Nov. 26, 2025
From Army Discipline To Financial Confidence With Elijah Abraham
Send us a text Money decisions should feel like leadership decisions—clear, steady, and aligned with your mission. We sit down with Elijah Abraham, a licensed life insurance agent and Army National Guard veteran, to break down how service members, families, and high performers can protect income, reduce risk, and build a legacy without getting lost in jargon. Elijah traces his path from the military to financial educator, revealing why so many vets underuse benefits and how a simple plan turn...
Money decisions should feel like leadership decisions—clear, steady, and aligned with your mission. We sit down with Elijah Abraham, a licensed life insurance agent and Army National Guard veteran, to break down how service members, families, and high performers can protect income, reduce risk, and build a legacy without getting lost in jargon. Elijah traces his path from the military to financial educator, revealing why so many vets underuse benefits and how a simple plan turns confusion into confidence.
We get practical fast: what an Index Universal Life policy really does, when a traditional whole life policy makes more sense, and how annuities can secure retirement income regardless of market swings. Elijah explains how to pair tools like TSP and SGLI with permanent insurance and trusts, so your coverage, beneficiaries, and cash flow work together. He also opens up the family banking playbook—using well-structured policies and trusts to finance assets at lower rates, keep interest inside the family, and strengthen liquidity during big life moves.
If you lead a business or aim high in your career, you’ll hear strategies to retain great people, reduce taxes within the rules, and keep capital ready to scale. Elijah shares a six-step approach anyone can apply: diversify income, fund an emergency reserve, manage consumer debt, lock in legal protection with wills and trusts, and balance wealth building with wealth preservation. The bottom line is simple: applied knowledge beats passive learning, and a trusted team—legal, tax, insurance, real estate—turns good intentions into results.
Ready to move from information to action? Follow, share, and leave a review so more families and service members can build with confidence. Then take the next step: schedule a conversation, calculate your coverage, and bring your beneficiaries into the plan. Your legacy starts with one clear decision today.
Connect with Elijah Abraham
elijahabraham@adovadigital.com
info@adovadigital.com
Phone 403-593-8663
https://elijah-abraham.mynewretirement.com/en/webinar
IG: https://www.instagram.com/emoney.nq
FB: https://www.facebook.com/emoney.nq
LinkedIn: https://www.linkedin.com/in/elijah-abraham-857256213
Youtube: https://www.youtube.com/@emoney-nq
Tik Tok: https://www.tiktok.com/@emoney.nq
LegalShield sponsors this Episode -
Smart, Simple Coverage Starts Here. Protection for your family, your business & your personal identity
Connect with Wanda and Dennis Pearson - 678-761-5781
https://dennispearson.legalshieldassociate.com
Stay tuned for the next episode of Ready Set Collaborate with Wanda Pearson. Subscribe - Follow and Like Ready Set Collaborate with Wanda Pearson
00:00 - Welcome And Mission Of Collaboration
00:31 - Introducing Elijah And His Financial Focus
03:16 - Why Financial Education Matters
06:44 - Elijah’s Path From Service To Finance
10:55 - Turning Risky Hustles Into Sustainable Stewardship
14:07 - The Fulfillment Formula And Retirement Gaps
18:35 - Education-First Coaching And Discovery Calls
22:00 - Unique Needs Of Service Members And Benefits
24:34 - IULs, Whole Life, And Annuities Explained
27:16 - Who IULs Fit And When To Choose Whole Life
WEBVTT
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Welcome to Ready Set Collaborate with Wanda Pearson.
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This is where ideas spark, connections grow, and collaborations fuse success.
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Tune in for inspiring stories, expert insights, and game-changing conversations.
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Let's build, connect, and thrive together.
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Remember, collaboration is the key to success.
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Welcome to another episode of the Ready Set Collaborate Podcast with Wanda Pearson, where collaboration is the key to success.
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I'm honored to introduce a guest who embodies service strategy and stewardship, Elijah Abraham, licensed life insurance agent and founder of Adova Digital in partnership with Global Financial Impact.
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Elijah brings his Army, U.S.
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Army, National Guard, Discipline, and Mission First mindset to financial education, which is so needed at Elijah.
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I appreciate you doing that.
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He's helping other service members, families, and high performance build wealth through IUL's whole life and annuities integrated with TSP and SGLI.
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His approach simplifies complex choices so clients can protect income, reduce risks, and create lasting legacies.
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Get ready to hear practical insights on how to protect your family's future, grow your wealth, and lead with financial confidence.
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Welcome Elijah.
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Say hello to the audience.
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Hello, hello.
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I appreciate you having me on.
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Oh, absolutely, absolutely.
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I'm so glad that we actually was on a webinar.
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Me and one of my friends, I actually call accountability partners, did and Elijah jumped on, and I appreciate you being there.
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But just really about educating, right?
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We got to educate people because a lot of people don't know what's going on.
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We want to make sure that actually having that financial and Elijah, I grew up in Chicago.
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We ain't know nothing about financial, we know nothing about life insurance.
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Nobody told us about that.
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Just like I do legal shield, nobody told us about wills and estate planning.
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Because that wasn't in the budget.
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Let's put it that say.
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We want to make sure that uh that you're covered.
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And my sister, who died at 25 years old, died a day after my birthday, November 16th.
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She had insurance, but she stopped paying the insurance.
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And when she stopped paying it, what happens?
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We got to figure out how we're gonna bury her, right?
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This is so important.
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It's a great conversation that we're gonna have.
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Let's get into some of these interview questions, Elijah.
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I'm ready for it.
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All right.
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Oh, wait a minute.
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No, I gotta talk about your bio a little bit.
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I think I talked about some anyway.
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Elijah is Elijah Abraham is a licensed life insurance agent and founder of the Adova Digital partner with Global Financial Impact.
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And I talked about that.
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But what I want to talk about now is being that life insurance agent, founder of Adova Digital, partner of Global Financial Impact.
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Also, he actually is the U.S.
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Army National Guard mission, first approach to financial readiness for service members.
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I think I talked about that.
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So I just want to make sure I got all of that in.
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He's an educator, a team builder, turns complex insurance into actionable compliance safe steps.
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Thank you once again, Elijah, for being helping our military be in there for us because we definitely need it these days.
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Thank you.
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Happy to be of service.
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Yeah.
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So listen, let's talk about some questions.
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What's about your journey?
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What inspired you to combine your service background with financial education?
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It was really just God moving me into a place where I could really be what, like they say in the army, be all you can be as on National Guard.
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So straight out of high school, I joined the military.
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I was gone from my family for about a year and a half, doing the whole basic AIT that stint.
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And then after I came back, I literally the first week I was back on the job.
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Uh had a part-time job with Target.
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I went full-time with them for about three weeks, and I really realized that hey, I'm not fulfilled here.
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Yes, I'm making a little couple of extra dollars, especially for somebody who's 18, 19.
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You're happy to have that job.
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But I was like, hey, down the line, I need something career-oriented.
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That's when the search for my purpose actually began.
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I did some research, ended up in the electrical industry or the construction industry.
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Same thing, super ambitious.
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I was there for about four years working in the field on my third year of school.
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I was literally about to graduate.
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At that time, I had also been in this business for about a year and a half or a year.
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Now it's a year and a half.
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And I saw the potential of what it could be, and I was just analyzing my different options.
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Okay, I want to provide a certain type of lifestyle for my family, especially being first generation.
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My parents are from Jamaica and Trinidad.
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I was like, hey, I want to be able to help out.
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And I've always had that mission in the back of my head from a young age.
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So ended up quitting my job.
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Probably not the best idea because I probably wasn't in the best financial spot to quit a job.
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And then on top of that, I was traveling all over the place.
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Not only do I not have a steady source of income, I'm spending a thousand, two thousand dollars a month just on travel.
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Fast forward, I got into this business.
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I was helping families, but I sat down with one of my military buddies and I realized that they didn't even know anything about their retirement plan.
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They were just about to get out, and they were just getting out because they didn't like the unit, they didn't like the environment they're in, but they didn't really have an actionable plan.
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They're just getting out because they didn't feel like that was the place they needed to be.
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Hey, we have all of these different benefits, and there's no reason why a service member should be separating from the military without some sort of plan, some sort of passive income or protection for their family.
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That's when the mission changed from, okay, I have this business where I'm able to make a couple of extra dollars on the side part-time to, hey, I want to fully commit to being not only the subject matter expert when it comes to finances, but helping veterans get connected with people who can take them A to Z, not just in, you know, what I do, the life insurance side, but real estate, even disability benefits, education benefits, the whole nine yards.
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So that's the network I've been building out.
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Wow, that's awesome.
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I am proud of you, the young man that do all of that.
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And the thing about to put your family up front to say, what can I do to help to be better?
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That is awesome.
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Kudos to you.
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And it's just something that a lot of young adults don't think about.
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How can they help other people and educating them?
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But the best thing about it is that you're educating your military buddies.
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What is your retirement like?
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What do you do?
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Because we don't think about that.
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I'm just blessed to be able to work in for 36 years and had the old retirement.
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A lot of people don't have that.
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And that's how I was able to retire early in my life.
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For me to have that 401k, to have that pension plan, the lump sum plus the monthly pension plan.
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So that blessed me that I didn't have to say, Oh, I got to go back to corporate because I didn't have the age.
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But it's a blessing that you are educating, and that's really what it's about educating and empowering people and doing what you're doing, Elijah.
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I'm so proud of you.
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I appreciate it.
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Adova Digital and your partnership with Global Financial Impact come to your life.
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And I think you're talking about that a little bit, but let's dive into that a little bit more.
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Yeah, so like anything, I was super ambitious.
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In between that period of me like getting into the electrical industry and then getting started with global financial impact, I was at a point where I was trying anything.
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People online, there are a bunch of gurus talking about, oh, you could learn how to trade crypto, you could learn how to trade stocks.
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I was one of those guys.
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There were some months where I was making a lot of money and it was like unbelievable.
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And then there were some months where I wasn't making any money and I'm chasing trades the whole nine yards.
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My buddies in the military knew this about me.
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They knew I was like mission focused when it came to building my finances and helping my family.
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But I had to transition from doing something that's a little bit more risky and requires a lot more time to something that's sustainable where I can actually build a foundation for my family.
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So one of my buddies introduced me.
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He said, Hey, I know you're interested in finances, you day trade and all that.
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Have you ever considered getting licensed or learning about how to help other people inside of the industry?
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I said, Nah, but my parents they came over here, they gave me an opportunity just to be inside of the United States.
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Any opportunity that I get, I'll take it for granted.
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So I sat down with them fast forward about a year and a half.
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I'm still inside of the business.
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I'm actually full-time.
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And yeah, that's how I got started.
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I am, and you listen.
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The thing about it, and the opportunity that you get when you did come over here to be able to take advantage of that opportunity.
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Us here in the US don't realize the opportunities that they have just to take it.
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No, that is great.
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What core mission drives the work you do every day with your clients?
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Really helping educate them because initially, when I started Adova Digital, it was meant to be like uh pass-through for tax purposes.
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Now, recently, when I went full-time, I changed it to a financial education business.
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And again, the main reason that is is there's a crisis right now when it comes to people retiring.
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A lot of people only have a 401k, it's about 185,000 inside of their account by the time they retire.
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So that if you think about people who are working at Walmart or Publix, no knock on them.
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But the reason why you see older people still working these jobs is because they didn't have enough for retirement.
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Nobody told them.
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Now, if it was my family, I would be distraught and I'd probably want to pick up a slack for them, even though it's not my responsibility.
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They live their life, but at the same time, like the love that you have for them, I want to be able to provide that same thing for everybody else.
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And it's one of the things we talk about at global financial impact with our fulfillment formula.
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Okay, let's make sure we're growing inside of our faith, we're growing with our family, our finances, inside of our fitness, and then we're having fun while we're doing it.
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That's awesome.
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That is really, I love it.
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I love how you put all that into a nutshell because I tell you, I got I didn't know about uh we're from and of course we moved here from New Jersey to Atlanta.
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And 2008, we still had a house in New Jersey that we hadn't sold, and that's when the market went down.
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I tell you, 2008, I lost, and I didn't know about how to do that finding.
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I was it was in the IBM system, but I needed a financial advisor to help me with this.
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I lost$55,000,$55,000 in my form account.
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I was like, oh my God.
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I said, okay, I gotta stay here a little bit longer.
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And of course it built back up, thank God.
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But when I that happened to me, I even though IBM was tracking all that, but I needed some an independent financial advisor.
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And he was able to help me with that and take it and put it into an annuity.
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When I retired, I was gonna retire.
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He took my 401k, put it into annuity, and that way I can get my monthly check from that.
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And the annuity that I have actually, even if it runs out of money, I still get paid.
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I love that.
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What you're doing, the education, because I'm not educated.
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That's not my that's not what I do.
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I wanted somebody that had that experience in doing that.
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So what you're doing, it's awesome.
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Many families struggle to understand financial products.
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What's your education first approach all about that?
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Basically, like my process of educating people?
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Yes.
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Yeah.
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By them for the families are struggling.
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A lot of us, just like I was telling you before, they don't understand the financial different products that you may have.
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So, what's your education first approach all about?
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How do you educate?
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Well, first I realize that people aren't really compelled to move or change their situation until you highlight the I call them pain points or areas where there's like holes in their financial boat.
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Typically, the first thing I'm gonna do is try and get them on a call, and I do that by leveraging those holes in their boat.
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And it's really it really comes down to listening because everybody's financial situation is different.
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And yes, I can recommend all these different products, but first you have to basically be approved for it, and then at the same time, it has to be a right fit.
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In order for me to play matchmaker with that, I need a better idea of what the financial situation is.
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That's the first call.
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The discovery, I'm showing them all the different ways we can help, and I pitch it as hey, you may see value in some of these things, but who do you know who also sees value inside of these things?
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Say we move forward.
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I may only be able to help with one or two things right now, and it's more of a long-term plan, but I'm pretty sure coworkers and friends who could benefit from the same information I gave you.
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And I tell my military buddies all the time, I'm like, hey, I'm educating you guys, but the same thing I'm educating you on is the same thing people who are outside of the service can still use.
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Right.
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And that is so true.
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Like for service members and veterans, like what you said, what makes their financial planning needs unique by them being in the military?
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What makes that unique by you helping them?
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Them, it's mainly using their benefits.
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Most veterans don't even use their benefits, know that they have them.
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I believe last time I checked the number, it was like 13% of veterans actually use their VA home loans, stuff like that.
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The main thing is getting in front of them, especially before they separate from the military, and some of those benefits drop off to say, hey, what's the game plan?
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Like, I know you probably joined the military, want to serve the country, to be a part of something bigger than yourself, but ultimately there's some personal interest inside of it too.
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You like you're if it's somebody like me, like I wanted to put my family ahead, set that foundation, and that the military was something for me to stand on in order to start building my fan foundation.
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So, whatever that motivation is, we start there, and then we make sure that they're also connected with resources that are going to help them get to their goals.
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That's awesome.
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That's awesome.
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You often mention integrating IULs, whole life annuities with TSP and SGLI.
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Can you explain how that works in simple terms?
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Because a lot of people say, okay, what is this IUL?
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What is it?
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Can you explain a little bit about that?
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Yes.
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Breaking down the IUL first, it's actually a form of whole life or permanent life insurance.
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Um, and it's tied to a stock index.
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It's not directly invested into the actual index, but they're using it as a metric to basically track how much they should credit your account year over year.
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Because these insurance companies, they're the ones backing up the bank.
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I'm pretty sure you heard of the FDIC.
00:13:44.960 --> 00:13:46.879
That's also an insurance company.
00:13:47.279 --> 00:13:49.120
Everything runs through insurance.
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Your car, you insure that.
00:13:50.720 --> 00:13:53.200
Most people they get a brand new phone, they insure that.
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Their home, they insure that, but nobody teaches us how to actually insure our money.
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So, with the IULs, that's one of the ways that we're able to do that.
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Also, through terms, we can use that to collateralize assets and then through annuities as well.
00:14:07.600 --> 00:14:14.639
To, like you said, make sure that there's a guaranteed income source month over month when people are retired, regardless of what the market does.
00:14:15.120 --> 00:14:18.240
But IULs is the big flashy word right now.
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I'm breaking it down simply.
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It stands for index universal life.
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Like I said, it's tied to an index.
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It allows you to get, I wouldn't say stock market gains, but something similar.
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And it also protects you from the downside of the market when, say, there's a 2008 market, a 2008 housing market crash, or there's something like COVID that kind of plummets the markets.
00:14:40.639 --> 00:14:41.360
Yeah, absolutely.
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Everything that's going on in this world today, we don't know what we're going to be going.
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Just protecting yourself.
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That's great.
00:14:46.399 --> 00:14:48.799
And educate, continue to educate people in that.
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IULs versus traditional plans, upside participating with downside protecting.
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Who is it for and who it isn't for?
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Perfect.
00:14:57.919 --> 00:14:58.720
I love that question.
00:14:58.799 --> 00:15:00.159
I appreciate you asking that too.
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IULs are great for somebody who's got a little bit more time for their money to grow.
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I would say whole life policies, the cash accumulation inside of those are still great.
00:15:11.440 --> 00:15:18.480
And if somebody's looking for something more steady, more consistent, I definitely put them in a traditional whole life policy over the IUL.
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But what the IUL allows you to do is have a pool of money, say you want to start a college fund for your kid.
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You can use it for that.
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It's super versatile, super flexible on how you can structure it.
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Say you wanted to provide a large death benefit.
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You're trying to basically provide cash for your camp, your family, or a cash injection into your family trust when you pass away, you're able to do that with it, but you're also able to structure it to where it's like another retirement or savings account.
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