Summary
➡ The speaker discusses the concept of ‘color of money’ which categorizes money into red, green, and yellow. Red money is risky with no guarantees or protections, and includes investments like stocks, bonds, and real estate. Green money is safe and guaranteed, often held in insurance accounts. The speaker warns of an impending financial storm and advises diversification and understanding these money categories to protect oneself.
➡ This text encourages investing in silver and safe money, like cash value life insurance, for financial security. Silver is highlighted as a good investment due to potential increases in its value. Safe money, while only allowing access to 10% per year, can double in five to seven years. The text also warns against storing precious metals in bank safe deposit boxes and recommends getting everything in writing when buying precious metals.
➡ Insurance companies offer three layers of protection for your money: cash reserves, reinsurance companies, and plans for catastrophic events. These companies have been around for a long time and can offer a guaranteed return on your investment. However, not all states offer the same number of safe money carriers, and some financial advisors may not offer these options. It’s important to have a plan to protect your money, and insurance companies can provide this security.
➡ The speaker, a financial advisor, shares his personal experiences growing up as a military child and his journey in the financial industry. He encourages listeners to consider their financial portfolios in terms of “red, yellow, and green” money, and to reach out to his team for advice. He also advocates for supporting American companies, particularly those that prioritize God, country, and family, and recommends a specific American product company. Lastly, he emphasizes the importance of faith, asking for wisdom, and trusting in God’s guidance.
Transcript
Isaiah, how’s that sword doing? It’s getting heavy. Yeah, it has a tendency to do that, such as life. And yet men will try to go as far as they can by themselves. We need each other, and God gives us strength when we stand together. Now, there are times when you’ll have to stand alone, but don’t do it out of pride or stubbornness. If you need help, ask. If you see a brother in need help, stand with him. Treat him the way you want to be treated. So how’d that feel? Right now, way better. Hey, guys, Carlos Cortez here with another episode of Scriptures in Wall Street.
Hope you’re doing well. As you guys know, I’m traveling this week, and allergies are kicking in. Not really going to do a whole podcast this weekend, but I wanted to. Wanted to basically do this video and let you know that I’m going to be doing a replay on some of the important content that I think will benefit you. Going into 20, 25, S, P, 500, Dow, the NASDAQ, they’re all going up. They’re all going up right now. And yeah, you could. You could stick your toe in it and make. Make a profit. And these three major indices, obviously the Russell is starting to turn around as well.
So you have the New York Stock Exchange slow dragging a little bit. Look, gold and silver still up, outperforming most of the markets. But what I’m. What I’m telling you and what I’m basically seeing is that there’s a lack of momentum happening right now, and it’s a little too late. If you’re in, you’re in, like bitcoin. We got a bunch of calls. Hey, shopping, buying bitcoin. That boat has kind of passed a little bit, right? I mean, if you’re in it, great, because you got in at a great cost basis. But right now is not the time to be buying bitcoin or even gold, maybe silver.
You can probably make an argument on silver. But you are reaching all time highs and with the momentum decreasing a little bit, guys, you have to remember that Trump is in now and the first thing he’s going to do is impose tariffs. Now what basically happens, same thing in 2018, in December 2018, you’re going to see a market reaction to that. And they could, they could see a lot of, a lot of volatility, they could crash in markets. But as soon as those tariffs hit and it actually happens, I think everybody’s kind of like, I’ll see it, I’ll wait to see it kind of before I believe it.
Is he really going to do it? Is he really going to crash the markets with the terrorists? He’s going to do it. He’s going to do it. I mean, he’s done it before and why wouldn’t he? I mean they, these countries continue to abuse us because his idiotic president, stupid face and his retard cabinet. So when, when you have all of these factors, you know, the Keystone pipeline, the tariffs, there’s also the pharmaceutical issues, what is RFK Jr going to do to big pharmacy there? There’s a lot of things that are going to happen. Obviously you have Bezos selling out billions of dollars out of Amazon.
There’s still bank problems. At the end of the day, there’s still bank problems. And the financials, we looked at KRE for the whole year, it’s still going up. It’s still going up. I honestly don’t believe that banks are safe because they’re the most vulnerable out of all this. With the commercial real estate crisis happening that we never responded to, just like we never responded to the student loan crisis, we’ve never responded to the pension crisis, we’ve never responded to any of these financial dilemmas that we had. And so somebody’s going to get stuck with the bag.
And hopefully it’s not your 401k, hopefully it’s not your IRA. But we have solutions. At Cortez Wealth Management, this is what I do. I trade the markets literally every morning, two hours a day, I’m 9 11. I look at everything that’s happening and I enjoy it. I enjoy it and I enjoy talking to the audience, letting know what I see at a macro level, long term level, short term level, and just exposing the truth. And the truth is that yeah, the markets are going up, there is a Santa rally, but it’s losing momentum. And this time around I really feel that just because everybody thinks Trump is in, that the stock market can’t crash or what if I told you the dollar could skyrocket and your gold could crash? What if I told you that, would you believe it? Well, to be smart and think two opposing ideas, that’s how you have to be going into this 20, 25 and future, right? We have to understand their logic.
We have to understand our logic and what the right logic is and put our emotions out of the way. Wall street does not care about your emotions. They make money off of your emotions. So we all know our bias, we all know our political beliefs, our Christian based beliefs, our, our patriotic beliefs. We understand, we understand that. But that doesn’t mean we get to be stupid and stick our neck out there knowing that. Hey, these guys know what we know. And don’t get high on a horse thinking, you know, they don’t, they don’t know they’re the ones that set up the traps, the psyops.
So gotta be smart. Gotta be really, really smart. For those of you listening to this green, MoneySolutions.com is my new website. You just go in there and pick an option. We have color of money that I’m going to replay right now we have America First Retirement plan. Com. You can download the guide, fill out the questionnaire, get it back to us. I’ll give you a free book, our America first retirement planning book. You could do that as well. If you’re a current client, just email me at infocorteswm.com again infocort says wm.com if you have any questions.
If you’ve been a fan of the podcast, just email me. I typically email back quickly but with that being said, do not forget to book an appointment, a checkup. Make sure your portfolio is trump friendly going into 2025. @cortezwm.com we would love to do analysis for you. I’ve been doing financial plans lately, scanalytics and really just getting into clients portfolios and understanding what their, their risk, their standard deviation is. Also their returns are and it’s quite compelling that high chance your advisor is just sitting on everything and not really, not really being active, right? Being proactive.
So you want to make sure, you want to make sure that your account, if you’re in a market, your account is rotating in and out of these indices that are, have a huge standard deviation, have a huge risk, a massive drawdown. So a one easy way, one easy way we can control the asset. You can control the asset, you can protect your principal, you can have an account that will compound annually for you is just give us a call or go to greenmoneysolutions.com look at all the options there. It’s really cut and dry. Or just give us call 813-448-3446.
More importantly, I want to help you. I want to help you secure your retirement. Want to help you beat this psyop that’s about to happen in the markets. I really feel that just because Trump is in, they could just throw everything at him if they haven’t assassinated him by January. So they are, they are going to make this a living hell for him. And I believe that this is, this is the only guy that can lead the country, that can bring conservative values and you know, not even looking at the vaccine and the pics and the Jewish mindset he may have, I’m not even looking at that.
I’m just looking at core American values, like basic stuff, having our GDP kick ass again, making the dollar strong, securing our borders, just basic stuff. Not getting into the rabbit hole, so to speak. Just basic America only stuff. So enjoy the replay. One of the best, one of the best podcasts out there in regards to how to protect your retirement. Colorizing your money. You definitely need to learn the color of money. It has helped tremendously throughout my whole career consulting clients. Great tool to have. I can’t imagine retirement life without it. So I’m coming at you from my condo in Orlando.
Hope you guys had a heartfelt Thanksgiving. You’re full of turkey and leftovers, mayonnaise and bread for turkey sandwiches. Literally for the rest of the week I’m gonna be gobbling. I swear next week I’m gonna be a turkey myself. But anyways, God bless you guys. I’m out of here. I’m sorry for the, for the setup, but I wanted to do something. All right, God bless. Bye bye. It wasn’t too long ago we had the TARP, the Toxic Asset Relief Program in 2008. I personally remember being a kid in the business and having Washington mutual with over $300 billion just go belly up.
Everything vanished and they had a FDIC claim. But we’ve quick to find out that FDIC took their time to pay those bank depositors back. This was pre bail in. This was during a bailout error. So what I really wanted to discuss today was very just complete simple. The world of retirement, the world of Wall street, the world of finances has gotten complicated and more and more complicated. And I’ve created a process over the years that literally has ability to decipher what is right and what is wrong. A very easy approach after this podcast, you will not look at money the same.
I promise you that. So just pay attention for the next few minutes here, and what I’m going to introduce you is the color of money and how powerful it can be. Now, the color of money approach is approach that we adopted. We made it our own here at Cortez. Well, but more importantly, it’s going to protect you from the financial hurricanes that we are about to embrace. With a dollar going down like Zimbabwe, inflation uncontrollable, regardless of what Jerome Powell tries to do, and Yellen saying that she wants to bail out all these banks and not really have a plan for it.
We’re in for a huge, huge financial, financial storm, guys. And honestly, like, our precious metals can only do so much. We have to be, well, more diversified than this. So today we’re just simply going to talk about the color of money. The color of money is very, very powerful. If you can pull up this red graph here. Now, I want to speak on red money. If you’ve been following me for over a year, you’ve heard me talk about red money, green money, yellow money. And so this podcast is actually a revision of one I did last year.
I didn’t have the graphics. I didn’t have the cool screen behind me or a new microphone. So I just wanted to remind you guys that the color of money literally is the whole essence. It’s the foundation of the America First Retirement plan. It’s the whole foundation of why we’ve become successful as a financial advising firm. Now, keep in mind my little disclosure here. I am securities license. I am a financial advisor. Anything that says today should not be construed as financial advice. And if you need financial advice, give us a call. 813-448-3446. Everything in this episode and future episodes should be for educational purposes only.
So red money has characteristics. So if you have a sheet of paper, you definitely want to fold it like a trifold. And what you want to do is fold it, and then when you open it, when you open it, you’ll have three columns, and you can follow along with us if you’d like. And when you open up your sheet of paper. Let me find a clean sheet of paper here. When you open up your sheet of paper on the right hand side, you’re going to write red. Now, red money is money. If you can pull up the red money chart, money that has no guarantees, money that has no drawdown protections.
It has unlimited losses, unlimited gains, a lot of a share fees. So for you guys that have mutual funds. That is a money money in the stock market, such as stocks, bonds, crypto, real estate, even precious metals is red money. Anything that goes up and down in value is red money. We also have variable annuities. Like variable annuities can be very tricky because they guarantee a certain rate, but that rate is not on your account value. It’s on the insurance income account. That really isn’t real money. It is just an income stream. You’re basically reverse mortgaging your home when you have an income rider.
I’ll explain that in another podcast. But just know that if you have a variable annuity, you have red money. There’s crazy amounts of fees associated with it. Typically it’s 3.65 to anywhere from 4.25. You have a mortality expense fee, a mutual fund fee, and a living benefit fee, as well as admin fee, sometimes a death benefit fee. If that’s you, give us a call. We want to get you out of red money. 813-448-3446. But the characteristics of red money is simple. There’s no guarantees, there’s no drawdown protections. You have unlimited losses, unlimited gains there. There’s unknown fees.
You have mutual funds. Unfortunately, a lot of 401ks and traditional IRAs are in the red money space. So when you have your 401k in IRAs, market goes down, you lose money. What to do? It causes fud. And so what you need to know about red money is there’s a lot of fudge, fear, uncertainty and doubt. And we have this on our graphic here. Fear, uncertainty and doubt. You’re fearful because you don’t have a plan. You’re uncertain because the plan is not working and doubtful because you don’t have confidence in your current advisor. Or maybe he’s vaccinated.
Maybe he doesn’t believe in what you believe in. Maybe he’s a, you know, you’re not aligned with him politically or spiritually. This is a huge, huge thing. So what’s crazy is that the big, big banks, they only play in red money space. As a former stockbroker, I only played in red money space. This is how I know this is in existence. And this is what 99% of America is in right now is red money space. This is where there is a lot of corruption, there’s a lot of bribery. When I was a stockbroker, literally, I would have these big companies like you’ve heard them all.
I’m not going to say them here. I’m not going to give them the time or day to ment mention them. They would pay for high stake dinners, high end steak dinners. They would pay. I don’t even drink, but they would pay for four or five hundred bottles of wine, take us out to dinner. They would take some of the guys out to strip clubs. Never been into that. They would just spend a lot of money. And they were corporate representatives of these big banks. You’ve all heard of them. And I’m not here to say their names.
I’m not, I don’t want to and I don’t want to deal with, with unnecessary, unnecessary damage control. So just know that in the red money space there is a lot of, lot of blood money. There’s a lot of Luciferian tactics, there’s a lot of greed. Unfortunately, every single 401k and IRA that I’ve seen is still in red money. Mutual funds, it’s in stocks and bonds, even your real estate ira, it has no principal protection. So who operates in fear? Who operates in fear? Guys, where’s your peace, love and sound mind? For I have not given you the spirit of fear, but of love, power and sound mind.
2nd Timothy 1:7. When people call frantic and they’re scared, it’s because they’re in red money 90% of the time. 95% of time they’re in red money. They have no plan, they have no insurance contract law. They have, they don’t even have precious metals. They don’t. They have all their money in the bank. They’re scared. They’re listening to people that are not even licensed professionals. They’re filling their head with just garbage and they’re clinging on to their money like if it’s their lifeline. Guys, the whole point is, is that we have to trust God and what he says in the Bible.
If he can provide for the birds in the heirs and the lilies in the field, are we not better than those? And we are his children. How much could he provide for us? So red money is literally a spirit of fud, fear, uncertainty and doubt. So in the middle of your page with your trifold, there’s something called green money. If you can put the green money chart. This account is an insurance account. It’s a safe money account. It has guarantees on your principal. By the way, there’s been over 435 banks from 2008 all the way up to 2014, 435 banks have been belly up insurance companies over the most historical monumental financial meltdown we’ve had in 2008.
There’s only been two or three that have been belly up and they have been reinsured. AIG didn’t go belly up. It was their derivatives department. And so when you have a safe money company go belly up an insurance company, it’s extremely rare because of the mandatory reserve requirements they’re supposed to have. Well, what if the dollar crashes, Carlos? That’s a great question. I would rather you have insurance on your money and contracts and have all these attorneys backing you up for a financial type of reset. An insurance company has to protect your money for equal or greater value.
Tell me where that contract law is on your stocks or your or your bonds or even your precious metals. And I have them. I have them. I’m not saying I don’t disbelieve them, but I do have them. And we recommend Cornerstone. Like they’re a good group of guys or patriots or God fearing people. 99 chance they will smoke any other price that you get off of whoever gold dealer or silver dealer that you’re working with, call them at 374-73309. They’re great, great people and they’re God fearing people. They’re honest people. Do business with them. We love them over here at Cortez.
I want you guys to save money when buying your precious metals. And there’s a lot of, there’s a lot of gold and precious metals dealers that are just ripping people off. So get everything in writing. Get everything in writing if you are buying precious metals. And contact Cornerstone if you want a second opinion. Or you can call us at 813-448-3446. We’ll personally talk to you, vouch for them and honestly give us our or give you our honest opinion. So with red money the only thing I like for 2023 is silver. Now just know that silver is priced right now.
It’s gone up. It had a great month. This month I’m recording this April 10th of 2023. So if you watch this a year from now, just know that silver is around $24 an ounce and it’s a great hedge of what is about to happen. It could go to 80, 90, it could go to $35 in the next few weeks. As these woke companies try to take over America as the Belt Line Road initiative in China and Russia connect and they’re trying to get rid of the US dollar in their circulation. You’re going to see silver go up.
However, it’s not insurance. It’s not insurance on your money. You don’t have a written contract. All right? And if the dollar does crash. Let’s just say the quantum financial system is real and it. Let’s just say they’re right. Then your silver would, would be most ideal. Gold. Gold is a tier one currency. The government could call it back. They could call it back. And the worst place to store it is in a safe depository box at your bank. Because if the bank goes belly up, they also have rights to your safe deposit boxes. It’s their property.
By the way. The bank won’t even be there if they go belly up. So don’t keep it at your bank. There’s smarter places to keep it. Like your gun safe or underneath your bed or your closet. Or if you’re like my grandmother, she had a German shepherd and she kept all her money in a shoebox underneath the bed. No one ever walked into that bedroom. So, uh, sometimes old school is the best technique. Right? So what I want to talk about safe money here is that this account has guarantees. Yes, there are some cash value life insurance that is considered safe money.
I don’t really like whole life. It is better than most. Whole life is going to get you CD like rates of return with inflation being a gazillion percent like Zimbabwe. No, I’m exaggerating. But you know, with inflation being at 8 or 9%, the whole life policies do not even keep up with inflation. So you lose money in a tax free bucket. But what we do like about safe money, it’s only designed for money that you want to keep long term, safe, vaulted, insured and everything. You know it’s funny. We have insurance on our phones, we have insurance on our cars, our health, our life, our dogs.
Heck, Jennifer Lopez insurance on her butt. Dolly Parton has insurance on her boobs. David Beckham has insurance on his ankles. The list goes on. But where’s insurance on your money? FDIC is not insurance on your money. You need insurance contract law protecting your money going into this Luciferian takeover that we have. Not only that, but with companies that honor God, country and family, A minus and B plus companies that been around in existence for over 50 years. They’re located here in good old boy America and they have American values and they don’t. They don’t outsource their call centers to the BRICs.
So safe money. The cool part about safe money is that you have a guarantee on funds. This is the only place I can say the word guarantee. I can’t say any other word when I’m. When I’m dealing with securities. As a security licensed professional, I can’t Use the word guarantee, but I could use it when it comes to the context of the guarantees of the insurance companies. So you want to go with the strong company, but not like the strongest company. Because the strongest companies, what they do is they have a lot of hidden fees and they will advertiser in a Super bowl and they charge you fees and sometimes they’re unknown and depending on your state, your state could have additional fees or I’m sorry, different products that have fees.
So be very, very careful with that. No market losses ever. And the contracts typically have, there are some free contracts, but there are contracts that do have a 1% fee, one and a quarter fee. Those are still great because a lot of them, they will actually give you multipliers. So as you’re indexing your account and let’s just say the index does 5%, they would actually, if you’re paying a fee, will give you 10% because their time 2 is times 2. So they have these multipliers built into these indices. They’re great for long term money, great for IRA money, great for protection if there is a financial reset, great for a bond alternative.
People tend to go to bonds, but bonds have our red money and bonds have been depleted over the past year over 30%. Long term bonds, specifically short term Treasuries are the safest bet right now when it comes to liquid assets. Creating a 4 or 5% rate of return for you and your household and keeping it liquid. However, this is safe money, whatever money that you want long term to be established and make an average of 5 to 10% annually, 5 to 9%. I would say that is for safe money and there’s really nothing to it. The only bad part about safe money is you only have access to 10% a year.
Typically after the first year you have access to 10%, but your money should double within five to seven years, depending on the strategies we elect for you. Some have fees, some have lower fees, but you also want to find an insurance company that guarantees their rates. They want to guarantee their rates. So if they have these multipliers, I want those insurance companies to guarantee those multipliers for X amount of time. The other downside is there’s typically a time commitment with safe money. Five years, you only have access to 10%. But in five years you have the huge opportunity of possibly doubling your money.
And there’s a 10 year contract that we like, offers a bonus, you still have access to 10% a year. Your money could literally double as well in five to seven years. Inside of that 10 year contract. After that 10th year, you can re up it. You can do whatever you want. It’s fully liquid, 100% of it. But each and every year that you have it, you still always have access to 10% a year. Great for income. If you’re trying to get an income or if you’re just trying to just protect your money from Wall street and have insurance on it, then that is huge.
A lot of our clients honestly will just have safe money and precious metals. Safe money and precious metals. Safe money and precious metals. And I honestly believe that you will be fine regardless what the world throws at you. If you have precious metals, dollar crashes, boom. You just made a ton of money. If you sell it or if the world says, you know, we’re gonna keep the dollar, but the government’s in your pockets more. And you have the JP Morgan guy domain diamond or whatever his name is. Yeah, I think it’s spelled D I, M O N.
Diamond. I don’t know how to pronounce it. I’m butchering his Luciferian name. But they want to take your. Your land. I was just reading that. Right now, they want to take your land for green energy. So there goes your silver. You can’t have green energy without silver, guys. So you have your silver and you have your insurance contract. Tell me a better plan than that, other than buying ammo. That’s another form of precious metals, by the way. Tell me a better plan than that. You have protection from insurance contract law. You have precious metals from a falling dollar that Brazil, Russia, India and China want to excommunicate out of their financial ecosystem.
We got a plan for that, baby. Like, if you’ve been listening to us for a whole year, we have the solution. We know the financial storm is coming. We already know these things. You have to be proactive. Guys, pick up the phone, give us a call. 813-448-3446. Or simply just visit us@cortezwm.com the link is below this video. So safe money is huge Now. Within the safe money space, there’s three layers of protection. First and foremost, an insurance company has to. Has to have cash reserves, period. They can’t finagle around it. They have to have it. Now, there are some bad companies with shenanigans.
And yes, we want to avoid those companies. The second layer of protection is they have reinsurance companies and organizations that protect the first layer of protection, which is the underwriting, insurance, underlying insurance comfort. So they have a reinsurance company that backs them up. Typically, dollar for dollar. So you probably are wondering what is the credit scores of these insurance companies and what if the life insurance companies are going bankrupt because all these people are dying? Well, the cool part about this is that most life insurance companies particularly, they already planned for a Spanish flu, they call it act of God type of pandemic.
And they already have that all written actuarially where they can, they can defend themselves from an electronic terrorist attack, they can defend themselves from a Spanish like flu, they can defend themselves from an earthquake and have a catastrophic plan. They already been tried and trued and they’re still in existence. They’re also been around for over a thousand years. They come from Rome actually, these type of contracts. And the farmers, I mean if you really, really look up into, deep into this, this is the oldest financial instrument in the world, that and precious metals. So it goes back to those two things.
But we like insurance contracts because they give our clients a peace of mind knowing that going to bed, you have a reinsurance company that will guarantee your principal. And it’s growing right now. If you don’t want to be in the index, you literally can make four and a half percent guaranteed. There are contracts right now depending on your state, you can make in one year 10%. Most states around nine and a half percent. If you’re okay with only having access to 10% after your first year, you can put everything in a fixed bucket, get one with a bonus, a sign up bonus, and walk away from the bank where you have your assets.
The money in the bank in my opinion is not safe. They’re lending like crazy. The interest rates are skyrocketing, your money is so at risk. And honestly my clients want more guarantees. And banks just can’t offer layers and layers of, layers of protections. So give us a call. More than ever guys, you have to have a plan to guarantee your principal to be like Dolly Parton, ensure that you know what, have insurance on your phone, your laptops, your car, your home, your life, your health. I mean we have insurance because they’re valuable to us. But many of you walking around in retirement with no insurance on your cash, no insurance on your retirement, it’s odd.
Oh, and by the way, that’s because the red money advisors, they don’t make money in the green money space. Ding, ding, ding, ding. So as you do business with these big, big woke companies, they won’t even cross the lines to the green money space. And the ones that are, oh man, it is crazy. So call your broker at Morgan Stanley, Edward Jones, all the Big banks and say, hey, I would like some guarantees on my money. They will laugh at you. Tell them what green money is and they’re gonna, they’re gonna say yeah, we don’t have access to that.
They don’t get paid on this stuff. They’re, they typically are loyal to their firm and what they can only offer what their firm says they can offer. So also it goes deeper than that. It goes to the state. So the state determines which safe money carriers and insurance companies they want to do business with and offer to their citizens. And some, some of the states that are very difficult to work with is the state of New York, Tennessee, Wisconsin, Michigan, Missouri, believe it or not, the states like California, they’re very easy to work with financially. It’s weird how that works.
What you think would be the hardest is actually not. The true chest is the financial test. So we look at how conservative they are from a financial standpoint. If they offer safe money carriers, we know that they are conservative state. If they’re limited on how much they can bring on, we know that there’s some shenanigans possibly going on. Like why does Florida have over 90 different companies to offer on a safe money side, But a state like Missouri, Tennessee, Wisconsin only have a handful is their financial department of labor or their financial or department of insurance, do they have the best interest for their citizens? Just, just some facts guys.
I’m, I’m not pointing fingers, I’m just talking facts. Like why is it that you can’t get these safe money products in every state? Just, just a question. Moving on to yellow. Now yellow money is going to be our liquid account. Now yellow money is a hundred. What you need to know about yellow, it’s a hundred percent liquid. There are fees associated with yellow. It’s not a free account. There are 2% or less depending on how much you have and what kind of money manager you want. It’s not a cheap account because it’s tactically managed. But what you want to understand is that tactical management has.
This is not a guarantee, but they have these like seat belts or these bumper rails these floors. You will lose money when the market goes down. Typically what the money manager wants to do is they want to get out at that. Negative 7, negative 10, negative 13 number. Now we use an individual brokerage account with a money manager that has a lot of sophistications with the softwares, artificial intelligence. A lot what the big banks are using with their trading terminals, we use that to protect you. So you want to have a money manager that has billions of dollars in management, like who we’re partnered with.
And if or should the market crash, they’re trading it, they’re trading out of it, they’re trading with it. We also are bringing on money managers that have the ability, like if the market does crash and the currency crashes, we have the ability to buy different currencies to offset it. So there’s some good trade, you know, foreign exchange trading going on in these accounts. We have the ability to bring those on because that is a huge thing right now. So we want to make sure that you’re in a position to be able to benefit of whatever happens.
Market crashes, the market goes sideways, market goes up. You make money in your green money, you make money in your yellow money. You protect your money in the green money. You only lose a little bit in the yellow. Now, the problem with yellow money is if the money manager goes to bonds like they did last year, and the market goes down 30%, a lot of clients have gotten hurt because the bond market crashed last year. So what they, what they use for safety in the bond market actually was not safe, vice versa, what they use for safety, like in paper gold or paper silver, actually shot up 10, 20% in 2020.
And that was just a safe bucket. And so these portfolios did extremely well. Now, I know you guys don’t like paper gold or silver, but you need somebody to trade the markets, period. And that’s what yellow money is. It is just a bucket of money that you’re okay with trading. There’s no physical gold here. There’s no guarantees here. This is 100% liquid. It is costly. It’s anywhere from 1 to 2% annually. There’s no trading commissions, there’s no, none of that. They just take a fee every single month. You divide their 1.95 fee divided by 12, and that’s what you get billed every single month on a 15th.
Typically, historically, that’s what they do. And you don’t write a check to anybody. It’s just they have your interest at heart. They, they grow, they want to grow your accounts. If you lose money, they’re losing with you. But what you have is an account that could trade and grow with you. Currently, right now, all of our tactical money managers are in treasuries making 4 or 5%. And we also even have a portfolio that just says Treasuries. Right now, short term treasuries making 4 to 5% a year get back into market if it ever get gets better.
We don’t even know. I Mean, we are America. We’ve been through situations like this. China’s getting stronger by the day. They’re building roads to connect Russia and. And then initiative, the Beltline initiative. They want to create this Panama Canal on steroids so they can completely drop us. But you know what? Trump said it best. We don’t need them. We freaking don’t need them. We’re Americans. We are dependent. Energy dependent, not energy independent. The reason why we’re giving everything away is because we all know that Biden sold his soul to China. They got dirt on him and he doesn’t want to get exposed, so he has to give up the farm.
These guys aren’t America first. They don’t have America at heart. So I believe in America. I don’t care what China. I don’t care what the bricks do. I don’t care what the banks do. I believe in America. I believe in our spirit. I believe in a red, white and blue. Those troops did not die in vain. I’d be damned if I go to my grave thinking that they believed in our country. We have to honor them. We have to support America. Growing up as a son of a drill sergeant in Fort Bragg, North Carolina, and Desert Storm, I had a lot of friends that literally, I was broke.
I was just. My heart was just torn. Every single year, I would. I’d create a good friend as a kid. We’ll play together, go to each other’s houses for dinner, play Nintendo, play sports, just get in trouble together, ride bikes, run into trees. Great backyard football memories. We would be blood brothers. And next thing you know, I would get another neighbor tell me, hey, remember Terry? His dad was at war and he passed away. And they gotta move. Every single year, I’ve had friends move, close friends, blood brother friends move. And I remember crying in school, crying and crying, crying.
And I didn’t understand. The C130s would just fly over my. My home and I would freak out because I thought I was at war. I mean, they were so loud and they were carrying tanks to go to Iraq. And I saw my dad pack his bags and I was freaking out. And I remember praying as a family, my parents. My parents were like, let’s. Pops is about to go to war. Pops about to go to war. And I remember almost losing my dad to war. I thought I was going to lose him. It was at that moment where I knew that we were powered by God.
God’s grace is so strong. Even when we’re spitting in his face, he still loves us. Even when people are chopping off their penises and saying they’re a girl and having a victim card. He still loves us. Even when we worship and have fun with an Easter bunny on the most sacred time of the message of the gospel of Jesus Christ, and we play with a stupid bunny, he still loves God. Just have mercy on us, Lord. I look at the financial aspect of things, guys, and this red, yellow, green money, it’s not perfect, but in my opinion, it’s the perfect solution for what’s going down right now.
I’ve lost money for clients sometimes. I haven’t been a hundred percent steward. I’m not perfect, but I would try my darnest to do the best I can for the client at all times. And it’s been tough. It’s been tough being in this whirlwind. You know, I was just a small advisor two or three years ago trying to do the best for all these people. And I’ve seen the 2008s, I’ve seen. I’ve seen the December 2000s, and I want to be here for you guys. I want to be a voice. And I don’t want to support the red money banksters.
I don’t want to. I’ve been disrespected so many times by the big banks. If you look me up. What’s crazy is, as a former stockbroker and a registered representative, I could only offer red money. And the moment that I even thought about the green money column, the red money broker dealers would tell me, hey, you can’t do that. Or if you can, then you got to pay us to do that. And so I would tell the broker dealer said, this is not a good fit. Like, well, we want your resident. We want your resignation. And by Friday.
I said, you don’t have to wait for Friday. Here it is. Did that 14 times in 16 years. So to the comments of saying, hey, this guy doesn’t know what he’s talking about. This guy is so unstable. Blah, blah, blah. You don’t know the story, homie. You don’t know the story. And all the trolls that are on the podcast, you look stupid. You absolutely look stupid because you’re a troll. And honestly, I like all the haters, too, and you guys inspire me as well. So I say all that because red, yellow, and green is a great approach.
So I want you to look at your portfolio. Look at your portfolio and have an honest conversation to yourself. What color is my money? Is it red? Is it yellow? Is it green? And then give us a call, let us know Your answer Or if you want to get in the green money bucket or yellow money bucket, give us a call. 813-448-3446 again, 813-444-83446 or visit us@cortez WM.com and as you guys know, I love our country. We gotta pray for our country. Yes. China, Brazil, Russia, India and China, South Africa. They want to go against us.
This is why I want you to support American companies. American companies where you buy your hand sanitizers, your deodorants, your detergents, your house cleaners, like what is their mission statement? When you go to Target Walmart, like what is their mission statement? Why don’t you do business with a company that actually has a mission statement that keeps God, country and family first. If you want to take control of your household and buy American, buy American products from Switch My Products USA.com It’s a self sponsor of this show and I personally can vouch for it because I love their stinking products.
It’s amazing knowing that my home is literally toxic free from the home fragrances to the cleaners, to the soaps I’m using to the shaving cream that I’m using. Pretty amazing stuff. I feel good knowing that I’m supporting an American company that has God, country and family at its heart. So if that’s you go to switchmyproductsusa.com will love to personally send you a link. My team will personally love send you a link and it’s really that simple. You, you buy, you buy your stuff from these woke companies anyway. You might as well buy it from a company that loves the same thing that you do.
So with that being said guys, I hope you enjoy this podcast. I’m actually going to marriage retreat this week so pray for me, pray for me. I’m not going to have my phone all week. I’m going to be giving that time to my wife and not restoring a marriage but refining, refining it, going it through a refinery process. Sorry, stuttering there. With that being said, God bless you guys. And real quick, before I forget James 1:5 if you of any lack wisdom, let him ask God who gives you generosity to without re approach and it will be given to Him.
Proverbs 3, 5:6 Trust in the Lord with all your heart and do not lean unto your understanding. In all your ways acknowledge him and he will make your straight you make straight your paths. So we have to trust God. He will straighten out your path is what it’s saying. Psalms 147:11. The Lord delights in those who fear him, who put their hope in his unfailing love. So let’s ask God for wisdom. Pray about this process. Let it use your spirit of discernment. Use your discernment to see if it’s right for you. Then give us a call.
We are here. We’ve been doing this for a while. We’re not a good fit for everybody. But we wanna, we wanna do business with, with God fearing patriots. Okay guys, I’m out of here. This time for real. God bless. Bye.
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