49increase your identity. How do you do
36:51so? By the books you read, the meetings
36:53you attend, people you associate with.
36:55If you're running with us, we're going
36:56to push you. We're going to challenge
36:57you as a man and woman to level up. We
37:00can't guarantee any income, but we can
37:01guarantee one thing. If you do grow
37:03yourself, grow your mindset, grow your
37:04identity, your income and wealth usually
37:06always increases, guys. And so if you're
37:09saying me and Chris, I'm open to just
37:10learning more about money and finances,
37:11serving my community, increasing my
37:13overall identity and income and wealth.
37:15I don't see any reason not to move
37:16forward unless you do. Person two, you
37:18got some questions. I would advise you
37:20to reach out to the person who sent you
37:21this video. They'll answer your
37:22questions for you. Maybe even get you in
37:24contact with myself. I can answer
37:25questions for you also. And the third
37:26person is saying, "Man, Chris, great
37:28presentation. I've got no passion to
37:30ever work in the insurance industry, but
37:32you know what? Right now, I'm working at
37:33a job that I love. I'm walking in my
37:35purpose. I make phenomenal income. I got
37:36some retirement accounts here. IRA,
37:38401k, TSP. I have no clue what to do
37:41with it. Never heard of fixed index
37:43annuity. Never heard of index universal
37:45life. I just want to learn more for
37:47myself. If if that's you, whoever sent
37:49you this video, respond back to them and
37:50say, "Hey, man. I'm open to learning
37:52more about the about ILS. I want to more
37:54about fixed index annuities. I want to
37:56learn how I can protect my money or
37:58build wealth taxree." If that's you,
38:00just reach back out. We'll get back get
38:02back out to you. What we're going to do
38:03is quite simple. Sit down with you and
38:05ask questions. We can never guarantee if
38:07an ILO is right for you. We'll ask
38:09questions like, "Hey, what's your
38:10long-term plans in saving, retirement
38:12planning, college for kids, taking care
38:14of aging parents, um buying your first
38:16home, investing in real estate, and
38:18based off your financial goals, will fit
38:20a plan together for you." So, like I
38:22said, person one want to get started
38:24part-time. Person two, I've got some
38:26questions. Person three, I'm open to a
38:28free no look obligation and my own
38:30personal finances guide. With that being
38:31said, guys, happy you stay to the very
38:33end. Again, I want to encourage you to
38:35make a decision to just take the next
38:37step and learn more about this process
38:38here at our firm so we can bring value
38:40to you long term, too. God bless.

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