WHAT WE DO
The next ten years will reshape how money works. Digital currency, AGI-driven markets, quantum disruption to encryption, and an economy that rewards adaptation faster than any prior generation experienced. We help you position for it without betting the farm on it.
See what this means for you ↓Most advisors don't talk about crypto, AI, or quantum because they don't understand it, they're not licensed for it, or their compliance department won't let them. So millions of people are getting financial advice that assumes the next 10 years will look like the last 30. They won't.
That doesn't mean burning your retirement plan to chase Bitcoin. It means having a thoughtful, sized allocation to where the world is going — and a real conversation about what AGI does to wages, what digital currency does to banking, and what quantum computing does to current encryption-dependent assets.
We help clients think through:
This isn't day-trading. It's a small but deliberate allocation — typically 1–10% of investable assets — to the categories that may matter most over the next decade. Sized so you participate if it works, and you don't catastrophically lose if it doesn't.
"Most advisors are afraid of the new world. The right answer isn't to be afraid. It's to be prepared."
Enough to participate if these categories matter. Not enough to blow up the retirement plan if they don't.
Thoughtful conversations about what AGI, automation, and digital currency mean for your specific situation.
How to actually hold these assets safely, not just buy them.
Two ways to begin. Pick whichever feels right.
Built for what's next. Strategy for the world that's coming — not the one that's gone.
Disclosures
Smart Life Financial LLC is an independent insurance agency. Scott Borhauer, NPN 20016169.
Any references to guaranteed income, lifetime income, principal protection, or annuity benefits refer to insurance contracts. Guarantees are subject to the claims-paying ability of the issuing insurance company. Annuities are not bank deposits, not FDIC insured, not insured by any federal government agency, and may lose value in the case of early surrender. Product features, fees, surrender schedules, and income amounts vary by carrier, product, state, age, and issue date and are subject to change. No specific product is recommended on this page.
Any examples shown are hypothetical and for illustrative purposes only. They do not represent a quote, an offer, or the performance of any specific product. Individual results depend on your own circumstances.
This material is for informational purposes and does not constitute tax, legal, or investment advice. Rollovers, Roth conversions, required minimum distributions, and estate planning decisions carry tax and legal consequences. Consult a qualified tax professional and attorney regarding your specific situation.
Smart Life Financial LLC · 8530 Eagle Point Blvd, Suite 100, Lake Elmo, MN 55042 · (952) 592-3900