Becoming Financially Independent

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

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Blog 137 – Your Capital Is Not Inaccessible Because You Made A Mistake. It Is Inaccessible By Design

Most high earners who feel financially stuck are not stuck because of a bad decision. They are stuck because of a good one — followed faithfully for years.

Max out your 401(k). Build home equity. Keep your emergency fund liquid. These are not wrong instructions. They are correct instructions for the conventional financial framework. The problem is that the conventional financial framework wasn’t designed to give you access to capital. It was designed to defer consumption

Blog 128 – Loans Or Withdrawals?

Many clients inquire whether they should utilize a policy loan or a withdrawal when seeking cash from their Infinite Banking Concept (IBC) policies. As the owner of an IBC policy, it is essential to prioritize increasing your policy’s cash value to optimize its capacity and efficiency. The most effective way to enhance the cash value of your policy is through contributions to Paid-Up Additions, which can come from three sources: the Scheduled Paid-Up Additions rider, the Unscheduled Paid-Up Additions rider, or the Paid-Up Additions dividend option.

Blog 126 – Understanding Life Insurance Payouts And Taxes

Life insurance can be a powerful financial tool, but many people are left wondering: will my beneficiaries really receive the full benefit without tax implications? The truth may surprise you! 

Blog 123 – Dividend Options For Your Whole Life Insurance

When it comes to financial security and peace of mind, whole life insurance is always at the top of the list. While many people are aware of the primary benefits of whole life insurance — increasing cash value and permanent coverage —fewer understand the true potential that lies in the dividend options that come with these policies. If you currently have a whole life insurance policy, or you’re considering one, it’s crucial to know how you can maximize the advantages of your dividends. 

Blog 120 – Gold Nuggets From “Becoming Your Own Banker”

There are only two sources of income – people at work and money at work.” If you have the ability to do so, you should strongly consider investing your money in cash flow opportunities that would eventually exceed your annual expenses. If you don’t have the knowledge or ability in that opportunity, don’t take it.

Blog 119 – Advantage Of Taking A Policy Loan

John Doe is a male, age 36, non-smoker and in excellent health, paying $30,000 a year for 20 years to an Infinite Banking Concept (IBC) policy. See attached highlights of that illustration.  Assume that in policy year 7, John comes across a great opportunity in real estate that needs an investment of $200,000. John has … Read more

Blog 118 – Considerations In The Design Of Infinite Banking Concept Policies 

The first step in the implementation of the Infinite Banking Concept (IBC) is to read several times Nelson Nash’s “Becoming Your Own Banker” to be sure you don’t miss any of the gold nuggets within the pages of this book.

Blog 116 – The Richest Man in Babylon by George Clason

We read “The Richest Man in Babylon” many years ago; long before we were introduced to the Infinite Banking Concept in 2008. The author, George Clason, is known for writing a series of informational pamphlets about being thrifty and how to achieve financial success.

Blog 110 – We Develop Solutions That Create Value

“We Develop Solutions That Create Value” has been the tag line to our emails since 2008. That was the year when we decided to abandon traditional financial planning advice and concentrate uniquely in creating value by implementing the Infinite Banking Concept (IBC).

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