Edward Collins

The HSA Strategy Almost No One Talks About Let’s talk about one of the most underutilized tax strategies out there: The Health Savings Account (HSA). If you have a high-deductible health plan (HDHP), you’re eligible to open an HSA — and here’s why that matters: ✅ Tax-deductible contributions. ✅ Tax-deferred growth. ✅ Tax-free withdrawals for qualified medical expenses. That’s the triple tax benefit. No other account — not a Roth IRA, not a 401(k), not even a 529 — offers this. But here’s where it gets even better: You’re not required to use your HSA in the year you rack up the expenses. Meaning you can: Pay medical bills out of pocket now. Invest and grow your HSA balance. Collect and store your medical receipts. Reimburse yourself years — or decades — later. One of my clients used this exact strategy. She paid out of pocket for years, let her HSA grow quietly… And then used the accumulated, tax-free dollars to pay for a world cruise. Because every stored receipt turned into: ✅ Tax-free withdrawals. ✅ Grown and compounded HSA dollars. ✅ Financial flexibility — whenever she chose to use it. This isn’t just about covering doctor visits. This is about long-term, tax-free wealth strategy. Built for smart business owners who want real leverage. If you’re serious about learning how to play the game at the next level… Drop “GOB” in the comments and I’ll send you a free training. — Credit: Carter Cofield (IG) @cofield_advisor SF0664

Wyoming LLCs Are Powerful — If You Understand the Rules Let’s clear something up about Wyoming LLCs. Because what I’m about to say might sound like I’m against them… I’m not. In fact, I leverage Wyoming LLCs all the time inside what I call the Real Wealth Matrix — A framework that I designed to help business owners: ✅ Keep more of every dollar they make. ✅ Protect those dollars from creditors and litigants. ✅ Pass wealth on to the people and causes they actually care about. And yes — Wyoming LLCs offer real advantages: Strong asset protection. Anonymity for owners. Simple online management. No Wyoming state income tax. But here’s where a lot of business owners get it wrong: If you form a Wyoming LLC — but you live and operate in a different state that does have income tax — Your income is still taxable based on where it’s earned. Not where the LLC is formed. And if you’re operating outside Wyoming? You’re legally required to register your Wyoming LLC as a foreign entity in your home state too. So yes — Wyoming LLCs are an incredible tool. Especially when used as a holding company inside a properly structured wealth matrix. But strategy matters. And execution matters even more. If you want to see exactly how we stack these structures to build, protect, and pass on real wealth — Drop “YouTube” in the comments and I’ll send you the link to my new channel. This is how you win the game — legally, strategically, and sustainably. — Credit: Preston Seo (IG) @thelegacyinvestingshow SF0665

Why Saving Is Just Step One (If You Want Real Wealth) Starting is smart. But starting isn’t scaling. If you’re serious about building real wealth — through business, real estate, or investments — You need to get crystal clear on one thing: 👉 Capital allocation. Because if you’re not giving your dollars a job? They’ll go to work for someone else. Usually… the bank. And trust me — when that happens, the bank is the only one winning. Let’s bust a myth while we’re at it: Saving money is not a long-term wealth strategy. It’s just step one. The smart play? Use capital storage accounts — Tools like Treasury Bills or high-yield business accounts — to earn while your dollars wait for deployment. Then, when the right opportunity comes along, you move — fast. Whether that’s: Acquiring investment real estate. Buying bolt-on businesses or roll-ups. Reinvesting into your current business. Or upgrading your personal lifestyle and time freedom. Here’s the real truth: Your strategy doesn’t have to be perfect. But your mentorship does. The fastest way to hit your goals is to learn from people who’ve already hit theirs. Read the right books. Listen to the right podcasts. Watch the right YouTube channels. If you want to see how I approach building wealth through business ownership and smart capital moves… Drop “YouTube” in the comments, and I’ll send you the link. Let’s build smarter. Let’s build stronger. — Credit: Ashley M. Fox (IG) @_ashleymfox SF0663

Want to Avoid Taxes Like the Wealthy? Learn the Real Rules. Want to avoid paying more tax than you have to? Same. I hate the idea of sending the government a single dollar more than what’s legally required. But here’s what most people miss: The IRS doesn’t care how you feel. They care how you file. If you want to keep more of your money, you’ve got to understand the rules of the game. Here’s the breakdown: Deductions reduce your taxable income. Credits lower the tax you owe, dollar-for-dollar. Exclusions make certain income invisible to the IRS altogether. Three tools. One mission: Legally lower your tax bill. But here’s the catch — knowing which lever to pull depends on your specific circumstances. That’s why the real secret isn’t just learning tax hacks… It’s getting into the right rooms, asking the right questions, and learning from people who know how to win inside this system. So if you’re done guessing and ready to play offense, Drop “GOB” in the comments and I’ll send you the free training. The game’s being played — whether you understand it or not. Might as well learn some of the rules so you can start playing to win! — Credit: Carter Cofield (IG) @cofield_advisor SF0662

Insurance Isn’t Wealth Creation — It’s Legacy Preservation Let’s be clear — I’m not anti-insurance. I’m just anti-Financial Misinformation. Too many “gurus” pitch life insurance like it’s a magic investment vehicle that’ll build you wealth on autopilot. It’s not. Insurance isn’t an investment. It’s a risk management tool — and when used correctly, inside a well-structured estate plan, it can be a powerful way to preserve and pass on wealth. But if your goal is to build generational wealth, not just protect it… You’ve got to play a different game. Here’s the move: Focus on asset accumulation. And by asset, I don’t mean some vague financial product. I mean: Anything you control that produces cash flow. Because when you’ve got cash flow, you’ve got power. That cash flow can: ✔ Fund your lifestyle. ✔ Buy more assets. ✔ Fuel even more cash flow. I call this Compound Asset Acquisition. It’s how wealth is really built. Now… back to the Rockefellers. They didn’t use insurance to get rich. They used it to protect their wealth — once they’d already built it. If you want to understand the strategy they actually used to preserve wealth across generations, I broke it all down for you in a short video. Drop “Rockefeller” in the comments and I’ll send it straight to your inbox. — Credit: Micah Norrise (IG) @micahqueenleonard SF0661

The Truth About Deferred Sales Trusts Sell the asset. Defer the capital gains. Live off the interest. Avoid the tax. You’ve probably seen a version of this on social media. It’s called a Deferred Sales Trust — and on paper, it sounds clean. But here’s what you really need to know. First: Capital gains taxes in the U.S. fall into three main brackets: 0%, 15%, and 20% — depending on your income. And for high-income earners? There’s a 3.8% surtax layered on top. That’s the cap. Second: These Deferred Sales Trusts — especially the “monetized” ones being aggressively promoted — often get structured incorrectly. And when they do? They get flagged. The IRS has listed Monetized Installment Sales and similar “Deferred Trust” arrangements on its Dirty Dozen list of abusive tax schemes. Don’t take my word for it. Search “Dirty Dozen” on IRS.gov and read it for yourself. These aren’t casual warnings. The IRS calls these out as high-risk arrangements that can lead to: Audits. Back taxes. 20% to 75% penalties. And in some cases, civil fraud charges. So yes — it might sound like a smart play… But if it’s not done perfectly and legally sound? You’re not just deferring taxes. You’re stepping into a minefield. Know the rules. Understand the risk. Don’t chase loopholes — build structure. If you want strategies that actually hold up under audit — and build wealth for the long term — Drop “GOB” in the comments, and I’ll show you how the real game is played. — Credit: Andre Pennington (IG) @andrepennington SF0660

$100 a month starting at 25 turns into a million by 65. Wait just 10 years… and you only end up with $300,000. That’s not magic. That’s math — and the power of compounding. And for most people, a strategy like that could create enough cushion to survive retirement. But the business owners I work with? They’re not interested in just surviving. They want to thrive. That requires something more than compound interest. It requires cash flow. Not from a job. Not from a 401(k). From assets you control — real estate, businesses, or investments designed to pay you… month after month. So the real question isn’t: “How much can I save?” It’s: “How many assets do I need to produce the cash flow required for freedom?” Financial freedom isn’t simple. It’s not about luck. It’s not just about math. It’s about structure, ownership, and a plan that actually aligns with the life you want. So… What does your dream life cost monthly? And what assets are you building to pay for it? — Credit: Suze Orman @therealsuzeorman Clip from The Breakfast Club @breakfastclubam SF0411

Think your LLC is enough to protect you? Think again. Business owners often assume they’re safe because they filed the paperwork. But real asset protection takes more than a certificate from the Secretary of State. Here’s what you need to understand: 1️⃣ Inside-Out Liability. This is when something goes wrong inside your business. Maybe someone sues you over a contract, an employee incident, or a client claim. If your LLC isn’t properly maintained — meaning you’re not honoring corporate formalities — a judge can pierce the veil and come after your personal assets. 2️⃣ Outside-In Liability. This is when something happens outside your business — a car accident, a divorce, a personal judgment. And now someone’s trying to take your business to satisfy a claim. If your company is in your name and easy to trace? They’ll find it. They’ll take it. That’s why anonymity and structural layering matter. It’s not just about forming an entity. It’s about how you operate it, who owns it, and what level of visibility you allow. Want to learn how to build a legal firewall between you and the rest of the world? Drop GOB in the comments and I’ll send you a free training that breaks it all down. Play smart. Protect your empire. — Credit (IG): Russell Thompson – @succeedconsultingfirm Eric Thomas – @dreammotivates SF0672

Heard of the “Business Trust Loophole” in California? Let’s set the record straight. What’s being talked about in this video isn’t some secret tax-dodging strategy. It’s a smart workaround for one specific pain point: 👉 California’s $800 Franchise Tax. (Not really a “tax” — it’s more like a recurring fee for the privilege of doing business in the state.) ✅ LLCs? Subject to it. ✅ Corporations? Yep. ✅ Limited Partnerships? Most of the time. ❌ Statutory Business Trusts? Not so much. So using something like a Wyoming Statutory Trust as a blocker entity can absolutely help reduce your friction if you own multiple properties or investments tied to California. But here’s what this strategy won’t do: 🚫 Eliminate your California income tax obligations. If you live there… if you earn money there… California still wants its cut. Period. So yes — this is a legitimate structure play. But don’t confuse structural optimization with true tax strategy. Want both? ✅ Proper entity structure. ✅ Legit tax reduction. ✅ Legal asset protection. Then you need more than documents. You need strategy that fits your situation. If you want to explore whether I’m the right person to help you do that, drop “apply” in the comments, and let’s find out. Let’s stop surviving California’s tax code — and start outsmarting it. — Credit (IG): @andersonadvisors SF0763

Insurance vs. Investments — Which Is Better? That’s like asking if a restaurant is better than an automobile. Different tools. Different jobs. Different outcomes. Let’s break it down: 401(k) = Investment Tool ✅ Tax-deductible contributions. ✅ Tax-deferred growth. ❌ Taxable withdrawals in retirement (when you don’t know what future rates will be). IUL = Insurance Tool ✅ Risk mitigation. ✅ Tax-free death benefit. ✅ Optional riders for long-term care or terminal illness. ❌ Not an investment replacement — and not without costs. Here’s the truth: Too many people confuse insurance features with investment functions. And when you blur the lines between these tools… You end up overpaying, underperforming, or exposed to risk. So, which is better? Neither. The better question is: 👉 Which tool best supports my strategy — based on my goals, timeline, income, and risk appetite? That’s where real wealth planning starts. If you want help figuring that out, drop “apply” in the comments, and let’s talk. No pressure. Just real clarity. — Credit (IG): Eric Bosworth - @itselevatederic SF0671

Thinking About Asset Protection Trusts? Read This First. For years, wealthy individuals protected their assets by moving them offshore. Why? Because many international jurisdictions don’t recognize the authority of U.S. courts. So even if you got sued here, your offshore trust was untouchable. Eventually, lawmakers caught on — and introduced a U.S.-based alternative: Domestic Asset Protection Trusts (DAPTs). Sounds great, right? Here’s the part most people miss: ✅ Every state has its own rules around DAPTs. ✅ Many states don’t allow them at all. ❌ And if you don’t live in the state where your DAPT is formed, your protection may be weak at best — or nonexistent. Let’s say you live in State A (no DAPT statute). But you form a trust in State B (that does allow DAPTs). If you’re sued in State A, a judge there can still go after those trust assets in State B. That’s where the Full Faith and Credit Clause comes in. And why jurisdiction matters. It’s not enough to have a document that looks protective. You need a strategy that matches your real-world circumstances. Because the right trust structure can safeguard your wealth — But only if it’s designed with precision. If you want to find out whether I’m the right person to help you build that plan, Drop the word “apply” in the comments — and let’s see. No pressure. Just clarity. And maybe, the right next step. — Credit: (IG) @sset.protection.planners + @thebusinessguy7 SF0669

Life Insurance ≠ Wealth Creation — But It Can Preserve It Every time I talk about life insurance, people assume I’m about to rip it apart. So let me be clear: ✅ I don’t hate insurance. ✅ I actually think it’s an incredible tool — when used the right way. ❌ What I do take issue with? The way it’s hyped online like it’s some magic investment vehicle. Here’s the truth: Life insurance is not an investment. It’s a risk mitigation tool — plain and simple. When it comes to building generational wealth, insurance is rarely the vehicle. But when it comes to preserving that wealth across generations? It’s one of the best tools available. That’s why I call its role: Wealth Preservation. And for that job, it’s nearly perfect. Want proof? Look no further than the Rockefeller family. They didn’t create their empire with insurance. They used insurance to protect what they built — So each generation could benefit from the legacy without starting over. If you’re curious how that strategy actually works — And want to see how to apply it in your own life? Drop “Rockefeller” in the comments and I’ll send you the video that breaks it all down. This is how legacy is built — not just for you, but through you. — Credit: Carter Cofield (IG) @cofield_advisor SF0668

Making Your Money “Invisible”? Let’s Talk About What That Really Takes “Make your money invisible.” Sounds slick on social media — but here’s how it actually works. There are more than 77 types of trusts in the U.S., and every single one falls into one of two categories: ✅ Revocable. ✅ Irrevocable. But here’s what most online “experts” never mention: 👉 Every state in the U.S. has trust statutes on the books. Which means this idea of a “common law trust”? Outdated. Misleading. Legally irrelevant. There is no such thing as a “common law trust” anymore. All trusts must comply with the legal framework of the state they’re created in. And if your goal is to: Keep your name off the asset. Protect your wealth from lawsuits, creditors, or opportunists. Preserve your legacy for the next generation. Let me be clear ... Revocable Trusts have no Asset Protections whatsoever. Then the only real tool for that job is an Irrevocable Trust. But here’s the trade-off with an Irrevocable Trust: You can’t move assets out of your name and still benefit from them personally. If you try to “have it both ways,” That’s called a sham trust — and any competent judge will unwind it in court. So yes — Irrevocable Trusts are powerful. But they require: ✔ Strategy. ✔ Intention. ✔ Legal precision. Not marketing gimmicks. If you’re ready to stop playing the social media game and start learning the real rules of building and protecting wealth… Drop “GOB” in the comments and I’ll send you the free training. Let’s build protection that actually holds up — not just on paper, but in court. — Credit: Gene R Boykin Jr (IG) @thegogetterfamily_ SF0667

Trusts Don’t Build Wealth. Strategy Does. There are 77 types of trusts in the U.S. But really, it all comes down to two categories: Revocable and Irrevocable. Simple? Not exactly. Because the real magic isn’t choosing a category — it’s choosing the right strategy for your assets. Here’s one thing I can tell you for sure: Never transfer retirement accounts into a trust. Why? Because the IRS treats that as a full distribution — and that triggers immediate income tax on the entire account. But for everything else? It’s all about proper alignment between your assets and your trust structure. Quick breakdown: ▶️ Business assets. Consider using a Revocable Trust — avoid probate, maintain control. ▶️ Life insurance. Consider using an Irrevocable Life Insurance Trust (ILIT) — protect the death benefit from estate taxes. ▶️ Primary home or vacation property. Look into a Qualified Personal Residence Trust (QPRT) — reduce estate tax exposure over time. ▶️ Rental or investment real estate. Consider using a Land Trust — for privacy, flexibility, and additional asset protection benefits. But here’s the real key: The tools only work when the strategy is built right. That’s why you need someone who understands how to stack these structures — not just someone who knows their names. I’m a lawyer specializing in tax, estate, and business law. And for the past three decades, I’ve helped business owners play the game by the rules that actually matter. Because if you’re not playing by the right rules… You can’t win. If you want to learn the real strategies for building and protecting your legacy… Drop “GOB” in the comments and I’ll send you the free training. Build smarter. Protect stronger. Pass on more. — Credit: Markus Turner (IG) @markusturnerofficial SF0666