Infinite Banking in Coral Gables

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 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.

Blog 103 – Continuous Compounding Of Your Cash Value

The cash value in your Infinite Banking, or IBC policy, continuously compound. In fact, the cash value grows exponentially based on the interest and dividends allocated to your insurance contract. The meaning of exponential growth is that the growth is not the same every year but that it increases every year, and this is a very good thing!

2023 August BankNotes

“There are probably thousands of such
examples of misclassification that we run into every day but they
probably don’t increase the quality of our lives. Instead, they limit
our thinking and lead us to wrong conclusions. Words are powerful
things!”

Blog 102 – Use Your IBC Policy To Supplement Your Retirement 

The cash value in your Infinite Banking Concepts (IBC) policy is guaranteed to increase every single year by a contractually set amount regardless of what happens in the stock market. Those guaranteed cash value increases that you receive are based on the “worst case” income and expense scenario projected by the insurance company and assumes no dividend is declared ever again. When the insurance company’s performance in any given year is better than that, you will receive a dividend. Although dividends are not guaranteed, the companies we use have paid dividends every year for over 170 years, including the Great Depression and two World Wars.

2023 July BankNotes

Becoming Your Own Banker, by author R. Nelson Nash is an
extraordinary book. And yet, it’s not actually a book as much as it
is a book-let. A mere one hundred and seven pages in its entirety, it
dispenses wisdom and logic of a kind that only an individual who has
been educated in the Austrian School tradition could have written.
Neither the brevity of its treatment nor its plain language takes away
from the fact that it contains information of great intellectual and financial depth.

Happy Fourth Of July 2023!

On behalf of Universal Wealth Managers LLC, we want to take a moment to wish you and your family a happy, safe, and enjoyable holiday. As we reflect on the freedoms that this day represents, we are grateful for the opportunity to serve you. Happy Fourth Of July 2023!

Isis and Pedro Palicio

Blog 100 – Direct and Non-Direct Recognition

The terminology of direct and non-direct recognition refers to the method that the insurance company or insurance contract uses in paying dividends when there is an outstanding policy loan.

Blog 99 – Key Thoughts From “Becoming Your Own Banker”

Do you realize that IBC is all about how to create your own banking system so you can control 100% of your financing needs?

Once you control 100% of your financing needs, you won’t be paying interest to outside banks, finance, and credit card companies, but to a financial instrument that you own and control – your IBC policy.

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