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Families • Business Owners • Investors
Infinite Banking® is privatized banking, at the "you-and-me" level, to reclaim the banking function in your life, using the private, guaranteed, and permanent cash value of a whole life insurance policy as the platform for accumulating and deploying capital.
The Fifth Edition Podcast - Authorized IBC® Practitioners, John Perrings and John Montoya, discuss capital strategies, whole life insurance, and dive deep into the details around implementing The Infinite Banking Concept®.
Join us!
Join us!
Pay Less Tax
Whole life insurance grows tax-free, provides tax-free retirement income, and can significantly reduce tax paid on other assets
Reduce Opportunity Cost
Safely leverage your money for purchases and investments without interrupting the compound growth of your capital base
Protect Your Family
Permanent life insurance that never expires and protects your family legacy, no matter what happens
Guaranteed Growth
Contractually guaranteed growth:
~40x higher than a typical savings account at a big bank
No Risk
Whole Life Insurance is a private contract that is guaranteed to grow every year and "self-completes" in the event of premature death, or if you get hurt, or become too sick to work
Proven
Recommended Mutual Insurance Companies have been in existence for over 150 years and have paid dividends through the worst downturns in our history, including the Great Depression and Great Recession
Let’s Talk
Schedule a no-sales-pressure, 30 minute consultation. I'll share with you my process and what I do.
What people are saying…
I couldn't have asked for a better insurance advisor than John! He isn't only insurance, but a financial partner who is looking for the best for all his clients.
John has proven to be tremendously knowledgeable in his craft, I learn something new every time we speak. He is clear, concise, and will take the time to make sure you are fully informed -- especially with such an important matter that will set you and your family for years to come.
I recommend John to everyone I know! Ian,
Process Engineer and Real Estate Investor
San Jose, CA
John has been the most important resource on my Infinite Banking journey. He's part of my family's advisory council now - just like our accountant, lawyer, and doctor.
John is extremely knowledgeable, responsive, and we're working with him now to start another IBC policy for my wife. Andrew,
Technology Consultant
Alameda, CA
John helped us find a way to accumulate wealth without giving up the liquidity we need when an investment opportunity arises.
Instead of having the stress that goes along with illiquid investments or needing to take funds out of our home for cash, we now have a ready source of funds that we can pay back to ourselves at any time. Stacey,
Business Owner and Real Estate Investor
New York, NY
Having just become aware of the Infinite Banking Concept, I took a little advice and searched for an authorized practitioner. My search lead me to John, and thankfully he has helped me set up a whole life insurance policy to meet my financial needs.
No pressure or sales pitches. He listened to my needs, and is helping me set up strategies for my business and my family's futurePatrick,
Owner, General Contractor
San Francisco, CA
As a father, husband, brother, son and business owner, I support and cherish all the relationships I have with each person in my life.
Before working with John at StackedLife I had no idea the opportunity I was missing out on to grow my business. Josh,
Gym Owner
Brooklyn, NY
I finally found the savings and retirement alternative I've been holding out for since I started working.
It feels good to see thousands of dollars in my policy and know that I can use that amount whenever I want. Raymond,
Startup Software Engineer
Oakland, CA
I wanted financial security for my family in case something happens to me whether unexpectedly or after a long life -- as well as a process and the tools to strengthen my family's overall financial picture.
John was great to work with and helped me reach both of these objectives. Derek
Mechanical Engineer
Alameda, CA
The safety, security, guaranteed and tax free growth are my definition of a perfect investment vehicle.
John patiently listened to my goals, numerous questions and worked with me to design the policy that I wanted. I found an amazing way to leave a legacy and to enjoy and use my savings now. Lowell,
Retired Software Engineer
Silicon Valley
I have been working with John and he has been great.
I recently learned about The Infinite Banking Concept® and it has changed how I view my financial future. Brian W.,
Senior Manager, Information Systems Consulting
Major CA hospital
Los Angeles, CA