How to create the 1 financial Swiss Knife strategy for your portfolio-Part 1

Let’s face it. How many of us have not dreamt about or looked for the ideal plan at some point in our lives?

What kind of strategy would integrate the features that are essential to that ideal plan?

The answer is how to create the 1 financial Swiss Knife strategy for your portfolio.

Like the greatest, most versatile tools ever invented, the financial Swiss Knife should offer a plethora of instrumental advantages. So, in terms of wealth, what would your vision of a financial Swiss Knife look like?

The Financial Swiss Knife

If you asked me to design the ideal financial Swiss Knife strategy for you, your family, and your business, here is my first question:

What would you want it to provide?


My ideal strategy would:

  • Allow one dollar to do the work of many dollars,
  • Allow dollars that will take care of you if you live too long,
  • Allow dollars to take care of your family, business, or charity if you die too soon,
  • Allow dollars to be self-completing if you become totally disabled,
  • Allow dollars to provide funds for a critical illness like a heart attack, stroke, or cancer.
  • Provides a death benefit when you pass away that will replace the money used during your critical illness,
  • Allow dollars to provide a terminal illness benefit in case you become critically ill.
  • Allow you access to funds in the account to care for your family, business or charity before you pass away,
  • Allows dollars that provide long term care illness benefits that can be used anywhere,
  • Allows the remaining dollars in the account to replenish the money used to care for the person who cared for you,
  • Allow dollars that can be used to provide you with an out livable tax-free income stream.
  • Allow dollars to be accessed at any time without penalty.
  • Provide financial protection during serious economic downturns,
  • Provide returns that may yield 20 to 30 times the safe money yield of a CD or a savings account
  • Provide a guaranteed return with no downside danger, and only upside opportunity
  • Never have to be reported to the Internal Revenue Service or reported on a FAFSA

Have I reinvented the proverbial financial industry’s wheel? Don't reinvent the wheelHardly. But, as my father used to tell me:-” to make real money, you have to find out what the truly wealthy are doing,.. and copy it.-”

Focus on Solutions not Problems


In his NY Times best-selling book, What Would The Rockefellers Do?, Garrett B. Gunderson, ( insight into two of the wealthiest men in America, John D. Rockefeller, and Cornelius Vanderbilt. At his death in 1877, Vanderbilt’s railroad fortune was estimated to top $100 million, which research shows were more than what the U.S.Treasury held at the time!

In 2021 dollars, that’s more than $200 billion. You read right. Billion with a “B”.

Though Vanderbilt was somewhat of a philanthropist, he bequeathed 95% of his fortune to his son William Henry Vanderbilt, leaving his surviving wife and children to split the rest.

William did well. He doubled the family fortune before his death, sadly 9 years after his father’s passing. That was the last time the Vanderbilt family fortune would grow, in spite of Cornelius Vanderbilt’s last words,”-Keep the money together”-. The Vanderbilt’s heirs had a fondness for lavish spending and developed a reputation as wasteful wealthy socialites.

In just a handful of generations, the family fortune was squandered.

John D. Rockefeller’s legacy was quite the opposite. He made his fortune selling oil and kerosene with the objective to deliver quality oil at the cheapest price. He succeeded by driving its price from 58 cents down to 8 cents a gallon.

The result? He became the wealthiest man in American history, amassing more than $1.5 Billion dollars. In today’s terms, this translates between $243 billion to $341 Billion.

Unlike the Vanderbilts, his principal heir, his son John D. Rockefeller, Jr., aka. “Junior” kept the family fortune together by creating a trust for each of his children- a daughter and five sons. The trusts became known as the “Family Office”, and became known for generating interest income for all of the kids. Six generations later, more than 150 Rockefellers currently receive income from the family trusts. What made the difference? The first piece of the Rockefeller method.The financial Swiss Knife strategy.

The Rockefeller method was created to share how John D. Rockefeller used and leveraged this strategy to build, and preserve wealth for his family, creating the perpetual gift of love. According to the Public Financial Disclosure Report,, our current President, Joseph Biden, has effectively used this strategy for years. The late Senator John McCain used this financial Swiss Army strategy to partly fund his Presidential campaign.

In his all-time, New York Times bestseller read worldwide in over 10 countries, ( Barry James Dyke adds more illustrious names to this list:

  • Billionaires Bill Gates and Warren Buffet found a way to invest a combined $1.5 billion for their foundation using the financial Swiss Knife strategy
  • Hillary Clinton has generated $100,000 through the use of the financial Swiss Knife. (
  • Walt Disney used the financial Swiss Knife strategy to help build Disneyland because banks were hesitant to loan him money.
  • John Cash Penny used $3 million of the cash generated by this strategy, to keep his retail stores afloat during the Great Depression.
    His empire, J.C. Penney and Company, grew into a 1000-location company valued at $3.4 billion.
  • Ray Kroc used the financial Swiss Knife strategy to start McDonald’s’.

Just what is this financial Swiss Knife strategy, and how do I make it work for me, you may be asking by now?

The strategy has been nicknamed Cash Flow Insurance and the tool in this case Cash Value Life Insurance. This insurance guarantees to pay a death benefit whenever your life ends, provided that you pay the policy premiums. Conceivably, the most prominent feature of this policy is that the premium does not increase with age.

Why? Because typically, Cash Value  Life insurance asks you to commit to a higher premium in your early years when the insurance company’s death benefit-cost is still low.

Essentially, Cash Value Life insurance, in its purest form, Whole Life insurance in its role within the financial Swiss Knife strategy, has key three points:

  1. It helps safeguard your wealth,
  2. It helps you grow your money and increase your cash flow.
  3. It allows for the enjoyment of your money today and tomorrow.


Simply stated, the concept is to overfund a Cash Value Life insurance policy in order to use the cash value as a savings vehicle. Properly designed, it can act as a “personal bank”. You can access and retain control of your money at any time, earn interest while borrowing, and enjoy tax advantages.

It allows you to;

  • Minimize risk and loss of money;
  • Minimize taxation on the money you distribute,
  • Earn a rate on your money,
  • Set contingencies for death, disability (aka. The Slow Death), emergencies, and other unexpected factors,
  • Provide a systematic flow of money into your financial plan,
  • Enjoy the flexibility to make changes to your plan.


By this time, you may be saying; -“Well, the Rockefellers were loaded! How can the average middle-class American take advantage of this strategy?

Better yet, how can I start and take advantage of this strategy for myself and my family?”-

Essentially, it comes down to managing your money and learning how money flows. Some call this setting up a budget. A budget, however, focuses more on restriction than on expansion, so a better term for it is a spending plan.

Expenses are not created equal and are not all negative. They basically fall into 4 categories:

  • Destructive expenses- Some examples are vices or weaknesses like drugs, gambling, alcohol, and the like. There are, however, other examples, such as overdraft fees or credit card interest. These take a negative toll on your financial life and march you straight towards poverty or debt rather than prosperity.
  • Protective expenses- these are used to protect your property and human life value, which includes your mindset and joy. Mostly disregarded, these include your liquid savings, life disability, medical insurance, and others.
  • Productive expenses- An example of this is investing in your business’ human capital (key employee). In addition, cash flow generates assets and appreciates in value, ultimately enhancing your life now and in the future.
  • Consumptive expenses- Those that are fun and create lasting, enjoyable memories, such as vacations, audio, and visual entertainment sets. These do not build income or build assets but should not be discarded. They are, however, good expenses that require proper, common-sense management.

Ignorance and lack of application of these common-sense financial principles led to the Vanderbilt family’s financial demise.

With this in mind, the goal to make this Cash Flow insurance system is to learn how to manage these 4 types of expenses.

Eliminate and manage all destructive, consumptive, and protective expenses. Afterward, increase your productive expenses.

Gunderson recommends viewing your finances as a three-level pyramid. Level 1, the base level, is the protection against uncertainty. Have a minimum of six months of liquid savings, your life insurance, disability insurance, estate plan, and your emergency preparedness. Absent this, any what-if life event can place all your financial resources at risk.

Secure your foundation against any unexpected circumstances, losses, or worse yet, confiscation.

Level 2- The middle level. This is where you build what is referred to as your Wealth Creation System. Once Level 1 is funded, it’s time to figure out what to do with the rest of your money.

How are you going to preserve money? Where can you take advantage of positive cash flow and benefit from it?

This will require infrastructure and a system.

Level 3- The top level. This is where advanced planning, legacy plans, and asset protection with a qualified financial professional and attorney, will assist you in discovering what Gunderson calls your “Investor DNA”.

Managing your cash flow will not only help you save money. It can help create more wealth in the future, build up liquidity, earn interest, allow you to fund your Permanent life insurance, gaining the benefits of Cash Flow Insurance.

These first basic steps were an integral part of the plan that allowed the Rockefellers and the other celebrities earlier mentioned, to take full advantage and prosper from the financial Swiss Knife strategy.

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