Episode
E98 - How to Buy Whole Life Insurance with Pre-Tax Dollars (Legally)
- Published
- May 8, 2026
- Duration seconds
- 8144
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Summary
Connect with Rohit Punyani: https://ownersasset.com/resource-library Book a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/options Email us at [email protected] or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE _____________________________In this episode, Hans is joined by Rohit Punyani, co-founder of The Owner's Asset and a former Wall Street CIO who oversaw $4 billion at a multi-family office and community bank. After 20+ years in financial services starting as a large-cap stock picker, moving into wealth management at Wilmington Trust, and ultimately running money for hundred-millionaires and billionaires—Rohit fell in love with whole life insurance. Now he's built a firm dedicated to helping small business owners buy whole life with pre-tax dollars through cash balance plans. Chapters: 00:00 – Opening segment 01:50 – Rohit's background: from $2B mutual fund to multi-family office CIO 04:30 – How the wealthiest clients actually think (structure over IRR) 06:00 – Why affluent families pushed Rohit toward whole life 08:35 – The five pillars of wealth (and why investments rank third) 09:05 – Overcoming bias: how a Wall Street guy learned to love whole life 13:30 – Banking function: sourcing capital and the limits of margin loans 17:50 – Asset vs. liability: how to think about policy loan repayment 22:35 – Introducing cash balance plans: the 96% cousin of the 401(k) 25:25 – The four major differences bet…