The Money Advantage® Podcast | Infinite Banking Concept & Family Banking
The Money Advantage® Podcast, hosted by Rachel Marshall and Bruce Wehner, focuses on helping families build lasting wealth through the Infinite Banking Concept and family banking strategies. Each episode explores topics like dividend-paying whole life insurance, tax-smart financial planning, asset protection, estate planning, and intentional family leadership. The show aims to guide listeners beyond simple asset accumulation toward creating a financial system that supports stewardship, unity, and multigenerational impact.
Episodes
How Much Money Is Generational Wealth? Why There Is No Magic Number
How much money is generational wealth? Learn why no single number creates a lasting legacy and how systems, stewardship, and wisdom help wealth endure.
What Is the Cash Surrender Value of Life Insurance? And Why You Probably Shouldn’t Use It
Learn what the cash surrender value of life insurance means, how it differs from cash value, and when a loan or withdrawal may preserve more options.
What an IUL Illustration Doesn’t Tell You: Guaranteed vs. Projected Values
An IUL illustration can show a large future number, but the crediting rate is not your net return. Rachel and Bruce break down caps, spreads, the 0% floor, and the costs that keep running while you wait for growth.
How to Pass Down Family Wisdom Before Wealth Changes Hands
Wise inheritance planning does more than prepare the assets for the heirs — it prepares the heirs for the assets. Rachel and Bruce share five ways to pass down values, stories, and judgment before wealth changes hands.
When Can You Start Using a Whole Life Policy? The Truth About Policy Loans
A properly designed whole life policy can make a policy loan available surprisingly early. Rachel and Bruce explain how policy loans actually work, what you are really borrowing against, and why how soon you can borrow is the wrong question to design a policy around.
Whole Life Insurance vs. Annuities: Why Whole Life Can Be the Stronger Foundation While You’re Still Building Wealth
When people ask whether whole life insurance or an annuity is better, I think there is a more useful place to begin. Instead of starting with the product, start with the job you need your money to do. Are you looking for income you cannot outlive, access to capital to grow a business, more certainty around retirement income, protection for your family, or a way to build something that can continue
HELOC vs Infinite Banking: Why Borrowing From a Bank Is Never the Same as Being the Bank
Paying off your mortgage can feel like one of the clearest signs of financial freedom. I understand the appeal. For many families, that monthly payment represents pressure, obligation, and dependence on someone else.
That is exactly why Velocity Banking can sound so compelling. Use a home equity line of credit to attack the mortgage balance, run your income through the line, reduce the total in
Max Funded IUL: The Real Numbers Behind the Sales Pitch
You went looking for Infinite Banking, or maybe "be your own bank," and a max funded IUL came back as the answer: market-linked growth, tax-free access, no downside. On paper, it sounds like whole life, only better.
https://youtu.be/UMTiXDmYNok
A max funded IUL is an indexed universal life policy funded at or near the maximum premium the IRS allows before the contract becomes a modified en
Inheritance Planning 101: How to Protect Your Family’s Wealth
If you hear the phrase "inheritance planning" and immediately picture wills, trusts, attorneys, and a stack of complicated documents, you are not alone. The topic feels overwhelming before people even start, because it sounds like a legal ordeal rather than something they can actually approach with clarity.
Here is the reframe. At its core, this is really about wealth transfer planning: protect
How to Choose the Best Whole Life Insurance Company for Infinite Banking
Once you have learned the fundamentals of Infinite Banking and decided to put it into action, one question tends to surface almost immediately: What is the best whole life insurance company for Infinite Banking?
It is a good question. The carrier you choose forms a long-term relationship, one that stays in place for the rest of your life if you keep the policy in force.
https://youtu.be/QzN
5 Inheritance Planning Mistakes and How to Avoid Them
The most damaging inheritance planning mistakes are not always bad investments, poor tax planning, or even missing legal documents. More often, families lose wealth because the people receiving it were never prepared for the responsibility that came with it.
When most people hear “inheritance planning,” they picture an attorney’s office: the will, the trust, the power of attorney, and the list
What Is a Straight Life Policy? The Simple Answer to a Confusing Term
A straight life policy is simply the base of a whole life insurance contract: a level premium that never changes, a guaranteed death benefit, and guaranteed cash value. If you've been researching Infinite Banking, it's the same permanent insurance you've already been learning about, just under an older name.
People run into "straight life" or "ordinary life" partway through their research and w
Whole Life Insurance Dividend Rates Explained: What the Number Means – and What It Doesn’t
If you've researched whole life insurance for Infinite Banking, you've probably seen whole life insurance dividend rates advertised. 5.76%. 6.5%. And you've probably wondered: is higher better, and how do I compare policies using this number?
Here's the answer, stated plainly: a higher dividend rate does not mean a better policy. Chasing it, without understanding the bigger picture, leads peopl
The Rockefeller Strategy: How Millionaires Use Life Insurance to Build and Keep Wealth
The standard understanding of life insurance goes like this: you buy a policy, pay the premiums, file it away, and hope it never gets used. Protection for your family if you die. That's it.
But that's not what wealthy families are doing.
American dynasties, high-profile entrepreneurs, and the country's biggest banks have been using life insurance as an active wealth-building tool for generat
IUL vs. Whole Life Insurance: Who Carries the Risk?
Someone put an IUL illustration in front of you. Maybe it was pitched as "market upside with no downside." Maybe as a "Roth IRA on steroids." Maybe as a way to "be your own bank." And now you're trying to figure out whether any of that holds up, or whether whole life, term, or a Roth IRA actually makes more sense.
There's one question that organizes all of it: who carries the risk?
With whol
The Best Cash-Flowing Assets and How to Build a Portfolio That Pays You
The default wealth-building playbook goes like this: buy something low, hope it's worth more someday, then sell to capture the gain. That's the appreciation model, and it can work. But it's not the only path, and for a lot of business owners and high-income professionals, it's not the most reliable one either.
The Money Advantage is built around a different philosophy. Cash flow today is a step
Before You Buy: The Questions Every Infinite Banking Practitioner Should Be Able to Answer
Infinite Banking has grown fast. Really fast. And with that growth has come a flood of practitioners, coaches, agents, and advisors all claiming they can help families become their own banker.
Some of them are exceptional, some are undertrained, and some are simply using the Infinite Banking label to sell products they were already selling, with a new coat of paint.
From the outside, it's g
Fear Is the Most Expensive Financial Advisor You’ll Ever Have
The most expensive financial advisor many people will ever have doesn't send an invoice. It doesn't show up on a fee disclosure. It never introduces itself. But it has shaped more financial decisions, and quietly eroded more wealth, than almost any market downturn, bad product, or conflicted advisor ever could.
That advisor is fear.
Fear is the most expensive financial advisor you’ll ever
What 54 Life Insurance Policies Reveal About Family Banking
SEC Chairman Paul Atkins and his wife reportedly own 54 life insurance policies. Yes, fifty-four!
Most people see that headline and think it's extreme. Maybe even a little absurd. Why would anyone hold that many policies? Who does that?
But there’s a more interesting question worth asking - what does someone who owns 54 policies understand about life insurance that most people were never tau
Indexed Universal Life Insurance Is Not for Everyone: Who Should Not Buy an IUL
IUL gets pitched to young professionals, families, business owners, retirees, and pretty much everyone in between. The message is always consistent: this product can solve your financial problems, provide market upside with downside protection, and generate tax-free retirement income. One product, all things to all people.
For most people, IUL is the wrong tool entirely.
Not because it's fra
When Financial Complexity Hurts More Than Helps
There's a belief in the financial world that complexity equals sophistication. The more moving parts a strategy has, the smarter it must be. The harder it is to understand, the more impressive the advisor must be. And if you can't quite follow what's happening with your own money, well, that's just the price of having a "real" plan.
What if that's exactly backwards?
https://youtu.be/fI41Ex3
Save Automatically & Invest Intentionally: The Order That Changes Everything
You set up your 401(k) contributions years ago. They go out of your paycheck automatically, before you even see the money. You've been doing this for years. And you've been telling yourself you're saving for retirement.
You're not saving. You're investing. Automatically, often without much thought, into a market-linked account where the value can drop without you withdrawing a single dollar.
Whole Life Dividends Explained: What They Are – and What They Are Not
When most people hear "dividend," their brain goes straight to stocks. That's understandable. And completely wrong when applied to whole life insurance.
https://www.youtube.com/live/HPXaTnOOU4U
That one assumption causes real problems. People chase companies with the highest declared dividend rate. They compare illustrations side by side and pick the bigger number. They make decisions base
Boost Investment Returns with Infinite Banking
Every investor faces the same quiet trade-off. The moment you move capital from savings into a deal, the money stops growing where it was. It is now in the deal,or it is in the bank, but it is not doing both. That is the either/or trap of conventional investing, and almost nobody questions it.
There is a way out of it.
https://www.youtube.com/watch?v=TErbvj7rheI&list=PLPvxD-a8qNrkdcvfxh4dG5
Using IUL for Retirement: Smart Strategy or Costly Mistake?
You've probably seen the pitch. Maybe you sat across from an advisor, or watched a video, or had a friend forward you something.
The illustration was impressive: tax-free income in retirement, market upside without the downside, a number at the end that made your eyes widen a little. An Indexed Universal Life policy, they said, could be the retirement vehicle you've been missing.
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What Is Limited Pay Life Insurance?
What Is Limited Pay Life Insurance?
Most people assume that owning a whole life insurance policy means writing premium checks for the rest of their lives. It's one of those assumptions that gets repeated so often it starts to feel like a rule. But it isn't.
https://www.youtube.com/live/8BE2ScEDZhQ
A limited pay life insurance policy lets you fully fund a permanent whole life policy with
What Is an Indexed Universal Life (IUL) Policy?
Few financial products generate as much excitement (or possibly as much confusion) as indexed universal life insurance.
IUL insurance has become one of the most aggressively marketed policy types in the industry, pitched with language that sounds almost too good to overlook, including terms such as market-linked upside, downside protection, tax-advantaged growth, and flexible premiums.
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Financial Literacy for Gen Z: Why Game-Based Learning May Be the Better Way
What an Old Game Revealed About Real Money Decisions
One of the most interesting moments in our conversation with Lucy Taylor had nothing to do with spreadsheets, calculators, or even investing.
It was a game.
https://www.youtube.com/live/hpyIChXQy5U
Bruce brought up Oregon Trail—an old-school game where every decision mattered. How many supplies would you take? How much risk would y
Infinite Banking Policy Design for Long-Term Results
If You’re Chasing Early Cash Value, Read This First
Bruce and I were recording across three time zones, and that detail matters more than you might think because it mirrors what most families are trying to do with their money - coordinate a life that spans seasons, responsibilities, and decades, while the financial world keeps shouting “faster” like everything that matters can be microwaved.
Roth Conversion Strategy: When It Makes Sense, What to Watch For, and How It Affects Your Heirs
“I’m Not Paying for Oil—I’m Protecting the Engine”
There’s a moment in our house where Lucas will look at me—calm as can be—and say, “Rachel… I’m not paying for oil. I’m protecting the engine.”
And every time he says it, it reminds me of how people think about taxes.
https://www.youtube.com/live/1bgZWYxu3jo
Because an oil change feels annoying. It’s inconvenient. It’s not “fun money.
What Is Reduced Paid-Up (RPU) Insurance?
What Is Reduced Paid-Up (RPU) Insurance?
Somewhere buried in your whole life insurance policy, there's a provision called the reduced paid-up option. Most people never think about it until they need to. And by then, they're usually Googling it in a mild panic. So let's get ahead of that.
Reduced paid-up insurance is a nonforfeiture option written into every whole life policy. It gives you t
How to Turn Savings Into Wealth: The System Most People Miss
The $15 Lunch That Quietly Steals the Future
Bruce and I were talking recently about something that looks harmless on the surface—and yet it explains why so many people feel stuck.
Bruce went to lunch and noticed groups of high school kids spending $15–$20 a day at a sit-down restaurant. Every day. And it hit him: we hear the same families say, “My kids will never be able to afford a home.”
Investing vs Owning Assets: The Unseen Wealth Gap Most Families Never See
Investing” Is Not the Same as “Owning”
A client said something to Bruce recently that stuck with me: “I despise the idea of a 401(k)… but I also know I’ll spend the money if it hits my checking account.”
That single sentence captures the tension so many families feel.
https://www.youtube.com/live/1d8Ln6EsBxk
On one hand, you want control. You want options. You want the ability to piv
Nelson Nash Think Tank 2026 Recap: What Serious Practitioners Want Families to Understand
The “Real Show” Reminder (and why that matters)
We kicked off this episode the way we often do—by being real. A quick tech hiccup, a laugh, and the reminder that this is not a polished production pretending to be perfect. It’s a real show, with real people, talking about real money decisions.
https://www.youtube.com/live/JDkaHi_66d8
And that imperfect start is a perfect picture of what’
Marshall Family Banking System Case Study: In-Force vs Original Illustration (Part 6)
The moment we realized “liquidity” isn’t a theory
Thirteen years ago, Lucas and I thought we were being responsible by storing a lot of our capital in gold and silver. It felt safe. It felt timeless. It felt like the kind of move people make when they’re thinking long-term.
And then we needed cash.
https://www.youtube.com/watch?v=M3go-H641ZU
Not someday. Not “in retirement.” We neede
Financial Strategy for Families in 2026 and Beyond: A Framework for Uncertain Markets
The “Clean Slate” That Changes Your Decisions
Every January, Bruce and I have this running joke: as a society, we collectively decide that January 1 magically flips a switch—life will be calmer, more organized, more intentional.
Bruce thinks it’s strange. (He’s not wrong.)I love it. I love a clean slate. A fresh start. A targeted window that says, “This is the beginning.”
https://www.you
Preserving Generational Wealth With Josh Kanter of Leaf Planner: The Missing Piece Isn’t Paperwork
The Questions No One Can Answer After Dad Dies
A man spends his life building a sophisticated estate plan—brilliant strategies, impeccable legal work, a network of trusted advisors, and layers upon layers of entities. His son is a lawyer. He even gets 18 months to prepare before his father passes.
https://www.youtube.com/live/hCA_R52ZyrQ
And yet, within days of his death, people start a
Will AI Replace Financial Advisors? Why Wisdom Still Wins in Real Life Money Decisions
The Moment “Confident” Sounds Like “Certain”
A few weeks ago, we found ourselves talking about how quickly AI is moving. It’s not just that it can answer questions fast—it’s that it can sound certain while doing it.
https://www.youtube.com/live/mWd2QqPzFWA
And when you’re staring at a big money decision—debt, investing, taxes, retirement—certainty feels like relief. It feels like clarit
How to Avoid Estate Tax Legally: The Planning Moves That Protect Your Family’s Legacy
The “Billion-Dollar Asset” That Still Had to Be Sold
A story Bruce shares in our retirement class teaching always stops people in their tracks.
A family inherited an NFL team worth just under a billion dollars. The asset was valuable. The legacy was real. But the planning wasn’t there. When estate taxes came due, the heirs didn’t have the liquidity to pay the bill. And because the wealth was
Financial Planning Mistakes: The Most Risky Moves Aren’t What You Think
Bruce said something on the show that stuck with me because it’s so honest:
Everyone thinks they’re an aggressive investor… until they lose money.
And it’s true. Most people don’t even realize the biggest financial planning mistakes they’re making until the moment something “unexpected” happens: a market drop, a job change, a medical curveball, an opportunity they can’t jump on because their
Cash Flow vs Accumulation: How to Build Multigenerational Wealth
A Hospital Room Reminder About What Really Matters
When Bruce recorded this episode, I was in the hospital.
He carried the podcast solo while I was headed into yet another surgery connected to pregnancy complications, a storyline some of you know has been part of our family’s journey for years.
https://www.youtube.com/live/Fbq412_k_mU
That day was a harsh reminder: life is fragile, t
How Much Do I Need to Retire? Rethinking the Number, the Risk, and the Cash Flow
The Couple With $8.5 Million… and One Salad
“Bruce, I’m afraid we’re going to run out of money.”
He had over $8.5 million across different accounts. They were in their early 70s. On paper, they were far ahead of where most people ever get.
https://www.youtube.com/live/L4phmdaJydw
But his fear was so real that when they went out to dinner, his wife shared a salad instead of ordering h
How to Teach Kids About Money: Habits, Mindsets, and Conversations That Last a Lifetime
The Day a Cookie Business Changed How My Daughter Saw Money
After watching a kid biz launch challenge our eight-year-old decided she wanted to start a cookie business.
She figured out recipes, canvased the neighborhood, and delivered her first batch of cookie dough. By the end of the day, she had a stack of cash in her hand and stars in her eyes.
https://www.youtube.com/live/yzjkVUl38HM
Emergency Fund Alternatives: Liquidity That Protects Your Family—Without Sacrificing Growth
The Day the “Emergency Fund” Met Real Life
Rachel here. Many tell us the same story: “I saved the emergency fund, but I’m worried I’m losing ground to inflation and missed opportunities.”
https://www.youtube.com/live/T7O8abZDKw8
Because for most people, the “emergency fund” is a lonely pile of cash—stuck in a corner doing next to nothing. It feels safe, until inflation and opportunity c
Overcoming Financial Fear: Shift From Scarcity To Abundance With Traditional Planning
Many people make more money and somehow feel more afraid. Afraid to decide. Afraid to lose. Afraid to look foolish. Afraid to miss out.
https://www.youtube.com/live/00ErZ7MiuEM
This isn’t a fringe problem. It’s everywhere.And it’s solvable.
Bruce and I recorded this episode to hand you a simple tool you can use to reframe fear and build the kind of financial life that runs on clarity, c
Taxes and Wealth Creation: The Truth Most Families Never Hear
A few weeks ago our 14-year-old daughter ordered a $30 item online with her own hard-earned cash. She was proud of herself—until a notice popped up: the product was coming from overseas and a tariff of roughly $30 would be due at delivery. She looked at me, stunned. “Wait… I have to pay double to get it?” She paused, thought, and said, “I still want it.”
https://www.youtube.com/live/gV_EvvpiXw
Retirement Plan Reality Check: Build Income, Reduce Risk, and Stay in Control
We went live, the chat exploded, and a listener voiced what so many feel but rarely say out loud: “I’ve followed the rules—so why doesn’t my Retirement Plan feel safe?”
https://www.youtube.com/live/gFQYEJWlWpI
Bruce gave me the look that says, “Let’s tell the truth.” Because we’ve seen it over and over: neat projections, tidy averages, and a plan that works—until the world doesn’t. Markets
Indexed Universal Life Lawsuit: Kyle Busch vs Pacific Life—and the Lessons Every Family Needs
Why the Indexed Universal Life lawsuit is a wake-up call
The headlines about the Kyle Busch vs Pacific Life indexed universal life lawsuit sparked the same question I hear from thoughtful families: is my policy designed to serve me, or to serve a sales incentive? This isn’t tabloid noise. It’s a real-world reminder that choices around products, product design, and behavior determine outcomes. W
Infinite Banking Mistakes: The Human Problems That Derail IBC
“It’s not the math. It’s the mindset.”
When Bruce recorded this episode solo, he opened with something we’ve learned after thousands of client conversations: the biggest Infinite Banking mistakes aren’t about policy illustrations or carrier choice. They’re about us—our habits, our thinking, and the quiet patterns we bring to money.
https://www.youtube.com/live/tvSGb9GkRG4
I remember Ne
Increase Your Savings Without Reducing Your Lifestyle
If you want to increase your savings, don’t start with your budget—start with your lifestyle.Your lifestyle isn’t about how much you spend.It’s about what you prioritize.It’s the visible result of invisible decisions—what you say yes to, what you say no to, and what you're building quietly behind the scenes.
https://www.youtube.com/live/wZIJnteQW-g
Too many people let lifestyle be the engi
Premium Financing Life Insurance: Could Be Right, Sometimes Smart
Premium financing life insurance for estate planning is one of those strategies that sounds impressive—and sometimes is. But for most families, it introduces more complexity and risk than benefit.
https://www.youtube.com/live/8Dav7pQVOrc
At The Money Advantage, we don’t lead with premium financing, and we rarely recommend it. But in a recent conversation with a client facing an eight-figur
Hidden Money Traps: How to Recognize and Overcome the Sabotage Blocking Your Wealth
The Corvette and the $80,000 Lesson
Have you ever made a money decision that felt right in the moment… only to realize later it pulled you further from your goals?You’re not alone—and you’re likely facing one of the hidden money traps that quietly sabotage even the most well-intentioned wealth-builders.
https://www.youtube.com/live/I-1F6u7Z8Bk
Imagine this: You’ve worked hard, saved dil
Infinite Banking vs Index Funds: Why You’re Asking the Wrong Question
The Gas Station Story That Reveals a Common Money Mistake
Let me paint a picture for you.
https://www.youtube.com/live/uqGN5Sz9tJg
You’re driving down the highway and see gas at $3.00 a gallon. Three miles later, you spot it for $2.97. You think, "Yes! A deal!" So you turn around, drive the extra six miles, and save... 30 cents.
Except you used 40 cents of gas to get there.
This i
How to Choose the Right Life Insurance Agent for Your Financial Future
When Bruce came back from recording this episode of The Money Advantage podcast, he told me something that hit hard:
https://www.youtube.com/live/r5oyEytzj1w
He shared how frustrated he feels every time he hears about a family who loses a loved one without proper life insurance. Suddenly, their friends and community are scrambling to create a GoFundMe page just to cover funeral expenses an
Can You Use IUL for Infinite Banking
Have you ever heard someone say you can use an IUL for Infinite Banking?
Maybe you’ve seen a slick video online, or a persuasive advisor with charts and projections that promise you higher returns, flexible premiums, and “upside potential.” It sounds convincing—especially when you compare the numbers on an illustration. Who wouldn’t want more cash value and lower premiums?
But here’s the sob
What Are the Risks of Infinite Banking? The Myths, Truths, and Real Concerns
When most people first hear about Infinite Banking, one of the first questions that comes up is: “But what are the risks of Infinite Banking?”
It’s a fair question. We live in a financial world where we’ve been conditioned to look for the fine print, the hidden traps, and the potential downsides of anything that sounds “too good to be true.”
https://www.youtube.com/live/7JHmm5jEfQ0
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Is Infinite Banking a Sales Tactic? The Truth About Taking Back Control of Your Money
“Is Infinite Banking a sales tactic?”
It’s one of the first questions we hear—and it’s a valid one.
When I first encountered Infinite Banking, I wasn’t looking for a new strategy. I was simply trying to find a better place to store cash.
https://www.youtube.com/live/K00YrFJtIQE
Like many families, Lucas and I were putting our savings into gold and silver. It felt like a smart move—un
Michael Cole on Wealth, Legacy, and the True Impact of Money
A Story That Changes the Way You See Wealth
When Bruce and I sat down with Michael Cole for The Money Advantage Podcast, the conversation didn’t just scratch the surface of wealth management—it went straight to the heart of what wealth really means. Here’s a man who has advised families with an average net worth of more than $500 million, co-founded the largest network of centimillionaires in t
400 Episodes: Top Lessons About Wealth, Legacy, and Serving Families
How a Campfire Call Sparked a Financial Movement
It started with a campfire.
Lucas and I were out camping when I made a phone call that would unknowingly change the course of our lives and the lives of thousands of families:“Bruce, want to start a podcast?”
https://www.youtube.com/live/GKrk_LOMwI4
As we looked back over the years, a theme emerged. The conversations that mattered most
Jesse Durham: How to Build a Lifestyle of Stewardship
A friend called and said four words that changed the trajectory of a young family’s finances: Becoming Your Own Banker.
At that moment, Jesse Durham was a former cop turned Spanish teacher in North Carolina. New baby. Second on the way. About $50,000 of debt. A man raised to do what most of us were taught to do: get the degree, get the job, ride the hamster wheel, and hope the math works out.
How to Use Whole Life Insurance Tax Strategies to Fund Your Legacy
What Most Families Miss About Whole Life Insurance Tax Strategies
Most people miss the hidden power of whole life insurance tax strategies—and in doing so, they overpay in taxes and underfund their legacy. In today’s podcast episode, Bruce Wehner dives deep into how the tax code is designed to reward strategic behavior—and how you can align your actions to reduce your tax burden and redirect th
Short-Pay vs Long-Pay Life Insurance: How to Build a Powerful Infinite Banking System That Lasts Generations
What’s Really at Stake
When it comes to short-pay vs long-pay life insurance, the question isn’t just about convenience—it’s about control, options, and legacy.
https://www.youtube.com/live/dPxt8Nui4g4
In this article, you’ll learn:
The difference between short-pay and long-pay policies
Why a long-pay design gives you more flexibility and cash value
How reduced-paid-up life in
SLAT vs ILIT for High Net Worth Estate Planning: Which One Protects Your Legacy Best?
SLAT vs ILIT for High Net Worth Estate Planning isn't just a legal distinction—it's a strategic decision that could determine how well your wealth serves your family, both now and for generations to come.
https://www.youtube.com/live/CzyssnZbzD0
We were deep into a conversation with Andrew Howell, one of the foremost estate planning attorneys in the country, when he casually dropped a stat
How One Family Mastered Legacy Planning for Families Without Sacrificing Unity or Values
The Power of a Love Letter
When Shannon sat down to write her love letters to her children, she didn’t expect just how meaningful the process would be.
What began as a simple act of putting words on paper quickly became one of the most profound steps in her family’s legacy journey. The letters reflected a lifetime of love, intention, and values that now had a permanent home.
https://www.
Questions a Good Financial Advisor Should Ask (But Most Don’t)
I’ll never forget Bruce’s story about his car, the check engine light on, and a mechanic insisting it needed a $1,500 catalytic converter. Bruce knew better and fixed it by simply tightening the gas cap. That story isn't just about auto repair; it perfectly illustrates why questions a good financial advisor should ask matter. Without probing, you might be sold something you don't need. Competency,
Spouse Financial Preparedness: Ensure Your Partner Can Flourish—Not Fumble
I’ll never forget the moment my co‑host Bruce Wehner shared a powerful story: Nelson told his wife, Mary, “I need to teach you how to be a widow.” That striking phrase stopped us in our tracks. It wasn’t morbid—it was strategic. Nelson recognized that spouse financial preparedness is the cornerstone of true legacy planning. If your partner isn’t prepared to manage finances when the unthinkable hap
How Much Life Insurance Do I Need? Ask This Instead
How Much Life Insurance Do I Need? Why That’s the Wrong Question
If you’ve ever asked, “How much life insurance do I need?”—you’re not alone. It’s a common starting point. But in this article, Bruce and I (Rachel) want to challenge that question and offer something better. Because "need" is often based on a survival mentality—what’s the bare minimum? But the real question isn’t about scraping b
Mutual Holding Companies: What Whole Life Policyholders Need to Know
Lately, we’ve seen a troubling trend online.
People—some well-meaning, some not—are sharing misinformation about mutual holding companies, claiming these companies are no longer mutually owned or that they’ve quietly abandoned their policyholders.
That couldn’t be further from the truth.
So Joe, Bruce, and I decided it was time to clear the air. Because when it comes to protecting your fa
The Truth About Single Premium Paid-Up Additions (SPUA): How to Design Infinite Banking Policies With Wisdom, Not Hype
A few weeks ago, something special happened as we kicked off a podcast recording—Joe DeFazio held up a first edition copy of Becoming Your Own Banker by Nelson Nash. It had just arrived in his hands, passed down like a sacred trust.
https://www.youtube.com/live/4MpwxirBpGA
We weren’t in the same room, so Bruce and I couldn’t flip through the pages or feel its weight for ourselves—but even
How Whole Life and Guaranteed Universal Life Insurance Support Legacy, Wealth Transfer, and Tax Efficiency
In today’s post, Bruce and I (Rachel Marshall) want to bring you behind the scenes of a candid and educational conversation we had with Matt Ewald, Vice President of Life Insurance at Advisors Excel. If you’ve ever wondered when and why to use guaranteed universal life insurance (GUL) —especially in the context of estate planning—this one is for you.
We’ve been having more and more conversation
Align Wealth With Values Through Faith-Based Legacy Planning
There’s a story Buffy Ruthardt shared that still gives me chills.
She and her husband Darren were on a drive, just processing life and legacy—wondering aloud what it might look like for their children to live in their inheritance while they were still alive. Not just financially, but spiritually, relationally, and generationally.
https://www.youtube.com/live/dMMgfxEohsI
It was a bold id
How to Design a Whole Life Policy for Infinite Banking: Avoid the Pitfalls, Build Long-Term Wealth, and Create a System That Lasts Generations
Let me tell you a quick story.
Imagine walking into your local grocery store, grabbing a can of peas, and sneaking out the back door without paying. It sounds ridiculous—maybe even unethical, right? Now, imagine the opposite: You pick up the same can, go to the register, pay for it, and walk out the front door with a receipt in hand.
https://www.youtube.com/live/GZ7wNDb-ugY
That simpl
Should You Put All Your Income Into a Whole Life Policy? Here’s What You Need to Know
It started with a bold question that showed up in a public comment: "If infinite banking is so powerful, why wouldn't I just put all my income into a whole life policy?" That single comment sparked a deeply layered, thoughtful conversation that we knew needed more attention.
It wasn't criticism. It was curiosity.
And curiosity, when channeled with wisdom and humility, can be a catalyst for g
Can You Deduct Life Insurance Premiums? The Truth Every Business Owner Needs to Know
Recently, Bruce shared a story that perfectly illustrates unexpected life challenges—his basement flooded, turning a peaceful Easter weekend into an emergency cleanup session. Just as unexpected problems can flood your home, unanswered financial questions can flood your business strategy, especially questions like: "Can you deduct life insurance premiums?"
https://www.youtube.com/live/crKKtLvZ
Infinite Banking Concept (IBC): The Golden Key that Unlocks Your Financial Life
https://www.youtube.com/watch?v=0AIoJylhZNI
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 sys
How 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.
https://www.youtube.com/watch?v=lNuuPfHW6Jg
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, and a leade
Tour 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.
https://www.youtube.com/watch?v=0buUbqGs5QQ
Today, we discuss why we added another whole life insurance policy, how our cash value is growing, and our vision for using our family banking system as the founda
Estate 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.
https://www.youtube.com/live/sqVXY199ygQ
Bruce and I were in the middle of one of our deeper conversations—talking through how most people think life insurance is just a “check
The 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.
https://www.youtube.com/watch?v=S54uejv8g-Q
When Bruce’s father took out a
Leveraging Policy Loans in Infinite Banking: A Strategic Guide
https://www.youtube.com/watch?v=V8y-QLv01jI
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 you’re ready to l
