Tier 1 Blogs

What Are Whole Life Insurance Dividends and How Can You Use Them to Build Wealth?
What Are Whole Life Insurance Dividends and How Can You Use Them to Build Wealth?

Whole life insurance policies with mutual insurance companies offer unique dividend options that can help you grow wealth, reduce premiums, increase death benefits, or even manage loans. This guide explores the six main dividend options in detail, showing how each one works and how you can choose the best strategy to align with your financial goals, whether it’s immediate cash flow, long-term growth, or debt management.

What Is the Infinite Banking Concept and How Can It Transform Your Financial Future?
What Is the Infinite Banking Concept and How Can It Transform Your Financial Future?

he Infinite Banking Concept isn’t about life insurance—it’s about control. As Nelson Nash outlined in Becoming Your Own Banker, every purchase we make is either financed through interest paid to someone else or by losing the interest we could have earned by paying cash. By leveraging a properly structured whole life insurance policy, you can create a personal pool of money that gives you the freedom to manage debt, invest, and plan for the future—all on your terms. It’s not just a financial tool; it’s a process of taking ownership of your finances and building a legacy of generational wealth.

Secrets to Achieving Financial Freedom: Take Control of Your Money Today!
Secrets to Achieving Financial Freedom: Take Control of Your Money Today!

Financial freedom isn’t just about how much you earn—it’s about how you manage, control, and access your money. Many people unknowingly lock their savings into restrictive accounts, leaving them unprepared for emergencies or opportunities. By focusing on liquidity, use, and control, you can break free from financial stress and live life on your terms. At Tier 1 Capital, we help you optimize cash flow, regain control of your finances, and achieve true financial freedom. Control equals freedom—start taking control today.

Is It Possible to Take Out Life Insurance on Your Partner, Parent, or Business Partner?
Is It Possible to Take Out Life Insurance on Your Partner, Parent, or Business Partner?

Did you know you can buy life insurance on someone else’s life—not just your own? Under certain conditions, insuring a partner, parent, or business associate can provide financial security if you would face a financial setback from their passing. In this post, we’ll explore how this works, who qualifies, and why this strategy could be a smart move for protecting your financial future.

The Key to Financial Control: Why Cash Flow Matters More Than Rate of Return
The Key to Financial Control: Why Cash Flow Matters More Than Rate of Return

At Tier 1 Capital, we believe optimizing your cash flow is far more critical than chasing high rates of return. You can’t spend rate of return, but cash flow is the lifeblood of both your family and business. By identifying inefficiencies—what we call “money leaks”—you can plug those gaps and keep more money under your control. With better cash flow, you’re empowered to make smarter financial decisions, build savings, and avoid high-interest debt. It’s not about how much you earn, but how efficiently you manage what you have.

Learn how to take control of your cash flow and secure your financial future with our strategic approach.

Life Insurance Dividends vs. Investment Dividends: What’s the Smarter Choice for Growing Your Wealth?
Life Insurance Dividends vs. Investment Dividends: What’s the Smarter Choice for Growing Your Wealth?

Whole life insurance with a mutually owned company offers a unique advantage: dividends. Unlike investment dividends, life insurance dividends are a return of overpaid premiums and are not taxable. These dividends can be reinvested to boost the cash value of your policy, leading to compounding growth over time. While dividends aren’t guaranteed, mutual insurance companies have a long history of paying them consistently. This feature makes whole life insurance a powerful tool for cash flow flexibility and long-term financial growth.

Life Insurance Dividends vs. Investment Dividends: What’s the Smarter Choice for Growing Your Wealth?
Life Insurance Dividends vs. Investment Dividends: What’s the Smarter Choice for Growing Your Wealth?

When it comes to whole life insurance with a mutually owned company, dividends play a crucial role in growing your policy’s cash value. Unlike investment dividends, life insurance dividends are a return of overpaid premiums and are not taxable. Reinvesting these dividends can significantly boost your policy’s long-term growth through compounding. Although dividends aren’t guaranteed, mutual insurance companies have a strong track record of paying them consistently.

Mastering Cash Flow Management: How Small Business Owners Can Regain Control and Increase Profits
Mastering Cash Flow Management: How Small Business Owners Can Regain Control and Increase Profits

Cash flow is the lifeblood of any business, but many small business owners unknowingly sabotage their financial freedom by mismanaging cash flow. In this post, we explore practical strategies to regain control of your finances, avoid common mistakes like paying cash for everything, and ensure your business profits continue to grow

How Whole Life Insurance Builds Wealth, Grows Tax-Free, and Creates a Financial Legacy
How Whole Life Insurance Builds Wealth, Grows Tax-Free, and Creates a Financial Legacy

Whole life insurance is more than just a death benefit—it’s a powerful tool for building wealth, growing your assets tax-free, and securing a lasting financial legacy. By investing in a policy from a mutually owned insurance company, you can benefit from dividends, which represent a share of the company’s profits. These dividends, when reinvested, compound over time, significantly increasing the policy’s cash value. With the ability to access this cash through policy loans while the policy continues to grow, whole life insurance offers unique financial flexibility. Whether you’re looking to supplement retirement income, take advantage of investment opportunities, or leave a tax-free legacy for your family, this strategy provides a win-win solution for your financial future.

Why Whole Life Insurance is Essential for Wealth Building, Tax-Free Retirement and Legacy Preservation
Why Whole Life Insurance is Essential for Wealth Building, Tax-Free Retirement and Legacy Preservation

Whole life insurance is a versatile financial tool that can serve as a current, accumulation, and legacy asset. It provides immediate access to cash value for today’s needs, helps you build wealth over time, and offers a tax-free strategy for supplementing retirement income. Additionally, the death benefit ensures a lasting legacy for your loved ones. Discover how whole life insurance can enhance your financial strategy by offering flexibility, security, and control.

Mastering Financial Freedom: Overcome Inflation, Debt, and Cash Flow Challenges
Mastering Financial Freedom: Overcome Inflation, Debt, and Cash Flow Challenges

In today’s challenging financial landscape, many people are struggling to keep up with rising inflation and mounting debt. With inflation up 18.6% over the last three years and savings down 37%, it’s no wonder that financial stress is at an all-time high. Traditional strategies like saving for retirement and paying off credit card debt simultaneously can leave you feeling trapped, as your money is either locked away or eaten up by high-interest payments. Instead, consider building a pool of cash that you own and control, providing a safety net for unexpected expenses and giving you more freedom and control over your financial future.

Financial Strategies to Benefit From Inflation
Financial Strategies to Benefit From Inflation

In a world where inflation steadily erodes the value of money, the dollar you hold today is the most valuable it will ever be. The key to financial freedom lies in maintaining control of your money, allowing you to take advantage of opportunities as they arise. By opting for longer mortgage terms, limiting retirement contributions to employer matches, and avoiding extra mortgage payments, you can build a pool of liquid cash that keeps you in control.

How to Get the Most Out of Your Income: Proven Strategies for Financial Control
How to Get the Most Out of Your Income: Proven Strategies for Financial Control
A lot of people come to us feeling frustrated and stuck. They’re earning a good income—whether it's from a job or a business—yet they don’t feel financially free. Whether their income is $100,000 or $500,000, the feeling is the same. This frustration stems not from…
Making Your Money Work Harder: A Solution to Inflation and Economic Challenges
Making Your Money Work Harder: A Solution to Inflation and Economic Challenges

In today’s economic climate, many are grappling with the impacts of rising inflation, decreasing savings rates, and the overall erosion of money’s value. The question on everyone’s mind seems to be: “How can I counteract these economic trends and make my money work more efficiently?”

Are Traditional Financial Strategies Holding You Back?
Are Traditional Financial Strategies Holding You Back?

When it comes to managing your finances, there’s no one-size-fits-all solution. We all strive to make the best choices with the information we have, but conventional wisdom often falls short, leaving many feeling financially stuck despite their best efforts. Today, we’ll explore some common financial strategies that might not be as effective as they seem and discuss how a fresh perspective could unlock new possibilities for financial progress.

Mastering Your Whole Life Insurance Strategy: Optimizing Your Cash Value Growth
Mastering Your Whole Life Insurance Strategy: Optimizing Your Cash Value Growth

When it comes to specially designed whole life insurance policies aimed at cash value accumulation, understanding the order of operations for your premium deposits is crucial. Should you prioritize paying your base policy premium first, or allocate funds toward the paid-up additions rider?

Saving for Retirement: Making Your Money Work Efficiently
Saving for Retirement: Making Your Money Work Efficiently

Saving for retirement isn’t just about putting money aside; it’s about ensuring that your savings can support you throughout your retirement years. In today’s financial landscape, where balancing current lifestyle needs with future financial security is crucial, understanding how to maximize the efficiency of your savings becomes paramount.

Getting Serious About Saving: Where to Start
Getting Serious About Saving: Where to Start

Are you eager to build your savings but unsure where to begin? Many traditional financial advisors might turn you away if you don’t already have a sizable sum to invest. But here’s the truth: You don’t need a fortune to start securing your financial future. Let’s break down how you can accumulate your first $50,000 and set yourself up for success.

5 Surprising Benefits of Life Insurance
5 Surprising Benefits of Life Insurance

Life insurance often gets a bad rap when it comes to financial planning. Many consider it solely as a tool for providing a death benefit, overlooking its versatile capabilities. In this blog, we’ll delve into five lesser-known benefits that life insurance can offer, shedding light on its potential beyond traditional perceptions.

The 401k Dilemma: Questions to Ask Before Contributing
The 401k Dilemma: Questions to Ask Before Contributing

Retirement is the ultimate goal for many of us. The dream of being able to stop working and still maintain a comfortable lifestyle is what keeps us planning and saving. One of the most common tools for retirement planning is the 401k, or its counterpart, the 403b. These government tax-qualified plans offer attractive benefits like tax deductions on contributions and tax-free growth until withdrawal. However, before diving headlong into your 401k contributions, it’s crucial to ask some important questions.

The Truth About Paying Off Your Mortgage Early
The Truth About Paying Off Your Mortgage Early

Paying off your mortgage quickly might seem like the financially responsible thing to do, but is it really in your best interest? Let’s dive into this topic and uncover why rushing to pay off your mortgage might not be the smartest move.

The Mortgage Myth: Why Taking Longer Could Be Smarter
The Mortgage Myth: Why Taking Longer Could Be Smarter

Are you tired of the constant drumbeat telling you that paying off your mortgage as fast as possible is the key to financial freedom? Let’s challenge that notion today.

Home Equity Lines of Credit (HELOCs): Risks and Considerations
Home Equity Lines of Credit (HELOCs): Risks and Considerations

In today’s fast-paced world, access to cash can often be the difference between seizing an opportunity or facing a financial setback. For many homeowners, a Home Equity Line of Credit (HELOC) presents a tempting solution to tap into their home’s equity quickly.

The Myth of Account Minimums: Why Starting Where You Are Matters More
The Myth of Account Minimums: Why Starting Where You Are Matters More

Are you eager to dive into investing but feel discouraged by hefty account minimums set by financial advisors? This predicament is not uncommon. Many individuals, like a couple I recently spoke with, encounter barriers due to these minimums, often set at astronomical figures like $1,000,000.

Rethinking Financial Lessons: Why Cash Isn’t Always King
Rethinking Financial Lessons: Why Cash Isn’t Always King

Are you a firm believer in the mantra that “cash is king”? It’s a common adage, deeply ingrained in many of us, advocating for the virtues of paying cash and avoiding debt at all costs. We’re told to clear our mortgages, credit cards, and student loans as swiftly as possible, freeing ourselves from the clutches of external financial burdens. But what if this belief, seemingly prudent on the surface, is actually holding us back?

How to Use Life Insurance for Future Financial Flexibility
How to Use Life Insurance for Future Financial Flexibility

Are you looking to secure your financial future but unsure where to begin? One avenue worth exploring is utilizing a specially designed whole life insurance policy tailored for cash accumulation. This strategy empowers you to plan for both known and unforeseen financial needs with flexibility.

Tips for Starting Your Infinite Banking Journey
Tips for Starting Your Infinite Banking Journey

When it comes to the Infinite Banking Concept, it’s easy to get caught up in the details and questions like “Should I start now?” or “Am I ready?” The truth is, the best time to start was yesterday, but the second-best time is today. Let’s dive into how you can start your journey without overwhelming yourself.

CD vs. Annuity: Maximizing Your Lump Sum
CD vs. Annuity: Maximizing Your Lump Sum

Do you have a lump sum of money and you’re wondering how to get the most out of it? Well, one option could be a CD. But another option could be an annuity. Have you ever wondered what the differences are, what the pros and cons are of each of these products?

Power of Infinite Banking: Why It Takes Time to Recapture Your Investment
Power of Infinite Banking: Why It Takes Time to Recapture Your Investment

So you may be wondering, Yeah, why does it make sense to put money in a whole life policy? That’s a lousy investment. It’s going to take me so long to break even and then earn a rate of return on that money.

Why Pay Interest to Access Your Own Money?
Why Pay Interest to Access Your Own Money?

A question that you may have, if you’re thinking about implementing the infinite banking concept, is why on earth would I be paying interest to access my own money?

Exploring Limited Pay Policies in Infinite Banking
Exploring Limited Pay Policies in Infinite Banking

When it comes to the infinite banking concept, the traditional design is a life paid-up at age 100 or 121 with a 40/60 split, 40% base policy, and 60% to paid-up additions. But sometimes we think it can make sense to do a limited pay policy, whether that be a 10 pay, a 20 pay, or a paid-up at age 65.

Infinite Banking for Near-Retirement: Maximizing Financial Efficiency
Infinite Banking for Near-Retirement: Maximizing Financial Efficiency

Are you nearing retirement and considering implementing the infinite thinking concept, but have the feeling that it’s too late?

Empowering Your Children Financially: A Guide to Generational Wealth
Empowering Your Children Financially: A Guide to Generational Wealth

Everyone knows that money is important. But have you ever wondered how to educate your children on becoming financially literate and how to become financially free?

Harness the Potential of Life Insurance: Creating a Family Banking System
Harness the Potential of Life Insurance: Creating a Family Banking System

Imagine having a pool of cash that you own and control that’s large enough that neither you nor your family ever has to use traditional banking systems ever again. Now there may be an interest that needs to be paid on those loans, but imagine having death benefit to recoup the interest lost over those years of financing through this family banking system. That is power.

Financing vs. Debt: Making Your Money Work Smarter
Financing vs. Debt: Making Your Money Work Smarter

Do you realize that we finance every single purchase that we make, whether we pay cash or borrow? Conventional wisdom has taught us that debt is bad and should be avoided at all costs. So what’s the difference between financing and debt?

Optimizing Your Infinite Banking Strategy
Optimizing Your Infinite Banking Strategy

One of my most frequently asked questions is how many policies should I have and whether is there a benefit to having one big policy versus several smaller policies. When deciding what the best policy for you is, you may be wondering how much premium is too much premium and what is the benefit of having multiple policies working for you.

The Power of Leverage in Financial Planning
The Power of Leverage in Financial Planning

When on a search for financial freedom, there are a lot of different opinions out there and it can be hard to decide what is the best decision for your situation.

Maximizing Your Money: The Efficiency of Purchasing Decisions
Maximizing Your Money: The Efficiency of Purchasing Decisions

Do you realize that we finance every single purchase we make, whether we pay up interest by financing or give up interest by paying cash? There’s not really any middle ground. What is the best way to make purchases in the most efficient manner?

Building Your Infinite Banking System: Start Where You Are!
Building Your Infinite Banking System: Start Where You Are!

When it comes to starting your banking system, the most important piece of advice that I give people is to start where you are. Start with whatever budget feels comfortable for your situation at the time.

The Power of Leverage: Grow Your Wealth with Smart Financial Strategies
The Power of Leverage: Grow Your Wealth with Smart Financial Strategies

There are many definitions of leverage, but the one I like best in financial terms is to use the least amount of money to control the greatest amount of assets. Think about it. For real estate investors, what do they do? They borrow other people’s money. They get bank loans to buy real estate, and then they let their tenants pay the mortgage.

Personalizing Policy Design for Infinite Banking with Whole Life Insurance
Personalizing Policy Design for Infinite Banking with Whole Life Insurance

If you’re looking into the infinite banking concept using a whole life insurance policy, I’m sure you’ve heard of the different splits. Do I do a 90/10? Do I do an 80/20? Do I do a 40/60? What is the best design for me and how do I get the most out of my policies?

Practice Financial Efficiency with Life Insurance Policy Loans
Practice Financial Efficiency with Life Insurance Policy Loans

If you have a whole life insurance policy, there’s a contractual provision built into your contract that allows for policy loans. Policy loans are unique in that they’re unstructured, and you have guaranteed access via this loan provision. We usually recommend policy loans for our clients because they’re unstructured and they make the rest of their money more efficient.

Understanding Whole Life Insurance: Cash Value vs. Death Benefit Explained
Understanding Whole Life Insurance: Cash Value vs. Death Benefit Explained

When it comes to specially designed whole life insurance policies designed for cash accumulation, you hear us talk about the cash value as well as the death benefit. A question that we’ll often get at the death of the insured is, “Are both the death benefit and the cash value, paid out to the named beneficiary?”

Smart Finance Tips for the Holiday Season: Avoid the Credit Card Hangover
Smart Finance Tips for the Holiday Season: Avoid the Credit Card Hangover

The holiday season is officially upon us. Let’s talk about how to manage spending and how to finance the holiday season because, for many Americans across the country, the holiday season can feel like a major capital purchase.

Unlocking Your Financial Ferrari: How an Old Life Insurance Policy Rescued a Family from Debt
Unlocking Your Financial Ferrari: How an Old Life Insurance Policy Rescued a Family from Debt

Do you have a Ferrari in your garage, and you’ve never driven it? Someone recently reached out and they had a 12-year-old life insurance policy sitting doing nothing. This means they had cash value in the policy that’s accumulated over the last 12 years, and they’ve never put that money and deployed it in their financial system before. So we were able to create a plan for them to get out of debt.

Decoding Debt: Good vs. Bad – Surprising Insights!
Decoding Debt: Good vs. Bad – Surprising Insights!

You see when I started in financial services, we were told that all debt was bad. But it wasn’t until I put things into practice that I realized, there’s actually good debt and bad debt.

Am I Too Young for Life Insurance?
Am I Too Young for Life Insurance?

I got my first life insurance policy as soon as I graduated from college. Now, this may seem counterintuitive to some people because I had just graduated college, and I didn’t have a family. What need did I really have for life insurance at that time? Well, I use that policy as a savings account, a savings vehicle, so I can accumulate wealth and keep control of it without the risk of losing any money.

The Triple Threat of Inflation Strangling Our Finances
The Triple Threat of Inflation Strangling Our Finances

We all know that inflation is running wild these days, but do you realize that there are actually three types of inflation we’re trying to combat at once?

Unraveling the Stealth Tax and How Inflation Impacts Your Wallet
Unraveling the Stealth Tax and How Inflation Impacts Your Wallet

Have you noticed it costs a lot more simply to exist these days? They call inflation the stealth tax because it’s not written in the tax code, but it affects each and every single one of us. So what impacts inflation?

Revealing the True Cost of Your Money
Revealing the True Cost of Your Money

Something I’m sure you heard us say before, is you finance every single purchase you make, you either pay cash and give up interest that you could have earned on that money, or you finance and pay up interest to another entity outside of your control.

Why How You Use Your Money Matters More Than Where It’s Parked
Why How You Use Your Money Matters More Than Where It’s Parked

Most financial advisors out there are focused on accumulating assets under management, meaning you have a lump sum of assets managed somewhere else. How could that advisor obtain those assets to manage them and hopefully earn you a better rate of return?

Taking Control of Your Cash Flow with a New Financial Strategy
Taking Control of Your Cash Flow with a New Financial Strategy

Have you been looking at your finances lately and realized it’s time for you to kick it into gear? Here’s a secret. The strategies that got you to where you are today are not going to be the same strategies that are going to move you forward toward financial freedom.

Guaranteed vs Non-Guaranteed Values of a Whole Life Insurance Policy
Guaranteed vs Non-Guaranteed Values of a Whole Life Insurance Policy

When you’re dealing with a whole life insurance policy, whether it be a normal, whole life insurance policy or whole life policy designed for cash value accumulation, there are a few values that you may want to look at. The guaranteed values and the non-guaranteed values. And you may be wondering what’s the difference between the two.

The Value of Life Insurance: How Much Can I Insure
The Value of Life Insurance: How Much Can I Insure

Have you ever wondered how much life insurance, is too much life insurance? Well, here’s a secret. A life insurance company won’t insure you for more than you’re worth.

Transitioning From Earned to Passive Income
Transitioning From Earned to Passive Income

As you go through life, everything changes. The only thing certain in life is, in fact, change. So when you first get a job or you first start in business, your goal is to create 100% of your earned income to support your lifestyle. And as time goes by and you evolve towards retirement, your reliance on earned income will go down and you will transition to 100% of your lifestyle being funded by passive income. And as we’re evolving from 100% earned income to 100% passive income, there are various stages.

Effects of Inflation on Whole Life Policies and Premiums
Effects of Inflation on Whole Life Policies and Premiums

With inflation being a hot topic these days, a natural question may be, are my life insurance policy and my life insurance premiums inflation-proof? And how exactly are they impacted by inflation?

Maximizing Retirement Benefits Using Life Insurance
Maximizing Retirement Benefits Using Life Insurance

I recently had a conversation with a longtime client who had some life insurance set up prior to his retirement. He’s now ready to retire and he called me to discuss his options for his pension. He has a defined benefit pension plan through his employer. And he wanted to know which was the best choice for him as far as leaving survivor benefits for his spouse.

The Benefits of Owning Multiple Life Insurance Policies
The Benefits of Owning Multiple Life Insurance Policies

We’re often asked how to implement multiple policies using these specially designed life insurance policies designed for cash accumulation. When we talk about being in control of your cash, or being in control of your money, or being in control of your life. One of the main tools we use is the infinite banking concept. 

Compound Interest vs Simple Interest: The Key Differences
Compound Interest vs Simple Interest: The Key Differences

Sometimes money concepts could feel complex, especially compound interest versus simple interest, and how they impact your life insurance policies. Interest is a very complex topic, the further you dig into it, the more complex it gets.

Taking Advantage of Opportunities through Your Whole Life Insurance Policy
Taking Advantage of Opportunities through Your Whole Life Insurance Policy

You hear us talk all the time about using life insurance cash values to finance the things of life. Recently, we had a client who used her life insurance policy values in order to finance a home purchase.

Should I Own a Whole Life Policy Individually or Through My Business?
Should I Own a Whole Life Policy Individually or Through My Business?

When setting up a life insurance policy designed for cash accumulation, a question that often comes up is, “Should I have my person own the policy or should I have my business on the policy?”

Stabilizing Your Portfolio Using Whole Life Insurance
Stabilizing Your Portfolio Using Whole Life Insurance

If you have an investment portfolio, chances are you’ve heard of a 60/40 split. 60% equities with 40% bonds and you’ll be safe. However, do you realize that the 60/40 split recently had the worst year ever because of the inverse relationship between interest rates and bond prices?

Cracking the Code to Properly Save for College
Cracking the Code to Properly Save for College

Have you ever wondered how people afford sending their children to college? Sometimes the first child is manageable, the second is tight. And by the third or fourth child, it’s downright impossible.

The Inverse Relationship Risk between Bonds and Interest Rates
The Inverse Relationship Risk between Bonds and Interest Rates

Everyone knows that interest rates are finally on the rise. But what you may not realize is what’s going on under the covers. What’s happening to the bond market as these interest rates rise? Do you realize that there’s an inverse relationship between interest rates and bond prices? Let’s take a deep dive on what this means for you.

Is Your Cash Flow Prepared for Student Loan Repayment
Is Your Cash Flow Prepared for Student Loan Repayment

The most recent word on the street is that student loan repayments are going to begin again in October of 2023. What does that mean if you’ve been spending that money instead of saving it or paying toward your student loans all along?

3 Steps to Avoid the Great Resignation within Your Family Business
3 Steps to Avoid the Great Resignation within Your Family Business

As a small business owner, you could feel limited in the ways you’re able to attract, retain and reward your key people. Let’s dive into how to use a whole life insurance policy to accomplish just that for your key people, so you’re able to keep them in the game. 

4 Key Questions to Ask Before Signing Up for a Whole Life Insurance Policy
4 Key Questions to Ask Before Signing Up for a Whole Life Insurance Policy

So you’re thinking about getting started with a specially designed whole life insurance policy designed for cash accumulation. Maybe you want to expand your business or protect your family, or you want to get started with the infinite banking concept. Today, let’s dive into the four questions you need to ask before you sign the final policy papers.

Saving Money in the Proper Bucket
Saving Money in the Proper Bucket

When accumulating assets for your future. There are three buckets where you could store your money, so hopefully it grows. Most people don’t realize they can choose whichever bucket they want their money in. What bucket are you saving in and does that match up to the bucket you want to be saving in?

5 Questions to Ask Before Choosing your Insurance Company
5 Questions to Ask Before Choosing your Insurance Company

Not all life insurance companies are created equally. Some are better than others, and some are better for specific uses, like implementing the infinite banking concept than others. Let’s go over exactly what you need to be looking for in a life insurance company as you get ready to implement the infinite banking concept.

5 Reasons to Own a Whole Life Insurance Policy
5 Reasons to Own a Whole Life Insurance Policy

Sometimes you’ll hear that whole life insurance is a bad investment. And let’s just get that off the table now, because life insurance is not an investment. Let’s go over five reasons why you would want to own a whole life insurance policy.

Can I use my Policy for Monthly Expenses?
Can I use my Policy for Monthly Expenses?

In Nelson Nash’s book, Becoming Your Own Banker, he mentions that your goal should be to have your premium deposits equal to your expenses. Does that mean you should be paying your expenses through your policy loans? Not necessarily. 

5 Core Elements to Financial Security
5 Core Elements to Financial Security

Have you ever consider what impact external elements are going to have on your ability to thrive and retire one day? Let’s talk about the five core elements that have a huge impact on our financial security.

Differences Between Whole Life Insurance and Policies Built for Cash Accumulation
Differences Between Whole Life Insurance and Policies Built for Cash Accumulation

Have you ever wondered what the difference is between a regular whole life insurance policy versus a whole life insurance policy designed for cash accumulation? Well, there are a few differences in the way the policy performs and their design.

Strategy to Accomplish a Debt Free Lifestyle
Strategy to Accomplish a Debt Free Lifestyle

In today’s economic environment, with high interest rates and high inflation, anyone could end up with a credit card balance. But the question is, how do you get out of that debt as quickly and as efficiently as possible? And how do you do it in a way where you actually come out better off than you were before?

Tax Benefits of Cash Value Life Insurance
Tax Benefits of Cash Value Life Insurance

We often talk about the living benefits associated with cash value life insurance. Wouldn’t the best way to make sure your money goes as far as possible and as as efficient as possible be by protecting it from taxes?

Optimizing Your Cash Windfall to Efficiently Boost Your Life Insurance Policy
Optimizing Your Cash Windfall to Efficiently Boost Your Life Insurance Policy

When a life insurance contract is issued, a lot of times there isn’t a lot of built in flexibility within the contract. So when people come into windfalls, whether it’s an inheritance, a bonus at work, or a raise, and they have extra money and want to put it into the policy, you may be wondering where does it go? How do we get this money securely in our life insurance contract?

4 Steps to Cash Control
4 Steps to Cash Control

As a business owner, you know that cash flow is the lifeblood to any business. If you don’t have cash flowing through your business, it could feel suffocating.

Combating High Inflation and High Interest
Combating High Inflation and High Interest

Small businesses are currently facing the twin challenges of high interest rates and high inflation. They’re paying more for loans and raw materials while trying to maintain a good quality of life for their employees, all while trying to grow their business.

The Risks of Certificates of Deposit
The Risks of Certificates of Deposit

You may have been noticing that banks have been offering relatively high interest rates on short term CDs, and that’s because of the inverted yield curve. But what risks are involved and what risks should you consider when looking into purchasing a CD.

Finding Opportunity in a Recession
Finding Opportunity in a Recession

Finances are cited as a worry for 87% of us. Inflation is up. Savings are down. And the talk of recession has reared its ugly head again.

Navigating Polarized Financial Opinions and Achieving Your Goals
Navigating Polarized Financial Opinions and Achieving Your Goals

If you haven’t noticed, the world we live in is becoming more and more polarized. There are so many conflicting opinions out there.

Apple’s New Launch of a High-Yield Savings Account and What it could mean for You!
Apple’s New Launch of a High-Yield Savings Account and What it could mean for You!

In this discussion, Tim and Olivia talk about Apple’s Newly Announced High-Yield Savings Accounts and What they could mean for You.

Incentivizing Key Employees
Incentivizing Key Employees

When you’re a small business owner, your people are key. But how do you keep your key people happy and keep them from going after a better offer from your competitor?

Navigating the Great Resignation
Navigating the Great Resignation

Americans are quitting their jobs in record numbers. It’s called the Great Resignation.

Planning for the Expense of a College Education
Planning for the Expense of a College Education

When it comes to funding college tuition for your children, sending one child to college is expensive, sending two is almost manageable, and sending three could be downright impossible.

Planning for the Unexpected
Planning for the Unexpected

When it comes to planning for the future, there are a lot of factors to consider. How do you know what’s going to happen from day to day? One day you could have it all and the next day you could be scrambling for cash flow.

What is an Irrevocable Life Insurance Trust or ILIT?
What is an Irrevocable Life Insurance Trust or ILIT?

When it comes to estate planning, a common tool to use is an irrevocable life insurance trust, commonly known as an ILIT.

Conventional Savings Account vs Life Insurance
Conventional Savings Account vs Life Insurance

Since that whole fiasco with the Silicon Valley Bank, a lot of our clients have been calling us and saying, “Hey, is my money safe with a life insurance company?”

Leveraging the Cash Value of Your Life Insurance Policy
Leveraging the Cash Value of Your Life Insurance Policy

So you’re a business owner, and you have a whole life insurance policy, and you want to leverage the life insurance cash value to make an investment in your business.

Experience the Benefits of Compound Interest
Experience the Benefits of Compound Interest

Do you realize we finance every single purchase we make? We either go to a bank or finance company and pay up interest, or we pay cash and we give up interest.

Building an Efficient Warehouse of Wealth
Building an Efficient Warehouse of Wealth

Cash flow is the lifeblood of any business, and having access to cash is kind of like the lungs.

2 Steps to Avoid the Debt Cycle
2 Steps to Avoid the Debt Cycle

Are you stuck on the debt cycle merry-go-round? Break free! Build up your own pool of cash and take control of your finances. No more paying for the privilege of using someone else’s money. With the infinite banking process, you can use specially designed whole life insurance policies to accumulate and keep your wealth. Your money earns continuous, uninterrupted interest, and you control the payback process. Get out of debt faster and maintain control of your money.

How to Reach Your Financial Position A
How to Reach Your Financial Position A

When you’re starting off in business, your goals are certainly different than when you plan on exiting your business.

How Important is a Clearly Defined Succession Plan?
How Important is a Clearly Defined Succession Plan?

Being in business with your family could get tricky. For example, a recent study showed that two thirds of small business owners plan on passing their business down from one generation to the next.

The Magic of Compounding Interest
The Magic of Compounding Interest

Unless you’ve been living under a rock, it’s clear that inflation is running rampant.

Are You Utilizing Your Cash Flow Properly?
Are You Utilizing Your Cash Flow Properly?

Small businesses are the backbone of America’s economy, with 50% of all employees working in such businesses. However, small businesses face challenges, particularly with cashflow. A recent study showed that 69% of business owners lose sleep or have trouble sleeping due to financial cash flow issues. Stress caused by lack of sleep has been linked to various health issues and can put a strain on relationships. Small businesses are also struggling with high inflation and interest rates, which further squeeze their cashflow. To make cash flow more efficient and reduce stress in their business and personal lives, small business owners need to find ways to utilize their available cash flow properly.

Saving and Eliminating Debt by Leveraging Your Current Cash Flow
Saving and Eliminating Debt by Leveraging Your Current Cash Flow

Total household debt is up to $16.9 trillion for Q4 of 2022, and of that, nearly $1 trillion is credit card debt.

The Hidden Cost of Paying Cash
The Hidden Cost of Paying Cash

When it comes to accessing other people’s money, it’s clear that capital has a cost.

Are You Saving Enough to Reach Your Retirement Goal?
Are You Saving Enough to Reach Your Retirement Goal?

It’s pretty safe to say we all have one goal in common, and that is to eventually retire.

The Importance of Building a Proper Succession Plan
The Importance of Building a Proper Succession Plan

When it comes to business succession planning, a lot of business owners tend to put it off.

Becoming financially independent isn’t as hard as you think it is.
It starts by taking control of your money.

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