No longer reserved for the ultra-wealthy, this strategy can be used to supercharge your retirement!

In 2013, I sold my local business and decided to pursue my insurance license. The next few years were tough. Starting an insurance agency from scratch—especially when you don’t fully know what you’re doing—isn’t easy. I quit more times than I’d like to admit. Eventually, I sold the agency to a friend and worked for him for a while before deciding to become an independent agent. As an independent agent, I quickly realized that selling home and auto insurance wasn’t what I wanted to do for the rest of my life. I wanted to do work that actually mattered—something that helped people gain control instead of just buying another product. That changed when a close friend told me about a policy he set up for his son using the Infinite Banking Concept. At first, I was skeptical. But once I truly understood how it worked, everything clicked. This wasn’t an investment. It wasn’t tied to the stock market. It was a cash-flow system—a place to safely warehouse cash, access it anytime, and keep it working. For the first time, I saw a way for people to control their money instead of handing control to banks, Wall Street, or complex plans they don’t understand. Your money stays safe, liquid, and available. It grows steadily, keeps compounding while you use it, and isn’t exposed to market losses. What really stuck with me was seeing so many people—especially business owners—working far longer than they wanted to, not because they loved it, but because they had no other option. They made good money, yet somehow never felt ahead. Their cash was scattered, locked up, or constantly at risk. Infinite Banking showed me a different approach: a system where your money works for you like banks make money work for them. You can earn, grow, and leverage the same dollars at the same time—using them for equipment, vehicles, real estate, or opportunities—without losing momentum. No lost opportunity cost. No asking permission. Unrestricted liquidity. Today, what I enjoy most about my work is that I can genuinely help people—especially small business owners—build an operating system for their money. Many of them have traditional plans, but those plans are often confusing, volatile, and full of fees and rules. You don’t really know what you have, when you can use it, or what it’ll be worth when you need it. The strategies I focus on now—built around Infinite Banking—are simple, predictable, and judgment-free. Your money comes off the grid. It’s private. It’s tax-advantaged. It’s not counted as income for things like college planning or other financial formulas. And because it’s designed correctly, your money keeps compounding even while you’re using it. One of the things I love explaining is the worst-case scenario: after about 7–8 years, you can get back every dollar you’ve put in—and you still had life insurance with living benefits the entire time. Best case? You’ve created a lifelong safety net, funded future opportunities, helped your kids, and stopped letting the bank be the only one making money on your money. My favorite part of this work is knowing that when life gets hard—and it will—families and business owners don’t have to destroy their financial health just to get through it. They have a system. A safety net. A place where their money is always working for them. Helping people build something stable, flexible, and lasting—while keeping control—is what makes this work meaningful to me.

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