Why do the ultra-wealthy play by different financial rules? Because they create the rules for both us and them. Brian and Hans discuss policy loans, a cornerstone of the Infinite Banking Concept that most financial advisors never mention. What exactly happens when you borrow against your own life insurance policy, and why is it more powerful than any other lending mechanism?

They unpack how policy loans can provide unparalleled financial flexibility, allowing you to access capital without the red tape of banks or the prying eyes of lenders. Learn how smart investors are using this to fund real estate deals, start businesses, or create generational wealth - all while their original capital continues to grow uninterrupted.

In this episode

• Policy loans offer unparalleled flexibility and control: Policy loans from whole life insurance policies allow you to access your money without underwriting, questions about usage, or set repayment schedules. This gives you significant financial flexibility and control over your capital.

• Policy loans have unique repayment advantages: Unlike traditional loans, 100% of policy loan repayments go toward the principal. Interest is calculated separately and added to the loan balance annually. This structure can make policy loans more efficient than traditional amortized loans.

• Policy loans don't interrupt the growth of your cash value: When you take a policy loan, your cash value continues to grow uninterrupted. The loan is made against your cash value as collateral but doesn't actually withdraw from it, allowing for continuous compound growth.

• Policy loans can be a powerful tool for wealth building: By using policy loans strategically (e.g., for investments or major purchases), you can potentially create a "multiplication effect" where your money works in multiple places simultaneously. This can be more efficient than traditional saving or borrowing methods.

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Claim your free guide on smart tax planning and Infinite Banking Concepts (IBC)! Start keeping more of your earnings to maximize your financial growth! https://taxsherpa.com/remnant Neal McSpadden from Tax Sherpa joins us to discuss taxes, wealth preservation, and economic policy. What does it mean when politicians like Kamala Harris throw around terms like "unrealized capital gains tax" or "price controls," and how does it impact your financial future? We unpack how proper tax planning can save business owners tens of thousands of dollars annually and shed light on proposed policies that could dramatically alter the financial landscape for investors and entrepreneurs alike.

This episode pulls back the curtain on the hidden "inflation tax" that's silently eroding your wealth, and introduces alternative strategies like the Infinite Banking Concept that you may have never considered. We challenge what you think you know about building and preserving wealth in today's economy. ➡️ The Tax Planning Imperative: Proper tax strategies for business owners and independent contractors can lead to dramatic savings. Many are unaware of legal methods to significantly reduce their tax burden. This oversight can cost tens or even hundreds of thousands of dollars over time. Implementing smart tax planning is not just about savings - it's about preserving wealth and fueling future growth. ➡️ The Unrealized Capital Gains Tax Threat: The proposed tax on unrealized capital gains is a potentially devastating policy. It could force asset sales, create severe liquidity issues, and unfairly tax "paper gains" that may never materialize. This approach fails to account for market volatility and could significantly hinder long-term wealth accumulation, especially for business owners and investors. ➡️ The Hidden Inflation Tax: Government monetary policy and unchecked spending are driving a stealth tax through inflation. The continuous creation of fiat currency erodes purchasing power over time. This "inflation tax" hits all income levels but is especially punishing to savers and those on fixed incomes. Understanding and hedging against this hidden wealth erosion is crucial for long-term financial planning. ➡️ The Power of Alternative Wealth Strategies: Relying solely on traditional investment vehicles and the conventional financial system exposes you to significant risks. Strategies like the Infinite Banking Concept (IBC) using properly structured whole life insurance provide guaranteed growth, tax advantages, and put you in control of your capital. Unlike market-based investments, IBC allows for uninterrupted compound growth, shields your wealth from market volatility, and offers unique financial flexibility. Connect with Neal from Tax Sherpa https://taxsherpa.com https://www.linkedin.com/in/neal-mcspadden/ https://www.youtube.com/@NealMcSpadden Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

You’ve probably heard someone say, "The market averages 12% returns over the long term." In this episode, Brian and Hans tackle why this is an extremely misleading metric that can lead to unrealistic expectations about wealth growth.

Using real-world examples, they demonstrate how the average rate of return fails to accurately predict investment outcomes. Not only can this metric not be used for future return projections, but it does not even accurately reflect the actual returns over the time span from which the numbers were derived! Also absent in most financial projects are the eroding factors that can significantly reduce actual returns, such as taxes, fees, and portfolio churn.

This episode will challenge what you think you know about market returns and offer a fresh perspective on building long-term wealth.

• The Average Rate of Return Fallacy: The average rate of return is a misleading metric for financial planning. It fails to accurately reflect real investment outcomes because it doesn't account for the sequence of returns, particularly washing out the impact of negative years. This can lead to significant overestimation of future wealth.

• The True Impact of Losses: Even a few negative years can dramatically impact long-term wealth accumulation. A 50% loss requires a 100% gain just to break even. This underscores the importance of protecting your capital and seeking financial vehicles that offer uninterrupted compound growth, rather than chasing high but volatile returns.

• Hidden Erosion Factors: Beyond market performance, factors like management fees, taxes, and unexpected life events can significantly reduce actual returns. These are often overlooked in traditional financial projections but can have a substantial impact on long-term wealth accumulation.

• Prioritize Certainty and Control: Instead of relying solely on speculative market returns, seek out financial strategies that offer more guarantees and put you in control. Consider incorporating tools like properly structured whole life insurance that provide consistent growth, tax advantages, and financial flexibility. Remember, you only get one shot at this - make it count by focusing on certainty rather than chance.

Got Questions? Reach out to us at info@remnantfinance.com

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