📅 Friday Zoom Session – October 17

Meeting Purpose:

To provide an overview of Creative Capital Strategies' (CCS) financial planning approach using specially-designed whole life insurance policies, and to address common client and prospect questions.

✅ Key Takeaways

• Specially-designed whole life insurance is used as a tax-advantaged savings and financing tool, often outperforming traditional investments.

• CCS’s strategy focuses on reducing taxes, increasing financial control, and providing more spendable income in retirement compared to 401(k)s/IRAs.

• Policies can be leveraged to finance major purchases or investments at more favorable rates than conventional lending.

• The CCS team offers a highly educational, ongoing support model to help clients maximize policy benefits.

🧑‍💼 Team Introductions

• Jim Kindred (Founder):

  Former securities advisor; transitioned after discovering the "living benefits" of whole life insurance. Trained under Nelson Nash.

• Kristi Osmond:

  Jim’s daughter; ex-real estate investor. Joined CCS after realizing policy performance exceeded real estate returns.

• Adam Edwards:

  Former tradesman; licensed during COVID. Drawn to CCS’s client-first philosophy.

• Shane Osmond:

  MBA holder with business consulting experience. Sees strong applications for policies in business strategy.

• DJ:

  Firefighter/paramedic; manages CCS tech and operations. Personally uses a policy and advocates to fellow first responders.

💡 Why Whole Life Insurance?

• Living benefits: Access to cash value while alive, in addition to the death benefit.

• Market protection: Guaranteed growth, independent of market performance.

• Tax-free growth and income in retirement.

• Policy loans: Finance purchases/investments at competitive rates.

• Alternative to traditional plans (401(k), IRA, real estate) with better control and tax advantages.

🔧 Policy Design & Benefits

• Designed for maximum cash value, minimum cost.

• No contribution limits, unlike traditional retirement accounts.

• Can supplement or replace other retirement vehicles.

• Provides tax-free income in retirement when properly structured.

• Allows for policy loans to fund real estate, business ventures, or large purchases.

🎓 Client Support & Education

• Weekly Friday calls: Educational sessions and open Q&A.

• 1-on-1 strategy sessions to tailor policy use.

• Investment reviews to coordinate whole life with other assets.

• Ongoing financial mentorship.

📈 Real-World Examples

• Client saved $250k in interest by using policy loan for a home purchase instead of a traditional mortgage.

• Potential to reach a 0% tax bracket in retirement by combining policy income with Social Security.

• Policy-backed real estate investing resulted in 277% returns vs 20% using only personal funds.

🧭 Next Steps

• 📖 Read Becoming Your Own Banker by Nelson Nash for foundational knowledge.

• 📩 Request a PDF of Live Your Life Insurance by Kim Butler (contact Jim).

• 📞 Schedule a discovery call to explore personal policy options.

• 🏘️ Attend next week’s client call on using policies for real estate investing.