Creating a safe investment for your money these days is often the challenge for many and the where to put it is the big question? So what can you do to help safe-guard your money from financial fluctuations in the market. Today’s sporadic behavior the stock market leads many of us thinking of a “better means” of investment opportunity. Although Infinite Banking is more or less a way to use life insurance as a safe financial vehicle, it provides many other benefits to those who use it. People who think of life insurance see it strictly as a way to protect one against catastrophic events in the future. It not only protects families against family loss, but it can be used as a way to help them protect their assets. By maximizing the cash-value of the life insurance policy clients can build a plan that can be utilized for future lending/borrowing. Although there is a period (usually 5 years) where the client must pay the premium on their policy, at some point the interest from the cash value will be greater than the policy premium. At that point the client has leveraged the use of their bank. Other uses for Infinite Banking other than financing are retirement, college funding, investing, and more.

Getting the right information is just around the corner. The specialists at QMS Financial are there to help you for all your insurance and financial needs. Get the right information today by emailing us at info@qmsfinancial.com

Have you ever been held back by the banks? Do you come across financing troubles? Don’t wait no more, learn how to invest in yourself…invest in your own bank! That’s right! With Infinite Banking you are able to develop a foundation that helps protect your money and keeps it safe from fluctuating markets. At the same time you can utilize your “personal bank” to borrow from for college, investing, a car, remodeling and more! In addition, the bank is funded through a whole life insurance policy so you know that you are covered as well. QMS Financial helps individuals develop financial leverage and solvency. Their experience can help you develop a strategy that is conducive to your financial growth! They are definitely the real deal, so don’t wait to get more info! Contact QMS Financial at 720-887-4000 to start your path to financial solvency!

Infinite Banking is a proven financial strategy that allows individuals and businesses alike to “Become their own Banker” by stocking money into a life insurance policy. A big plus for those who want to “Be the Banker” is that it is a new way to borrow. Essentially you, the policy holder, can utilize the benefits of the life insurance policy by borrowing out from your cash value and paying yourself back the base and interest. Not only can this work in all areas of your life and more, but your are protected with a life insurance policy. The great thing about “Becoming Your Own Banker” is that when you borrow from yourself, you determine the interest rate and monthly payment. How nice is that? Even though it does take a little bit of invested time to build up your bank, the benefits far outweigh the costs. For anyone looking to structure the benefits of life insurance and Infinite Banking into their life to create financial solvency, we highly suggest you do so. Our expertise not only provides you options, but it gives you certainty that your financial decision is backed up. For more information on the Infinite Banking Concept, please give us a call at 720-887-4000. Thanks for your time!

-QMS Financial

There are many ways to use the Infinite Banking Concept. As it’s name implies, the uses are infinite. Usually, we are talking about how it can be used on a personal level, such as paying down your debt and repaying yourself, paying for college, and ultimately saving for your retirement.

However, have you ever thought about how this amazing strategy could be used for your business? Here are a few:

1. Protect your business against the loss of a Key Employee while keeping your company liquid and flexible. (Key-Person)
2. Protect your business against the death or disability of an owner while keeping your company liquid and flexible (Buy-Sell)
3. Deferred Compensation for key employees and owners without restrictive government rules.
4. Equipment Leasing
5. Providing financing for future purchasers of your business
6. Great flexibility when the economy is touch

Basically, what all that means is that you can ultimately finance your own business! Right now, banks are very tight in their lending. Money is tight, and most retirement funds are down significantly, up to 50%. The Government also is increasing regulations and mandates on businesses. How in the world can a business grow with all of these walls put up around them?

To grow your business, you need to be able to purchase inventory, equipment or marketing. If your cash flow is tight, you could go to your bank to get a loan. There, you will have to jump through a lot of hoops to get considered for anything. These hoops include:

• Filing the application
• Explaining the use for the money
• Giving them financial statements
• Showing the ability to repay
• Providing at least 2 years of tax returns
• Having your credit checked
• Providing a business plan
• Possibly putting up collateral
• Usually providing a personal guarantee

So who really owns your company after all this; you, or the bank? Traditional financing is failing and that can cost you thousands of dollars in unnecessary expenses in interest paid to others, taxes and liability exposure.

What if you were in control of your own financing? Hundreds of business owners have discovered an entirely different way to finance their companies and you can too! The Infinite Banking Concept allows you to:

• Have access to capital without having to apply or show financials
• Receive loans without a credit check
• Reduce your taxes
• Protect your assets from vendors, creditors and judgments
• Have an advantage over your competitors due to flexibility of your loans that you own, not the bank. In other words, if cash flow gets tight, you can refinance your loans, or put the repayment on hold. Your traditional banker cannot offer that without them making you jump through more hoops or take your collateral away.

Sound to good to be true? Not a chance. Check out how the Infinite Banking Concept can work for you today.

Introduction

In many cases, we often find ourselves working to just get by. The thing that many of us don’t understand is the idea of opportunity cost. Yes, you might have an idea, but more than likely you don’t because a majority of individuals forgo things everyday. That my friends is an opportunity cost! When we choose to pay cash or pay interest for something, let’s say a credit card, we are giving up interest to as an opportunity cost. Did you know that the average individual spends about 34.5% of their income to pay interest? That is a substantial amount wouldn’t you say?

Let’s bring in the Infinite Banking Concept. Ms. Trista Winnie explains it very well in this article. Just remember as you are reading this, “What could I be spending that 34.5% on if it were not interest?

Here is the article you have all been waiting for…

“You probably don’t sit around calculating how much interest you pay to banks and other lenders each year, but chances are you have financed large purchases, such as homes, education, cars and major appliances.

The interest paid on these items can add up to hundreds of thousands of dollars, perhaps more, in the course of a lifetime. People often have to decide how much money to allocate for their retirement and how much to paying down current debt.

But what if it were possible for people to save for retirement in a vehicle that allowed them to finance their life in a way that provided advantages over borrowing from a bank or lender?

That is exactly what R. Nelson Nash had in mind when he pioneered the Infinite Banking Concept. In essence, Infinite Banking, and other similar systems adapted from Nash’s original idea, involves paying into a whole life insurance policy with an insurance company that allows policy holders to take loans collateralized on their individual policies.

How the Infinite Banking Concept Works

Infinite Banking and other individualized banking systems rely on participating whole life insurance policies, which build up equity and pay dividends. Policy holders pay premiums—which vary based on the amount of the death benefit chosen, along with other factors, such as the age and health of the policy holder—into a whole life insurance policy for a period of five to seven years and let the policy increase in value. This is known as the capitalization phase.

“Generally, we try to fund most of the money into it in the first five years,” Tom McDermott, president of Asset Protectors & Advisors Group, said. “The longer you can allow it to accumulate, obviously, the more you can pull out for retirement savings, the more you can pull out for larger items.”

After the capitalization phase, the policy becomes self-supporting; the returns on the policy at that point will be enough to cover the premiums. The annual dividends are based on how well the insurance company did that year. Insurance companies must invest the premiums received “in order to produce the benefits that are promised,” Nash wrote.

Through the use of a paid-up additions rider, policy holders benefit from having their dividends reinvested into their policy, thus increasing the value of their policy and subsequent death benefit.

Policy holders are able to borrow up to 100 percent of the cash value of their whole life policy at any time with no tax penalties. A policy holder “outranks every potential borrower in access to the money that must be lent,” Nash wrote.

With this structure in place, policy holders are able to essentially act as their own personal bankers. They can loan themselves money from their own life insurance policies, and the interest payments go back to their own accounts.

People who participate in individualized banking are able to borrow money from—and repay—themselves when financing major purchases, rather than relying on and paying interest to banks and other outside lenders.

“Your average American family is not saving money…at the same time, they’re spending approximately 34.5 cents on every dollar in interest to finance their lifestyle through banks and different finance companies,” David Kane, president of the benefits division at York International, said.

By depositing cash into a life insurance policy rather than using it for a major purchase, investors retain the ability to earn interest on that cash. Further, by borrowing from their own life insurance policy, they avoid having to spend that 34.5 cents per dollar on outside financing, and can instead pay that to their own policy.

The borrowed money can be used to finance any purchase, whether or not a lender would typically grant a loan for it. The policy holder, as banker, gets to set the loan requirements.

“You are totally and completely independent from all other sources of financing,” Rebecca Rice, owner of Rebecca Rice & Associates, said. “You have control of your own banking system and you’re able to control the amount of money that goes into your bank.”

Policy holders must make sure that they pay back any loans they take out. If they don’t, the system of growing the policy’s value will fail.

People who follow through on utilizing the insurance policy as a bank are able to supercharge the returns guaranteed by the policy while financing things they would have financed anyway. The difference is that all the interest payments go back to the policy, not to a bank or other lender.

“The Infinite Bank is really like a complete financial system. It will provide money for your lifestyle, for your retirement and for your heirs,” Kane said. “It works well in all phases of wealth.”

The Advantages

Perhaps the most obvious advantage of the Infinite Banking Concept is that it offers life insurance coverage—something most people need anyway. Life insurance is a low risk investment; there are guaranteed returns, and life insurance companies are noted for their longevity.

There are also tax benefits. “In a properly structured life insurance program, if you borrow the money out of the policy, the proceeds are tax free,” McDermott said. “As long as you don’t lapse the policy, no taxes are due. When the death benefit is paid, it is paid income tax free, minus the withdrawals. We structure these programs so that the income stream is tax free through age 100 and the policy has a no lapse provision in it so as not to generate a taxable event.”

In addition to providing capital for borrowing, policies can also provide a stream of retirement income for policy holders. There are no age limits on policy withdrawals.

“This is the front of the wave for retirement planning,” McDermott said. “Setting up something like an Infinite Banking plan…allows you to save for retirement planning and [know] exactly what your tax exposure is going to be when you start pulling the money out. And if you pull it out correctly, you’re going to have zero tax exposure.”

Insurance policies are also safe from exposure to litigation and creditors. “Insurance policies are protected from…taxes, creditors, litigation, things like that,” Steve Sappington, co-founder and registered principal of TWM Group, LLC, said. “We have, for example, a lot of doctors who use this Infinite Banking Concept…because it shelters assets.”

In addition to being safe, individualized banking is flexible. Policy holders can borrow money and use it for purchases for which financing is usually hard to come by, such as foreign real estate. Policy holders can even become lenders themselves, borrowing money to lend it to other people in order to earn further interest.

People who use the Infinite Banking Concept can use their policy in a variety of ways without turning any money over to a bank or other lender at any time. “It’s really phenomenal,” Rice said.

The Disadvantages

Still, it is by no means a perfect system. It typically takes several years for policies to grow to the point that the returns equal the costs of the premium, and for there to be a significant enough value in the policy to warrant borrowing from it.

The initial stages of individualized banking are analogous to starting a small business; there are a few years where money is spent before any money comes in. In addition, policy holders must be dedicated to building up the value of their policies.

“Just plan on really funding that policy well for seven years, then you’re going to be able to do some really nice things as a result from that,” Sappington said. He compared the initial stages to a jet taking off. A jet uses a lot of fuel to take off but becomes much more efficient after the initial surge of fuel use.

In addition to building up their policies, policy holders must be dedicated to paying back loans, though there is certainly more flexibility involved, since policy holders are paying themselves back. If unforeseen circumstances arise, policy holders can change their repayment schedule as necessary, rather than worrying about foreclosure, repossession or damaged credit. However, failing to pay back loans will diminish the effectiveness and efficiency of the system.

People who want to use the Infinite Banking Concept will need someone familiar with it to help them set it up, and not all insurance brokers are aware of the system.

Those interested in Infinite Banking will need to do research to make informed decisions. Fees, commissions and the percentage of the premium that goes toward building the account’s value vary by company, and there are many ways to structure whole life policies. ”

At this point QMS Financial would like to thank Trista Winnie for her insight into the Infinite Banking Concept. For more information on Trista, please visit her blog.

Even with a few great years in the stock market, losses destroy our retirement plans and leave us short of our financial goals and the reason is SIMPLE. When we invest in the stock market, what we are actually doing is investing in products such as stocks, bonds, mutual funds, and even real estate. The values of these products are all tied to MARKETS THAT WE HAVE NO CONTROL OVER! We can do endless research on a company or investment and in the end an outside influence such as an earthquake, terrorist attack, or even bad economic numbers can affect the value of that product and we can do absolutely nothing about it. Is it any wonder that we feel we are doing all of the right things but still are not getting ahead?

At QMS Financial, we take pride in the fact that none of our clients have ever lost a penny when stock markets tumble. In fact, their plans still increase in value. That is because we not only teach our clients how money works, we teach our clients the rules of the money game and show them how to play and win the game without ever entering the market. We teach sound financial strategies that empower our clients to take control of their financial future once and for all. Furthermore, check out the table below. Would you want to put your money in something as volatile as that?

So at this point you might be wondering what is next? Well as a company, we are all about helping others. That is why we want to offer you a free 90 minute cash-flow session. Yep, it is free ladies and gentleman! This session will tell you where you are today, the consequences of your financial decisions (good and bad), and when your debt-freedom day is. How sweet is that? Anyway, we hope you take up this offer because it doesn’t happen often.

Have any of you heard the term, “Bank on Yourself”? What does it reference to? Well it is another way to say Infinite Banking, but the term does come with a little definition of its own. Well it is defined as “the ability to helps you grow and protect your financial future with a time-tested method that many consider to be one of the best ways to invest money.” What does that actually mean though? We all know insurance right? We either have it, or are probably wishing that we had it? It is important though, but not a necessity because we only need it during certain instances. Like insurance, we have banks. We use banks to hold our money deposit our funds, help us invest sometimes, but we only use it physically (deposit/withdraw) when we need it. See the similarity? Utilizing the Infinite Banking Concept, or what we referenced it as earlier, “Bank on Yourself”, is similar also. We only utilize, in most instances, when we need the money, but instead of going to your local bank to get the money, we are going to our “own” bank. How nice! And like insurance and your local bank, Infinite Banking requires you to invest habitually like you would with deposits into a savings account, or premiums to an insurance company, but with Infinite Banking, you are getting the best of both worlds! Pretty sweet huh?

Well now I want you to imagine something that you really want? This could be a vacation, a TV, or any number of things.

What if I told you that every day you are giving away a least 34% of your income. You might come back with something like, “How is that possible? I watch my expenses and keep a close eye on what I spend my money on. There is no way that I am losing that much of my money! Well I am here to tell you that you are. As consumers, we give up roughly 34.5% of to pay for what we have. This is best referred to as interest, or the cost we pay to borrow money. Now let me ask you this. How would decreasing your costs by 34% or so help you get what you want? Remember also, that the Infinite Banking Concept is utilized through a whole life insurance policy, so you are protected as well!

At this point you are probably digesting the thought of pay these extra costs. Maybe you have a stomach ache now, who knows? I’m sure it will go away, but the idea “Bank on Yourself” will not!

Imagine now not having to go to the bank to borrow money? Remember you are your own bank. You don’t have to worry about paying all that interest. More importantly, you get to keep the interest yourself. How nice!

So next time you make a purchase on credit, whatever that purchase may be, remember that if you were with Infinite Banking you would saving at least 34% of your income because you are not paying the financing cost of that money. Which leads us to this last question. Who’s tab are you on anyways?

Well the sky is not raining bankers, but how funny would that be?

You might be hearing all this talk about the Infinite Banking Concept, or maybe you haven’t? The question on whether you have heard about it is not the question at hand, but whether you have taken the time to invest in your own future? We are all aware of them; those tricks to wealth, or what many call them, “get quick rich schemes”, but what Infinite Banking teaches is fundamental. Some of the biggest investment decisions we make as individuals can range between college planning for your 5 your old daughter, or investment in your own retirement, either one you would consider important right? Well Infinite Banking, also know as “Becoming Your Own Banker, is similar in its principle teachings.

Infinite Banking has allowed many individuals to create financial solvency and in addition, plan for the future. Let’s break away from the topic of Infinite Banking and discuss the idea of “leverage.” What does it mean? Well simply put, it means to be able to get more with less. Leverage can come in the form of time management, financing, business, knowledge, and many more, but the idea of leveraging your abilities is very powerful. Not many people realize that they “leverage” everyday of their lives, but who’s counting right? Well we know that with leverage we are able to get more, but it’s just not as simple as putting 1 and 1 together, or is it? Well not to disappoint you, but it isn’t. Leveraging yourself in many aspects of life takes time and investment, but that is the beauty of it. We believe that when we are able to leverage our investment in our self that the result will be bigger the the initial investment put forth. Furthermore, investment now will not necessarily lead to the 1000% return tomorrow, but if done correctly, can bring success to us later in life.

Infinite Banking is one of those things that will take time and yes, investment, but weren’t we just discussing the idea of reaping the reward later for our investment now? In fact, some of the biggest investment decisions that we make can be leveraged with Infinite Banking. There it is again, “leverage”; the idea of getting more with less. Infinite Banking creates sound financial leverage which reaps the reward of financial solvency. Need to plan for retirement? Check! Need a college planning strategy? It does that as well! It can even allow you to finance your own car and believe me that we all know that most cars lose much of their value when you drive them off the lot. So why would you pay all cash for something that depreciates so rapidly? Well is it the lack of options? Maybe, but nowadays their is almost too many options. Is it the sheer decision that we just want to do things a certain way? That could be the answer as well, but I am not here to push you into making a decision that you do not want to do, I am here to tell you how Infinite Banking can be an option. Taking a risk is like pulling teeth, many people don’t enjoy it. They want security! Which by the way, ask 10 people what they think security means and you will get 10 different answers.

Anyway, there is a company called QMS Financial, maybe you have heard of them, maybe not. Which my next question would be, how did you find this post, but that is besides the point. QMS Financial hosts weekly seminars and if you are unable to check that out, they have webinars as well. Look at that, you don’t even have to leave your house, how nice! Like I mentioned, QMS Financial will not search you out through thick and thin to get you to one of their presentations. Someone who is looking for financial solvency will do the necessary means to find advice and that’s what this is, a means of reaching out to you! Well here we are about 650 words in and your probably thinking of when this will be over?

Well, I would like to thank you for taking the time to read this. QMS Financial is very proud of what they do and as we said, you have nothing to lose, no pressure. Oh and did we mention that by just being a fan of QMS Financial you can win big prizes each month. Yea you heard that right. You don’t have to do anything else, just like QMS Financial on Facebook and win anything from an iPad 2 to a trip to Vegas every month. Got gambling?

In the meantime take the time to invest in your future. Remember, creating success is a marathon not a sprint! Enjoy the rest of your day and we will look forward to corresponding with you about your investment to create financial leverage for the rest of your life very soon!

Register now for our Infinite Banking Seminar on July 25th. The presentation starts at 6:30PM and will run till 8PM. Whether you are seasoned expert in Infinite Banking, or maybe you have never heard of it, either way, there is a spot waiting for you. The seminar will go over many subjects that can be applied to the IBC and relate them back to the audience to show how it could help them in their personal life and business life.

Register now by clicking on the map. Financial Clarity is only a click away, why not see how?

For any additional information on Infinite Banking, or to gain more insight on the details of this presentation, please visit:

www.qmsfinancial.com/program-benefits/

Don’t forget to register now! Click on the map below!

Good morning to all! We hope that you are having a great week!

We wanted to update you on our upcoming financial presentation on Wednesday July 20th! It is going to be a great opportunity for you to learn how to create financial solvency. We will be covering a wide range of topics including, but not limited to, retirement planning, financing, debt management, college planning and saving, and more! Whether you have attended one of our presentations before or not, this is still a tremendous opportunity…and did we mention that it is free to attend? Yes!

For start your journey towards financial solvency, please click visit www.qmsfinancial.com/events
In the meantime enjoy the rest of your week and we will look forward to seeing you at our upcoming event!

P.S. If you are unable to attend our seminar on the 20th, please check out the rest of our events. For questions on any of these events, please email us at info@qmsfinancial.com.

Thanks for your loyalty!