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Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In this week's episode, we compare policy loans from a whole life insurance policy vs. margin loans. When discussing policy loans used with the Infinite Banking Concept™, sometimes people will be dismissive of the strength of policy loans because they have the ability to borrow on margin aginst the value of their stocks. But policy loans vs margin loans are an apples-to-oranges comparison. We compare the following: Reliance on third-party creditLoan-to-value (LTV) ratiosThe typical underlying assumptions used when choosing margin loans --- EPISODE HIGHLIGHTS: [01:00] Third-Party Risk Discussion [08:00] Risks of Margin Loans [09:00] Loan to Value Ratios Explained [12:00] Control and Safety with Policy Loans [16:00] Assumptions in Credit Analysis [21:00] Foundation of Financial Strategies ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In this episode, we talk with Walter Young, co-author of The Fifth Option, about a transformative approach to retirement income planning. Walter challenges typical retirement planning and the "4% Rule" and offers solutions to live a plentiful retirement based on predictable income. When you only have one shot at this, cash flow beats "balance sheet" (aka "B.S.") retirement planning every time. The best part is that if you're practicing IBC, you're already on the right path. Visit Walter at www.TheFifthOption.com --- EPISODE HIGHLIGHTS: [02:44] The "B.S." retirement plan and the shift from "balance sheets" to cash flow [09:48] The desert island dilemma - How long does your water need to last? [06:45] The Fifth Option - alleviate retirement constraints [16:14] Pensions and private pensions [21:14] The role of life insurance [30:54] Beat the Bear strategy: navigating market volatility in retirement ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. Today's episode is for those spouses looking for ways to get their significant other on board with The Infinite Banking Concept. Let's work together to get some financial harmony in our lives! As Montoya puts it, IBC is a "common sense test," not an "IQ test." Whole life insurance is just another asset class that happens to be really good at building financial foundations. So all you and your significant other need are open minds to understand how IBC will put safety, liquidity, and control at your fingertips. --- EPISODE HIGHLIGHTS: [03:00] Key requisites for spousal agreement on IBC [06:00] The paramount importance of protection in financial planning [08:00] Reclassifying what most of us consider "traditional" [12:00] Real estate and stock market investments vs. IBC safety [15:00] The principle of financing everything you buy [18:00] The illusion of FDIC insurance and the reality of bank solvency ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In today's episode, we get into a trend we've observed in the realm of whole life insurance. That is combining whole life with a specific strategy or investment during the buying process. We explore how the allure of clubs, strategies, and investment groups can sometimes sidetrack individuals from the fundamental principles of IBC, pushing them towards investment-centric strategies that might not align with their initial goals. Our discussion highlights the critical importance of focusing on the core message of becoming your own banker. Understanding the tradeoffs and risks of prioritizing early cash value, over-leveraging through loans, and over-committing on premium amounts is an absolute must. Join us as we reinforce the essence of IBC and the significance of building a solid financial foundation for the long term. --- EPISODE HIGHLIGHTS: [05:00] Discussion on the core message of becoming your own banker. [12:00] Examination of early cash value and loan maximization. [16:00] The potential risks of overextending premium amounts. [21:00] Maintaining the insurable need and protecting family interests is important. ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In episode 92, we will talk about "the banking function," a true revelation by Nelson Nash, and before the release of "Becoming Your Own Banker," unfathomable to the average working man. Glossing over this core IBC principle can result in missed opportunities to capture the spread as "the bank" between your cost of money and the market interest rate. So tune in to learn more! --- EPISODE HIGHLIGHTS: [00:02:00]: Discussion on the problem of traditional banking systems [00:03:00]: Exploring the need for personal financing solutions [00:05:00]: How conventional financial advice leads to control issues [00:06:00]: Addressing the constantly moving goalpost of typical retirement planning [00:07:00]: "You finance everything you buy" [00:09:00]: The limitations of cash spending in building wealth [00:11:00]: Necessity of being strategic with capital [00:13:00]: How much cash value is needed for personal banking [00:15:00]: Identifying the financial problem as a foundational step [00:17:00]: The importance of starting the infinite banking process [00:19:00]: Shifting focus from investments to becoming your own banker ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In Episode 91, we debunk some of the most common misconceptions perpetuated in the world of financial planning. Join us as we get into some myths about: 401k and IRA deductionsThe sole purpose of life insuranceMisunderstood commission structuresThe 4% withdrawal ruleAnd the traditional 60/40 stock-bond allocation. EPISODE HIGHLIGHTS: [00:01:00] - Introduction and discussion on the first myth regarding 401k and IRA contributions and the misconception about tax deductions. [00:03:00] - Insights on who benefits from investments in qualified plans and the concept of the "lobster trap" in financial planning. [00:05:00] - Examination of the use of whole life insurance policies for liquidity and control, as opposed to the limitations of 401k plans. [00:07:00] - Analysis of the perspective on term insurance, its limitations, and the advantages of whole life insurance. [00:09:00] - Discussion on life insurance policy commissions and their comparison with assets under management fees. [00:11:00] - Exploration of the 4% withdrawal rule as a retirement strategy and its practical challenges. [00:13:00] - Explanation of how whole life insurance can enhance the 4% rule for more secure retirement income. [00:15:00] - Debunking the myth of the 60/40 stock-bond allocation, including challenges faced in the bond market. [00:17:00] - Argument for using whole life insurance as a risk transfer tool, superior to traditional bond investments. [00:19:00] - Critique of conventional wisdom around life insurance commissions. [00:21:00] - Discussion of the real purpose of term insurance and the historical perspective of life insurance sales strategies. [00:23:00] - Final thoughts on understanding financial planning myths and the value of whole life insurance in a diversified financial strategy. ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY Video mentioned in the episode: WILL A RECESSION WIPE OUT ETF LIQUIDITY? ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: a href="https://www.stackedlife.com/ibc-mastery" rel="noopener noreferrer"...

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In Episode 90, we talk about why whole life insurance is the ultimate cash asset. This episode sheds light on the best places for your money, explores the Economic Value Added nature of whole life insurance, and challenges common misconceptions about its role in financial planning. Tune in to transform your understanding of whole life insurance from a mere death benefit to the ultimate cash asset that makes everything you're already doing work even better. EPISODE HIGHLIGHTS: 00:55 Origins of the concept of "Cash" 02:50 Understanding Insurance as a cash asset 03:52 A Growth mindset should take cash into account 04:16 Hidden Benefits of Whole Life Insurance 05:55 The Importance of an Emergency Fund 06:29 Cash and Market Volatility 08:16 The Best Places to Keep Cash 08:48 The Power of Whole Life Insurance for Emergencies 16:04 Infinite Banking 101: You Finance Everything You Buy 18:02 Cash as a Symbol of Freedom ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In episode 89, we explore the secret behind why using whole life insurance for IBC really works. Using the Law of Large Numbers and the principles of actuarial science, mutual insurance companies, with their thousands of policy-owning stakeholders, hold the key to the benefits of whole life and IBC. As a policy owner, you're a part-owner of the mutual company. Being an owner of a company is not just about you and what your policy can do for you. It's about you and all the other policy owners working together in a corporate body. It's precisely this that gives whole life insurance its superpowers. EPISODE HIGHLIGHTS: 01:02 The Role of Mutual Insurance Companies in IBC 02:16 The Unique Benefits of Whole Life Insurance 03:00 The Pitfalls of Self-Centered Approach in IBC 03:44 The Power of Mutual Benefit in IBC 05:16 The Importance of Respecting the Mutual Company and Your Policy 06:58 IBC is a Process, Not a Hack to Bleed Dry 07:38 The Regrets of Not Starting IBC Earlier ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In episode 88 of the Strategic Whole Life podcast, we talk about the (mostly bad) advice some people get to max out the loan provision immediately after buying a whole life insurance policy. This not only creates several risks, but the benefits of IBC go way beyond maxing out loans. IBC is not a gimmick or a trick. Policy loans are still loans. With IBC, we can protect ourselves from the often arbitrary decisions of bankers and politicians. But to do so, we must, in turn, protect this incredible asset, whole life insurance. 00:07 What we are doing with The Infinite Banking Concept (IBC) 01:20 Personal Experiences with Traditional Banking 03:10 The Importance of Long-Term Thinking in IBC 04:12 The Value of Liquidity and the Role of IBC 05:33 The Journey to Financial Sovereignty 08:24 Understanding the Risks of Max Loans 10:35 The Value of Whole Life Insurance 13:07 A Silver Lining ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. Don't Separate Base Premium and PUA When Buying Whole Life Insurance In episode 87, we talk about the risks of looking at base whole life premium and paid up additional life insurance (PUA) as separate considerations during the buying process. Treating base premium as the baseline commitment and PUA as a 'stretch target' can lead to unfulfilled expectations and potential policy underperformance or worse... We highlight the importance of setting a sustainable and comfortable premium level, advising against making PUA a stretch goal. This concern is especially relevant during the early years of a policy, and when the policy is designed for high PUA to base premium ratios. What should you consider instead? Tune in to find out! 00:07 Understanding Base Premium and Paid Up Additions 00:54 The Dangers of Overcommitting to Premiums 02:09 Components of a Whole Life Insurance Policy 03:30 The Risks of Making PUA a Stretch Target 04:22 The Impact of Not Paying PUA 07:19 Agents and Commissions 08:40 Designing a Sustainable Premium 09:35 Determining the Correct Premium 11:20 Conclusion and Next Steps ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In Episode 86, we discuss how practicing The Infinite Banking Concept™ can sometimes lead to a tendency to perceive whole life insurance as an "account," similar to a bank or brokerage account. This is not the case, and we'll talk about why! In this episode: We'll talk about the reality behind withdrawing cash value and the implications of policy lapse.Learn about the actuarial foundations that empower whole life insurance with its unique benefits.Discover how whole life insurance offers respectable growth, liquidity, leverage, and guarantees, distinguishing it from other "account"-based financial products. --- EPISODE HIGHLIGHTS 01:02 Understanding Whole Life Insurance as Not an "Account" 02:35 Examples of "Account" Misconceptions 07:05 The Superpowers of Whole Life Insurance Come From it NOT Being an "Account" ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In this episode, we delve into the concept of whole life insurance dividends. We clear the usual misconception people have about dividends, explaining that insurance dividends are different from stock dividends. Here, we clarify that a whole life insurance dividend is essentially a yield coming from the surplus profit of a mutual based company. However, its calculation is more complex as it doesn't automatically imply specific yield to a policy. We emphasize the significance of the guaranteed values in whole life policies and how dividends add to this value. This discussion also touches upon the philosophy of why one should start with whole life policies and how dividends, which are part of the bigger financial picture, become a bonus. The key takeaway is understanding that insurance dividends come from a well-run, highly-regulated company, and longer you've been with them, the higher your dividend. EPISODE HIGHLIGHTS 00:00 Introduction to Whole Life Insurance Dividends 00:07 Understanding the Nature of Dividends 00:41 How Dividends are Calculated and Distributed 01:06 The Role of Surplus Profit in Dividends 02:33 The Difference Between Whole Life Dividends and Stock Dividends 06:11 The Impact of Dividends on Policy Maturity 07:34 Misconceptions About Dividend Rates 11:23 The Importance of Guaranteed Values Over Dividends 13:42 Comparing Whole Life Dividends to Stock Dividends 16:16 The Long-Term Benefits of Whole Life Dividends 19:44 Conclusion: The Value of Whole Life Dividends ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY