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SHOP 5/420 SECRET HABOUR BOULEVARD, WA 6173, PERTH, AUSTRALIA
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Can you imagine the terror on Cornelius Vanderbilt’s face if he had known that his Manhattan house would be demolished just 50 years after his death due to his heirs running out of money?
In the 1800s, the man amassed a personal fortune exceeding $100 million! That is among the richest fortunes ever witnessed by humanity.
However, it didn’t even provide for his successors for two generations.
The Rockefellers, Vanderbilt’s rivals who amassed an even greater fortune in the same period, continue to support over 150 family members through their family office, donate up to $50 million annually to charitable causes, and are thought to be worth over $10 billion.
Even though many of us won’t become as wealthy as the Vanderbilts, we still want the Rockefellers to be the model for our legacy.
Beyond that, you want to spend the last years of your life with a sense of fulfilment and tranquillity, having accomplished all the things on your bucket list. with plenty of money in the bank.
And knowing that you have not only led a complete life but also that you are still able to “live wealthy.”
Everybody wants the next generation to perform better than they did.
However, the majority of people only think about their fortune and leaving a lasting financial legacy. But what about the morals and knowledge of your family?
Wouldn’t it be great to pass on the things you’ve learned through the years that have helped you become the finest version of yourself?
Whether you’re just starting out in your career, nearing retirement, or living the “ever after,” the topics we’re going to discuss may include some of the most important knowledge you’ll come across in your financial path.
Since this is all about “securing” your empire and the arrangements you can make now to not only leave a lasting legacy that will make people smile when they look back on you but also to create a “living legacy” that, when you consider your future, brings YOU joy.
Now let’s get going.
#1: “Living Rich” Up Until Your Death
From rising healthcare and living expenses due to inflation to managing and making prudent investments with your assets and portfolio to protect and increase your wealth… When it comes to what most people consider to be their “retirement,” there are several things to consider.
The truth is that you need to feel confident and at ease that you will have a high quality of life for the remainder of your days—living where you want to live, experiencing the things you want to have, cherishing those unique moments with loved ones, and never having to worry about running out of money—in order to truly plan for your legacy and estate after you’re gone.
So let’s speak about investing first.
It’s not about “what” kind of investments you should make. We are frequently asked that question, to which we usually reply, “It depends on your investor DNA.” This encompasses your distinct expertise, abilities, and life circumstances, naturally.
Nonetheless, there are tenets that might help you succeed as well as steer clear of costly errors.
For example, our approach is to concentrate on cash flow,not accumulation, as so many so-called experts advise you to concentrate on.
Focusing only on accumulation has the drawback of encouraging a “one day, someday” mentality, which can result in frugal spending, careful saving, and a lack of true enjoyment of life. or not “living wealthy,” as we put it.
It may even lead to decisions that are more akin to gambling than investing. Everyone has heard tales of large-scale winners who placed “bets” on equities or cryptocurrency. Similar to gambling, while some people win, many others lose.
You can know what you have coming in each month when you manage your portfolio with an emphasis on cash flow. You can set aside money for other purposes, such as fulfilling dreams or supporting organisations close to your heart!
If your attention is on cash flow, you are investing rather than gambling. because you are aware of the monthly profit your money generates for you.
It goes without saying that there is far more to this than we could possibly discuss in one post. To help you avoid costly mistakes and learn the seven keys to successful investment, we’ve put together a resource on leaving a Legacy Book
2. What Does “Making It Count” Mean to You?
We consider the “big questions” more and more as we age.
The traditional retirement narrative involved putting in 40 years of hard work, saving up for retirement, and then taking a break to pursue your passions. Play golf, take trips, eat fancy meals—enjoy the finer things in life to the fullest.
Nonetheless, there have been a number of intriguing studies, one of which revealed that retiring after 65 actually increases your chances of living a longer life (HBR article).
Why?
We discuss rethinking retirement and leading an affluent life that you genuinely fall in love with here at Wealth Factory. A retirement from the things you detest rather than from the pursuit of meaningful work. It’s a failed experiment to keep putting off enjoying life until “one day” when you retire.
This relates to the idea of “ikigai” in Japanese culture, which is a passion that adds meaning and happiness to life. It has become more well-known all around the world, particularly with the publication of the book Blue Zones, which highlights the Okinawa Islands in Japan, where people live far longer than average lives.
Life is made worthwhile by Ikigai.
Retirement is redefined to focus more on “doing more of what you love” rather than “stopping” doing things. to really put it to use.
How does that appear to you, then?
If finances were not a concern, how would you proceed?
When you were younger, how did you see your life unfolding? What was it you wished to encounter? And how can you envision a vibrant future in which you live a long, healthy life and fully utilise your “one life”?
You are here if you expect to read about leaving a lasting legacy after you pass away. This is an essential component of it. Because how well you lived truly matters more than money when it comes to motivating and providing for your children and grandchildren when you are gone.
#3: With a well-structured trust, steer clear of the three biggest destroyers of wealth.
Our members frequently ask us questions regarding the first steps in creating a trust. What to concentrate on, who can assist, and how much it will cost.
Thus, even if we’ve included a free resource on this topic at the bottom of the post, you need first to become aware of the threats that a trust can shield you from. Let’s face it, there are three major factors that can destroy wealth: division, litigation, and taxation.
Without a doubt, creating trust is one of the finest methods to “secure” your empire, if that is your true goal.
Let’s start with taxes. They’re unpopular, yet they’re unavoidable in life.
Since a trust enables you to systematically arrange assets to minimise the amount liable to estate taxes following your death, it can be quite beneficial in minimising taxes. If you have assets that you anticipate appreciating in value over time, such as real estate, you may want to consider looking into gifting them into a trust. However, doing so eliminates the trust’s ability to benefit from future growth.
Lawsuits follow. Our culture is rife with lawsuits. Lawsuits can quickly deplete your finances, whether they are related to a personal or corporate conflict. Your assets can be shielded from any legal disputes with the help of a trust.
Division is the last step. It involves more than just asset division math; it also involves the possibility of conflict and the depletion of wealth. A trust can support your family’s ideals and objectives long after you are gone by ensuring that what you have built is used as you desire.
A trust is a means to transmit the knowledge, customs, and teachings that are significant to you; it’s not merely a financial tactic. It’s about ensuring that your legacy extends beyond material prosperity and includes giving your loved ones the tools they need to carry on the work you started—which brings us to our next topic.
#4: The Family Legacy’s Three Rings
The goal of leaving a family legacy is to instill your beliefs, customs, knowledge, and life lessons in your ancestors’ DNA. laying the groundwork for your heirs’ future prosperity.
The essence of who we are and how we may continue to lead our loved ones even when we are not physically present are more important than the possessions we leave behind.
To do this, we utilise three crucial elements, or “rings”: Three essential elements are involved in creating a lasting legacy: the family office, the family retreat, and the family constitution.
A family constitution isn’t like any other kind of legal agreement. Consider it more of a love letter to the future, a means of imparting your life’s principles, goals, and insights. This is the section where you express your values and aspirations for your future generations. Future generations will be able to draw strength and guidance from its constitution.
One of our members’ favourite and most meaningful traditions is the Family Retreat. Imagine getting your loved ones together in a fun setting, such as a family cabin, to celebrate successes, discuss morals, and figure out how to help each other achieve our goals.
The Family Office, which focuses on wealth management and preservation, is the final representation of the pragmatic side of your heritage. But teaching your heirs a sense of stewardship and duty towards wealth is more important than simply math and financial tactics. The Family Office makes sure that your legacy is not only preserved but thrives by including them in decision-making, educating them on financial concerns, and building a structure that promotes the family’s individual and collective goals.
When combined, these three rings offer a comprehensive strategy for establishing a legacy that combines financial acumen with emotional discernment. They enable you to leave a morally rich legacy that sets up the next generation for success and real “living wealthy.”
I have known Charles Vincent Kauwasha for many long years now since we first met in Accident and Emergency department of Hutt Hospital Lower Hutt New Zealand, where he was an emergency nurse. I had a problem with my heart and very quickly learnt to trust him with my life! we got talking about our businesses and exchanged contact details. Charles has been a loyal friend and business contact here and on whatsapp etc ever since that time, even after he moved from New Zealand to Australia. Charles is a very honest, loyal and trustworthy person, both in business and as a friend. I highly recommend Charles as a safe person to know and do business with.
Charles has provided me with many – free but easy to use marketing tools. If you are new to affiliate marketing – Charles is the best person to go to
With his humble beginnings overseas, Charles would be a perfect mentor for someone feeling trapped with not much to look forward to in future. Listen to his story and be amazed and inspired… starting with nothing to where he is! He will teach you about the power of perseverance. Well done Charles
A unique and profound CEO I have seen in our times, I have seen the calibre in Charles. Charles has a performing influence drive from his desires to do work in an extraordinary way. Charles is adeliver, you will not regret working on projects with him
I Studied with Vincent Kaluwasha during this programme. A highly skilled and knowledgeable individual. Passionate about Occupational Health and would suitably work in the is capacity anywhere in the world”.
JACOB JOSEPH SAKALA-NURSE CONSULTANT
Charles is a man with a great deal of integrity and takes pride in his work
I’ve known Charles for many years and every encounter has been a happy one….he has a wonderful attitude towards life. He is a man of integrity
C J Investiment helped me to secure my first investment with couple of weeks. I will recommend their services to anyone looking for best investment in any city or country
I have seen how Charles has evolved from nothing to setting up a real estate portfolio with determination -Jessica McDade He is a man of integrity and passion who leaves a stone unturned!
All the developers of D5 Creation have come from the disadvantaged part or group of the society. All have established themselves after a long and hard struggle in their life
Thanks to you Charles, we can be there when the worst happens to give people the emergency medical care they need – and rapid transport to hospital. Your support means that CareFlight can fly at a few minutes’ notice, to some of the most inhospitable places in this country. It means patients like Simon can be reached quickly with hospital-level emergency care at the scene – and in cases like Simon’s every minute counts.
On behalf of everyone at CareFlight, thank you for your generosity – and have a wonderful holiday season. Thank you so much
Dear CVK, Awesome, a huge thank you for your prompt response!!! I feel blessed to know you.I love your inspiring video and I have learnt a lot from your nicely arranged presentation. I can’t remember the question I paused to you myself but it feels like whatever it was I asked you has been effectively dealt with in your powerful video. By the way, I strongly feel you can make a good mentor of mine considering the massive education and experience you have acquired through the years. Let me know if you can do this for me because I firmly believe there is a purpose why God brings certain people into our lives which is to help us achieve our fullest potential and arrive at our God-given destiny. Remain blessed forevermore in Jesus mighty name, Amena!!! By the way, many thanks for your quick encouraging feedback and for the free book offer on how to attract people to my biz.Will study the book ASAP and I should be able to implement what I will learn and will see where that will take me. I am looking forward to a rewarding interaction between the two of us. Once again, thank you for your non-wavering support and encouragement you have rendered to me over the years. I thought you had given up on me and forgotten about me since I appeared to be wasting your time. I am still interested in salvaging my life and do something new and big because I am tired and sick of living a mediocre kind of life. Please help me if you can by God’s grace. Have a blessed day my Brotherman
Charles, right now, a lot of people in this country are saying, “Thank you.”Thank you for being there when they needed help most. Thank you for taking charge when their world was turning upside down. Thank you for giving them confidence, when they were afraid and needed life-saving help. As a CareFlight Support Crew Member, you are making such a difference for so many people. Your regular donations help save lives and keep families together. Patients like Thomas, who told us, “You made it possible for me to survive.”And Agnes, who said, “I’m very grateful a service like CareFlight exists.”Below are some more messages of thanks: Thanks from the patients you help. As we head into another year, we know there will be even more people who will call on our services. So, I’d like to add my heartfelt thanks to those of our patients, for your steadfast support. Together we are ensuring CareFlight is always there for people when they call for our help. Whether it’s intubating a patient at the scene of an accident, or ensuring a newborn is safe on a flight from a remote area to a major hospital for treatment, our patients cannot speak highly enough of the care they receive. Charles, that care is part of a chain that starts with people like you. These expressions of gratitude, from all over the country and from all walks of life, show you how much your support is valued – and how much it is needed, more than ever. We can’t do what we do without you.
Dear Charles
If this year has taught us anything so far, it’s that none of us ever truly know what is around the corner.
That’s why I can’t thank you enough for your support that ensures we can continue to provide life-saving aeromedical care to Australians most in need.
Our CareFlight crews are in a unique position to understand what Australians have been going through. Every day, we care for people who have found their world shaken by a sudden accident or illness – coping with circumstances almost none expected to face when they woke up that morning.
People like Simon Bowman don’t like to rely on others for help. But one day, as he lay trapped inside his car after a terrible road accident, with suspected injuries to his spine and shoulder and a possible head trauma, Simon needed life-saving help desperately. CareFlight was there in a matter of minutes.
CareFlight’s rapid response helicopter service is so vital in situations like this. Our crew can be airborne in minutes and by the side of our patient, delivering hospital-level emergency care as fast as possible.
Simon doesn’t remember much about his accident, but he does recall the voices of the CareFlight crew as they worked urgently to treat his injuries. Simon told us: “I knew there was someone looking after me and that I was in good hands.”
Our mission is to deliver people the very best care. We’ve spearheaded international aeromedical innovations such as our stretcher bridge system and become the first civilian service to carry blood plasma to the scene of an accident.
The care, the state-of-the-art equipment, those voices which reassure patients that they are in the hands of skilled professionals they can trust – it’s all thanks to people like you.
Simon has recovered and recently visited our base to meet some of the crew. He has never forgotten the help he received from CareFlight, so meeting them again was an emotional experience.
Seeing the helicopter that transported him to hospital, he was amazed at its size. He confessed he’d never been that keen on helicopters, “but I was very keen that one was there that day.”
Your support for CareFlight is helping to save so many lives, like Simon’s.
Thank you so much.
HAPPY BIRTHDAY, CEO!! peacemaker, Shepherd, wise, intelligent, focused, hardworking, caring, loving, forgiving, Husband, Granddad and most importantly best Father Charles V. Kaluwasha
. We’ve been truly blessed to have you as our mentor and protector. We thank God for keeping you alive and healthy. Today we celebrate your 60th, a blessed milestone! Next, we count down to your 100th BIRTHDAY. WE LOVE YOU and pray we have you as our father in the next life- @Kendy Kaluwasha
Charles is a very intelligent individual and is very knowledgeable in regards to the Australian Real Estate market. We continue to work a long side each other and we will be for a very long time. He is a much needed asset to my business and growth of my business in the future.
Charles, is very knowledgeable about real estate and great person to connect with. He teaches what he has done himself.
My great sponsor, you inspired me a lot, you are really God sent, to make life better for me, I will not hide it from you, that I really have a little bit of financial contains, because all what I was saving for my travel I left 60%of the money to take care of my two children, to buy a bag of rice and different foods stuff. so here in Monrovia I don’t want to sit idle I just want to start some clothing business, so I am pleading what everything you help me with for the sake of God Almighty, God will surely triple it in return. Thanks sir and God bless you the great man one day you will be the richest man in Zambia, God bless you. I pray that the money will grow more than ten billion dollars. Amen sir, thank you sir, one day you will be a leader in Zambia, by the Grace of God, that my vision for you sir.
Thank you sir hope your work and business expand. Greatness is your portion on a daily basis. You inspire many to pursue their dream, so good to see you pave the way.
You are just not any other resource mwanta, but a creative, proactive and as sharp as a double-edged sword. I love the way you have put together connected opportunities available in our programme and the turning of light by the blind buddy. This is awesome, This is incredible!! https://www.entredevec.com/
Hello. How was the day? Mine was fine, and I was reading the testimonies people are presenting about you. You are great, and I want to learn from you. I am really impressed with your work, experience and expertise. Continue helping us.
The book Launch speech On 25 November, my co-authors and I had to present our speeches. One week later, this is what people had to say… Mwebantu…who has @Charles Kaluwasha speech at the book launch 😄 It was POWERFUL-Cranston I tell you, that was captivating I don’t think people remembered to press record. For the book am reading ba @Charles Kaluwasha story and while reading am imagining it being told just like the speech 😀. -Cranston I hope someone captured it; maybe check the zoom recording as well. He was on fire 🔥 🔥🔥🔥🔥 It was fun to listen to. –Cranston Personally, I can confess…after technical difficulties and having to personally meet and speak to the VIPs I invited…it was VERY refreshing to sit in the audience and just take in what you had to say. It was so good 😄-Cranston Yeah, he was on fire…I thought he was going to make a book launch altar call 😄. There was so much energy, and time was not our best ally; otherwise, we were going to spend a night there.- Paster Kennedy Phiri The story is also good, so authentic and inspiring. If I was not yet abroad, that is the story I would like to read. The speech made me want to read it first, despite being the last reading 📖.-Theresa D’Amaden
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Hi Charles, I hope this message finds you well. I have been inspired by your achievements as the Founder & CEO of CJI, a Real Estate Investor & Developer, as well as your status as a #1 Amazon Bestselling author. Your entrepreneurial skills and dedication to delivering exceptional results for over 10 years are truly commendable. As a mortgage broker, I understand the importance of having a strong network of professionals to support and empower success. I wanted to reach out and offer my assistance as well as explore potential collaboration opportunities with you. Whether you need assistance with home loan refinancing, business loans, or any other financial solutions, our team is here to help. We specialize in tailoring our services to meet the unique needs of busy professionals like yourself. With our expertise, we can provide the support you need to fuel your real estate ventures and continue your entrepreneurial journey. Additionally, I wanted to highlight our referral program. We believe in the power of collaboration and building strong relationships within the industry. If you come across any individuals or clients who could benefit from our services, we would be more than happy to assist them. Likewise, we would be glad to refer clients to you whenever there is an opportunity to leverage your exceptional entrepreneurial skills, coaching, and mentorship. I would love to have a quick chat with you to discuss how we can collaborate and support each other’s success. Looking forward to the opportunity to collaborate with you, Charles, and empower each other’s entrepreneurial journeys. Jay Menon www.jjmfinancespecialists.com.au
Congratulations partner on the 6th year anniversary of your hard work. Your ability to embrace open-mindedness, being passionate, having a sense of selflessness and fulfilment of life; with the greatest desire to impact others, are the greatest keys that have helped you to record such an amazing achievement.
