ATTENTION! EXISTING REAL ESTATE PARTNERS WITH HOME EQUITY:

 Increase Monthly Cash Flow With Our Brand New

HELOC BACKSTOP PROGRAM

 Increase Monthly Cash Flow With Our Brand New

HELOC BACKSTOP

 PROGRAM

Add Properties to Your Real Estate Portfolio
Limited Spots Available | Existing Partners Get Priority

 Increase Monthly Cash Flow With Our Brand New

HELOC BACKSTOP PROGRAM

 Increase Monthly Cash Flow With Our Brand New

HELOC BACKSTOP

 PROGRAM

Add Properties to Your Real Estate Portfolio
Limited Spots Available | Existing Partners Get Priority

If you’re like a lot of our partners, you tapped into your 401(k) or an IRA to begin your real estate journey with us. 

 And maybe you’d like to see your portfolio grow, with more homes and

increased cash flow every single month.

Remember, with our system, all it takes is 8 homes to generate $100K in passive income each year…

But does it feel too far out of reach?

The properties are there. But of course, you need the funds to invest.

So we developed the perfect solution for our partners.

In a lot of cases, people are sitting on one of the most powerful tools they haven’t fully used yet... Their home EQUITY. 
Remember, with our system, all it takes is 8 homes to generate $100K in passive income each year…

But does it feel too far out of reach?

The properties are there. But of course, you need the funds to invest. So we developed the perfect solution for our partners.

In a lot of cases, people are sitting on one of the most powerful tools they haven’t fully used yet... Their home EQUITY. 

FILL OUT THE FORM BELOW!

FILL OUT THE FORM BELOW!

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I agree to receive email, phone, and SMS communications from Uplife LLC regarding real estate opportunities, educational content, promotions, and related marketing.

MAKE THE MOST OF YOUR HOME EQUITY:

MAKE THE MOST OF YOUR HOME EQUITY:

“WAIT A MINUTE! I’M TRYING TO BUILD PASSIVE INCOME. I DON’T WANT TO COVER THE MONTHLY HELOC PAYMENT! THAT’S CRAZY, KRIS!”

Yes, I’ve seen that reaction before…which is exactly why we’ve created:
THE HELOC BACKSTOP PROGRAM
A Smarter Way To Use Your Equity
Here’s How It Works…

A HELOC (Home Equity Line of Credit) allows homeowners to borrow against the equity in their home.

Many real estate investors use HELOCs as down payments to buy investment properties.

But there’s one major problem that stops most people from doing it:

The Payment Risk

If you borrow $80,000 from a HELOC, your payment might be roughly $400 per month.

Most rental properties only produce $200–$300 per month in cash flow after expenses.

That means:
  • If the property sits vacant…
  • If repairs happen…
  • If tenants move out…
You could still be stuck paying that $400 HELOC payment every month.

And for most people…

That risk alone stops them from ever getting started.

The Solution: The HELOC Backstop Program

We created the HELOC Backstop Program to remove that fear.

Instead of traditional rentals, we convert properties into lease options.

Lease options are one of the most powerful strategies in real estate because they create multiple profit centers:
  • Option deposit from the tenant buyer
  • Higher monthly payments
  • Reduced maintenance costs
  • ​Reduced vacancy risk
Because of this structure, lease options typically produce around $1,000 per month in cash flow, compared to the $200–$300 typical rentals generate.

And that’s where the HELOC Backstop comes in.

If your HELOC payment is $400/month…

The lease option cash flow easily covers that payment, while still leaving meaningful cash flow in your pocket.

But we go one step further.
 We Backstop The Payment
With the HELOC Backstop Program, we guarantee that the HELOC payment gets covered, whether the property is leased yet or not.

That means you can move forward with confidence knowing the program is designed to protect the payment while your property gets placed with a tenant buyer.

RETIREMENT PLANNING

Retirement planning is the process of determining how much money you will need to save and invest in order to have a comfortable retirement and what steps you need to take to achieve that goal. It involves analyzing your current financial situation, including your savings, investments, and debt, and creating a plan to help you achieve your retirement goals.

Some key questions to consider when planning for retirement include:
  • When do you want to retire?
  • ​How much money do you want to have saved by the time you retire?
  • ​How much money will you need to maintain your current standard of living in retirement?
  • ​What sources of income will you have in retirement, such as Social Security, pensions, and investments?
  • ​What expenses do you expect to have in retirement, such as housing, healthcare, and leisure activities?
EPIC Financial Strategies take a far more customized approach to this planning than a typical cookie cutter plan. EPIC will show you how to incorporate the power of actuarial science coupled with your market based investments to create a substantially higher and more sustainable income stream.

WEALTH MANAGEMENT

The goal of wealth management is to help clients achieve financial security and stability over the long term. This may involve developing strategies to grow and preserve wealth, minimize taxes, and manage risk. Wealth management is a collaborative process that involves ongoing communication and review to ensure that a client's financial plan stays on track and continues to meet their changing needs and goals. It involves developing a comprehensive financial plan that takes into account an individual's or family's current financial situation, future goals, and risk tolerance. Wealth management typically includes a range of financial services, such as investment management, financial planning, tax planning, estate planning, and risk management.

Disability insurance

Disability income insurance, also known as disability insurance or income protection, is a type of insurance that provides financial protection in the event that you are unable to work due to a disability. 

There are two main types of disability income insurance: short-term disability insurance and long-term disability insurance. Short-term disability insurance provides coverage for a specific period of time, typically between three months and one year. Long-term disability insurance provides coverage for a longer period of time, often until the policyholder reaches retirement age.

EPIC can help you build an income replacement plan that minimally covers the essentials for you. For those looking for more robust protection EPIC can design a plan that can help you to meet your current obligations and maintain your standard of living. This is where understanding your full financial picture becomes so important.

group benefits

Group benefits are employee benefits that are provided to a group of employees. These benefits are often sponsored by an employer and may include health insurance, life insurance, disability insurance, retirement plans, and other types of coverage.

These can be voluntary benefits where the employee pays some cost and can chose to participate or not. There are also benefits that are given to the employee as part of their overall compensation.

Some common types of group benefits include:
  • Health insurance
  • ​Group Life insurance
  • ​Group Disability insurance
  • Retirement plans: Employers may offer retirement plans, such as 401(k) plans or pension plans, to help employees save for retirement.
  • Other types of group benefits may include dental insurance, vision insurance, flexible spending accounts, and employee assistance programs.
Employers may offer group benefits as a way to attract and retain employees, as well as to promote the health and well-being of their workforce. Group benefits can also provide tax advantages for both the employer and the employee.

college funding

College funding can be a significant financial undertaking, as the cost of higher education has been rising in recent years. There are several options available to help students and their families pay for college, including scholarships, grants, loans, and work-study programs.

One important aspect of college funding is planning ahead. It is a good idea to start thinking about how you will pay for college well before your child is ready to enroll. This will give you time to research your options and make a plan. Some steps you can take to plan for college funding include:
  • Researching financial aid options
  • Saving for college
  • Evaluating your budget
  • Considering alternative options
EPIC Financial Strategies can help you understand the options available for you as well as, how to best position your assets to minimize there impact on your Child’s FAFSA application. 
 3X The Cash Flow Potential
 3X The Cash Flow Potential
Over the last decade, our rental portfolio has averaged approximately:
60.6% Return on Investment
But traditional rentals only produced about:
3% Cash-on-Cash Returns
By converting those rentals into lease options, we can now target:
12% Cash-on-Cash Returns

That means:

Your cash flow can triple or even quadruple.

Instead of:

$200–$300 per month

You’re looking closer to:

$800–$1,000 per month per property

The 10-Year

Passive Income Game Plan

The real magic isn’t just one property. It’s what happens when you stack them together.

If you use a HELOC and retirement funds to start with two properties, here’s what the math can look like:

Step 1

Start with 2 lease option properties.

Each produces strong cash flow and appreciation.
 

Step 2 (Year 5)

Sell those two properties and trade up to four properties.

Now you’re producing roughly:
$50,000 per year in residual income.

Step 3 (Year 10)

Sell those four homes and trade up to eight homes.

Now you’re producing approximately:
$8,000+ per month
$100,000+ per year in passive income.

All starting from just two properties.

Step 1

Start with 2 lease option properties.

Each produces strong cash flow and appreciation.
 

Step 2 (Year 5)

Sell those two properties and trade up to four properties.

Now you’re producing roughly:
$50,000 per year in residual income.

Step 3 (Year 10)

Sell those four homes and trade up to eight homes.

Now you’re producing approximately:
$8,000+ per month
$100,000+ per year in passive income.

All starting from just two properties.

Why This Works So Well

 Right Now

 Right Now

1. Massive Housing Demand

Millions of Americans want to buy homes but cannot qualify for a mortgage today.

Lease options allow them to move in now and buy later.

2. Built-In Cash Flow

Tenant buyers pay more monthly because they are working toward ownership.

 

3. Leveraging Your 
Existing Equity

Instead of waiting decades for retirement accounts to grow, you can deploy the equity you already have working for you today.
 

1. Massive Housing Demand

Millions of Americans want to buy homes but cannot qualify for a mortgage today.

Lease options allow them to move in now and buy later.

2. Built-In Cash Flow

Tenant buyers pay more monthly because they are working toward ownership.

 

3. Leveraging Your 
Existing Equity

Instead of waiting decades for retirement accounts to grow, you can deploy the equity you already have working for you today.
 

Who This Program Is For

The HELOC Backstop Program may be a good fit if you:
  • Own a home with $80,000+ in equity
  • Want to add more properties to your portfolio and increase your monthly passive income
  • Like the idea of using a HELOC but want protection around the payment
  • ​Are looking for a clear 10-year game plan toward $100k+ income

See What Your Personalized HELOC Game Plan Could Look Like

If you'd like to learn more about the HELOC Backstop Program and see whether it fits your goals for growing your portfolio and monthly cash flow, apply for a 1-on-1 with our team.

Who This Program Is For

The HELOC Backstop Program may be a good fit if you:
  • Own a home with $80,000+ in equity
  • Want to add more properties to your portfolio and increase your monthly passive income
  • Like the idea of using a HELOC but want protection around the payment
  • ​Are looking for a clear 10-year game plan toward $100k+ income

See What Your Personalized HELOC Game Plan Could Look Like

If you'd like to learn more about the HELOC Backstop Program and see whether it fits your goals for growing your portfolio and monthly cash flow, apply for a 1-on-1 with our team.

The Real Question When It Comes to 

Building Wealth:

Most people spend decades trying to save enough money to retire.

But the real game is building residual income.

If two properties can eventually turn into eight…

And eight properties can produce $100,000+ per year…

Then the real question becomes:

What would your life look like if your equity started working for you instead of sitting idle?

Schedule a call with us to find out.

The Real Question When It Comes to 

Building Wealth

Most people spend decades trying to save enough money to retire.

But the real game is building residual income.

If two properties can eventually turn into eight…

And eight properties can produce $100,000+ per year…

Then the real question becomes:

What would your life look like if your equity started working for you instead of sitting idle?

Schedule a call with us to find out.

HEAR FROM THOSE WHO HAVE WORKED WITH

KRIS KROHN

Laurie & Brent

After purchasing four investment homes with Kris since 2020, Brent and Laurie are now on track to continue building their portfolio to generate approximately $8,500 per month (over $100,000 per year) in real estate income. This is positioning them to comfortably retire within the next few years.

“I’m the guy who didn’t want to come to an event. But now I’m seeing the fruition of it… It’s actually giving me the ability to retire and do other things. It’s so freeing and exciting… we don’t have to face the next decade with fear.” – Brent

Jim Andrews

Jim Andrews started investing at age 54, and in 2021 leveraged his initial capital to acquire four homes. By executing the portfolio doubling strategy, he is now positioned to trade up to eight income-producing properties by 2026, targeting $100,000+ per year in residual income.

His story proves that even starting later in life, a clear real estate game plan can still lead to meaningful financial freedom

Tyler & Jess

Tyler and Jess built a personal portfolio of 24 investment homes valued at roughly $15 million, currently producing about $25,000 per month in rental income, with projections of $40,000 per month once the portfolio is fully paid off. Tyler and Jess represent what’s possible when someone consistently compounds their portfolio over time.

“24 homes in my personal portfolio… just over $15 million in real estate… and it’s paying about $25,000 a month right now.” — Tyler & Jess

Klaus Bartram

[ Voluntary Benefits Specialist ]
Whether he’s helping an entire school district or individual teachers, Klaus finds the best road toward financial stability. He shows districts, towns, and even correctional facilities how to enhance their benefit package with no direct cost. For employees, he teaches how to plan for maternity leave, protect their paycheck and draw a blue print for retirement.

Voluntary Benefits has been his passion during his two decades in the financial industry, helping small and large business owners alike. Klaus has also recruited and trained hundreds of new agents. He is especially proud that a number of his recruits now manage Fortune 500 companies and implement the same training strategies.

On LinkedIn, he is known as “The Teachers’ Financial Guy.” He gives tips to more than 10,000 educators every day on how to plan for retirement and how to protect themselves from the unexpected.

His wife, Laura has been a teacher for over 20 years. They live in Middletown, New Jersey with their children Connor, Molly and Declan. Klaus has also served as the Ambassador to the Children’s Hospital of Atlanta where he worked with other agents to raise money to help fight the battle of childhood cancer.

David Hammer

[ Financial Services Representative ]
David’s combination of experience, professionalism and versatility can help you meet your financial goals, estate strategies and insurance needs. Whether you are preparing for milestone life events like retirement or college, or whether you’re simply looking for daily help in providing more financial freedom, he can keep you on track. Some clients look to him for life, disability income or long-term care insurance protection.

David’s advice is informed by approximately 30 years in the financial services industry, including stints as a portfolio manager for a private money manager.

He is also a proud 3-time NYC Marathon finisher and enjoys regularly competing in endurance competitions, including half and full Ironman triathlons. David promises, along with the team at Epic, to give you a new level of attention, insight and capability.








Parker Russo

[ Chief Marketing Officer ]
Parker is considered to be the mind behind the branding and marketing of Epic Financial Strategies. He is experienced in all aspects of brand building and has brought Epic’s presence to life over the years by creating and building social media platforms, marketing campaigns, consistent content creation, website design, print marketing and more.

Parker is a graduate of Georgian Court University with a BA in Graphic Design and Digital Media. He currently resides in Monmouth County, New Jersey. Outside of Epic, Parker is also an experienced Master of Ceremonies for an entertainment company, with experience speaking in front of thousands of guests at weddings all over the Tri-State Area. He also enjoys traveling, graphic design, fitness and health.










Antonio Vaglica

[ Financial Services Representative ]
Born and raised in Long Island, New York, Antonio was a baseball player throughout his life. After a great four-year career playing Division 1, Antonio branched out into his other love: the financial services industry.

He started a podcast with his partner called “The LearnLead Podcast.” One of their guests was Epic’s founder, Rob Gill. Through the immediate synergy between them created on that podcast, Antonio came aboard the Epic team and continues to hit it out of the park. He looks forward to servicing his clients providing anything they may need.











Alexa Criollo

[ Financial Services Representative ]
Alexa is a Wealth Strategist at the renowned Epic Financial Strategies in Red Bank, New Jersey. She specializes in making sure her clients have the appropriate tools, so they are well prepared for their financial future.

She knows intimately what happens if someone doesn’t have a strong education in personal finances. Her understanding and her compassion inspires her approach of guiding financial planning with education. She ensures that her clients are well-informed and can make educated decisions when it comes to their money.

She has the privilege of helping individuals, business owners, and entrepreneurs in protecting, leveraging, and building their wealth. She is an active public speaker on topics such as financial literacy, money mindset, and financial planning.

Alexa is a SUNY New Paltz graduate, and currently lives in Queens, NY. She goes snowboarding when she’s not helping others. A proud Latina, being bilingual lets her serve those whose native language is Spanish. Her mission is to retire her mother, create generational wealth for her family and continue to guide others in optimizing their financial journey.

Bruce Bock

[ Financial Services Representative ]
After a successful 30-year career in sales, and an early retirement, Bruce still wanted to help people. That’s why he recently joined the Epic team as a Licensed Insurance Specialist. A dedicated professional, Bruce is committed to providing financial knowledge and assistance in the insurance industry.

Born and raised in Jersey City, New Jersey, Bruce studied Economics and Business Administration at Upsala College. He brings a wealth of experience to a very talented Epic family. Bruce looks forward to once again providing excellent service to all clients.











HEAR FROM THOSE WHO HAVE WORKED WITH

KRIS KROHN

Laurie & Brent

After purchasing four investment homes with Kris since 2020, Brent and Laurie are now on track to continue building their portfolio to generate approximately $8,500 per month (over $100,000 per year) in real estate income. This is positioning them to comfortably retire within the next few years.

“I’m the guy who didn’t want to come to an event. But now I’m seeing the fruition of it… It’s actually giving me the ability to retire and do other things. It’s so freeing and exciting… we don’t have to face the next decade with fear.” 
– Brent

Jim Andrews

Jim Andrews started investing at age 54, and in 2021 leveraged his initial capital to acquire four homes. By executing the portfolio doubling strategy, he is now positioned to trade up to eight income-producing properties by 2026, targeting $100,000+ per year in residual income.

His story proves that even starting later in life, a clear real estate game plan can still lead to meaningful financial freedom

Tyler & Jess

Tyler and Jess built a personal portfolio of 24 investment homes valued at roughly $15 million, currently producing about $25,000 per month in rental income, with projections of $40,000 per month once the portfolio is fully paid off. Tyler and Jess represent what’s possible when someone consistently compounds their portfolio over time.

“24 homes in my personal portfolio… just over $15 million in real estate… and it’s paying about $25,000 a month right now.” — Tyler & Jess

Klaus Bartram

[ Voluntary Benefits Specialist ]
Whether he’s helping an entire school district or individual teachers, Klaus finds the best road toward financial stability. He shows districts, towns, and even correctional facilities how to enhance their benefit package with no direct cost. For employees, he teaches how to plan for maternity leave, protect their paycheck and draw a blue print for retirement.

Voluntary Benefits has been his passion during his two decades in the financial industry, helping small and large business owners alike. Klaus has also recruited and trained hundreds of new agents. He is especially proud that a number of his recruits now manage Fortune 500 companies and implement the same training strategies.

On LinkedIn, he is known as “The Teachers’ Financial Guy.” He gives tips to more than 10,000 educators every day on how to plan for retirement and how to protect themselves from the unexpected.

His wife, Laura has been a teacher for over 20 years. They live in Middletown, New Jersey with their children Connor, Molly and Declan. Klaus has also served as the Ambassador to the Children’s Hospital of Atlanta where he worked with other agents to raise money to help fight the battle of childhood cancer.

David Hammer

[ Financial Services Representative ]
David’s combination of experience, professionalism and versatility can help you meet your financial goals, estate strategies and insurance needs. Whether you are preparing for milestone life events like retirement or college, or whether you’re simply looking for daily help in providing more financial freedom, he can keep you on track. Some clients look to him for life, disability income or long-term care insurance protection.

David’s advice is informed by approximately 30 years in the financial services industry, including stints as a portfolio manager for a private money manager.

He is also a proud 3-time NYC Marathon finisher and enjoys regularly competing in endurance competitions, including half and full Ironman triathlons. David promises, along with the team at Epic, to give you a new level of attention, insight and capability.








Parker Russo

[ Chief Marketing Officer ]
Parker is considered to be the mind behind the branding and marketing of Epic Financial Strategies. He is experienced in all aspects of brand building and has brought Epic’s presence to life over the years by creating and building social media platforms, marketing campaigns, consistent content creation, website design, print marketing and more.

Parker is a graduate of Georgian Court University with a BA in Graphic Design and Digital Media. He currently resides in Monmouth County, New Jersey. Outside of Epic, Parker is also an experienced Master of Ceremonies for an entertainment company, with experience speaking in front of thousands of guests at weddings all over the Tri-State Area. He also enjoys traveling, graphic design, fitness and health.










Antonio Vaglica

[ Financial Services Representative ]
Born and raised in Long Island, New York, Antonio was a baseball player throughout his life. After a great four-year career playing Division 1, Antonio branched out into his other love: the financial services industry.

He started a podcast with his partner called “The LearnLead Podcast.” One of their guests was Epic’s founder, Rob Gill. Through the immediate synergy between them created on that podcast, Antonio came aboard the Epic team and continues to hit it out of the park. He looks forward to servicing his clients providing anything they may need.











Alexa Criollo

[ Financial Services Representative ]
Alexa is a Wealth Strategist at the renowned Epic Financial Strategies in Red Bank, New Jersey. She specializes in making sure her clients have the appropriate tools, so they are well prepared for their financial future.

She knows intimately what happens if someone doesn’t have a strong education in personal finances. Her understanding and her compassion inspires her approach of guiding financial planning with education. She ensures that her clients are well-informed and can make educated decisions when it comes to their money.

She has the privilege of helping individuals, business owners, and entrepreneurs in protecting, leveraging, and building their wealth. She is an active public speaker on topics such as financial literacy, money mindset, and financial planning.

Alexa is a SUNY New Paltz graduate, and currently lives in Queens, NY. She goes snowboarding when she’s not helping others. A proud Latina, being bilingual lets her serve those whose native language is Spanish. Her mission is to retire her mother, create generational wealth for her family and continue to guide others in optimizing their financial journey.

Bruce Bock

[ Financial Services Representative ]
After a successful 30-year career in sales, and an early retirement, Bruce still wanted to help people. That’s why he recently joined the Epic team as a Licensed Insurance Specialist. A dedicated professional, Bruce is committed to providing financial knowledge and assistance in the insurance industry.

Born and raised in Jersey City, New Jersey, Bruce studied Economics and Business Administration at Upsala College. He brings a wealth of experience to a very talented Epic family. Bruce looks forward to once again providing excellent service to all clients.











UPLIFE GROUP LLC.
1201 N 800 E
Orem, UT 84097