Heroes in Business - Digital Ways To Elevate The Client Experience

Episode Date: August 3, 2021

Embracing Digital Tools To Elevate The Client Experience is what Lisa Camacho shares in this episode. Using our proprietary process and platform helps to competitor proof her ideal clients on The Health and Wealth Podcast show with Carter and Tim

Welcome to the Health and Wealth Podcast with your hosts, Tim and Carter. What's trending, enrichers? Carter Wilcox, founder of CSI Financial Group here with my co-host and former wealth advisor, Tim James, founder of ChemicalFreeBody.com and your new health advisor. This is the show where we reveal the connection between physical and financial abundance. Hey, hello, enrichers. Carter Wilcoxon here, along with my co-host of Chemical Free Body, Mr. Tim James. Hey, buddy, here we go again. We've got another exciting guest on. Another exciting guest. Yeah, Lisa, thanks for being here. Hey, it's my pleasure. Absolutely.

Yes, I'm truly honored to have Miss Lisa Camacho from San Antonio, Texas, joining us today. Enrichers, you guys are in for a treat. Not only is Lisa Camacho one of the most wonderful people that you'll ever meet in your life she's a consummate professional but she's also doing this while having no water because of everything that's going on in the country right now in texas that is so true we are in the texas tundra down here. No electricity, no water. It's crazy. Three inches of snow on the ground. Oh, I just, I can't, I can't even get over that. So, you know, Lisa, I called you actually earlier today, just making sure, Hey,

are you okay to be able to do this? I mean, do you have power? Do you have wifi? You know, I wasn't sure. Yeah, we do. Well, we are waiting for the water to come back on. We do have power, but I tell you, it makes you extremely resourceful when you lose those two things. You just have no idea how much you take them for granted until they're gone. What a cliche, but it's true. Super, super thankful. We're grateful that you're able to be able to make it here. I'm glad that you're being able to be resourceful.

I'm sure your other half, David, is taking good care of making sure everything's taken care of as well. He is. He's done a great job. He's, yeah, really done a great job. Let me just say that. Without him, I would have been in pretty big trouble, probably. Awesome. Well, Lisa, what I want to do, I want to get the enricher started with a little bit of your backstory, you know, like where you've come from. You know, I know that we're going to get into in the second segment a little bit more of what's going on right now in your life and with business and things of that nature. But if you don't mind, you know, take us back in time a little bit of, you know, how you got in the financial services business.

You know, some of your experiences out there. I mean, I know a lot of them and everything. Share with our enrichers a lot of your backstory and your why, what you're doing. Yeah, absolutely. So my husband and I have always been very entrepreneurial and ambitious and go-getters. And we both started and met actually in the medical sales business. David was in medical sales for about 30 years. I was in it for about 20 years. You know, we're just go-getters in that aspect, but we were always interested in finance. I've always liked money and I've always liked to make lots of money. So we did pretty well in the medical sales field. But I tell you what kind of changed things for us is in 2008, when we lost about 38%

of our retirement accounts. And we decided that that was never going to happen to us again. And we wanted to take control of the situation, control of our finances, and so on and so forth. And so we actually started taking some classes on the stock market and trading in the stock market. We found a company here in Texas that taught us and we actually got pretty darn good at it. And they asked us if we wanted to start traveling around the country and conducting workshops to teach others what we had learned. And so we thought, well, that sounds like a lot of fun. So the two of us took out back in about 2013 is when we started conducting those workshops on the weekend.

is when we started conducting those workshops on the weekend. And we just taught people how to trade in the stock market and not have to rely on money managers. And so we did that for five years. And that looked like about a 28 to 32 weekends out of the out of the year, we were on the road traveling. And yeah, so after you do that for five years, I tell you guys, we were so tired. We were just exhausted. And, you know, we loved working with the stock market. But we decided that we just wanted to kind of refocus our knowledge on something else. And so that's when we met a group out of South Texas. And they introduced us to something called an annuity and life insurance. And we kind of liked it, you know, because we could still use our knowledge of the stock market, you know, in dealing with annuities and so on and so forth. So we got licensed and started working at that.

And unbeknownst to us, this group was connected with CSI Financial Group. And so apparently we caught Carter's attention due to our performance because we got a phone call one day out of the blue. I remember sitting in our office here in San Antonio and the phone rings and this guy comes on the line and he says, Hey, this is Carter Wilcoxon from CSI Financial. I'm like, who, who are you? And so we ended up having, you know, several conversations, flew out to Phoenix, Arizona to meet Carter and his business partner, Andrew Victor, and their whole team. And the rest is history. We're just approaching now three years of being with them. And as Carter mentioned earlier,

we changed each other's lives, I think. I know he changed our life, but it's just been an amazing journey these three years. So Lisa, first of all, thank you very much for that. And I remember that very first time when you guys came out, I want to say, and I don't know if, cause I know you've been out here a few times to Phoenix. I don't know if that was, was that Cinco de Mayo? Was that the very first time? I think it was. Yes. I felt very much at home coming out there during Cinco de Mayo. Yes, obviously. Macho, you know, and I know how much when it comes to tequila, how much David appreciates tequila. So Cinco de Mayo, that was just I don't know if it was predetermined, predetermined by a higher power that that was what was going to happen. But I remember us having a great time.

But as far as business goes and how it relates to how you got started and now what you're doing currently, what was it do you think happened in maybe previously, even to the whole stock market and liking money and all those types of things? You know, even if you went back even further, because you have such a heart for helping people. Is there something that happened, you know, even 25 years ago, 30 years ago, maybe it was, you know, high school or college or whatever, that you felt like it was predestined to go that direction in helping people? Do you sort of have that? I mean, I know how I feel when I talk to you about how you have the client's best interest at heart at all times. Do you think that really was born from something early on, or is that just who you are? Well, I would like to say it's probably just who I am. I don't know.

You know, it does go back probably a ways. And I'll say, I will say this though, Carter, that, you know, when a person is younger, you know, obviously there's selfish ambitions, you know, that take place and so on and so forth. I, you know, I grew up in a Christian home and, you know, my mom was always such a big giver. And I think she just instilled that, you know, in us. I have two brothers, you know, and we've all just kind of been, you know, a product of our environment growing up, which I'll attribute to her. But, you know, you kind of take some paths along the way where maybe you kind of forget about, you know, that giving aspect of it. And you can get to a point, you know, where you just kind of need to redirect to that.

And, you know, part of as I was kind of thinking about what I wanted to say, you know, during this podcast that we're doing is and I can revisit a little bit later as well, but how that the process that I, you know, have discovered through working with you guys, how that has changed me, maybe from kind of a selfish aspect. You know, I told you earlier, I like money, I like to make money, you know, and I was very driven by that. And I still am, of course. But the process that we use, you know, through CSI Financial Group, which I know we're going to talk about a little bit later, that has really changed me to truly maybe bringing me back to wanting to help people. versus a transactional process that we use. And I love these people that I work with. And that's not always been the case. You know, I've always been driven for the money.

And this has changed me to really care about people. And I love who I've become because of that. And I attribute a lot of that to you. You know, forget 25 years ago. But, you know, these past three years have just been life changing to me in so many ways. It's just been incredible. That's I love to hear that. And it obviously, look, we are in the relationship business, to your point. Right. And and I know the type of production that you generate through our organization here. And it's reflective of how good of a job you do in your relationships.

Because as you know, Lisa, people do business with you that they know and like and trust, right? And because we've developed this proprietary process where it all does focus on a process, those results that come from that process, as opposed to the product driven industry that that we typically are living in. And we've been so laser focused on the benefits to your consumer. on the benefits to your consumer. And that's obviously at the top here. We were so focused on how we can help develop your practice and help you grow your practice. And we are very faith-based in that, that you're going to reward us

with doing the business together. And it should help you to come to your own conclusion. And I don't want to put words in your mouth, but it should help any advisor, any enricher that's out there listening, thinking about possibly, you know, coming to find out more about CSI financial group, but it should help you come to your own conclusion that, um, why wouldn't I want to do business with you? If you're helping me grow my business, it's a prophecy. So, and again, I don't want to

put words in your mouth, but that was our whole entire goal here. And then whenever, and you mentioned my business partner, Andrew Victor, when we brought him on, it just, it just put a whole nother level of, of application and creativity and unique, sophisticated planning that we can do because a lot of people want to help, want to have help with their taxes and that mitigating of taxes. So I don't know if you want to talk a little bit about that now as well. Yeah. So, and I agree with you on that. You know, if you focus on helping people, the money just follows. I mean, it's just a natural, you know, part of that and the sophistication that we can bring to a client. And I know that I am truly helping somebody.

It's not just, you know, hey, I got this product. It's going to help me more than it's going to help you, but I'm going to spin it in a way that you think it's going to help you more than it's going to help me. You know, it's not like that at all. And I think that that is something that was really refreshing to me because I've been, you know, dabbled

in all kinds of different, you know, things out there. And it, you know, not everything was for the benefit of the person, you know, that I was dealing with. I tried to make myself think it was, but it wasn't necessarily. So, you know, knowing that what we do as a result of what, you know, CSI brings to the table for us and all of the different, you know, products and categories and different things that we can do for a client, I truly know that I can help a person. And I, you know, I bring that confidence with me when I'm sitting in front of somebody and talking to them, I'm excited to tell them about what we can do. Because, you know, we do come at it from a little different spin than a, you know, traditional advisor does,

because of the people, the team that you've put together, Andrew Victor being like the wow factor, you know, in all of this, as far as the financial, you know, planning side of it, and tax mitigation, and so on and so forth, just has some incredible proprietary strategies that he has, you know, put together and brought to the table. And it's just such an exciting conversation to have with somebody when you know that they need what you have. And it's real. You've experienced it. You've got, you know, the proof to back it up. So, yeah, it's just an exciting time. I'm so happy to be sitting where I am at this moment in time in life. Yeah. That's awesome, Lisa. We got to take a quick break right now, but when we get back, I want you to really dive into, because you've been working with

Carter and CSI Financial for like three years. So I think so far you might be the longest client that we've had on the podcast so far. And when we get back, I want you to share with the listeners some of the strategies and things that CSI has helped you implement and how that's impacted your business financially and just given you that feeling of security in your business so you don't have to worry where the next client's going to come from. We'll be right back. Are you concerned about being able to get all of your affairs in order during this trying time? Are you troubled by what would happen if you ever became incapacitated? Maybe you've been procrastinating in the past to address these issues, but now more than ever before you know just how

important it is to get everything documented. Well don't worry because we can get you taken care of right from the comfort of your own home. Welcome to the revolutionary MyLifeCardPlan estate plan processing platform home of the last estate plan you'll ever need we are very pleased you're here and rest assured we can offer you a complete estate planning experience regardless of where in the 50 states you may live our unique transformational system combines efficiency convenience and professional support at levels you never thought possible for setting up your estate plan.

Moreover, we will provide you with powerful, user-friendly dynamics that put you in total control of your plan throughout your lifetime. Call us today at 888-316-6040 or go to www.csifinancialgroup.com and our team of specialists will be there to assist you every step of the way. Welcome back, Enrichers. Tim James here with my co-host, Carter Wilcox. And today, we have a very special guest, Lisa Camacho, CEO of Legacy DLC. Maybe you can tell people what the DLC stands for because we're all curious. It is David Lisa Camacho. Okay. I got to get our DLC in there. A family- run business. We love that. So you shared your backstory with Carter and CSI Financial. Why don't you get into some of

the tangible things that CSI Financial has brought to the table for you and your husband's business and how that's affected you guys in your business and your lifestyle? Yeah, absolutely. So, you know, I think when we were, you know, kind of trying to figure out what our new life was going to look like when we first kind of transitioned from traveling and teaching, we were really looking for something to differ or some way to differentiate ourselves, you know, from other life insurance agents and advisors out there. And we didn't want to just be cookie cutter, you know, from other life insurance agents and advisors out there. And we didn't want to just be cookie cutter, you know, as I think I mentioned that before, it's just not our style. And so we knew we needed a mentor. We definitely knew the industry of the

or the stock market, I should say, but we didn't know the new industry that we were getting into. And so we knew we needed an expert, somebody that had been in there, you know, been there, done that and been successful at it. So, you know, we're really thankful when we found Carter, he found us, I guess, more than anything. So we quickly realized that CSI really had something special going on. You know, the proprietary process that they put together through the the estate plan portfolio, which, you know, focused on on living trust. You know, that was really intriguing to us. And, you know, it's kind of funny because, Carter, you might remember this in the very beginning. I really rebelled against it because the living trust is such a long process. You know, it's two weeks, maybe, I don't know,

two or three weeks, which is really not long. It's only two or three weeks prior to meeting us, right? Exactly. And, you know, I wanted to get to the money. I did, but, you know, Carter said, Lisa, no, you got to try this. And, you know, it really works. And so it's kind of what I was talking about earlier.

I quickly realized that it was relational instead of transactional and that it really, really worked well and was exactly what we were looking for. You know, it really competitor proofed our business, I think, by following the process that CSI has put together with the estate portfolio, you know, plan portfolio. And so it's really interesting, because by the time you get to talking about the money with a client, you have gone through, you know, two to three weeks of knowing them getting to know them, you know, meeting their children, knowing their grandkids them you know meeting their children knowing their grandkids you know by the end of it they're inviting me to thanksgiving dinner you know and i love that and i don't know if that's from a woman's perspective of that you know love and the relational thing i'm okay with that but um and you don't have to get that into it but i tap

into and that's what i was talking about earlier this has changed me because i'm probably not the warmest fuzziest person you've ever met but this has kind of helped me to become that and i really enjoy that aspect of it but um well you seem really nice right now so good job carter for guest appearance from Mr. Andrew. Who knew? Cameo appearance by Mr. Andrew Victor. That was a cameo appearance. I love that. That's hilarious. And I was just going to talk about him. So, but anyway, so kind of going back to your question, Tim, about, you know, the different strategies and so on and so forth. By the time we get to, you know, talking about the money, they definitely trust us. And the conversation is so much easier. And, you know, we're surrounded by an amazing team that Carter's put together. And, you know, part of that is I've worked with

Andrew, oh my gosh, just, you know, so closely, I always say I wish I could do a brain transfer with him, but I'm just not quite sure I could handle that, because he's just so smart and I love him. But he does some really sophisticated financial planning, focusing on tax mitigation. That's just his gig. And that is just so important for so many reasons. I could go into my whole spiel, but I won't.

And that is just so important for so many reasons. I could go into my whole spiel, but I won't. But the thing I think that is most impressive to a client or, you know, that they realize is just going to be so beneficial to them is this tax mitigation, this planning is now available to the normal class or the middle class or whatever class you want to call that, where it used to just be for the ultra wealthy people. And some of these strategies that we're using are what the wealthy people use, you know, but now it's available to the normal people that we talk to and they just love that and you know we kind of included in our plan so they're not having to pay thousands of dollars you know for the plan itself you know and it's just been so uh helpful uh to them as you know to their their overall plan it's been life-changing to people it really has it's gone from oh i can you know actually retire you know as opposed to working the rest of my life. So that's about the client. And then to us, oh my goodness, just the financial aspect of it for David and I has just been phenomenal. I mean, I don't know how deep

you guys want me to get on that. And Carter, you may want to kind of lead me down a path if you want me to go. I don't, you know, I don't know. Well, you know, we can, we can get into, you know, some of the, I mean, you don't have to present your tax returns to the enricher right now, but we want tax returns. Yes. Show us your tax returns. Love it.

But I have a feeling that the enrichers, as they're listening, they can hear it in your voice on just how much things have changed. And that transfers to your clients that you work with. have changed. And that transfers to your clients that you work with. They feel that, and you correct me if I'm wrong, I don't think you're going to correct me on any of this, but I think that what we really truly deliver because of the process driven, as opposed to product driven, is the true peace of mind that they're really yearning for. And that starts with the estate plan portfolio and setting them up not only now, but also into the future and beyond when they're no longer here any longer. That gives that true peace of mind that helps your clients come to their own conclusion. Like, why would I want to work with anybody else? And my guess is, and I'll let

you talk about this. Do you find a lot of times as they're going through that process, they may be working with some other agents or advisors or producers or whatever you want to call them. And they feel like the sense of, I want to consolidate everything with you guys. And maybe not at a hundred percent, you know, success rate, but do you find a lot of instances where they, at their stage in their life, consolidation and simplicity is actually more valuable to them than, you know, maybe some other relationship that they've had along the way? Can you talk a little bit about on that? Yeah, no, I think that's absolutely correct. You know, the demographics that we work with are either entering into retirement or already in retirement, you know, and so their focus is not accumulation anymore, but they're looking towards distribution,

you know, and so the security is hugely important to them, you know, and, you know, their, their accumulation advisor is kind of how I, you know, categorize them, you know, they've done well for them. And I'll acknowledge that, you know, when I'm talking to them, I would never, you know, say anything to, you know, about who they've been working with, because that's not, you know, cool for many reasons. But so, but I think what we are selling them, if you will, I mean, I hate to use that word, but is peace of mind, what you just said a while ago, you know, and so they, it's refreshing to them to hear, you know, something new, something safe, you know, let's, let's keep your money safe. Let's mitigate taxes, you know.

And, you know, one of the strategies that we use from Andrew is even what I call, you know, legacy planning, you know, for their children. We have a really neat strategy that we use that literally can, you know, generate. Pardon? I was just saying generationally, you're setting the... Thank you. Yes, generationally. I was just speechless for a moment, which is so unusual for me. Generationally impact, you know, their children with tax-free income. You know, I mean, you can just multiply their IRA, you know, two to three times the value with some of the strategies that Andrew brings to the table for us. But, yeah, the peace of mind, the safety. By the way, that's huge. Lisa, what you just brought up there is huge because it takes away a lot of the political stuff.

Right. Are taxes going up? Are they going down? I mean, if you can have your financial future and your children's and your great-grandchildren's financial future grounded in a tax-free environment, wow, that is a powerful thing. You eliminate a big disturbance that can affect the money that they've accumulated. That is true. And that's what I tell clients when we're talking about setting up their living trust, that what people don't realize is when you're setting up an estate plan, you know, you're not just looking at the legal consequences of the decisions that you make, but you are also need to take into consideration the financial consequences of the decisions that you make, because you want to, you know, position your assets that you're passing along to your children in the best manner that you can. And

what's better than sending that on to them in a tax-free position? And why not enjoy it while you're alive, tax-free? And so, yeah, that is always a conversation that people do not shy away from. Everybody's interested in tax-free and especially right now with the tax brackets are the lowest they've been in decades. And we've got a short period of time to get your tax ducks in a row. You know, everybody wants to talk about that. And so that's just such a fun conversation. Yeah. Well, hey, Lisa, what I want to talk a little bit about now is another role that you played because of our growth that are scaling up as an advisor, partner, mentor. And if you don't mind, share with the enrichers on how what you're doing and the new role that we've created where we are now bringing all of these tools

and benefits to other advisors throughout the country. I mean, you've got some mentees, as we call them, in different parts of the country, right, where you're able to share what you're doing by helping their clients with that foundational approach of what we call the estate plan portfolio and implementing that. Can you talk a little bit about how that is an avenue that you see as a growing avenue. And what it really ultimately does is it enables these other advisors that are out there that don't know how to navigate these waters to allow them to do the true thing they really want to do, which right, wrong, or different, is create that transactional opportunity with these households, life insurance, annuities, AUM, whatever the case may be. But can you talk a little bit about how that's been going and how you forecast the future for that role that you're going to be playing as a mentor on this platform?

Yes. OK, so that is really, truly exciting. You know, so you've created something amazing. exciting. You know, so you've created something amazing. You have created a process that, as I mentioned, competitor proofs, you know, advisors business. And it's something that once you start replicating that, I mean, it's just endless. The benefit of that is endless and really phenomenal. I, you know, it's a win-win situation for the advisor and the client with capital W's on both of those, you know, that's the ultimate goal for that. So when we're talking, you know, I'm working with and talking to other advisors out there, when you're talking about all the ins and outs of putting a living trust together and a state plan

together, if they're not used to that, it can be really intimidating and confusing. And they want the end result, but they don't know how to get there. And so that's what Carter has created is this mentor program where I've been there, done that, and I've done it for three years. And I am in no way being braggadocious, but I've learned it and I am in no way being braggadocious, but I've learned it and I do it well, you know. And so going back to the helping people, it's not just helping the client, but I love to share my knowledge with other advisors. You know, I'm not in competition with them. There's enough people out there for everybody to have, you know. And so, you know, do the right thing and let's share that knowledge. And so I've really, really had a lot of fun working with some of the advisors.

And, you know, it's not just the fun aspect, but it is just helping them to get started. And what it really does is it just takes takes the onus off of them of learning this whole process. We basically do everything for them. And when it's time to, you know, for them to have a conversation about how they can help them with their, you know, assets and maybe reposition them into, you know, different products, safer products, talk about tax mitigation, we turn it back over to the advisor. So they, you know, started at the beginning. We do everything in the middle, and then send it back to them at the very end to talk about the money. So I can't imagine anything

better. I wish you would have had this three years ago, Carter, and I would have been a participant at that point. But no, I'm glad I learned everything because, you know, knowledge is, you know, power, as they say. But the program that you've put together is fantastic. And I love helping people make money. And I'm talking about the advisor, you know, helping you make money and helping clients make money. So it's, you know, it is a now it's a three, one, one, one situation on that. But it's a good deal. It's a good, good program. a good deal. It's a good, good program. Yeah. And, you know, early on, a little bit of my fear, and if any of those enrichers or prospective advisor partners are out there listening right now, a little bit of my fear was, well, are they going to really feel comfortable that an advisor

that they're just getting to know is working with their clients. Can you talk a little bit about how that's actually, you know, worked out for, you know, yourself and the advisor and how it really is this multidisciplinary team approach and us doing all the heavy lifting on the estate planning side of things? Yes. And I totally get that. I mean, you know, people get very protective of their clients. And so I think it's, it initially starts with a good relationship between, you know, people get very protective of their clients. And so I think it's it initially starts with a good relationship between, you know, for example, me as a mentor and the advisor. You know, we need to initially build a trust factor there. They need to know that, you know, I've got their best interest, their clients best interest at heart. And so, you know, I think the initial trust begins, you know, with the two of us, if you will. And then, you know, they are welcome to participate in as much of this, you know, heavy lifting part that they want to. I'm not saying for them to do the heavy lifting.

But, you know, for example, one of my mentees that I worked with, you know, she wanted to be on the call with me for the first time when I spoke with her client. And after she was on the call for the first time, she was like, you know what, good, you got this, you know, go for it. She just needed to understand, you know, what was happening a little bit. And then I have another one that was just basically like, go for it. You know, I trust you. It's all good. That was a man, by the way. No, I'm just teasing. But anyway, so but it's a trust factor. But it's it's so easy. And once they understand, you know, that we're not trying to take their clients away from them, you know, that we are edifying them and helping their client understand, you know, what they can do and what their potential is, that they embrace it. And it's just been a good thing.

Yes. And I've been saying, and I know that we may be coming up on a break here fairly quickly, but I throw in, you know, just one other quick note. Number one, suffice it to say that it works. Right. And you've heard me say this ad nauseum. It all begins and ends with client acquisition. Right. The best products and solutions in the world matter not if you've got nobody to tell it or sell it to, right? So that's what this is really all about. This is all about those three things, and you've already mentioned one of them, right? Competitor proof in your practice, right? But the experience that the clients go through in your own practice, obviously, you see this on a regular

basis, that experience that they go through is unlike anything that they've ever experienced in their life, right? And I know that because we get that feedback time and time again, not only from you, but, you know, from your clients, but also all the other advisor partners that we work with, along with the mentors. So I just wanted to say just real quick again, that this is a collaborative team approach. We want everybody to win in this equation and everybody, every one of our mentors, including you, Lisa, we all have a vested interest in the success of those advisors after we've

done the heavy lifting. So anyway, I just wanted to reiterate that. And if you have anything else or Tim, if you have any other questions, maybe statistics, some wins that we've had or anything like that, that you want to talk about now too. Well, one thing that I want, go ahead, Lisa. Oh, I was just going to say, you know, it's not just for their current client base, but this mentor program is to help generate new clients. You know, the client acquisition that you were just talking about. So that's what most people are looking for. They're like, show me how to get new clients. That's the hardest thing to do. And so this, this has really been very successful from that aspect. Yeah. Carter, what you brought up when

you said, you know, finding clients is it's, it's a difficult part and it's like, you can have all these great products and stuff if you're lucky enough and fortunate enough to have those great products. But unfortunately, if you're with a big organization, you're going to be basically, you know, peddling whatever they offer. You know, you go to a baker, they bake, you go to a surgeon, they cut, you go to somebody that sells stocks, bonds, and mutual funds. What are you going to walk out of there with? Stocks, bonds, and mutual funds. So going to an advisor that has stocks, bonds, mutual funds, understands the whole thing, can know the fees, the differences, tax advantages, and has annuities, and has life insurance, and tax planning,

and all this other stuff. It's almost like looking, it's almost like the health approach, like where Western medicine compartmentalizes like, oh, you have to go see the knee specialist or the gastroenterologist. And then, but then they're like, yeah, my throat hurts. Oh, that's out of my scope. Right. You have to go see the throat doctor. And it's like the whole thing's connected, just like your whole financial picture is connected. And even if you are fortunate enough to be an independent and you have all these great tools and stuff and you have the whole team put together, you can be all dressed up like Jeff Dixon, my financial advisor mentor told me.

He goes, you can be all dressed up and no place to go because you don't have anybody sitting on the other side of the desk from you. It's like a dentist. Dentists are broke if they don't have their hands in your mouth. If you're not talking to somebody. So client acquisition is important. It's probably the most important thing because if you don't have that, you could be a crappy, lousy financial advisor. And if you have a constant stream of clients coming in, you're probably still going to do okay. So just imagine if you had somebody that gave you a train track to run on for all of it.

Like here's the clients. Here's the presentation to do. Here's what to do afterwards. Here's the follow-up. It's just boom, boom, boom, tax planning. And you can wrap that all up in one like you guys are doing over at CSI financial. That's really cool. So right now we'll take a quick break and we get back. We're going to get into Lisa's health. Are you with me? We'll be right back. You want the absolute best for yourself and you want it to be easy.

That's why we created Green 85. It helps with detoxifying the body gently. We're proud it's chemical-free, unlike almost all other supplements you'll find. Bottom line, Green 85 will get you healthier. We look forward to hearing what Green85 did for you. To get this product and our other amazing products, go to chemicalfreebody.com. That's chemicalfreebody.com. What's up, Enrichers? Tim James here with my host, Carter Wilcoxon. We've got Lisa Camacho in the house, CEO of Legacy DLC. Lisa, thanks for being on here. And now is where we

flip the script. We get off of the wealth and we're going to flip over to health. And this is your chance to ask me any question about your health, your family's health, co-workers health, anything like that. Okay. So I'm pretty high strung. All right. I give about 150% to my clients. I'm an overachiever and all of that equals a lot of stress. And, you know, so I have a family history of heart, you know, conditions and disease and whatever. And so, you know, when you put all of that together, that kind of creates a really crazy recipe for things to happen, you know, with your health or whatever. And so I, you know, I suffer from reflux and I just I don't know, I take medicine for it and I'm just so tired of that. And I just need balance, I think, in my life. And I just think that if I get that balance, it's going to make a bunch of things like that go away. What's your perspective on that?

Well, first off, I want to get you I want to take you off the hook as far as, you know, you know, you go into the modern medical system, they're going to say, oh, does your, does your dad have this? Do you have any history of breast cancer and your mom, you know, all this stuff. And then what they do is like, oh, you have a family history of that. Well, here's what, here's how, here's how it works. So genes and genetics only have about, what I've experienced and what I've learned, about a 2% to 3% weight in the whole thing. 97% of it is lifestyle and environment, okay?

And this goes back to Dr. Bruce Lipton's work, where he was a cell biologist for 50 years studying cells. And the whole concept was the nucleus was the power generator of the cell. And he's like, man, what the hell? I'm gonna take it out and see what happens. He took the cell out and guess what? The nucleus out, the nucleus was the power generator of the cell. And he's like, man, what the hell? We'll take it out and see what happens. He took the cell out and guess what? The nucleus out, the cell still lived. It was still alive.

So he broke that whole thing. And then when he saw that there was receptor sites and on the outside of cells that were bringing in information, he wondered how all that, where is it coming from? Then he realized that we're like radio antennas and TVs and that our energy and our sources came from outside of us and became spiritual overnight. But one thing that he did was, is he coined a term, um, that is called, um, that I forgot. I'll give it, but what he, what he does, um, I know, I don't know what's why sometimes this is part of being human, right? Like something you, I teach it and preach it all the time. I teach class on this. I can't remember right now. But anyway, what it is, is like when you take a, like a gene research, they'll take a healthy human cell

and they will put it into a Petri dish with a cancer causing agent, okay? They know the cell is going to mutate into cancer. And then they look at it and they're like, how can we create a synthetic to block that process or do something? We can patent it and they're like, how can we create a synthetic to block that process or do something? We can patent it and sell it to somebody. My thing is, is that why don't we not put the cell in the toxic cancerous environment in the first place so that it doesn't mutate at all?

That goes back to you to self-responsibility and understanding these things, the toxins that are in our air and our water and our food, the stresses that we have from our jobs and our relationships and electromagnetic frequency stress and all these things that we have going on. So it's called epigenetics. There it is. So the study of epigenetics, which is, it's the, what he said, it's like, it's the environment, stupid. Like when a fish gets sick, like this happened in the seventies. And if you guys remember like the great lakes, all these fish started dying and flopping up on the beach and dying and then the birds were eating the fish then the birds had these thin eggs and the hatchlings weren't working so do you think that when those fish got sick now i know there's a lot of intelligent people on here listening this is

going to hit home that we should take those fish and set up little er's all around the banks and start pumping chemotherapy into the fish? Or do you think we might say, hmm, wonder what's in the water that's causing the fish to get sick, right? But what are we doing as a human race? Well, we're not looking at what's in our water, what's in our air, what's in our environment, the skin products we put on, the makeups, the hairs, the shampoos, the toothpaste, the type of foods we eat, the clothing that we're wearing, you know, and all these things like Lycra bras and Lycra underwear that are off gassing these estrogen mimicking chemicals that lead to breast cancer and lead to hormone disruption and estrogen mimicking plastics. That's why it was, I'm always pounding

on Carter. Like if you purify your water and do all that stuff, but you're drinking out of plastic containers, you're disrupting your hormones just because you you can't see it doesn't mean this isn't happening. All people have to do is look up umbilical cord and chemical, and they can see the studies going back to 2005 showing that every single child and young mother being born, they're full of toxic chemicals that cause cancer and developmental disorders. So this is a reality that we try to expose the awareness. So now that you're off the hook, that genetics isn't like some predetermined destiny for heart disease, just because your family has, it means you're probably all eating the same crap. I mean, that's what it really boils down to. It's the same

lifestyle. Or maybe you're exposed to water like Flint, Michigan, or maybe you're living next to power lines. A lot of times it's the lifestyle, it's the foods and stuff that have been handed down. And then on top of it, we have all this extra stress. So now the question is, okay, I'm not predestined to have heart disease. What's leading up to it? And what can I do about it? Well, the first thing is, is actually limiting your meat intake. Dr. Esselstyn from the Cleveland Clinic was one of the top cardiac surgeons in the world. And he was doing bypass surgeries, taking a vein out of the leg and attaching it to heart to bypass the disease artery. That's a bypass. It's 50,000 bucks in and out, in and out, in and out.

He did that for years. And I mean, he had a waiting list for like a year to get him. He was like the best at it. And then one day he's like pulling all the plaque out of the artery. He looked at it. He's like, what's in this? So he analyzed it. And guess what it was. It was animal fat. And he thought, Hmm, I wonder if people stopped eating animals, that would help out their cardiovascular disease. And all the other surgeons thought he was fricking crazy because at medical school diet has nothing to do with your health. It's stupid. Who does that? And I'd send it, go to the dietician nutritionist. They teach them two weeks of that stuff in medical school. Go to see, go see the overweight dietician.

She'll give you or he'll give you the advice on what to do or go see the blind ophthalmologist. They'll help you. I mean, this is the mentality that we're dealing with today. Right? So he he does this experiment and he takes like 18 or he took 19 people and he says, I'm going to put them on a plant-based diet. Now I'm not saying that people listening, you have to go plant-based. I'm saying you want to up your intake of plants. I'm not saying quit meat completely. Okay. Especially if you're, but these people were multiple bypasses, quadruple bypasses. They were on their last leg. There was nothing else for them. They couldn't

operate again, stints, all that stuff they've done. And they gave them to those guys. I said, SLT is crazy. Let's give him the worst of the worst. One of the people dropped out of the program. He died. At the time, 18 of those people were still alive today at the time of watching that movie, years later. And actually, one of the surgeons, who was healthy and was a runner, had a heart attack right there in the hospital.

And he's like, put me in the gurney. I'm having a heart attack. And he was the healthy one. They showed a picture of his disease artery. Esselstyn puts him on a plant-based diet. In two years, his artery had healed itself. They have pictures showing how the artery was perfectly beautiful again. What ends up happening is when you have an excess amount of animal fat coursing through your veins all the time, you're covering up these things called endothelial cells. These are the things, these little cells that are releasing nitrogen oxygen into your blood and keeping that blood

flow going to, and it's all about blood flow. That's what it's all about. So the artery gets diseased and the blood can't flow. They have to bypass it and put a new artery in. So, so why not, why don't we get to the root cause, which is eating a lot of, you know, healthy, fresh plant-based foods. If you want to have a little meat here and there, it's not a big deal. Just don of, you know, healthy, fresh plant-based foods. If you want to have a little meat here and there, it's not a big deal. Just don't, you know, you don't need to go out and have the, you know, 400 ounce steak and, and, and, you know, and get the free meal, right. You know, or go to the heart attack grill in Las Vegas. And, you know,

it's free if you're over 300 pounds to eat there, you know, it's just like crazy have your heart and have a side of heart attack fries, you know, and we make fun of this stuff, but it's killing half of us. And it's not fun when your father dies in your arms of heart disease or your mother dies. You know, you get a phone call and your mom's dead at age 56 of a heart attack, which happened to my wife at the time. And hearing her scream through the hallway, and I knew something was terribly wrong and running in there and she speaks a different language. the hallway and I knew something was terribly wrong and running in there. And she speaks a different language, which means my mom is dead, you know, and I've been through this multiple

times with people and it's, it's, you know, it's fun to joke around about it, but the reality is, is that you can work your ass off your whole life and do everything right financially. But if you don't take care of your health, it's all for naught because you, if you don't have your health, you can't spend the money. And a lot of people save up all this money and they spend all their money down into a broken system, trying to get just a little bit of their health back. And it's just not working. So the big takeaway here is limit the animal intake. And, and also know that just eating a lot of fresh foods and fresh plants, you know, there's a whole bigger conversation here. It revolves on lifestyle. Now here's the biggest one because you brought it up, stress. You have a lot

of stress. So right now I know we're having a good time. There's a lot of fun here, but on a scale of one to 10, we'll be totally honest. First thing that pops into your mind, one being your mellow jello and 10, you're so stressed out that you just want to end your life. Where are you at on that spectrum right now? First answer. Seven. You're a seven. Okay. Now do this exercise with me. And for you and Richards that are not driving in the car, um, uh, you're in a nice quiet spot. I want you to go ahead and sit up straight. We're going to do some breath exercises right here real quick. And I'm going to show you how powerful your breath exercise is and your breath play breath work, whatever you want to call it. So go ahead, sit up straight, strong back, soft belly.

And let's go ahead. And if you want to, you can close your eyes and then put your hands on your lap and take a big, deep breath in through the nose. And then suspend the breath at the top, not in a forceful way, but in a gentle way. And then release out through the mouth. A nice, long, slow flow. Just let it all go. And then pause at the bottom with your lungs completely empty. And then back in through the nose.

And then suspend the breath at the top and hold. And then release out through the mouth. Again, a very gentle, slow flow, and then pause at the bottom with your lungs completely emptied and hold. Okay, back in through the nose, and then suspend the breath, and then release out through the mouth. Pause at the bottom with your lungs empty and hold back in through the nose suspend the breath and hold and then release out through the mouth, relaxing your eyes, your nose, your tongue, your lips,

your cheeks, your ears, everything feeling completely relaxed as you pause at the bottom with your lungs completely empty. Okay, last breath in through the nose, suspend the breath and hold, suspend the breath and hold and let it all go and then pause at the bottom of your lungs emptied in silence okay lisa go ahead and rich Richard, resume your normal breathing. How do you feel? Wow.

Relaxed. Okay, let's do that. On a scale of 1 to 10, 1, you're mellow, 10, you're stressed out, I'm done with this world. Where are you at now? Like a 5. Okay, so you went from a 7 to a 5 in about 1 minute and 14 seconds. What drug can you take that'll do that without side effects? None. Yeah, right. There is none, right? There is none. It can't even act that fast because it's

got to go through the digestive tract. It's going to get in your bloodstream, you know, all this stuff. Like your breath work is one of the most powerful things that we have because what we're doing here, and this isn't woo-woo stuff, this is taking you out of fight or flight mode. When you have this client to deal with and this stuff and demand and timelines, we got to get these signatures in and there's, oh my God, I got to take my continuing education. And like, oh my God, the SEC is coming for an audit. And there's all this stuff going on. And I still have to take care of my husband. I got to take care of myself. I got to take care of the kids. I got to take, you know, there's all these things going on. We are constantly in a state of fight or flight.

And what ends up happening is you're blowing out your adrenal glands, your cortisol levels are through the roof and you're going to wear, you're going to, you're going to be like a car that has an axle just break off. And all of a sudden your ass ends dragging down the road with sparks and you're going to pull off to the side. That's where people happen when they don't take care of their health, because it is fundamental to all of your happiness because everything regarding your body is connected. Your business is connected to your body. Your husband's connected, your relationships, everything is affected by your health, whether it's good health or poor health. Am I right?

Yeah, absolutely. So anyway, that is just a prime example right there. Now we teach people to do this breath work right before they eat so that we can get out of fight or flight and get back into rest and digest mode to pull the blood from the extremities back into the organ system so they can digest their food better. We want digestion and assimilation of nutrients. However, this is also another tool in your toolkit that you can use multiple times a day, Lisa, and it only takes a minute or two. You can just, you know, do it in your office, take a moment. You can set your watch, put it in your phone as a recurring appointment once, twice, three, four, five times a day. It's like breath work. You're like, oh, just pause and do it for a minute and bring yourself back to center and realize that you're going to be okay. I just made myself a sticky note that says breathe.

I'm going to put it on my computer. I love that. No, that is awesome, Tim. Thank you so much. Wow. Yeah, you're welcome. We definitely don't want you to have a heart attack because you're doing so much good work out there helping people with their finances so they don't have a heart attack when the market crashes, which always happens. You don't get those phone calls because you're setting them up right. So we want you to definitely take care of yourself and then you can be a shining example, not only to your clients, but to your friends and your family and the people in your community. That's awesome. Thank you so much. Wow. You're welcome.

So, Tim, I know that this is the health side of the Health and Wealth Podcast show and everything. And we talked just a few days ago that, you know, for all of our guests, we're going to give them some special takeaways for how you can do some nice things like this, not just on the show, but obviously things that you do for group lessons. And maybe Lisa has some clients that might want to be able to come in and maybe join a little group session or two. Yeah. So what we're doing, Lisa, is we, Carter's always about more value, more value. We want to create more value for the clients. Like he does done at CSI financial, and I've done my, my business at chemicalfreebody.com. And we thought like, we have you advisors come on and I'm here for you. If you want to do a free consult for your health or something in your family, we that's part of the deal. No problem. But I was thinking like,

if we can help you, but what about your clients? I mean, if you have a client base of a hundred or a thousand people, there's probably some people out there that are interested in this, this common sense information and would like to have some practical tools. So as part of coming on the show today or anybody listening, any enrichers out there, financial advisors that like to come onto the show, just reach out to Carter and you guys can be vetted. Come on. If you do, then I'm going to offer a free, basically like we can do a Zoom or a Skype. I can do like a live webinar and you can have attendees come on

and I'll do a free class for them. You can record this class, post it on your website as a value ad. And then you can also send it out in an email as a gift to your clients that, you know, you're not just about, you know, protecting their money, but this is another way that you're going to protect their money because if they're not around to spend it, then, you know, that's no fun either, right? So there's no, there's no do over when people have a heart attack, 25% of heart attacks end in death. So we can't change the diet. We can't do that stuff. So let's just try to get ahead of the curve. And for those that are open-minded and willing that want this information, then you can provide that form. And that's a free service that we're offering over here at the Health and Wealth Podcast. Awesome. Thank you. I imagine, yeah,

who wouldn't want to know that information? So if you're interested, just reach out to Carter and he'll set you up with me and my assistant will book a time and come up with the format. And it's easy as that. And the reason why, you know, Tim and I were just talking about that the other day about, you know, our additional value out of not just having you be a guest on here and, you know, learn some things right now. But, you know, let's multiply that. You know, we are always talking about Tim talk about this all the time about we're trying to live a life of abundance. Right. abundance, right? So since we do have so much to give, an abundant amount of things to give knowledge-wise, and you use this terminology that we have shared with you and you share with your clients about proactive estate planning. Well, this really isn't that same vein. It's proactive

health planning. And that's why I was like, Tim, you know, maybe what we should do is for all of our guests, you know, maybe we can give an opportunity for them to have their clients come on. And most of your clients are, you know, 55 and up, right? And that's when it's the most critical time for any type of proactive planning. This just happens to be on the health side of things. I think that's excellent because most people are reactive, you know, so I love that. Let's, let's be proactive. Yeah. I'm very interested in that. And I appreciate that your knowledge base is awesome and amazing. So I'd love to hear more about it myself. So well, thank you. Thank you for that. Well, another great show, Carter, where do you keep finding these amazing guests? Well, I gotta tell you, I'm highly blessed

and highly favored as far as I'm concerned. So it's been a dream come true. The scariest thing ever that happened for me, you know, seven years ago, coming up in July, right before that is becoming an entrepreneur, starting your own business, performance driven, no more salary to depend on, right? Scariest, most exhilarating, most wonderful, horrifying thing that anybody could ever do. And for you enrichers out there, like Lisa Camacho, we know exactly what it's like. So from an advisor's perspective, as someone who's been in the field and understood the things that were missing and lacking, that's why we built everything that we have here. Lisa is a perfect example of if you buy into the process that we've refined and developed over the last three and a half years, you will be abundant in that capacity as well.

So Lisa, let's leave it with you real quick. For those who are out there listening right now, if they want to learn more about Lisa and David Camacho and your process that you have there in San Antonio, where can they find you? Yes, absolutely. We have a website, so you can go to LegacyDLC, Inc. So LegacyDLC, like David, Lisa, Lisa Camacho Inc, inc.com. And that'll just give you a good overview. There's a way for you to connect with us on there. My cell number is 830-515-9598. And I'd be happy to talk with you on any aspect of anything we've talked about today, especially the CSI financial part of it is amazing. And I'm always happy to talk about that on any aspect of anything we've talked about today, especially the CSI financial part of it is amazing. And I'm always happy to talk about that. So hope to hear from y'all.

Yeah. And one last thing for those enrichers that may be, maybe they're prospective clients that are listening, right? I mean, the goal that Tim and I have with the Health and Wealth Podcast show is to make it mainstream if we can one day. So maybe this could be years down the road, right? Why don't you talk a little bit about the on-demand training and learning on estate planning and why it's so critical that you have on your website? Yes. So, you know, this COVID, which, you know, if you are years down the road listening to this, that's, you know, hopefully just in the past, has forced everybody to go digital, you know, and the demographics that we work with, you know, they've been resistant to it. But now it's forcing them to get comfortable with it.

And so we are no longer, well, at the moment, we are not able to do live workshops. So we have an on-demand workshop recorded for you to listen to on our website. And it will enlighten you on what an estate plan is, some scenarios that will make you stop and think, oh, my goodness, I have never even thought about that as far as my, my planning for, you know, the future looks like. So yeah, you can actually attend a workshop on living trust estate planning, right from our website at your leisure at home. Straight from the comfort and safety of their own home. So well, enrichers, thank you again for another wonderful show. Lisa Kamad Show. We want to thank you for coming on and being a truly amazing guest on our little health and wealth podcast show. So for Tim James, I'm Carter Wilcoxon, wishing you guys a wonderful day and living a life of abundance. And make sure to share, like, and subscribe to the Health and Wealth Podcast Show. And you can also now find all of our previous podcasts on the healthandwealthpodcastshow.com

website. Tim James, thanks again for being my phenomenal co-host and bringing it every single week. Thanks, brother. It's my pleasure always being here and talking with every single week. Thanks, brother. My pleasure always being here and talking with these cool people. Awesome. Have a great day. Until next time, we'll see you soon. Hey, enrichers. Thanks for tuning in to another episode

of the Health and Wealth Podcast. I'm your host, Carter Wilcoxon. And I'm your host, Tim James. And by God, we are committed to helping you guys have fat wallets, flat bellies. So tune in again for another episode and make sure to like, share and drink a lot of water or beer. You have just listened to the Health and Wealth Podcast with Carter and Tim.