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Protect It for Generations.

Section 7702 has been in the Internal Revenue Code since 1984. It's not a loophole—it's explicitly written law that has survived 40 years of tax code changes. The Infinite Banking Concept has been practiced for over a century.

Wall Street can't charge you ongoing management fees on life insurance cash values. Traditional advisors have no financial incentive to discuss strategies that don't generate recurring revenue for them.

No. These strategies work best for high earners ($150K+) with appropriate time horizons and cash flow. That's why we start with an assessment or strategy session—to determine genuine fit.

Policies in force are typically grandfathered under existing rules. Section 7702 has broad bipartisan support because it encourages personal savings and provides death benefit protection. Life insurance has been tax-advantaged since 1913 because it serves a societal benefit.

Most advisors are trained to sell products that generate ongoing fees for them and their firms. We focus on strategies that build wealth for YOU, not Wall Street. We teach you to become your own bank and recapture the interest you're currently giving to financial institutions.

Not necessarily. Many of our clients work with us alongside their existing advisors. We specialize in strategies most advisors don't understand or aren't licensed to implement.

Section 7702 of the tax code defines life insurance contracts and how they maintain tax-advantaged status. When properly structured, these policies allow tax-free growth, tax-free access to cash value through loans, and a tax-free death benefit. It's the foundation for strategies like FlexVault and Infinite Banking.

The 401K creates a "tax time bomb" by deferring taxes to retirement when you may be in the same or higher tax bracket. You're also forced to take Required Minimum Distributions (RMDs) starting at age 73, potentially pushing you into higher brackets. Plus, future tax rates are uncertain—what if they're higher when you retire?

Yes. Infinite Banking is a strategy that's been practiced for over 100 years. It uses dividend-paying whole life insurance as a personal banking system, allowing you to finance purchases and investments while your money continues to compound. Nelson Nash popularized the concept in his book "Becoming Your Own Banker" in 2000.

Absolutely. Unlike 401Ks and IRAs, Section 7702 strategies allow penalty-free access to your cash value before age 59½ through policy loans. This makes it ideal for FIRE (Financial Independence, Retire Early) strategies. You can access capital for living expenses while your money continues to grow uninterrupted.

Compound interest is when your earnings generate their own earnings. Einstein allegedly called it "the eighth wonder of the world." The key is uninterrupted compounding—every withdrawal, fee, or tax disrupts the compound curve. Section 7702 strategies preserve uninterrupted compounding even when you access capital through loans.

Start by understanding your alternatives: Section 7702 strategies, backdoor Roth conversions, taxable brokerage with tax-loss harvesting, and strategic Roth conversions before RMDs kick in. The best path depends on your age, income, and goals. Most high earners benefit from a hybrid approach.