• Choice – The Foundation Principle of Freedom Part 1

    July 29th, 2014

    freedomThe very topic of freedom makes my heart beat faster. It makes me feel alive; it moves me to action. I’m reminded of feelings aroused by the movie, Braveheart. By the passion of hero William Wallace, “Aye, fight and you may die. Run, and you’ll live…And dying in your beds, many years from now, would you be willin’ to trade ALL the days, from this day to that to have the chance, one chance, to tell our enemies that they may take our lives, but they’ll never take… OUR FREEDOM!!!”

    What choice would you have made at that moment?

    Choice, in my opinion, is our most precious gift, besides life itself. It is the freedom to choose what we will or will not believe or do or live for. Choice is the foundation of who we are, as individuals, because it allows us to act on our own thoughts and shape our own future…who we are and who we will become.

    Choice presumes life and liberty; which, in turn, presumes the right to property. And property inspires the desire to trade, improve and create. Ultimately, in this foundation of life, liberty and property, it is a free economy that advances our ability to act and is critical to the one greatest pursuit of all mankind – the pursuit of happiness.

    At this point, it is important to note that the natural course of “freedom of choice” demands the principal of consequences. Good choices result in good consequences and create an environment in which happiness abounds. But the reverse is also true. And while some say that they want the freedom, they are unwilling to give up the dole and welfare programs that rob them, and others, of freedom. Poor choices bring bad consequences.

    Unfortunately, today, some of the greatest attacks on our freedoms have come from within the borders of our own country by those that should be promoting our freedom the most. For example, the recent financial bailouts in the banking and corporate finance world, the debt strategies of our federal government and the legislation that allows mismanagement and greed to rule our economy, has robbed the American people of both our right to produce and our hard-earned resources. Our money.

    “They” claim that the banks paid back their debt. And yet, the very banks that received the bailouts, did not reciprocate by lending the money back to the American people but rather invested in treasuries allowing them to accumulate even more cash. Small and mid-sized entrepreneurs and businesses have been left to rebuild the economy on their own, without the ability to borrow.

    By the manipulation of interest rates, the printing of money, and the failure of Congress to serve and protect “We the People, “ during “the worst economic downturn since the Great Depression,” they have stifled our recovery. They have perpetrated one of the greatest attacks on our personal freedom of choice, both present and future.

    Will the debt ever be paid back? Perhaps…

    Part two will be available on Thursday July 31st, 2014. 

    Sean Fleming

  • Infinite Banking and Income Maximization

    July 15th, 2014


    Click here to register for our next Summer Webinar!

    As you transfer from working life to retirement, how do you determine how much you can spend each month safely? How do you protect what you have worked to build? Protection from taxes, market volatility and liability. How do you balance growth and safety? How do you ensure that you can remain independent financially your entire life, so you do not become dependent on the government or your family late in life? If you are still years away from these decisions how do you plan most effectively for these future questions?

    Join Paradigm Life and Brad Gibb on July 23rd, 6:00PM MDT to learn the answers to these questions about income maximization and more.

  • Are We There Yet?

    July 10th, 2014

    CampingAre we there yet?… Are we there yet?.. Are we there yet?…

    Have you ever been on a road trip with little kids? If not, you can borrow one of my kids for the weekend and try it out. It is an adventure!

    This past weekend, my wife and I took our three little boys on a campout to Rockport State Park in Utah. The campground is amazing, and our kids had a blast. However, the entire drive up the canyon to the campground, we heard the continual song of “Are we there yet? Are we there yet? Are we there yet?” coming from the back seat.

    Our response was “No, and don’t ask again.” (Parents-of-the-year-award!)

    As obnoxious as that question can be, it probably deserves a little more attention.

    I don’t mean to sound too cynical about driving with little kids. However, as I’ve been thinking about that question “Are we there yet?” could I have done something to help the kids create an easy roadmap to know what to look for and how to determine when we are there? Maybe I could have drawn a map that showed the base of the mountain with some trees and a picture of Smokey the Bear. Then, I could have drawn a picture of the summit of the mountain with the descent going past the nationally known ski resort town of Park City, showing different landmarks along the way. With this easy road map, our kids would have known where we are going and what to look for.

    As I think about the clients that I meet with at Paradigm Life, that exact same question is asked. One of our goals is to help each client to not only know what the end goal is, but also to know how to get there. The agents at Paradigm Life ask a lot of questions so that both the client and the agent know what the roadmap needs to look like. Below are some of the questions that you may consider asking yourself as you look to the future:

    • Will I have enough savings to last me through retirement? How do I determine that amount?
    • What in my personal and family finances feels broken right now? What are the missing pieces?
    • How many years until the kids graduate from high school? Do I intend to assist them with college expenses?
    • Where am I on my home mortgage? Why do I have a mortgage?
    • Where am I investing my money right now? How are those investments performing?
    • If I’m investing in mutual funds inside of my retirement accounts, where is the allocation of my money and what are the associated fees?
    • Do I get a match in my 401K? Do I really understand what that means?
    • Do I have a plan for health care and long-term care in retirement?

    The list of questions continues.

    As we meet with you, we want to make sure that the roadmap that gets you to your retirement – as well as through your retirement – is concise, clearly outlined and easy to follow. Our commitment is to assist you in taking control of your finances – and really knowing when you have arrived at your goal – instead of always allowing someone else to be in the driver’s seat when it comes to your finances.

    Justin Martin