
Learn how to smoothly transition your family business from one generation to the next in this insightful blog post. As the older generation approaches retirement, the younger generation must take on the mantle of leadership. However, there are numerous issues to consider, including compensation, funding, and legal planning. The post offers practical tips for maximizing the efficiency of your money and finding the funds to buy out the older generation while still growing the business. Find out how one family-owned manufacturing company found $240,000 of annual recurring revenue to fund their exit strategy and gain much-needed cash flow relief.

Learn how to secure your financial future as a business owner by diversifying your assets, reinvesting profits wisely, and planning for retirement. Discover why it’s important to have liquidity and control over your assets and how to avoid being dependent on the sale of your business for retirement.

When you’re making a capital investment in your business. Any way you look at it. You are going to pay a finance cost. And what I mean by that is, if you finance, you’re going to pay interest to the bank or the credit company for the privilege of using their money. But if you pay cash, you are giving up interest that you could have earned on your money. So the question becomes, how can you make that capital investment in your business and still maintain control of your cash?

By its nature, a specially designed policy for cash accumulation puts extra money into the policy. A limited pay policy could make sense in a lot of situations, but it especially makes sense when you’re dealing with these specially designed whole life insurance policies designed for cash accumulation.

Are you saving for your future? Is it 10% of your income? Is it 15? Is it 20? Are you saving anything? And if you are, are you saving in a place where you have access to that money? In this blogpost we’re going to talk about how to strategically save for the future so that you’re able to meet your long term goals of retirement and your short term and intermediate goals as well.

As business owners, we all know how important it is to have access to cash when you really need it.

When it comes to finances, there are so many tricks and strategies that all claim to move forward. But the question is how do you make your money more efficient and how do you maintain liquidity use and control of your money?

As a young business owner, it could be simple to fall into the trap of reinvesting all of your profits back into your business to help that business grow and expand and hopefully grow your income as you go.

How do you save for your retirement and achieve your financial goals along the way?

There are so many financial tools available to us between IRAs, 401ks, brokerage accounts, loans, mortgages.

Are you thinking about taking the leap and expanding your business but feel hesitant in doing so?

Cash and cash flow, the lifeblood to any small business or family. We all have experienced the feeling of being stuck and frustrated for not having access to cash when we really need it.

Traditional financial planning centers on taking various levels of risk but not everyone needs to take on a ton of risk to become financially successful. In fact, a lot of people don’t even want to take risk.

Nowadays, it’s very common to have a blended family.Are you inadvertently disinheriting your own children based on your beneficiary designation?

We’ve all heard that you should pay yourself first. But how do you do that? In this blog post we’re going to talk about how to put your savings on subscription mode so you don’t have to make a conscious decision every single month.

We’re currently over $31 trillion in debt and interest rates have risen and they’re going to continue to rise in the near future. In this blog post let’s talk more about the tricks that the government use that causes inflation and learn more tips on how you can protect your business from stealth tax.

Do you realize that every single purchase we make is financed? But how do we make our money as efficient as possible and put the debt cycle to work for us? Read on and learn more tips on how to achieve financial freedom.

Do you feel strapped after putting large amounts of money toward your debt? Conventional wisdom can have you doing all the wrong things with your money. Making sure your money is accessible to you, AND working for you is our main goal. In this blog post, let’s talk about more money management tips so you can regain control of your cash flow this 2023

Traditional whole life insurance policies are paid for your whole life

A lot of times when we’re designing a whole life policy designed for cash accumulations, people will get hung up on the break even point

In every household and business the main key to finances is cash flow.

With the New Year often comes a refresh and what better way to start off the New Year than refreshing your finances so that you have more cash flow to do the things that you want to do, especially in these times of rising inflation and interest rates.

What are you doing for your finances this year that’s going to leave you in a better position on December 31st than you are right now?

You’ve heard us speak about the qualifications for life insurance several times. You may be wondering how much insurance could I get on my nonworking spouse, whether they’re a stay at home parent or just a homemaker?

There are several reasons why you would want to insure your child. Maybe you can’t get insurance on yourself and you’d like to lock in their future insurability. Maybe you’re cosigning their student loans. But regardless of the reasons, there are rules when it comes to ensuring your child.

Whether you have a service, business, distribution, business or manufacturing business, your problem remains the same. It’s all about cash flow.

There are certainly a lot of reasons why you could use a specially designed whole life insurance policy.

Have you considered getting a life insurance policy but you’re turned off by the idea of an insurance physical?

Are you a business owner who is insuring your PCs for more than your VPs? You see, there are three main reasons why you would want to insure your key employees.

When you’re first starting out in business, it’s all about survival. What can you do to get sales and maintain efficiency so your business doesn’t go under? But as your business matures, it’s important to make adjustments for longevity and efficiency within your business.

We all know that inflation is running rampant these days and the federal governments national debt is now $31 trillion and counting.

If you are making any type of purchase these days, you’re without a doubt experiencing firsthand the effects of inflation. In this blogpost, we’re going to talk about inflation in our economy and the impact of inflation and the national debt on our country.

Are you wondering how you could increase your cash flow without making more sales or reducing your overhead?

When people find out how powerful, specially designed whole life insurance policies designed for cash accumulation are, oftentimes they want to put in as much money as possible on a monthly basis.

So you wanted to get started with the infinite banking concept and you went through the underwriting process and lo and behold, you didn’t qualify for the insurance.

So you’re ready to request a policy loan and you’re wondering exactly what’s going to happen. You may be wondering how do you request a policy loan and what does that look like?

So you’ve decided that you’re ready to take a policy loan. How do you go about accessing that money? Well, it’s real simple. You’re giving an order to the insurance company with either a form, a phone call or going online and requesting that policy loan. They’ll either send you a check or put the money right into your bank account. But then the next question becomes, how do you pay that loan back? And do you have to?

What if there was a way to achieve your financial goals no matter what they are, without reducing your lifestyle or without taking on additional risk? Wouldn’t you want to know about that?

It’s a foregone conclusion, you are going to do some renovations or remodeling around the house. Whether it’s adding on a deck, redoing the kitchen or a bathroom, getting new windows and siding. Either way, remodeling your house is a major capital purchase, and you’ll always hear us say, it’s not what you buy, it’s how you pay for it that really matters.

Have you recently received an inheritance or anticipate receiving one soon? For the past 37 years working in financial services, I’ve seen many people receive inheritances and they generally fall into one of two categories. First, they’re either a spender, or second, a saver.

Did you know that every single cash value life insurance policy has something called a policy loan provision, that allows you to have full liquidity use and control and access to that cash via a policy loan?

The Golden Rule in personal finance is to pay yourself first, but the question becomes, how do you do that? There’s never been more competition. It’s never been easier to give away control of your cash flow.

We often talk about the living benefits of life insurance, but we’re skipping out on a huge benefit,
and that’s the death benefit that comes with every single life insurance policy. So let’s start at a very high level. What is a life insurance policy?

What we often forget is that there’s a whole universe of knowledge out there and not one person could know everything in the entire universe. It’s simply impossible. What we’re able to do is leverage the knowledge of other people, that’s the easiest way to expand your slice of knowledge.

There are a lot of things to consider as a business owner with a business partner. And one question that should be answered by any successful business owner is what will happen when my business partner dies?

There are only two factors that affect compound interest: time and money. And we can never get time back. That’s why it’s so important to start now and never drain the tank. In this blogpost let’s crack the code on how we can take advantage of the Compound Interest Favorably.

Let’s face it, none of us wake up in the morning and say, “Hey, how can I hold myself back financially today?” No, we think we’re making the best decisions that would be moving us forward. But what if what you thought to be true turned out not to be true? When would you want to know about it?

Are you thinking about buying a whole life insurance policy and wondering if it makes sense to add a paid-up additions rider? If that sounds like you stick around because we’re going to go over exactly why it may make sense to add that rider to your policy.

Are you a small business owner and looking to grow your business, but wondering how you’re going to retire one day? If that sounds like you, stick around because today we’re going to talk about how you could continue to fund the growth of your business and still save for the future.

Many financial advisers out there suggest buy term and invest the difference. But that may not be the best strategy. In this blogpost we’re going to talk about what strategies to avoid.

When it comes to risk, are you willing to leave your money at risk in the jungle every single day for the rest of your life in order to earn a high rate of return? Keep in mind that the rate of return isn’t guaranteed and nowhere is it written that you have to lose 50-70% in the market in order to get a high rate of return.In this blog we’re going to talk about rate of return and why rate of return isn’t the end-all-be-all of any financial plan.

Let’s get started with the five things you could do today to move you ahead financially down the line, whether you’re just getting started or maybe your income isn’t as high as you’d like it to be, these things can make a huge impact on your financial future regardless to set yourself up for financial success!

Let’s take a step backward. What exactly is the disability waiver of premium rider and what does it do and why would you want it? Well, the disability waiver of premium rider is a rider on the policy that has a small cost that ensures your premium gets paid even if you’re not paying it yourself. So if you become disabled and unable to work, the insurance company is going to cover the cost of your premiums.

Have you ever wondered how banks make money? Well, stick around to the end of this blog post because we’re going to go over the velocity of banking and why it’s vital to control the finance function in your life.

Do you have an IBC policy or are you thinking about getting one? If that sounds like you stick around to the end of this blog post because today we’re going to go over the four essential rules that need to be followed for any IBC policy to be put to work for you.

Are you shopping around for a term life insurance policy and looking for the best rate? Here’s a secret – there are no deals and life insurance. Today we’re going to go over exactly what you need to be looking for while shopping for a term policy and it’s not only the price.

On a daily basis, it seems as though we talk to one of two people. The first is a young person who sees no need for cash-value life insurance, and the second is a person in their forties, fifties, or sixties who is saying, “Man, I wish I had this information and acted on it 20 years ago.” Find out what connects these two types of people!

You’re in control of the process, which means you determine if, when, and how quickly those loans are paid. But now the question becomes, why is it important to pay back those loans?

You’ve heard us say it before and we’ll say it again: Whoever controls your cash flow controls your life. Today, we’re going to talk about why it’s important to control the banking function in your life.

Are you dreaming of the day when you finally get to ring the “debt-free bell”? If that sounds like you, stick around to the end of this blog because we are going to do a deep dive on whether it’s better to be debt-free or to own your own debt.

Are you looking to get started with the infinite banking concept but you’re wondering what the best type of policy is? Is it universal life, index universal life, variable universal life, or whole life insurance? Stick around because today we’re going to do a deep dive on what the best type of policy is for you and your situation.

What would happen if you woke up tomorrow and were no longer able to work? What would happen to your family? What would happen to your lifestyle? If you haven’t considered this, stick around to the end of this blog because today we’re going to do a deep dive on how to insure your income.

Are you rich on paper but feel financially stuck and frustrated? You’re not alone. Stick around to find out how to regain control of your money!

Do you make a good income but still find yourself living paycheck to paycheck? If that sounds like you, stick around to the end of this blog. Today we’re going to show you why it’s not how much money you make, it’s how much money you keep that really matters.

If you’ve been reading our blog for a while, you know that we’re constantly preaching about controlling your cash flow. And you may be wondering, why do I need to control my cash flow and why is that even important?

Have you met with a financial adviser who turned you away because you didn’t meet their account minimum? Well, today’s your lucky day, because today we’re going to take you through exactly how to go from having nothing or not enough to being abundant and living financially free.

Are you a millennial saving for retirement in your employer-sponsored retirement plan? If you’re wondering if there are better ways to save for your financial goals and retirement, there are!

So, you’re purchasing a whole life insurance policy specially designed for cash accumulation, and you’re wondering how much money exactly is going to be available within the policy during those first few years. If that sounds like you stick around to the end of this blog post because today we’re going to do a deep dive and you’ll know exactly what to expect going forward.

Today we’re going to share with you ideas and strategies that transcend finances. It will be information that can impact your life on a much bigger and deeper level than just financially. Implementing these strategies can give you back control of your money, your cash flow, and your life.

Did you ever think about what would happen to your retirement nest egg if you happened to retire during a down market? Everyone knows the cardinal rule: never do a double negative. Never take money out of your investment account during a down year. But where does that money come from if it’s not coming from your investments? Stick around to the end of this blog to find out.

What would be the safest way to make your money last longer in retirement? Wouldn’t it be to reduce or eliminate your tax obligation? Stick around to the end of this blog and we’ll show you how to use a specially designed life insurance policy to reduce or eliminate your tax obligation and keep the government’s hands out of your retirement.

Have you ever heard of a modified endowment contract or a MEC? Well, stick around to the end of the blog, because today we’re going to do a deep dive into the nitty-gritty of MEC contracts.

When it comes to the Infinite Banking Concept, there’s one major key to consider before you get started. Is your company a direct recognition company or a non-direct recognition company? Today, we’re going to take a deep dive into five criteria that we’ve used when choosing an insurance company.

So you’ve been looking into the infinite thinking concept and you’re wondering when is the best time to get started? Well, age is an important factor. And today we’re going to do a deep dive on what the best age to start a policy is.

Are you buried in credit card debt or student loans? And you’re looking for the best way to pay them off as soon as possible? If that sounds like you stick around to the end of this blog because today we’re going to go over a few methods of how to get out of debt and put you in a financially secure position along the way.

Some so-called financial experts recommend making extra mortgage payments on your balance. If you’re considering this, you need to stick around to the end of this blog because today we’re going to go over three reasons why this may not be the best decision for you and your financial security.

Wouldn’t it be great if you could get $1 to do the job of multiple dollars? Are you wondering how this could be possible? Well, stick around to the end of this blog, because today we’re going to talk about multiple duty dollars and how to get your money to work harder for you and your family.
For most of us, our income is limited every month. We only have so much money coming in, so it’s important, and this is why we always preach: It’s not how much money you make, it’s how much money you keep that really matters. It’s also very important to make that money as efficient as possible – to make it work as hard as possible for you and not for the other guys.

Are you wondering what the best type of account is to use to fund your retirement? There are so many accounts and so many rules, it could all get a bit confusing. But if you’re wondering how to use a cash value life insurance policy to help supplement your retirement income and why it’s a good move, make sure you stick around to the end of this blog.

Are you finally ready to get on track with your finances but aren’t quite sure where to start? Today we’re going to take a deep dive on how to budget and how to finally get on track to pay off your credit cards, your student loans, and how to finally start saving to accomplish your financial goals.

Have you ever felt like you’re doing everything right? You’re paying off your debt as quickly as possible, you have a short mortgage term, you’re maxing out your retirement plans, you’re paying cash whenever possible, and you’re investing in the stock market as much as you can afford to, but you’re still not seeming to get ahead. You still can’t reach that feeling of financial freedom like you’ve finally made it? If that sounds like you, continue reading because we’re going to diagnose exactly why that may be the case and recommend some simple shifts you can make to reach financial freedom.

In this blog, we’ll talk about how you’re using your money, how banks use it to make more (for
themselves), and how you can replicate their model of money flow to make sure you’re generating
wealth for as long as you live. We’ll talk about the infinite banking concept, how it works, and how
you can apply it in your own, everyday transactions and money strategies.

We have been constantly talking about the importance of you being in control of your money or regaining control of your money. So why is it so difficult to accomplish despite it being a very simple concept? In this blog post, we are going to talk about the unintended consequences that result from following traditional or conventional wisdom when it comes to your finances and how to regain control of your money by just knowing these things.

We have a team that specializes in the college application process. They will help you with everything from filling out the free application for federal student aid – FAFSA, to helping your child write essays for their college application. They will also help you negotiate for a better deal after you have received your initial offer on financial aid. All of these things are to help your student get into their dream school, a school that is a good fit for them. Not just that, it also helps parents not to overpay for their children’s college education.

Regaining control of your money means putting you in a position where you could access your money when you need it. When we talk about plugging those leaky holes in your financial bucket, it’s literally identifying the five major areas where you are giving up control of your money. Those areas are taxes, how you fund your retirement, how you pay for your children’s college, how you pay for your real estate mortgages and how you make major capital purchases. We do a deep dive as to how you’re using your money in these five areas to show you exactly where you’re giving up control of your money.

The cost of college is not the same for everyone. Not everyone who goes to the same school in the same year will pay the same amount for college. The cost of college is individual to each family, and it’s based on a few factors used in the financial aide calculation. That calculation includes parent’s income, parent’s assets, student’s income and student’s assets.

Congratulations! You are now ready to access the cash value in your life insurance policy and might want to organize your finances by separating your family finances from your policy finances. In this blogpost we will talk about everything you need to know about setting up a segregated account for your policy finances.

When it comes to financial planning, we all have one end goal in mind. That’s retirement. For the past thirty seven years as a financial services professional, when people come to us with their yet to be taxed IRA or 401K statements, they are generally shocked when they find out how much they have to pay in taxes.Many don’t realize that after you earn your income and you pay your tax, whether or not you pay tax again on that money, the rest of your life is optional. It’s voluntary. The key is knowing what your choices are up front.

Only in a whole life insurance policy, you can have access to the cash values without draining the tank. Basically you’re able to continuously earn compound interest and access that money to make an investment that will potentially earn you a higher rate of return.

One of the most misunderstood concepts of life insurance policies is the so-called 4% guaranteed rate of interest.
As a result of it a lot of times people get a life insurance policy but don’t see what they are told – the guaranteed 4% rate of return.
The 4% isn’t a guaranteed interest rate of return, but rather a discount rate.

Currently we’re at 20.7 trillion of money in circulation. In 2025, it’s projected to be 33.5 trillion, and in 2029, it’s projected to be $53.9 trillion. Doesn’t that create inflation? What does that mean to us? Well, isn’t inflation really having an effect on the purchasing power of our money? Isn’t that literally a way that the government found to pay their bills by taking money from us, stealing our purchasing power?

When you first start your business, it’s very important, actually, it’s vital that you reinvest the profits into the business to help the business grow. However, as your business continues to grow more and more, your net worth becomes enmeshed in the business. Consequently, your net worth becomes illiquid and inaccessible. And that has a direct impact on your cash flow.

Banks are really good at getting us to do what’s in their best interest and they do it under the premise that it’s in our best interest. And they’re so good at doing it, most of the time, we don’t even know what’s happening.

Make no mistake about it – whether you finance through conventional methods, through a bank or a finance company, or with using our process and borrowing against your cash value – every payment you make will increase somebody’s net worth. Using our process, you will increase your net worth.

Are you thinking about buying a life insurance policy on a child or grandchild, but aren’t exactly sure what the benefits of this purchase are? Fundamentally life insurance is a transfer of risk, and in most cases it’s a transfer of risk from the insured to the insurance company for the case of premature death.

For many people, the term 401k is synonymous with retirement preparation, and sometimes represents the full extent of
their preparedness. Such accounts are often included as part of a benefits package provided by employers, and chances
are if you have one, most of your retirement savings are being deposited into this account.

Are you thinking about buying a life insurance policy, but aren’t sure what to do because there are so many options? Well, stick around to the end of this video, because we’re going to go over the five different types of life insurance policies.

We would like to outline what it means for us to be a financial
advisor for our clients, and it’s not dissimilar to the relationship a golfer has with their caddie.

We all want to make the most of the resources available to us; to be as efficient as we can be while also avoiding wealth transfers. Once a decision has been made to part with our dollars, it is permanent. Since we can never have those dollars back again, it makes sense to spend them wisely.

Lifestyle money represents the dollars you are spending to maintain your current standard of living: where you live, what you eat, where you vacation etc. For many people, this is where the conversation ends. While everyone wants to solve their financial problems, reducing their current standard of living is not a popular option.