The AND Asset: Caleb Guilliams and the New Playbook for Financial Confidence

by BetterWealth

Most of us think of our finances in terms of “either/or” … Either you spend or you save. Either you invest for growth or you protect for safety. Either you enjoy life now or you save up for retirement later.

But in my book The AND Asset, I explained how this binary, scarcity-based mentality is actually one of the most destructive forces in personal finance.

It all started back in my early 20s, when I took my first job at a community bank and immersed myself in the world of finance. Almost immediately, I noticed something was wrong. Despite having more access to data, charts, and “expert” opinions than ever before, my bank’s clients were still struggling to build wealth.

Even the smartest professionals were often trapped by rigid models: chasing rates of return, making tough decisions, and praying compound interest would eventually bail them out.

I knew there had to be a better way.

And that’s when I realized that the real problem wasn’t any specific strategy or investment, the problem was the “false choice” on which we were basing all of our financial decisions.

In reality, the most powerful financial strategies don’t ask you to choose between protection and growth … they thrive by empowering you to say yes to both…

That’s the essence of my “AND Asset” philosophy — a framework that utilizes properly-structured whole life insurance not as an alternative to investing, but as a foundation that supports and amplifies everything else you do.

Whole life insurance is a “capital multiplier” — a tool that enhances the efficiency of your entire financial strategy.

The power comes from what whole life uniquely allows:

Liquidity — Access your money at any time without penalties or restrictions.
Leverage — Use policy loans to fund investments, purchases, or opportunities.
Protection — Lock in guaranteed growth and a death benefit from day one.
Tax advantages — Enjoy tax-deferred growth and potentially tax-free distributions.
Control — Keep your capital off Wall Street and out of government hands.

Most financial tools force you into a compromise. The AND Asset — when structured properly — does not.

It allows you to keep your dollars compounding in a safe, guaranteed environment while also deploying those dollars elsewhere via policy loans. You don’t have to “break the compounding curve” to make a move. Instead, you keep earning interest in your policy while using borrowed capital to invest, build, or spend with purpose.

You don’t have to take my word for it, either…

This is precisely how the wealthy have managed their own money for generations.

Wealthy investors are constantly leveraging collateral, embracing debt when it makes sense, and locking in guarantees that give them the freedom to live their lives. Because if a dollar can create value in two or three places simultaneously, that’s where it should go.

The AND Asset gives that same kind of private reserve system to Main Street Americans — giving you access to capital at any time without interrupting your long-term strategy. You can invest in real estate. You can fund your business. You can weather an emergency. All without “robbing” your future self or derailing your long-term plans.

Not only do you get the emotional peace of mind from having permanent protection — you also gain a tangible financial edge by building an asset that behaves more like a private bank than a traditional product.

Because your capital is accessible. Because your downside is protected. Because your foundation is secure. You can take risks with more confidence, knowing your base isn’t being eroded by market whims or predatory lending structures.

This is especially powerful for entrepreneurs, investors, and professionals who want to be proactive but need stability in their core plan. With an AND Asset in place, they’re no longer playing defense. They’re building from a position of strength.

And this is something any one of us can do.

Most of us have never even been taught to think of our money in the context of a system. Instead, you’re handed disjointed tactics: save here, invest there, pay off debt if you can.

But what investors really need is coordination.

I created the AND Asset to make that coordination a reality. It connects cash flow, protection, opportunity, and longevity into a unified strategy. It helps people become stewards, not speculators. Builders, not just consumers.

Through my company BetterWealth, I’ve been helping advisors and clients alike to shift their mindset from chasing returns to building capacity — the ability to do more with their dollars by using tools that work synergistically instead of separately.

These principles apply at every stage of life. From early wealth builders to retirement planners, the power of having a compounding asset that you can also leverage is universally valuable.

If that sounds to you like I’m trying to rewrite the financial narrative — that’s because I am.

I realize it’s a bit bold, but in a world obsessed with dubious stock picks, side hustles, and TikTok trading tips, investors need a return to clarity and reliability. But that’s precisely what makes it powerful. It’s a call to simplicity, to fundamentals, and to financial sovereignty in a chaotic world.

Ultimately, the AND Asset isn’t just about cash value or policy loans. It’s about choosing a way of life that puts you back in the driver’s seat. It’s about rejecting scarcity and rigidity in favor of flexibility and abundance.

I won’t claim to have all the answers. But I won’t ever stop asking new questions, either. And I’m dedicated to offering a framework that can empower everyday investors to build their wealth with clarity, intention and control.

Because this isn’t just about strategy to me. It’s about having the freedom to live your life, and trust that the wealth you’ve worked so hard to earn and save will continue to reliably grow like it should.

And in today’s uncertain economy, that certainty might be the most valuable asset of all.

Key Takeaways

  • The AND Asset philosophy integrates whole life insurance with investing, enabling simultaneous growth, protection, and liquidity for wealth building.
  • Properly structured whole life insurance acts as a capital multiplier providing guaranteed growth, tax advantages, policy loan leverage, and continuous access to capital without interrupting compounding interest.
  • This framework removes false financial choices, granting investors can say "yes" to both safety and opportunity, fostering financial confidence and intentional living.
  • High-net-worth investors, entrepreneurs, and families gain a private reserve system that supports continuity, risk protection, and the ability to fund ventures like real estate and businesses without compromising long-term plans.
  • BetterWealth’s approach emphasizes coordinated financial strategies versus disjointed tactics, transforming clients into stewards of their wealth rather than speculators.
  • Using the AND Asset enhances control over capital, keeping assets off Wall Street and out of government control while providing emotional peace of mind through permanent protection.

Ready to see how this could apply to your wealth plan? Click the big yellow Clarity Call button and let’s map it out together.