What we do
At "Black Diamond Money Moves," we offer strategies to help you increase your wealth, reduce taxes, and secure financial stability. Our focus is to bring the sophisticated wealth strategies, usually reserved for the Wealthy, to everyday Americans.
We provide strategies to help minimize tax liabilities, maximize growth and returns, and protect against market downturns. Our goal is to help you start implementing these strategies effectively, So you can spend more time finding and fulfilling your God given purpose.
Who Is Chad Free?
With a career spanning over two decades, Chad has been involved in designing financial models for the ultra-wealthy and understands their approach to money. His observations reveal: So many accumulate significant wealth, yet experience an internal void. This often comes from putting their identity in their Net worth. With an industry that is not investing in their clients, yet fully investing in maintaining control of their client's portfolio, it tends to keep their lives on the emotional roller coaster of chasing rates of return and beating the market! The majority just don’t know all their options.
Nationally recognized as the leading authority and the number one strategist for building true wealth, Chad uses a combinational approach to wealth creation. His mission is not only to help people build external wealth through proven strategies that guarantee profitability but also to cultivate internal wealth. He is dedicated to empowering others to pursue their purpose, unlock their potential, become fully present, and experience real peace both personally and financially.
Chad resides in Fountain Inn, SC with his beautiful bride and two sons.
Peace of Mind In Retirement…
At Black Diamond Money Moves we believe that the tools and strategies you need in retirement, and the attitude of your financial advisor should be different than the ones you would choose when you are...
How We Doubled Retirement Income From $40k To AT LEAST $80k PA
By applying the Money Moves Of The Ultra Wealthy, we were able to literally double the retirement income for one of our clients. Our client was 70 years old when she came to me...
How We Tripled The Retirement Income For Our 42 Year Old Client… While Eliminating Stock Market Risk And Taxes On That Income
I want to share with you how we Tripled the retirement income for one of our clients...
Why Chasing Rates Of Returns Is NOT The Best Way To Retire Well
Wall Street and the media has convinced most of us that in order to grow our wealth we need to chase the highest rates of return we can get. BUT, when you understand average rate...
How To Maximize Your Retirement Income... Without EVER Running Out Of Money...
The traditional rule of thumb says you can spend 4% of your nest egg each year in retirement in order to make it last. But as you’ll remember from my Black Diamond Protect...
The Crash-Proof Retirement: How a Guaranteed Paycheck Beats Market Madness
The Day Two Nest Eggs Parted Ways
Sam and Lisa both quit work with $1 million on January 1.
That October the stock market plunged 35 %.
Sam’s balance: $650,000.
Lisa’s balance: $1 million plus a fresh $5,800 paycheck sitting in checking.
Why the gap? Lisa used a crash-proof plan. Sam crossed his fingers.
Why Market Drops Hit Retirees Hardest
When you’re still earning a salary, a market dip is annoying but you keep adding new money.
When you’re retired, you’re pulling money out. Taking withdrawals from a falling market is like trying to bail water from a leaking boat while drilling new holes.
Pros call this sequence-of-returns risk. Translation:
A big loss in the first few years of retirement can drain a nest egg decades early.
The order of returns matters more than the average return.
The Two-Layer Crash-Proof Plan
1. The Guaranteed Paycheck — SDIC
A Specially Designed Insurance Contract (SDIC) turns part of your savings into a private pension:
Principal never drops when markets crash.
Sends a lifetime paycheck, often tax-free.
Whatever is left can pass straight to your heirs.
Think of it as rewiring your 401(k) into a salary that never calls in sick.
2. The Tax-Timing Valve
Taxes are certain—the amount you pay isn’t.
Moves like Roth conversions and tax-free policy loans let you choose when to recognise income so you keep more in your pocket—especially after a market drop when every dollar counts.
Case Study: Lisa’s Lifetime Paycheck
Age: 60
Rollover: $600 k into SDIC → $5,800 every month for life
Buffer: $100 k cash value life policy (covers two years of bills)
Market account: $300 k left invested for growth
When the crash hit, Lisa’s paycheck never skipped. Her buffer paid extras. The market portion got time to rebound.
Side-by-Side: Sam vs. Lisa (10 Years Later)
Build Your Own Shield in 3 Simple Steps
Pinpoint Your Income Gap
Add up monthly must-haves.
Subtract Social Security or pensions.
The shortfall is your Paycheck Gap.
Convert Enough Assets to an SDIC
Aim to cover 100 % of the gap with guaranteed income.
Start the rollover early to spread out any taxes.
Install a Tax-Timing Valve
Roth-convert while you’re in a lower bracket.
Use policy loans in high-tax years to keep your AGI low.
Quick Check: Do you have (1) a guaranteed paycheck, (2) life expenses covered comfortably, (3) a plan to control taxes?
If any box is empty, the market still controls your future.
If You Skip This…
History shows a 30 %+ crash roughly every decade. Ignore protection and you could relive 2008 with no paycheck to catch you. Embrace it and you can sleep through headlines others dread.
Take the Next Step—Book Your Wealth Acceleration Session
In one free 45-minute call you will:
See exactly how much of your money is at risk today.
Get a personalised SDIC income quote—down to the dollar.
Learn two quick wins to trim taxes within 90 days.
→ Reserve your session here (spots fill fast).
Give your retirement a paycheck you can count on—whatever the market decides tomorrow.
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