2024 February BankNotes

Nothing in recent years has convinced me more of this fact than attempting to explain the Infinite Banking Concept (IBC) to others. When I consider the number of years it took me to finally understand it, I wonder if its simplicity is not perhaps the real source of its difficulty.

2024 January BankNotes

A Business Credit survey1 conducted and published in March 2016 by
the Federal Reserve Banks of New York, Atlanta, Boston, Cleveland,
Philadelphia, Richmond, and St. Louis reports that “cash flow” is
the number one problem facing small businesses with fewer than
500 employees.

Blog 108 – Infinite Banking Policies Versus Qualified Plans

Control of your money: When you contribute to a qualified plan, the government, the retirement plan administrator and/or the employer, determines what you can invest in, how much you can invest depending on your age and/or income, when you can withdraw it, and what taxes and fees you’ll pay for withdrawing earlier. Of course, the government can and does change the rules!

When you contribute to an IBC policy, you and only you, are in control of your money. You determine how much to contribute to your policy, limited only by its design, and you determine when and how much you can withdraw or borrow from your policy. The insurance company that issues your IBC policy cannot change these rules!

2023 October BankNotes

Also relevant to this article is this perspective. According to the Tax Policy Center roughly 80 percent (of revenue for the federal government) comes from the individual income tax and the payroll taxes that fund the social insurance programs.

Blog 105 – Characteristics Of A Good Infinite Banking Policy 

The first step in successfully implementing the Infinite Banking Concept is to read and reread Nelson Nash’s book “Becoming Your Own Banker” as many times as necessary until it becomes obvious to you that you should control 100% of your financing needs.

Isis B. Palicio, LUTCF, MBA and Pedro A. Palicio, MBA, Ph.D.

Isis B. Palicio, LUTCF, MBA and
Pedro A. Palicio, MBA, Ph.D.,
Infinite Banking Concepts® Authorized Practitioners

2023 September BankNotes

—Adam Smith, An Inquiry into the Nature & Causes
of the Wealth of Nations. Volume I, 17591
Within this quote by Adam Smith resides the
fundamental premise for the creation of the IBC
Practitioner Program for financial professionals.

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