December is a strange time for money.

You’re wrapping up the year…
You’re reflecting on what worked and what didn’t…
And maybe — just maybe — you’re realizing things didn’t move forward as much as you hoped.

Here’s the good news:
It’s not too late to course-correct.

In fact, how you finish the year could be the biggest factor in how you start the next one.
And there’s one strategy that quietly helps people finish stronger — while creating unstoppable momentum for what’s ahead:

It’s called the Infinite Banking Concept.

---

🌀 The End-of-Year Trap Most People Fall Into

For most people, December looks like this:

• Year-end spending spikes
• Retirement accounts are reviewed with crossed fingers
• Resolutions get scribbled down with good intentions
• Nothing meaningful changes

They wait until January to “get serious”…
Then life happens, and nothing sticks.

But momentum isn’t built on dates.
It’s built on decisions.

---

💡 Infinite Banking: The Strategy That Doesn’t Hit Reset Every January

The Infinite Banking Concept, introduced by R. Nelson Nash, is about building a personal financial system that gives you control, flexibility, and growth — no matter what time of year it is.

It starts with a properly structured whole life insurance policy from a mutual company.

And when used the right way, it helps you:

• Grow cash value consistently (even in down markets)
• Access your capital at any time — without penalties
• Use your money without interrupting compound growth
• Avoid end-of-year tax pressures or market timing traps
• Start the new year from a place of control, not chaos

This isn’t a flashy year-end hack.
It’s a long-term system that works year after year — with more power the longer you use it.

---

📈 Real-World Impact: Finishing Strong Looks Different with a System

Imagine this:

Instead of scrambling to spend down accounts or max out random tax shelters, you end the year by:

• Paying off high-interest debt using a policy loan
• Moving idle cash into a vehicle that grows tax-deferred
• Setting your 2025 financial plan using a tool you fully understand and control

You’re not reacting anymore — you’re strategically redirecting your money.

And that kind of clarity at the end of the year?
It sets you up to win from day one of the next.

---

🔁 Momentum Is a Decision — Not a Date

You don’t need to wait for January 1st to start building momentum.
You can start right now — even with something small.

What matters is building a system that:

• Works in the background
• Grows while you use it
• Gives you peace of mind all year long

That’s the power of Infinite Banking.

---

🧠 Final Thought: Don’t Just Reflect — Realign

It’s fine to look back.
But what matters most is what you do next.

Because momentum doesn’t come from wishing.
It comes from building a foundation that works every single day — not just when the calendar flips.

---

👉 Ready to finish strong and start smarter?

🔘 Download the Free Guide to Infinite Banking
🔘 Schedule a Call and explore how to make this your most strategic year yet

Let’s make this the year you stopped hoping — and started building.

In this constantly evolving financial landscape, the buzz around cryptocurrencies and blockchain technology seems to be growing louder by the day. This brief article aims to shed light on these topics and their potential implications on our financial systems.

Cryptocurrencies, led by the flag-bearer Bitcoin, have been in the spotlight for their potential to redefine money transactions. These digital assets promise decentralization, security, and ease of global transactions, thus attracting a huge interest from investors and technologists alike. However, they also bring along risks and volatility that need to be thoroughly understood.

On the other hand, blockchain, the underlying technology of cryptocurrencies, is being lauded for its potential far beyond digital currencies. From supply chain management to secure voting systems, blockchain could bring about transparency and efficiency in numerous industries.

As we navigate these new waters, it’s crucial to stay informed and understand the complexities involved. Despite the promise they hold, cryptocurrencies and blockchain also present potential pitfalls. It’s important to conduct proper research or consult with a financial advisor before making any major decisions in this domain.

In light of the dynamic and sometimes unpredictable world of cryptocurrencies and blockchain, it’s crucial to also consider alternative financial strategies that offer steady growth and security for your funds.

One such strategy is the Infinite Banking Concept (IBC).

The Infinite Banking Concept is based on the use of a properly structured, dividend-paying whole life insurance policy. The goal is to create a system where you essentially become your own bank. Over time, as you pay premiums and earn dividends, you can grow a substantial cash value within your policy. This cash value can be borrowed against for any purpose, all while your policy continues to earn dividends.
One of the main benefits of Infinite Banking is its predictability. Unlike cryptocurrencies, which can be extremely volatile, the growth of a whole life insurance policy is guaranteed and steady. You won’t need to worry about sudden market changes devaluing your investment. Instead, you can feel secure in the knowledge that your funds are growing at a consistent rate.

Additionally, the Infinite Banking Concept provides a unique blend of liquidity, use, and control of your money. By becoming your own bank, you can have access to your money without the penalties, fees, and restrictions that can come with other financial products.

In the ever-changing financial world, staying informed about a broad range of options is the best way to ensure the growth and security of your investments. Whether you’re considering dipping your toes into cryptocurrencies, or pondering the Infinite Banking Concept, careful consideration and sound financial advice are essential.

Remember, financial security is a journey, not a destination. Patience is key. Think long-range.

Want to learn more about Infinite Banking? Reach out!

The Infinite Banking Concept (IBC) is a financial strategy that involves using Whole Life Insurance policies as a means to build wealth, create a tax-advantaged savings vehicle, and provide a source of financing for various personal and business needs. In the purest sense, and how Nelson Nash intended it, the Infinite Banking Concept is best done through Whole Life and not Index Universal Life (IUL) policies. The reasoning in short, is because the whole idea of “being the bank” is getting away from the market risks, and have a safe, secure and guaranteed growth throughout the life of the policy, thus replacing the banking function in your life over time. In the information below, I have tried to take an objective approach to explain the differences between the two, though I do believe that Whole Life is the best way to go for most.

Here are the key differences between these two types of policies as they pertain to the IBC:

1. Policy structure:
   • Whole Life: A Whole Life policy offers a fixed premium, guaranteed death benefit, and a cash value component that grows at a guaranteed minimum interest rate. It is designed to last for the insured’s entire life, as long as the premiums are paid.
   • IUL: An Indexed Universal Life policy, on the other hand, has more flexibility in premium payments, adjustable death benefits, and a cash value component that is linked to the performance of a stock market index, such as the S&P 500. The policy allows for potential higher returns based on market performance while also providing downside protection with a guaranteed minimum interest rate.
2. Cash value growth:
   • Whole Life: The cash value of a Whole Life policy grows at a guaranteed minimum interest rate set by the insurance company. Additionally, policyholders may receive dividends from the insurance company, which can be used to increase the cash value or reduce premiums, although dividends are not guaranteed.
   • IUL: The cash value growth in an IUL policy is determined by the performance of the chosen stock market index. It offers the potential for higher returns compared to Whole Life policies, but also has a higher degree of variability. Most IUL policies have a cap on the maximum returns and a floor that prevents losses in case of negative market performance.
3. Premium flexibility:
   • Whole Life: Whole Life policies have fixed premium payments throughout the life of the policy, which ensures that the policy remains in force.
   • IUL: IUL policies offer more flexibility in premium payments, allowing policyholders to adjust the premiums within certain limits based on their financial situation. This can be beneficial in times of financial hardship or when policyholders want to increase their cash value growth.
4. Loan provisions: Both Whole Life and IUL policies allow policyholders to take loans against the cash value, which can be useful for the IBC strategy. However, the loan interest rates and provisions may vary between the two types of policies.
5. Complexity and management:
   • Whole Life policies are generally considered less complex and easier to manage than IUL policies, as the guarantees and fixed premiums provide more predictability.
   • IUL policies require more active management and understanding of market conditions, as the cash value growth is tied to the performance of the underlying index.

In conclusion, the choice between a Whole Life and an Indexed Universal Life policy depends on the individual’s financial goals, risk tolerance, and preference for flexibility and complexity. Whole Life policies offer more guarantees and stability, while IUL policies provide the potential for higher returns and more flexibility in premiums and death benefits. However, again, Infinite Banking at its purest form, is to utilize properly structured Whole Life Insurance.

There can be disadvantages to both Whole Life and Indexed Universal Life (IUL) insurance policies, depending on the individual’s financial goals and risk tolerance. Here are some of the disadvantages of each type of policy:

Potential Disadvantages of Whole Life Insurance:

1. Higher premiums: Whole Life insurance policies generally have higher premiums compared to IUL policies. The higher premiums are due to the guaranteed cash value growth, the fixed death benefit, and the lifelong coverage.
2. Limited cash value growth potential: The cash value growth in Whole Life policies is based on a guaranteed minimum interest rate, which might be lower than the potential returns of an IUL policy linked to a stock market index. As a result, the cash value growth in a Whole Life policy may not keep pace with inflation or provide the same potential for wealth accumulation as an IUL policy.
3. Inflexible premiums at times: Whole Life policies can have fixed premiums, which may not be ideal for individuals who prefer flexibility in their payment schedules or who might experience fluctuations in their income. However, todays policies are becoming more and more flexible.
4. Limited investment options when contrasting to IUL: With Whole Life policies, the cash value growth is determined by the insurance company, and policyholders have little to no control over the investments. This may be a disadvantage for individuals who want more control over their investment strategy.

Disadvantages of Indexed Universal Life Insurance:

1. Complexity: IUL policies are more complex than Whole Life policies, as they involve more variables, such as flexible premiums, adjustable death benefits, and cash value growth tied to a stock market index. This may require more active management and a deeper understanding of market conditions.
2. Market risk: IUL policies have cash value growth that is linked to a stock market index, which means that the policy’s performance is subject to market fluctuations. While there is usually a guaranteed minimum interest rate to protect against losses, the cash value may not grow as much as expected during periods of poor market performance.
3. Caps on returns: Most IUL policies have a cap on the maximum returns that the policy can earn, which may limit the potential for cash value growth during periods of strong market performance.
4. Less predictable cash value growth: The cash value growth in an IUL policy is subject to market performance, making it less predictable than the guaranteed growth of a Whole Life policy. This may make it more challenging for policyholders to plan for their financial future.
5. Cost of insurance: The cost of insurance in an IUL policy will usually increase over time, which may require higher premiums to maintain the same death benefit. This can be a disadvantage for individuals who are looking for lifelong coverage with fixed premiums, and when structured this way, will effectively eat the policy alive in costs, later in life.

Ultimately, the decision between a Whole Life and an Indexed Universal Life policy depends on the individual’s financial goals, risk tolerance, and preference for flexibility and complexity. It’s essential to carefully weigh the advantages and disadvantages of each type of policy before making a decision.

Reach out today and we can discuss what’s right for you!

With several recent Silicon Valley bank failures and government rescues, how do you know that your wealth is protected? We are heading into unprecedented financial times. Learn how to think out of the box to profit from the change rather than be a victim of it.

Over the years, I have met hundreds of real estate investors, and in talking with them, I’ve heard hundreds of reasons as to why they have gotten into the industry.  Great Wealth. Passive Income. Greed. To Support a Family. Replacing that 9-5 Job. Boredom. A Smart Investment. Diversification. Legacy. To Rule the World… and the list goes on.  (Okay, maybe not that last one.)

I would say the why for me has morphed throughout the past 10 years as I’ve gotten older (and theoretically wiser).  I was moving along, happy with my goal of passive income by retirement, and being a slave to the grind until then.  Then one day someone introduced me to the term, Private Family Banking System.  This intrigued me. 

Setting up a Private Family Banking System wasn’t about setting up a brick-and-mortar store. It wasn’t opening my own true “bank”. It was about creating a financial strategy, a banking system, where YOU take over the banking function in your life.  Imagine a world where you never had to pay interest to an outside bank again.  Imagine a world where you never had to approach a traditional bank again, but could borrow from yourself, and pay yourself back, time and time again throughout your life.  This is a game changer in real estate endeavors, and so many other areas of one’s life. I’ll leave you to dream all the ways your life would change by controlling the banking function in your life.

Now that we’ve created a system that can change the financial trajectory in our lives, it doesn’t just stop there. How can we create a financial trajectory that can literally last for generations?  Through this approach, one can be building up their warehouse of wealth throughout their own life, utilizing it along the way – then, their children can also be accessing it to replace the banking function in their lives.  Those children then begin setting up their own banking system, thus combining and compounding the growth for the 3^rd generation.  And this can go on and on and on, as long as each generation teaches the next.  As a matter of fact, the Rockefeller Family have a very similar system in place, and they are some six generations in, with the wealth still flowing. 

With a system like this in place in your life, you’re leaving more behind than just a rental property, or a life insurance death benefit, or equity in your home. You’re leaving behind more than just a legacy. You leave behind a legacy that can last for generations – A Generational Legacy – and that is worth pursuing. 

It has been said, “A good man leaves an inheritance for his children’s children.”

What’s your Why?

Article written by Jason K. Powers

If you’ve been in the real estate investing world long enough you may have dabbled with the idea of getting on the other side of the table and being a private money lender.  After all, when you started out in the real estate world, chances are you were trying to utilize friends and family’s cash for short term private money loans for your rehab before you build relationships with good lenders.  Or, perhaps you haven’t been interested in wholesaling and rehabbing but have a sum of money and wanted to jump right into private money lending and help others get started in their business.

As with any endeavor, we always recommend you meet with a lawyer, establish your business, get the required insurance, and learn the ropes. As you explore your options, you see there are limited places to store your cash while it is not loaned out. 

Most of us think that savings accounts are the only option. It’s a good starter place to store cash, quickly accessible, and you know right where your money is located.  Savings accounts sometimes earn the .05% interest rate while just sitting , but then you receive an insulting 1099-INT at the end of the year and have to pay taxes on that interest!  At least you made good money while it was being loaned out. Other high interest yield accounts are also popular, or perhaps qualified accounts (i.e. Self Directed IRA, et al).  In each case above, your money is growing on what remains in the account. The money outside is the real money maker.

Have you ever considered Whole Life Insurance as a place to store your money?

Properly structured whole life insurance from a mutual carrier can be substantially advantageous as a place to store your wealth.  The single most advantageous benefit (in the context of this conversation) is that when accessed correctly, the money inside your policy is growing uninterrupted even while it is loaned out.  Let me say that again. Your cash value grows year over year as if it never left even while it is loaned out to someone else!

For example. If you have $200,000 in cash value stacked up in your policy, and the cash value was projected to grow by $25,000 that year, it would still do so, even if the $200,000 was loaned out the entire year to a real estate investor. 

Your cash value grows and you made your gains on the money that was loaned out. The growth in your policy is income tax free… when structured and accessed properly.  The cash value grows as if it never left. You have living benefits and a death benefit.  And that’s just the start.

There is simply no other vehicle in which you can do this.

Every real estate investor should be exploring this option now. Let us help you take advantage of the most secure and profitable place to store your hard-earned money.

Call, text, email or send a carrier pigeon to discover what your own Private Family Banking System can accomplish!

Article written by Jason K. Powers

What would change in your real estate investing business if you didn’t have to pay the 7-12% interest and points to a lender?  
What would change in your financial life, if you never had to borrow from a bank again, but could borrow from yourself, and pay yourself back, with interest, and do it over and over and over again?  
What would change in your personal life, if you were able to be your own bank throughout life, and finance your own cars, vacations, child’s college & even retirement?  
What would change in your family’s life, if you were able to do everything we’ve talked about while you’re still alive and then leave a substantial financial legacy that could literally last for generations? 

Most of us are on board with these ideas.  What if there is one vehicle that can help you accomplish all of these things… at the same time? 

Now what I am not talking about is a replacement strategy against your real estate investing ones.  What I am talking about is how setting up what we call ‘private family banking systems’ can turbo-charge your current strategies. 

Utilizing these strategies allows a person to build cash value in a vehicle where it can grow uninterrupted, while at the same time being used for other things. 

For example: While you’re using that cash value throughout your life for real estate investing purposes, that same cash value is growing as if you never touched it.  While is it doing this, you are at the same time building up the ability to supplement (or even fully fund!) retirement and even leave a legacy that could literally last for generations.  In the end, your real estate investment strategies creates passive income for retirement, all the while your private family bank also supports you through retirement. 

As I talk with more and more clients, I would have to say that the main thing I teach is about the flow of money.  Most people have money flowing away from them.  My job is to work with you based your goals and objectives, based on your current situation, taking a wholistic approach to changing the constant outflow of your money, to help you turn in inward. 

This is why we do what we do in teaching people about the Infinite Banking Concept. We want to see your life changed for the better.

• Build Equity
• Build Cash Flow
• Create Tax Deductions
• Generate Profit
• Build Up Retirement
• Uninterrupted Compound Growth of Cash Value
• Unstructured Loans from a Policy
• Creditor Protection
• Non-Market Based Growth
• Death Benefit
• Interest Deductions for Businesses
• Disability Benefits
• Tax Advantaged Growth
  
  

And the benefits go on and on and on…

Article written by Jason K. Powers

In these unique times during the COVID-19 pandemic, we have seen practically every response under the sun, when it comes to personal finances.  The initial impact is obvious throughout the U.S., but the reactions are abounding.  With upwards of 40% of the adults in the Nation who cannot afford a $400 unexpected expense, it’s no wonder we are seeing such a wide range of responses.

We’ve seen a borderline run on the banks with people worried money will be hard to come by.  We’re hearing of people cashing out their 401(k) amid fear of losing the rest, or taking advantage of the newly passed CARES Act.  However, even through the range of financial obstacles, we’re seeing a positive trend in many areas, including those who are utilizing their own private family banking system now more than ever.

When it comes to our clients, we’ve had a much different response. One client just last week at his Annual Review said, ‘I finally get the true power of Private Family Banking’. His 401(k) was down more than 20% for the year, but his Banking System is growing 5% and will continue to no matter what happens with the market. We have been talking to our clients about a coming recession for over a year and even though we weren’t expecting it to come so quickly, most of our clients have been preparing themselves in cash-ready positions to make the most of this crisis and the potential recession it will bring.

Here at Unbridled Wealth, our strategy has remained true despite the numerous ripple effects of COVID-19 – helping families, businesses and non-profits achieve financial wellness through uncommon approaches.  Our approach is and has always been to help our clients better understand their financial landscape, along with their financial goals & objectives.  We want to help them connect their finances with their goals and objectives by utilizing private family banking.  Now more than ever, a good solid strategy is needed amidst this global tragedy, and we want to see our clients not only survive, but thrive.  The beauty of private family banking is that none of our clients cash values have actually declined, because these banking systems utilize guaranteed returns – giving them the ability to prepare to make investments in real estate, and stay ahead financially.

We have been working hard to help our clients come up with practical and creative solutions to their finances.  It is important not to make knee-jerk reactions that may impact you for decades.  We have been equipping our clients with the tools necessary to create their own private family banking systems.  Through our free education and strategy sessions, we are helping them discover even more creative ways to access, redirect and rearrange their finances, as well as start creating financial velocity amidst these unprecedented times. 

We encourage you that NOW is the time to be creating a plan and looking for opportunities to capitalize and stabilize during the economic disorder.  

If you would like to hear more about creating your own private family banking system, while developing your overall personal financial strategy at the same time, do not hesitate to reach out!  We are here to serve you and be a resource for you in your real estate investing endeavors.

Article written by Jason K. Powers

Photo by Anastasia Petrova on Unsplash