More About Me (David Lewis)
More about me and my personal life… if you’re interested in that sort of thing.
david lewis — owner
If you want to know more about the business side of things, keep reading. You can also:
The Big Picture
Monegenix® is a privately-owned digital financial services company specializing in insurance-based financial planning. This type of planning involves a unique reserve-based budgeting and money management system, a combination of low-cost term insurance and high cash value, custom, whole life insurance, as well as custom annuity policy and plan design, and a unique long-term approach to financial planning using a combination of custom insurance contracts and money management strategies we call The Monegenix Method™.
We also provide in-house life insurance policy audit services, and lifetime policy and plan support for all clients. Our broker general agent partners have over 75 years of experience in the insurance and financial services sector.
David C. Lewis, RFC, is the founder and owner of Monegenix®, as well as its lead insurance advisor and financial consultant. He has been a member of the International Association of Registered Financial Consultants since 2005, a standing member of the National Ethics Association, and a former guest instructor for Joint Education and Training, Inc.
In addition to providing financial advice to clients, David has been brought in through the “back door” of some of the country’s largest financial firms to help develop educational, marketing, and client-approved content for large financial firms like Allstate, New York Life, State Farm, AmTrust, and J.G. Wentworth, as well as startup financing companies like EquityHQ.
His articles have been featured in online publications like The Huffington Post, NuWire Investor, and RealClearMarkets.
His cost-discovery calculators “reverse-engineer” life insurance policies so internal costs can be carefully examined. This, coupled with some simple cost-benefit analysis, can help clients better understand the value of what they are buying, enabling them to make smarter, more informed, financial decisions.
David is also the designer of xFlow™ and the xCalc™ suite of financial calculators, software applications which drive a unique insurance-based approach to budgeting, money management, life insurance and income planning, and general financial analysis, and is a central part of his insurance-based financial planning philosophy.
Why Choose Me Over A Financial Planner Or Some Other Financial Professional?
The short answer is… maybe you shouldn’t.
But before I tell you why maybe you shouldn’t listen to me, let me tell you a little bit about what I do (and do not do).
Here’s the big picture of what I do:
I’ll help you simplify a lot of things in your financial life so you can finally start to “get ahead”. I’ll show you how to plan for your future without making personal sacrifices today. I’ll show you how to create certainty out of financial uncertainty. Finally, I’ll help you protect and grow the income and savings you cannot afford to lose, but…
… only if it makes sense for you to work with me and my team of financial professionals.
Before We Go Any Further…
Before we go any further, let’s put all the cards on the table and dig into the nitty-gritty details of what working with me looks like.
First of all, I don’t work with just anybody, and that’s not because I’m snooty. You see, I may not actually be the right financial advisor for you — you may not like (or benefit from) what I have to offer. And, if that’s the case, I don’t want your money.
My team and I are not in the business of investing and speculation. We’re not a “roboadvisor” and we don’t use complex algorithms or proprietary trading schemes to manage your money. We’re not part of the trendy new “fee-only” financial planning movement either.
There’s no fancy office you can come and visit and we don’t give away free coffee and bagels.
We don’t do free dinner seminars, wine tastings, or golf events.
We don’t offer free identity theft protection and we don’t have a rewards program.
We don’t offer free financial account aggregation and the only client portals we offer are so you can keep tabs on the money you give us and to learn more about the companies you’ll be doing business with.
We won’t take you out for your 80th birthday and we won’t help you plan your summer vacation or help you shop for airfare and hotels.
It’s not that we don’t care about our clients. We do. We very much do.
We just don’t believe in buying you gifts with your own money like other advisors and firms do.
Some people don’t mind that. We do. There’s no such thing as a free lunch. Someone has to pay for all those “free” perks, and that someone is the client.
So anyway… enough about what I won’t do for you.
Let’s get back to what I will do:
If you do business with Monegenix®, and follow through on our advice, you will protect your income against premature death and grow your savings using a remarkably simple and effective insurance and savings plan that we design specifically for you and your unique financial situation. This plan will help you do a better job budgeting, insuring, saving, and planning for your future.
You’ll save more money while simplifying your finances through a unique reserve-based budgeting system, insure your income against loss due to death, but you’ll also be protected from a financial catastrophe while you’re alive.
You will save less than you otherwise would have to for a variety of financial goals, and you’ll have more — both now and when you’re old and need money. Of course, if you choose to save more… you’ll have more, and you’ll have fun saving money through our unique Monegenix Method™, which turns saving money into a game that you always win, no matter what life throws at you.
We’ll show you how to exploit the compression of time that happens as you age, and solve the secret riddle of savings compartmentalization which trips up even professional investment managers.
Plus… we’ll show you how to create financial certainty out of uncertainty.
Life is naturally full of uncertainties, but… you can turn those uncertainties into known, future outcomes using life insurance, reserve budgeting, annuities, and income planning and that is why our focus is on something we call “insurance-based financial planning.”
It’s not a specific product as much as it is a methodology and planning strategy that uses various software apps and insurance products as strategic tools to help you achieve your financial goals.
This method of planning is inclusive, not exclusive, of conventional financial planning. Meaning, my insurance-based plans can stand alone as a financial plan or be combined with conventional planning to enhance and augment outcomes from a more traditional approach.
Your savings will be guaranteed against loss, and some of our custom life insurance plans can help you finance your own business expenses or an investment or maybe just a much-needed vacation… you’ll become less reliant on banks and credit cards. Your insurance and savings plan will even protect you if you become sick or develop a terminal illness.
Enhance and protect your 401(k) or other retirement account by creating a “safety net” without sacrificing investment potential from these more traditional methods of saving and investing.
And if you only want temporary (term) insurance coverage, we’ll help you design a plan that can be converted to cash before you die, so you don’t waste years of premium payments.
But, plan design is just the beginning. You’ll have questions and we’ll have your back. We provide ongoing service for as long as you’re a client. And, when you become a client, you’ll have access to myself and my team via email, phone, or video and when you call us, a real, live, human being answers the phone.
When you work with us, we’ll also show you how to pay off debt and achieve all your important financial goals while eliminating the risk of losing your savings before you need it. In most cases, you won’t have to change your current lifestyle to accomplish this.
And, unlike most financial planners and insurance advisors, we do not believe you have to make personal sacrifices to become financially secure and independent.
“Sacrifice” means to give up something valuable for something less valuable, and we think that makes success and achievement impossible.
So, instead, we adopt a different approach. You’ll have a savings plan you can use before retirement and… if you never want to retire, that’s fine too. Your insurance and savings plan is flexible enough to use pretty much any way you want.
It’s hard to be financially secure if your income and savings is always at risk so we figure out how much you must risk to get to where you want to be, and how much you can objectively afford to lose before success becomes impossible, so you can remove anything below that threshold from risky or non-guaranteed assets.
If you lose your job, or if the economy tanks, you’ll be fine. And when times are good, you’ll have access to your savings to seize amazing opportunities that others cannot.
It’s a “simple, boring, but effective” approach to financial planning and one that runs counter to mainstream financial advice. We understand that might not be what you’re looking for and that’s fine.
Then again, it might be exactly what you need.
Want To Know More?
A great starting point for most people is to get on my daily email list.
I tell stories and talk about stuff that normally doesn’t see the light of day in the financial industry. That’s because I spend a lot of time reading and chatting with industry insiders via email, phone, and secret webinars which most people can’t access (unless they happen to work in the industry) — people who run life insurance companies, design and price insurance products, people who advise multi-billion dollar corporations, and who (for many reasons) don’t talk to the general public about what they know.
A word of warning… there’s a lot of sarcasm, stories some people think are “offensive,” and a lot of strong opinions. I sometimes even “go there” with politics and religion. But… some people have told me, on occasion, that I also dispense some damn interesting financial advice.
It’s not politically correct. Sometimes, it’s not even grammatically correct.
One reader put it like this:
If that bothers you or if you think you might be offended by any of that stuff, that’s perfectly fine.. no hard feelings. I just want to give you a heads up that my email list is probably not the place for you. I don’t want to get a boatload of hate mail from you and you probably don’t need the extra stress in your life.
On the other hand, if you’re up for an adventure, you might be ready to join my email list. Just enter your primary email in the form below:
Want To Know More About The Ideas Behind What I Do?
Some people have asked about what kind of ideas drive me and my company. Pretty heady stuff for some folks, but hey if it floats your boat, I’m game to tell you all about it.
Sign Up To My Email List Already!
You’ll have a lot of fun, I promise. And… you might even learn something.