If I Had to Do It All Over Again, I’d Build Wealth Differently — Here’s How

If you had a financial reset button, what would you do differently?

That question comes up often on the Owner’s Table podcast, and the most successful guests usually say the same thing: “I’d go bigger, faster, and I’d focus more on building lasting wealth.”

For many, that shift leads them away from Wall Street and toward a different path — one focused on control, stability, and long-term results. That’s where alternative investing comes in.

Why More Professionals Are Turning to Alternative Investments

If you're earning between $250K and $400K (or more), you’ve probably already realized this:

Your income can grow quickly, but that doesn’t always mean your wealth does.

Traditional investments — stocks, mutual funds, IRAs — can be slow-moving, unpredictable, or tied up until retirement. That’s why a growing number of business owners, real estate pros, and professionals are exploring alternative investing strategies designed to generate cash flow and protect capital.

Common alternative investments include:

• Private real estate lending

• Income funds

• Hard-asset secured notes

• Private equity

• Infinite Banking strategies

The Goal: Cash Flow, Control, and Clarity

The idea is simple: make the money you’ve earned work for you — not sit idle in an account or rollercoaster with the market.

With the right strategy, you can:

• Earn consistent returns

• Access capital when you need it

• Reduce reliance on banks and market swings

• Use your money today without waiting for retirement

A Real-World Example: How the Fund Works

Let’s say Michael, an experienced house flipper, needed $100,000 to purchase and renovate a property.

The Alternative Income Fund loaned him the capital and charged 15% interest for the term of the loan. Once repaid, the principal and interest were rolled back into the fund — helping generate up to 12% returns for participating investors.

The fund continues to operate this way: sourcing quality lending opportunities, underwriting them conservatively, and returning consistent yields to investors — all backed by real estate.

Why This Approach Appeals to Today’s Investors

Here’s why more high earners are exploring funds like this:

• Short-Term Real Estate Loans (6–12 months)
  Capital is deployed to experienced flippers and builders, then returned quickly.

• Conservative Lending Approach
  Loans are typically at 65–75% of property value, secured by first-position liens.

• Strong Historical Performance
  The fund has delivered an average annualized return of 10.4% (as of Feb 2025).

• Accessible via IRA or cash
  Investors can use self-directed IRAs to participate and diversify.

• Options for Liquidity
  Choose terms from 9% (with 60-day liquidity) to 12% for 3-year terms.

The Role of Infinite Banking in Alternative Strategies

One often-overlooked approach to building wealth is the Infinite Banking Concept (IBC). While not new, it’s gaining more attention among business owners, real estate investors, and high-income professionals — not as a replacement for traditional investments, but as a foundational tool.

Here’s how it works at a high level:

• IBC uses specially designed whole life insurance policies to build cash value over time.

• That cash value can be accessed tax-free through policy loans, offering liquidity without disrupting the compounding growth inside the policy.

• The policy continues to grow even when funds are borrowed, allowing you to earn and deploy capital simultaneously.

• You remain in control — no bank approvals or market exposure required.

In essence, IBC gives individuals more autonomy and control over their finances. When paired with income-producing investments like the Alternative Income Fund, it becomes a strategy rooted in cash flow and capital efficiency — not speculation.

Who Is This Strategy For?

This type of investing isn’t for everyone — but it can be a fit for those who:

• Have stable, high income but want stronger cash flow today

• Are looking to diversify beyond the stock market

• Want access to real estate-backed investments without being a landlord

• Prefer predictable, fixed returns over speculative growth

Final Thoughts

Alternative investing doesn’t mean abandoning traditional finance — it means enhancing your approach with more control, better use of capital, and potentially stronger, more stable returns.

For high-income earners, it's a strategy worth understanding — especially if you're looking to put your money to work now, not just someday.

Curious how this could work for you? Book a time with me here to explore what a smarter wealth-building strategy might look like.