What if there were a legal way for business owners to write off six figures a year, keep access to their money, and build guaranteed retirement income?

In this episode, Thomas Cox explains how high-income clients use a 412(e)(3) retirement plan paired with properly structured whole life insurance to reduce taxes, maintain liquidity, and stay in control of their capital.

Using real client examples—including Jessica, a real estate investor earning over $1M—Thomas shows how business owners can deduct $150K–$400K annually, avoid market volatility, and use their own money to fund growth without relying on banks.

This episode is for business owners, doctors, and investors who are maxing out traditional retirement plans and want a smarter way to manage taxes and cash flow.

In Part 2, Heath Holmes shares the leap from corporate leadership to entrepreneurship, breaking down how he built a scalable, high-ticket service business by identifying unmet customer needs. This episode covers starting lean, choosing the right marketing channels, pricing early work for learning—not profit—and tracking ROI. Heath also explains why “duplicate, don’t delegate” matters and how data, customer experience, and purpose drive sustainable growth.

Heath Holmes shares his unconventional business journey—from managing a pest control branch to helping build a standout moving company and stepping into executive leadership roles across multiple industries. In Part 1, Heath breaks down how learning KPIs, forecasting, and operational fundamentals created massive career leverage—even after unexpected setbacks. This episode explores leadership under pressure, the power of knowing your numbers, and why unglamorous industries often create the biggest opportunities.