Financial Legacy 101

Melvin Lamb

Financial Strategist and

Retirement Planning Specialist

832-378-1552

melvinlambo@gmail.com

PLANNING

YOUR FUTURE

How to Win the Financial Game of Life, Invest Like the Wealthy, and Generate Tax-Free Income with an Indexed Universal Life Plan, Fixed Indexed Annuity and How To Help Other Families To Do The Same Thing by Partnering with Lambo Agency

By Hope's calculations, the Great Wealth Transfer, women will inherit about 70% of $124 trillion over the course of the next 25 years, although some of it will be transferred more than once, first to surviving spouses, then to their children.

The $90 trillion Great Wealth Transfer is set to rebalance the generational income gap as the Silent Generation and baby boomers hand their fortunes over to their millennial and Gen Z offspring. Getting them ready for it, though, is another matter. ⁠

The Great Wealth Transfer is a once-in-a-generation opportunity for life insurance agents to help families preserve and grow their wealth. By focusing on tax-free strategies, estate planning, and IUL-based solutions, you can build long-term relationships and a thriving business.

The Wealth Transfer in scripture is God's plan to transfer wealth out of the hands of wicked people and place it in the hands of those who are good before God—His Children (Prov. 13:22, Ecc. 2:26).

Why IULs Beat IRAs and 401(k)s Every Time

LAMBO AGENCY IS HIRING

Lambo Agency Vision

At Lambo Agency, we honor the legacy of Lloyd Lamb Sr, a man who faced immense challenges after serving in Vietnam but never wavered in his desire to help others and secure financial freedom for his family. So this is why we have a Lamborghini which represents our last name Lamb. Our firm is inspired by his resilience and generosity, our vision is to empower individuals and families with the financial knowledge and tools they need to build a secure, prosperous future.

We are committed to providing innovative and strategic solutions with a special focus on Indexed Universal Life Insurance, to help our clients achieve financial independence and tax-free retirement. Through educational workshops, integrity, and personalized service, we strive to create lasting financial legacies, ensuring that every family has the opportunity to thrive—just as Lloyd Sr. would have wanted.

His journey fuels our mission, and his spirit of service lives on in every life we touch.

Top Carriers

We put our clients first by offering multiple options for coverage through several top carriers like National Life Group, Fidelity and Guaranty, Mutual of Omaha, Aetna, Americo, Foresters, TransAmerica, John Hancock, Athene, and Prosperity Life, just to name a few.

Lambo Agency Mission

Project 1000 Families: Building Generational Wealth Through Family Banking

At Lambo Agency, we believe that financial security isn’t just about today—it’s about creating a lasting legacy for generations to come. Project 1000 Families is a bold, 20+ year initiative designed to help families build generational wealth using Indexed Universal Life Insurance (IUL) as the foundation for Family Banking.

Our Mission:

To empower 1,000 families with the knowledge and tools to take control of their financial future by leveraging tax-free growth, protected assets, and financial freedom strategies that have been used by the wealthy for generations.

How It Works:

✅ Create a Family Bank – Use an IUL to build a financial system where your money works for you, growing tax-free and accessible when needed.
✅ Generate Wealth Without Risk – Benefit from market gains without suffering losses, ensuring financial security in any economy.
✅ Fund Your Family’s Future – Use your IUL to finance major life events, from education to business investments, all while keeping your wealth in the family.
✅ Break the Cycle of Financial Struggles – Transform your family's financial future by leaving a legacy, not debt.

Join the Movement

If you’re ready to take charge of your family’s financial destiny, Project 1000 Families is your opportunity to build true generational wealth. Let’s create a legacy that lasts!

🔹 Learn more today. Contact us to find out how your family can become part of this movement.

WHY CHOOSE Lambo Agency

When you choose our firm, you will be a part of the family that will benefit from more than 30 years experience as a Financial Strategist helping families secure their Financial Future and 22 years with my Property and Casualty License as well. We have a customer first focus to educate our clients how to win the financial game of life, invest like the wealthy, and generate a tax-free income with a 3-Letter Word. The IUL stands for Indexed Universal Life. We are working in correspondence with our clients to take ownership of their financial portifolio and get involved in their financial strategies. Because there is some element of risk with virturally all financial vehicles, our clients are encouraged to do homework necessary to gain at least a fundamental understanding of financial principles and strategies so they can make decisions for individual situations. If this isn't you, our family at Lambo Agency may be able to help you take ownership in your Financial Future along with us.e we’ve been there and done it. When you choose us, you’ll feel the benefit of 15 years’ experience of writing and edit

tax-free retirement

With the IUL, our families are considering the Alternate Loans approach which has advantages over traditional retirement vehicles. Not only is this approach tax-free when you access money in your policy for things like annual income, but your money is still in the account with the opportunity to earning interest. Contrast this with other financial vehicles, like a 401(k).

continuous compound interest

When our families earn compound interest, you make money not only on your original deposit, but also on your accumulated gains. Example of Compounding: $2, then $4, then $8 and so forth. (This is the Rule of 72 where 72 divided by rate of return equals years to double your money.)

Be Your Own Bank

When you and your family take advantage of Becoming Your Own Bank, it will provide tax-free liquidity--access to your cash--for everything from supplemental retirement income, business capital to children's educations, and emergency funds. It will provide safety from market volatility when utilizing the IUL financial vehicle. It will provide valuable tax advantages, and upon death, the opportunity for money to blossom and transfer to heirs income-tax-free. Your Traditional Investments like a 401(k), 403(b), and a 457 are not a Life Insurance with a Tax-Free Death Benefit; they are Traditional Investments.

Indexed Universal Life

Our families are taking advantage of the Power of Indexing. It is an Indexed Universal Life Fund which represents a properly structured, maximum-funded IUL policy. Indexing allows the money in your policy to gain interest when the stock market goes up, and to be completely protected from losses due to market volatility when the market goes down. There is a ZERO FLOOR to protect your gains. Your money isn't directly IN the stock market, it's simply LINKED TO the market.

families are becoming their own bank( Listen To Video Below)

Do you want to know more about how it works?

What is a Million dollar baby & an IUL college fund( Listen To Video Below)

Do you need to know more about how it all works?

Approximately 10,000 baby boomers retire every day. This mass retirement, known as the "silver tsunami", is expected to have a significant impact on the job market and economy. But as a Financial Strategist and Retirement Planning Specialist; this is the best time to be in the financial service industry to help families to allocate their wealth.

Baby Boomers over the next two decades, Cerulli Associates estimates that baby boomers and the Silent Generation will pass down a combined $84.4 trillion in assets to younger generations. Dubbed the “Great Wealth Transfer,” this phenomenon is already underway and will impact millions of families.Jul 17, 2024

Gen X

Gen X stands to gain the most wealth from the $84 trillion wealth transfer. While millennials and members of Generation Z are expecting the biggest inheritances in the coming years as baby boomers pass down their fortunes, Gen Xers will likely get the largest windfalls in the near term.Jun 18, 2024

So we at Lambo Agency help clients by strategizing with them to minimize taxes, keep their assets liquid, secure, and with a predictable rate of return with the ability to leave to their heirs as a Tax-Free Death Benefit upon their departure.

Monthly financial literacy

with Doug Andrew

Family First Life

with Shawn Meike

Free Agent Training

The sales training provided at Family First Life Insurance is very structured and places all our agents in a position to become successful. Training at FFL is always free.

3 Types of Income

Direct sales commissions, agency overrides and renewal commissions all deposited directly into your checking account on a daily basis (as you earn them).

Financial strategist AND RETIREMENT pLANNING SPECIALIST

A Message from Melvin Lamb

Our purpose is to help everyone involved achieve their financial future through the power of compound interest. When you partner with Lambo Agency you are about to learn how to grow your money using gains in the financial markets while simultaneously protecting that same money from market losses (including crashes). You will learn how you can make your money last for a lifetime and how to invest like the wealthy in a way that affords you unique tax advantages. You will learn how you can protect yourself from sudden bankruptcy or financial disasters due to the sudden financial burdens that arise.

You will learn an alternative way to save and how you can instantly tap into a 6 or 7 figure net worth. Lastly you will learn how to invest like a pro on Wall Street without having to deal with all the complications and intricacies inherent to managing a stock portifolio, and then how to leave the ultimate legacy for yourself and your loved ones.

Contact us at 832-378-1552 when you are ready to play this financial game of life and grow your money tax-free, become your own bank, get life insurance for yourself or someone else, or work with us as an agent helping families across the USA.

I look forward to helping you soon!

4 TYPES OF INSURANCE

How Do Millionaires Build Wealth Using Life Insurance