Does the idea of money with your name on it sitting in a government account sound too strange to be true?

In this episode, I'm revealing the reality of unclaimed property—forgotten utility deposits, dormant college savings, and even retirement accounts that can end up swept into state funds. I'll show you how and why your assets might be turned over to the state, and the steps to find and reclaim them.

Tune in and discover how a few minutes could uncover a lost treasure and take control of your financial future.

Listen now!

Show highlights include:

• What "unclaimed property" means with examples and facts about their set dormancy periods. And what your state does with unclaimed property. (0:39)

• Discover how many Americans have unclaimed property and the record dollar volume of such assets returned to their rightful owners in 2024. (2:43)

• How exactly does property end up unclaimed? See if these scenarios are relatable. (3:32)

• Did you know that companies could lose track of you and your funds could end up with a different company? Why it happened to my client. (4:05)

• Unclaimed property laws for retirement accounts and how they get flagged for abandonment, liquidated and taxable—and a cautionary tale from Ed Slott and Company on inherited IRA issues, with IRS rollover rules. (5:59)

• Step by step: how to locate and recover your unclaimed property—for free, right now, officially, safely—in Washington and other states! (9:20)

• Five simple vital action steps to protect your money from going unclaimed. (11:00)

• Would you like your escheatment story to be featured on the podcast? Here's how to let me know. (12:47)

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509
Infinite Banking Mastery (infinitebankingnorthwest.com)

Today, I'm wrapping up our series on financial basics for teens and young adults. In this episode, I'm breaking down exactly how banks use your money to make money—and why that keeps you on the losing end.

I'll show you how to turn the tables using the Infinite Banking Concept so you can keep your money working for you instead of making someone else rich.

If you want the best saving and borrowing alternative to take control of your finances and build a strong foundation for you and your family, you're in the right place!

Listen now!

Show highlights include:

• How banks really use your deposits to generate profits and how fractional reserve banking allows banks to lend your money while holding only a fraction. (1:45)

• Learn the history of modern banking that began with goldsmiths. (4:48)

• The life-changing power of the Infinite Banking Concept that allows you to profit through your cash value in a Whole Life Insurance policy, using the banking model. (6:42)

• Think about how you might borrow from the bank to buy a car and what happens when you borrow from your Whole Life policy instead. (8:45)

• Discover the steps for structuring a Whole Life policy for a personal banking system using IBC. (9:36)

• The vital importance of nurturing financial curiosity in young people and helping them leverage time for compounding wealth. (11:36)

• Would you like me to help your teen or young adult get started with Infinite Banking? (11:59)

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509
Infinite Banking Mastery (infinitebankingnorthwest.com)

If you think Life Insurance is just about leaving something behind when you die, think again.

In this fourth part of my series on teaching teens and young adults real financial skills, I'll show you how a Whole Life policy—especially when set up for Infinite Banking—lets you use your money while you're alive, with flexibility, liquidity, and tax advantages other retirement plans don't offer.

You'll see why starting early matters and how you can give your kids a real head start. Make your money work on your terms at every stage of life!

Listen now!

Show highlights include:

• A big misconception about Life Insurance and why it's really about "life." But what really supercharges the power of Life Insurance? (1:49)

• What a meeting with Primerica in my early twenties made me realize about Life Insurance. (2:42)

• Discover the rider that saves your Life Insurance policy if you're too sick or hurt to work—even until retirement age. (4:13)

• The powerful access to death benefits while you're alive that Whole Life may allow. (5:09)

• Free Accelerated Death Benefit/Living Benefit Riders explained. Find out what qualifies for this financial help during life from your Life Insurance payout. (6:00)

• Why I say that Whole Life insurance is an asset, not an investment. (9:16)

• A refresher on the unique power of Whole Life's policy loans with self-repayment in the Infinite Banking Concept. (9:58)

• When to start future planning with Whole Life using IBC for your kids as a parent or grandparent. (12:00)

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509
Infinite Banking Mastery (infinitebankingnorthwest.com)