Unlock the power of the Infinite Banking Concept™
Discover how uniting your family under the Infinite Banking Concept can amplify financial security and growth for all.
There’s a better way.
Build a Family Money Pool
Become the Banker as it relates to your needs
And keep the money in your Family where it belongs
70% of families lose their wealth within three generations.
They allowed all the money to flow through their hands and onto the books of someone else’s bank … I say that again … someone else’s bank. This means all the Family’s financial energy is continually being transferred away.
This family has lost out on the opportunity to build long-term financial stability and legacy, not only for the current generation, but for every generation that comes after. That’s a problem.
If you knew there was a solution to that problem, a better way to secure your family’s future for generations, wouldn’t you want to learn more?
Here’s your chance to build lasting wealth.
With Ascendant Financial as your guide, you’ll learn to empower your family’s financial future by:
And ultimately we’re going to show you how to become the hero of your family’s financial story!
Your 7 Step Journey with Ascendant Financial: Step-by-Step
Step 1: Understanding the Problem So the Solution Actually Matters to You
Before diving into solutions, it’s crucial to understand the problem. Start by reading R. Nelson Nash’s book, “Becoming Your Own Banker”, and watching our “Introduction to the Infinite Banking Concept” program. As you explore these resources, develop your insights and clarify any questions you have. This preparation ensures that when we move to the next step, you’ll get the most value out of our conversation.
Step 2: Personalized Consultation with an Authorized Family Banking Practitioner
Your journey continues with a one-on-one conversation with an Authorized Family Banking Practitioner on our team. During this meeting, we’ll take the time to understand your unique financial situation, objectives, and values. Together, we’ll determine whether there’s a basis for us to work together.
Step 3: Personalized Recommendation
After our initial conversation, our team will prepare a recommendation that is tailored to the best starting point for your Family Banking journey.
Step 4: Review and Clarity Session
Next, we’ll meet again to review our recommendation and share key insights. This session is all about you—ensuring that all your questions are answered and that you have complete clarity before moving forward. Our priority is to make sure you feel fully informed and confident.
Step 5: Application for Your Policy or System of Policies
Once you’re ready, we’ll assist you in applying for your policy or system of policies. This application process is simply the next step in your journey and doesn’t commit or bind you to anything at this stage.
Step 6: Onboarding and Implementation
Once your policy (or system of policies) is in place, we’ll guide you through an exciting onboarding process that sets the stage for implementing the Family Banking Concept. This is where the real journey begins, and we’re here to make sure you start off on the right foot.
Step 7: Ongoing Coaching and Community Support
We don’t just leave you to figure it out on your own. As your Coach—we are responsible to you, not for you. You’ll receive ongoing coaching, mentoring and Client exclusive resources to ensure you’re fully supported. Plus, you’ll have access to a community of like-minded clients who share your vision and values.
Infinite Banking is a Lifestyle, Not a Financial Plan
This process is not about investments of any kind, it’s all about controlling how you finance the things in life, which can certainly include investments.
Becoming Your Own Banker requires understanding, commitment, and the right guidance. That’s why having a knowledgeable, experienced coach by your side is essential. At Ascendant Financial, we’re here to ensure you not only have the best tool to get the job done, but also the expertise and support to use it effectively, so you can truly realize all of the benefits of this process with confidence.
Eager to learn more about the Infinite Banking System?
Join our free webinar to discover how Infinite Banking can transform your family’s future for generations.
Quick Reminder: We Have Plenty of Resources Tailored to Your Learning Style.
After finishing, if you want more, explore additional resources tailored for your preferred method of learning!
Frequently Asked Questions
The Infinite Banking Concept™ is R. Nelson Nash’s framework for controlling the banking function in your own life. At its core, you redirect the capital you would otherwise store in commercial banks into participating dividend-paying whole life insurance policies, then use those policies to finance the major purchases and opportunities of your life. Over time, you build a tax-advantaged capital base, reduce dependence on third-party lenders, and create a system that can perpetuate across generations.
The IBC webinar provides a foundational education on the Infinite Banking Concept™ including why Nelson Nash created it, how participating whole life insurance works as a financial system, how policy loans operate (and why they are not what most people assume), and what the process looks like in practice over time. It is designed to give you a clear, accurate understanding before you speak with an advisor.
Yes, the webinar is free and you don’t need to register. Simply view the latest training here.
Anyone can study Nelson Nash’s principles by reading Becoming Your Own Banker and other recommended books. However, proper implementation requires a policy designed for IBC, which involves specific choices about base premium, paid-up additions, carrier selection, and personal health and financial variables. An improperly designed policy can undermine the entire system. Working with a trained advisor ensures the vehicle matches the strategy.
The Infinite Banking Concept works in three connected steps:
- Capitalize. Fund participating whole life insurance policies through consistent premium payments so cash value accumulates over time.
- Borrow. Take structured policy loans from the insurance company to finance major purchases, with your cash value serving as collateral.
- Repay. Repay those loans on a disciplined schedule, often with extra interest committed back into your own system.
Over years and decades, the result is a growing capital base, recaptured financing costs, and increasing financial control.
The main risks of the Infinite Banking Concept™ are:
- Improper policy design. A poorly structured policy will underperform.
- Undisciplined loan repayment. Unchecked loan interest can capitalize and threaten the policy.
- Long time horizon. Meaningful cash value typically takes 3 to 5 years to develop.
- Insurability requirement. You need to qualify for whole life insurance to participate.
- Ongoing management. This is not a ‘set it and forget it’ strategy.
Done properly, with proper guidance, these risks are entirely manageable. For a fuller treatment of common misconceptions, see The Real Problem with the Infinite Banking Concept.
The IBC process compounds over time. Cash value grows gradually in the early years and accelerates as the policy matures, with the most powerful results showing up over 10, 20, and 30-year horizons. The behavioural principles (capitalization, disciplined loan repayment, recapture of financing costs) also strengthen over time as habits become routine. There are no shortcuts. Anyone who tells you otherwise is misrepresenting the concept. To hear the principles directly from the source, learn from Nelson Nash himself.