Frequently Asked Questions
Is this a tax loophole or is it legal?
No loopholes here—our strategies are 100% IRS-compliant and backed by well-established sections of the U.S. tax code. We use financial tools that the wealthy and institutions have leveraged for decades.
How do you actually lower my tax liability?
We identify overpaid taxes and redirect that money using legal deductions and asset repositioning. Our approach typically uses business deductions (IRC §162), retirement funding strategies (IRC §401, §408), and permanent life insurance structures (IRC §7702, §101a) to reduce taxable income and grow wealth tax-free.
What makes The Money Exercise different from other advisors or firms?
We specialize in elite, tax-free wealth-building strategies, not just traditional retirement advice. Our team has over 100 years of combined experience and has helped redirect more than $100 million from the IRS back into our clients’ pockets and legacies.
Do I need to be wealthy to benefit from this?
Not at all—but if you’re a high-income earner, entrepreneur, or business owner, the impact is especially powerful. We work with clients who understand the value of controlling where their money goes and want to build tax-free wealth instead of overfunding Uncle Sam.
How does the money grow tax-free?
We use financial vehicles structured under IRC §7702 (cash value life insurance) that allow your money to grow tax-deferred, be accessed tax-free through policy loans, and pass to your heirs income-tax free. When designed correctly, this strategy offers growth, liquidity, and legacy with no market risk.
Is this just life insurance?
It’s far more strategic than “just” life insurance. We utilize life insurance as a powerful asset class—not just for protection, but to create a tax-advantaged reservoir of wealth that can be accessed for retirement, college funding, long-term care, and legacy planning.
What is Debt Free 4 Life and how does it work?
Debt Free 4 Life is a proven strategy that uses the cash value of a properly structured life insurance policy to help eliminate debt—including mortgages, student loans, and credit cards—while simultaneously building wealth. Instead of sending payments to creditors, we show you how to redirect those payments back into a policy that grows tax-free, giving you control, liquidity, and long-term financial security.
How can I really eliminate all my debt and still build wealth at the same time?
With Debt Free 4 Life, you’re not just paying off debt—you’re reclaiming it. By leveraging the tax-advantaged growth under IRC §7702, combined with the tax-free loan provisions and strategic repayment modeling, we help you pay down debts while redirecting that money into your own personal wealth system. The result? Less interest to the banks, more money in your future.
How do I get started and what does the process look like?
It starts with a discovery call where we evaluate your income, tax exposure, goals, and current structure. From there, we develop a tailored plan using our proprietary process—The Money Exercise Method™—and connect you with our trusted partners in tax, legal, and financial planning.
Can you coordinate with my CPA or attorney?
Absolutely. We’re not here to replace your team—we partner with them to enhance your planning and ensure all strategies align with your long-term goals and current legal structure.
How Our Business Model Works
At The Money Exercise, we help individuals and business owners legally reduce taxes and grow their wealth 100% tax-free by redirecting money they’re already spending—often in taxes or inefficient financial products—into carefully structured, high-performing vehicles like cash value life insurance, trusts, and indexed products.
Here’s how it works:
Step 1: Identify Overpaid Taxes & Missed Deductions. Using IRC §162 for business deductions. Leveraging tax-deferred growth via IRC §401 (qualified retirement plans). Evaluating Roth conversion strategies and rollover options under IRC §408A
Step 2: Reposition Funds into Strategic Vehicles. Tax-advantaged life insurance structured under IRC §7702. Tax-free death benefit transfer under IRC §101(a). Tax-free loans and withdrawals if structured properly, avoiding MEC status. Use of irrevocable and revocable trusts to protect and transfer wealth while avoiding probate and spend-down programs
Step 3: Ongoing Strategy Management Annual reviews with our team. Adjusting to tax code updates, market conditions, and life changes. Collaborating with your CPA and legal team as needed
This isn’t just about saving money—it’s about redirecting what you’re already paying into assets that serve you, not the government. If you’re ready to explore how this could work for you, we’ll walk you through everything step-by-step.
Don't take our words for it, Hear from our clients
Dr. George Owens, DO.
"As a physician, I thought I had a solid handle on my finances—until The Money Exercise showed me what I was missing. Not only did they help me legally slash my tax burden, but they also introduced me to a strategy that’s already multiplied my money by more than 10X. This isn’t just financial planning—it’s next-level wealth building. I only wish I had found them sooner."
Maxwell Tanner, Esq.
"I’ve spent my career navigating complex legal and financial matters, but what The Money Exercise delivered was beyond anything I expected. They helped me significantly reduce my tax liability and repositioned that money into a strategy that’s already growing exponentially. It’s rare to find a team that understands both the numbers and the legacy you’re trying to build—these guys do."
Kim Wexler, MBA-HCM
"With an MBA in Healthcare Management, I thought I understood retirement planning—but The Money Exercise opened my eyes to a whole new level of strategy. They not only helped grow my retirement wealth faster than I imagined, but also built in protection against rising healthcare costs and inflation. For the first time, I feel truly confident about both my future lifestyle and my future care."
Billy Jackson, DBA.
"As a Doctor of Business Administration, I’ve always believed in structure, strategy, and legacy—and The Money Exercise delivered all three. They helped me set up a revocable trust that protects my family from probate, and their wealth strategies ensure my kids, grandkids, and even great-grandkids are financially secure. They managed my money with authority, precision, and purpose—I couldn’t ask for more."
