Podcast Summary — M19 with Tyler Ostrovsky 🎙️⛳

Episode at a glance

• Host: Javi Chavez
• Guest: Tyler Ostrovsky — former touring pro (PGA Tour Latin America, PGA Tour Canada, mini-tours), now founder of 19HoleFinancial (life insurance / advanced strategies).
• Tone: Golf + business crossover; life story, career transition, and wealth-protection strategies.

Key Personal / Career Points

• Tyler played professional golf from 2011 through COVID: PGA Tour Latin America, PGA Tour Canada, and mini-tours (~8 years on mini-tour circuit).
• Typical good year on tour: breaking even. Estimated annual expenses: $40–50k (conservative); at higher competition levels costs can approach $100k.
• Favorite courses/trips: Cabot Links/Cliffs (Nova Scotia), Pebble Beach, Pinehurst, Bandon Dunes, events in Mexico & Peru.
• Memorable peers: played with/alongside players like J.J. Spaun and Jake Knapp.

Career Transition → Financial Planning & Life Insurance

• While touring, Tyler held a real estate license and did side deals to fund golf.
• Transitioned into financial planning and specialized in life insurance, particularly advanced strategies:
  • Permanent life insurance
  • Premium financing (using bank leverage to fund policies)
  • Tax-mitigation and generational wealth-transfer strategies
• Has been in the life-insurance/financial space for ~6 years and runs 19HoleFinancial.

When Life Insurance Makes Strategic Sense 💡

• Everyone should at least consider term life if others depend on your income (mortgage, liabilities).
• Permanent life strategies become particularly relevant at higher net worth levels:
  • ~$5M net worth: begin evaluating permanent strategies for tax-sheltering growth and leverage opportunities.
  • >$30M: estate tax planning and using bank funding to manage estate tax liabilities.
• Permanent policies: not a high-return growth vehicle like crypto/stock/real estate, but useful for protection, tax-efficient transfer, and leveraging bank financing for large death benefits.

Business & Networking via Golf

• Tyler leverages golf as relationship capital — building network, client introductions, and deal flow through M19 and local golf groups (SoCal).
• Involved in deals including large (“nine-figure”) death benefit policies for high-net-worth clients.
• Prefers being hands-on with strategy & implementation vs. recruiting/large team management (operates solo for flexibility).

Practical Takeaways / How to Act (if you’re interested)

• If you have dependents or liabilities: get term life to cover immediate protection.
• If your net worth approaches ~$5M+, consult an advisor about permanent life insurance and premium-financing strategies to:
  • Shelter inside-policy growth from income tax
  • Create leveraged, income-tax-free death benefits for beneficiaries
• If you’re ~$30M+, involve estate-tax-aware strategies (trusts + funded life insurance structures) possibly using bank leverage.
• To connect: Tyler — Instagram @19HoleFinancial, LinkedIn, or website 19HoleFinancial (no “th”) to book a call.

Personal insights & values

• Golf taught consistency, process, and using the course as relationship leverage.
• Tyler’s personal values: family-first, honesty, being a good/fun person — wants to be remembered as genuine and family-oriented.

Quick Links / Contact

• Instagram: @19HoleFinancial 📸
• Website: 19HoleFinancial (no “th”) 🌐
• LinkedIn — search Tyler Ostrovsky

Memorable quotes

• “A good year for us was breaking even.”
• “Once you get to a certain net worth—about $5M—you start having exposures where permanent strategies make sense.”
• “Golf is a precursor of life — everything relates back to it.”

If you want, I can extract timestamps, create a one-page action checklist for high-net-worth life insurance planning, or pull quotes for social posts.