Blog 134 – Is Your 401(k) Actually Safe? The Risk Nobody Puts in the Brochure
You have been contributing faithfully for years. The balance grows. You feel good about it. And then — the year before you planned to retire — the market drops 35%. Your $1.4 million becomes $910,000. Overnight. With no way to undo it.
There is a specific name for the risk that causes this. Most financial advisors have never said it out loud in front of a client. Once you hear it, you will understand why the timing of market returns matters far more than the average return — and why that distinction is the most important thing nobody told you about your 401(k).
Blog 133 – Tax-Deferred vs. Tax-Free – The Retirement Distinction That Changes Everything
You have been told that your 401(k) is a tax advantage. And it is — right now. But here is the question nobody asks: what tax bracket will you actually be in when you start pulling that money out?
Every dollar sitting in your 401(k) has a tax bill attached to it that you have not paid yet. And that bill is going to be calculated at tomorrow’s tax rates — not today’s.
In this video Pedro shows you exactly why — with real numbers — and what a properly structured policy does that your 401(k) never can.
Blog 132 – The 401(k) Tax Trap Nobody Warned You About
You earn good money. You do the right things — max your 401(k), save what you can, follow the playbook. And you still feel financially stuck. Not broke. Stuck. Like, there is money everywhere, and you cannot reach any of it. In this video, Isis and Pedro Palicio — IBC® Authorized Practitioners trained personally by Nelson Nash — break down exactly why that happens and what they discovered when they figured it out in 2008. They have designed thousands of IBC policies across all 50 states, and this is the only thing they do.
Blog 131 – The Structure Problem: Why Your Financial Plan May Be Working Against You
You earn good money. You do the right things — max your 401(k), save what you can, follow the playbook. And you still feel financially stuck. Not broke. Stuck. Like, there is money everywhere, and you cannot reach any of it. In this video, Isis and Pedro Palicio — IBC® Authorized Practitioners trained personally by Nelson Nash — break down exactly why that happens and what they discovered when they figured it out in 2008. They have designed thousands of IBC policies across all 50 states, and this is the only thing they do.
Blog 130 – Why High Earners Still Feel Broke — And What We Did About It
You earn good money. You do the right things — max your 401(k), save what you can, follow the playbook. And you still feel financially stuck. Not broke. Stuck. Like, there is money everywhere, and you cannot reach any of it. In this video, Isis and Pedro Palicio — IBC® Authorized Practitioners trained personally by Nelson Nash — break down exactly why that happens and what they discovered when they figured it out in 2008. They have designed thousands of IBC policies across all 50 states, and this is the only thing they do.
Blog 127 – Why The Infinite Banking Concept
The Infinite Banking Concept (IBC) is a significant paradigm shift for most people. You should start by reading Nelson Nash’s “Becoming Your Own Banker” several times with an open mind. Yes, indeed; since we started practicing and teaching the implementation of IBC in 2008, we have read that book 4 or 5 times each year, and each time we read it, we find new applications for this concept. We recommend that you also read Nelson Nash’s “The Case For IBC”.