Posts by Rachel Marshall
Infinite Banking Concept (IBC): The Golden Key that Unlocks Your Financial Life
The Infinite Banking Concept is a financial strategy, first codified by R. Nelson Nash, that uses high-cash-value, dividend-paying whole-life insurance so policyholders become their own bankers. They store savings, earn guaranteed growth and tax-deferred dividends, and then can borrow against the policy’s cash value. This creates a powerful system where YOU control your capital, not…
Read MoreHow to Start a Family Bank: Insights from John Moriarty
Interested in finding out how to start a family bank? Today, Bruce and I talk with our friend and colleague, John Moriarty, Founder and President of e3 ConsultantsGROUP. You’ll hear about his personal and business use of Infinite Banking, and the thinking behind a growing and evolving system of policies. John is smart, business savvy,…
Read MoreTour Our Marshall Family Private Family Banking System, Pt. 2
Do you want to build a family banking system that will provide capital to you and future generations? Come see behind the scenes as we talk about our Marshall Family Bank in real-time. Today, we discuss why we added another whole life insurance policy, how our cash value is growing, and our vision for using…
Read MoreEstate Planning with Life Insurance: How to Protect Your Wealth and Prepare Your Family
When we first started talking about estate planning with life insurance, it was because we saw a massive disconnect in how families were thinking about their wealth. Not just the numbers. But the purpose behind it. Bruce and I were in the middle of one of our deeper conversations—talking through how most people think life…
Read MoreThe 3 Components of Infinite Banking Policy Design: Base, PUAs, and Term
Bruce Wehner discusses the primary components of infinite banking policy design: base premium, paid-up additions riders, and term riders. Following the principles laid out by Nelson Nash in Becoming Your Own Banker, we review the concepts for designing a whole life insurance policy for the Infinite Banking Concept. When Bruce’s father took out a whole…
Read MoreLeveraging Policy Loans in Infinite Banking: A Strategic Guide
Have you heard about Nelson Nash’s Infinite Banking strategy, and how to become Your Own Banker, and want to learn more? Or maybe you’re already using Infinite Banking, but would like to explain it better. Today, we’re unpacking the truth about the Infinite Banking Concept and the strategy of using life insurance policy loans. If…
Read MoreThe Pros and Cons of an ILIT: Is It the Right Move for Your Legacy?
What do the St. Louis Rams and Prince have in common? Their stories illustrate the pros and cons of ILIT insurance – or, more accurately, what happens when estate planning tools like an ILIT aren’t used at all. They both became cautionary tales of what happens when estate planning falls short. When Georgia Frontiere passed…
Read MoreIs Cash Value Life Insurance Enough for Retirement?
Today, Bruce and I want to unpack a question we frequently encounter: Is cash value life insurance enough for retirement? It’s a compelling question, but one without a simple yes or no answer. The effectiveness of cash value life insurance as your primary retirement vehicle heavily depends on your personal discipline, your overall financial strategy,…
Read MoreHow Tariffs Impact Your Wallet (And Why It Matters More Than You Think)
If you’ve ever tried leading a Zoom call while your screen goes black mid-sentence, you know the feeling of being out of control. That’s how many of us feel about our finances right now—like we’re one loose cable away from a crash. But here’s the truth: financial control is closer than you think. And in…
Read MoreIs Infinite Banking Tax-Free? The Truth You Need to Know
If you’ve been researching Infinite Banking, you’ve probably heard it described as “tax-free.” That phrase is thrown around a lot, and while it sounds great, it’s not entirely accurate. The reality is a bit more nuanced, and understanding the details can make a massive difference in how you leverage Infinite Banking for long-term wealth building.…
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