Infinite banking is a financial strategy that allows you to become your own banker by leveraging the cash value of a whole life insurance policy. By borrowing against your policy, you can finance major purchases, investments, or other needs while your policy continues to grow. This method offers benefits such as tax-free loans, uninterrupted compound growth of your policy, and increased financial control. It’s an excellent way to build wealth and manage your finances more effectively.

When planning for retirement, consider your desired retirement age, lifestyle expectations, current savings, and future income sources such as Social Security or pensions. It's crucial to factor in inflation, healthcare costs, and potential market fluctuations. We provide comprehensive retirement planning services that include assessing your current financial status, setting realistic goals, and developing a customized strategy to ensure you achieve a comfortable and secure retirement.

Wealth transfer strategies help you pass on your assets to heirs in a tax-efficient manner, preserving more of your estate's value. These strategies can include setting up trusts, gifting during your lifetime, and utilizing life insurance policies. Proper planning ensures your wealth is distributed according to your wishes while minimizing estate taxes and legal complications. Our experts work with you to create a tailored plan that meets your goals and protects your legacy.

Borrowing against the cash value of your life insurance policy for infinite banking generally does not trigger a taxable event, as the loan is secured by your policy's value. Additionally, the interest paid on the loan goes back into your policy, increasing its value. However, it's important to manage the loans carefully to avoid lapsing your policy. Our advisors will guide you through the process, ensuring you understand the implications and benefits of each transaction to maximize your financial strategy.