Thursday, May 21, 2020

401k Employer Match - Food for Thought

"Any necessary change in your life will involve the way you think and your willingness to change the way you go about it." - Nelson Nash

I'm thinking about 401k's and the match some people receive from their employers and I wanted to share this thought with you.

If you stop to really think about it, the employer match to a 401k isn't "free".  It's certainly nice to think of it that way.

However, if you're thinking like a business owner, the truth is that is that match in a 401k plan is really part of the employee overall financial package.  It is part of your overall gross pay.

Some employers provide really great benefits and the trade-off is a lower salary.  It's no different with a 401k match.  The match is a benefit but ultimately it is part of your compensation package.

There is no free lunch.  Period.

Whether you choose to accept it is entirely up to you.

Think of it like a gift card.

Businesses love gift cards because many gift cards are never used.  Some get tossed without ever using the entire balance.  This is especially true with gift cards that may have an expiration date.  That's money the business can eventually re-purpose elsewhere.

When you don't opt to take advantage of the 401k match, that's part of your compensation package you're leaving on the table.

Just don't consider it free.  It's yours... if you want it.

The big question: is the match worth it?

Instinctively, yes....right?

If you understand and practice Infinite Banking, there's definitely more debate about the merit of the 401k match however.

After all, accepting the match means locking up your contributions until age 59.5.  That's money no longer in your control, prone to losses, 2-3% in 401k and mutual funds fees per year (smaller companies have the most excessive fees due to economies of scale), and ultimately a permanent tax lien upon withdrawal.

Also, that employer match potentially means you'll have more in your 401k account.

Great, you say but you will also have a higher probability of paying a larger % of taxes upon your withdrawal.  That match is essentially extra revenue for the IRS. 

(This is simply human nature to pursue self-interest, not conspiracy-- when Wall Street earns a guaranteed fee on every dollar you contribute for the life of the plan and the government is waiting to collect their portion, too, do you ever stop question their motive in recommending you be all-in on maxing out your 401k?)

Suddenly you begin to realize the match isn't really a 100% no brainer like conventional wisdom would want you to believe.

It's my experience that the prevailing convertional financial wisdom has a way of leading people into financial bondage instead.  This is what happens when society turns to government solutions instead of figuring things out on our own.

Government, banks, and Wall Street absolutely all have something to gain by your continued participation.  The wise consumer will look to protect their money from prying hands (fees and taxes) by looking at every dollar they save as their own personal property.

A 401k/IRA is bit of lobster trap if you ask me.  (Understatement of the year.)

If you decide there's no other choice than a 401k or IRA, it will be the best you can do.

But is it the only option?

Of course not.

IBC proves this because it is a private contract between two private entities, you and a mutual-based life insurance company (owned by you-the policyowner!).  When you capitalize your own pool of money within a dividend-paying Whole Life policy, you're actually choosing a tax-favored property that when used properly can help minimize taxation and grow wealth uninterrupted, even while you use the money elsewhere!

The more you learn about IBC the more you will actually be forced to think like a business owner.  Whether you run your own business or not, you must realize there are 2 businesses you should participate in.

The first business is currently what you do for income.  The other business should be the eternal business of banking.   You are already a bank consumer.  The difference is you shop at a bank you don't own or control.  Might as well understand how banking works so you can benefit from acquiring your own pool of money to build your wealth.

It's a pretty simple solution to life's biggest financial problem (the ability to save more than you spend) once you realize there is another option than a 401k.

Pop Quiz

1. How much money do you save each year?
2. How much do you spend on fixed expenses (car loans, rent/mortgages, taxes, vacations, tuition, etc) each year?

Are you saving more or spending more?

The average person spends 3.5x more than they save but they have been conditioned to focus on the smaller amount never realizing they have the ability to take control of the larger amount to create wealth.

Pick up a copy of Becoming Your Own Banker by Nelson Nash if you haven't already.  It is an essential starting point to guide you on a path of your own making, towards a financial lifestyle that you ultimately can control by eliminating the IRS, banks, and Wall Street from your life.

"Action is preceded by thinking.  Thinking is to deliberate beforehand over the future action and to reflect afterwards upon the past action.  Thinking and action are inseparable.  - Ludwig von Mises

Thank you,

John Montoya

Wednesday, May 20, 2020

IBC Mailbag: 3 Ways To Access Money from a Whole Life Policy

The following is an email reply to a new client requesting to access money for the first time.  This client emailed me requesting to "withdraw" money to pay off a car loan.

Hi ______,

So I’m going to be a bit of a nerd here because I want to be sure we are using the correct wording/terminology.

The best way to access funds is via policy loan because it doesn’t interrupt the compounding effect of the money in the policy and it is also a non-taxable event.

Withdrawing money physically removes your own money from the account and interrupts the compounding effect. 

I explain accessing money from a Whole Life policy this way to keep it simple:

There are 3 ways to access money

  1. The Sad Way
  2. The Dumb Way
  3. The Smart Way

The sad way is you pass away and the beneficiary gets the death benefit.  Let’s avoid that for as long as possible!

The dumb way interrupts compounding growth. 

The smart way, as mentioned, doesn’t interrupt the compounding growth of the cash values and is tax-free.

Utilizing the "Smart Way" allows you to be your banker.  You are essentially replacing the car finance company from the equation.  All the payments you would send to the car finance company will now be returned to your banking system (the whole life policy) where it will earn a guaranteed tax-free rate of return for the rest of your life!

All of this is possible by becoming your own banker through a dividend paying whole life insurance policy.  Why pay other financial institutions when you don’t have to?

So all that shared, it will take 3-5 business days upon request of the loan to see it in your checking account.  You’ll need to provide the insurance company with a voided check if they don’t have a checking account on record for you.  Also, I strongly recommend setting up a monthly draft for the policy loan repayment for at the least same amount you were sending the car finance company.  It's important to be an honest banker with our own money.  Please refer to the Grocery Store analogy in the Nelson Nash's book Becoming Your Own Banker.  I can help explain the analogy further if you like.

If I can assist with anything I’ve explained here, please let me know.  You can reach me here:

Thank you,


Sunday, May 17, 2020

The Best Place for Money: The Misunderstanding of Whole Life Policies

FOREWORD: Keep one thing in mind before you read my latest blog post.  Failing to understand the mystery of banking doesn't prevent it from actually working.  A banking system will work whether you "get it" or not.  Even from my own personal experience, the biggest hurdle to IBC is the paradigm shift in thinking.  I completely acknowledge IBC is the opposite of how we are taught to think about money.  Failing to fully understand how IBC works is a reason some people never get started with IBC which is a shame.  I've written this post for those who struggle to "get it".  

My parents raised me with a passport savings account and “cashed in” my Gerber Baby whole life policy surrendering it at age 18 so I’d have some additional spending money when I went away to college.  Most people are handed down the same sad lessons that seem like good common financial sense at the time. 

What we fail to learn about money is that the business of banking is the most essential and eternal business that exists.  There will always be a need for banking.  Unless we solve for our need to bank (access large amounts of capital on our own terms), we must rely on the traditional banking system to handle it for us.  Nelson Nash, creator of Infinite Banking, said we all should be in two businesses:  whatever we do for income and the banking business.  I believe he was right.  Alas, not even 12 years of mandated public schooling or higher education teaches us anything about the essence of banking.  Sad.

It’s rather ironic to me now.  We are taught at an early age to trust the bank with its perceived safety (FDIC is underfunded) and borrow from the bank (we are consumers after all, yet we shop at a bank we don’t own).

At what age do we begin to realize we are just borrowing back our own money – pooled together with other depositors? 

We are also taught we don’t need life insurance except to replace income and the narrative says life insurance is the worst place for money.  In actuality, the life insurance industry is a safer place for money than banks.  It’s telling that banks keep their tier 1 reserve assets in ultra-safe, ultra-liquid Bank Owned Life Insurance (BOLI) policies and turn around to recommend CD’s and mutual funds to us.

Beyond just replacing income in the event of premature death, properly structured whole life policies also provide an immediate and available source of capital which can be used for an “infinite” number of reasons for all of life’s milestones.

No need to ask bank loan officers or 401k administrators permission for a loan.  And IBC is all accomplished while earning a guaranteed and compounding tax-free rate of return.

As Nelson repeated over and over again during his lifetime, "Eliminating traditional banks from one’s life is the most stress-free way of living."

It’s a strange thing that IBC has worked for so long hiding in plain sight and without the layperson actually having to know very much of the inner workings of a Whole Life policy (contractually guaranteed and 170+ year history behind it) but it does require a leap of faith into the unknown.  This was true even for me when I started my 1st IBC policy, a tiny $2300 a year policy because I thought it sounded just a little too good to be true.

I think the worse thing about IBC is that it uses a Whole Life policy as the account of choice.  It’s too easy to get hung up on the life insurance death benefit aspect and not see that a Whole Life policy works better than any other place for money (see chart above).  This is because a Whole Life policy replicates a traditional banking system in the most essential ways.

Sometimes learning requires the use of imagination.  I'm sure you are aware Shakespeare wrote “all the world’s a stage”.  If we are to use our imagination and look upon the business of banking as a play, you’d recognize four characters in the play are the same as with Whole Life:

  1. Depositor (Saver) – someone needs to save the money which is what we call capital.
  2. Debtor (Borrower) – there’s always need for money (cars, college, taxes, medical expenses, investment opportunities)
  3. Admin (someone needs to run the business operation)
  4. Bank Owner (Policy Owner) – someone will profit from a person’s need for capital (might as well be you and me)

We are playing 3 of the 4 characters in this play anyway.  Might as well call a Whole Life policy what it truly is:  a cashflow management system.  

If having a death benefit throws you for a loop, please realize the death benefit of a Whole Life policy merely ensures that the money in the policy is tax-free as it grows, is used, and ultimately tax-free again when it passes on to the next generation.  Congress has made it so.  It is all perfectly legal.  In fact, as mentioned Whole Life policies have been around a longer than the Internal Revenue Code (created in 1913 and expanded ever since).

The employees of the life insurance company (as with a traditional bank) do all the work to make Whole Life function.  No luck, skill, or guess work on our part. 

Time, money, and discipline do the rest.  (and perhaps a little bit of faith in getting started at first!)

If Congress passed legislation calling IBC designed Whole Life a 7702 Account (…that’s the actual IRS tax code about tax-free life insurance cash values) making it as mandatory as owning health insurance, society would be better off. 

Actually, a better name for IBC would be to call it an HSA account because it does what a tax-free HSA account does but better… because IBC has the whole life engine to give cash uninterrupted growth, collateral capacity (ability to take loans and repay on a flexible schedule), and of course a death benefit to pay off any outstanding loans at death.

Banking interests will never allow such a law like this though for good reason.

After all, why would people borrow from a traditional bank if they knew they could borrow all the capital they needed from their own banking system on a tax-free basis while earning a compounded rate of return?  The need for traditional banks would evaporate in short time and so to all the major conflicts in the world...

To understand the essence of banking, watch this Youtube clip from the movie The International:
Entertaining movie, by the way.

Are you ready to be your own Banker now?

To learn more and even get your first IBC policy started, you can find me here:

Thank you,

John Montoya

Friday, May 1, 2020

IBC Mailbag: How Safe Are Life Insurance Companies?

The following is an email I sent to a prospective client with nearly $500,000 in bank CD's who was requesting assurances on the safety of his money if he purchased a contract (life insurance or annuity).

I’ve attached an article I’d like you to read about the solvency of the Life Insurance industry.  (Here's the link:

Regarding the FDIC, it has an interesting history if you study it.  It was created during the Great Depression to alleviate people’s fear for a “run on the bank”.  Banks don’t keep the money you deposit in a vault.  They lend it out right away to earn interest.  Furthermore, banks have the ability to create money out of thin air.  This is called Fractional Reserve Banking.  Banks basically keep no more than 10% of your money on deposit, lend the rest, and thru Fractional Reserve Banking can even create more money out of think based on your deposit.  (Sidenote: due to the pandemic the Federal Reserve has actually lowered bank reserves to 0% meaning they don’t have keep any of our deposits on reserve!)

Think of how mortgages are created.  Banks don’t actually have the money but a signature on a mortgage note creates that money out of thin air.  Then people pay interest to the banks on money that has never existed before.   This is the true definition of inflation (the creation of new money).  Most people confuse inflation with the price of things but that’s actually the end effect when there is too much money in the system which forces prices up over time. 

So FDIC is a government created agency to backstop banks in the event there is a run on the bank panic.  However, the FDIC is actually insolvent.  It has maybe only a $100 billion in assets and this amount insures over $10 trillion in bank accounts across the US.  That said, the government could have the Federal Reserve print more money for the FDIC to bailout people’s bank accounts so there is that.  But for assurances, think about a bankrupt government with an agency (FDIC) that does actually have enough assets to provide a full reserve (that is restore all your money in the event of a bank failure).

The point is that FDIC is sticker of confidence and FDIC doesn’t actually have the money.  The government could make a person’s account whole but if it actually came to that, the money would not be worth as much because of the mass inflation it would cause with all the money printing.  On the positive, people trust FDIC and government to back up a failed bank system and that’s a good thing.  Otherwise, everyone would be running to get their money out of the banks and that would be a very bad thing for the economy.  So it works but it’s built on a very flimsy premise of trust. 

You can read more about how Fractional Reserve Banking works by reading a book called The Creature From Jekyll Island.  Great book.  You can find a link to the book on my website here:

The life insurance industry in comparison puts the banking industry to shame because the life insurance industry operates as a Full Reserve system.

By law, all life insurance companies in the United States must maintain 100% solvency (more assets than liabilities) at all times.  Industry average per life insurance company is 105%.  That means if every life insurance company had to pay off what’s owed, it would still have money left over to continue business operations. 

Also, life insurance companies cannot create money out of thin air.  They are inherently a safer place for money because of this but because people don’t know how the life insurance industry is regulated by law to be a full reserve system, people don’t think of a life insurance industry as a place to park money when it absolutely should.

Since 100% solvency is required by law for life insurance companies to operate, there is no federal safety net like FDIC required for life insurance companies.  In fact, no one who has ever purchased an annuity has ever lost a dime.  That is a fact the life insurance industry goes to great lengths to ensure because the life insurance business is based on promises to pay claims and benefits.

All that said, each life insurance company has a state safety net of minimally $100,000 and as much as $300,000 that works just like FDIC does for banks.  Life insurance companies are regulated at the state level which is why the government safety net is determined by the state you live in.  When you purchase an annuity, you instantly have this safety net guarantee.

Hopefully this gives you some food for thought.  I’ve included an article from Forbes which discuss the safety of the life insurance industry here:

Please let me know if you have any questions about assurances or any other topic I can help answer.  You can reach me at

Thank you,


Thursday, April 23, 2020

COVID message from Penn Mutual

The following is a message being relayed from Penn Mutual.  The message applies to all policy owners in need of assistance due to hardships caused by the pandemic.  If you have a policy with a different company and have questions, please let me know.

Dear Policyholder,
Recent amendments to insurance and banking regulations extend grace periods and give you other rights under your life insurance policy or annuity contract if you can demonstrate financial hardship as a result of the novel coronavirus (“COVID-19”) pandemic. These grace periods and rights are currently in effect but are temporary, though they may be extended further. For more information, please visit the Penn Mutual site for COVID-19 news and updates for policyholders.

At Penn Mutual, our policyholders appreciate our efforts to stay connected and provide relevant information that reflects our sensitivity to the challenges they are facing. Last month, we communicated that we are offering payment flexibility to our policyholders directly impacted by COVID-19 including:
  • Extending grace periods for premium payments
  • Not charging late fees, and
  • Allowing for up to 12 months to pay any missed premiums.

Please contact me with any questions at I’m here to help.

Thank you,

John Montoya

Tuesday, April 21, 2020

Falling Interest Rates, Hyperinflation, and Whole Life Policies

There have been questions about what the impact will be for life insurance companies and the Whole Life policy owners because of everything currently transpiring with the Coronavirus outbreak and the response by governments and central banks around the world.

Here’s one question that was recently asked: “How do Whole Life policies perform relative to rising and falling interest rates?”

Whole Life policies work in both rising and falling interest rate enviroments because the growth is based on two components.  First is the guaranteed interest.  Whole Life policy owners receive this interest growth no matter what.  It's baked into the cake so to speak.  

The other part of the growth in Whole Life policies are the dividends which fluctuate with the interest rate environment.  If interest rates are high, life insurance companies are earning a high yield and can pay higher dividends.  When interest rates are as historically low as they have been for the past 12 years, then life insurance companies have smaller yields with which to pay dividends.

The great news is that Whole Life policies have performed well over its 170+ year history.  (And they actually perform even better when designed for high early cash values utilizing the Paid-Up Addition’s rider via the Infinite Banking strategy which I'll discuss at the end.)

Here’s why the history of whole life policies have stood the test of time.

Insurance companies need to invest all the premiums they collect and their investment performance plays a large role in determining the surplus profit used to pay dividends to policy holders.

Something important to note is that life insurance can’t invest the way Wall Street firm invest because life insurance companies are in business of providing guarantees.  For whole life policies, there's the annual guaranteed interest to policy holders and ultimately a death benefit guaranteed to beneficiaries.  These guarantees mean life insurance companies have to be really conservative to ensure they have the assets to back up their promises.

For this reason as much as 90% of a life insurance companies portfolio is invested in corporate bonds and these debt instruments are typically held to maturity because insurance companies love cash flow.  And they love predictable cash flow even more. It’s not as sexy as chasing double digit rates of return like the typical Wall Street trader but the strategy produces predictablely consistent returns.  More importantly, it has proven work for life insurance companies which is what we want.  

Hiccups like what we’re experiencing right now in the stock market don’t have a short-term impact on life insurance companies and policy holders for this reason.

The interest rate environment whether rising or falling will influence future dividends but the shifts are extremely slow to manifest with life insurance companies.  Furthermore, interest rates are all relative.  If interest rates are low for life insurance companies, they are low for banks, too.  

For example, when interest rates were at rising in the late 1970’s/early 1980’s, dividends payouts followed gradually.  Whole Life policies actually had dividend rates higher than 10% in the 1980’s.  But as interest rates have been steadily falling for the last couple of decades, so have dividend scales.

Below are two charts showing the Prime Rate and the Federal Funds Rate.  The main take away in looking at these two charts are to see that both interest rates are in sync.  (Remember -interest rates are relative...when the cost for borrowing is high, so is the interest rate for saving)

Now let’s look at a chart covering 200 years courtesy of CNBC.  The big takeaway over 200 year is that interest rates have averaged 5.18%.  This is about the same tax-free return currently yielding on IBC designed Whole Life policies.

Now let’s look at the Moody’s Corporate Bond Yield history which aligns with historical rates on the previous with the previous charts.  Remember that life insurance companies invest up 90% of their portfolio in AAA rated corporate bonds so their dividend scales will reflect the greater corporate bond market. (I've included the links to take to each chart if they are too small to see.)

You can see bond yields falling since the 1980’s.  Yet despite falling interest rates over multiple decades, Whole Life policies have steadily performed paying the guaranteed interest and then dividends on top for additional growth.

From an illustration standpoint right now is actually the best time to buy a Whole Life policy from a historical standpoint because if you look at the policy guarantees as well as the non-guaranteed ledger (the non-guaranteed ledger includes future dividend assumptions based on the current scale), the policies are illustrated to perform very well despite interest rates being as historically low as they’ve ever been. 

Of course, the flipside is that if you bought a Whole Life policy in the 1980’s when dividends were at their highest, you’d be disappointed because you would have experienced a declining dividend scale since then.   However, you'd still have a whole life policy that is growing each year and earning dividends to help outpace inflation. 

Eventually though interest rates will normalize.  When that happens whole life policies purchased in the past 10 years will outperform their current illustrations printed at issue.  We just don’t know when interest rates will rise.  The Federal Reserve has basically made it impossible for interest rates to achieve real market rates and this market manipulation leads to another concern.

What happens if the Federal Reserve creates too much money out of thin air and accelerates the devaluation of the dollar beyond the Fed’s stated 2% annual inflation goal?

First, here’s some peace of mind.  Just like how whole life policy values have endured regardless of the prevailing interest rate environment, these policies have also survived every monetary change in the United States for the past 170+ years.  It’s worth noting that monetary systems change in some way about every 30 to 40 years. 

Most people don’t realize it when buying a whole life policy but the insurance companies they are buying a policy from have actually been in business long before the the Federal Reserve was created.  The Federal Reserve in its current form (INTERESTING FACT-it's actually the 3rd central bank of the United States since the Declaration of Independence in 1776) has only been around since 1913.  I highly recommend reading The Creature From Jekyll Island if you want the full history on bankers and politicians plotted to create a central bank at a time when banks were despised by the general public.  It's call the Federal Reserve for a good reason even though it's actually a private bank...

During the past 107 years the value of the dollar has shrunk by 94% since the Fed was created.  Whole Life policies have managed to perform through everything so far.

Coincidentally (or not), 1913 is the same year the IRS was created.  It is a bit convenient that politicians would give banks the legal ability create money out of thin air which in turn enables politicians the ability to call on the Fed to borrow money secured by a constant source of revenue (income taxes)... if you stop to think about it...

Here’s some of the monetary changes of the past change century and whole life policies have survived them all.

FDR confiscated gold and made it illegal in the 1930's, then we had Bretton Woods system in 1944 making the dollar the top global currency (governments could exchange dollars for gold) until Nixon officially made the US dollar fiat over night in August 1972 essentially bringing us to our current system which is fiat the world over.

The big question though is how would hyperinflation affect Whole Life policies?  That’s something Americans haven’t experienced but like the black swan event we are experiencing with the Coronavirus, anything is possible.

The first thing to know about hyperinflation is that it doesn’t happen overnight.  The most referenced examples of hyperinflation in the past century happened in Germany in the early 1920s, Zimbabwe in the late 2000’s, and this past decade in Venezuela.  In all cases, the devaluation happens gradually at first and then accelerates to the point where inflation reaches double digits on a monthly basis and then violently where inflation is 100%and beyond on a weekly basis.  We will be painfully aware of accelerating devaluation when it arrives. 

This is the plan with your Whole Life policies if hyperinflation happens to the US dollar:

  1. Take the maximum loan allowed to buy assets you feel would maintain value (gold, gold stocks, real estate, etc) then repay those loans with pennies on the dollar after the system resets, or
  2. Surrender the contract (whole life policies have no surrender penalties), use the cash value to buy assets you feel would maintain value (gold, gold stocks, real estate, etc.  Assuming you are still in good health and can qualify, re-purchase your whole life policies once the new monetary system is settled.

Pretty straightforward.  No need to panic when you know you can choose option A or B.  And that's if it ever happens here.

Moving beyond hyperinflation, we are experiencing inflation but nothing alarming.  I’d call our current inflation experience “the gradual phase” and historically the gradual phase is all we will ever experience because new monetary systems are introduced 30 to 40 years so that we never see the end result of the inflation game- that is people losing everything overnight.

Think of the Euro which came into existence in the late 1990’s.  Every country in western Europe had their own currency and then suddenly they didn’t.  But they didn’t lose all value over night.  Currencies were revalued to a central peg.  It’s no different than other times in history.

What’s next for the dollar?  Will it remain the top global currency?  I’m guessing it won’t.  The Roman Empire slowly crumbled over centuries until the barbarians destroyed it once and for all.  Nothing lasts forever.  Not even a Whole Life policy… joking here but Whole Life policies do endow at age 121 so they aren't engineered in perpetuity.

My prediction is that the dollar will be revalued by a global bank and made part of basket of currencies.   I can’t predict when and I think it’s a fruitless exercise anyway.

Remember, the dollar was originally pegged to gold.  It was actually a receipt for gold held in the bank, hence bank note and a note is an IOU.  Think about the mortgage note you signed to buy or refinance your house.  They call it a note for a reason.  It’s an IOU.  Now pull out a dollar from your wallet and look at the top.  What does it say?  Federal Reserve Note…  IOUs issued by a private bank (the Federal Reserve isn’t actually Federal and it has no reserves) backed by tax paying citizens…

As stated previously, FDR took away the gold standard domestically.  40 years later Nixon took away the gold standard internationally in the 1970s.  What I’m saying is that all this has happened before and it will happen again.  No American has lost everything over night due to a monetary change.  

We will be okay.  I’m very confident of that so it's important we continue to save money and plan for our futures.  Always mindful about inflation, central bank manipulations, but never burying all assets in the backyard.  There's no need for that extreme.  If you're concerned I like the idea of 5-10% in precious metals.  The rest should be earning interest and producing cash flow which your IBC designed whole life policies will help you accomplish.

Also, our IBC designed whole life policies will be okay, too.

To understand why is to know how the Paid Up Addition’s rider increases both the cash value and death benefit simultaneously.   This rider is what makes Infinite Banking designed whole life policies unique.

Instead of slowly accumulating cash value like traditional whole life policies, IBC policies build cash value from day one.  This rider also efficiently increases the permanent death benefit.  

The end result is that IBC whole life policies are able to keep up with inflation over time compared to other types of policies that have little to no cash values and death benefits that stay level.  The people who own those types of policies see them ravaged by inflation with each passing decade.  That won't be you when you implement Infinite Banking.

If you have more financial questions I can help answer, please let me know.  You can always find me here:

Thank you,

John Montoya

Thursday, April 9, 2020

IBC Mailbag: traditional advice, policy loans, hyperinflation

I get a lot of questions about Infinite Banking.  For this post I'm sharing a recent email I responded to from a potential client.  Names have been removed.

Hi ----,

Thank you for your questions.  Definitely a lot of craziness going on.  The life insurance industry is not immune either.  Some age groups are being excluded (over 70) temporarily, scheduling exams is a very tall order, and doctors offices seem to be overwhelmed so getting medical records to underwriters is super slow. 

It doesn’t surprise me your traditional financial advisor is skeptical.  

They’ve been trained and conditioned to think, recommend, and implement Wall Street based portfolio plans.  Life insurance is mostly an afterthought to traditional advisors because they operate on a Wall Street revenue model.

Sadly, Infinite Banking is unknown to the majority of life agents because the life insurance industry doesn't teach this strategy.   Life insurance industry trains agents to sell policies for maximum death benefit protection.  So it’s the proverbial “can’t see the forest thru the trees” for traditional Wall Street advisors and life only agents which is why working with an authorized IBC advisor is the best way to learn and implement the strategy.  Authorized being the key word there.  (The Nelson Nash Institute is where you can go to confirm your advisors status.)

Infinite Banking isn’t even about the death benefit.  It’s not even about having a Whole Life policy.  The Whole Life policy is just the best vehicle for the strategy.  If it wasn’t we’d be using and recommending bank line of credits, mutual funds, and 401ks/IRAs instead.  But none of those options give us control over our money safely and efficiently (…and even tax-free) all in one place.  IBC is about freedom over our money—taking control back from banks and Wall Street.  Traditional advisors (Banks/Wall Street) want that control outsourced to them so IBC is naturally a paradigm shift from mainstream financial planning. Traditional advisors also don’t practice IBC so seeking advice from them is like going to a foot doctor for a chest pain.

I’d be happy to show you options for retirement income using the strategy.  We can do a virtual appointment and I’ll record it so you can share with your wife.  Schedule here:

Regarding loans, there’s more to it than the loan rate...

Loans are simple interest and calculated at the end of your policy year.  Currently, most carriers loan rates are 5% which is fixed for 1 year at a time.  Historically, policy loan rates have been between 5-7% because the borrowing rate is based upon a cost of money index used for the largest AAA rated companies in the world.  Essentially, policyowners get to borrow at rates available to blue chip corporations.  The 5% rate hasn’t budged in 13 years and when they have adjusted up or down, it’s a slow movement.  Life insurance companies tie the borrowing rate to this type of corporate money index because it also happens to be where 90% of their investment portfolio resides. 

So when I request a loan from my policy, they are more or less approximating the same interest return on their investments as they will now eventually receive on the policy loan I take.  Also, keep in mind all the policy loan interest is revenue for the life insurance company.  Since these companies are mutual based (owned by policyowners), this revenue from policy loan interest ends up as part of the surplus profit of the life insurance company and what happens to surplus profit?  It gets returned to policyowners (you and me, not shareholders on Wall Street like with stock based life insurance companies) as a dividend compounding our cash value and death benefit further.

FYI, there are policies that offer a fixed rate policy loan but fixed rates are generally 7.5 to 8%.  My oldest IBC policies are fixed at 7.45%.  I rarely use the cash values in these policies because my other policies are at 5%.  My family (me, my wife and 3 kids) have a total of 11 policies so we have a pretty substantial pool of money that’s always growing and under our control with access at various rates.  I tell people if they are really practicing IBC properly, they will have more than 1 IBC designed Whole Life policy and when that happens you can diversify with policies that have slightly different options depending on what you’d like, including different borrowing rate options.

Another key aspect with policy loans is that because interest isn’t calculated until the end of the policy year, each loan repayment I make goes towards reducing the loan balance dollar for dollar i.e. 100% volume interest.   Super consumer friendly.

This doesn’t happen with a bank loan.   Banks collect a portion of interest from your payment first, then the difference is applied to the outstanding balance.  This effectively delays debt repayment… and don’t forget, all banks are also charging compounding interest while they delay the debt repayment.  Think of a mortgage payment.  How much of a mortgage payment is interest first?  The majority of it.  Car loans, credit cards… same story.  Not with a life insurance policy loan.  Every cent of the loan re-payment directly reduces the policy loan balance.  Policyowners come first.

So nominally you might be charged 5% but your effective interest is lower because you reduce the loan balance dollar for dollar.  Your effective loan rate (percentage of %)is actually lower 

You also determine the loan repayment schedule.   You are the banker.  

Meanwhile the underlying asset (the cash values and eventually the death benefit) securing each policy loan are compounding in value while the money is used elsewhere for any purpose:  pay down debt, invest in other assets, pay taxes, or even for retirement.  😊 

Nothing like it anywhere else. 

With regards to your concern about hyperinflation

Please see visit the Recommended Books page on my website:

There you will find the book How Privatized Banking Really Works by Robert Murphy, PhD and Carlos Lara.  It's free to download.  Just click on the image.  On page 340 of the book, they will answer your question about what to do with IBC whole life policies in event of hyperinflation.  The entire book is phenomenal.  You have to get to the end of the book to get to their take on IBC but it’s well worth it.  I have this book available on my website for free to download but I’m including it here in this email.  The arguments are all laid out.  There are other great books on my website with links to purchase, too.  The Pirates of Manhattan is another great book that comes to mind which was thoroughly enlightening, too.  The amount of documentation supporting that book in particular against banks and Wall Street is overwhelming and cannot be refuted.

Hope this email helps answer questions you have about IBC.  Let’s keep in the conversation going.  The more you know, the easier it is to make decisions you and your family can benefit from.

Thank you,


Monday, April 6, 2020

Breaking Bad: One Decision That Could Have Saved Walter White from Becoming Heisenberg

So this coronavirus has given us all a chance to spend more time with our immediate family and, of course, binge even harder on our favorite TV shows.

I know I couldn't resist the opportunity to re-visit the downfall of Walter White and Jesse Pinkman on one of my all-time favorite shows: Breaking Bad.  I just finished watching the last episode of season 2 last night.  This show is about as perfect as a TV show can get.

There's just one thing that bothers me though.  Walter White never would have had to go all "Breaking Bad" into his alter ego Heisenberg if he had just done one simple and easy thing.

If you've watched the show, you know Walt is absolutely brilliant but his immense intellect and talents are relegated to teaching high school chemistry while all his peers have gone on to makes millions and/or earn industry accolades.  At one point, near the end of the show's run, his brother-in-law Hank calls Walt the dumbest, smartest person he's ever met.  That pretty much nails it for me, too.

You see, Walt had a choice up until he was diagnosed with lung cancer that could have altered his legacy for the good.  This one choice would have saved so many lives and heartache.  It wasn't just Walt's family that suffered from Walt's decision to build a meth empire.  There's Jane, Jesse's girlfriend, who choked on her own vomit as Walt watched her die and did nothing, the 167 passengers on flight 737 who also would still be alive, and this is just from the most recent episode I watched.  Talk about collateral damage.  The list of casualties can and does go on and on.

All of this happened for one reason.

Walt had one goal when he learned that he had advanced stage lung cancer.  He wanted to make enough money somehow so that his family would be taken care of after he was gone.  Financial security would be his legacy and gift to his family.

And he could have done it simply and legally.

Can you guess where I'm going with this?

This makes me think I need to get in touch with every teacher out to ask one specific question:

Do you have enough life insurance??? 

Seriously, that's all it would have taken for Walt to be at peace with his legacy and to save countless lives he irrevocably harmed.  

Of course, there would be no Breaking Bad to binge watch and enjoy.  Heck, the show would have been as boring as... the life insurance policy Walt would have owned on his life.

And if Walt had been overfunding a cash value life insurance policy like the Infinite Banking designed Whole Life plans I recommend for my clients, he could have had access to his cash values to pay for the best doctors and treatment without resorting to running behind his wife's back to cook meth in the desert with Jesse.

Most policies these days even have Accelerated Benefit Riders that give access to the death benefit while still alive.

The point I'm making is this, Walter White was definitely smarter than the average joe but when it came to protecting his family and leaving a legacy, he was as dumb as it gets.   

Please do yourself and your family a huge favor.

Lock in your insurability while you are still young and healthy with at least a convertible term policy.  This way you'll never have to... break bad.

If you need help determining how much life insurance you should own, contact me here:


John Montoya

Sunday, April 5, 2020

3 Rules To Becoming Financially Independent

If you have read Rich Dad Poor Dad by Robert Kiyosaki, he describes 3 basic financial principles to building wealth.  These rules are so simple to follow and understand that anyone can do them.

Here they are:

  1. Pay yourself first
  2. Know the difference between assets and liabilities
  3. It’s not what you earn, it's what you keep.

These 3 principles apply to life insurance if you have the right type.  

Regarding term insurance, it’s touted by “experts” as the least expensive life insurance option.  This is only true on day 1.  Every day after day 1, the true cost of term rises from there because you have ongoing premiums and according to studies, 99% of term buyers out live the term period.  You are effectively putting more money into a neverending hole never to see again.  

After the fixed term period, in order to maintain the coverage of the policy, the premium rises annually and exponentially.  You've undoubtably seen this if you've reached the end of your term policy (or will when you do!).  Term becomes more cost prohibitive every year and this is the main reason why people end up letting the term policy lapse. 

Problem is the majority of people buy term policies and don’t realize they are buying a liability (they pay premium only to end up with nothing to show for it).  With Infinite Banking designed whole life policies, all 3 principles of Rich Dad Poor Dad are adhered to. 

Wealthy people buy assets!

IBC Whole Life is a forced savings with flexible premium riders that create high early cash values, it’s a growing asset with no market correlation so it grows by a larger amount every year, and the cash values are tax-free every day whether you use it or not (no 10% penalties either like with a 401k/IRA if you are younger than 59.5).  

By the way, with Whole Life policies the premiums are contractually guaranteed to never increase on you.  Not so with term policies as discussed above.

Nothing wrong with term policies if you are on a strict budget and need protection with you family.  By all means, get the coverage!  

That said, if you are buying a term policy and plan to convert to Whole Life later, my recommendation is to be sure:

  1.  you are buying a term policy from a mutual based life insurance conpany (owned by policy holders not shareholders) 
  2. and the term policy is convertible to Whole Life and ideally, an IBC designed Whole Life policy.  Not all mutual companies have IBC friendly Whole Life products.  For example, State Farm is a mutual company but they don't have an IBC friendly Whole Life policy.

I own multiple Whole Life policies on my life and I also have a 10 year convertible term policy with $2 million in death benefit waiting for when I'm ready to start my next IBC designed Whole Life policy.  I refer to this strategy as "IBC Future Planning".  I'll wrote a future post about it so stay tuned.

If you have questions about getting started with Infinite Banking and would like to learn more, please contact me here:

Thank you,

John Montoya

Sunday, March 29, 2020

Infinite Banking for your Kids

How would you like to help prepare and secure your child’s financial future for all stages of their life including college and all the milestone that follow? 

Not ever having to worry about whether your child will be beholden to banks for massive student loans, crippling credit card debt, or any other type of bank debt?

Instead you could give your child the ultimate financial gift. 

Put them in driver’s seat so they can re-write the financial rules to escape the bank-controlled money system that plagues families from one generation to the next.

It’s the so-called “Rat Race” for a reason. 

But it doesn’t have to be your child’s financial destiny. 

The truth is our kids are destined to follow the same financial path we do. 

If you borrow money from a bank from one car purchase to the next, finance your home from mortgage to the next, contribute to a 401k plan praying the stock market can consistently perform so you can finally retire (March 2020 has seen the market crash 25% because of the Covid19 crisis!), I’m going to tell you something that deep down you probably already know. 

You’re saving money in the wrong place! 

Worse yet, your kids will adopt the same or similar money habits from you when they become adults.
Undoubtably, you're a proud parent who wants the best for your kids.  Why pass on a lifetime of financial insecurity?

The challenge Middle Class America has is not knowing what we can do differently for our kids instead of the traditional options… like bank savings accounts and 529 Accounts.  These savings options are mediocre at best.

The big question is: how can you give your child the best head start in life so they can avoid repeating the same financial plunders you've made?  Yes, you!  We all have to own our mistakes in life so let's keep it real.

What I’m going to share with you will help you give your child access to a tax-free reservoir of wealth they can use over and over and over again…at any point in life! 

Not only can it help pay for college but for ALL THE MILESTONES in their life. 

From buying their first car, their first home, start or buy a business, the opportunities they'll be able to take advantage of our unlimited.  

And it will even be there to providing TAX-FREE income in retirement.

It’s been called “the Swiss Army Knife of Financial Planning” because of all its uses. 

I’ve even heard the Infinite Banking Concept® referred to as “the black box secret for the ultra-wealthy” because affluent families use it TO HAVE ACCESS to cash reserves WHENEVER NEEDED and FOR ANY PURPOSE.  Plus money kept in these accounts allow families to transfer wealth from one generation to the next.

It's the ultimate wealth building secret

And for kids, the power of time and uninterrupted compounding growth is the perfect recipe to help them navigate their entire financial life. 

I call it the “Junior Estate Builder” and this plan is so simple you’ll be surprised to learn it’s worked for over 150+ years secured by the safest financial industry in the world.

It’s where I put my kid’s savings because I know it will be there for every big event in their life and I invite you to do the same for your children.

In the next few minutes I’m going to share how you can give your child the best financial tool to navigate their life. 
This simple, proven financial strategy is so flexible it can be used for any purpose no questions asked. 

Imagine your child having a place to grow wealth without ever experiencing market losses and economic downturns, political uncertainty and social upheaval, or any global event that cut an asset in half without warning.  

With the Junior Estate Builder, every year is a good year

I know it sounds too good to be true but it does exist and it's even written into the IRS tax code.  It just happens to have the worse name ever which is why I choose to call it the "Junior Estate Builder".

With this strategy, your child will no longer be beholden to banks for loans.  No more worrying about getting dinged on their FICO scores, and having to verify income or employment will be a thing of the past.

I can tell you it’s such a peaceful existence to never having to deal with bank loans, high interest rates, and onerous fees. 

Then consider what your child will do for retirement.  401k plans were never meant to be the primary source for income in retirement.  They are fundamentally flawed plans.  Think about it.

Money in a 401k plan is tied up for decades.  Early access is penalized and taxed.  

The only option for growth comes with risky and complicated market-based options with many hidden fees.  In truth, these plans serve Wall Street and the government better than they will for your child. 

Wall Street locks in the revenue for decades with no performance guarantees in return, then the IRS takes a sizeable portion in taxes every year for life. 

Is this really a good plan?  Is it really the best you can do?

It only seems that way if it's all you know!

Well, most parents only know about 529 Accounts too, and like 401k plans, these are severely flawed as well.  

529 Accounts put money at risk like 401k plans, can be used for only college expenses, and once spent will never provide any additional value or benefit to your child... EVER!  

In short, 529 Accounts are a risky, single purpose strategy with no additional value past college. 

The greatest benefit to the Junior Estate Builder is how it can be used to help pay for college, but more importantly, it can be used as a private banking system to accumulate long-term wealth during your child's life.

Imagine a multi-use strategy where your kids can re-use the money over and over again to acquire assets like real estate, or start a business, or perhaps buy an existing business so they can be their own boss.

They can also use the money you save for them to finance all the cars they'll ever own, maybe even put their own kids (your grandkids!) thru college...

Ultimately, it will even provide tax-free income in retirement.

Remember when I mentioned that the Junior Estate Builder is the “Swiss Army Knife” of financial planning?  This is a versatile, flexible, and predictable money system unlike the traditional bank and Wall Street system that holds you captive with your own money.

The sad truth is that traditional financial planning amounts to life-long financial servitude to banks and Wall Street because those institutions control your largest assets.  Congress writes the laws and changes the rules all the time.

Does it make sense to be penalized for early access and eventually get taxed on every dollar withdrawn in 401k/IRA accounts?  These plans are designed more for our government's benefit (great source of annual revenue) and the average American accepts it blindly because “it’s what everybody does!”

And this bank/Wall Street monopolized money system keeps you from discovering the truth about this strategy which hides in plain sight waiting for you to discover it.

It's the secret traditional banks and Wall Street hope you never learn about.

And keeping you in the dark is the best way to ensure your child will learn the same money habits you have now which keep you and your kids tied to banks and Wall Street in perpuity.

This is the financial destiny your child will inherit from you but the strategy sessions I offer will help you and your child change the course of your financial future by getting your child started on a path that puts them in the financial driver’s seat during their lifetime.

As a parent I know you have the best intentions  

I have no doubt your intentions for your child are no different than my parents had for me.
They did what they thought was best for me as a child and most families still do something similar.

For me, it was one those passport savings account books that are now a relic of the past, especially with interest rates at 0% these days! 

Back when I was growing up interest rates were much higher than they are now, so it was pretty cool to see the money my savings account grow at 6-8% each year during the 80’s. 

My parents were dutiful savers and thankfully that discipline certainly rubbed off on me.

Problem is despite my parents work ethic and discipline to save as much as they could for me, they chose accounts that conditioned me at an early age to think of banks as trusted institutions.

The de facto place to always save money.  How was I to ever learn otherwise?  I have a feeling you can relate.

Unfortunately, I had no Rich Dad or wealthy uncle to help me learn about money.
For this reason I went to work in the financial services industry after college.  Fast forward 21 years and I’ve tried just about every financial vehicle that exists. 

And of the places I’ve put money, there has only been one strategy and asset class that has worked like clockwork each year.  

This strategy has given me access to money tax-free to deal with financial curve balls as well as financial opportunities (the ability to purchase multiple homes, rental properties, an apartment complex, precious metals, you name it), and do so without ever interrupting the foundational portion of my net worth.  

I stopped contributing after-tax money to mutual funds that left me susceptible to tax consequences each year, including years when I lost money in the market. 

No more maxing out my 401k’s/IRA’s where I was putting my money in financial prison for 3 to 4 decades. 

I even stopped directing money to my kids 529 Accounts.

The more I realized how beneficial this strategy was for me, the more I thought how I should be setting up my kids with the same strategy for when they come of age.

The traditional advice of using 529 Accounts just didn’t make much sense compared to the alternative I had discovered for myself back in 2007.

What really drove home the point for me was my experience as an advisor and seeing 529 College Savings Accounts take massive hits when the market corrected from 2007 to 2009.

It wasn’t just 401k retirement plans that suffered during the last big recession, kids with their 529 accounts, especially those about to go off to college suffered as well.  We are witnessing it now again with the Covid-19 pandemic.

My experience as an advisor also helped me learn the other downside to 529 Accounts which is that not every child goes on to college. 

Money in 529 accounts are taxed and penalized on the earnings if not used for educational purposes.  No such rules or restrictions on a Junior Estate Builder plan.

This was the icing on the cake for me.  No 529 Accounts.  Instead I would set my kids up what I now call the Junior Estate Builder.

I’d give my kids the freedom of choice and direction in life without ever being hamstrung by banks, Wall Street, or even Congress. 

The truth about money is this:

The only fix is taking matters into your hands  

You cannot continue to rely on banks, Wall Street and Congress created plans to create the future you desire.

You have to OWN AND CONTROL your future and you have to teach your kids how to OWN AND CONTROL their future as well.

The Junior Estate Builder gives you the ownership and control with your own “privatized banking system” and it's actually quite simple.

Through the use private dividend-paying Whole Life contracts structured for maximum cash values, I create and OWN the pool of money I use to finance my cars, homes, make investments, pay my taxes… and yes, even to supplement my future income in retirement TAX-FREE.   

All of it is accomplished without ever needing to finance (borrow money from a bank having to agree to their terms), relying on Wall Street roller coaster, or lock up money in lobster traps (401k/IRAs) Congress creates to capture tax revenue each year when I retire until the day I day.

Everything it does for me, it will also do for my kids who each have their own contracts.

Quite simply, the Junior Estate Builder will do for my kids more than any 529 Account could ever do AND do better than any 401k plan could do.

The freedom of this strategy is going to teach them how to be financially independent from banks and Wall Street so they can live the life they aspire to without the financial obstacles that handcuff Middle Class America.

Most importantly, with the power of compounding interest and youth, my kids and yours will have the benefit of time to make even small amounts today go an extraordinaryly long way tomorrow!

Each of my 3 kids have their own Junior Estate Builder.  It’s where I direct their savings and each year their accounts grow larger and larger, just like the adult versions I have for myself and my wife where between the two of us, we have 8 properly designed IBC® Whole Life contracts and counting.  Including my kids contracts, our family has 11 Infinite Banking designed Whole Life policies we direct money to each year.

Think of that for a moment.

Instead letting banks and Wall Street controlling our wealth, my family has total control of a growing pool of money every single year that we can use for any purpose.  

Two simple reasons why this works so well:

1. These are private placed contracts backed by mutually owned (shares are not traded publicly) life insurance institutions that have paid dividends for 150+ years consecutively, even thru the Great Depression. 

2.  These plans are an uncorrelated asset class meaning it has no connection whatsoever to the stock market so will never suffer a market drop.

In fact, unlike Wall Street,  these financial institutions put their own skin in the game by guaranteeing a minimum amount of growth each year no matter what happens in the economy. 

I have the ultimate peace of mind knowing the money I put away from my kids will always be there for them.

I especially love that my kids' financial plan is now all-inclusive for any direction they choose to go as adults. 

Imagine the financial freedom you could be giving your kids where they have the resources to own cars, buy a house, start or invest in a business without the need to ask a bank for financial assistance. 

Attending college is an important milestone but as a parent I really believe we need to look beyond transitioning our kids from high school to college. 

Let’s face it, these days it gets harder and harder to get ahead. 

One thing that often goes overlooked is that the better prepared our kids are to transition to adulthood, the less likely we will have to support them financially in their 20’s, even their 30’s.

You’ve probably heard college graduates are returning to live their parents more than ever these days.
Marriage, having kids, and buying their first homes are being delayed later and later these days.

The number one reason is because they don’t have the financial resources to step out on their own.   

And the results have been proven to work over and over and over again.

So you may be wondering, if this is so great, why haven’t I heard of the Junior Estate Builder?

Now in the financial services business you probably realize Wall Street and Banks will do anything to manage your money. 

They’ve monopolized  401k plans and 529 Accounts to the point all financial recommendations narrowly focus only on stock market-based portfolios. 

For Middle Class America, these are the choices talked about.

That’s the biggest reason why the Junior Estate Builder is the best financial secret hiding in plain sight.

It’s not a Bank and Wall Street created product or service.  Quite simply, they can’t, don’t, or won’t recommend it because it directs money outside of their control!  Remember, it's a very specific type of dividend-paying Whole Life policy.  Furthermore, it has to be structured just right to avoid becoming taxable later in life.

By now you should know when money is locked into 401k/IRA plans, that money becomes tied up for life! 

When the need for money arises, where must a family turn if they are prohibited from accessing their own the largest asset they own?

Middle Class America is forced to borrow money from banks, of course!  They refinance their home if possible or rack up sizeable credit card debt that will take years to pay off.

It’s a system designed with purpose to keep you on that Bank/Wall Street treadmill.

And unless you do something different for your kids, this treadmill is all your kids will likely ever know!

But it doesn’t have to be.

You now have a choice to take action.

You can take the next steps to help your kids avoid the same financial pitfalls.

I’ve made getting started so simple and easy for my clients, that way your kids don’t have to be another financial statistic who don’t have a rainy day fund or have enough to retire on when they are adults. 

The best part? 

You will know down to the dollar and year, how your child’s plan will perform, you will finally have the missing piece that moves your child’s financial life forward from one milestone to the next because they will have access to money tax-free when and where they need it. 

To setup the Junior Estate Builder system correctly, you must be able to do 3 things:

1.  You have to be able to think long-term.  This is not a get rich quick scheme.
Remember, saving for college is one milestone but your child will have many more milestones ahead of them.  Give them the resources to prosper at every stage of their life.

2.  You have to have the financial discipline to save money consistently.  $100 a month is the minimum.  If your budget allows for more, you can add more.

3.  Put the plan on auto-pilot.  It won’t require any luck, skill, or guesswork on your part to be successful because the contract is has guarantees, flexibility, and access to cash whenever it's needed.

If you can do these 3 simple things, you will ensure your child the ability to take advantage of any opportunity life presents them. can continue doing what you’re currently doing for your kids hoping the plan works and in the case of 529 Accounts, hope it’s utilized for college. 

I have no doubt your kids will be grateful for any amount put away for their future. 

I know I was grateful for what my parents saved for me, but if you’re the type of parent that really wants to give your kids an edge financially, you owe it to your child to see how this plan can work for them.

Here is the next step to take:

Visit my calendar and request a strategy session here:

Thank you,

John Montoya