Build Tax-Free Wealth & Income by Changing Where Money Is Stored & How It Is Accessed.
The Three Primary Uses
The Investor's Banking System
Storing capital in a banking policy before and after every investment.
The Investor's Banking System
Your capital stored inside the policy never leaves. Liquidity is accessed through a policy loan, so your money works in two places at one time.
Every investor follows the same cash flow cycle: capital enters an investment, the investment generates a return, and that return either compounds back in or becomes cash. Adding BankLite is simple: store cash inside the policy as often as possible, then draw liquidity through a policy loan when the next deal arises.
Turn Expenses Into Assets
Storing cash for large expenses so the dollars keep compounding for life.
Turn Expenses Into Assets
Route large expenses through the policy and pay them with a policy loan, so those same dollars keep earning compound interest for life.
Scenario #1. $10,000 sits in a bank account, pays the expense, and is gone.
Scenario #2. The same $10,000 sits in BankLite. A policy loan pays the same expense, and the $10,000 is still there, still compounding for life.
Escape the Debt System
Move your debt out of the bank's system and into your own.
Escape the Debt System
Store your cash flow in the banking policy and use policy loans to pay down your traditional debt, sending each freed-up payment back into the policy.
From then on, every future loan is written by you, to you. You pay yourself back as the bank, so all of your cash flow keeps earning interest and building tax-free wealth and income for the rest of your life.
Ready to see Your Numbers?
Book a strategy call to see what a private banking strategy looks like for you.
Strategy Overview
How It Works
Funding & Structure
The strategy starts by defining which dollars go in: monthly savings, bank liquidity, business or investment cash flow, or repositioned assets. About 10% of every dollar buys a permanent tax-free death benefit, and under IRS guidelines the remaining 90% lands in a protected, savings-like account value that grows tax-free.
- The money grows and is accessible tax-free.
- Guaranteed protection against market loss, backed by the insurer.
- Over the last decade, it has averaged 8%.
The Good Employee
The policy loan is what makes the banking strategy possible. It typically charges around 4% to 5% per year while our dollars stay in the account earning 6% to 8% on average. The loan is like a good employee: it costs us less than it earns us, and money in the account value keeps earning interest even after loans are taken.
- Every dollar earns uninterrupted compound interest permanently.
- Policy loans can cover expenses, investments, or personal loans.
- Loans accumulated are deducted from the account value at death.
Outstanding loans are always covered by the policy's accumulated value and fully settled at death, and can never be a liability or debt to your beneficiaries.
Ready to see Your Numbers?
Book a strategy call to see what a private banking strategy looks like for you.