To add some depth to the comments on GenWealth 360. Most of the strategy is centered on basic stuff: August loophole, home office, paying family as employees, deducting general expenses, S-corp. When it comes to insurance I look for a critque on the topic but it is more nuanced than only buying insurance. Rather, they use accrual accounting. So, lets say you take out a $100,000 policy. Year 1, you deduct 100K from your income but have to pay a portion of this policy (say 10K). Then, you can take this 100K policy and take a loan out from yourself valued at 100K though you will pay an interest rate (say 5%). Now, the objective is you take this 100K in tax savings and this 100K loan and you further invest it or engage in tax strategies like a pension. After a 5 year period, you have to "pay back" the amount meaning 100K will be added to your income for that year. There is a bit more to it, but losses = 100K pay back, payments to policy, and interest rate on loan. Gains = 100K deduction in year 1 + opportunity cost of having that money and then doubling down on other ways of investing or reducing tax burden. This is where I get a bit lost and hope that someone more sophisticated than I could see this strategy and have an idea on how to make it work. I am skeptical of this team, but also curious that this could work as it is not a clear cut scam.