Heroes in Business - Gary Loftsgard, Estate Planning Made Easy For Everyone

Episode Date: December 12, 2021

Gary A. Loftsgard, CFP, founded (ITS) in 1985 as an outsource estate-planning specialty service for law firms and pioneered the now-popular concept of multidisciplinary, advisor network #estateplanning in this episode of The Health and Wealth Podcast Show with Carter Wilcoxson

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, welcome back, Enricters. Carter Wilcoxon here on the Health and Wealth Podcast Show. You know, I normally start out with saying I'm really excited about our guest today. I am excited about our guest today, but today is more exciting than normal. Everything that CSI Financial Group and Epic Services Company has built their business model around in helping advisors win what I call the relationship war that is being waged every single day out there in a very competitive industry is we are joined today by one of my dear friends now and business partner, Gary Loftler. But before we

get started, Mr. Tim James, my co-host, how are you doing today? Hey, buddy, doing awesome. Excited to talk to Gary today. I was like, when I first saw him, I'm like, wow, this guy's in pretty good shape. And then I found out he was in his 70s. And I'm like, this guy is really in good shape. I'm excited for the third segment when we get to talk about health, bud. Thanks for coming on. go ahead and kind of just dive right on into it, Gary. We're going to, normally we talk about, you know, your backstory and how you got here and everything, which I want to touch on that. But then, you know, in the second segment, what we're going to primarily talk about is what is it that you and I have done together to really make this our accomplishment of trying to make it a

household name and what we're trying to deliver to the mass affluent all throughout the country who are really underserved. But before we get there, let's talk a little bit about, you know, where you come from. I mean, obviously, I know we've spent countless hours and emails together for the last, you know, four and a half years, coming up on five years, I think now. But anyway, Gary Lovescar of Integrated Trust Systems and the software that's actually called My Life Card Plan. That's the registered software name. Gary Loftsgaard, welcome to the show today. Thank you very much. Good to be here. So Gary, take us back to, you know, as far back

as you want to. And yesterday was Veterans Day, by the way. I want to say thank you for your service because it was Veterans Day yesterday. I know you're a veteran, but kind of sort of go back on what brought you and gave you a passion for estate planning. Okay, well, my story starts, by the way, Carter, I should say, I was just thinking about this, our podcast here. By the way, Carter, I should say, I was just thinking about this, our podcast here. You know, my story would be different without you coming aboard all those, what, four and a half years ago. And I just want people to know that right from the start. And we can go and touch on that later. But anyway, I had my start in the financial services industry and the legal services, the lawyers, the law firms who are there to set up estate plans.

For example, if someone's going to sell a life insurance policy and it's going to be payable to the spouse, what happens if the spouse doesn't survive uh what then and very little of that was really addressed properly what about minor children so in the early days i i began to see this disconnect most estate planning that i run across was uh provided by law firms who are good in that area and in trust planning, it was expensive. And you might say out of the reach of regular Americans, you know, people who are not, you know, extremely wealthy, and they just could not afford a lot of the excellent services that the law firms that did that type of planning were able to do. So I saw that need.

And so I decided to start Gary Lofts Garden Associates back in 85 after I went through the trust rules of state class at Hamill Law School. And and I did that as a back office service for law firms. In other words, I was their outsource. And that's how I got started. And then about a year later, we moved to Phoenix, but that would be 86. And I continued that model. One particular law firm in the west side of town I did quite a bit of work with. I would travel from Scottsdale over there, meet the client, interview the client, draft, go back to my home office. Back then I had a Wang OA computer with an inkjet printer, if you can believe that.

It would take about four hours to put that product together. But I go back and deliver it to the client at the law office. And that's what I did. That's how we got our initial start. But it wasn't too long after I got going in that that I realized that the advisor community were the ones that had the clients they're the ones that were easiest to work with they're the ones that I could develop my business with and that model really has grown and it's it's it's we still do back-office law work for law firms. We're still doing that. But the vast majority of what we do now is this model with working with advisors. So, Gary, you know, I know that you're from North Dakota, but let's talk a little bit about, because our enrichers, our listeners, you know, they like to hear, you know, sort of like where you come from and everything.

And talk a little bit about what it was like, you know, growing up in North Dakota. You know, I know that you played sports and stuff like that. And talk a little bit about that. Well, I did. I actually grew up in a very conservative family, Christian family in Red River Valley of the North. And it was there that I learned a work ethic. We, as a rule, the community that I lived in, we operated with honor towards one another.

We learned the work ethic. And just to try to do things the right way as much as possible. And that's the background I came from. And I think that background helped me to learn the value, if you will, of serving other people, because there's a great value in that. The farming community I grew up in, Park River, North Dakota, the farmers there would help each other. If someone was not able to get a crop off right away or something happened, they would join in just like their family. So it was that work ethic, that community, that helping one another that I think influenced my life a lot.

And I've always, always, and yes, I was involved in sports in high school and college and teamwork you know teamwork is really fun when it works right and I enjoyed that I enjoy being part of a team and having a team succeed together. Yeah, so teamwork makes the job work, right? Yeah, I have a three-year of college. A friend of mine from high school and myself, we volunteered. This was way, way, way back, Vietnam War. And we volunteered for the draft.

We served two years, one year in Vietnam. He didn't make it back. So it was kind of hard, but I got through those periods and kind of moved on with my life as much as I could. And back by the time I got into my 30s was when I started to get in the the financial services industry. And then again when I came across this model, if you will, I knew that I had found my life calling. Because for some

reason I got very interested in it. I did have a legal background also when I come back from Vietnam, when I was stationed for Bang, Georgia. I won't go into that in detail, but that was one of the starts as well. So, you know, one of the things I know that I've learned from you over the last, you know, four and a half years as we formed our, you know, initially business relationship and now friendship is that you used to go to San Diego, I believe it was, and you used to listen to all the best speakers in the estate planning world. Can you talk a little bit about that and maybe some of the things that you've gleaned from that and how you incorporate that? That's point after i earned my cfp designation

um you're required to have 30 credit union credit hours every two years to maintain an active designation so i decided to uh of course because i was in estate planning, I was made aware of the Southern California Tax Estate Planning Forum in San Diego. And I attended that several times through the years. And of course, there, we were taught procedures and applications that you wouldn't learn anyplace else. The very top tax planning attorneys would speak there. People like Jonathan Blattmacher, Owen Fiore, Stacey Eastland, all these people were there back then. And they were very, Eastland, all these people were there back then. And they were very, very good.

So I learned a lot from that, from those years. I also had an opportunity to work with one of the most prestigious law firms in Phoenix in those days. I was in their office several times and got to know them well, work with them. And I just had those blessed experiences. And it really helped me to develop, I think, a real broad-based knowledge of estate planning that probably most lawyers don't even have because they don't go there. In fact, most lawyers will have probably one semester of Trustful's Estates class. And it's pretty basic. And if that's all you have, you're not going to be very well equipped to help people in the estate planning arena. You can probably help them with a I love you will or something like that. But that's why this industry is so vast, because there's such a great need.

Out there. So let's talk a little bit about and I told Tim this, you know, pre show that we would eventually get into this because he asked the question about, you know, the software. Do you have coders and stuff like that? you know, the software, do you have coders and stuff like that? Let's talk a little bit about Steve Stern and how integral he is and how you've said to me many times that without him, you couldn't be able to do this. And you feel like in your, and I don't want to take words, you know, put words in your mouth, but I know that you've talked about how, you know, how incredibly important that he is. Steve Stern is a remarkable guy. I have to believe he's got to be the top five programmers alive today. When I was introduced to him in 2003, my world changed.

He was the fourth programmer or law or office programmer that I had contacted. The first three couldn't go very far, couldn't do what I was wanting to do back then. But I met Steve. He said, no problem. So we started this relationship back in October of 2003. in October of 2003 and it wasn't long after that where we became active online we started to develop client data questionnaires with HTML pages that changed everything prior to that we would get applications by mail or fax machines and I have all this chicken scratching that I had to go through, you know, that we had to go through. So having Steve set that up for us in the initial stages was a big deal. So we were still doing, though, the paper, as we still do today. In fact,

this morning, we just got a paper transaction order this morning, right before this call. We still get that, but now we're getting about 90% of all the business we're doing is with the digital transformational application we can talk about. But anyway, Steve had the ability. When i saw how good he was i started to ask questions about 2009 i started asking questions i said steve what about this can could we do this and he says yes and i go really well can we do it this? He goes, yes. Well, how about that? Yes. You want this this way or that way? Well, that started it. I started using my imagination. What would this surreal-looking application be?

That's how I started to do it. I just went for it. And he programmed about everything I could come up with. I mean, and he still does today. It's just amazing, the technology that he was able to code. That's why I believe, I say this with a humble heart, but I don't think there's anything like what we have out there anywhere. And one of the reasons I believe that, two reasons I believe that, one of them is the experience that I bring to the table that goes way way way back there right 36 years now and the other one is uh Steve Stern's skill so that combination I think is one of the things that makes us unique today. As far as, and let me just say this too.

I can add this to this comment. That the other thing I saw that was really important was the client was at the bottom of the total poll. Carter, you and I have talked about this before many times. You could tell the story probably better than me. But clients were always at the bottom of it. They very often didn't know what they're getting into. They didn't know where to go, who to contact. And when work was done for them, they oftentimes didn't know what they had. And then they didn't want to go back to the law firm to get changes made as just what everybody needs down the road.

So, you know, I saw all that during all this process of time. And then we built out the MLCB platform really with a total client-centric attitude maybe that's the best way to put it it was the attitude of putting the client first complete control no questions asked however however the client cannot do this alone he needs the advisor support, the attorney support, of course, the software and our teamwork that we have now that just really makes my heart glad to see how it's really developed. Yeah. So Gary, thank you for that. And that's, backstory and context and everything. And obviously, you know, the thing that, you know, the two of us have been completely simpatico on from the very beginning is elevating the client experience. You know, with Epic Services Company, you know, and I say this on a regular basis, our mission is to elevate the client experience. And what you recognized early on, way before I even knew who Gary Lofsgaard was, was that clients are underserved or misserved or, you know, not served

at all, or, you know, they have this challenge and issue, and especially the demographic that we're going after, right? The mass affluent that typically are not, they're not provided the level of service that we now provide and what we wanted to address, especially with Epic Services Company. But, you know, our affinity to want to make sure that the client was always not only in control, but had access to team members that could not only now, but in the future, even make sure that any types of updates were going to be able to be, to be had. So with that in mind, if you don't mind, talk a little bit about the genius of the platform on how restatement has changed for those who have in

the past been frustrated with continually having to go back to the law firm to get edits and updates done are you talking about the restatement of trust application yes yeah exactly yeah because a lot of people don't know this and this is why as as tim knows he's heard me say this countless times on this podcast our our unique onboarding process called the 90 and 90 formula. And for you enrichers out there who have not heard this, the 90 and 90 formula is built around the entire onboarding process where we can get 90% of your estate plan done in 90 minutes or less, to which we continue to share and enlighten those clients the other 10%. The other 10% is what law firms won't tell you about.

And what I'm talking about with restatement of trust and how it's been frustrating for clients to have to go back. And every time they do, they have to restate their trust and that's another cost, another fee. So, you know, as far as like the definition of what restatement is and why our platform is so unique when it comes to that. Well, Carter, we're going to, we're coming up on a hard break. We're going to have, we're going to have to go to break and then we're going to have to come back and get that question answered. And it's important question. And first off, I just want to say, number one, Gary, thank you for your service to our country as a veteran.

You know, we're just after Veterans Day here. And I want to give a warm message out to all of our, our active military and our veterans fighting battles on two fronts today, fighting our own government with certain types of mandates and stuff that are not. I just I just I have to say this because I had a guy who I heard a story through our truth, freedom and health movement where he called in. He said, look, I've been like a like a dog trainer in the military, like, you know, the dogs that sniffing out the bombs and stuff. These guys are the ones going in ahead of everybody else, putting their life on the line. He's been training dogs for 25 years. And they said, if he doesn't get vaccinated,

he will be dishonorably discharged and not even have his pension. And he said, I am not going to get vaccinated. So it's just, it's really, so with stories like that, for those of you in the military that are on the side of not getting vaccinated, our heart just goes out to you. And we want you to stay strong with that and other support behind you. And there's other ways other doors will open for you. There's so many people that are looking for good quality people to work and you can start your own businesses and stuff like that too.

So I'm always open, man. I'm always open to talk to military. If anybody wants to, you can always reach out to us, uh, reach out to me at my, our 800 number, 888-368-9898. That's 888-368-9898. If you want to start a business, you're looking at how to get hired as a military veteran. Um, you're looking to improve your health, um, deal with post-traumatic stress. We've got your back on all of that stuff. So I just wanted to say that because this is technically our Veterans Day show, even though it will come out a little bit later. And I just wanted to say that. The other thing is, Gary, I'm not going to hold it against you that you're an attorney because it's kind of a necessary evil estate planning deal. But now I understand why the estate plan thing is working so well for my

81-year-old mother and father, making it very easy. And for me as well, being a former financial advisor, because there's a heart and soul behind it. You're a really genuine, decent man who fought for his country, came back, lost a friend in the battle, and now you're you're you're a really genuine decent man who fought for his country came back lost a friend in the battle and now you're over here helping people and then you got this wonderful coder and for those of you that are going online if you don't have a good tech guy you're screwed okay spend a lot of time up front don't hire the first tom dick or harry that comes down the road you have got to find an ace. And if you're going to do that to make your dreams come true, just like Gary has made my life come true. So anyway, with that, we're going to take a quick break. We'll be right back with Gary Laskar. Estate planning.

What does that even mean? When the inevitable happens for everyone on this planet, your estate plan kicks into action. But first, let's start with what an estate is. An estate is simply everything you own. Now, here's the issue and what needs to be understood when this event occurs. You only have two choices on this plan. Number one, either you plan how your estate gets handed out and distributed to those you leave behind. Or number two, your state decides who gets everything you own. For the first time ever, you can now take complete and total control of this plan that you've been deprived of for most of your life and generations before you.

You can get personalized assistance along the way with a team of specialists whose job it is to make sure you have true peace of mind. It's important to understand that estate planning is a journey and rest assured that our team will be available to you all along the way and at every step. Welcome to eState Plan, home of the last estate plan you'll ever need. To learn more, make sure to reach out to your local advisor licensed with us or go to our website for more information. What's up, Enrichers? Tim James here with my co-host carter wilcoxon back in the house today we've got uh well first time he's a first timer gary lovsgard actually the the heart and soul

behind uh my life cart plan which is also um carter's been working with him for quite some time so carter you were asking gary a question about reinstatement so i think what you're alluding to is like once you have what's so awesome about the program, Gary, that you set up for the client based on they've got the trust in place. They went through the process and now changes are being made. Why is it so simple and easy compared to before? And how does that serve the client? before and how does that serve the client? When the client purchases the platform usage from us,

they have what is called a client console. It's a secure portal. They can log in to their client console at any time, day or night, as long as they have an active member a membership with us and they can make changes any time that they want uh to suit whatever they need to have done so most of the time when people set up revocable living trust when they make a change they're used to the concept of having amendment done and amendments of course take time and money to do well with our platform the client has full access to make that change on his own anytime so there's no need to go back and redo a restatement of trust like we've done many of

them over the years. People have trusts they've done over the years that they need to make changes on in many different areas. So the best way to make those changes is to restate the entire trust. And of course, that's like purchasing a whole new trust again well that's not necessary on our platform in fact we get a lot of people coming in Carter knows this that already have a trust that they've set up they have it partially funded and but they want to use our platform they find out about using what we have so then what they can do is come in and order a new format with us and they can restate their original trust we have what is called the restatement addendum so there's a restatement addendum that goes with the whole new format that they have with us. So people that have previous trusts, they've been previously funded, can still use our platform.

And if they use the restatement addendum, they don't have to go back to the retitling process of their assets that they want to keep assets retitled to their original trust. So I think that's what Carter was asking about earlier. But the main thing here, again, is the ease that the client has of making changes to his documents. I'll quickly comment that, once again, our programmer, Steve, Quickly comment that, once again, our programmer, Steve, taught me how to work with him in developing what is called replacement and removal code. That was quite a process. We spent quite a bit of time doing that. that I've not seen anyplace else used, is one of the big dynamics on our platform that enables people to log in, they make a change,

they submit it, and in about 45 seconds, their documents will show the new change. It's that simple. So that's, I would say, a revolutionary approach, one of the revolutionary approaches that we offer to end users. Awesome. Let me break this down for people. If you're listening to this episode today and you're not a financial advisor, let's say you're thinking about getting a Willer Trust, or if you are a financial advisor, I want you to listen to the, really want you to get this in your gut, how awesome of a product service this is for your clients and how it's going to help you

bulletproof your client list is that you think about this. Most people put off doing a trust, but you finally get them to do it. Or they finally, some, usually a dramatic thing happens and another family member or a close friend dies or something. And then they see that, you know, the the the husband's got dementia and he goes into a care facility and it's seven grand a month and just drains the assets down and he falls and he has to go into ICU. And then the state ends up leaning the house and then the wife is left destitute with no money. These are the types of things that happen. And it's like, oh, wish I would wish I could. Right. If you had a trust in place, those assets would have been protected. He might have went under state care, but wife would have still had her money and she'd have been able to live her life. And that's what he really wanted, but they didn't take care of business. Okay. So that's what happens. Let's say now the trust is in place. You got it all right. And then your daughter marries an alcoholic and you find out you're into their marriage that he's been slapping around a little bit okay that's where you want to be like okay we need to go see our attorney don't want to do it because they're going to charge me $300 an hour

so you book the attorney appointment and the reality is is that the attorney's assistants at $95 an hour are going to do most of the work, but you're going to pay $300, just the reality of it. And it's going to take a process to get that done. Multiple meetings, and it's going to be a lot of money. But the problem is, is that you drive down to sign the final documents and you and your wife get hit by a bus and you die. And a year later, your daughter dies of cancer because of stress from getting beat by this alcoholic husband. And he wastes all the money and the grandkids get nothing. So what's cool about I just we always plan for the worst and expect the best. But we have to think about scenarios like this as a financial advisor protecting our clients.

We want to prepare for the worst and expect the best. So now with this type of service where you can log in instantly and bypass him and hit submit and it's done. It's it, right? And if you need attorney, if you need attorney help, you just reach out to the attorney and you book appointment right inside the portal, which I'm doing right now. So it makes it easy and it's $95 a year to maintain the service and you have 24 seven access to not not only be able to make changes but also to contact and have an attorney help you with any questions. It's the biggest no-brainer. I literally was like, I thought it was $95 a month and I thought that was still an amazing deal really, but it's really awesome. So anyway, I just want to be clear on that so people understand what's going on here from a layman's point of view because this is a very powerful program and it's really awesome. So anyway, I just want to be clear on that. So people understand what's going on here from a layman's point of view, because this is a very powerful program and it's really client centered. So I just I just really like it, Gary. So thank you.

Well, Tim, you you define that very well. Let me make a comment on to that. The way that the client can stay connected to the support team, the advisor record, and the attorney record is through what we call a notepad center. So the client can log into his client console and enter in a notepad message that will go out to the supporting parties by email. He can ask questions. Whatever he wants to do, it's going to go out to the people that he chooses for that message to go out to, and he can get answers to his questions, or if he needs support in helping to draft a clause in his trust, anything, he has that support. And we rarely, our goal is to answer those notepad messages within 24 hours, business hours of when it goes out. That's our goal with it. So people really appreciate that. I have had so many thank yous, thank yous, thank yous from clients

who have really appreciated that support. And I'm very grateful that we can do that because I can say that my heart is, again, like I said earlier, to put the client first. Yeah. That's the goal. Your guys' system just makes it easy and simple and stressless for people to go in and protect and control their assets above ground and below ground after they pass away. That's the bottom line, above and below below and it's really important to do this and i think the accessibility that you guys are giving people is allowing people and we keep beating this in on the show because we really want people to understand like this is a very important you don't have to be a bazillionaire

millionaire have an estate plan done you need one you gotta you have anything that you want to keep in the family protect it keep it safe you need to trust wills don't work trust do so carter yeah well if you don't mind let me just uh i want to chime in i want to say one additional thing about you know the the genius that the connectivity between what gary's experience and learning all of these things along the way. And then the addition of Steve Stern, his programmer, and what I call in the Notepad Center that Gary mentioned, I call it the CYA KYC area, right? So it's, you know, KYC, for those who don't know what that stands for, that means know your client. And uh cya hopefully everybody understands and knows what cya is when you put a message in the notepad center it's time stamped to the second and it's

a permanent record inside the client console so that is not it's not only just the access it's also that it's a permanent record so when the inevitable happens for any of us, when we go through the estate planning or estate settlement procedure, the corporate trustee, in most instances, when we start to settle these estates, they'll be able to also go through the client console and see if there was something that was stated at a certain time in a timeline that may be have happened in the last six weeks or six months or whatever the case may be. But by having that timestamp to the second, it helps us and whoever's going to settle

that trust, if there's any type of a conflict that might potentially happen, we have that as a record in the documentation. So I wanted to talk a little bit about that part of it as well, Gary. That's a really good point because having the ability to record, to permanently record all of the communications between the clients, the advisors, the attorney of record is important. And I know from experience that sometimes people would say that they requested something when they didn't, or they requested it a certain way when it was

done a different way. So we really require all of our communications that are attributable to the estate plan to be done on that notepad center. It really is a focal point, as you brought up. And all of the messages are time stamped, and they're all there. So that's been a very functional part of what we do, working with the clients and supporting them is a good point. I'd like to make one other comment about what Tim talked about a little while ago. Really, really good point. You cannot control without a trust beyond the grave what's going to happen to your estate. Now, some people set up wills with testamentary trust. Some people set up wills with testamentary trust.

That's a will with a trust clause or clauses connected to it. That is a form of a trust, but of course that goes through probate before it's funded. We're talking about revocable living trust here. But like Tim brought out, let's say you have three children and you want each one to have equal shares of the estate. One of them is a daughter married to a ne'er-do-well husband. Well, if the daughter becomes an outright heir of, say, $800,000 and she's married to this ne'er-do-well guy, the likelihood is that's probably going to get spent down in a way that the that the asset owner would not the parent would not want so the way you can control that is through dispositive provisions in the trust draft we have many different uh clauses and apps that we pull down that can be inserted in the draft in the governing instrument and can be modified to fit anything that needs to be done. And what's really neat is, again,

if you had, say, two shares going outright to the two children, the third is going to be held in trust for the daughter for a period of time well the client can go back in and change that clause if something has changed if there's been a divorce or something has changed they go right back in and they change that clause that applied to holding that daughter's assets and trust for a period of time. Once again, it makes it real easy for the client to have complete control of his plan that way. So, Gary, you've really, I mean, in the grand scheme of things, as far as I'm concerned, you know, you've thought of everything, but I want to talk a little bit about, you know, how we connected and, you know, what we've really done, you know, together to form this partnership because of that shared vision of, you know, being client centric, right? The end user consumer having the ability to elevate that client's experience. But I know whenever I met you originally, you know, you've said to me,

you know, you're a self-professed non-marketer. You're like, marketing is not a thing, right? That's not what I do. But, you know, I saw what it is early on. I connected all the dots. You know, you have, you know, we've spent thousands of hours together on the phone, emails, you know, conversations, working on Saturdays and Sundays, you know, for me to learn a lot of the things. But, you know, if you, you know, talk a little bit about what it is that you feel like I saw early on and how, you know, you feel like we are on the, not only the right trajectory and the right direction, but how we're ultimately, you know, potentially going to be able to make this a household name. Well, in the early days, you know, after I realized the model was working with advisors,

um, I, I began marketing, uh, to, uh, even to broker dealers back then. even to broker-dealers back then. And we would get positive responses from decision-makers in the broker-dealers even, and, of course, from IMO directors and so on. But the problem is that a positive response is the first step. There's a lot more to that uh to developing a business together than than just to go yeah you got something good here then what's the next step so what happened is through the years uh i had a good business going on there was one company in pennsylvania uh back in the 90s that saw they saw it And they did a lot of business with us that went on

for quite a few years. But when you came aboard, when you were first introduced to the platform, at first, you weren't sure what this is about. And then we had a couple of phone calls, I think about a month or two after you found out about our platform. And then you kept saying, what? You know, are you sure? And then you asked me, you know, where have you been hiding and things like this? Anyway, I could tell you had an inordinate amount of interest in this. And of course, you took this application of marketing and training and support to a level that nobody I've ever worked with before has ever done. And it's made a huge difference in our company, in our bottom line. You have done, you know, I'm just going to say, Carter, I mean, you've helped change my life.

And I'm very grateful for that. And it just seems like we're getting just a good start now. So, yeah, you saw what I was trying to communicate to others, you saw it, and then you did something about it. Now, we've had a long road here. We've had our ups and downs like everything, right? Yep. You know, you bump into things and you go, well, we've got to change that and do this. And, of course, the development of the trust company that is forthcoming is going to be huge. I've always believed for many years that that's a very necessary component,

having directly connected to what we're doing. And I see that coming about here. So it's all coming together so nicely and you're definitely one of the main reasons for that. Yeah. So, you know, Gary, my, my benefit that I had, obviously whenever I started CSI financial group and of course have expanded our access and giving access expansion wise to, you know, register rep RIAs and, you know, ultimately other IMOs that'll be able to take what we have really refined and perfected over the last, you know, four plus years and allow them to use the model that we've, you know,

created, if you will, for primarily client acquisition, because that's where it all begins. And as you've heard me say ad nauseum, product is not the unmet need, right? So that's what advisors have. They have products. That's how they monetize relationships. But if they really want to be impactful, they really want to make a difference in the lives of the households that they are working with or looking to work with. There's no better way, in my estimate, than starting with the foundational approach where it's estate planning. But estate planning, honestly, is what the industry jargon we use. But really what it is, is family succession planning.

Family succession planning. And, you know, Tim and I, we've used that phrase on the podcast, you know, countless amounts of times because estate planning a lot of times is a misnomer, right? A misnomer. And what we're really setting out to do is deliver what I call the three E's, where we educate, enlighten, and empower those advisors' households to take control. those advisors' households to take control. But instead of losing control themselves by sending them away to a disinterested third party, as I call it, a state planning attorney who has a totally different agenda, almost without exception, we wanted to maintain the control and the continuity, but maintain the autonomy. So we became, at Epic Services Company, their in-house or their outsourced estate planning team to get this done, who works collaboratively with those advisors.

So when the client goes through this entire experience that is elevated, it leads to not only client acquisition, but client retention and ultimately with the trust company client generational control. So anyway, do you want to talk on that a little bit? Well, guys, don't forget that that estate planning attorney that you either did or didn't send your client off to to get that trust done probably has a friend that's a financial advisor. Think about that. Right. friend that's a financial advisor think about that right so i remember there was a survey done by property and casualty insurance uh this pnc guy showed me he said that if you have one piece of business the chances of the retention was you know whatever 25 i can't remember the numbers at all

but if you had two pieces of business it went up dramatically to like 40 but if you had three pieces of business it was over 80 retention the client would never leave you because it was just people don't like changing i mean they want to people don't like it when their gas station is shut down or something or they can't get gas i gotta go somewhere else and think outside the box like we get into our grooves and our our ruts so um you know bulletproofing yourself um this is just one more layer to bulletproof your client from leaving you, basically. And they're not going to want to leave you

if you're providing value. That is very true. Very true. Speechless. You guys are speechless. Okay. Okay. okay I can't hear Carter he's talking I can't hear him no wonder he's speechless you're muted Carter

duh I was trying to be quiet whenever you know I can't believe Carter's speechless yeah that's impossible you guys had me fooled. The only way you can get me speechless is to mute me. Well, I would do it, but I don't have the master control you do. So you can mute me, though.

Yeah, there you go. So, well, you know, anyway, I do want to talk, you know, maybe about a couple of other, you know, little things here, Gary, to touch on what it is that makes, you know, the entire ecosystem, as we call it, you know, unique. Not only is it about, you know, the education that we provide for end user consumers to really take control and empower them to get this type of work done. That's really never had access like this before. But talk a little bit about, you know, from your perspective, you know, the jurisdictional shopping and the thing that I feel like the reason why I say we're in the knowledge for profit business. By the way, I'm talking about a Nevada-based corporate trustee today. I'll talk to you about that offline. Also, you know, add another one to the potential mix as we've been talking and everything. But talk about maybe

the importance and the connectivity between the Nevada Citus and the corporate trustee within the framework of what it is that we're doing. Well, Nevada has probably the best pro-trust law anywhere in the entire country. And I say that because I am a legal researcher. I spend a lot of time doing legal research in this arena. In fact, when we put the My Life Card Plan platform together, I was trying to find a way to make this easy to use on a national basis. way to make this easy to use on a national basis. Prior to that, we would work with attorneys, really in all 50 states. We devised templates that would work for all 50 states and we still have them. But when I started to consider the procedures that we could put together, and I realized there are a few states, Nevada being one of them, that are most ideal to establish a living trust. Nevada has no state income tax.

They've codified directed trusts, trust protector laws, on and on and on. trusts, trust protector laws, on and on and on. So it really, Nevada law, it really is very compatible with everything we're doing. Plus anyone, anywhere in all 50 states can establish a Nevada Citus Trust, just like anybody who's going to incorporate can establish a Delaware Corporation or a Wyoming LLC, which I've done many of. So when I realized that was the way to go, it really streamlined things. That's not to say people can't, they cannot name their own domicile to have the trust administered.

They can do that, easily do that. But we default to Nevada law. And very, very, very few people even question that because when they see the benefits of it and uh how easy it is to use and and uh there there's it's just it's worked better than i even thought it would so uh so with my parents we're in oregon are we taking advantage of the best pro-trust law in the country in Nevada? You are. Now, the only difference is whatever state the client is in, for example, if a state has an estate tax level, if your parents, when your parents die,

whatever the laws of the state of Oregon are for their citizens would apply to them in terms of if they have to pay a state tax or if there's an inheritance tax. Even though you have a Nevada Citus Trust, it will not go around. It will not preclude those those issues um nevada is a community property trust or community property state and even though a client in a non community property state sets up a nevada trust they're they're they cannot declare that as community property because they live in a non-community property state. But that does not preclude them from using all the other benefits of Nevada law. Does that make sense?

Yeah, in Oregon, if it's over $1.5 million, it's like 10.25%. So even though the assets and everything's in the trust, that's all going to be added up and the state's going to be like, we want to check. Well, yeah, the federal exemption quote amount is worth, what, $11.7 million right now? But if there's a state transfer tax law, that's going to apply outside of the federal transfer tax law. transfer tax law, that's going to apply outside of the federal transfer tax law. So like I said, setting up a Nevada trust would not preclude any estate tax liability that a client may have in the state that they're in. So you can't get around that, but that does not, but all the other things that are applicable within the battle law would still be applied in that estate, even though your parents are from Oregon.

So, that's a good point guys. For example, I'm just going to say real quickly, if your parents trust after their decease, the declaration was that assets are going to be held in trust and the income from those assets was not going to be distributed out, it was going to stay in trust. Well, then since there's no state income tax in Nevada, the income that will be held in trust the trust becomes a uh the taxpayer but it would not have to pay state income tax since it's a nevada site as trust if we were in oregon it had to pay state income tax of those of the income generated by the trust just like we have to pay federal does that does that make sense is that clear yeah i think so so let's just run this through for people

listening again for the layperson so um we'll use my example okay i'm 48 years old parents are 81 we're setting up their trust we get it done and let's say you know they pass away within the next 10 years whatever okay they pass away and i decide I'm going to rent out the house right now. There's going to be income. And let's say they have some assets in the bank. Let's say they got, you know, 300,000 of the bank and I put that into whatever investment it's getting 5% interest. So I've got interest income from the assets, the liquid assets.

And then I've got a rental income from that single family residence on that property. So how is tax going to apply at that point? So are you talking about that property staying in your parents' trust after their decease? Yeah, unless there's another method to transfer it into my own trust. Well, if the language of the trust would determine whether or not that property is going to be staying in the trust. If the language does not require the property to stay in trust, that would just go to you outright and you would be the new owner of the property and the trust wouldn't apply.

If the trust required the property stay in trust for say 20 years after their decease, and then it goes to you at the end of 20 years, the income generated from that property would be K1 out to you, you would pay the tax on that. Based on my income level. Pardon that. Based on my income level. Pardon me? Based on my income level.

Yes, if you're gonna be saving, but if the income was not K1 out, and it went back to the principle of the trust, then the trust would have to pay the tax. And again, if you're in Oregon, you have to pay a state income tax as well as a federal tax. But if it's in Nevada,

there is no state income tax like nine other states right now. Yeah. Cool. Or six other states. Well, Carter, do you have any other last questions before we take our final break here?

Well, I wanted to, I want Gary to touch on the, the one thing that obviously the inevitable that's going to happen forthcoming, as Gary mentioned earlier, you know, Epic Services Company will eventually apply to get its trust powers to become a corporate trustee. We're forming relationships with other Nevada-based corporate trustees, but, but Gary, just if you don't mind, just a little bit of on what you've educated me along the way, which forced me or I don't know about force, compelled me to move down the road of going out and starting our own Nevada based company. Just how important a corporate

trustee when it comes to a state settlement for a lot of instances is the necessary piece of the equation to be able to get a lot of these state settlements done in a proper manner. You know, that's a really good point because most clients, not knowing that there are choices, will choose their children most often to be the successor trustee of their trust in other words to administer and to settle their trust estate when they are gone well the problem is is that most children have no idea how to settle the state they don't know the rules or the laws in fact it can put them in a

compromising position because if they make mistakes it can put them in a compromising position because if they make mistakes, it can cost them because they are now the trustee fiduciary. So all of that's changing with the way that we're going to develop into the corporate trustee application and are doing that now. The corporate trustee obviously is a professional entity who is recognized by state law to perform these duties and has the experience, the knowledge, everything that's necessary to settle in a state, to administer a state. I have seen so many cases, I've had so many phone calls over the years, when a child is chosen. And Carter, as you know, we call the child Sonny Boy, right? Right. Sonny Boy is chosen as a successor trustee, I get a call on the phone,

call on the phone. He says, what do I do now? And he has no idea. So that process, oftentimes, people think they're doing a favor by choosing their children as a successor trustee. Most of the time, that's not the case. So the corporate trustee is the best choice by far. The problem has been, real quickly, in the past, corporate trustees have not been designed to serve the masses. They've been designed to serve the elite for good reason. They generate a lot of fiduciary fees when there's multiple millions of dollars in the account. I get that. But what about the average American family? Bringing corporate trustee services to the average American family in the estate planning arena is revolutionary. And I just think it's going to be so awesome when that is put together the way we've been talking about uh very shortly here and uh we're using corporate trustees Carter as you know

yep um but uh but having that real fine-tuned well-oiled connection is going to be, that is my, that's the final piece to this. And it's going to be awesome. Yeah. Yeah. So that, you know, that ecosystem, as we call it, you know, that's the, you know, if you absolutely want to have the grantor's intent followed through the way that they intended for it to be followed through, without exception, there's no more optimal way than with a third-party fiduciarily responsible, regulated corporate trustee. And of course, since we cite everything in Nevada, obviously it'll be a Nevada-based trust company.

So anyway, I just wanted to allow you the opportunity to not only the things I've shared, but also with the enrichers, get them to understand that forthcoming, not that we won't have an interim corporate trustee that's in Nevada, which we're in those final discussions right now and probably be ready to go within the next two to four weeks. Of course, by the time they've listened to this, it's probably going to be fully implemented by that time. So anyway, I just wanted you to share with you, you know, with the enrichers, your knowledge of understanding just how critically important to have the grantor's intent follow through by having a corporate trustee be that successor trustee.

There, yeah, there are just so many benefits to it. We could talk for the next 30 minutes about it. I mean, it's just so many benefits to it. Again, the problem has been the cost and the lack of accessibility to corporate trustees for the average family. And we're going to change that now. This platform will be a perfect fit for that application. There you go. That's big news, guys.

That's really exciting breakthrough happening right here live on the air on the health and wealth podcast big i hope you guys uh i you guys are going to dominate the world and you're going to do that by helping people solve problems help solve a problem a very and sometimes it's a problem that people don't even think they don't even know they have those are the those are the problems that really get people they don't even know it's a problem but you know through education and awareness then people can you know shine some light on um a dark area that they don't want to spend time i mean because a lot of people always think oh i'm gonna get my trust set up it's friday what do you want you want to go see a lawyer and drive

downtown and get an elevator and see a lawyer and spend a lot of money or you want to go have pizza with your friends. But, you know, nobody wants to do it. But when somebody dies or something bad happens, I wish I would have. So we won't be doing that anymore. You guys are going to save a whole lot of people from saying I wish I would have. So anyway, so we're going to take a quick break and we get back. We're going to have Gary. We're going to flip the script and Gary's going to ask me any question on health 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 Green 85 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 i'm back with my co-host Carter Wilcoxon. He has two microphones, but they're behind him. So what's up with that, dude? Well, hey, you know, I'm glad that you asked. It's interesting. The interface, the user interface that we use for these shows, Webinar Jam, shout out to Webinar Jam. Make sure you get with me if you want to get the affiliate link um they just added a virtual background as options so i was looking through the different virtual backgrounds and one of them is this this podcast background so it looks like i'm talking in the

microphone right now yeah he's got two mics actually well that's for my guests yes for my guests to sit in and they haven't showed up yet but as soon as they show up okay i get it right so for those of you just listening you can't see us on youtube or wherever it's like there's an empty desk behind him it's a fake it's a fake image yes but it's funny because it's got two podcast mics and nobody's using them totally okay so gary um you're in your 70s you look pretty damn healthy how'd you you know well i was gonna ask you how you got there, but just go ahead. I guess you get to ask me the question. So go ahead.

Well, I, I, I've been active pretty much most of my life. That helps golfing and whatnot, going to the gym. But I was just mentioning earlier that we've been, my wife and I have been married for 36 years. And when I came into the marriage, she accused me of having bloodshot eyes and white skin and common stuff bachelors would show up with, right? It's because you're drinking too much whiskey. And she's right. I mean, I did a lot of mcdonald's hamburgers and i didn't know how bad it was uh until uh she introduced me to the right way to to eat but through the years uh in fact here

in in the desert where we're in right now she has a garden. So she's been real big on eating correctly. And that's been one of the reasons I believe that I've had a very, very healthy life. I haven't been to the doctor, I don't know when. I don't take drugs drugs i take a few supplements here and there but that's about it and uh i really i really have to say that i believe that one one of the one of the big factors is is putting the right ingredients god created our body body a certain way to use foods the way they've been created. And the closer we can stay to that, the better we are off, I believe. So but then I also know that that there are supplements that have been very beneficial to people that I've taken off and on over the years. And so I was kind of wondering

about your own business, how you got started, what caused you to get in this industry? You seem very passionate about it, which I really appreciate. And I was just kind of curious about that. How long have you been doing this and what was back on there? Well, the lifestyle, I've been doing it for about 11 years, about seven years with the, you know, technically the business, helping other people as a health coach and then starting the supplement line. It was basically a passion project. So I, you know, 11 years ago at age 37 i was 42 pounds overweight my elbows and knees were bleeding from eczema uh it was terrible um i had another skin issue on my back it was gross um i gained like i said 42 i was bloated i was inflamed um i was caught you know just acid reflux 24 7 eating tums and rolades um started bleeding rectally. That went on for about two and a half

years. And then on a vacation, I had to have a surgery to get an organ removed. And that's when I learned my poor health didn't affect just me. It affects everybody else around me. But I still didn't know what to do. I mean, I tried the high protein, low protein, high fat, low fat, high carb. I mean, I was trying every five meals a day that everything kind of worked a little bit, but I kept gaining more weight, two, three, four pounds a year. And my health was slipping. Right. And then people started dying around me. My age, my friends, my first one was a buddy on my baseball team at age 40, went through cancer, chemo surgery and all that crap. And he died, left three little boys behind. Then my buddy Charles gets chronic lymphocytic leukemia, which was supposedly this incurable, you know, um, cancer diagnosis. So he asked me to go with him to a

detox and nutrition clinic in Florida, which I thought was totally woo woo. But when your friend's dying, it was just like, whatever you need, man, I'll support you. So I went there to the Hippocrates health Institute in West Palm Beach, Florida. And that's where I got not only just the transformation to a different way of living different foods, but also taught me how to detox, clean up my body, become my own doctor, become my own body. And, and just, you know, look at the body like a system, right? It's a system. it's a very complicated system we actually have an intelligence but i was operating as a dumb system it was just whatever the tv told me to do i was you know i was doing it right nowhere in nature does why would you why would we need to be told how to eat or what foods to eat why would they advertise a chicken sandwich right well they're

doing it to make money they're not doing it for your health if you see anything on tv don't probably don't buy it and don't eat it it's probably not good because the people that have it have too much money and they're taking advice you know just 99 of the time it's probably now there's probably some local stuff where there's a local business owner that's running some ads you know um like i know a guy here he's got a company called uh give a shout to j Toma Permatrete. They go around and they run ads on TV and they'll come and seal your countertops and stuff. So when you spill wine on them or green juice, hopefully, that you won't stain your countertop. Okay.

Besides that, most of the ads and stuff on television are garbage for you, right? Most of the ads and stuff on television are garbage for you. Right. So through that process of the education, because they have 40 hours of education lectures per week on the human body, on life itself and the FDA and organic processes and all these things and how to grow sprouts and fresh food and gardening. You know, I learned a lot of this. I gravitated because I grew up on a farm gary so um we we grew we had a massive freaking garden growing up right i was out all the time i was chewing on elderberries and eating huckleberries and picking mushrooms and you know not the psychedelic types but like morels and boletus and things we could eat calf brains and snow

mushrooms there's all kinds of stuff and now, what do you call it? Chanterelles. Those are a lot of fun. But so I go there and that's, you know, I learned about detoxing and I transformed my health. It's been 11 years later. I lost all the weight, completely healed myself. No medications, no nothing. I haven't seen a doctor since.

Don't really want to. And my friend healed himself of chronic lymphocytic leukemia right in front of my face with no chemo, no radiation, no surgery. So I've been on a mission ever since. That's why I walked away from the financial services industry because I'd see so many people come in with money and that, but their health was a mess. I had one couple that the lady had acid reflux so much worse than mine that three times during appointments, I sent them home. She was so miserable. She said that sometimes at night she couldn't even sleep because she had to set up because if she laid down, it would be terrible. And you see that stuff

like, wow, your schedule of real estate, it's all paid off and you have all this income and you have a beach house and you have that, but you can't even sleep because your throat's burning up with your acid from your stomach. Life's not fun. It doesn't matter how much money you have. And then you go to into a broken system with, they're just going to put more acid based synthetic chemicals in your body and think that's going to be the fix. So I don't know anywhere where somebody has a, a pharmaceutical deficiency. You know, if we, if we break these things down,

like when the sailors had scurvy and people ran from them, they were scared because, oh, the sailors are diseased. We found out that it wasn't. They had a vitamin C deficiency. And as soon as they got vitamin C in their body, scurvy, the disease went away. So most of these things, like you were saying, it's food-based. Food can either be the most powerful medicine you put in your body that will boost your immune system and boost your quality of life, or it can be poison that will tear down your immune system and tear down your quality of life and then make you a burden on yourself and the rest of your family and society. And that's where we're at today. And on top of that, it's the chemical pollution. We have massive pollution issues. Those listening,

I know there's a lot of people want to talk about climate change. If you're a climate change person, you believe in that, that's fine. Your belief system, I believe, is off. But I do commend you for wanting to improve the quality of the planet. That's great. But if you really want to help the planet, all the focus that we need to be focusing on is pollution. That's our real problem. When you have 74% of rainwater has glyphosate in it the main ingredient in roundup which is shown just it literally tears holes in our intestinal lining this is where leaky gut syndrome comes from

or you know you have these toxic chemicals and 70 over 70 of the water's acid rain and you go to these pristine lakes and both the two and two and a half inch fish have both male and female organs they're turning into hermaphrodites and amphibians too, because of the estrogen mimickers from plastics are so invasive in our water system today. So we have a lot of pollution issues and we have to deal with that. So that's kind of how I got into it. And I got so passionate about it because I got pissed and I got pissed because I thought that there was a,

there was agencies that my hard earned tax dollars were going like the FDA and CDC in place like this, to protect me. And I think there's a lot of really good people working in those organizations. I think there's a lot of corruption at the top. And that's where we're at today. So we have to – it goes back to the word responsibility, being able to respond and to be able to take responsibility for yourself. We have to do it on the micro level if we want the whole

collective to be well, right? So if we want a healthy society, we want good public health, it really falls back to us. We have to take care of our own health. And if I have good health and Carter's got good health and you've got good health, public health is going to be much better too. We're going to be able to think clearer. We're going to be able to fight for freedom, fight for truth. And you can't do that when you have poor health, you know, and you become, you literally become a burden on society. And I'm going to, today, I'm going to shoot a podcast solo for my show. And I'm going to talk about the devastation of Alzheimer's and dementia that affected like my grandfather. And I'm steeped up in it right now with some people

that I'm helping. And it was just a reminder about people don't realize baby boomers out there. When I first started this work 11 years ago, 25% of the population of baby boomers was experiencing Alzheimer's and dementia and memory loss at some level. And then two years later, it was up to 28%. And it's growing. I don't even know what it is. I'm going to look up the statistics today and find out. I'll be scared. It's probably a third of you.

And there's certain basic things that people just don't understand, like aluminum cookware. They're not drinking enough water. They're consuming too much sugar. They're not using their brain anymore. And they're just maybe just not happy. They're just watching TV 24-7. And they're really not, you know, they've stopped growing. And it's almost like the mind is like your arm.

If you break your arm, you put it in a sling, it's going to atrophy and you won't be able to use it. And your's almost like the mind is like your arm. If you break your arm, you put it in a sling, it's going to atrophy and you won't be able to use it. And your brain gets that. It's like, oh, I've reached this wonderful place in retirement and that's it. And you lose your purpose and your fire in life. And then things just start deteriorating. Retirement is not a place. This is where you need to get out and educate youth. Youth needs you get out and participate and volunteer and give back um you have you have all that you've made it this far right you've made it to this beautiful place in retirement enjoy yourself yeah take a year or two off i guess whatever but you're going to get bored fast and for those of you that have already done that process you know what i'm talking about you're

just looking for something to do to keep yourself busy to find that purpose in life so anyway that's a big long answer but that's how I got into it. I'm very passionate about it. We're health coaches and through reading labels for food and drinks and supplements, I got pissed and out of frustration, I just built my own supplements to detox and nutrition myself. And then we share that with our private coaching community and we ship worldwide. and we ship worldwide do you feel do you feel that um alzheimer's dementia those kind of those type of conditions can have can be reversed to a certain level a certain degree with the proper

nutrition the proper supplements um uh what are your thoughts about that well i do know that it hit the hypocrisy health institute they teach a lot of the stuff that pretty much that we teach. I mean, there's just basic things. All we're doing is we're teaching people to get the manmade toxins out of the body. We clean up the digestive tract. We clean up the organ systems. We clean the blood intercellularly. We clean up the fat and the muscle tissue in the brain.

Clean, clean, clean, clean, clean. You got to clean up the crap all right if the tractor is or the car isn't running right and it's all gummed up and the cylinder heads and the spark plugs are old and crusty you got to take it into the shop and that's where you're at most people with their bodies and they just don't know it because they can't see on the inside but if you don't feel good if you're overweight if you have less energy you're on medications you're you have gas and bloating all the time you have skin issues issues like I had, you're bleeding rectally like I was, or your elbows are bleeding, and you have eyesight problems, or whatever it is, your hair's falling out, right? These are checked body lights.

These are signs that you need to clean up the body. You need to become a body mechanic, right? Become your own doctor and clean it up. So that's step one. We got to get the crap out. Number two, we have to start putting nature back in and flood the body with nature and flood the body nature. And if you do these two things and you start working on your stress levels, which most people don't have a toolkit to do, which breath work is one of the most powerful things I could ever share with you to reduce stress and to help you digest your food better.

But if you do those three things, yeah. What they've seen at the Hippocrates Health Institute, they'll take somebody, I'll give you an example, whether it's Alzheimer's or dementia or multiple sclerosis or Lou Gehrig's disease types of stuff like this, where, you know, medical communities like not much you can do, put on these medications, do these things. A third of, if they're early to moderate stage a lot of these people can reverse it but at least stop the progression now if it's kind of you know late stage you know they're in a wheelchair and they're drooling you know you might be able to stop the progression but at that point

what are what are we doing that for? You know what I mean? Because that person, unfortunately, you know, I'm just putting myself in that person's shoes. If I'm walking, I can't really do much. And somebody else has got to wipe my butt and I'm drooling all over the place. And my wife has got to pick up my 200-pound body because, you know what I mean? It's like, just let me go. Okay, it's time for me to go back to God. It's time for me to go back to the vortex. Thank you for the experience and the joy ride that I just had.

In this time-space reality, I'm off to the next adventure. I don't want to be a burden on my family or myself. So in that situation, they eventually had to start turning people away that were late stage in some of those cases. Now, if you have cancer and stuff like that, we've seen people turn that around like my friend Charles has. Even stage four glioblastomas where they've got massive brain tumors. In some cases, you know, even the people at the institute, the doctors and nurses there didn't think the person was going to live. They're just like, well, I don't think this one's going to make it. And they do.

You know, but then there's other people that don't have it as worse and they don't make it. So a lot of it, I think, is attitude and, you know, and and really the terrain or the environment that they subject themselves to after they leave the institute and go back home. You know, do they have support or are they going to be able to plug into fresh foods? And it's more difficult when you live in Kansas in the middle of the winter and you don't know how to grow sprouts and give yourself living food. So but hopefully that answered your question. But, um, hopefully that answered your question. Yeah. You're talking about, uh, cleaning the body with, uh, you know, detoxing, all these things are really important. I can tell you a real quick story.

Um, many years ago, there was a lady, uh, uh, she's a surgeon in San Francisco. I forget her name, but this was about 25 years ago. She was diagnosed with breast cancer. In fact, that was the main thing she did. She performed a breast removal for, for victims and she acquired the disease herself. Well, long story short, she did not have surgery she refused to do that this is a surgeon so what she did is she went on a complete juice diet i mean nothing but greens. And she was cured.

So, you know, those are true stories. I mean, someone who had cancer, she was, you know, I was very serious. She got completely well through a heavy nutrition application. I wouldn't doubt she took supplements as well. But anyway, I know that story to be true because I've heard it. In fact, she wrote a book on it as well. But that's quite a story.

You think about it. You know, and a lot of people, like when I first, I couldn't even believe that. I mean, how could this little podunk place help people with cancer? I mean, come on. We've got billions being spent

in Race for the Cure and the Genome Project was going on at the time or whatever and and here we are how how could you hear these stories about people oh it's spontaneous remission or whatever they they play it off but the reality is is cancer thrives in an acidic stressed out environment, high acid, you know, low alkaline, high acid, low oxygen environment. And that's exactly what the standard American diet creates as far as a terrain and our, and our, and our lazy lifestyles. I mean, let's be honest, we've gotten lazy as a society. We have been entertained and we are not healthy i mean the the fitness industry has completely failed us 95 of people can't even run one lap around the track without falling over

probably with a heart attack i mean that's where we're at today human beings we are de-evolving as a species so we really need to be woke up this is a wake-up. Like the whole COVID thing, you know, it's, it's fear, fear, fear, fear, fear, or seven, the flu virus has disappeared. Pneumonia has disappeared off the death rolls. Doctors are told that they need to change how they're filling out death certificates out of 30 years. Some 300 pound dude that's had stents and his artery scraped out and bypass and a triple bypass. And then he goes into the hospital with pneumonia and then he dies of covid and he's put

down as a he died of covid no it's not right he died because he had a shitty lifestyle he died because the american food system has failed him and he had failed himself so it's kind of a you know you got to take partial credit for it because you have a decision but the problem problem, man, is it's really frustrating because I've got some really good friends. I have a friend of mine who is a good person. He is a decent human being. He will do anything for you. Yet he is. He'll flat out tell you, he goes, I can't stop drinking that Pepsi.

It is the new crack of pain and he cannot stop drinking it. He's overweight and probably it doesn't feel as good as how he wants. And we should be able to wake up and feel freaking good every morning. We have a God given right for that. And if you're not waking up and feel good, it's okay. Turn your system into an intelligent system. Stop being an open or dumb system anymore and just going through the punches and being emotional about it. And, but you have to understand too, that a lot of people have emotions attached to food, too. And food is the dope they're using to push those emotions down. So it's not wanting to change, but it's these subconscious emotions from childhood,

whether they were molested or dad beat the crap out of them or they felt inferior. And as the emotions come up, they don't even know what's going on. They use the food and they slam them back down. So there's a lot going on here. So I number one is forgive ourselves but we need to wake up we really need to wake up and start really taking care of our health because if you don't have your health you have nothing you can't fight for truth you can't fight for freedom you can't take care of your family there's a fire in your house you're gonna be able to pack out your kids and your wife right now or are you gonna fall over and trip you know because you're out of shape you can barely save yourself right we have to really think about these

things and and and look in the mirror and be honest and understand and then be loving towards ourselves and then start making some freaking changes change the inputs right start with water windows at night get some fresh air while you're sleeping things like this will make a big difference in your life yeah well no doubt about it and look here's a here's the thing guys i know that um we're coming around the end you know the our enrichers are listening and they're getting a lot of this great stuff and everything um you know i i think we need to kind of sort of wind it down only because tim i know we're over we're way over we're way over, but that's, but that's okay. Because, you know, again, you know, Gary and I, we go back, you know, sneaking up on five years now, Gary, it's hard to believe,

but I knew that he understood what we were trying to accomplish with the health and wealth podcast show. I asked him as a favor to come on. Cause I'm like, you know, we really need to get your story on here because from the very beginning, everything that we've built in and crafted was around his genius and his experience and his program received turn, which we, we talked about before, but it's, it's the combination of the health and the wealth and, and all of this stuff. I know that we can make this a three hour show today.

There's no mobile start going long format yeah well you know what's funny is that it is long format compared to most other podcasts but um you know gary i really do appreciate you being uh available making yourself available to come on here and everything and to share your your backstory to share how we've done things together over the last few years and everything. And I appreciate you probably as much as you appreciate me. And, you know, thank you for coming on the show today. Well, thank you for inviting me.

I enjoyed it. And it was great. Hopefully it will help some people both ways. Tim's story and our story. Well, I hope it gets people to really get serious about getting their trust in place. Do it right. Hook up with Carter and get it done.

And then for the financial advisors to add this piece to their business so they can help more people get it done because you're really not doing a really good job as a financial advisor if you're leaving that piece wide open for the client, in my opinion. It's for the client, my opinion is so true. Tim is so true.

Yep. And my last word. Thank you. Thank you. Thank you. Thank you. From the bottom of our heart over here at the health and wealth podcast. Thank you.

Veterans. We love you. We love you. We love you. Thank you for your service. You included Gary. And that's all I got today. Carter.

Awesome. Yeah. So, uh, enrichers, thank you so much for joining us for another episode of the Health and Wealth Podcast Show. You can be able to get all of our previous podcasts with all of our other guests, as well as our backstory. If you want to go there to www.thehealthandwealthpod podcast show.com. For my amazing co-host, Mr. Chemical Free Body himself, Tim James. And for my esteemed friend and guest today, Gary Lofsgaard of Integrated Trust Systems. I am Carter Wilcoxon, CEO and founder of Epic Services Company, as well as CSI Financial Group. Thank you for joining us.

Make sure to like, share and subscribe all of our podcasts whenever you get a chance and come back for another episode of the Health and Wealth Podcast Show. Everybody have a fantastic Friday, our Veterans Day show. And thank you again to all of our veterans. A salute to all of them out here who have also, not only the ones

that have given the ultimate sacrifice, but those who continue to go out there and defending our rights to live an abundant lifestyle. So thank you all again for joining us. And thank you to my guest again, Gary Lofsgaard and my co-host, Mr. Tim James. Everybody have a great weekend and we'll see you next time. 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.