Beyond Budgeting: How Grundy Builds Long-Term Wealth Roadmaps

When Adam meets with clients, he doesn’t just ask how much you’re spending. He asks what you’re working toward.

“The goal with the family that we’re currently working with is… they want to do some renovations around their house, they want to go on a couple vacations a year, not anything crazy. They just want to go to Colorado, explore the mountains here and there, go visit family… and really have the financial security to do those two things plus live an enjoyable life.”

That’s the kind of goal we build toward. Not just spreadsheets and pie charts, but real-life planning.

For many families, the key is combining strategic debt elimination, smart cash flow systems, and long-term growth through Indexed Universal Life (IUL) insurance.

You don’t need to have millions to benefit from a wealth strategy.

One of Adam’s clients, a couple in their 60s, came in with modest savings, a home with equity, and two underperforming life policies. What they needed wasn’t just another product. They needed a strategy-first plan.

“They’re putting that hundred thousand dollars between the two policies into the policies… by year six, they have their original hundred thousand dollars that they put into the policy that now they can access to cash value through tax-free withdrawals or tax-free loans.”

“That’s not including her Social Security… so now they have their positive cash flow to do whatever they want in retirement.”

Through a carefully structured plan, they eliminated their mortgage in 5.5 years, maximized cash value in their IULs, and created a future with debt freedom, access to tax-free income, and peace of mind.

We often hear, “Isn’t life insurance just for when I die?”

At Grundy’s, we turn that myth on its head.

“IULs, when structured properly, are powerful tools. After year five or six, the policy starts to grow itself, and you’re looking at a seven to nine percent return, sometimes more depending on the index.”

“It becomes this vehicle where your money is growing, accessible, and tax-advantaged. It’s not just a policy, it’s part of a retirement plan.”

That’s not theory. It’s what Adam and his team implement every day. The key lies in how these policies are designed: minimum death benefit, maximum cash value, and complete alignment with your life goals.

One of the reasons Adam chose to become an independent broker?

“If someone works for State Farm, they’re only going to be able to offer you the products that State Farm offers, right?… I chose to go independent so I could shop around, structure things properly, and find what fits each client best.”

That independence allows us to access top-tier carriers, customize the policy to your timeline, and optimize for liquidity and tax advantages, not commissions.

Whether you’re nearing retirement or still building your foundation, Grundy’s roadmap is designed to grow with you.

“What we’re really doing is giving people options. You want to retire early? We plan for that. Want to travel more? Let’s make it happen. But it starts with the long view, beyond budgeting.”

With strategies like HELOC optimization, debt payoff acceleration, and max-funded IULs, we build a roadmap that adjusts with life while protecting what matters.

And we don’t do it alone, we bring in strategic partners when needed, from mortgage advisors to investment professionals.

At the core of our work is financial freedom and legacy. Not just surviving. Thriving.

“We’re not looking to get super rich. We’re just taking care of other people and simultaneously being taken care of ourselves. It’s a really beautiful thing.”

Your roadmap doesn’t have to look like anyone else’s. It just has to work for you.

Get a long-view financial strategy that aligns with your real life. Let’s build the roadmap together.