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 November, we pause to give thanks.

We gather around the table.
We think about family.
We reflect on what really matters.

But here’s something few people are ever taught to be thankful for:

👉 Control over their financial life.

Because let’s be honest — most people don’t have it.

They’re stuck reacting to bills, markets, loans, or unexpected expenses.
They’re following financial advice that’s often outdated or generic.
And deep down, they’re wondering if they’re doing any of it right.

But when you implement the Infinite Banking Concept, something shifts.
You move from a place of uncertainty to a place of strategy.

And that kind of clarity?
It changes everything.

---

📉 Why Most People Lack Financial Peace

Traditional financial planning is built on a few core ideas:

• Save what’s left after spending
• Hope the market performs
• Delay access to your money
• React when emergencies hit

That leaves people in a constant state of waiting, worrying, and hoping.

And it’s hard to feel gratitude when you’re not confident.

---

🔁 How Infinite Banking Reframes Gratitude Through Control

Infinite Banking, introduced by R. Nelson Nash, flips the script.
Instead of depending on external systems, you build your own.

Here’s what that means:

✅ 1. You always know where your money is

With a properly structured whole life policy, your capital is stored safely, growing with guarantees — and available when you need it.

✅ 2. You have access without penalties

Need to fund a project, pay for an emergency, or take advantage of an opportunity? Borrow against your policy and keep your system intact.

✅ 3. You’re not riding the market rollercoaster

No sleepless nights over economic headlines. Your system keeps compounding — calmly and consistently.

✅ 4. You’re building wealth and mindset

Infinite Banking isn’t just a financial tool — it’s a mindset shift. It teaches stewardship, patience, and long-term thinking — the same values we celebrate every Thanksgiving.

---

🧠 What Nelson Nash Said About Control

“When you control the banking function in your life, you win.”

Control brings peace.
Peace makes space for gratitude.
And gratitude shifts your entire financial experience.

---

🕯️ Final Thought: The Best Way to Say Thanks? Steward Well

Gratitude isn’t just a feeling — it’s a responsibility.

When you take control of your financial life, you’re not only blessing yourself…
You’re creating a legacy of clarity and confidence for your family, too.

So this season, give thanks for what you have.
Then take the next step toward building something even better.

---

👉 Ready to build financial control into your future?

🔘 Download the Free Guide to Infinite Banking
🔘 Schedule a Call to learn how this strategy can bring peace and purpose to your money

This November, be thankful — and be intentional.
Take control.

👻 It’s spooky season — but the scariest thing for most people isn’t ghosts or goblins.
It’s money.

Fear of inflation.
Fear of interest rates.
Fear of losing it all in the stock market.
Fear of not having enough.

But here’s the thing:
Fear thrives in uncertainty.
And the traditional financial system is full of it.

What if you could step out of that system — and into one built on clarity, control, and calm?

That’s what Infinite Banking offers.

---

😱 Why So Many People Fear Their Finances

Most people were never taught how money actually works.

Instead, they were taught to:

• Put money into 401(k)s they can’t access for decades
• Keep savings in banks that earn less than inflation
• Rely on credit cards when things go wrong
• Ride the emotional rollercoaster of market investing

That’s a recipe for anxiety.
No wonder financial fear is so common.

---

🔐 How Infinite Banking Shifts You Into Control

The Infinite Banking Concept, developed by R. Nelson Nash, is all about creating a personal banking system using a properly structured whole life insurance policy.

Here’s how it helps replace fear with confidence:

✅ 1. Your money grows every year — guaranteed

No more wondering if your portfolio is up or down this week.

✅ 2. You can access your capital anytime

No early withdrawal penalties, no lock-up periods.

✅ 3. Your money keeps growing — even when you use it

By borrowing against your cash value instead of withdrawing, your system keeps compounding in the background.

✅ 4. You’re not at the mercy of banks, interest rates, or stock swings

You become the banker — and set your own terms.

This isn’t a “get rich quick” trick.
It’s a process that creates predictable, long-term control over your financial future.

---

💡 What Nelson Nash Said About Fear

“The Infinite Banking Concept is a peaceful, stress-free way of life.”

When you control the banking function in your own life, the panic disappears.
You don’t have to hope. You don’t have to guess. You just follow the system.

---

🔄 Real-Life Example: Emergency Expense

Most people fear emergencies because they don’t have access to cash.

With Infinite Banking, you build a system where you do — and when something comes up, you can borrow against your policy, handle the need, and repay yourself on your schedule.

No begging for a loan.
No draining a 401(k).
No credit card roulette.

That’s not just financial security — it’s peace of mind.

---

🧭 Final Thought: Fear Fades When You Have a System

You don’t have to live at the mercy of markets, media, or megabanks.

When you use Infinite Banking, you build a system that:

• Grows regardless of market swings
• Gives you access and flexibility
• Offers peace of mind instead of panic
• Works now and for generations to come

And that… is nothing to be afraid of.

---

👉 Ready to stop fearing your financial future?

🔘 Download the Free Guide to Infinite Banking
🔘 Schedule a Call and take the next step toward clarity and control

This October, make the shift from fear to freedom.
Be your own banker — and never be spooked by money again.

🌅Legacy.
It’s not just about what you leave behind — it’s about what you build into the next generation.

When people hear “generational wealth,” they usually think of trust funds, real estate empires, or massive investment portfolios. But there’s another way to pass on wealth — and it’s more accessible than you think.

It starts with control.
It continues with strategy.
And it’s powered by the Infinite Banking Concept.

---

🧬 Generational Wealth Isn’t Just About the Money

Let’s be real — you don’t pass on wealth just by handing over a bank account.
If your children or grandchildren don’t understand how money works — or how to control it — the money will disappear.

What really matters is what comes with the money:

• Financial habits
• Access to capital
• Knowledge and mindset
• A system they can grow into

That’s what makes Infinite Banking different.

It’s not just about accumulating money.
It’s about building a family financial system that becomes a tool — not just a gift.

---

🌳 The Infinite Banking Advantage for Legacy Building

A properly structured whole life insurance policy from a mutual company does more than provide a death benefit.
It becomes a living financial engine you can use now — and your heirs can use later.

Here’s how it helps you build lasting wealth:

1. It grows steadily over time

Guaranteed cash value growth and potential dividends increase the policy’s strength the longer it’s in place — setting up the next generation with a strong foundation.

2. It gives your family access to capital

Your children or beneficiaries can take policy loans, use the death benefit, or continue the system themselves — helping them fund life events without relying on banks or lenders.

3. It teaches financial stewardship

When you model the process of borrowing, repaying, and using your own money efficiently — you’re teaching your kids how to be responsible, independent, and strategic.

4. It creates generational momentum

Imagine each generation building their own policy — and becoming the “bank” for their own children. That’s not just legacy. That’s a dynasty in motion.

---

💡 What Nelson Nash Said About Generational Planning

“The Infinite Banking Concept is not about the life insurance. It’s about the process of banking — and how families can recapture the banking function within their own lives.”

This means your policy is more than protection.
It’s a blueprint.

---

🚀 Final Thought: You’re Building a Legacy Whether You Realize It or Not

Every financial decision you make either strengthens or weakens your legacy.

The beauty of Infinite Banking is that it gives you the power to:

• Build wealth with intention
• Access your capital during life
• Pass on financial confidence — not just money

You don’t need millions to start.
You just need the mindset and the right structure.

---

👉 Want to start building your family’s financial ecosystem?

🔘 Download the Free Guide to Infinite Banking
🔘 Schedule a Call and learn how to make Infinite Banking part of your legacy plan.

The best time to plant a tree was 20 years ago.
The second-best time is now.

🕶️We’re six months into the year.

Some people are on track.
Others are behind.
And some are realizing they never actually set clear financial goals in the first place.

Wherever you’re at — there’s still time.

This isn’t about catching up. It’s about leveling up.
And with the right strategy, the second half of the year can become the launchpad for lasting momentum.

---

📉 What Most People Do Mid-Year

Let’s be real:
Most people either…

1. Ignore their finances and hope everything sorts itself out by December
2. Double down on bad habits out of stress
3. Make a few surface-level changes — then fall back into the same old pattern

But there’s a better way.

The truth is, you don’t need a miracle or a market rally to make progress.
You need a system — one that puts you in control.

---

💡 Mid-Year Reset Starts With a Better Tool

This is where the Infinite Banking Concept comes in.

Instead of relying on banks, credit cards, or unpredictable investment accounts, you can build your own personal banking system using a properly structured whole life insurance policy.

When designed the right way, this policy allows you to:

• Grow wealth consistently (even during market dips)
• Access your money anytime without penalties
• Use your money while it continues to grow
• Avoid taxes on your policy’s growth
• Replace your need for outside financing

It’s not magic.
It’s a system. And it gets stronger the longer you use it.

---

⏱️ What You Do Now Determines How You Finish the Year

Here’s the cool part:

When you implement Infinite Banking now, you’re not just finishing the year strong —
you’re setting up every year after that to work even better.

This isn’t just a one-time fix.
It’s a foundational shift that helps you:

• Stop leaking interest to banks
• Keep more of what you earn
• Take control of how money flows through your life

🚀 Final Thought: Use the Calendar as Fuel, Not Pressure

Don’t let the halfway point make you feel behind.
Let it remind you: you still have time to take charge.

Whether your goal is to improve cash flow, get rid of debt, save for something big, or build long-term wealth — Infinite Banking gives you the tools to do it.

And the best time to build momentum?

Right now.

---

👉 Let’s Make the Second Half Count:

🔘 Download the Free Guide to Infinite Banking
🔘 Schedule a Call to explore your options

You don’t need another year of hoping it’ll all work out.
You need a strategy that puts you back in the driver’s seat.

🎓 Most people spend the first 20 years of their life learning how to make a living—but not how to build wealth. You might have studied algebra, Shakespeare, or U.S. history… but chances are, no one taught you how money really works.

That’s not an accident.
And that’s why so many hardworking people still feel like they’re spinning their wheels—earning income, paying bills, and watching wealth slip through their fingers.

Let’s change that. Starting now.

---

📚 Lesson #1: The System Wasn’t Built for Your Freedom

From student loans to credit cards to 401(k)s, most traditional financial advice teaches you one thing: hand control of your money over to someone else.

• Banks lend you money—and charge you interest.
• Investment firms hold your money hostage until age 59½.
• The IRS sets the rules—and moves the goalposts.

You’ve been taught to save what’s left after spending.
You’ve been taught to “hope it all works out in the long run.”

But real wealth builders? They flip that model upside down.

---

💡 Lesson #2: Real Wealth Is About Control

Wealth isn’t just about income.
It’s about what you keep, what you control, and how your dollars work for you.

This is where the Infinite Banking Concept comes in.

By using a properly structured whole life insurance policy, you create a system that gives you:

• Guaranteed growth — not tied to the market
• Liquidity — access to your money when you need it
• Tax-advantaged growth — no capital gains or income taxes
• Use without interruption — borrow against your cash while it still grows

This isn’t theory.
It’s a time-tested strategy that many wealthy families and entrepreneurs have used for generations—quietly.

---

🧠 Lesson #3: It’s Never Too Late to Start Learning

The good news?
You don’t need a finance degree, a Wall Street broker, or a six-figure income to start building wealth the smart way.

You just need to:

• Learn how money flows through your life
• Redirect that flow to work for you
• And start building your own banking system

The earlier you start, the more powerful it becomes—but the key is starting.
Even a small policy, used the right way, can create long-term momentum.

---

🎓 Final Thought: Graduate to a Smarter Strategy

You’re not behind. You’re just stepping into the real classroom now.
And this time, the lesson is clear:

Take back control of your money, and you take back control of your future.

---

👉 Ready to keep learning?

🔘 Download the Free Guide to Infinite Banking
🔘 Schedule a Call to see how this strategy could work for you

Let’s rewrite your financial future—starting now.

Spring cleaning isn’t just for closets and garages. It’s also a powerful time to reevaluate how you handle money — what’s working, what’s not, and what habits are quietly draining your financial potential.

Here are three outdated money habits worth tossing out — and smarter alternatives to take their place.

---

💸 1. Saving Money Where It Can’t Grow

The Habit:
Leaving your savings in a traditional bank account “just in case.”

The Problem:
Your money sits still. You’re earning next to nothing in interest, and with inflation rising, your dollars are quietly losing purchasing power every year. That’s not to say you shouldn’t have some money stored away in this fashion. You should! But perhaps just enough to get you through immediate emergencies, today.

The Shift:
Start warehousing your wealth in a system that grows and works for you — even while you use it.
The Infinite Banking Concept uses a properly structured whole life insurance policy as a powerful financial engine:

• Guaranteed growth
• Tax advantages
• Liquidity when you need it
• The ability to use your capital without interrupting compounding

Your dollars shouldn’t collect dust. They should multiply.

---

💳 2. Using High-Interest Credit to Cover Gaps

The Habit:
Relying on credit cards, lines of credit, or personal loans to handle unexpected expenses or to finance big goals.

The Problem:
You’re paying interest to someone else — which means your future earnings are already spoken for.

The Shift:
Build your own personal financing system.
When you implement the Infinite Banking Concept, you create access to capital you own and control, allowing you to finance life’s needs — on your terms. You pay yourself back, not a lender.

It’s about changing the flow of money so it stays within your ecosystem.

---

⏳ 3. Waiting for “The Right Time” to Start Building Wealth

The Habit:
Putting off financial strategies until the timing feels perfect, or income feels “high enough.”

The Problem:
Time is your most valuable asset — and the longer you wait, the harder it becomes to build long-term momentum.

The Shift:
Start with what you can now.
Many people begin their Infinite Banking journey with modest monthly premiums and scale up over time. It’s not about perfection — it’s about direction. Even a small system, started today, can grow into something powerful over time.

---

🌟 Final Thought: Make Room for Growth

Spring is a season of fresh starts — and your finances are no exception.
By ditching old habits and building new ones through the Infinite Banking Concept, you’re not just cleaning house — you’re setting the foundation for a smarter, more sustainable financial future.

---

👉 Ready to learn more?

🔘 Download the Free Guide to Infinite Banking
🔘 Schedule a Call to Talk Strategy

Let’s clean out the financial clutter and build something that lasts.

Planning for a child’s or your own college education can often seem overwhelming, with numerous options and decisions to make. Navigating the complexities of financing this significant investment in one’s future demands careful consideration and strategic planning. While the conventional approach often involves financing college through student loans, (which has resulted in a staggering $1.7 trillion in student loan debt in the U.S.!), exploring alternative methods and savings strategies can provide a more financially secure path toward achieving higher education goals.

---

The Traditional Saving Approach – The 529 Plan

529 Plans have been the staple savings method since 1996, created by the IRS. While 529 Plans offer many benefits for saving for college expenses, there are also some drawbacks to consider:

• Limited investment options: 529 Plans typically have a limited selection of investment options, which may not suit every investor’s preferences or risk tolerance.
• Restricted use of funds: Funds in a 529 Plan must be used for qualified education expenses, such as tuition, books, and room and board. If the funds are used for non-qualified expenses, the earnings portion of the withdrawal will be subject to federal income tax and a 10% penalty. These rules have changed somewhat since 2022, and continue to do so.
• Impact on financial aid: Although 529 Plan assets have a relatively low impact on federal financial aid calculations, they can still reduce the amount of aid a student may be eligible to receive. The impact varies depending on whether the account owner is the parent or another relative.
• Limited flexibility for changing beneficiaries: Although you can change the beneficiary of a 529 Plan, there are restrictions on who can be named as a new beneficiary. The new beneficiary must be a family member of the original beneficiary, as defined by the IRS, to avoid tax penalties.
• Loss of control over assets: The account owner of a 529 Plan retains control over the assets, but some individuals may be concerned about giving up control to the plan administrator when it comes to managing the investments.
• No guarantee on investment returns: The performance of a 529 Plan’s investments is not guaranteed, and the value of the account can fluctuate with market conditions. This could result in lower-than-expected returns, potentially affecting the amount available for college expenses.

---

Alternatives to the 529 Plan

Prior to the introduction of 529 Plans (and many ways still), some traditional methods for college savings included:^*

• Uniform Gifts to Minors Act (UGMA) and Uniform Transfers to Minors Act (UTMA) accounts: These custodial accounts allowed parents, grandparents, or other relatives to transfer assets to minors without the need for a legal guardian or trust. Assets in these accounts could be used for any purpose, including college expenses. However, unlike 529 Plans, earnings in UGMA/UTMA accounts are subject to taxes, and the assets may have a larger impact on financial aid eligibility.
• Savings bonds: Families would often purchase U.S. Treasury Savings Bonds (such as Series EE and Series I bonds) as a safe, low-risk investment for college savings. The interest earned on these bonds may be tax-free if used for qualified education expenses, but their low return rates may not keep up with the rising costs of college education.
• Traditional savings accounts or Certificates of Deposit (CDs): Parents would set aside funds in a regular savings account or CDs as a simple method to save for college. However, the interest rates on these accounts are typically lower than other investment options, and the interest earned is taxable.
• Coverdell Education Savings Accounts (ESAs): Previously known as Education IRAs, these accounts allow for tax-free growth and withdrawals for qualified education expenses, including K-12 and higher education costs. However, annual contributions are limited to $2,000 per beneficiary, which may not be sufficient to cover the full cost of college education.
• Whole life insurance policies: Some families utilized the cash value growth in whole life insurance policies as a method to save for college. The cash value can be accessed through loans or withdrawals, generally tax-free, to cover education expenses. However, these policies can be more expensive and may not offer the same level of tax advantages as 529 Plans.
• Regular investment accounts: Parents and grandparents could also invest in stocks, bonds, and mutual funds through a standard brokerage account to save for college expenses. However, these accounts do not offer the same tax advantages as 529 Plans, and the assets may be subject to capital gains tax upon sale.

---

An out-of-the-box approach for college savings

One creative and little used strategy to build up money for college is properly structured whole life insurance. It has guaranteed cash value growth (not market tied!), tax advantages, flexible access to funds, ZERO impact on financial aid, and so many more benefits.

• Guaranteed cash value growth: Whole life insurance policies have a guaranteed cash value that grows over time, which can provide a stable and reliable savings vehicle for college expenses.
• Tax advantages: The cash value growth in a whole life insurance policy is tax-deferred, meaning that you won’t pay taxes on the gains while the money remains in the policy – ever. When you do access the cash value, you can borrow against the policy instead of a withdrawal – and the IRS does not tax this method.
• Flexible access to funds: You can borrow against the cash value of the policy, without the need to sell investments or liquidate assets, which can be helpful when you need money for college tuition and expenses. Instead of borrowing from a ‘traditional bank’, you’re borrowing from yourself, thus can pay yourself back over time (or set up a payment arrangement for your child to pay it back over time – and keep the money in the family rather than out to a company providing Student Loans). Every penny paid back, is money that can be borrowed back out for something else that will make or save you money.
• Protection for your family: A whole life insurance policy not only provides a savings component but also offers a death benefit to protect your family financially. In the unfortunate event of your passing before your child attends college, the death benefit can be used to cover educational expenses.
• Not included in FAFSA. No impact on financial aid: Unlike some other assets, the cash value of a whole life insurance policy is generally not counted as an asset when determining eligibility for federal financial aid, which can improve your chances of receiving assistance for college expenses.
• Can be used for anything, not just college: The policy owner has control of the policy’s potential accumulated cash value. If plans change, the accumulated cash value can be used for other purposes, such as supplementing your retirement income.
• Forced & long-term savings: A whole life insurance policy requires regular premium payments, which can help instill a disciplined savings approach for college funding. It ensures that you consistently put money away for your child’s education. Whole life insurance policies can be held for decades, allowing you to build significant cash value over time. This can help you prepare for future education expenses, even beyond college, such as graduate school or continuing education.

---

In conclusion, whole life insurance can be an amazing alternative to 529 Plans for college savings, providing unique benefits that may align better with many families’ financial goals and circumstances. With its guaranteed cash value growth, tax advantages, flexible access to funds, and the added protection of a death benefit, whole life insurance policies can serve as a versatile and reliable savings vehicle. Furthermore, the forced savings aspect instills a disciplined approach, while the minimal impact on financial aid eligibility ensures that additional assistance remains within reach. Ultimately, each family’s financial situation and preferences will dictate the best approach to saving for college, but whole life insurance policies present an attractive option for those seeking a well-rounded and secure strategy.

Reach out today, to see what we can do for you and your family…

---

---

*Details change year over year, and laws change. These facts apply through 2021, and may have changed. Please do your due diligence and gather all your facts from various sources before choosing a method and sticking to it.

Article by Jason K Powers

There is a thought process out there that, quite possibly, has limited the achievements of mankind more than any other, and it is dubbed, “The Arrival Syndrome.” 

When I first heard about this, I think logically I knew that as just a human being, I had a predisposition to this syndrome.  We all do.  However, what we do about it is a different story. 

I used to have my phone navigation map talk me through directions as I was driving.  It would tell me as each turn approached, where to turn, how far ahead it was, how far to drive on the next road, and then concluding once I’d reach my destination, it would stately say, “You have arrived.”  I would chuckle because it would always make me think of someone having ‘arrived at the top of their career’, or ‘arrived to the height of their knowledge’ or ‘arrived to the pinnacle of whatever belief system they had,’ and this map just knew I had arrived… wherever that was.  Or maybe it was more like, “Vous venez tard, mais vous venez,” (You have arrived late, but you have arrived).

In all seriousness, however, so many of us think we have arrived in our scope of knowledge about a particular topic.  Maybe it’s wholesaling. Maybe it’s fix-n-flips. Maybe it’s about the best way to save for retirement. Maybe it’s where to stockpile our money… and the list goes on.

“…We live on the brink of mysteries and harmonies into which we never enter, and with our hands on the door-latch we die outside.”

~Ralph Waldo Emerson~

Nelson Nash once said, “When this ‘thing’ infects us, we stop growing, stop learning. We ROT! We turn off or tune out the ability to receive inspiration – because we ‘already know all there is to know!’”  Remember, this is human nature!  He goes on to say, “The Arrival Syndrome produces a ‘comfort zone’ that causes people to lapse into their old way of doing things – a lifetime of accumulated information that determines how one conducts oneself. The fact that this conclusion may be based on fallacious information is beside the point!”

When I teach people about the Infinite Banking Concept, for many, we have a major hurdle to get over in their brain first. What have they heard about it already? 

“Oh, this deals with Life Insurance – must be a scam!” 

“Well, my qualified retirement account out-performs anything you could ever show me.”

“It’s too expensive!”

“I have to save up for years before I can start.”

Well, the answers are for another day, but let it suffice that if it were a scam, then why do banks, the businesses, the Presidents, and so many more, utilize this concept?  If it were being “outperformed” by investments, shouldn’t what we’re talking about actually be an investment product? It’s not!  It’s only too expensive if you don’t know how to manage your money – but we can work on that with you.  When you start is when you’re ready.  I’ve never had a client say to me that they wish they’d waited to start this. They always say they wish they’d started it sooner!

And then there are all the things that don’t even get asked – and you don’t know what you don’t know! Some of these advantages can help curb inflation that we’re facing today. It can help supplement retirement. It can grow income tax free. It can pass on an amount of wealth to the next generation, so that they would never have to go to a public bank again.

If you’re willing to fight the urge to submit to The Arrival Syndrome, then the Infinite Banking Concept is worth the look.  It can change your life. It can change your real estate trajectory. It can change the generations behind you.

Want to learn more?

Schedule A Time

Nelson Nash, the man who coined the term Infinite Banking Concept, talks about 5 human problems, or psychological pitfalls, that we all must overcome in order to have a disciplined financial plan. Overcoming these pitfalls is paramount to not just surviving financially, but thriving. 

The first human problem is what has been coined as Parkinson’s Law.  This was coined from  C. Northcote Parkinson’s book by the same name. This law can be summarized in three points.

The first point is, “Work expands to meet the time envelope allowed.”  In the context of real estate, how often have you had one contractor on one job complete something in the 10 days they were allowed, and then when you give them the same job on another project but 30 days to finish, it took the full 30 days?  Life is full of these kinds of examples – kids and homework – work deadlines – and basically anything else that has a deadline.  What if we could master overcoming this trait in our lives, and get things done more efficiently, and consistently? What if our finances were working this way?

The second point is, “A luxury, once enjoyed, becomes a necessity.”  I remember spending eleven years in a home with no air conditioning.  When I moved out of that home and into a house with central air, I couldn’t believe I ‘survived’ all those years without it!  How many things in life have we convinced ourselves that we can no longer live without?  From a financial perspective, what if we had a better handle on our own understanding of these things in our own lives?  What would change in your own finances if you could have a little more self-control and discipline?

The final point is, “Expenses rise equal to income.”  When a pay raise, or bonus, comes along we usually have it spent (in our minds) before it even hits the bank. Once we have a consistent increase in income, most of us in the world begin to expand our living environment in one way or another.  If we were better at living below our means, do you think we could get ahead a little better? 

We have to change the way we think about money!

The average American household spends a shocking amount of money on interest payments each year on things financed.  The average American is putting their pre-tax money into accounts that they can’t touch for decades and will be taxed at an unknown future rate – yet at the same time believe taxes are going up in their lifetime. The average American follows the heard, financially speaking. 

What if there was a way to change up the status quo with your finances? What if you could be the bank and borrow from yourself instead of an outside institution?  What if your one pile of money could grow in two places at the same time?  What if you could live on income tax free money at retirement?  These are all things we teach people how to do here at Unbridled Wealth. 

Change the way you think about your finances, and it will change your future. 

Article written by Jason K. Powers

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

It has been said that, “Procrastination is the grave in which opportunity is buried.” ^*  I’ve spoken with countless people, and an overwhelming majority have what is perhaps a well intended thought that, some day, when I’m ready, I’ll start.  When it comes to implementing your own Private Family Banking System, and build it to a point where you can be doing amazing things with it, such as funding a half a million dollar purchase and rehab in full… you have to start somewhere. 

I want to show you an example of what one 30 year old person can be doing by the time they’re 38. Watch how over the next 10 years, they not only grow passive income and increase equity, they create an additional $15,000 a year of income tax free growth inside a properly structured cash value Whole Life Insurance policy. This is not your grandmother’s policy. This is structured to have robust cash value growth from day one, and compound in growth year over year, even while it’s out being used to make money elsewhere.

Based on some common numbers, he’ll be cash flowing $479 per month on each home.  Over the next 10 years, he’ll pull in $22,992 per year. Over the next 10 years, the mortgages will be paid down, while at the same time the value of the homes will presumably go up by some 30%.  This is why we do what we do when it comes to buy & holds!  Now let’s factor in the cash value from his policy.  Over that same 10 year period, he’ll pay in $230,680 in premiums.  His cash value will grow from $207,387 to $586,854 (less the $200,000 that is out).  That means his net cash value growth will be $148,787!  That’s an additional average $14,878 per year, of cash value that he can utilize for other deals, or however he sees fit.  If he sets up a repayment plan for that original $200,000 loan from his policy over that 10 years, he’ll have the full $586,854 to use by age 48. Or, he could choose to keep the $200,000 out for the 10 years (but why?), and he’d still have $386,854 to utilize (586,854 – 200,000).

Did I also mention that even though $200,000 will be out of the policy, being used on something that’s going to make him money, the cash value will still be growing inside policy at a rate as if it never left.  No other vehicle can you do this with!  And furthermore, the $200,000 ‘loan’ against the policy is an unstructured loan where you decide how you’re going to pay it back, over how long, and how much.  And did I also mention that the $148,787 net cash value growth inside the policy is not taxable when structured and accessed properly? 

There is no other vehicle with this many advantages.  Call me today and let’s come up with your own personalized plan.  Now is the time.

*Quote by Alyce Cornyn-Selby

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

We are Private Banking System experts who design personalized strategies for INDIVIDUALS, FAMILIES, BUSINESSES & NON-PROFITS. Through education, conversation and discovery, we craft custom strategies for our clients using the Infinite Banking Concept (IBC). We show businesses how to restructure their finances to make their money work for them. We utilize the Infinite Banking Concept with properly structured, dividend-paying whole life insurance through a mutual carrier. 

I could write a whole book on the many ways whole life insurance gets misunderstood. Fortunately, others already have! Instead, let’s start with a simple fact: a person can borrow against the cash value of a whole life policy; if you have a basic understanding of this, the following discussion should make sense. Regardless, I encourage you to go back and read previous articles on IBC and whole life.

Interrupted Growth & Paying Interest
Someone once said to me, “Why would I want to borrow my own money and pay interest on it?”  It’s a valid question. Here’s the answer: You wouldn’t want to… necessarily. Fortunately, that is not really how it works inside a properly structured policy.  Instead, you are borrowing “against” the cash value of your policy. You are not borrowing “from” the cash value of your policy. 

The Scenario. Maxwell calls his insurance carrier and asks them how much cash value he has available to borrow against. They look at his cash value and tell him he can borrow $188,000. Let’s say he borrowed $20,000 against his policy and the carrier is going to charge him 5%. It is an unstructured loan, so they let you decide how much and how often you are going to pay that back. Now you think to yourself, “I can get a loan from Bob-The-Loan-Guy for 3%, so why would I borrow from here?”

Defining the terms. Uninterrupted compounding is the basic principle where something (your money) and its gains grow continuously on top of each other over time. Contrast that with standard compound growth, where each time you withdraw money or investment growth declines, that growth is interrupted.  Inside your policy, the cash value grows uninterrupted.  The insurance carrier sees your death benefit is worth a certain amount and the cash value is worth another amount. They are usually willing to loan you 95% of the existing cash value.  The difference is they are loaning you the money from their pile, not your pile.  That’s why we use the term ‘borrow against’ instead of ‘borrow from’ when we talk about taking loans inside a life insurance policy. Since they are loaning you their money, yours will continue to grow uninterrupted. 

Back to the story. Our friend, Maxwell, borrowed $20,000 against his policy, but he was eight years into the life of his policy, and it was projected to grow by $25,000 that year. In nearly all outside situations, qualified money included, when you borrow $20,000 from a pile of money, you have interrupted that growth. Logically, it would only be growing off his remaining $168,000 in the policy; however, it is actually growing off of the original $188,000. Why? Because the insurance carrier is loaning you their money, not your money. In this scenario, Maxwell’s policy grew from $188,000 to $215,000 that year ($27,000 growth!). He was paying a premium of $20,000 per year, so his net growth was $7,000.

Maxwell could have borrowed the entire $188,000 and his policy still would have had a net growth of $7,000 that year. This is the power of uninterrupted compounding. Also, it should be noted that the $7,000 in growth is not taxable by the IRS. 

Through a properly structured whole life policy, Maxwell gained:

• Activated uninterrupted compound growth in his policy.
• Tax-free growth inside his policy.
• The ability to loan his real estate investment business the money and then deducting the interest expense.
• Recaptured money by paying himself back, instead of a bank.
• An unstructured loan that he could decide the terms on.
• A substantial death benefit tied to the policy that would pay everything back if there were any outstanding loans, leaving plenty for his inheritors.  
• Eventually, he would build up a cash value large enough to retire off of his policy, instead of through a qualified account.
  
  

Where else can this be done? Let us show you how to set up your own private family banking system using Infinite Banking strategies. Create a legacy that can last for generations to come.

Article written by Jason K. Powers

The average household in the United States currently carries a debt of $137,000, which is a staggering amount. For context, the median debt in 2000 was only $51,000. 

Here in America, we’re taught to finance our cars and our homes. Then, we’re told to get a few credit cards—because you need good credit—and it’s okay to buy something that you can’t afford—but pay it off as soon as you can… and the cycle goes on.

In the end, we find ourselves standing at the kitchen table, looking over a staggering pile of bills. We scratch our heads, wondering how we got into a position where debt became such a daily burden.

There are plenty of popular strategies to help people get their debt under control. Grandma’s envelope system for household budgeting, for example, might be a great starter strategy for those who can’t seem to control their spending habits.  Debt stacking is a great approach for knocking down debt, though it does require some discipline.

One of the services we offer at Unbridled Wealth is helping you build a debt recapturing plan by applying the Infinite Banking Concept (IBC). The Infinite Banking Concept is best achieved through a properly structured dividend-paying whole life insurance policy, which we help you develop. Once you understand the process of using a whole life policy to recapture your debts, you begin to see tremendous cash value growth through the life of the policy, which offers you more freedom to manage your own personal finances. 

The whole life insurance policy we’re talking about is far different than your ‘average’ policy. It is not Universal Life (IUL’s, VUL’s), Annuities, or Term, nor is it an investment product. Instead, it’s a way for you to build cash value inside of a policy while still having access to that cash along the way. Your money will gain uninterrupted compound growth inside the policy. Rather than needing to finance everything with a traditional bank, you have the ability to be your own bank.

How much money would you save in life, if you didn’t pay interest to an outside bank?

So what about recapturing debt inside of a policy? If a bank were willing to gradually consolidate your outside debts, let you decide the terms of the loan repayment, guarantee you growth of the cash value that you have accumulated (even with an outstanding debt balance), and offer to pay a guaranteed sum of money to a beneficiary once you pass away (outstanding loans or not), would you be inclined to use that bank? I should hope so!

This is what IBC can do for you.

Alternatively, you can pay down your debts, pay interest to the banks, and end up with a zero-dollar debt balance.  That’s a great accomplishment too!  But would you, if you could, take advantage of all the other benefits along with it?

Reach out to us and we’ll show you how.

Article written by Jason K. Powers