Infinite Banking Concept Authorized Practitioners

BLOG 135 – Average Returns Are a Lie Your 401(k) Statement Tells Every Year

Your financial advisor has probably shown you a chart. It shows the historical average annual return of the stock market — somewhere between 7% and 10% depending on the time period chosen — and uses that number to project what your 401(k) will be worth at retirement. That projection is not wrong in the way a calculation error is wrong. It is wrong in the way a question can be wrong — because it is answering something that does not actually determine your financial outcome. The average return on your portfolio does not tell you what you will have in retirement. The sequence of those returns does. And those are two completely different numbers.

Blog 136 – How to Access Capital Without a Penalty, a Bank, or a Tax Bill

You earn good money. You do the right things — max your 401(k), save what you can, follow the plan. And then a real opportunity comes up. Maybe it is a property you know is undervalued. Maybe it is a business move that has a deadline. Maybe it is simply the chance to deploy your own capital the way you have always wanted to.

And you realize that every dollar you have saved is locked behind three walls.

A penalty if you touch it before 59½. A bank that wants to approve you first. A tax bill the moment you pull it out. In this post, we are going to show you exactly how one mechanism dissolves all three of those walls — simultaneously — without liquidating a single dollar of your retirement savings.

2026 July BankNotes

In April of 1987, a newspaper ad ran in the Wall Street Journal with the following almost unbelievable bold headlines: “All Life Insurance Lets You Provide For Your Children—Ours Lets
You Buy Toys Of Your Own.”1 This ad was so ostentatious in its
message that it became Exhibit A in a Senate Hearing before the
Subcommittee on Taxation and Debt Management on March 25th, 1988.

Blog 129 – Premium Flexibility In Infinite Banking Policies

There are many types of Infinite Banking Concept (IBC) policies: paid in 10 years, paid to age 65, paid to age 95, paid to age 99, paid to age 120, etc. Does it really mean that you have to pay your policy premiums with out-of-pocket money for so many years? The answer is a rotund “no”. IBC policies and, in general, whole life policies offer significant flexibility in premium payments, helping you adapt your plan if your circumstances change or if you prefer different options.

2026 January and February BankNotes

Fortunate is the young person who has been taught basic money fundamentals by good parents and caring teachers. As a society, we all benefit from this type of education, but so often, this opportunity is not possible for everyone.

2025 December BankNotes

Opportunity cost is probably the single most important concept in economics. Nash first mentions the term on page 23 of his book. This comes under the section “Creating Your Own Banking System.” Notice that he highlights it.

2025 November BankNotes

In this article, we conclude our investigative reporting of Carol Quigley’s monumental volume, “Tragedy and Hope: A History Of The World In Our Time.” In addition to being an excellent historical account of Western Civilization with detailed analysis of the first two World Wars and ending in 1964, it also tells a most incredible story. If it were not for Quigley’s impeccable academic credentials and his use of verifiable facts, the mysterious account he weaves throughout his book could be interpreted as one of the most creative hoaxes ever publishe

Blog 124 – Background On Modified Endowment Contracts

When exploring Infinite Banking Concept (IBC) policies, you’ll likely encounter the term Modified Endowment Contract or MEC. This blog will help you understand what MECs are, how they are created, and how they are treated.

Blog 112 – Policy Loans Or Withdrawals?

A lot of IBC clients ask us if they should take a policy loan or a withdrawal when they need cash from their policies.

2024 June BankNotes

What lies behind all of this rampant corruption and impish display on
the part of so many financial elites. This is the question all concerned citizens are asking and many answers are pouring forth from the media to help us sort this out. But, at the end of the day, are we sure we really know who or what is at fault? Are we pointing our finger at the real source of the problem?