Recommended Reading

Why Write This Book?
The idea of using high cash value life insurance as a vehicle for personal banking is not new. It isn’t even that revolutionary. It’s been around and in use for over 160 years. There are quite a few popular books on the subject, and I’ve read them all. But they all fall flat in some way.

Oh, some of them are good books, by good writers who pack them full of good information. But I haven’t found one that offers a concrete pathway, a method you can use to analyze your personal finances to see whether or not becoming your own personal banker is a good solution for you, and then demonstrates a way to make it happen.

*That’s why this book had to be written.
Your banker would prefer you don’t read this book. Your banker hopes you don’t take the next step and use the free web tools to find out how much money you are actually giving to the bank, and how much you could potentially save and keep for yourself, your loved ones, and your heirs.

And if the numbers work out in your favor, your banker really hopes you don’t take the final step and join the family of those fortunate people who have learned the (not so secret) secret of how to become financially secure by Banking Like a Bank.

Why, if enough people become their own Personal Banker, your banker might have to hold off buying that third or fourth vacation home. They might have to settle for one less fancy sports car in the garage. They could even be forced to put off one of their vacations to Europe because they have to stay back at the office and actually work for a living!

In fact, if you care for the welfare of your banker at all, you should stop reading this book right now and throw it away.

For any saver who’s ever wondered “Am I doing this right?,” this book will give you the guidance and confidence to answer, “Yes.” Too many savers are operating under an old set of rules — rules that were created and tested decades ago for market conditions that no longer exist today. While most of us would never call someone on a rotary phone or drive a car without airbags, we still save with outdated strategies.

“The New Rules of Retirement Saving” is your guidebook to the risks you face as a saver today… and the new rules you can use to overcome them. Martin Ruby, FSA,  is an actuary, a mathematics specialist focused on identifying, evaluating and eliminating risk.  He uses his insider knowledge of how insurance and financial products work to structure strategies that maximize benefits for savers.  Reading this book will give you the knowledge of today’s biggest savings risks and teach you to overcome them as you save for your future.

There’s a massive freight train bearing down on the average American investor, and it’s coming in the form of higher taxes. The United States Government has made trillions of dollars in promises for programs like Social Security and Medicare it simply can’t afford to keep. The only way to deliver on these promises is to raise taxes. It’s simple math.  Unfortunately, if you’re like most Americans, you’ve saved the majority of your retirement assets in tax-deferred vehicles like 401(k)s and IRAs. If tax rates go up, how much of your hard-earned money will you really get to keep?

In David McKnight’s ground breaking book The Power of Zero, he provides you with a step by step roadmap on how to get to the 0% tax bracket, effectively eliminating tax rate risk from your retirement picture. Why is the 0% tax bracket so powerful? Because if tax rates double, two times zero is still zero! The day of reckoning is fast approaching. Are you ready to do what it takes to experience the power of zero?

In his bestselling book The Power of Zero, David McKnight laid out a step-by-step plan on how to get to the 0% tax bracket in retirement. Why is the 0% tax bracket so important? Because if tax rates double, as some experts predict, two times zero is still zero! He also showed how, in many cases, it’s impossible to get to the 0% tax bracket without using a Life Insurance Retirement Plan (LIRP).

In this follow-up book, Look Before Your LIRP, he makes the case that, while a variety of LIRPs may help get you to the 0% tax bracket, not all will do so with the same efficiency or effectiveness. In fact, finding the right LIRP for your tax-free retirement plan can be just like finding the ideal spouse.  Look Before Your LIRP spells out exactly what you’ll need to build a successful LIRP relationship and reveals the one LIRP best suited to get you to the 0% tax bracket.

This book is not about investments of any kind.  It is about how one finances the things of life, which can certainly include investments.  This book will give you a new perspective on the idea of “retirement.”  Nash prefers to use the words, “passive income.”  That is money coming in that you can count on and you don’t do anything to earn it at that time. The Infinite Banking Concept© is a major paradigm shift for most folks. 

Find out how it truly IS POSSIBLE TO ACCUMULATE MONEY THAT CAN BE ACCESSED TAX-FREE …but only if it is done properly.  Patrick Kelly’s Tax-Free Retirement is a fun-to-read book reveals exactly how this concept works and should be required reading for every American. This is a fantastic idea for creating another source of income.  Every American, young or old, should read this because it’s NOT taught in the education system.  No matter HOW MUCH you pay to attend.  Over a decade old, as relevant today as ever.

Secrets of the Ultrawealthy: in every plan there is life insurance, for liquidity, risk-free market investing and tax-free income. How to drastically cut the amount of time it will take you to achieve financial freedom by 30% to 50% through the use of tax- efficient life insurance strategies.  Tony Robbins lays out the strategy in MONEY Master the Game.  

Regardless of whether your net worth is $100,000 or $1 billion, you can create and perpetuate previously unimaginable amounts of wealth for you and your family. How? Through what financial and insurance expert David D’Arcangelo calls the secret asset. The family you are about to meet may be fictitious, but the insurance strategies used are not. In fact, they re the same ones David employed to help his parents, grandparents, and brothers generate over $170 million in additional net worth.

In The Secret Asset, you ll see how David optimized the performance of life insurance policies for his typical all-American family to Make $12 million for his father s parents, Use the $1.3 million cash in a policy on his mom s parents to generate a $12 million gift to a university, Generate over $33 million in estimated tax-free income for a little over $3.5 million, Create a pension rescue strategy that generated an additional $12 million tax-free, and Turn an estimated $65 million estate after tax into a $182 million tax-free windfall. This can be your family s story!

The Secret Asset is, ultimately, a story about creating wealth by betting on yourself. And why not bet on yourself? No one else is going to make you wealthy. By learning David s strategies and seeing the truly astounding financial figures possible, you will permanently change your thinking about how you can create and perpetuate previously unimaginable amounts of wealth for you and your family.