
TRUTH CONCEPTS
The Whole Truth About Money
Banking Profits
The Hidden Method that Earns Gains of 200% or More!
How banks earn money using leverage, and how anyone can use this same powerful strategy to their advantage.
The Million Dollar Degree
The Shocking True Cost of an Education
Once we understand opportunity costs, we realize the actual cost of an education goes far beyond tuition, housing and books! How to tell the truth about the cost of college.

What Dave Ramsey Gets Wrong
About Mutual Funds, Life Insurance, and Math
In this rebuttal of one of Dave Ramsey’s blog posts, Todd Langford uses the Accumulation calculator, small Financial Calculators, and the Market History and Life Values tools to reveal just how disturbingly wrong Ramsey’s assertions are. Then he shows how a whole life policy would have outperformed Ramsey’s recommended strategy, had his math been correct.

Business Owners Be Warned
How Your Company’s 401(k) Plan Could Be Bleeding Your Business Dry
Sometimes business owners are told half-truths by accountants and don’t fully understand the costs and the real returns they might expect to experience when they implement a company 401(k). Set the record straight so that business owners can make informed decisions.
Maximize Your Real Estate Returns
How to Analyze and Improve Your Real Estate Investments
Analyzes an excellent real estate investment deal and shows how the returns can be significantly increased by borrowing against whole life insurance for the down payment.
Financing & Purchase Pitfalls
Don’t Trust Your Best Interests to the Finance Department!
Why “0% financing” rarely is zero, how to make sure you get the best deal on a car or other major purchase, and why using your own cash has a cost!
Tax Rate Smoke and Mirrors
How Higher Taxes Sabotage Revenue
How taxes do a “vanishing act” with our wealth… and why high taxes are also inefficient for the government!

The Truth About Whole Life Insurance Returns
(and Why the Critics are Wrong)
Demonstrates whole life insurance internal rates of return and how to adjust for taxation and fees when comparing to other assets. What kind of asset cash value is and why comparing it to high-risk financial vehicles is misleading.
The “Buy Term and Invest the Difference” Myth
Improve Returns and Increase Safety by Diversifying with Life Insurance
Using examples of a 35-year old invested in the stock market and a 55-year old invested in stocks and bonds (both with term life insurance), Todd Langford uses the Diversification calculator to demonstrate how the returns and the net to heirs can be improved by diversifying with whole life insurance.
Mortgage Half-Truths
Why Common Mortgage Advice Will Mislead You
Re-examine common advice about 15-year vs. 30-year mortgages. How do we take into account time frames, opportunity costs and taxes? Which is really the most efficient?

Your Maximum Potential
The Secret to Wealth-Building Without Risk
The necessity of reducing costs and saving more, rather than taking on greater risk to compensate for not saving enough.
The Whole Truth About Your 401(k) Plan
Taxes, Fees, and Depressing Returns
Explains some common misconceptions about 401(k) and other retirement plans and illustrates the impact of employer matches, tax deferrals, taxes, and fees.
Never Pay Cash!?
Reserve a Fortune While Financing Your Own Cars and Major Purchases
Explains the differences in saving using a Shoebox, a Bank, and a Life Insurance Policy. Significantly increase your assets by paying yourself the financing fees while earning interest on the money you are leveraging.
Locations & Hours
Locations
140 1st Avenue NW Suite 1
PO Box 750
Clara City, MN 56222
1406 E Highway 7
Montevideo, MN 56265
Clara City: (320)847-2307
Montevideo: (320)269-6484
Fax: (320)301-9699
Hours
Monday - Friday: 8:00am - 5:00pm