In this episode of The Truly Diversified Show, Ben peels back the curtain on an often-overlooked aspect of wealth management, urging you to rethink what it really means to be diversified.

While many investors take comfort in familiar financial tools and professional guidance, you'll find a candid examination of whether those trusted sources are truly working in their best interest. It’s a conversation that challenges the conventional wisdom surrounding risk, returns, and the motivations behind the advice many receive.

You're invited to question the standard model of portfolio management, especially when markets dip and explanations sound more like rehearsed excuses than personalized strategies.

Through a blend of real-world examples and industry insights, Ben explores how seemingly tailored financial plans may actually follow a well-worn, one-size-fits-all path—often leaving individual investors exposed when the tides turn. There's an emphasis on understanding the full cost of financial guidance, beyond just the visible fees.

This episode focuses on uncovering lesser-known avenues that offer stability and solid returns without being tied to the whims of Wall Street. If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today! Enjoy!

In This Episode You'll Learn:

• The lack of accountability for financial advisors during market downturns, and why they can blame external factors like politics or economic changes.
• The hidden fees associated with mutual funds and other investments, such as expense ratios and additional charges.
• How financial advisors handle market downturns, often blaming external factors and encouraging clients to stay invested long-term.
• The three categories of investments: the risk bucket (stock market), the safe money bucket (CDs and annuities), and the alternative investment bucket.
• And much more...

Resources:

Connect with Ben on LinkedIn

Life Asset LLC

Life Asset’s Email

Life Asset’s LinkTree

Contact Life Asset at (800) 410-1306

Disclaimer:

The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of The Truly Diversified Show or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their situation. By accessing this podcast, you acknowledge that any reliance on the content is at your own risk.

In today's episode of The Truly Diversified Show, Ben looks at the turbulence of the current market, discussing the frequent fluctuations caused by political decisions and their impact on everyday investors.

You'll discover the importance of diversifying your investments to avoid being at the mercy of external forces, whether political, economic, or global. While many financial advisors push for traditional market-based strategies, Ben introduces a concept often overlooked: true diversification. This strategy focuses on securing a portion of your assets in places unaffected by the volatility of the market, providing a buffer against unpredictable shifts in policy or economic cycles.

Learn why it's best to avoid common financial traps like high-risk market investments and low-return savings options such as CDs and annuities, which may not outpace inflation. Discover the risks associated with relying solely on these approaches, which often fail to offer competitive returns. Instead, Ben suggests a more nuanced strategy that includes alternative investments, ones that promise competitive returns without the vulnerability to external influences.

This episode teases a deeper exploration into how this investment model works and why it's gaining attention among savvy investors.

If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today!

Enjoy!

In This Episode You'll Learn:

• The impact of political moves on the market, leading to overcorrections and investor uncertainty.
• Why putting all your money in the market can lead to significant losses due to external forces like politics and tariffs.
• The role of inflation in eroding the value of safe investments like CDs and annuities.
• The benefits of life settlements, also known as “compassionate investing,” which offers competitive returns and insulation from market risks.
• And much more...

Resources:

Connect with Ben on LinkedIn

Life Asset LLC

Life Asset’s Email

Life Asset’s LinkTree

Contact Life Asset at (800) 410-1306

Disclaimer:

The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of The Truly Diversified Show or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their situation. By accessing this podcast, you acknowledge that any reliance on the content is at your own risk.

In today's episode of The Truly Diversified Show, Ben is joined by Ryan O'Toole, President of RMO Wealth and Insurance Solutions.

In this insightful conversation, Ben and Ryan explore an alternative approach to diversifying investments outside the stock market. With Wall Street’s volatility affecting retirement portfolios, the conversation dives into the role of annuities in providing safe, guaranteed income for retirement. Ryan, an advocate of annuities, discusses their benefits, particularly for those looking for steady income, but acknowledges that diversification is key.

You'll learn why life settlements are a growing alternative to traditional retirement strategies. While annuities provide income security, they often lack the potential for significant growth. Ryan explains how life settlements offer a unique opportunity, providing stable returns without market risk.

This episode ultimately highlights how this innovative approach can provide retirees with the stability they need, while also offering growth potential outside traditional market-based investments.

If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today!

Enjoy!

In This Episode You'll Learn:

• The role of annuities and the need for further diversification into alternatives like life settlements.
• Ryan's 20 years of experience working with insurance carriers and brokerages, advocating for annuities.
• The three key client needs: guaranteed income, protection against the market, and growth potential.
• The concept of “orphan accounts” and the importance of addressing small, often ignored parts of clients' portfolios.
• The suitability of life settlements for clients who are market-adverse and seeking guaranteed income and growth.
• And much more...

Guest Bio:

Ryan O’Toole is the President of RMO Wealth and Insurance Solutions and a seasoned financial professional with over 17 years of experience in the industry. A proud graduate of the University of Michigan, Ryan is also a business coach and retirement income expert who has built his firm on the principles of education, research, family values, and a deep commitment to helping others build generational wealth. Drawing on the insights of thought leaders like Tom Hegna and Dr. Wade Pfau, Ryan advocates for retirement strategies built on guaranteed income and family pension concepts. He has coached advisors nationwide and helped capture hundreds of millions in assets by designing sustainable, measurable retirement blueprints. In 2022, he founded the Insurance Consulting Group to further his mission of personalized, client-centered financial planning.

Resources:

RMO Wealth and Insurance Solutions

Connect with Ryan's LinkedIn

Connect with Ben on LinkedIn

Life Asset LLC

Life Asset’s Email

Life Asset’s LinkTree

Contact Life Asset at (800) 410-1306

Disclaimer:

The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of The Truly Diversified Show or its affiliates. The content provided is for informational and