Blogs

Blog 52 – The Long Road To IBC: Sheer Persistence Guarantees Success

Presentation given at the 2019 Infinite Banking Concepts Think Tank Symposium Pedro explains how he fled Communist Cuba as a young man, earned several degrees including a Ph.D. and an MBA from Columbia University in New York City, worked for a Think Tank of the U.S. Department of Defense in Washington, D.C., and later, The … Read more

Blog 51 – Presentation To The 2019 Nelson Nash Institute Think Tank – February 7, 2019

On February 7, 2019, I was invited to speak at this years Nelson Nash Institute’s Annual Think Tank. It was my pleasure and my honor to be given this opportunity. Below is my presentation.
The Long Road To IBC: Sheer Persistence Guarantees Success

2018 Christmas Card

Blog 50 – Use The Same Money For Both College Education And Retirement

After many years of designing Infinite Banking policies, the number one concern of most of our clients is how they can assist their children with their college education without affecting the retirement plans for themselves. As you already know, the advantage of Infinite Banking policies is the fact that you can reuse the cash value … Read more

Blog #49 – Questions to Ask AFTER You Apply For Life Insurance

Now we continue the conversation to discuss the questions and decisions that come into play during the application process. These questions are relevant to whole life insurance and may not apply to other types of life insurance, especially types with little or no cash value, or life insurance that does not guarantee the death benefit permanently. How will you know? Ask the questions!

Blog #48 – Questions To Ask BEFORE You Apply For Life Insurance

Questions To Ask BEFORE You Apply For Life Insurance
Nobody wants “buyer’s remorse” when it comes to something as important as life insurance! And yet, we hear it all the time… policy owners who wish they knew what they know now before they bought their policy!
Today we’ll give you some questions to consider early in the process. (There are also questions to consider later, such as specific riders, amount of insurance, beneficiaries, but first things first.) There are important questions you may not know to ask, and additionally, there are the questions that everyone asks that may be less important than you think!

Blog #47 – The Myth of Direct vs Non-Direct Recognition

Although you might be disappointed, the truth is that one method is not necessarily superior to the other. Direct recognition versus non-direct recognition is more a game of smoke and mirrors used by the insurance companies themselves to keep your focus away from what is really important. In fact, there are good and bad insurance contracts in both direct and non-direct recognition insurance companies.

Blog #46 – Strategies for More Income in Retirement

The biggest fear that people over the age of 60 have is running out of money in retirement. And for many Americans, this is a very real risk, not an irrational phobia.

Blog #45 – Where Should You Store Your Savings?

The answer is in an Infinite Banking policy. Nevertheless, most Americans put the amount they intend to save at risk by placing them in qualified plans, which are nothing more than investment vehicles controlled, not by you, but by the government, Wall Street and your employer. We would like to compare an IBC policy to qualified plans on four key elements.

Blog #44 – Private Lending: A Good Opportunity To Increase Your Wealth

Not only does private lending help diversify a stock-heavy portfolio, but through private lending, it is also very easy to diversify amongst different types of assets, or real estate investments, in different locations. 

Blog #43 – Cash Flow Is King

Have you taken a “30,000-foot view” of your finances lately? Is it positioned for the growth, strength, stability and cash flow you desire? To help you answer that, let’s examine asset allocation and diversification.

Blog #42 – History And Characteristics Of Modified Endowment Contracts

Congress established a statutory definition of life insurance in 1984 in IRC Section 7702 that was a significant step in eliminating the favorable income tax treatment of investments disguised as life insurance. In 1988 Congress further tightened the tax rules that apply to life insurance. Under these rules governing the taxation of life insurance, any life insurance contract becomes a modified endowment contract (MEC)and is subject to less favorable income tax treatment if it fails to meet the 7-pay test.

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