Grow Your Cashflow

Grow Your Cashflow helps accredited investors ($3M+ net worth) build diversified passive income portfolios through strategic, cash-flowing alternative investments. Our mission is to simplify investing, empower financial freedom, and enable our clients to live life on their terms.

What We Do:
→ High Cash Flow Investments: Deliver consistent monthly income by focusing on opportunities in real estate, private equity, and other alternative assets.

→ Strategic Partnerships: Partner exclusively with top-tier operators to ensure stability and expertise. We invest in every deal alongside our clients, aligning interests and building trust.

→ Hands-On Guidance & Transparency: Provide end-to-end support—from deal analysis to execution—helping investors navigate the complexities of alternative investments confidently.

Key Achievements:
→ Helped clients generate over $120,000/yr in monthly passive income.
→ Curated a portfolio of 6+ vetted investment opportunities in 2023 alone.
→ Built partnerships with operators managing over $5 billion in assets.

How We Help:
→ Eliminate the stress of managing volatile markets by offering reliable, cash-flowing investments.
→ Build portfolios tailored to each investor’s financial goals.
→ Empower investors to reclaim time and freedom while building wealth.

👉 Ready to start building your financial independence?

Message me directly or sign up for your free Passive Income Starter Kit (link in bio).

Founder & CEO

Pascal Wagner Holdings

Pascal Wagner Holdings is my personal investment and advisory portfolio, focused on high-yield real estate investments, high-growth startups, and alternative assets. My portfolio reflects a strategic approach to wealth building through diversified investments and trusted partnerships.

Advisory Roles
Serve as Board Member/Observer for:
→ Forecastr (forecastr.co) – Financial forecasting software for startups.
→ Cubby Beds (cubbybeds.com) – Transformative sleeping solutions for children with special needs.


Investment Portfolio
Pre-IPO and Angel Investments:
→ Forecastr – Financial modeling for startups.
→ Enaia – Innovative tech solutions for scaling startups.
→ SpaceX – Space exploration and advanced transportation.
→ Stripe – Online payment processing for internet businesses.
→ PadSplit – Affordable shared housing for workforce tenants.
→ Sheets & Giggles – Sustainable eucalyptus bedding products.
→ Machinery Partner – Equipment marketplace for small contractors.
→ Favs – Community-driven e-commerce recommendations platform.


Real Estate Investments (Co-Living Capital):
→ Built a portfolio of 11 co-living properties in Atlanta, Georgia, generating sustainable monthly cash flow.
→ Developed rental models achieving 90%+ occupancy rates by transforming underutilized assets into vibrant, cash-flowing communities.


Real Estate Funds:
→ Oil & Gas: LCP Chocwell 10A.
→ ATMs: Real Asset Investor – Fund 5.
→ Self-Storage: Reliant Capital Management – Fund 3.
→ Debt Funds: DLP Capital – Debt Lending Fund, Preferred Credit Fund.
→ Multi-Family: Rise at Suncrest, Cardone Capital – Fund 20, Quantum Capital – Highland Park & Penn.

Founder

Techstars

As Fund & Portfolio Manager at Techstars, I led the deployment of $150 million across three years, investing in over 200 high-potential early-stage startups. My role involved creating scalable systems to identify, evaluate, and invest in top-tier opportunities, ensuring strategic allocation across diverse industries and geographies.

Key Achievements:
→ Capital Deployment: Oversaw the allocation of $150 million in venture capital investments, driving portfolio growth and targeting startups with exceptional scalability and market potential.

→ Deal Sourcing & Evaluation: Developed a comprehensive system to analyze thousands of startups, enabling efficient decision-making and ensuring investments focused on the most promising companies.

→ Board Participation & Founder Mentorship: Provided hands-on support to portfolio companies as a board member, guiding founders on growth strategies, fundraising, and operational improvements.

→ Portfolio Value Creation: Played a critical role in securing equity positions in high-growth startups, aligning investments with Techstars’ strategy and contributing to a high-performing portfolio.

Fund & Portfolio Manager

Walkthrough (a PlanOmatic brand)

After buying & selling 4 properties, I realized how backwards and outdated the real estate industry was. 

I searched on Google & Yelp for photographers, inspectors & appraisers only to find many of them couldn't help me within the next 3 weeks to meet a deadline. After 15 phone calls and hours of searching I finally found someone who could meet with me in 2 weeks but they would only accept checks and took their sweet time getting everything I needed back to me. 

In the age of being able to instantly book a ride (Uber) or vet different places to stay (AirBnB), I knew there was a great opportunity to bring the industry to the 21st century. 

To solve these problems, at Walkthrough we enabled agents (and any other home owners) to book the services they needed, when they needed it, and at the best price without sacrificing quality. All of this was done through an easy online app, filled with reviews & instant booking.

We built what I wish I had when I bought & sold my first few properties. I went on to sell the company to a national photography firm called PlanOmatic in 2019. 

---Here are a few things I accomplished---
‣ Pre-sold $5,000 in orders from customers before any code was written or product existed.

‣ Grew Walkthrough from $0 to $10,000+/mo in revenue in 6 months and ultimately to above $55,000+/mo from 3,000+ customers.

‣ Scaled the company from just an idea to 47 team members and launched 6 markets. 

‣ Tested 27+ acquisition channels before focusing on a channel that repeatedly converted at a 33% conversion rate with a ~$30 CAC.

‣ Raised $2M+ in funding, directly managed 3 engineers and an 8 person operations team, as well as negotiated & led the company to an acquisition.

‣ 3x company learning speed by introducing the ‘Northstar' growth framework and running 1 experiment per team member per week.

‣ Used the weekly ‘Traction’ framework to align the Support team to reduce ‘time to ticket resolution’ from 40 hrs down to ~4.5 hrs in less than 12 weeks.

Chief Executive Officer

Online Ad Labs (Acquired by PosterBrain)

I helped ecommerce businesses who advertised on Facebook get a higher return on their ad spend. 

Some of these companies we're pretty awesome to work with like Barbell Shrugged, The Amazing Seller, Inflowstyle, and the multimillion dollar brands Masterclass, Mahabis, & BC-Loans. 

After reading "Work The System" by Sam Carpenter I systematized everything and then grew the team to 5 people. It allowed me to live the 4 hour work week, live in Bali and travel all across Asia for 9 months. 

I learned how to hire & manage people, build processes & procedures, and how to fire clients that I didn't like to work with.  Thankfully, I was lucky enough to build something someone else thought was valuable. In June of 2016 I sold the company and moved on to bigger and more inspiring projects.

---Here are a few things I've accomplished here---
‣ Signed & managed 54 contracts with advertising budgets totaling over $1,200,000 delivering on the Facebook & Google platforms.

‣ Grew the team to 5 members and systematized operations to be turn-key, ultimately leading us to an acquisition.

‣ Increased ROI on Ad Spend by 7x for ~80% of the 54 companies we took on (typically reducing their cost per lead from ~$8 to below ~$1) through proper copywriting & detailed customer segmentation.

Elevate Mastermind

After graduating college I realized that a lot of my success would be determined by the people I surrounded myself with. I didn't know many entrepreneurs that could be my support system so I pulled in a few friends to help me organize an event to meet all of the entrepreneurs I had been following on "the internet" for the last several years. 

I rented a huge mansion in Breckenridge to throw our event in the first year, and then found a beach house in Bahamas the 2nd year. Somehow I managed to figure out how to have my favorite entrepreneurs buy tickets to attend an event put on by me - some random guy who just graduated college. The flow of the event focused on building deep relationships so instead of sitting around conference tables, we went on adventures, had snowball fights and went deep sea fishing together. 

I now have a solid new group of people I can call friends that have helped me achieve and become the man I am today.

Co-Founder

NotaryElite

Sick of trading time for money, I went through a program called The Foundation which taught the fundamentals of how to start a software company (i.e. building a product instead of a service).

I got on the phone with Notaries (I don't even remember how I fell into this niche) asking them what their problems were, what solutions to those problems could be, how much they'd pay to have those problems solved, and then somehow convinced several of them to pay me 6 months up front for a discount so I could use their money to build their dream product. 

I called it NotaryElite. It was my first crack at building a software company which answered calls on a notaries behalf and scheduled appointments for them in their calendar while they were unable to answer the phone on the road or in meetings. 

I was super proud of building this company - it took a lot of sweat and hustle to get this off the ground but maybe a little too late, I realized the probability of ever earning more than $10k in revenue per month with our product was extremely unlikely because the market size was too small. 

Lesson learned.

You better believe I'll do my research of market potential before starting any new company in the future.

Pünkt IT Consulting

This was my first step up after selling candy bars between classes for $0.50 profit in high school (which apparently is pretty illegal) to buy my first macbook. 

With the goal of making ends meet and graduating college debt free, I helped local companies build websites, provided them web hosting, and had my first shot at helping companies with Facebook marketing. I even fixed a few computers and ran a computer tech shop. 

It was the first time I learned to sell to businesses, write an invoice, charge ahead of time for my services instead of chasing people for payments, and learned what it was like to trade time for money.

Everyone wants to build passive income, and I figured out how.

With over $250K/year in passive income from 30+ investments, years of venture capital experience deploying $150M at Techstars, and a proven system, I can help you build a reliable cash-flowing portfolio (without spending years figuring it out).

→ In 2020: I started from scratch with $0 in passive income.
→ In 2021: I took on the responsibility of managing my family’s finances after losing my dad, ensuring my mom could retire with peace of mind.
→ In 2024: I built a $250K/year portfolio and helped 10+ executives start their journey to financial freedom.

I’ve worked with busy, high-earning professionals to eliminate stress from volatile markets, create passive income portfolios tailored to their goals, and regain time for what matters most.

Here's how I can help you:
→ Download my Passive Investing Starter Kit—trusted by 1,000+ investors. It’s your first step to building a reliable cash-flowing portfolio. (Link in bio)

→ Join the Cashflow Academy to learn how to create your own investment thesis, find pre-vetted opportunities, and start generating passive income.

→ Explore Curated Investments with exclusive access to pre-vetted opportunities, including multifamily real estate, high-yield funds, and alternative assets with built-in tax advantages.


If you're not ready for any of that yet, no worries! Stick around—I share insights on investing smarter, building passive income, and creating a portfolio that works for you.

See you on the feed 👋.

Pascal Wagner

Want to avoid losing $50,000+ on your next real estate deal?

Here are the 4 assumptions that will make or break your returns — and most investors never stress-test them.

We all (should) know that projections are just guesses.
But these 4 variables have the biggest impact on the outcome of a deal.

From reviewing 1,000+ commercial real estate deals, here’s what consistently moves the numbers the most:

1) Rent Growth Projections

Are they assuming modest rent bumps or aggressive increases?

You can cross-check their numbers in 5 minutes using YoY rent data on Zillow or Reventure.

If their assumptions outpace the actual market, that’s not a business plan — that’s optimism.

2) Occupancy Rates

Are they projecting occupancy above the market average?

If yes, how are they getting there?

→ Lower rents?
→ Better amenities?
→ Stronger execution?

If they can’t articulate it clearly, don’t trust the projection.

3) Exit Interest Rates

What rate are they assuming when they sell or refinance?

A lot can change in 5 years.

If the returns only work when rates fall… that’s not underwriting — that’s hope.

4) Operating Expense Growth

Are they assuming realistic increases for insurance, taxes, maintenance, and other operating costs?

In many markets, the biggest expense lines — especially insurance and maintenance — have been rising 4–8% per year, not the old 2–3% underwriting standard.

If they assume flat expenses, the deal’s in trouble before it starts.

And the best part?
These are all 5-minute checks you can run on any deal.

You don’t need hours of research — just a simple stress test.

A deal might “look great” on paper…
but if the assumptions are off, your actual results can look very different.

Am I missing anything? What else do you check before investing?

Sharing How I Built $250K+/Year Portfolio with 30+ Investments | Best Ever CRE Podcast Host (200K+ Monthly Listeners) | Ex-VC @Techstars, Deployed $150M in 3 Years | Join 1K+ Investors Using My Free Starter Kit👇

A few things I’ve been reflecting on as we head into Thanksgiving:

1) Living in Miami

Miami has honestly been such a gift. The pace, the energy, the weather, the people — it’s a city that makes you feel alive and pushes you to dream bigger. I didn’t expect to love it this much.

2) More time with family

I got to see my mom a couple times this year. Those trips weren’t long, but they meant a lot. The older I get, the more I realize how rare it is to get time like that back.

3) Trips with Ashley

Getting away together — even just for a weekend — has been a reset button for both of us. Some of my favorite memories from this year came from those small windows where it was just the two of us.

4) The team around me

This year, a few people stepped up in big ways. It’s hard to put into words how much that matters when you’re building something that feels bigger than you. I’m grateful for the people in my corner.

5) Taking a bet on myself

I built a mentorship program from scratch and turned it into a real consulting revenue stream. It took longer and required more belief than I expected, but I’m genuinely proud of it.

→ As the year winds down, I’m taking time to reflect, simplify, and double down on what’s already working.

Do less — but better.

And keep improving the things that are already moving in the right direction.

Everyone was loading up their Amazon carts yesterday…

I loaded up on Bitcoin.

Didn’t realize Cyber Monday came with a BTC sale—down almost 5% this week.

Better than 99% of the deals I scrolled past.

Not sure what I was doing all these years. 😂

Ever driven past a parking lot and wondered who owns it — or how much it actually makes?

I recently sat down with Kevin Bupp, founder of Sunrise Capital Investors, to break down one of the most overlooked (and surprisingly profitable) niches in commercial real estate: parking.

Kevin’s team has acquired more than $400M in assets — including 4,000 mobile home parks and $150M in parking garages and surface lots across the country. With 20+ years of experience and multiple market cycles under his belt, he explains why he’s doubling down on this niche… and why almost no LPs are watching it.

Here’s what we covered:
 ✅ Why parking lots often outperform multifamily on a hassle-to-return basis
 ✅ How Sunrise blends mobile home parks and parking assets in one fund to balance steady cash flow with long-term appreciation
 ✅ The macro trends driving supply compression and stable demand in parking
 ✅ How self-driving technology, urban redevelopment, and zoning shifts could transform this overlooked sector
 ✅ Why “highest and best use” can create asymmetric upside for investors
 ✅ The biggest mistakes LPs make when evaluating alternative asset classes

If you’re an LP looking for stable, tax-advantaged income and diversification beyond multifamily, this conversation will show you how institutional investors are quietly repositioning capital toward these low-volatility, cash-flow-driven assets.

YouTube link in the comments 👇

It’s surprising how much your life improves when you stack tiny habits.
 
A few things quietly made my life better this year:
 
1) Walking more
 
When I moved to Miami, I told myself, “Alright, I’m ready to step up and finally get a six-pack.”
 
At the time, I was averaging around 7,500 steps a day. Nothing too impressive.
 
Then I bought a walking pad for my desk and started walking during one meeting a week.
Then two.
Then most of them.
 
Now I regularly hit 12–15k steps a day without thinking about it.
 
I look leaner, I feel better, and it’s honestly one of the easiest habits I've ever built. 
 
(Photos to come soon 😉)
 
Wild how such a simple thing can change your whole baseline.
 
2) Treating social media like a craft
 
This one surprised me too.
 
Posting consistently takes time and effort — way more than people think — but it’s been worth it.
 
Every single client I’ve worked with this year came from social.
 
On LinkedIn, I’ve been growing around 350 followers a month.
On YouTube, my videos now get 300+ views in the first week.
 
It’s been fun to learn, fun to iterate, and fun to feel like I’m finally getting the hang of it.
 
It’s starting to feel like a real skill.
 
3) Building momentum slowly
 
Not everything has to be sprint → burnout → repeat.
 
Some things get better when you show up a little bit every day and let the reps stack.
 
Walking more.
Creating more.
 
Being a little more visible.
Just nudging things forward.
 
None of it is flashy.
But it’s working.
 
Can you tell?

Bitcoin just dropped 30% — from around $126K to the low-$80Ks.

Whenever we get a move like this, I catch myself doing the same thing:

I start digging. Charts, articles, graphs… anything that helps me double-check whether I still understand why I own this.

A lot of my friends say the same thing every time:

→ “I don’t get Bitcoin. It doesn’t cash-flow. What’s the value here?”

I used to ask that too.

But then you step back and look at what’s actually happening around us:

→ The dollar losing ~25% of its purchasing power in five years
→ Government spending exploding
→ Savings getting quietly eroded
→ A financial system that chips away at you slowly

At some point, owning a scarce, non-sovereign asset starts to feel less like speculation… and more like insurance.

Bitcoin isn’t perfect.
It’s volatile.
It’s frustrating.
It doesn’t send distributions.

But it does protect you from something every investor underestimates:
→ your dollars getting diluted while you sleep.

Here’s one of the pieces I revisited this week during the drop:
https://lnkd.in/ebaPBZG5

Did you hold through this move?
Or did it make you second-guess things?

Open article: Part 1: Coup to Code - The End Run Around the Fed by marylandhodl.substack.com

Part 1: Coup to Code - The End Run Around the Fed

Everyone wants more affordable housing. 

But no one wants it in their backyard.

That’s the core issue no one in real estate wants to talk about.

People say they want lower rents.

They say they want to “solve the housing crisis.”

But the moment you try to put an actual solution next to them…

Like co-living, micro-units, or shared housing…

They fight it. 

I’ve been looking a lot into why we have an affordable housing crisis, and the more I dig, the more obvious it gets:

 It's NIMBYism. 

"Not in my backyard." 

No one wants a house next to them that has bedrooms added by dividing living rooms, dining rooms, or garages.

They don’t want micro-units.

They don’t want co-living.

They don’t want anything that looks like it’s meant for someone who isn’t a top-echelon high earner.

Because there’s a stigma:

Micro-units = slumlords, crime, mental illness, drugs, homelessness, and overcrowding.

And because of that, cities make it nearly impossible to build them.

→ Look at Seattle.

Back in 2012, they allowed micro-apartments.

Developers actually started building them to spec.

Then the city slowly raised the minimum square footage you had to have per bedroom…

And then, a couple years in, they changed the zoning to basically not even allow them.

It’s wild.

There are plenty of people (myself included) who would build these structures.

But regulation blocks it.

Not economics or demand. 

But red tape from cities. 
 
→ So how do you solve the problem?

A few ideas: 

1). Stop pretending you can fix affordability without changing zoning.

2). Call NIMBYism what it is: “I want solutions, just not where I can see them.”

 3). Let developers build smaller units instead of forcing luxury square footage.

 4). Recognize that micro-units work in Asia, Europe, New York (and they can work here, too).

 5). Stop raising design requirements after builders already commit to projects.

Until something changes, we’re stuck in the same loop:

People say they want affordable housing....

They’re just not willing to live near it.

Writing on LinkedIn almost every day has been way harder than I expected.

Most mornings I’m asking myself:

“Do I actually have something worth saying today… or am I about to break the streak?”

I’m not doing it to “build an audience.”
I’m doing it because distribution is leverage—and the ability to communicate clearly online is only becoming more valuable.

But the process is messy.

I worry about sounding dumb.
Or watching something that felt sharp in my head fall apart on the page.

I’ve tried writers.
I’ve tried systems.
Still—my best ideas arrive late at night.

ChatGPT helps, but not by writing for me.
It helps me see my own thinking.

I’ll read a draft and immediately feel,
“Wait… that’s not quite right. What did I really mean?”

That’s when the real work begins—pulling on the deeper thread I almost skipped.
And here’s the surprising thing I’ve learned:

Your voice doesn’t appear fully formed.
You find it by publishing imperfect work in public.

It’s uncomfortable.
It’s messy.
But it’s also how you grow.

If you’ve ever considered sharing your thoughts more often, I’d encourage it.

The reps don’t just improve your writing—they sharpen how you think.

You've invested $250K across 5 deals.

But you still don't have a plan.

Some tax plays here. 
A little equity growth there. 
A syndication your friend told you about.

And now you're wondering why it all feels disconnected.

I've been there.

A few years ago, I was doing the same thing. 

Not gambling — just evaluating each deal in isolation instead of as part of a full strategy.

I only invested in things I believed were high quality:

→ Real estate in downtown Denver (because I knew the area)

→ Funds from well-known operators (because I didn't want to lose money)

→ Passive deals through my friend group (because I wanted to spread the risk)

I was investing in what I had access to...

But the market shifted, and the plan I had wasn’t designed for the conditions we ended up facing.

So if you've built your strategy from podcasts and LinkedIn posts, I get it. 

But you're not positioned to win, either.

→ Because when you invest without a plan, your portfolio isn't optimized for what you actually need. 

Maybe you need cash flow now, but half your capital is locked up in long-term equity plays.

That's why you need to ask yourself some hard questions:

→ What do I want my portfolio to look like in 5 years?
→ How do I balance cash flow vs. equity growth?
→ How do I know which deals fit my goals?

At the time, I wasn’t asking those questions yet — because my plan was built for a different stage.

And it left me with capital tied up in deals I wished I could reallocate.

But now I know better.

I'm not falling in love with deals that look good on paper.

Instead, I'm creating a structured portfolio with:

→ Targeted equity positions with clear upside
→ Monthly cash flow from low-volatility debt funds
→ Diversification across operators and asset classes

Don't wait until your portfolio underperforms to realize you needed a strategy from the start.

It’s the end of the year… 

You’ve made great income,
Your CPA mentioned you need depreciation, 
And every operator is promising massive write-offs.

But before you wire that $100K, here’s the truth: not all write-offs actually lower your taxes the way you think they do.

In this solo episode of The Passive Income Playbook, Pascal Wagner breaks down the 3 types of income the IRS recognizes — and how to align your investments so the write-offs you earn actually hit your tax return.

After personally investing $3.3M across 23 private deals, and managing capital professionally at Techstars ($150M deployed), Pascal shares the framework that turned one painful $40K tax surprise into a repeatable system for year-end planning.

Most investors chase “tax-advantaged” deals without understanding which bucket their income sits in — active, portfolio, or passive.

Once you learn how they actually work, you’ll never look at write-offs the same way again.

In this episode, you’ll learn:
✅ The 3 income buckets the IRS uses — and why mixing them up kills your deductions
✅ How to know which type of investment actually affects your taxes
✅ The 3 rare ways to offset active income (and when they actually apply)
✅ Why depreciation only works if your income is in the passive bucket
✅ The real reason wealthy investors “stack” funds and real estate strategically
✅ How to engineer after-tax returns instead of chasing headline IRRs

If you’re looking at deals right now and wondering “Which of these will actually help my taxes?” — this episode shows you exactly how to tell before you invest.

Youtube link in comments👇

Bill Fanter

Options Action LLC

Teaching students the most valuable life skills in building a six figure income stream through options trading. 

I cover the following topics in great detail:

-> Choosing between stocks vs options 

-> How to select which options contract to buy

-> Maximizing profits within each trade

-> Selecting the best broker

-> Reading the charts and indicators 

-> Leveraging the trading community’s alerts and signals 

-> Understanding key risk strategies 

-> Managing human emotions 

-> Simulated trading exercises 

This turnkey program which helps you succeed right out of the gate. With over 1,150 LinkedIn professionals who graduated, you can’t go wrong.

Luther Burbank Savings

Focused on creating and executing strategies to drive exponential deposit growth while increasing non-interest income revenue through specialty product development.  

Additionally, I’m responsible for marketing and client experience initiatives throughout the organization including the branch and digital channel service centers.

-	Strategic Planning and Execution: Developing and implementing strategic plans for the retail and business banking division, aligning with the organization's overall goals and objectives.

-	Team Leadership and Development: Leading and mentoring teams across various functions, ensuring efficient operations, promoting professional growth, and fostering a collaborative environment.

-	Product and Service Innovation: Identifying opportunities for new retail and business banking products/services, as well as enhancing existing offerings to meet customer needs and stay ahead in the market.

-	Customer Experience Enhancement: Overseeing efforts to improve the customer experience, from personalized services to digital banking solutions, ensuring customer satisfaction and loyalty.

-	Risk Management and Compliance: Ensuring that retail and business banking operations adhere to regulatory standards and internal policies, managing potential risks, and implementing measures to maintain a secure and compliant environment.

Executive Vice President Retail & Business Banking

Opus Bank

Leading Opus’ Retail Banking division, including overseeing its 46 banking offices located in California, Washington, Oregon, and Arizona in addition to call center management and retail banking operations.
 
-	Developing and implementing strategic plans for the retail banking division.

-	Setting goals, objectives, and key performance indicators (KPIs) to drive growth and profitability.

-	Aligning business strategies with the overall goals of the organization.

-	Overseeing the development and enhancement of retail banking products and services.

-	Ensuring an exceptional and consistent customer experience across all retail banking touchpoints.

-	Monitoring customer feedback, complaints, and satisfaction surveys to make improvements.

-	Implementing risk management protocols to ensure the security of customer data and financial transactions.

-	Building and leading a high-performing team of retail banking professionals.

-	Providing guidance, mentoring, and professional development opportunities to team members.

Executive Vice President Head of Retail Banking

U.S. Bank

Strategic leadership, growth and development of U.S. Bank's Consumer & Business Banking network within the greater Chicagoland area with over 152 branches, $10 billion in deposits, $2 billion in loans and over 980 remarkable colleges.
 
 -	Develop and execute comprehensive strategies to drive growth and enhance market presence.

-	Align business objectives with market trends and customer needs for sustainable development.

-	Oversee the financial health of the network, managing deposits, loans, and revenue targets.

-	Implement effective cost management strategies to optimize profitability.

-	Provide leadership to branch managers and teams, fostering a culture of high performance and accountability.

-	Develop talent through coaching, mentoring, and training programs to enhance employee skills and engagement.

-	Implement customer-centric initiatives to improve overall satisfaction and loyalty.

-	Lead corporate social responsibility initiatives, contributing to the welfare of the community.

-	Establish the bank as a trusted partner through active involvement in community events and philanthropy.

Senior Vice President, Consumer & Business Banking Market Executive 

Kirchman Corporation

Lead the design and implementation of automation for 3rd party service providers to drive ATM networks, overdraft protection services, commercial real estate lending disbursements, money laundering software, etc.
 
 -	Develop comprehensive strategies for automating various services provided by 3rd party service providers, including ATM network management, overdraft protection services, lending disbursements, and anti-money laundering software. 

-	Analyze the existing processes related to ATM network management, overdraft protection, lending disbursements, and money laundering software. 

-	Identify bottlenecks, inefficiencies, and areas for improvement. Implement optimized automated workflows to streamline operations and enhance efficiency.

-	Collaborate with 3rd party service providers to integrate their systems with the organization's automation framework. 

-	Identify and evaluate automation technologies, tools, and platforms that are suitable for specific services, such as robotic process automation (RPA), workflow automation, API integration, and machine learning. 

-	Ensure that the automation processes adhere to regulatory standards and compliance requirements, especially in sensitive areas like money laundering software. 

-	Develop and implement controls, monitoring mechanisms, and audits to mitigate risks associated with automation and maintain a secure operating environment.

-	Streamlining and optimizing the retail delivery process to ensure products and services reach customers efficiently and effectively.

Director of Automation Services 

GreatBanc, Inc.

Oversight for retail delivery, marketing, compliance and audit responsibilities.

Senior Vice President & Chief Operating Officer 

Former bank executive with 35 years of experience | Options trading expert who has taught 500+ students | Join my Masterclass to learn the strategy I used to create a 6-figure income stream

Want to break free from the 9-to-5 grind?

When I was stuck in the 9-to-5 cycle:

- I felt trapped, exhausted, and unfulfilled.
- The daily grind left me with little time for my family, friends, or personal passions.

I knew there had to be a better way to live—
- A way to achieve financial freedom, flexibility,
- And a more fulfilling lifestyle.

That's when I discovered the power of trading stock options.

I escaped that 9-to-5 grind with it.

Learn how I did it and built a 6-figure income stream from trading.

Reach out to me if:

- You want financial security and independence.
- You're looking to supplement your current income.
- You'd like to build location freedom, time freedom, or both.
- You crave lifestyle improvements and luxury experiences.
- You're interested in options but feeling a little bit skeptical.

I can feel you because I was you when I was in that 9-to-5 cycle.

I'll teach you my method that has:

- Daily ROIs of 30-300%
- Documented win rates of 78-80%

And I can even help you turn your spouse into a believer.

Ready to achieve financial freedom, build a reliable second income, and enjoy a flexible lifestyle?

Great! What are you waiting for?

Reserve your spot in my next course at www.BillFanter.com.

Still skeptical?

I get it. My husband used to be a skeptic, too.

Just send me a DM and we'll grab a few minutes to talk.

Client Testimonials

• “I never anticipated that this training would be so incredibly comprehensive from start to finish.”

• “I have already made my investment back and then some on the first day of trading.”

• “This class has been pure gold!”

• “What an energizing class and I wish we could keep meeting weekly as there’s so much knowledge which Bill possesses.”

• “I loved the simulated trading which really brought everything together full-circle – Great job!”

• “This has been, by far, one of the best investments (if not the best) I've ever made in my own education.”

• “I was blown away by all the details Bill provided, making this absolutely turnkey for anyone to succeed.”

• “I’ve already referred 3 colleagues to sign up for the next round as this program is a game changer.”

Founding Member

A business and social community centered around growing your brand, building your network, scaling your business, and establishing trust

The smartest career move in 2026 might be serving billionaires instead of becoming one.

Business Insider just profiled a 28-year-old nanny making $150,000+ a year.

She has a 401K.
Healthcare.
PTO.
A private chef cooking her meals.
A wardrobe provided by the family.
Private jets to the Maldives.

Her old job in medical sales only payed her $65,000 a year, so she quit and got a raise instantly. 

The corporate ladder is so broken that smart young people would rather clean up after billionaires than climb it.

In 2000 there were 322 billionaires.

Today there are over 3,000.

Each one needs:

-> Nannies
-> Personal assistants
-> House managers
-> Private chefs
-> Security staff

One staffing agency is listing "head of personal assistants" at $250,000-$280,000.

You could spend 20 years fighting for VP at some company that'll lay you off the second earnings dip.

Or you could just serve one rich family and make more money with better benefits 🤷

Live trading with 30%-300% returns | Options trading expert who has taught 1,325+ students | Join my Masterclass to learn the strategy I used to create a 6-figure income stream

70% of families lose their wealth by the 2nd generation.

90% lose it by the 3rd.

What does that tell you?

To me, that proves that wealth has absolutely nothing to do with having money…

And everything to do with handling money.

You can give someone $1 million.

If they spent $1.5 million, they’re going to be broke.

You can give someone a $50,000 salary.

If they invest that money, take strategic risks, and grow that money, they’ll be wealthy.

Financial freedom has almost nothing to do with what you start with.

It has everything to do with how you handle what you have.

Agree or disagree?

Here are the 5 most affordable states to buy a home

(And the 5 most affordable cities) : 

States:

1. West Virginia (Zillow Home Value Index ~$166,000)
2. Mississippi (median price ~$235,000)
3. Iowa (median price ~$227,500)
4. Michigan (median price ~$230,000)
5. Alabama (median price ~$284,000)

Cities: 

1. Detroit, Michigan (~$116,000)
2. Cleveland, Ohio (~$116,000)
3. Augusta, Georgia (~$174,000)
4. Brownsville, Texas (~$189,000)
5. Erie, Pennsylvania (~$194,000)

So what are all these young people complaining about??

You can absolutely afford a home.

All you have to do is move to McDowell County, West Virginia (~$36,000) and you can have a paid off home in no time.

Stop being so entitled!!

People who refuse to take my Masterclass and be like… I’ll just watch some YouTube videos 🤣

I know you’re lurking in the shadows.

Reading my posts
Watching my comments 
Thinking it’s all too good to be true

I don’t blame you, as I too was leery in the beginning myself. 

Watching 20 year old kids make more in a day than I did in a year as a bank executive. 

I’m not joking either. 

Some of them pull in $300,000 a day which is insane. 

They leverage way too much money for my conservative approach. 

As I’m happy with $1,000-$3,000 a day in profits.  

So instead of combating conventional wisdom, I set my ego aside and paid over $30,000 for 3 of them to teach me. 

I am literally offering you that same opportunity for a fraction of the cost. 

Don’t believe me? 

Come join over 1,100 professionals who trade with me live every morning.

Today I had 
- 1 losing trade 
- 1 break even trade 
- 2 winning trades 

Data doesn’t lie so why not start there and come see for yourself? 

I’d be honored and humbled if you did.  

BillFanter.com

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Milton Friedman said it best:

"Inflation is just like alcoholism."

Here's the menu the Fed likes to serve:

-> Beer: 2% inflation. 

 "Sustainable." 

You barely notice until your savings lost 40% in 20 years.

-> Wine: 4-6% inflation. 

The Fed swears they'll stop after this glass. They never do.

-> Tequila shots: Quantitative easing. 

The party's absolutely incredible...
Until you try to buy a house.

-> Hair of the dog: Rate cuts after a crash. 

Delays the pain, but makes the next hangover 10x worse.

-> Champagne: Asset bubbles. 

Everyone's celebrating... 
Until you're the one guy who bought at the top.

-> Everclear: Hyperinflation. 

We don't talk about Everclear. Or Venezuela.

That's why I stopped waiting for policy makers to sober up.

And I learned to pour my own drinks 🤣

3 in 10 job postings you see are fake.

Job hunting is a scam.

Companies post jobs during hiring freezes to make it look to investors like they're growing.

Or its government agencies who are required to post jobs publicly even when they've already hired someone internally.

It's all a complete joke.

People work their butts off applying to all sorts of jobs in hope that they'll get in a shot, when the jobs never existed or they never had a chance to begin with.

Learn a skill that pays you on your own terms.

You owe it to yourself.

A $17,855 day for one of my students.

Crazy!

This is one of those case studies that's so good I'm almost hesitant to share it.

Because this is really not what you should expect to happen.

But it's worth sharing because it shows you the potential for what can happen. 

And the best part?

He did it while trading along with Gus, one of the professional traders in my Discord community, right before Thanksgiving.

Nothing makes me happier than seeing this sort of success.

--

P.S. Enrollment for the January Masterclass opens on Friday December 12th.

Don't miss out:

BillFanter.com

Do you have a number? 

Mine was just $500 a day. 

That’s all I needed to never step foot back in Corporate America ever again. 

No more ridiculous sales goals 
No more nasty employee politics 
No more suit, tie and driving to an office 

Yep it sounds like a lofty number, but when I can get an average return between 30%-300% in a day. 

That means I’m only risking about $2,000 per trade. 

Why wouldn’t you take the time to learn this amazing skill which has so much upside potential? 

If you don’t believe me, come watch us do it live every morning with receipts. 

Today I took 2 trades and walked away with $988. 

BillFanter.com

46% of Americans say the American Dream is dead.

The other 54% are lying to themselves. 

People in the 50s bought a house on one income. You need two incomes, a side hustle, and your in laws watching the kids just to afford rent.

Your parents retired at 60 with a pension. You'll work until 70 and pray your 401k doesn't crash the year you need it.

But sure.

The dream is alive.

It's crazy to me that 26% still believe the lie.

They think if they just:

-> Work a little harder
-> Stay a little later
-> Get one more promotion
-> Wait for the raise that's "coming"

Then it'll all work out. 

The people at the top absolutely know this is not true. 

They just need you to keep believing long enough to extract another 10 years of productivity before you figure it out.

Look who showed up to steal some of my profits this morning! 

He grabbed $1,780 of my money when I wasn’t even looking. 

On the bright side, at least we got to make some holiday cookies together. 

I still finished the morning with $1,642 in profits so that’s something to smile about. 

Don’t be a Grinch this holiday season and come watch us trade the market live.

BillFanter.com

$2,804 in profits in under 10 minutes. 

Give yourself the gift of attending my next Masterclass and you’ll be making it snow money whenever you like. 

Watch how I took the trade with precise technical analysis:

No FOMO
No gambling 
No guess work 
No smoke and mirrors 

It’s a skill I guarantee that I can teach to anyone if they’re willing to learn. 

Here’s the video on how I did it: 
https://lnkd.in/gSBdCEPd

If someone told you they could change your life, why would you wait?

I've had people tell me they followed me for two years before they finally signed up for one of my Masterclasses

Two whole years!

When I ask them why they waited so long, the answer is almost never a real reason. 

"I wasn't ready."
"I wanted to see more."
"I needed to think about it.

And then they join and say the same thing so many other students say:

"I wish I'd done this sooner."

The January Masterclass is coming up. 

If you've been watching from the sidelines, I'm not going to tell you what to do. 

But I will say this:

Whatever you're waiting for, it's probably not coming. 

The perfect moment will never exist. 

There's just the moment you decide to stop watching and start doing.

Reserve your spot in the January Masterclass here:

https://lnkd.in/gUjxKzDr

The part of trading that makes you money is the part that makes you want to quit.

I post a lot of the exciting stuff.

The screenshots from clients who message me saying "I just made $4,000 in 10 minutes." 

It's fun to post and fun to read and gets a lot of likes, but what you don't see from these students is days 47, 119, and 335 where they didn't have anything to send me. 

The huge results are maybe 5% of what happens

The other 95% is sitting there doing nothing. 

If you're doing it right, you're spending a ton of time just waiting and watching a setup that isn't quite right and not taking it. 

Then, you close your laptop at 10am because there's nothing to do. 

You might break even for a week straight and remind yourself that's actually a win.

That's the work.

And it feels like absolutely nothing is happening. Your brain is screaming at you to do something, but the traders who make it are the ones who can sit in that boredom and not get all antsy and force a trade. 

That's half the skill... Just the ability to be bored and not do something stupid.

I spent 35 years in Corporate America thinking hard work meant being busy. 

Trading taught me the opposite.

--

January Masterclass enrollment opens next week!

BillFanter.com

I've had people asking me about this since October. 

"When's the next one?"
"Is there a waitlist?" 
"Can I get in early?"

Enrollment opens in 48 hours for the January Masterclass!

First class of 2026, first one since September.

So here we are!

I've taught 1,325+ students at this point. 

The class runs January 12, 14, 16, 19, 21, and 23. Six sessions across two weeks. 

By the end you'll know exactly how I trade, why I trade that way, and how to do it yourself without needing me to hold your hand.

(But I'll be available to hold your hand if you need me to 🙂 )

Enrollment opens Friday.

If you've been sitting on the fence waiting for the right moment, this is it.

BillFanter.com

The worst thing you can do with $3,000 is nothing. 

The second worst is starting a business.

Everyone tells you to become an entrepreneur, but they don't tell you that starting an actual business means you need $100,000 in the bank just to give yourself a fighting chance.

Trading is the opposite. It has low barriers to entry. 

You can start with $500. 

You can start with $50. 

The capital requirement isn't what stops people.

What stops people is they overextend themselves from day one. 

They don't ask the most important question before they start: 

How much can I actually begin with?

Not how much do I want to make or how much did that guy on YouTube say he made, but how much can I realistically start with and learn without blowing up my finances?

That's the difference between trading as a skill and trading as a lottery ticket.

Ready to get started? 

BillFanter.com

Trading is not for everyone, and I often find myself dissuading individuals from pursuing it.

Here are some scenarios where trading is not a suitable option:

- Have a gambling problem? Bad fit.

- Just lost your job and need the money? Bad fit.

- Spouse doesn’t trust your money management skills? Bad fit.

- Traveling for work five days a week? Bad fit.

- Have a very high stressful job? Bad fit.

- Struggle with EQ? Bad fit.

I frequently turn away individuals from the Masterclass who may not be a good fit. 

This decision is not a reflection of their character; rather, it's about maintaining the overall success rate of my program. 

The quality and integrity of what I do will always take precedence.

Today was a great example where the market didn’t give us a clear opportunity to profit. 

So it was risk off which means profits are way less important and risk management is key. 

Still $280 an hour isn’t awful for watching a chart.

Come join the January Masterclass and I’ll show you how we do it.

BillFanter.com

Enrollment is officially open for the January Masterclass! 

The Masterclass starts January 12. 

It's the first class of 2026 and the first one I've run since September.

Six sessions:

January 12, 14, 16, 19, 21, and 23.

All live sessions will be recorded, and unlike most other Options Trading Masterclasses, you get unlimited access and support to me for personal guidance.

I come on here every day and show you how trading can change your life.

So today, I'm not going to tell you.

Instead, click through some of the testimonials from my students below – and let them tell you for themselves!

Secure your spot in the January Masterclass here:

https://lnkd.in/gUjxKzDr

Everyone’s getting a FREE gift this week. 

You can come and trade live with me for a week at zero cost! 

Yep you heard that right:
• No games 
• No gimmicks 
• No strings attached 

Just an opportunity for you to see how it all works. 

I’ll be sharing the information during my Holiday Open House on Saturday.

Register below and youll receive an email link to join.

Saturday December 13th
7:00am PST / 9:00am CST / 10:00am EST

https://lnkd.in/ggUp2HTR

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Pascal Wagner

Bill Fanter

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The Battle

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Bill Fanter

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Performance Score.css-goub6s{font-size:var(--chakra-fontSizes-md);font-weight:500;color:var(--chakra-colors-gray-600);display:block;margin-top:var(--chakra-space-1);}Pascal Wagner's LinkedIn Performance

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