Featured Articles
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Planning Your Financial independence
Read more »: Planning Your Financial independenceTo achieve financial independence, you have to plan your financial course with care. It is not an easy task since there are no one-size-fits-all formulas that you can follow because the variables keep changing. However, there are actionable steps you can take.
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Becoming Your Own Banker Training
Read more »: Becoming Your Own Banker TrainingBecoming Your Own Banker is a financial strategy focused on your benefits not the banks benefits. A way to grow your future financial success and the potential of a dividend-paying life insurance. It’s neither a sales nor a marketing tool for whole life insurance brokers.
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Cash Flow Banking Strategy
Read more »: Cash Flow Banking StrategyWhat is Cash Flow banking? Cashflow Banking or Cash Flow Banking is a strategy used to describe a way to capture the opportunity cost on your cash flow as it moves through your life. The banking aspect refers to the way you can transactionally access this stored cash flow from the cash values of a…
Financial Education
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Why you don’t need a professional certification in financial services
Read more »: Why you don’t need a professional certification in financial servicesMany Canadians believe credentials are required to make sound financial decisions, but experience, communication, and a proven track record often matter more.
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How Do Dividends Work?
Read more »: How Do Dividends Work?How Do Dividends Work? Did you know that certain life insurance companies in Canada pay dividends annually to their participating whole life policy owners? Since 1848, Canadians who own these contracts have been receiving annual dividends each year without interruption. Yes, even during the Spanish Flu, the great depression, 30 recessions, H1N1, SARS, the financial…
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How will the economy of Canada impact your registered accounts?
Read more »: How will the economy of Canada impact your registered accounts?Economic downturns can shake more than just the stock market — they can derail your retirement plans. RRSPs, while popular, are often exposed to market volatility and come with penalties for early withdrawals. Many Canadians have learned the hard way that traditional savings strategies can be inflexible when real-life emergencies strike. Rethinking where and how…
Wealth Building
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Cash Flow Banking Strategy
Read more »: Cash Flow Banking StrategyWhat is Cash Flow banking? Cashflow Banking or Cash Flow Banking is a strategy used to describe a way to capture the opportunity cost on your cash flow as it moves through your life. The banking aspect refers to the way you can transactionally access this stored cash flow from the cash values of a…
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The Secrets to Paid Up Additions
Read more »: The Secrets to Paid Up AdditionsIn this article, we’ll talk about paid-up additions and how it suits this often neglected, and often misunderstood, financial freedom tool known as participating dividend paying whole life insurance coverage.
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Creating A Private Family Banking Strategy
Read more »: Creating A Private Family Banking StrategyWhat is the main cause of concern among wealthy families around the world? Our research shows that families who are remarkably wealthy are keen and deeply concerned about their families’ welfare in the future. They don’t focus only on managing investments of the financial assets they…
Retirement Planning
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Discover How You Can Create Tax Preferred Retirement
Read more »: Discover How You Can Create Tax Preferred RetirementHow Much Do I Need To Retire? If you are like most people, you may have found your mind wandering occasionally, thinking about what life will be like when you’re ready for the big day … Retirement. All that time to yourself, the freedom to travel when you want to travel, to serve when you…
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OAS – Old Age Security Canada
Read more »: OAS – Old Age Security CanadaOld Age Security Canada info for 2022 Are you interested in learning what the OAS payout is for 2022? The amount you receive from this Canadian program depends on a few individual factors. Just as well, there are some strategies worth knowing to get the most from your OAS payment. Let’s break down everything your…
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Retirement Calculator Canada
Read more »: Retirement Calculator CanadaIf retirement is on the horizon for you or a major milestone you want to achieve, set a clear goal, and plan a reward for achieving it to help motivate you. Instead of planning an age or a date focus on a financial target that will produce the quality of life you are looking for.
Insurance Education
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What Are The Financial Risks of Having Only One Primary Beneficiary?
Read more »: What Are The Financial Risks of Having Only One Primary Beneficiary?Why Do I Need A Primary Beneficiary? When you have a life insurance policy, you may be concerned with dividing up the benefit amount and who will take responsibility for your children or other dependents after your death. Additionally, there will be many obligations that need to be dealt with when you pass away. Therefore,…
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What Is Permanent Life Insurance
Read more »: What Is Permanent Life InsuranceInsured Retirement Plans (IRPs) allow you to have your cake and eat it too. In the article, we’ll be exploring what IRPs are, how they work, plus the pros and cons of getting one. Finally, we’ll tell you what kind of individual is best suited for this strategy. Insurance can be complicated. So, before we…
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What Is A Participating Policy?
Read more »: What Is A Participating Policy?Participating policy – What to expect. A participating policy is an insurance contract that pays dividends to the policy holder. Dividends are generated from the profits of the insurance company that sold the policy and are typically paid out on an annual basis over the life of the policy. Most policies also include a final…
All Articles
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How to Get Started With Infinite Banking: Step-by-Step Guide
Read more »: How to Get Started With Infinite Banking: Step-by-Step GuideReady to take control of your financial future? Tired of traditional banking that seems to benefit everyone except you? Infinite Banking might be the solution you’re seeking. This approach puts you in the banker’s seat, allowing you to build wealth, access capital when needed, and create a legacy for your family. Unlike conventional approaches that…
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Term vs Whole Life Insurance: Which One Is Right for You?
Read more »: Term vs Whole Life Insurance: Which One Is Right for You?Life insurance plays a vital role in protecting your family’s financial future, but navigating the different policy types can feel overwhelming. Two of the most common options—term life insurance and whole life insurance—serve different purposes and come with distinct features and benefits. Your choice between term and whole life insurance largely depends on your financial…
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What Is a Life Insurance Policy Loan? Understanding Whole Life Policy Loans
Read more »: What Is a Life Insurance Policy Loan? Understanding Whole Life Policy LoansMany people overlook one of the most powerful financial tools available through permanent life insurance: the policy loan. This unique borrowing option allows policyholders to access the cash value they’ve built in their whole life insurance policies, providing liquidity and opportunities that traditional financing often can’t match. Unlike conventional loans from banks, policy loans offer…
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How Does Infinite Banking Work?
Read more »: How Does Infinite Banking Work?Ever felt like traditional banking benefits everyone except you? What if you could create your own personal banking system—one where you maintain control while your money grows? This is the promise of Infinite Banking, a financial strategy that’s changing how people approach money management and wealth building. Infinite Banking uses strategically designed whole life insurance…
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Infinite Banking: A Complete Guide to Building Your Own Banking System
Read more »: Infinite Banking: A Complete Guide to Building Your Own Banking SystemEver wondered why banks generate billions in profits while most individuals struggle to build wealth? The answer lies in how banks leverage the flow of money, earning interest on every dollar that passes through their doors. What if you could apply this same principle to your personal finances? Infinite Banking offers a revolutionary approach to…
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Cash Value vs Death Benefit: What’s the Difference and Why It Matters
Read more »: Cash Value vs Death Benefit: What’s the Difference and Why It MattersNavigating the world of life insurance can feel like learning a new language. Two terms you’ll encounter repeatedly are “cash value” and “death benefit” — understanding their distinct roles is crucial for making smart financial decisions. Permanent life insurance policies offer more than just protection after you’re gone. They can serve as powerful financial tools…
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Whole Life vs. Universal Life Insurance: Which is Right for You?
Read more »: Whole Life vs. Universal Life Insurance: Which is Right for You?Choosing the right life insurance policy can feel like one of the most important financial decisions you will make. With so many options, it can be overwhelming to determine the best fit for your needs. Among the most popular choices are whole life insurance and universal life insurance. These policies come with distinct benefits, features,…
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The Comprehensive Guide to Life Insurance Retirement Plans (LIRPs)
Read more »: The Comprehensive Guide to Life Insurance Retirement Plans (LIRPs)Planning for retirement is a critical step in securing your financial future, but it’s not just about saving money—it’s about making smart decisions to grow and protect your wealth. This involves using the right tools and strategies that balance growth potential with tax efficiency and flexibility. One option that stands out, yet often flies under…
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Fundamentals of the Capital Dividend Account
Read more »: Fundamentals of the Capital Dividend AccountOne of the most common questions I get asked by clients around owing their life insurance corporately, is if it is still tax free on death. The simple answer is “Yes”. When a life insurance policy is owned and paid for by a corporation, and the death benefit pays to the corporation, the full death…
