Strategic Financial

A lot of wealthy investors

don’t sell investments when they need cash.

They borrow against them.

But…

This strategy can backfire fast if markets drop.

🎥Highlights from today’s video:

Investment portfolios can be used as collateral for loans.

This is often called securities-backed lines of credit.

That means investors can access liquidity

Without selling appreciated assets.

• No capital gains triggered
• Investments stay invested
• Cash can often be accessed quickly

This is one reason portfolio leverage shows up frequently

in real estate purchases and bridge financing.

But….

Leverage always cuts both ways.

If markets fall, lenders can require you to add collateral

or repay part of the loan.

And interest rates can be much higher than people expect.

Today’s video breaks down who this strategy works best for, and when it doesn’t.

When a “financial plan” starts with one specific product, be careful....

One of the core parts of our financial planning process is reviewing life insurance needs and making sure our clients have the right type of coverage.

It’s a really important part of a complete financial plan.

Unfortunately, what we often see is that somewhere along the way, clients were sold the wrong type of policy.

And they’re overpaying for the benefits they’re getting while missing out on other diversification and growth opportunities.

And here’s what our clients usually didn’t know when they bought the policy.

Some insurance policies like whole life can cost 5–10x more in premiums than other types of insurance, and can pay 80–100% of the first year’s premium as commission.

That creates a powerful incentive, especially for agents who don’t do full financial planning to present the product as an all-in-one solution for:

• a retirement plan
• a wealth strategy
• a savings vehicle
• a tax solution

Now, we absolutely believe insurance (including whole life insurance) has a place.

It can be a powerful planning tool when the right type of plan is used for the right reasons:

• estate planning
• legacy strategies
• liquidity for estate taxes
• certain high-income tax strategies

But it’s not a universal wealth strategy for every business owner, family, or young investor just getting started.

And should be funded at the right amounts, and at the right time.

Good planning always starts with your goals first.

Not a specific product.

If someone keeps showing up with the same recommendation for everyone…

like Groundhog Day…

that’s probably a sales system they learned, not a financial plan.

If you’ve ever wondered whether something you bought actually fits your individual plan and needs, that’s exactly the conversation we have with clients every day.

Follow along for more financial insights.

Most people think tax planning starts after they retire.

That’s backwards.

Those 3-5 “gap years” before retirement, when income dips, roles change, or you’re winding down can quietly determine:

✔️ How much you’ll pay in taxes for decades
✔️ Whether Social Security gets taxed more than expected
✔️ If Medicare premiums spike
✔️ Whether you’re forced to pull money from the wrong accounts in a down market

This window is where smart Roth conversions happen.

Where tax diversification gets built.

Where you intentionally fill lower brackets before RMDs and Social Security stack on top of you.

Miss it… and retirement becomes reactive.

Use it well… and you gain decades of tax control.

If you’re within 3–5 years of retirement, this may be the most valuable planning window you’ll ever have.

Free $1,000 for your kid? Parents, don’t miss this.

There’s a brand-new account type for kids (aka “Trump Accounts”) and if your child was born between 2025–2028, the government kicks in $1,000 to get investing started.

But here’s the question parents should be asking.

Is this account automatically better than a 529, Roth, trust, or other custodial account?

Short answer is it depends.

But it’s definitely another option we should consider.

In this quick video we break down:

✔️ How these accounts actually work
✔️ Who qualifies for the free $1,000
✔️ How this fits alongside Roths & 529s
✔️ And when this makes sense vs. when it doesn’t

If you had a baby in 2025 — don’t sleep on this.

Of course, if you had a baby in 2025, you may not be getting that much sleep anyway.

We’ll continue breaking down Trump Accounts vs. 529s vs. Roths vs. trusts in future videos.

As always, make sure you are working with a trusted advisor to determine which tools and strategies are best for you.

Share this with a new parent – or soon to be one.


#529

Too many business owners are still using the same entity structure they picked when they first set up their business….years ago….

and that could be quietly costing them six figures.

We break this down and more in our upcoming Webinar:

💻3 Costly Mistakes Business Owners Make with their Entity Structure (and how to fix them before they drain more value).

📅 Feb 18 at 8P EST or
📅 Feb 19 at 12 Noon EST

👉 Register here: [Link in bio] https://www.sfcorps.com/webinars/3-costly-mistakes-business-owners-make-with-their-entity-structure-2026

You’ll walk away knowing:

• How your current structure (LLC, S-Corp, C-Corp) may be holding you back
• The most overlooked tax-saving and retirement strategies for business owners
• How LLCs, S-Corps and C-Corps are taxed differently and their limitations
• How your business finances are tied with your personal finances
• How you should pay yourself and why that really matters
• Are you set up to make the most of an exit one day

💡So, whether you’re an LLC, S-Corp or C-Corp, if you’ve ever wondered:

“Am I actually set up the right way…or just the way my CPA picked years ago before my business really got going?”

… this webinar is for you.

Please join us next week. It’s an easy 45 minutes to make sure you are still on the right track.

Individual circumstances may vary. Osaic Wealth, Inc. and its representatives do not provide tax advice; therefore it is important to coordinate with your tax advisor regarding your specific situation.



👉 Register here: [Link in bio] https://www.sfcorps.com/webinars/3-costly-mistakes-business-owners-make-with-their-entity-structure-2026