You’ve heard about the flexibility Infinite Banking provides, but you might be wondering: Can I pull income from my IBC plan in my retirement?

The short answer is a resounding “Yes!”

But there are a few things you’ve got to keep in mind before you rush to take out funds.

That’s why in this episode I’ll explain how it works, and what to watch out for so you don’t make a very expensive mistake.

Listen now!

Show highlights include:

• What’s the difference between building a policy in a more traditional way vs. building for IBC. (2:00)
• Will Dave Ramsey ever like Whole Life insurance? Why Valerie thinks he’d never admit it, even if he secretly changed his mind. (6:00)
• “Should I go for a low base premium?” Why this trend is a choice you’ll regret. (8:06)
• How to balance your policy so you aren’t low on cash when you need it the most. (9:51)
• A whole life contract you don’t have to pay premiums on for your whole life? It’s possible! Details here. (10:32)
• Why the strategy for repaying loans to yourself changes once you hit retirement. (11:32)
• Two lurking dangers waiting to ruin you if you don’t structure how you borrow against your policy. (12:20)
• What a policy lapse is, and why it’s especially bad if you’re in retirement age. (15:04)
• 10 years away from retirement. Is it too late to prepare? Valerie’s answer. (15:42)

Reach out to me:
valerie@alphaomegawealth.com
https://www.linkedin.com/in/valerie-laroque-lacp-b569509
Infinite Banking Mastery (infinitebankingnorthwest.com)

With traditional methods, you can do one of two things with your money: Spend it, or save it.

If you spend it, that money’s gone and can’t be used for anything else. And since you’ve spent it, it can’t appreciate for you: meaning you miss out on more than just the face value you spent.

That’s why it’s important to think about opportunity cost: the dollars you really miss out on when you have to spend your resources instead of saving or investing them.

In this episode I’ll explain exactly what I mean by this. I’ll also share how IBC can safeguard you from squandering a fortune in opportunity costs.

Listen now!

Show highlights include:

• How IBC lets you “have your cake and eat it too” with your money. (2:57)
• What is “opportunity cost” anyway? Crystal clear definition to eliminate confusion. (3:03)
• Sneaky way car payments keep you broke, even if they’re well within your budget. (3:52)
• How to spend today without compromising your savings for tomorrow. (8:17)

Reach out to me:
valerie@alphaomegawealth.com
https://www.linkedin.com/in/valerie-laroque-lacp-b569509
Infinite Banking Mastery (infinitebankingnorthwest.com)

By now you know your most valuable asset is your ability to earn an income. And you realize you can use disability insurance to protect yourself against absolute financial disaster.

But you might still be thinking that common thought: “Other people get hurt, sick, or disabled, but that’s not going to happen to me.”

In this episode I’m sharing real life examples so you can see that real, ordinary people do end up needing this coverage. And why even though there are limits, disability coverage provides a whole lot better than nothing in the event you do need those benefits.

Listen now!

Show highlights include:

• Jarring reminder of how quickly your world can unravel from disability. IF you aren’t prepared. (1:38)
• What a fancy yacht can teach you about disability insurance. (3:09)
• How to navigate a gap in your company’s coverage so you aren’t caught unguarded if you get sick or injured. (5:10)
• How an individual plan can keep COBRA from squeezing your savings. (6:22)
• Surprising real life disability claims prove unexpected things happen even if your job isn’t dangerous. (8:23)
• Didn’t know it covered that? Arthritis, asthma, and other common ailments that can be covered by disability insurance. (10:12)
• They didn’t think they needed coverage. Heartbreaking account of “I don’t need it” turning into “I wish I had it.” (10:58)
• Why you could still qualify for disability payments even if you’re able to work a different job. (12:10)

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

Your most valuable asset is your ability to earn an income. But the majority of Americans do little to protect it.

This is alarming because nearly ⅓ will suffer a disability sometime in their career that forces them out of work for at least three months. And it’s not just people with tough jobs like building bridges or mining coal.

If you’re one of those under-prepared Americans, don’t panic just yet…

Because in this episode I’ll explain how you can protect yourself against a disability that would obliterate your finances.

Listen now!

Show highlights include:

• Four dangerous myths that stop people from buying critical coverage. (1:43)
• The surprising survey that says half of working Americans are just a few weeks away from financial ruin. (2:24)
• Why you don’t have to work in a dangerous industry to be at risk of disability. (3:17)
• Long term disability coverage won’t cover something you already have? Here’s why to get the coverage anyway. (4:19)
• How a comfortable desk job makes you a prime candidate for long term disability coverage. (5:00)
• Think Uncle Sam will take care of you if you’re disabled? (5:27)
• Why trusting your company’s disability plan could let you down when you need it most. And complicate your taxes! (7:31)
• Questions to ask Human Resources to know for sure your company’s disability coverage is right. (7:52)
• When short term disability coverage actually lasts long enough. (9:20)

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

You’ve heard the conventional wisdom: “Save 10% for your future self.” But different experts say different things…10%, 20%...who’s right? And what if your expenses are so high you think you can’t save anything?

This is the episode for you if you’ve been wondering about how much to save toward retirement. I’ll explain why there isn’t a “cookie cutter” answer, and what to consider as you make your own decision.

I’ll also share surprising pitfalls you need to watch out for so your assets don’t get plundered.

Listen now!

Show highlights include:

• Why it’s impossible to put a percentage on how much you should save for the future. (1:25)
• Overlooked expenses that leave retirees struggling to keep their house–even though it’s paid off. (2:09)
• Tax man’s 1-2 punch waiting for you in retirement. Know now so you won’t get sucker punched! (3:34)
• Heartbreaking way assisted living needs can expose your assets like a carcass in the desert…and the vultures waiting to pick it clean. (5:30)
• How to use IBC to protect yourself in your retirement years. (9:30)

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

You like the idea of IBC, but you’re wondering if you really have the money it takes to get started.

You’re not alone! It’s normal for clients to wonder if they can really afford this, and how much they need to get started. That’s why in today’s episode I’m going to help you understand why I advise the funding levels that I do.

I’ll also explain why your exact number won’t be the same as somebody else’s, and why that’s a good thing!

Listen now!

Show highlights include:

• Counterintuitive reason you should always aim for the high end of your budget range. (1:14)
• The one question you need to ask to know the right level for you. (1:25)
• What IBC rookies misunderstand about borrowing and the death benefit. (2:11)
• What a coffee stand can teach you about IBC. (3:25)
• Tight budget? Try looking in these places to find the funds you need for your premium. (7:19)
• Unexpected (and costly) headaches if you try to go UP in premium after you’ve started your policy. (9:11)
• How to use term life insurance to maximize IBC…and you won’t need any extra underwriting! (10:43)

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

One of the things we love about IBC is that you can set up a system to BYOB–”Be Your Own Banker” and essentially borrow money “from yourself”…at far lower rates than conventional banks offer.

And while repaying these loans comes with LOTS of flexibility, for best results you do want to get them repaid.

That’s why today I’m talking about ways to do that without burdening yourself with payments, and without giving yourself an accounting nightmare.

I’ll also share an additional option that lets you leverage your existing bank account to repay your loans in a timely and effective way.

Listen now!

Show highlights include:

• Amazing flexibility that comes with borrowing from yourself. Especially great if most of your bills all come due at the same time each month (2:30)
• The one new bank account you may want to acquire for clearer accounting. (3:10)
• Questions you need to answer when determining how to pay yourself back. (3:45)
• It’s possible, at this time, to acquire a whole life policy that only charges you 4% interest on loans. Here’s why you should pay yourself back at a higher rate. (4:33)
• Paid back your loan? Your options for what to do next, explained. (5:45)
• How to leverage your bank’s “bill pay” feature to put IBC’s loan repayments on autopilot. (6:47)
• Important thing to keep in mind regarding your bank’s bill pay option. (9:20)
• “Exacting” way a good agent can help you optimize your loan repayment plan. (10:15)
• The two big “No Nos” of borrowing from yourself. (13:02)

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

Every now and then I’m asked if churches can use Infinite Banking. And I wish more churches would ask, because the answer is “Yes!”

If you’re in church leadership, or just a member of a congregation you care about, then this episode is for you. I’ll explain why IBC is a great option for churches who want to use their financial blessings wisely. And I’ll tell you why IBC makes more sense than a savings account or CD with the bank.

Listen now!

Show highlights include:

• Why Uncle Sam lets policies built for churches be even better than policies for individuals. (1:10)
• Bank products have their highest interest in years. But here’s why churches should choose IBC instead of getting swept away by the current rates. (2:47)
• Risky thing, I don’t believe churches should do with their money. (4:20)
• Who should the church insure? Surprising reason staff members aren't always the best option. And where they could look instead. (4:45)
• How churches leverage IBC to keep their preacher from being dependent on social security after a lifetime of faithful service. (6:50)

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)