Podcast Summary — M19 with Tyler Rashski 🎙️⛳️

Episode Snapshot

• Host: Javi Chavez (M19 podcast)
• Guest: Tyler Rashski — former touring pro (PGA Latin America, PGA Canada, mini-tours) turned life insurance / financial strategist (founder of 19thole Financial)
• Tone: Conversational — golf, touring life, transition to life insurance, high-net-worth planning, M19 mastermind

Key Topics Covered

• Touring golf career

  • Played PGA Tour Latin America, PGA Tour Canada, and mini tours for ~8 years (graduated 2011).
  • Typical annual expense as a touring pro: $40k–$50k (conservative); up to ~$100k at higher levels.
  • A “good year” often meant breaking even.
  • Memorable courses: Cabot Links / Cabot Cliffs (Nova Scotia), Pebble Beach, Pinehurst, Bandon Dunes, Peru, Mexico.
  • Touring takeaways: consistency, daily practice, leveraging golf relationships for business, and the difficulty/subjectivity-free nature of golf competition.

• Transition to life insurance / finance

  • Side hustles during tour: real estate license and deals to fund golf career.
  • Moved into financial planning ~6 years ago; specialized in permanent life insurance, premium financing, and tax strategies.
  • Built business: 19thole Financial — combining golf and financial planning content.

• Life insurance insights (strategic/high-net-worth use)

  • Two sides of industry:
    • Boiler-room/term sales (mass-market protection).
    • Strategic/permanent policies for wealth protection and tax planning.
  • Recommended evaluation threshold: ~$5M net worth — consider permanent strategies to shelter growth and enable tax-free wealth transfer.
  • Leverage strategies: premium financing — using bank financing to fund large death benefit policies (similar to leveraged real estate).
  • For very large estates (e.g., >$30M) use strategies to address estate taxes and preserve generational wealth.
  • Everyone with dependents/liabilities should at least have term coverage.

• Business & networking via golf / M19 Mastermind

  • M19: golf mastermind for entrepreneurs (7+ figures), organizes bucket-list trips (Pebble, Pinehurst, Bandon, Payne’s Valley).
  • Tyler leveraged M19 connections to grow network, meet peers, and source business (e.g., working on nine-figure death benefit opportunities).
  • Regular meetups: local groups (SoCal example), monthly play with members, quarterly larger meetups/trips.
  • Family-friendly trip considerations discussed (some trips are golf-only, others kid-friendly).

• Working style & future plans

  • Tyler currently operates solo, focused on strategy and implementation rather than recruiting/building a team.
  • Active on social media to merge golf + finance content; building network and client base.
  • Open to evolving business structure in future.

Practical Takeaways / Actionable Advice ✅

• If net worth ≥ ~$5M, evaluate permanent life insurance and premium financing for tax-advantaged growth and generational transfer.
• If net worth ≥ ~$30M, consider advanced strategies to cover estate taxes (leveraging bank capital + policies).
• Everyone with liabilities/dependents should carry term life insurance as basic protection.
• Use personal passions (like golf) as relationship-building leverage for business development.

Notable Quotes

• “A good year for us was breaking even.” — on mini/mini-tour finances
• “Once you get to a certain net worth… you start having exposures to different types of caps and where you can put your money.” — re: need for permanent strategies
• “Golf is very much a precursor of life.” — on transferable lessons from touring to business

Where to Find Tyler Rashski

• Instagram / social: @19tholeFinancial
• LinkedIn
• Website: 19holeFinancial (book a call / contact)

Personal / Human Notes ❤️

• Values: family-first, honesty, being a genuinely good person.
• Favorite legacy line: wants people to remember he was “a good person, fun to be around, honest, and a good family guy.”

If you want, I can:

• Extract time-stamped highlights for quick clipping. ✂️
• Create social post drafts from key quotes. 📝