Gary's Gulch

This is the audio recording of a webinar I produced with Jaden Zubal recently for our combined audiences. We discuss how we help business owners, Real Estate Investors and those looking to leave a financial and cultural legacy for their future generations or a cause they are passionate about sustaining long after they are gone.

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I welcome back to Gary's Gulch close friend and expert mortgage lender Aaron Chapman to discuss recent changes in interest rates, inflation and the threat of new quantitative easing. What does it all mean and how do you protect your retirement, your family and your legacy? And as a bonus, we give a preview to an incredible personal growth experience we're launching in the Ozark mountains in 2026.

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Most of my clients are confused, frustrated and frankly misled on this involved topic. Attorneys have the tendency to want to show the breadth of their knowledge and that is a big disservice to individuals trying to navigate all the options and features available in this broad topic of Trusts. This is a really important topic that many families put off unnecessarily and take big financial risk in doing so - listen in and let's take this worry off the table with concrete steps you can easily take.

Highlights

• 1% of financial advisors struggle with trust knowledge.

• Types of trusts.

• Three key aspects of trusts.

• Revocable vs irrevocable trusts.

• Purpose of revocable living trusts.

• Avoiding probate with a trust.

• Control from the grave.

• When a trust becomes irrevocable.

• Importance of asset protection.

• Tax implications of irrevocable trusts.

• The role of domestic asset protection trusts.

• Income tax implications for trusts.

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The Fed finally lowered interest rates and the mortgage companies are relentlessly pushing for refinances. What is the best choice? In almost all cases, it is the 30 year fixed. Why? Many reasons - listen in and find out!

Highlights

• Fed lowers interest rates: Mortgage opportunities.

• Velocity banking: An Australian trick.

• Bet on yourself: God-driven decisions.

• 15-year vs 30-year mortgages: Initial setup.

• Payment calculations: Mortgage comparison.

• 15-year mortgage interest: Quick payoff impact.

• Cash vs mortgage: Wealth building scenarios.

• Million-dollar example: Time as a financial factor.

• Tax misconceptions: Understanding tax brackets.

• Inflation impact on mortgages: Long-term effects.

• Financial strategies: Tax and deduction insights.

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September 2025 has been a whirlwind of change and unprecedented events. The Fed finally lowered rates, the economy is booming, there is a revival of goodness in our country and the world. It is time to celebrate the wins!

Highlights

• Clarification: Prophets vs. Profits.

• Charlie Kirk's legacy and impact.

• Handling triggers and emotional responses.

• Responding vs. reacting - Zig Ziglar's insight.

• Focusing on gratitude to avoid being triggered.

• Good vs. Evil: A testament to God's existence.

• Erica Kirk's forgiveness at Charlie Kirk's memorial.

• Current events: Federal Reserve rate changes.

• Personal journey: From negative net worth to financial success.

• Lessons from financial journey and business ownership.

• Gratitude as a counter to negativity and triggers.

• Optimism for revival of goodness in the world.

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