protect, save and grow while lowering risk...
The Infinite Banking Concept (or IBC) is the process by which one becomes their own banker, as taught by the late Nelson Nash. In his definitive book on the subject, Becoming Your Own Banker, Nash explains how whole life insurance policies uniquely function as dividend-paying assets through accrued equity; And the many creative ways one can utilize this liquid cash value, such as:
As Nash famously taught, the equity or cash value(s) specific to whole life insurance policies serve as collateral for all policy loans. So long as premiums are current, the policyholder simply calls the insurance company and requests a loan against their equity. The insurer on the phone won’t ask what the loan will be used for, what the income of the borrower (i.e. policyholder) is, what other assets the person might have to serve as collateral, or in what timeframe the person intends to pay back the loan. The checks for these loans are often sent out as soon as the next business day.
In contrast to term life insurance products, which cover only the beneficiaries of the policyholder in the event of their death, whole life insurance covers an individual’s entire life. When structured properly, whole life policies generate a unique income stream that increases the equity in the policy over time.
In today’s world, one driven by the convenience of consumption, too many take for granted our nation’s purest founding principles: freedom and justice. Most people never stop to consider how the products of their bank fit in with these virtues. So, we pose the simple question, “Do you feel liberated or justified by operating within the constraints of commercial lines of credit?”
Our mission is to educate and inspire all people to take charge of their financial lives by reclaiming the banking function from outsiders, because this step is pivotal in the pursuit of individual liberty, fully realized.
We're all busy.
We make a financial decision and keep moving.
That new promising financial product ends up with the others in the junk drawer.
That junk drawer represents the best financial thinking of you and your advisors.
I align those products in a way that compliments the others. Maximizing the attributes of each.
Now the pieces are driving you closer to your maximum financial productivity....with less risk and more certainty.
As a landscape contractor, I would often be called upon to make a property have better curb appeal.
I understand... However, a bigger issue was ALWAYS lurking.
Drainage, nutrient-deficient soil, or even a landscape around a home with a failing foundation.
As I learned the psychology of property maintenance, I continued moving toward the ROOT problems.
It became obvious. The issue was always INFORMATION and MONEY.
Clients were unaware of the unique needs of a species...
UNAWARE of the Risk from a Threat...Ex. pest, structural, financial.
Financial issues became the common denominator.
I found a new career direction...23 years ago.
Today, clients are referred to me often willing to increase risk for return. Once we review their existing financial landscape and all of the surrounding issues...They always realize greater gains with LESS RISK simply with proper alignment.