Featured Articles
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Planning Your Financial independence
Read more »: Planning Your Financial independenceTo achieve financial independence, you have to plan your financial course with care. It is not an easy task since there are no one-size-fits-all formulas that you can follow because the variables keep changing. However, there are actionable steps you can take.
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Becoming Your Own Banker Training
Read more »: Becoming Your Own Banker TrainingBecoming Your Own Banker is a financial strategy focused on your benefits not the banks benefits. A way to grow your future financial success and the potential of a dividend-paying life insurance. It’s neither a sales nor a marketing tool for whole life insurance brokers.
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Creating A Private Family Banking Strategy
Read more »: Creating A Private Family Banking StrategyWhat is the main cause of concern among wealthy families around the world? Our research shows that families who are remarkably wealthy are keen and deeply concerned about their families’ welfare in the future. They don’t focus only on managing investments of the financial assets they…
Financial Education
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Personal Balance Sheet
Read more »: Personal Balance SheetA personal balance sheet is a powerful tool for understanding your net worth and overall financial health. Learn how to track your assets, liabilities, and discover why cash value from whole life insurance could be one of the most valuable—and overlooked—assets on your statement.
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Return On Investments in Canada
Read more »: Return On Investments in CanadaUnderstanding Return on Investment (ROI) goes far beyond simple math—it’s about measuring value in real, personal, and financial terms. Learn how ROI can guide your financial decisions in business and life, and why emotional or lifestyle returns sometimes matter just as much as the numbers.
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Beneficiary of inheritance: What to do, Pay debts
Read more »: Beneficiary of inheritance: What to do, Pay debtsCanada is in the middle of an unprecedented $1 trillion wealth transfer—and if you’re a beneficiary, what you do next matters more than ever. Inheriting money is more than a financial event; it’s a moment to pause, reflect, and plan with purpose. Learn how to preserve and grow your inheritance while honoring the legacy behind…
Wealth Building
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What should every Canadian Know about Your Will?
Read more »: What should every Canadian Know about Your Will?Do you want to control the allocation of your property even after your death? Well, a will is an excellent way of achieving this. Creating a will is not a walk in the park. There are several things that every Canadian should know about a will. First and foremost, it’s essential to understand that your…
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Planning Your Financial independence
Read more »: Planning Your Financial independenceTo achieve financial independence, you have to plan your financial course with care. It is not an easy task since there are no one-size-fits-all formulas that you can follow because the variables keep changing. However, there are actionable steps you can take.
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Insurable interest
Read more »: Insurable interestWhat is Insurable interest? The term “insurable interest” is used to describe the legal and financial interests of a person or company in an insurance policy. It means, in simple terms, that the person or entity buying the insurance has a stake in protecting the insured property or person. The stake is to ensure that…
Retirement Planning
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Individual Retirement Accounts In Canada
Read more »: Individual Retirement Accounts In CanadaWhat are Individual Retirement Accounts? Canada has many types of retirement accounts that are available. The most commonly discussed around the water cooler are the TFSA and RRSP. However, there are many more to note. You may even have one of these or end up with one in the future. There are LIRA accounts which…
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Five Things You Should Know About Registered Retirement Income Funds
Read more »: Five Things You Should Know About Registered Retirement Income FundsWhile RRSPs help you grow savings tax-deferred, RRIFs require you to start drawing income and paying taxes, often affecting government benefits and estate planning. Understanding how and when to convert your RRSP into a RRIF is key to avoiding costly surprises.
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The Biggest Fears Of Registered Retirement Savings Plans
Read more »: The Biggest Fears Of Registered Retirement Savings PlansIt’s important to know what the main fears of Canadians are about RRSPs to be prepared and well-informed when it comes time to make decisions about your retirement planning.
Insurance Education
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What Insurance premiums are tax deductible?
Read more »: What Insurance premiums are tax deductible?Understanding which insurance premiums are tax-deductible in Canada can be complex. While most are not, exceptions exist—particularly in corporate structures and lender-required policies. This article breaks down the nuances, including how business owners can strategically use life insurance in buy-sell agreements and when deductions truly apply.
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Beneficiary of inheritance: What to do, Pay debts
Read more »: Beneficiary of inheritance: What to do, Pay debtsCanada is in the middle of an unprecedented $1 trillion wealth transfer—and if you’re a beneficiary, what you do next matters more than ever. Inheriting money is more than a financial event; it’s a moment to pause, reflect, and plan with purpose. Learn how to preserve and grow your inheritance while honoring the legacy behind…
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How To Handle Beneficiaries During Divorce
Read more »: How To Handle Beneficiaries During DivorceDivorce is a major life transition—and amid the legal and emotional complexity, updating your life insurance beneficiaries often gets overlooked. Whether your ex is still listed as your primary beneficiary or your children need a trustee, now is the time to ensure your policies reflect your new reality. Learn how to protect your assets and…
All Articles
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Is Infinite Banking a Scam?
Read more »: Is Infinite Banking a Scam?It is one of the most searched questions about the Infinite Banking Concept in both Canada andthe United States. And if you have asked it, you are not wrong to ask. Here is what Jayson Lowe, who has been implementing the Infinite Banking Concept since2008, says directly: “No, it’s not a scam. But I understand…
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How to Structure Multiple Whole Life Insurance Policies Into a Single Family Banking System (FBS)™
Read more »: How to Structure Multiple Whole Life Insurance Policies Into a Single Family Banking System (FBS)™When you have multiple whole life insurance policies, you do not manage them individually. You manage them as one consolidated system. The policy that receives a repayment does not matter. The schedule does. The pool is the unit, not the contract. When our system grew to six or seven policies, my wife came to me…
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Should You Gift a Whole Life Insurance Policy to Your Child?
Read more »: Should You Gift a Whole Life Insurance Policy to Your Child?No. And I say that with deep respect for the intention behind the question. You built that juvenile whole life insurance policy for your child. You paid the premiums. You watched the cash value grow. The instinct to hand it over feels generous and right. But gifting a whole life insurance policy to your child…
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What Happens to a Whole Life Insurance Policy at Age 100?
Read more »: What Happens to a Whole Life Insurance Policy at Age 100?A whole life insurance policy does not expire at age 100. It fulfils its contractual guarantee — cash value must equal the total death benefit by the endowment age, which is age 100 in Canada and age 121 in the United States. At that point, the policy owner has options that vary by carrier. Taking…
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How Policy Loans Work Inside a Family Banking System (FBS)™
Read more »: How Policy Loans Work Inside a Family Banking System (FBS)™The single largest source of confusion in Infinite Banking is the belief that cash value is money. It is not. Cash value is the net present value of a future death benefit payment. It is equity in the contract that you can borrow against on demand, on your terms. Once you have that, the rest…
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The 10 Laws That Govern Generational Wealth Transfer
Read more »: The 10 Laws That Govern Generational Wealth TransferGenerational wealth transfer is governed by ten laws that operate whether you know them or not. Honour them and your wealth compounds across generations. Violate any one of them and the 70% statistic — 70% of wealthy families lose everything by the second generation — becomes personal. These are not tips. They are not strategies.…
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The Non-Negotiable Rules That Govern a Family Banking System (FBS)™
Read more »: The Non-Negotiable Rules That Govern a Family Banking System (FBS)™Run It Like a Business, Not a Daycare
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Why Generational Wealth Fails by the Second Generation and What Fixes It
Read more »: Why Generational Wealth Fails by the Second Generation and What Fixes It70% of wealthy families lose their wealth by the second generation. Every financial publication has a solution to that statistic. Build generational wealth. Use this tool. Implement this process. What almost nobody says is the part that actually matters: build generational wealth, and then transfer the mentality that built it. Because without the second step,…
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How to Build a Family Banking System (FBS)™ That Lasts Across Generations
Read more »: How to Build a Family Banking System (FBS)™ That Lasts Across GenerationsImagine your kid coming home from their first summer job and telling you what percentage of every paycheque is going toward the family system because in your family, that is simply how you access capital when you need it. Imagine your son sitting across from you with a repayment schedule already built before he has…
