The Bonus Strategy Wall Street Never Told You About

When most people think of retirement planning, they think about saving, investing, and hoping it grows. But what if you could take what you already have… and make it work in two places at once?

That’s what this blog is about: how investors use leverage to multiply wealth using a properly structured SDIC (Specially Designed Insurance Contract).

Let’s break it down with a simple story—and then I’ll show you the most advanced version of this move I’ve ever seen.

How Investors use leverage to multiply their money using their SDIC

Let’s imagine you have an SDIC.  Let’s say there’s $500,000 of cash value in it. That’s a lot of money—but we’re not going to spend it. We’re going to multiply it.

Here’s how:

Step 1: Borrow from the Insurance Company

Because you have that $500,000 saved up in your SDIC, the insurance company lets you borrow money from them. Let’s say you borrow $200,000. You’re not touching your $500,000—it stays there and keeps earning interest!

But of course, borrowing money costs something. You agree to pay 5% interest on that $200,000.
That means in one year, you’ll owe the insurance company $10,000 (because 5% of $200,000 is $10,000).

Step 2: Become a Private Money Lender

Now you take that $200,000 you just borrowed and lend it to someone else—let’s say your friend wants to buy a house to fix it up and sell it.
You become the bank for your friend!

But you charge them 12% interest. That means your friend will pay you back $24,000 in interest after one year (because 12% of $200,000 is $24,000).

Step 3: Do the Simple Math

Let’s see how this works out:

• You paid the insurance company $10,000 for borrowing the money.
  

• You made $24,000 from your friend.
  

• So, $24,000 minus $10,000 = $14,000 profit for you!
  
  

Step 4: Plus, Your Money Still Grows!

Remember that original $500,000 in your SDIC? It didn’t go anywhere. Let’s say it grows by 7% interest in the year. That’s $35,000 more added to your account!

So altogether, you:

• Made $14,000 by being a lender (using money you borrowed!)
  

• Made $35,000 inside your SDIC account
  
  

That’s $49,000 total in one year—all by using money moves and leverage.

Why This Matters

This is a smart move because you made your money work in two places at once:

1. Your SDIC account kept growing.
   

2. You used the value in that account to borrow money and lend it out to earn even more.
   

That’s what we call a Black Diamond Money Move—it's not just saving, it’s multiplying what you already have. 

Bonus: The Most Fascinating Strategy I’ve Ever Witnessed: A Triple Black Diamond Money Move

Let me break this down for you—because what I’m about to share is the most brilliant, high-level financial strategy I’ve ever witnessed in my entire career. This isn’t theory. This isn’t some Wall Street trick. This is real-life, legacy-level wealth strategy in action.

A gentleman starts a business in his garage. I’m talking about sweat equity, late nights, full commitment. Fast forward—he builds it to a $120 million valuation. That’s right… from garage to $120M.

Now, here’s where the story takes a turn most people will never see coming.

He gets ready to sell the business, but realizes something most people don’t think about until it’s too late—the tax hit would be massive. We’re talking about capital gains that could wipe out a huge chunk of his legacy.

So, he brings in a team—people who know how to play the wealth game at the highest level. And what happens next is a move so strategic, so brilliant, I now call it the Triple Black Diamond Money Move.

Here’s what they did:

Step 1: Donate the Business

He donates the entire $120 million business to a university he already supports. Let that sink in. He didn’t sell it. He gave it. That one move eliminated the capital gains tax. He gets a charitable deduction—and the university becomes the legal owner of the business.

Step 2: The University Sells the Business

The buyer is still ready. So now, the university sells the company to that buyer and receives the full $120 million in cash.

So now you’ve got a university with $120 million they didn’t have before.

Step 3: The Tax-Free Loan

Then, the university loans the $120 million back to the original business owner. And this is key: loans aren’t taxable. No income tax. No 1099. Just pure liquidity, in his hands, without triggering a tax bill.

Step 4: The Payback Plan—Funded by Legacy

But wait—he’s still gotta pay that loan back someday, right? Of course. That’s what makes this ethical, legal, and genius.

So here’s the final play: Our firm—one of only ten certified in the country with access to this—helped structure a $120 million life insurance policy on him. But he didn’t pay for it. A bond was created, backed by his net worth, to fund everything—the premiums, legal fees, setup costs… all of it. (This is NOT premium financing)

That bond was sold on the open market to investors who want that kind of asset in their portfolio. The business owner only had to post a few million in collateral to get it started, and even that was temporary.

Upon his passing, that $120 million life insurance benefit will go directly back to the university that made the loan.

Let me say this clearly:

• He paid zero taxes on the sale.
  

• He accessed the entire $120M through a tax-free loan.
  

• He paid zero out-of-pocket for the life insurance.
  

• And he left a $120M legacy gift to a university—without giving up control of his wealth while he’s alive.
  

This move flipped the whole script.

Most people spend their lives working hard and then trying to figure out how to keep what they’ve earned. This man aligned his purpose, his planning, and his power—and turned one business into a forever legacy.

That’s what I call a Triple Black Diamond Money Move.

And that’s the level of strategy we bring when you’re ready to turn your wealth into something unstoppable.

Book Your Wealth Acceleration Strategy Session Today - And get t this sort of strategy working for you…