Financial Speaking

Your Financial Wellness Company

Ron Harris speaks and writes books about how middle class Americans can turn debt and liabilities into lifetime retirement income and wealth. Ron Harris’ approach to Hybrid Arbitrage and management showcases a significant transformation in his professional focus and personal beliefs about wealth and insurance strategies. His journey reflects a broader trend in financial thinking—shifting from traditional methods of managing money and investments to innovative financial solutions that challenge conventional wisdom.
Key Concepts from Ron Harris’ Current Financial Speaking:

1. Indexed Universal Life Insurance:

  • Initially opposed to it, Ron now promotes indexed universal life insurance. This product differs from standard term insurance by offering a component of cash value growth tied to a market index, potentially increasing the value of the insurance over time while also providing a death benefit.

2. Early Mortgage Payoff:

  • Contrary to the common financial advice that suggests leveraging low-interest mortgage loans for longer periods, Ron advocates forstrategies that enable home owners to pay off their mortgages early. This can save significant amounts in interest payments and quickly build equity.

4. Utilizing Permanent Life Insurance for Banking:

  • Using a special kind of no surrender charge, no cap, index universal life
    insurance, POLI (Private Owned Life Insurance), the kind that banks use. This type of BOLI can be used by any American adult, family and business owner. Hybrid Arbitrage turns Infinite Banking, BYOB, Velocity Banking or any other type of banking solution previously used, on its head.

3. Debt Transformation:

  • Harris suggests techniques to not only eliminate debt but to transform it into a tool for generating income and wealth. This includes strategies like using certain types of loans and leveraging cash flow management techniques.

5. Technological and Legislative Advancements:

  • Emphasizing the importance of keeping abreast with changes such as those introduced in the IRS codes by the 2020 Cares Act, Ron highlights how these changes can be leveraged for financial benefits. He also points out the role of technology in modern banking and financial management.

Your Financial Wellness Company

Ron Harris’ approach to Hybrid Arbitrage and management showcases a significant transformation in his professional focus and personal beliefs about wealth and insurance strategies. His journey reflects a broader trend in financial thinking—shifting from traditional methods of managing money and investments to innovative financial solutions that challenge conventional wisdom. Read more

Implications for Financial Planning

Ron Harris’ speaking strategies provide an alternative to traditional financial planning, especially appealing to middle-class Americans seeking ways to manage their finances more effectively. By using innovative financial products and strategies, individuals can potentially achieve greater financial freedom and security.
Prior Speaking Engagements:
  • County of Los Angeles, Hollywood Bowl Project, March, 2004
  • Backstage American Music Awards, Los Angeles, June 2004
  • Philippine National Army, Manilla, June, 2018
  • Nepal National Army, Kathmandu, September 2018
  • Financial Wellness Initiative, Huntington Beach, CA January, 2021
  • National Minority Conference, Washington, DC October, 2021
  • You Should Get A License, Online April 2022
  • Small Business Expo, Los Angeles, September, 2022
  • E3 Summit Conference, Atlanta, GA October, 2022
  • Impact 1000 Empowerment, Atlanta, GA January, 2023
  • Small Business Expo, Los Angeles, September, 2023
  • Juneteenth Celebration, Los Angeles, Leimert Park, June 18th
  • Debt Free Conference, Los Angeles, June 2023
  • Small Business Expo, Dallas, October, 2023
  • Unlocking Financial Freedom with Cutting-Edge Tech, November, 2023
  • Small Business Expo, Atlanta, December 2023

Implications for Financial Planning

Ron Harris’ speaking strategies provide an alternative to traditional financial planning, especially appealing to middle-class Americans seeking ways to manage their finances more effectively. By using innovative financial products and strategies, individuals can potentially achieve greater financial freedom and security. Read More
Financial Literacy 2

Critique and Considerations

While Ron’s speaking methods offer exciting possibilities, they also require a thorough understanding and careful management. Indexed universal life insurance and using life insurance as a banking alternative.

Ron’s shift from traditional views to these innovative strategies highlights a dynamic aspect of financial planning and education, advocating for empowerment through knowledge and the use of advanced financial tools. This approach encourages individuals to re-evaluate their financial strategies in light of new methods that could offer significant benefits.

Mortgage Arbitrage

Background and Experience

Ron Harris was born in Los Angeles where he has lived for most of his life, except for the 6 years when he lived in the UK, where he attended the University of Essex. One year after graduating with a master’s degree in global marketing and communications, Ron founded a marketing company “Global Branding Group“, a startup that grew to over 4 million dollars annually in less than 5 years. Ron is a serial entrepreneur who has successfully financed and grown businesses through prosperous markets and through multiple economic crises, like the one we are in now.

Ron has worked with companies such as Union Bank of CA, Prudential, KCBS, KCAL, KTLA, FatBurger, the Dial Corporation, Sunkist, MSE, ILG, and DocuWise. For the last 7 years, Ron has been helping people on Main Street manage their finances like people who work on Wall St. Ron has traveled across the US and to over 40 countries to study causes of wealth disparity so that he could apply this knowledge at home in the United States. Ron is dedicated to helping working-class people optimize their personal financial positions, improve their lives, retire with dignity, and build generational wealth.

Ron Harris was born in Los Angeles where he has lived for most of his life, except for the 6 years when he lived in the UK, where he attended the University of Essex. One year after graduating with a master’s degree in global marketing and communications, Ron founded a marketing company “Global Branding Group“, a startup that grew to over 4 million dollars annually in less than 5 years. Ron is a serial entrepreneur who has successfully financed and grown businesses through prosperous markets and through multiple economic crises, like the one we are in now. Read More

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