Build Wealth Smarter, Using the Bank’s Money

Premium financing allows high-net-worth individuals to fund large life insurance policies with minimal out-of-pocket costs preserving your capital, reducing taxes, and creating lifelong tax-free income for you and your heirs.

See How it Works

The Problem:

Taxes Are Your Biggest Retirement Expense

Most high-income earners are told to “max out” their qualified plans and pay taxes later. But for one client, that meant $2 million in future tax bills, just for following standard advice.

We showed our client why paying taxes later often means paying more, and how a smarter approach could keep more of his money working for him.

The Breakthrough:

Use the Bank’s Money, Not Just Yours

Instead of locking more cash into a taxable future, we applied a simple but powerful principle: leverage.
It’s the same logic as buying a property with a mortgage, but here, the “asset” is a tax-free life insurance plan designed for growth. The client invested $100k/year, and the bank added $300k/year, multiplying the impact without

multiplying our client's risk.

How It Works:

A Three-Way Win

This strategy only works when everyone wins:

Insurance Company – Receives large premiums, minimal risk.
Bank – Gets secure, collateralized capital and earns interest.
Client – Gains dramatically higher, tax-free retirement income.
By retirement, the bank is paid back — using the policy’s own growth — leaving the client with lifetime income and a fully paid policy.

The Results:

More Income, Bigger Legacy

Premium financing is used by ultra-high-net-worth families, family offices, and physicians earning $400K+ per year. Now, with our guidance and lending relationships, this strategy is available to qualified individuals looking to grow and protect more, with less effort and more control.