Welcome to Truly Diversified. The podcast show for smart investors who refuse to settle for Wall Street’s one-size-fits-all playbook.
Hosted by Ben Mohr, a retirement strategist with nearly two decades of experience, this podcast pulls back the curtain on how the ultra-wealthy actually build and protect their wealth.
From life settlements to alternative investments that hedge against volatility, Ben breaks down the strategies that offer true diversification beyond just stocks and bonds.
So if you're ready to think differently, protect your retirement, and grow with confidence in any economy, you’re in the right place.
Learn more: https://www.lifeassetllc.com/
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02 | Secure Your Future: Embrace Diversity in Your Portfolio
mercredi 18 juin 2025 • Durée 21:48
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.
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.
01 | Ryan O'Toole | The Unconventional Investor: Navigating Income and Security in Retirement
mercredi 18 juin 2025 • Durée 20:40
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:
00 | Welcome to The Truly Diversified Show!
vendredi 13 juin 2025 • Durée 05:38
Welcome to The Truly Diversified Show, where your host, Ben Mohr, shares insights that challenge the conventional wisdom around investing for retirement.
Many investors find themselves overly exposed to the stock market, unsure of how to balance risk and returns as they approach their golden years. This show promises to reveal lesser-known investment strategies that can offer solid returns without the volatility of traditional stock market exposure.
You'll be introduced to alternatives that many financial advisors rarely discuss, despite their longstanding presence and success among savvy investors. The podcast will feature conversations with experts who specialize in these off-market strategies, including financial professionals and CPAs who can shed light on tax advantages and practical applications. The goal is to empower you with knowledge that goes beyond the typical buy-and-hold advice.
As economic uncertainty looms, The Truly Diversified Show aims to equip retirees and pre-retirees with tools to diversify and protect their portfolios. By peeling back the curtain on techniques used by some of the world’s most astute investors, it offers a fresh perspective on retirement planning—one that emphasizes both security and opportunity outside the usual stock market channels.
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:
Why the traditional advice from financial experts that often promotes staying in the stock market or locking money in long-term annuities with low returns is problematic.
Client investment techniques that offer decent returns without stock market risk, as well as examples of clients who have achieved double-digit returns using those strategies.
An overview of future episodes, featuring discussions on how successful investors like Warren Buffett manage their investments during market downturns.
03 | Breaking Free from Tradition: Rethinking Your Financial Future
dimanche 22 juin 2025 • Durée 18:45
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:
04 | Barry Neal | From Burden to Benefit: Transforming Unused Policies into Profitable Ventures
mardi 24 juin 2025 • Durée 25:50
In today's episode of The Truly Diversified Show, Ben is joined by Barry Neal, CEO of Life Asset, LLC.
During the conversation, Ben and Barry explore a unique investment strategy that revolves around providing financial solutions to individuals in their final stages of life. This approach offers an alternative to traditional investment avenues, particularly when the market is volatile. The discussion emphasizes how investors can step in to offer much-needed financial relief to those who are no longer able to maintain their long-term commitments.
You'll learn about the ethical and compassionate side of this investment model, addressing some of the common misconceptions about profiting from end-of-life situations. Barry explains how this process can provide a lifeline for individuals who no longer need their financial products, offering them a way to access immediate funds while also ensuring that investors can benefit from a competitive return.
This episode offers a glimpse into the returns and explains how this strategy can be a powerful tool for investors looking for an alternative to traditional market risks.
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 appeal of life settlements as an investment alternative, especially during market volatility.
The importance of selecting insurance policies with beneficiaries who have signed off and are in worse than average health, which increases the value of the policy.
Debunking the common misconception that life settlements involve profiting from someone's death.
Why selecting policies with higher life expectancy reports offer better value for investors.
The structure of a typical portfolio, and how different types of policies are bundled to create a balanced product for investors.
05 | Is Everything You Think About Annuities Wrong? Find Out Now
mardi 1 juillet 2025 • Durée 22:45
In today's episode of The Truly Diversified Show, Ben explores the complex world of annuities, often misunderstood financial products that generate strong opinions both for and against them.
You'll gain insights into the various types of annuities, from single premium immediate annuities to fixed indexed annuities, and debunk common myths surrounding their risks and rewards. While some people benefit from these products in specific scenarios, Ben outlines the danger of generalized views, highlighting the hidden pitfalls of certain annuities, such as misleading sales tactics and unrealistic expectations of returns.
The discussion also takes a critical look at how annuities are marketed, calling attention to the flaws in the industry's sales tactics. Learn why, despite the guarantees that often come with annuities, the costs and complexities involved can leave consumers feeling misled. Ben explores alternatives to traditional annuities, like life settlements, a strategy used by the ultra-wealthy to secure double-digit returns with minimal risk.
This episode stresses the importance of fully understanding the products being sold and making informed decisions based on one's financial goals.
If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today!
Enjoy!
Key takeaways:
The concept of Single Premium Immediate Annuities (SPIAs), and why they're rarely sold.
The potential for significant losses in variable annuities, especially if the market performs poorly.
06 | Unlock Hidden Wealth: How Life Settlements Can Boost Your Portfolio
mardi 8 juillet 2025 • Durée 18:40
In today's episode of The Truly Diversified Show, Ben explores a lesser-known financial strategy that sidesteps the volatility of traditional stock market investing: Life Settlements.
As market fluctuations continue to rattle portfolios and retirement plans, the discussion looks at a powerful but often overlooked option that’s gaining traction among savvy investors, including some of the world’s wealthiest names. Ben reflects on how education, access, and diversification are changing the investment landscape, particularly for those seeking stability and strong returns without exposure to market swings.
You'll be taken behind the scenes of real-life case studies where investors have reaped double-digit returns, all while avoiding the risks and emotional rollercoaster of market-based assets. The discussion outlines the mechanics of the investment itself, its historical exclusivity, and how it’s gradually become available to everyday investors. Importantly, you'll discover that this strategy isn’t about selling your own policies, but about learning how to become an investor in a market once reserved for the ultra-wealthy.
If you’re ready to look beyond the familiar and explore options built to weather economic storms, this is a conversation worth tuning into. Curious how to invest in life settlements? Reach out via the show site or drop us a DM—we’re happy to chat.
If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today!
Enjoy!
Key takeaways:
The concept of life settlements, an investment where individuals sell their permanent life insurance policies to investors.
13 | Barry Neal | Unlock Explosive Returns with Life Settlements That Outperform Stocks
mardi 26 août 2025 • Durée 22:03
In today's episode of The Truly Diversified Show, Ben is joined by Barry Neal, CEO of EquiLife LLC.
In this fascinating conversation, Ben and Barry discuss a unique investment space that many people still find confusing. Rather than relying on hypotheticals, they break down real numbers from recent cases to show how investors are seeing tangible results. With nearly $5 million in payouts this year, these strategies have delivered consistent, competitive returns that rival traditional investments.
Hear how these investments compare side by side with benchmarks like the S&P 500, with some outperforming the market while avoiding exposure to its volatility. Barry walks through three recent cases, revealing double-digit annualized returns, including one payout expected to surpass 20% APR. The discussion underscores how this approach has matured over the years, with a track record investors can now evaluate with confidence.
For those seeking ways to diversify beyond traditional equities and real estate, this episode provides a clear look at how an alternative path can offer meaningful, reliable growth opportunities. Want to grow beyond stocks and real estate? Learn how life settlements can add stability and double-digit returns to your portfolio.
If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today!
Enjoy!
Key takeaways:
The differences between life settlement returns and the current stock market, using the S&P 500 as a benchmark.
The importance of diversification and the benefits of life settlements as an alternative investment.
12 | Don’t Miss Out How This New Law Could Skyrocket Your Retirement Savings
mardi 19 août 2025 • Durée 20:14
In this episode of The Truly Diversified Show, Ben dives into a recent change that could fundamentally alter the way millions of Americans manage their retirement savings.
Traditionally, employer-sponsored retirement accounts have offered a narrow set of investment options tied directly to the stock market, offering participants little control over how their funds are invested. This long-standing limitation has often been criticized for stifling creativity and diversification in retirement planning.
You'll learn about a new policy shift that's opening the door to opportunities that were previously reserved for high-net-worth individuals. Hear how this change could make it possible for everyday investors to explore asset classes beyond the standard mutual funds and ETFs, potentially including sectors like real estate, private equity, and other alternative investments. While the move is being celebrated by advocates for financial choice, it’s also drawing pushback from critics who claim these investments are too complex or risky for the average participant.
While the implementation details are still unfolding, this episode frames the development as a major step toward empowering individuals to take more control of their retirement strategies.
If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today!
Enjoy!
Key takeaways:
President Trump's new law, which allows 401(k) investments in private equity, will open up investment options beyond the stock market for 401(k) holders.
The limited investment options available through 401(k) custodians such as mutual funds, ETFs, individual stocks, and bonds.
11 | Unlock Billionaire Secrets to Explode Your Roth IRA Gains
mardi 12 août 2025 • Durée 20:48
In today's episode of The Truly Diversified Show, Ben dives into the story of a high-profile billionaire who used a little-known financial strategy to shield billions of dollars from future taxation.
While Peter Thiel's name might be familiar from headlines about tech and startups, the real story lies in how he legally navigated the tax code to transform the way his wealth will be accessed in retirement, and how everyday investors can learn from this approach. But there’s a twist: most people misunderstand a key concept that makes this strategy possible, and that misunderstanding is costing them money.
You'll discover the critical difference between two similar-sounding financial terms, revealing how one small letter can change everything. He explains why many Americans mistakenly believe they don’t qualify for certain retirement tools, and how that belief limits their ability to take full advantage of tax-free growth. Using easy-to-follow examples and real-life scenarios, he outlines how even modest earners can implement this strategy in a way that fits their income, tax bracket, and retirement goals, without needing billions in the bank.
If you're looking for a smarter path to retirement income with less tax drag, this episode offers insights that might change the way you think about your financial future.
If you've enjoyed this episode of The Truly Diversified Show, be sure to leave a review and subscribe today!
Enjoy!
Key takeaways:
How Peter Thiel saved billions by using a Roth conversion to move over $5 billion tax-free.
The concept of a Roth IRA, designed as a way to pay taxes upfront, allowing tax-free growth and withdrawals in retirement.
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.
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
The importance of diversifying investments as one heads into retirement.
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.
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.
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.
The tax benefits of Multiple Year Guaranteed Annuities (MYGAs), including the ability to exchange money into another annuity without immediate taxation.
The importance of working with experts who understand the complexities of annuities, to avoid the danger of being sold products that don't provide promised benefits.
The potential for alternative investments to offer better returns and more flexibility than traditional annuities.
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.
The financial benefits of selling a life insurance policy, including the ability to receive a lump sum of money.
Real-life examples of life settlement payouts, as well as the consistency and reliability of these returns, which are not affected by stock market fluctuations.
Why the involvement of top-rated insurance companies in life settlements ensures the reliability of payouts.
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.
The value of long-term investment strategies and the potential for significant returns.
The impact of various market conditions on EquiLife's returns, and why they are not affected by short-term market fluctuations.
The tax implications of life settlement returns, as well as why they are typically taxed as long-term capital gains, are the most favorable kind of tax treatment.
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.
The difference between self-directed IRAs and 401(k)s, and how the new law aims to bring the flexibility of self-directed IRAs to 401(k)s.
The criticism of the new law, and why media articles appear to contain a pro-Wall Street bias.
Why having greater investment options gives investors more control, and why this new law will provide those options.
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.
How conversions provide a way to move money from other retirement accounts to a Roth IRA.
The 'Rule of 72,' and how $100,000 converted at age 50 could grow to $400,000 by age 70, all tax-free.
The importance of diversifying investments to mitigate risks and ensure long-term growth.
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.
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