Black Wall Street Financial Literacy Foundation & Insurance Agency
Empowering African American communities through faith-driven financial education and insurance solutions rooted in biblical stewardship and generational wealth building.
Our Divine Mission
Faith-Driven Initiative
Dedicated to uplifting African American families through financial education and insurance solutions rooted in biblical principles of stewardship, faith, and divine wisdom.
Inspired by History
Drawing strength from the resilience and unity exemplified by Tulsa's historic Black Wall Street, honoring the legacy of economic empowerment and community prosperity.
Generational Wealth
Raising up the next 100,000 million-dollar babies—African American children who will walk into wealth because of today's faithful stewardship and strategic financial planning.
Our Vision & Mission
Vision
To empower African American communities through God-inspired financial wisdom, cultivating generational wealth, economic dominion, and legacy stewardship that transforms families for generations to come.
Mission
To equip individuals, families, businesses, and organizations with divine financial strategies through comprehensive education and affordable insurance, rooted in biblical stewardship and faith-based principles.
Foundation
A for-profit organization based in Atlanta, Georgia, proudly aligned with the Russell Innovation Center for Entrepreneurs to uplift communities economically and spiritually.
Our Financial Philosophy
At the heart of our practice, we firmly believe that financial literacy is the cornerstone of true freedom. We understand that genuine wealth extends beyond mere income; it encompasses ownership, robust protection, and profound purpose. Our unique philosophy seamlessly blends faith-driven wisdom with strategic financial science, guiding our clients toward holistic balance across four essential pillars that work together to create lasting prosperity.
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Cultivate Wealth
Build and expand your assets through strategic investments, entrepreneurship, and purposeful financial planning that honors God's provision.
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Protect Wealth
Safeguard your income, property, and enduring legacy with comprehensive insurance and sound legal structures that shield your family's future.
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Grow Wealth
Maximize your financial potential through intelligent, diversified strategies designed for sustainable expansion and long-term prosperity.
04
Transfer Wealth
Ensure your legacy continues to thrive across generations with meticulous planning, dedicated education, and biblical stewardship principles.
Empowering Your Financial Journey: Comprehensive Services
We believe financial stewardship is a calling, offering a holistic suite of personalized financial services and robust insurance solutions. Our expertise is meticulously crafted to empower individuals, families, and business owners to not only build and secure their legacy but to do so with enduring purpose and precision, guided by principles that transcend market fluctuations and economic uncertainty.
Cultivate & Grow Wealth
Unlock your financial potential through strategic planning that integrates insightful investment management, tax-efficient strategies, and entrepreneurial guidance to expand your assets and maximize sustainable growth for generations to come.
  • Retirement & Education Planning
  • Investment Portfolio Management
  • Business Financial Strategy
Protect Your Legacy
Safeguard what matters most with comprehensive insurance solutions and meticulous estate planning designed to shield your income, property, and the future you envision for your loved ones from unforeseen challenges and economic hardship.
  • Life & Disability Insurance
  • Estate & Trust Planning
  • Risk Management Assessment
Transfer Wealth with Purpose
Ensure your values and assets thrive across generations through our legacy planning and philanthropic advisory services designed to facilitate meaningful wealth transfer, empowering future inheritors with both resources and wisdom.
  • Generational Wealth Transfer
  • Philanthropic Giving Strategies
  • Financial Education for Heirs
Tax-Free Retirement & Asset Protection
Tax-Free Retirement Strategies
We specialize in building retirement plans that allow your money to grow without the burden of future taxes. Using life insurance-based retirement accounts and Roth strategies, we design personalized plans that create guaranteed, tax-free income streams during retirement.
Clients benefit from market protection, liquidity, and control, ensuring they can retire comfortably without worrying about rising tax rates or government policy changes that could diminish their hard-earned savings.
Market Loss & Asset Protection
Volatile markets and economic uncertainty can threaten your hard-earned savings. Our asset protection strategies are designed to mitigate market risk while maintaining long-term growth potential through proven financial instruments.
We utilize indexed financial products, annuities, and structured life insurance solutions that safeguard your principal while allowing you to benefit from market gains. This approach ensures your money continues to grow even when the market fluctuates—helping preserve your wealth and protect your peace of mind.
Business Owner Financial Strategies
Entrepreneurs are the backbone of every economy—and we specialize in helping them thrive. Our business financial services include tax optimization, business succession plans, executive compensation strategies, and buy-sell agreements that protect your enterprise from unexpected transitions.
We also design employee benefits, key person insurance, and retirement solutions to help business owners attract top talent, retain valuable employees, and protect against the loss of critical team members who drive your company's success.
Launch
Starting your business with proper financial foundations
Scale
Growing your enterprise with strategic financial planning
Exit
Preparing for successful business transition or sale
Whether you are launching, scaling, or preparing to exit your business, we provide the structure and guidance to protect your enterprise and your legacy while ensuring continuity and prosperity.
Million Dollar Baby College Fund
We help parents and grandparents secure their children's futures through the Million Dollar Baby Plan, a strategic financial approach that turns modest monthly contributions into powerful, tax-advantaged growth over time.
These specially designed accounts can later fund college tuition, a home purchase, business start-up capital, or provide a substantial financial foundation—giving your child or grandchild a significant head start toward success and eliminating the burden of student debt.
Start Early
Begin investing $100 monthly when your child is born
Watch It Grow
Tax-advantaged growth compounds over 18-22 years
Secure Their Future
Access funds for education, business, or homeownership
Family Bank & Infinite Banking Wealth Strategies
The Family Bank System allows you to become your own banker by creating a private financing system within your household. Using properly structured whole life insurance policies, you can borrow from your policy, pay yourself back with interest, and create a cycle of self-sustained wealth that multiplies over generations without depending on traditional banks.
How It Works
  1. Fund a specially designed life insurance policy
  1. Build cash value that grows tax-deferred
  1. Borrow against your policy for major purchases
  1. Repay yourself with interest instead of banks
  1. Pass the wealth to your children and grandchildren
Key Benefits
  • Build liquidity while maintaining death benefit protection
  • Eliminate dependence on traditional banking institutions
  • Create generational wealth transfer mechanisms
  • Encourage family-level financial education and unity
  • Maintain control over your money at all times
This approach builds liquidity, eliminates dependence on traditional banks, and encourages family-level financial education and unity. It's not just about money—it's about creating a legacy of financial wisdom and independence.
Critical, Chronic & Terminal Illness Support (Living Benefits)
Life is unpredictable—but your financial future doesn't have to be. Our living benefit life insurance plans provide financial support when you need it most, offering peace of mind during life's most challenging moments.
If diagnosed with a covered critical, chronic, or terminal illness or medical condition, you can access your policy's death benefit while still alive to cover medical bills, experimental treatments, in-home care expenses, or lost income during recovery.
Critical Illness
Heart attack, stroke, cancer, organ transplant coverage
Chronic Illness
Long-term care needs and assistance with daily activities
Terminal Illness
Financial dignity and family support during final months
This ensures that you and your family remain financially secure even in the face of health challenges, allowing you to focus on recovery rather than financial stress.
Trusts, Wills, & Legacy Planning
Legacy planning ensures that your wealth, values, and intentions are carried forward exactly as you envision. Through comprehensive trust and estate planning, we help you organize your assets, minimize taxes, and create a clear roadmap for generational success that honors your life's work.
This process preserves family harmony by eliminating confusion and conflict, prevents unnecessary legal battles that can tear families apart, and provides your heirs with clarity and protection for decades to come.
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Assessment
Inventory your assets and define your wishes
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Documentation
Create wills, trusts, and legal structures
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Implementation
Fund trusts and assign beneficiaries properly
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Review
Update regularly as life circumstances change
Long-Term Care & Budgeting Essentials
Long-Term Care & Living Benefits
Planning ahead for long-term care is an essential part of responsible financial management. We offer customized long-term care insurance solutions that provide coverage for extended medical or in-home care—protecting your savings from being depleted by rising healthcare costs that can devastate family wealth.
These plans are flexible, affordable, and often include living benefits that allow you to access funds while maintaining control of your assets. This ensures dignity and quality care without financial burden.
Budgeting & Expense Management
True financial success begins with strong foundations. Our budgeting and money management programs help you understand where your money is going, prioritize financial goals, reduce unnecessary expenses, and build sustainable habits that create lasting prosperity.
Through modern financial tools and one-on-one coaching, we empower clients to make informed decisions, eliminate high-interest debt, and free up cash flow for savings and investments that build generational wealth.
Retirement Rollovers & Return of Premium Insurance
401(k), IRA, & Retirement Account Rollovers
If you've changed jobs or retired, your retirement savings should continue working for you with the same diligence you worked to earn it. We offer rollover services to move funds from your previous employer's plan into safe, growth-oriented accounts that align with your financial goals and risk tolerance.
Our process ensures tax efficiency, asset protection, and consistent growth, helping you maintain control over your future income while avoiding penalties and maximizing your retirement potential.
Term Life Insurance with Return of Premium
Life insurance should work for you—not just your beneficiaries. Our Return of Premium Term Life Insurance gives you peace of mind by protecting your family during critical years, while refunding 100% of your premiums if you outlive your policy term.
This innovative product combines affordability with flexibility, ensuring that your investment in protection also builds financial value. It's the best of both worlds—complete protection with guaranteed return.
Faith-Based Financial Education
We believe that financial wisdom and spiritual principles go hand in hand. Through community workshops, educational programs, and mentorship, we teach individuals and families how to apply faith-driven financial strategies to achieve stability and lasting success.
Wealth Creation & Legacy Building
Learning the biblical principles of building wealth that honors God and blesses future generations through strategic planning and faithful stewardship.
Biblical Stewardship & Kingdom Economics
Understanding that everything belongs to God and we are managers of His resources, making financial decisions that advance His kingdom on earth.
Financial Discipline & Entrepreneurship
Developing the character and habits necessary for financial success, including delayed gratification, wise planning, and entrepreneurial thinking.
Youth Financial Literacy & Early Investing
Teaching the next generation to manage money wisely from an early age, establishing patterns of saving, investing, and giving that will serve them for life.
By transforming financial understanding, we help our clients transform their lives, their families, and their communities—creating a ripple effect of prosperity that extends for generations.
Our Commitment to Community
The Black Wall Street Financial Literacy Foundation & Insurance Agency exists not just to make a profit—but to make a difference. We invest in financial education programs, youth mentorship initiatives, and business development opportunities that uplift underserved communities and restore economic power.
Our goal is to restore economic power and ownership to families who have historically been excluded from financial opportunity through systemic racism, discriminatory lending practices, and generational poverty. We're rebuilding a modern-day version of Black Wall Street that thrives in every city and every home across America.
Protect What Matters Most
When you think about the future, consider what truly matters—your family's security, your personal freedom, your health and wellbeing, and the legacy you'll leave behind. Each decision you make today shapes the financial story your children and grandchildren will inherit.
Through strategic planning, disciplined saving, and faith-based financial stewardship, you can create a foundation that ensures security, growth, and peace of mind for generations to come. The time to start is now.
The Black Wall Street Insurance Initiative
Inspired by Herman Russell
Divinely Inspired Leadership
Our foundation is divinely inspired by Herman Russell's transformative role in building Atlanta through unwavering faith, innovative entrepreneurship, and dedicated community upliftment that changed the face of the South.
Atlanta Life Insurance Legacy
Carrying forward the mission-driven legacy of Atlanta Life Insurance Company, which provided essential protection for Black families and businesses during times of segregation, discrimination, and systemic injustice.
Rebuilding What Was Destroyed
Using faith-filled insurance solutions to restore, protect, and multiply what rightfully belongs to our people—reclaiming the economic power destroyed in Tulsa and countless other communities.
Our Insurance Offerings
Vehicle Protection
Auto insurance tailored to your specific needs and budget, providing comprehensive coverage that protects you on the road.
Property Coverage
Home, business, and renters insurance to protect your most valuable assets from fire, theft, natural disasters, and liability.
Life & Health
Life insurance, long-term care, health, Medicare, dental, and critical illness coverage to protect your family's wellbeing.
Additional Protection
Identity theft protection and LegalShield services for personal and business legal protection when you need it most.
Financial Literacy & Stewardship
Legacy Building
Creating 100,000 million-dollar babies through intentional planning and generational wealth strategies
Strategic Investment
$100 monthly into life insurance policies for generational wealth that compounds over decades
Biblical Stewardship
Managing God-given resources with wisdom and purpose according to scripture
AI-Powered Tools
We embrace AI as a tool of divine wisdom to enhance financial literacy, improve decision-making, and empower individuals to manage resources effectively, aligning with biblical principles of stewardship and excellence.
Join Our Kingdom Movement
Cultivate Financial Wisdom
Unlock enduring knowledge and wisdom, grounded in biblical principles, for sound financial stewardship.
Safeguard Your Legacy
Ensure the security of your assets and family's future through comprehensive, faith-aligned protection.
Cultivate Generational Prosperity
Strategically invest with divine vision and purpose, building lasting prosperity for generations to come.
Advance Collective Empowerment
Uplift and empower entire communities through collaborative economic initiatives and shared stewardship.
Discover more about our transformative services and embark on your path to financial stewardship today:
The Power of Generational Wealth
Financial Education
Learning biblical principles of money management and stewardship
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Disciplined Saving
Consistent investment in future generations through strategic planning
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Wealth Accumulation
Assets growing over time through compound interest and wise investments
Legacy Transfer
Passing wealth and wisdom to the next generation with purpose
This perpetual cycle creates lasting prosperity that extends beyond money—it builds a legacy of wisdom, opportunity, and blessing that transforms entire communities for generations to come.
Our Strategic Partnerships
Financial Experts
Collaborating with industry-leading financial planners, certified public accountants, and wealth management professionals dedicated to strengthening economic foundations within African American communities.
Insurance Specialists
Partners offering innovative insurance solutions specifically tailored for wealth creation and preservation in underserved communities, bringing decades of experience and commitment.
Investment Strategists
Advisors providing expert guidance in asset management, portfolio diversification, and financial planning for sustainable empowerment and generational wealth building.
The BWS Access Platform™
Our proprietary platform revolutionizes how insurance and financial services are delivered to African American communities, providing comprehensive tools and support for both licensed professionals and aspiring agents.
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Comprehensive Tools
Equipping both licensed and non-licensed professionals with state-of-the-art comparative raters, personalized websites, consumer quoting capabilities, and back-office support that streamlines the entire sales process.
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Professional Support
Providing binding capabilities, errors and omissions insurance, dedicated customer service teams, and ongoing training to ensure agent success and client satisfaction at every level.
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Fair Compensation
Commission structure designed with fairness and integrity at its core, enabling agents to achieve their highest God-given potential while serving their communities with excellence and purpose.
Investing Like Missionaries, Not Mercenaries
We are called to plant seeds with divine purpose, not just for immediate profit—investing in our communities with vision, faith, and long-term commitment to generational prosperity and Kingdom advancement.
Missionaries
  • Serve with purpose and calling
  • Build lasting relationships
  • Focus on community transformation
  • Measure success by impact
  • Create generational change
Mercenaries
  • Serve for profit alone
  • Transaction-focused approach
  • Extract value without giving back
  • Measure success by earnings
  • Move on to next opportunity
Faith-Based Financial Education
Youth Financial Literacy
Equipping the next generation with biblical financial principles from an early age, teaching them the value of saving, investing, and giving through age-appropriate programs and hands-on activities.
Adult Mentorship
Providing personalized guidance to adults seeking financial wisdom and independence through one-on-one coaching, accountability partnerships, and practical application of biblical stewardship principles.
Community Workshops
Bringing financial education directly to neighborhoods, churches, and faith communities through engaging workshops, seminars, and educational events that make complex concepts accessible to everyone.
Insurance Solutions for Organizations
Our tailored insurance strategies protect organizations against unique operational risks while upholding the values of responsible stewardship, organizational sustainability, and community service that define purpose-driven institutions.
Faith-Based Organizations
Specialized coverage for churches, ministries, and religious organizations including property protection, liability insurance, pastoral coverage, and event insurance tailored to worship and community service activities.
Professional Associations
Tailored protection for member-based groups, fraternities, sororities, and professional networks including directors and officers liability, event coverage, and member benefit programs.
Black-Owned Businesses
Comprehensive coverage for entrepreneurial ventures including general liability, property insurance, business interruption, workers compensation, and specialized industry-specific protection.
The Power of $100 Monthly Investment
A modest $100 monthly investment in a properly structured life insurance policy for a newborn child can grow to over $1 million by the time they reach adulthood, providing them with unprecedented financial opportunity and freedom.
This cash value can be accessed tax-free for college tuition, business start-up capital, home down payment, or retirement income—while the death benefit continues to protect the family throughout their lifetime.
Embracing Technology for Kingdom Advancement
24/7
AI-Powered Support
Continuous assistance through divine wisdom-inspired technology that answers questions, provides guidance, and offers personalized recommendations at any time of day or night.
100%
Personalized Analysis
Tailored financial insights for individual needs based on your unique circumstances, goals, and values—delivering recommendations that align with biblical principles of stewardship.
3X
Enhanced Decision-Making
Improved financial choices through data-driven guidance that helps you see patterns, opportunities, and potential pitfalls before making major financial commitments.
Just as Solomon sought wisdom from God to govern wisely, we utilize AI to enhance financial literacy and empower individuals to manage resources effectively, always subordinating technology to timeless biblical truth.
Frequently Asked Questions
Why focus on life insurance for wealth building?
Life insurance is one of the few financial vehicles that provides guaranteed growth, tax advantages, liquidity, and protection all in one package. Unlike stocks or real estate, properly structured life insurance policies offer guaranteed returns, protection from market volatility, tax-free growth and withdrawals, and immediate death benefit protection—making it ideal for generational wealth building in communities that have historically been excluded from traditional wealth-building opportunities.
How does the $100/month investment work?
When you invest $100 monthly into a whole life insurance policy for a child from birth, the premium stays level for life while the cash value grows guaranteed and tax-deferred. Over 65 years, your total investment of approximately $78,000 can grow to over $1 million in cash value plus an additional death benefit—providing the child with college funding, business start-up capital, home down payment options, and retirement income. The policy builds wealth while protecting the family, and can be borrowed against without triggering taxes or penalties.
What makes your approach faith-based?
Every aspect of our work is grounded in biblical principles of stewardship, which teach that God owns everything and we are managers of His resources. We integrate scripture into our financial education, emphasizing principles like delayed gratification (Proverbs 21:5), leaving an inheritance for children's children (Proverbs 13:22), planning for the future (Proverbs 21:20), and using wealth to bless others (1 Timothy 6:17-19). Our advisors pray with clients, align strategies with Kingdom values, and see financial success as a means to advance God's purposes—not an end in itself.
Testimonials from Our Community
The financial literacy program transformed our family's approach to money. We're now building wealth with purpose and faith, creating a legacy for our children's children. The Million Dollar Baby plan we started for our grandson gives us such peace knowing he'll have opportunities we never had.
— The Johnson Family
As a church leader, the organizational insurance solutions provided protection we didn't know we needed. Their faith-based approach aligned perfectly with our values, and the coverage protects our ministry, our building, and our mission to serve the community for decades to come.
— Pastor Williams
Starting my insurance policy for my newborn grandson was the best decision. Knowing I'm building his future million-dollar legacy brings me peace and joy. He'll be able to go to college debt-free, start a business, or buy a home—opportunities I never had.
— Grandmother Washington
Become an Agent or Partner
Join our mission to restore economic power to African American communities by becoming a licensed insurance agent or partnering with our organization to expand access to financial literacy and protection.
Get Licensed
Receive guidance and support through the licensing process with study materials and mentorship
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Access Our Platform
Utilize our comprehensive BWS Access Platform™ with tools, training, and technology
Join Our Community
Connect with like-minded professionals committed to serving with purpose
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Build Your Business
Earn fair commissions while serving your community and building generational wealth
For more information on joining our platform or launching your agency with our support, visit bwsinsuranceagency.com or contact us directly to schedule a consultation.
A Beacon of Faith, Determination, Progress, Hope & Financial Empowerment
Illuminating the Path
Guiding our communities toward financial freedom through faith-based principles of stewardship, discipline, and generational thinking.
Overcoming Obstacles
Building resilience and determination to surmount historical and systemic challenges that have prevented wealth accumulation.
Growing Prosperity
Nurturing the seeds of wealth that will blossom for generations to come through strategic planning and faithful stewardship.
Empowering Communities
Equipping our people with the knowledge, tools, and protection to thrive financially and spiritually for generations.