E:50 Unlocking the Secrets of Premium Finance with Charles Heinzelman with C4 Financial Partners
In this episode of Alt Investing Made Easy, Charles Heinzelman discusses premium finance, its benefits for high net worth individuals, and the importance of tax planning. He shares insights on networking, compliance in finance, and lessons learned from the financial crisis. Charles emphasizes the significance of personal philosophy in professional growth and reflects on his journey from attorney to finance professional, highlighting the value of helping others in the industry.
About Our Guest: Charles Heinzelman, CEO & Founder, C4 Financial Partners
Charles Heinzelman is a tax planning and premium finance specialist serving high net worth individuals. With 16+ years as CEO of C4 Financial Partners, he helps clients grow assets through tax-advantaged strategies.
Background:
- Former compliance officer at Transamerica/InterSecurities
- Licensed attorney (Ohio and Arizona bars)
- Multiple securities licenses for supervision and advisory services
- Specializes in premium finance for clients with $250k+ income and $5M+ net worth
About Premium Finance:
- Uses bank financing with participating whole life insurance
- Creates tax-deductible interest payments while building tax-deferred assets
- Available to qualified high net worth individuals for estate and tax planning
Network in Action Austin:
- Founder and leader of Austin's technology-based networking organization
- Combines traditional networking with mastermind components
- Focus on B2B relationship building and revenue generation
Philosophy: "If you want to go fast, go alone. If you want to go far, go with others."
Contact: LinkedIn: linkedin.com/in/benefitingyou
Takeaways
- Premium finance is a method for high net worth individuals to finance their retirement using bank loans.
- Tax planning is crucial for maximizing financial efficiency and leveraging available structures.
- Networking is essential for building relationships and driving revenue in business.
- Compliance is critical in finance to ensure legal adherence and protect clients.
- Documentation is key to avoiding legal issues and maintaining accountability.
- Learning from past financial crises can inform better decision-making in the future.
- Personal philosophy plays a significant role in professional success and growth.
- Transitioning from law to finance can provide unique insights and advantages.
- Helping others is a core value that drives success in the finance industry.
- Building wealth requires understanding and utilizing various financial strategies.
Chapters
00:00 Introduction to Premium Finance
02:36 Understanding Premium Finance and Its Benefits
05:25 The Importance of Tax Planning
08:00 Networking in Action: Building Connections
11:16 The Role of Compliance in Finance
13:52 Lessons from the Financial Crisis
16:41 Personal Philosophy and Professional Growth
19:31 The Journey of an Attorney to Finance
22:10 Conclusion and Final Thoughts
Sponsored by:
Real Advisers, Austin, Texas
Real Advisers, Austin, Texas
Video and Podcast Production by:
Red Sun Creative, Austin, Texas: https://redsuncreative.studio
For more information: AltInvestingMadeEasy.com
Please contact us: info@AltIvestingMadeEasy.com
Roland Wiederanders: rolandw@fbfk.law
Sarah Florer: sflorer@fbfk.law
Disclaimers:
“This production is for educational purposes only and is not intended as investment or legal advice.”
“The hosts of this podcast practice law with the law firm, Ferguson Braswell Fraser Kubasta PC; however, the views expressed on this podcast are solely those of the hosts and their guests, and not those of Ferguson Braswell Fraser Kubasta PC.”
© 2025 AltInvestingMade Easy.com LLC All rights reserved
Creators and Guests
Host
Roland Wiederaenders
Co-founder of the Alt Investing Made Easy podcast, investment advisor, and corporate securities attorney with expertise in private investment funds, corporate/securities issues, mergers and acquisitions, partnership structuring, and federal income tax matters. Roland is also a member of Grable Martin PLLC.
Host
Sarah Florer
Co-founder of the Alt Investing Made Easy podcast, investment advisor, and corporate attorney with expertise in corporate finance and securities, structuring and restructuring, and commercial matters. Sarah is also a member of Grable Martin PLLC.
Producer
Anthony Carrano
Co-founder of the Alt Investing Made Easy podcast, fractional Chief Marketing Officer, entrepreneur, and Managing Partner at Dunamis Marketing.
