I’d like to show you a better way to use money.
Tired of that knife-edge feeling of the market and working around the ineffectiveness of the banks?
Simply by realigning (“stacking”) assets in-line with a strategic layer of capital, it is possible to eliminate debt, permanently reduce taxes, and increase what you can spend today and tomorrow, in retirement. All with more control and less risk.
I share trusted, safe financial strategies, using guaranteed cash value life insurance, to make what you’re already doing even better.
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Podcast
John Perrings and John Montoya host The Fifth Edition, a podcast where we discuss capital strategies, whole life insurance, and dive deep into the details around implementing The Infinite Banking Concept®.
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.
I couldn’t have asked for a better insurance advisor than John! He has proven tremendously knowledgeable in his craft. I learn something new every time we talk.
Ian, Engineer and REal Estate Investor
San Jose, CA

Free Best-Selling Book: Financial Planning Has Failed
This free PDF book will give you a look “behind the curtain” of the financial planning industry, as told by a former certified financial planner.
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.
Andrew, Business Owner: Technology Consulting
Alameda, CA
Articles
Read more articles to increase your understanding of strategic capital accumulation and the movement of money
On leverage, markets, and false “diversification”
Three things to write about today: Markets, diversification, and leverage. I’ve been having plenty of discussions recently about the current run-up in the market…
Continue Reading On leverage, markets, and false “diversification”
6 Ways to Use a Life Insurance Death Benefit – While You’re Still Alive
The prevailing thought about life insurance is that we “don’t need it” once we retire and are no longer earning an income. I’m here to show you…
Continue Reading 6 Ways to Use a Life Insurance Death Benefit – While You’re Still Alive
The “Boxy But Good” of Finance
BUY VOLVOS. THEY’RE BOXY BUT THEY’RE GOOD. My job is kind of like Dudley Moore’s when he made this Volvo ad in the movie…