Retirement planning is never a simple task, especially for entrepreneurs. While most people think that all it entails is saving a percentage of their earnings until they reach retirement age, they are quite mistaken. Furthermore, the traditional financial planning advice given by tax and finance professionals often does not fit the situation of business owners. Frequently, business owners are advised to invest in other businesses by buying stocks. Many financial advisors lock their clients’ money up in government-sponsored plans, which limits the entrepreneur’s access to capital during their working years.
Government-sponsored retirement plans, such as SEP IRAs or 401(k)s, are the most popular retirement planning vehicles for individuals. However, it’s important to note that these plans each have different investment menus, tax implications, contribution limits, and distribution requirements. Certain rules also apply to highly compensated employees, such as business owners.
According to Matt Love, founder of Cash Flow Architects, this status quo is in place because it is favorable to the advisor. “In theory, it is a good practice for the financial industry, as the advisor is allowed to charge fees on the often ‘pre-taxed’ assets, which can be lucrative,” Love explains.
Matt Love, founder of Cash Flow Architects
Love has made it his mission to empower individuals to take control of their financial futures by investing in themselves, their business, and their families through his unconventional perspective on wealth-building and financial independence.
According to Love, the traditional financial planning model has some fundamental flaws. He argues that the financial industry’s focus on prioritizing profit over people encourages individuals to take unnecessary risks without fully understanding the consequences or having exit strategies in place.
“Your money should support you, and investing in government-sponsored retirement plans does not always save you on taxes during your or your family’s lives,” he says. “Instead, I believe in controlling your assets with guaranteed growth and liquidity before retirement, which also carry tax-free benefits.”
Cash Flow Architects’ unique program teaches clients how to pay income taxes once and never again, while investing their hard-earned money back into the place it came from – their own business. The program also includes investing in other businesses via the stock market, when appropriate.
Love’s critique of the financial system seeks to solve a pervasive problem: financial institutions being disconnected from the needs of everyday people. While media outlets often criticize corporations for minimizing their tax obligations, Matt argues that these practices are legal and widespread, and there is an ethical way to do it.
“One of the key principles of Cash Flow Architects is understanding cash flow and how to design it in a way you can control,” Love says. “For small business owners, S-Corps, and LLCs with fewer than 10 employees, this approach is particularly relevant. I want to educate entrepreneurs who understand that the system is not designed to help them and help them think outside the box.”
A core concept of Love’s philosophy is applying the methods of the traditional banking industry for the client’s benefit. By leveraging assets and generating income independently of government-controlled assets, individuals can achieve financial freedom without the constraints of market fluctuations or governmental regulations.
According to Love, while investment advisors are required to act in their client’s best interest, traditional investments are subject to market fluctuations. Unlike stocks, which are also dependent on market volatility and taxation, a properly structured life insurance can offer a stable, tax-free growth opportunity.
“You need to understand which life insurance is best for you, as there’s no risk in terms of market fluctuations. Policyholders are guaranteed cash value and can rest assured knowing that their money is protected, without red tape restricting access to your money,” he says.
Life insurers employ expert actuaries to assess risk and ensure policyholder protection, making them very reliable places to invest. Additionally, having an insurance policy helps individuals with tax-exempt growth and access.
Through Cash Flow Architects, Love has created a community of businesspeople, CPAs, attorneys, and real estate investors who share various financial tips and tricks to help achieve mutual growth.
“Matt Love helped me realize the value of opportunity cost and helped me design a plan that will allow me to capitalize on it when an opportunity arises. He also helped me protect my downside risk,” one satisfied client shared.
Love also shares his knowledge through his Financial Blueprint program, a podcast, and 2 books: Don’t Be Debt-Free and Broke, and the recently published The Entrepreneur’s Asset.
“As the founder of Cash Flow Architects, my mission is simple: to help individuals break free from the constraints of traditional financial planning and take control of their financial destinies,” he concludes. “It’s time to stop relying on external institutions and start investing in ourselves. That’s the path to true wealth and independence.”
