Episode 46: One Question to Ask Your CPA This Week Titelbild

Episode 46: One Question to Ask Your CPA This Week

Episode 46: One Question to Ask Your CPA This Week

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 Most CPAs and financial advisors are trained to minimize taxes, but are they actually helping you build wealth? In this powerful Quick Win episode, M.C. Laubscher gives you one simple question to ask your CPA or financial advisor this week that will immediately reveal whether they understand wealth building or just tax strategy. Discover why most financial advice optimizes for only one thing at a time—growth OR liquidity OR control—but never all three simultaneously. Learn what a good answer sounds like, what red flags to watch for, and how to identify whether your advisor is thinking in products or systems. This single question could save you years of frustration, tens of thousands in opportunity cost, and potentially millions in lost wealth. If you've ever wondered whether your financial team actually gets it, this episode gives you the litmus test. Take action this week and change your financial trajectory.Key Topics Covered:The One Question That Changes EverythingThe exact question: "How do I structure my capital so it's always working, always liquid, and never at the mercy of market timing or bank approval?"Why this question reveals your advisor's true understandingWhat most CPAs and financial advisors will say (and why it's wrong)The three default responses that don't solve the real problemHow to identify whether your advisor thinks in products or systemsThe Three Default Responses (And Why They Fail)Response #1: Max out retirement accounts (401k, IRA, SEP)Problem: Locked up until 59½, penalties for early access, no liquidityResponse #2: Keep cash in high-yield savings or money marketProblem: Liquid but losing to inflation, no real growthResponse #3: Diversify across stocks, bonds, and real estateProblem: Growth potential but volatile, no certainty, forced selling in downturnsWhat You're Actually Asking ForCapital that's always working: growing, compounding, producing valueTrue liquidity: accessible without penalties, waiting, or approvalComplete control: you decide when, how, and where to deployWhy most financial products can only deliver one or two, never all threeThe one structure that does all three simultaneouslyWhy Traditional Financial Products Fall ShortStocks/mutual funds: working but not liquid without sellingSavings accounts: liquid but not really workingReal estate: working but not liquid (try selling in 24 hours)Retirement accounts: working but locked up with no controlThe false choice between growth, liquidity, and controlWhy This Question Matters So MuchForces advisors to think beyond tax strategyShifts conversation from tax efficiency to capital efficiencyExposes the gap between saving on taxes and building wealthWhy winning on taxes but losing on opportunity cost destroys wealthMoving from tax minimization to wealth maximizationIf your advisor can't answer this, you need a new advisorWhat a Good Answer Sounds LikeBuilding a financial operating system for your householdWarehousing capital in protected, guaranteed growth structuresImmediate liquidity through policy loansDeploying into producing assets (businesses, real estate, opportunities)Structuring repayment for capital recyclingCreating velocity, control, and certaintySystems thinking vs. product thinking vs. transaction thinkingThe Critical Follow-Up Question"How do I make sure I never have to ask a bank for permission to access my own capital?"The control question that separates independence from dependencyWhy great credit and strong cashflow don't guarantee bank approvalHow banks can change rules and freeze credit lines mid-gameThe difference between owning liquidity and renting access to capitalHow to build your own bank instead of depending on theirsWhy This Is a Quick WinYou can take action today—no waiting, no extensive study requiredOne phone call or email can change your entire trajectoryHow to listen to and evaluate your advisor's responseWhat to do if they get it vs. what to do if they don'tYour advisor works for you—not the other way aroundPotential to save years of frustration and millions in lost wealthThe Question:"How do I structure my capital so it's always working, always liquid, and never at the mercy of market timing or bank approval?"The Follow-Up Question:"How do I make sure I never have to ask a bank for permission to access my own capital?"Key Takeaways: ✅ One question reveals whether your advisor understands wealth building or just tax strategy ✅ Most financial products optimize for only one thing: growth OR liquidity OR control ✅ Saving on taxes but losing on opportunity cost destroys long-term wealth ✅ A good advisor thinks in systems, not products or transactions ✅ Properly designed whole life insurance provides working capital, liquidity, and control simultaneously ✅ You should never have to ask banks for permission to access your own wealth ✅ If your advisor can't answer these questions, it's time for a new advisor ✅ This one conversation could save you millions ...
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