We can guide you through the process of establishing lasting wealth-building frameworks that not only help you build wealth over time, but make sure you keep more of it. We don't just offer financial products, we build sturdy frameworks that include education and guidance because we realize that tools are only as powerful as their wielder. Each solution is tailored to you, specifically, because it’s not just about growing wealth, it’s about all of the possibilities that it can create.
We all need to get from place to place. Whether it's to the grocery store, the doctor, or somewhere a little more fun, for most of us that means driving a car. Some like to ride in style, others just want to get from point A to B, and most fall somewhere in the middle. No matter what your ride looks like, someone has to pay for it. Even before the cost of gas and regular maintenance, automobiles are one of the largest expenses we incur, and to make things worse they lose value over time (some more quickly than others). Then when you consider that 85% of vehicle owners borrow money from another source to acquire their automobile, it starts to become clear why many Americans can never get ahead. Even if you were able to pay cash you would still be losing out on all of the interest you could have earned on that money.
By simply shifting your strategy, you can do more with the same resources. A properly structured, dividend paying, whole life insurance policy will not only protect the people you care about in the future, but also provide access to cash value today. By borrowing against the accumulated cash value in the policy, you have immediate access to your capital, meanwhile the entire amount in the policy never stops growing (tax-free). This mitigates the interest you would usually lose to an institution when purchasing a vehicle. Furthermore, you decide the terms of the financing by paying on your own timeline, as much or as little as you want. The best part? Every dollar that you pay towards the balance is immediately available again for use towards another opportunity.
Don't keep spinning your tires following the old avenues.
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Student loans are the bane of existence for many Americans, young and old. Before you've even left high school, you’re being sold the benefits of a college education despite the fact that only about 65% of those who begin college will finish, and of that 65% a good portion may have trouble finding employment in their field of study. This can leave many with a sizable debt to pay down before they even begin their career. On top of that, student loans don't normally cover the expenses associated with certifications or licensure fees required to do certain jobs.
What if there was a better way? One that would leave you, your children, and every subsequent generation prepared to seize every opportunity in life? That's what infinite banking can do for you. Imagine you were able to borrow from your own bank instead of some corporate institution that treats you like a number. Not only would this allow you to recapture a majority of the interest you might pay to student loans, but the re-payment is totally on your own terms, meaning you choose the schedule and amounts, and that they remain flexible for the rest of your life. In addition, any time you do make a payment, that money immediately becomes liquid to borrow again for any endeavour you are ready to pursue.
It's time to move on from the old way of thinking about finances.
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There’s a ton of “conventional wisdom” out there surrounding retirement planning.The prevailing thought on the matter seems to be that if you spend as little as possible through out your whole life, work hard and make as much money as you can, one day in the distant future everything will just... work out. A quick search of retirement statistics should remedy that train of thought. Over half of retired Americans are concerned about the ability of their existing nest egg to carry them through their lifespan. The median household savings for ages 65-74 is $200k, but even a million dollars would only provide about $40k annually using the 4% rule recommended by most financial advisors.
Incorporating Infinite Banking into your retirement strategy can help you overcome some of the greatest eroders of wealth over your lifetime. These include taxes, interest paid to creditors, and missed opportunities. The growth on dollars inside of your policy accumulates tax free. Withdrawal of cash values up to your cost basis is not treated as income nor are policy loans, and unlike IRAs, 401(k)s or other tax-qualified plans, the money you accumulate is accessible to you at any time without penalties. This means that when opportunity strikes your money is ready to be used, and even then the compounding on the full amount never stops!
Don't wait until retirement to find out it's too late.
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