Program Philosophy
Where Earners Become Stewards of Capital
Most agents work incredibly hard. They generate income, serve clients, and build their businesses with dedication. Yet despite earning well, many still feel financially reactive—uncertain about their true financial position, unclear about their path to real wealth, and missing the systems that turn income into lasting net worth.
The challenge isn't effort. It's structure. Income without intentional systems creates stress, confusion, and missed opportunity. You can't build wealth on willpower alone.
Wealth Builder Lab exists for agents ready to shift their identity from earner to steward. This is a room for leaders who understand that financial clarity, consistent tracking, and installed habits create the foundation for everything else.
This isn't about earning more before you start. It's about building the awareness, systems, and mindset that allow you to lead yourself financially—starting exactly where you are.
"This is the room I've been missing. A place where I can finally take ownership of my financial life with the support and accountability I need."
Leadership & Coaching
Direct Access to Proven Leadership
Experienced Leadership
Get direct access to Hiram who has coached hundreds of agents to stronger financial habits and clearer decision-making. This guidance comes from real experience, not theory.
Proven Track Record
Built and led a team with nearly 20 six-figure earners, demonstrating that these principles scale and produce real results across different situations and personalities.
Lived Experience
Over a decade of financial education and wealth strategy, including personal application—going from negative net worth to seven figures using the same systems taught in this Lab.
This Lab is led by someone who has walked the path, lived the lessons, and continues to practice what is taught.
The goal is not to impress—it's to shorten the learning curve for those who are ready. These systems aren't theoretical. They're the daily practices of someone who has built wealth intentionally and helped others do the same.
Investment & Commitment
A Commitment to Your Own Follow-Through
1
$197
One-Time Investment
For the complete 4-month program. No monthly payments. No hidden fees. No upsells inside the Lab.
2
What This Represents
This is not a fee for information. It is a commitment to your own follow-through. The $197 investment exists to create ownership, consistency, and seriousness.
3
Why It Matters
People who invest show up differently—and get different results. When you have skin in the game, you participate with intention. You do the work. You track. You engage.
If you participate fully, this investment should pay for itself many times over in clarity, confidence, and financial progress. You're not just buying access to calls—you're investing in a shift in how you see yourself and your money.
This commitment also includes direct access to a proven leader who has built wealth personally, coached hundreds of agents, and scaled a team of high earners using the same principles taught inside the Lab.
What This Is / What This Is NOT
This IS:
1
A Net Worth Accountability Environment
Where you measure, track, and own your financial position with clarity and consistency.
2
A Coaching + Mastermind Room
Direct guidance from experienced leadership combined with peer accountability from serious participants.
3
Systems-Focused and Practical
Real tools, real tracking, real habits. Nothing theoretical. Everything implementable immediately.
4
Private, Respectful, Judgment-Free
Your numbers stay with the coach. Progress is measured, not position. No shame—only data and growth.
This is NOT:
1
A Budgeting Class
This isn't about penny-pinching or cutting lattes. It's about net worth leadership and wealth systems.
2
A Flex or Comparison Room
We don't celebrate who has the most. We celebrate who makes the most progress and implements consistently.
3
Passive or Optional Participation
This requires showing up, tracking, engaging, and doing the work. Observers don't belong here.
4
A Get-Rich-Quick Program
Wealth is built through awareness, systems, and time. This is for people committed to the real path.
Eligibility
Standards Protect the Culture and Results
This program is open enrollment, but not open access. To ensure the right environment for growth and accountability, all participants must meet these standards:
Licensed Financial Services Agent
You must hold an active license to sell financial products and services.
Associate Contract or Higher
You must be at 35% contract level or above, demonstrating a baseline commitment to the business.
Minimum Production Standard
You must have earned at least $5,000 in income with our company, showing you're actively building your practice.
Active Client Status
You must be an active client of the company, meaning you use and believe in the products you recommend.
These requirements ensure every participant has the experience, commitment, and context to benefit fully from the Lab. They also protect the integrity and culture of the room.
Program Structure
How Wealth Builder Lab Works
1
4-Month Duration
A focused, immersive experience designed to install lasting habits and systems over 16 weeks.
2
Monthly Live Coaching Calls
60-90 minute group coaching sessions each month with clear agendas, teaching, and Q&A time.
3
Biweekly Accountability Check-Ins
Regular touchpoints to track progress, address obstacles, and maintain momentum between calls.
4
Private Number Sharing
All financial numbers are shared directly with the coach only—never publicly. Your privacy is protected.
5
Spouse/Partner Inclusion
Partners are encouraged to participate. Financial transformation works best when households are aligned. One submission per household.
Core Values
The Rules of the Room
These six principles create the culture that makes transformation possible. They're not suggestions—they're the foundation.
We Measure Progress, Not Position
Where you start doesn't matter. What matters is that you're moving forward with intention.
Awareness Beats Perfection
You don't need perfect numbers. You need honest ones. Clarity creates change.
This Is Not a Flex Room
We celebrate implementation, not income. Progress over posturing. Always.
No Shame—Only Data
Your numbers tell a story, not define your worth. We work with reality, not judgment.
Numbers Stay With the Coach
Your financial information is private. You'll never be asked to share publicly.
Participation Is the Price of Admission
You must track, engage, and do the work. Observers don't belong in this room.
Curriculum
Your 4-Month Transformation Journey
Each month builds on the last, creating a comprehensive system for net worth leadership. This isn't random content—it's a carefully designed progression.
Month 1
Net Worth Awareness & Identity
Learn to track your net worth accurately. Shift your identity from earner to wealth builder. Understand the difference between income and actual wealth.
Month 2
Cash Flow & Control
Install systems that create margin. Learn to save 10-25% consistently. Master the mechanics of cash flow that build net worth over time.
Month 3
FIN # & Wealth Vision
Calculate your Financial Independence Number. Get crystal clear on your long-term vision. Make decisions based on where you're going, not just where you are.
Month 4
Protection & Preservation & More
Build your emergency fund properly. Understand DIME coverage. Protect what you've built so it can continue growing without vulnerability.
Exclusive Opportunity
Inner Circle: Wealth Builder Collective
For members who demonstrate exceptional consistency, implementation, healthy savings habits, FIN # clarity, and coachability, there is a next level.
The Wealth Builder Collective is an invite-only inner circle for graduates who have proven they're serious about long-term wealth leadership. This is not something you purchase. It's something you earn through your actions, results, and character inside the Lab.
Membership is extended personally by the coach based on your demonstrated commitment to the principles and your consistent application of the systems. This level represents ongoing accountability, deeper strategy, and community with other proven wealth builders.
This is earned, not purchased. Focus on your 4-month journey first. If you show up, do the work, and embody the standards, the Collective may become your next chapter.
Why This Works
Lived Experience
This isn't theory from a textbook. These are systems used personally to go from negative net worth to seven figures—and refined through coaching hundreds of agents.
Installed Systems
You don't leave with ideas. You leave with working systems, tracking habits, and installed behaviors that continue producing results long after the Lab ends.
Real Accountability
Accountability from someone who has done it, combined with the commitment of peers who are equally serious, creates an environment where change is inevitable.
"These aren't untested theories. They're the daily practices of someone who built wealth intentionally and helped others do the same. You're getting a proven path, not an experiment."