How the Ultra-Wealthy Actually Invest (It's Not 60/40)

Why do the ultra-wealthy ignore the traditional 60/40 portfolio? Tad Fallows, founder of a high-net-worth community, reveals that his members hold almost zero bonds and use portfolio lines of credit instead of keeping cash reserves. In this interview, he breaks down the actual asset allocation strategies used by those with $5M-$100M+ net worths, including why they prioritize private equity and real estate over public bonds. Tad also explains why whole life insurance is almost never a good investment , the difference between revocable and irrevocable trusts for estate planning , and sophisticated tax strategies for selling concentrated stock positions—like Exchange Funds and Direct Indexing—without triggering a massive tax bill. Check out the company: https://longangle.com

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🕒 CHAPTERS

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00:00 - Sudden Wealth: Why You Don't Need a Wealth Manager Yet

02:55 - High Net Worth Insurance (Umbrella & Carriers)

05:54 - Stop Buying Whole Life Insurance

08:33 - Estate Planning: Revocable vs. Irrevocable Trusts

11:25 - Are Offshore Trusts (Cook Islands) Worth the Risk?

14:46 - Asset Allocation: Why the Wealthy Don't Own Bonds

17:26 - The "Portfolio Line of Credit" Strategy (No Cash Drag)

20:23 - Private Equity vs. Public Markets

25:46 - How to Sell Concentrated Stock Without Taxes (Exchange Funds)

27:51 - Using Direct Indexing for Tax Loss Harvesting

29:16 - The 12-Month "Cooling Off" Rule for Windfalls

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