Wade Borth - Sage Wealth Strategy

In this episode of the Wade Borth Podcast, Wade welcomes Michael Hession, fellow Nelson IBC practitioner, to share his personal journey into Infinite Banking. From running a marine canvas shop to experiencing the financial crash of 2008, Michael’s story highlights the importance of building a strong foundation and controlling the banking function in your life. Together, Wade and Michael explore how Infinite Banking creates peace of mind, financial resilience, and the ability to turn debt into wealth for generations.

Episode Highlights

[03:54] Understanding the significance of Infinite Banking Concept (IBC).  

[07:23] Michael's early career and business journey.  

[10:31] The impact of the 2008 financial crisis on Michael’s finances.  

[12:44] Transitioning to financial services post-bankruptcy.  

[15:37] Discovering IBC and leaving the traditional financial industry.  

[19:14] Empowering people through financial education and IBC.  

[22:49] Importance of building financial foundations and saving habits.  

[25:09] The misconception around rates of return versus peace of mind.  

[30:39] The legacy potential of family banking systems.  

[36:56] Liquidity and life insurance in business continuity.  

[42:15] Discussion on the purpose and value of whole life insurance.

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com

In this episode of the Wade Borth Podcast, Wade sits down with Joe Fuller to discuss family banking and its transformative power on financial habits. Joe shares his journey from aspiring neurosurgeon to a financial strategist after realizing the importance of managing money within families. Learn how intentional money conversations can unite families and create wealth for generations. Joe emphasizes the concept of building a legacy and offers insights into the practicalities of setting up a family bank, showcasing his family’s experiences. This episode is a must-listen for anyone interested in financial independence and family unity.

Episode Highlights

05:34 - Building family banking for a lasting legacy.

11:01 - Shifting mindset towards family financial unity.

21:27 - Importance of long-term habits for financial success.

31:10 - The power of saying no to align with purpose.

38:24 - Leveraging whole life insurance for generational wealth.

46:18 - The role of interdependence in family wealth.

54:36 - How family banking redefines retirement.

01:07:40 - Teaching financial literacy across generations.

01:23:19 - Building intergenerational wealth through family banking.

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com

Joining Wade today all the way from Hawaii is fellow agent Clarke Tuitele where they have a conversation that blends real-life preparedness with financial readiness. After recounting a recent tsunami warning and the chaos that followed, Clarke draws powerful parallels between disaster preparedness and taking control of your money. He shares his personal story—raising six children on a teacher’s salary, living intentionally, and embracing the Infinite Banking Concept to create a lasting legacy. From building “financial 72-hour kits” to teaching future generations the value of stewardship, Wade and Clarke explore how awareness, education, and discipline can transform both your finances and your family’s future.

Episode Highlights

02:59 - Preparedness for natural disasters.

04:12 - Financial preparedness parallels.

06:51 - Infinite banking philosophy.

09:16 - Clarke’s financial philosophy journey.

12:38 - Intentional financial decisions.

14:24 - Legacy and financial wisdom.

16:43 - Long-term generational thinking.

18:50 - Financial independence education.

21:12 - Real-life impact of tsunami.

25:00 - Metaphor: TSA Pre-Check and financial planning.

28:43 - Financial awareness education.

31:19 - The story of waiting for the perfect wave.

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com

• Connect with Clarke Tuitele

• clarke.tuitele@factumfinancial.com 

In this final installment of the Tough Money Mastery series, Wade Borth and returning guest David Zapata wrap up their discussion on building financial abundance and purpose. They explore the deeper “why” behind Infinite Banking, challenge traditional retirement and accumulation mindsets, and share practical ways to align your finances with every area of life. From the myths of qualified plans to the importance of liquidity, investing in yourself, and creating interdependence between money and purpose—this conversation offers a fresh, actionable perspective on taking control of your financial future.

Episode Highlights

01:00 - Infinite Banking: Beyond Basics.

02:20 - Tough Money Mastery overview.

03:50 - Common financial misconceptions.

06:15 - The importance of financial literacy.

07:45 - The myth of financial accumulation.

11:01 - Individualized financial advice.

14:30 - Risks of traditional financial planning.

17:05 - How accumulation affects retirement.

20:40 - The origin of retirement age.

23:45 - Role of liquidity in financial security.

25:10 - Changing thoughts on retirement.

28:55 - Issues with qualified plans.

31:30 - Evaluating financial investments.

34:20 - Perception of financial freedom.

37:55 - Role of government in financial planning.

41:40 - Questions about qualified plans.

46:20 - Real costs of college education.

49:25 - Long-term financial impacts of education.

01:06:22 - The need for liquidity in financial health.

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com

• Connect with David Zapata

• davidzapata@factumfinancial.com

In this continuation of the Tough Money Mastery series, Wade Borth welcomes back David Zapata to explore how to take control of your financial life through strategic leverage and intentional money flow. They discuss four more of the twelve key ideas for mastering tough money—including how to supercharge investments, maximize lending returns, integrate banking functions into your business, and protect your most valuable asset: your people. If you are ready to stop working harder and start having your money work smarter, this episode is for you.

Episode Highlights

03:40 - Importance of Protection in Financial Planning

05:55 - Framework for Accumulating $50 Million Net Worth

12:45 - The Impact of Small Changes Over Time

15:00 - Relationship with Money: Concept of Tough Money

21:00 - Supercharging Investments with Tough Money Principles

26:30 - Maximizing Returns in the Lending Business

34:05 - Importance of Financial Flow and Savings

39:20 - The Role of Human Capital in Business Success

45:40 - Key-Man Insurance and Protecting Business Interests

50:30 - Business Continuity and Risk Management

54:00 - Financial Board of Directors: Who Has Control?

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com

• Connect with David Zapata

• davidzapata@factumfinancial.com 

In this powerful episode, Wade Borth welcomes back David Zapata to introduce the Tough Money Mastery series—starting with the foundational idea of building your own family banking system. They unpack the principles behind Factum Tough Money, explore the importance of saving with intention, and show how you can reclaim control of your financial future. Whether you're leading a family, building a business, or simply want to get smarter with your money, this episode lays the groundwork for financial clarity, intergenerational wealth, and creating a system that supports long-term abundance.

Episode Highlights

01:08 - Impact of family financial principles.

02:59 - The flow of money.

05:45 - Importance of financial education.

07:00 - Becoming the author of your financial plan.

09:13 - Individual vision for financial outcomes.

09:53 - Leadership in family finances.

10:28 - Four main discussion topics for the episode.

11:30 - Building a family banking system.

12:44 - Keeping a million dollars in control for vehicle financing.

13:50 - Sourcing debt as a family.

14:44 - Charitable donations for family legacy.

16:10 - Empowerment through education.

17:07 - Proper sequence in financial decisions.

18:28 - Role of whole life insurance in financial planning.

19:35 - Importance of interdependence in family finances.

22:36 - Family banking business in practice.

26:34 - Rules for family financial operations.

28:36 - Vehicle financing strategies for families.

31:52 - Opportunity cost in financial decisions.

34:50 - Flexibility and control in financing within a family.

37:16 - Legacy giving through life insurance benefits.

45:11 - Preparing children for financial independence.

47:07 - Flexibility of loan provisions in family banking.

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com

• Connect with David Zapata

• davidzapata@factumfinancial.com

In this episode of the Wade Borth Podcast, Wade reflects on how his approach to working with clients has evolved with greater intentionality and purpose. He shares the three-step framework that drives every client relationship: awareness, education, and action. Rather than jumping straight to products or solutions, Wade emphasizes the importance of understanding your unique goals, values, and what’s keeping you up at night. From there, education becomes the tool to empower you—not to rely on someone else, but to confidently take control of your financial future. If you're looking for more than just advice, and want a process built around your needs—not a one-size-fits-all solution—this episode is for you.

Episode Highlights

01:06 - Intentionality in Business.

01:17 - The Go-Giver: Adding Value.

01:45 - Financial Awareness: Key to Change.

02:53 - Empowerment Through Education.

04:16 - Importance of Self-Empowerment.

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com

Today on the Wade Borth Podcast, Wade challenges the traditional view of retirement and encourages listeners to rethink what it truly means. Whether you see retirement as retooling, relaxing, or chasing new adventures, one thing remains the same—your financial strategy should reflect your values, not someone else’s template. Wade explores why relying solely on market-based income can create unnecessary fear and scarcity, and how guaranteed income solutions like annuities can offer peace of mind and stability. If you're approaching retirement or simply thinking about your future, this episode will help you align your money decisions with the life you actually want to live.

Episode Highlights

00:24 - Clarity on Retirement Definitions

02:06 - Traditional Retirement vs. Retooling

03:03 - Living Off Market Interest: Risks

05:04 - Certainty and Fear in Retirement

07:10 - Income vs. Asset-based Retirement

09:07 - The Role of Private Pensions

10:56 - Cookie Cutter Approach to Retirement Strategy

11:59 - Aligning Actions with Values

12:31 - Uncertainty and Future Conversations with Self

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com

In this episode of the Wade Borth Podcast, Wade addresses a common and important question: How safe are life insurance companies? Drawing from conversations with industry leaders and over 35 years of experience, Wade explains why mutually owned life insurance companies are some of the most stable financial institutions in the world. He breaks down how they operate differently from Wall Street-driven firms, why long-term thinking matters, and how these companies prepare for both the expected and the unexpected. Whether you’re new to Infinite Banking or questioning the long-term security of your policy, this episode will offer clarity, context, and confidence.

Episode Highlights

00:32 - Life insurance companies as a safe financial institution.

01:16 - The value of life insurers providing capital.

02:31 - Mutual vs. stock-owned insurance companies.

03:59 - Institutional-level investment in whole life policies.

06:39 - Managing for certainty and risk.

08:53 - Historical resilience of insurers: Lloyds of London.

10:09 - Insurance companies and major global events.

11:00 - Insurers keeping an eye on long-term stability.

12:15 - Understanding what stays the same in business strategy.

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com