* What if you could retire with tax-free income, leave millions to your heirs, and not give Uncle Sam a dime? In this episode of The Future of Finance, Marissa Wood sits down with financial industry veteran Marty Willenborg, who shares powerful strategies using life insurance, premium financing, and the Kaizen concept to create wealth, preserve it, and pass it on—without the IRS taking a cut. * If you're skeptical about whether life insurance can be more than just a death benefit, this episode will change your mind. ⏱ Timestamps: 0:00 – Intro: Meet Marty Willenborg & His 44-Year Financial Journey 1:00 – How a Cancer Diagnosis Changed Marty's Life—and Career 4:00 – The Harsh Truth About Life Insurance When You Need It 6:15 – Why Annual Policy Reviews Are Non-Negotiable 9:35 – Living Benefits: How Life Insurance Is More Than a Death Benefit 10:05 – Term vs. Permanent Insurance: The Real Cost of "Cheap" 11:30 – What Is Indexed Universal Life (IUL)? Explained Simply 13:20 – The Kaizen Strategy: Tax-Free Income Using Bank Leverage 15:10 – How the Kaizen Plan Works (Step-by-Step) 17:40 – Real Example: $125K In, $7M Out (Tax-Free) 21:55 – "Is This Too Good to Be True?"—Addressing the Top Objection 24:00 – 401(k)s vs. IULs: Tax Implications You Need to Know 25:00 – Can't Do Kaizen? LIRPs & Legacy Planning Options for All Budgets 26:30 – How to Set Your Kids or Grandkids Up with Millions (G-Suite Strategy) 28:30 – Final Thoughts: Stop Giving Your Legacy to the IRS 🔗 Ready to take the first step? Visit https://union-financial.com/https://www.union-financial.com/  to schedule a free consultation. 💬 If this episode moved you or gave you a new perspective, please like, comment, and share it with someone who needs to hear this.