Get in Touch
The Nash CashFlow Group
John Ward
CashFlow Coach
T: 603-479-2511
E: john@nashcashflow.com
Serving all 50 States.
Latest News
- Two Passive Incomes- One PolicyDecember 1, 2023 - 1:10 am
The traditional financial model espouses saving/investing for many years, and then depleting that nest egg for the last few decades of ones life. It’s hardly a system of generational growing wealth, and often fails to last long enough for the first generation. Join Doug & John as they discuss how even one policy can be […]
- Securing Your Family’s Financial Future With Child PoliciesNovember 24, 2023 - 1:53 am
Compound interest can work for anybody at any age, but the longer the time horizon, the better. There is no better time to get an insurance policy than when someone enters this world. Premium payments required to acheive a large death benefit are low, passive income is assured, insurability is locked in, most underwriting requirements […]
- The Beauty Of Unstructured LoansNovember 17, 2023 - 1:51 am
Applications, justification, income verification, qualification, etc…. These are some of the many steps we have accepted we must take when getting a loan from someone else. It’s a laborious process that’s not within our control. What if there was a better way to access capital? Come join Doug and John to find out how! “What […]
Mortgage Calculator
Is Now The Ideal Time To Buy Whole Life Insurance?
/in Blog, Insurance/by The Nash CashFlow GroupTo repeat an old adage- the best time to buy life insurance was 20 years ago. The second best time is now. The time value of money coupled with the power of compounding means that age is always the most powerful predictor of policy performance over the long term. However, there are other factors at play at a Macro level that play a role.
Insurance companies rely on safe assets to generate yield on their capital, and therefore, are greatly affected by interest rates. The last few decades have seen historically low interest rates, and declining dividend rates by insurance companies.
We are now at a turning point in this environment, and are starting to see companies either hold, or slightly increase their annual dividend crediting rates.
While we certainly can’t predict the future, we postulate that now is likely to be a very good time to own whole life insurance.
“At the end of the year, the Life Insurance company makes an accounting of the experience of that year of the death claims paid, the earnings on premiums collected, and the expenses of running the company. A dividend is declared which is actually a return to the policy owner of surplus premium that as collected. Hence, it is not an earning and, therefore, is not taxable. When that dividend is then used to buy additional paid-up insurance at cost, then the result is a continuous compounding of an ever-increasing base.”
–R. Nelson Nash, Becoming Your Own Banker- Unlock the Infinite Banking Concept.
Connect with Doug MacKenze:
Website: Control Capital Solutions
Email: dmackenzie@controlcapitalsolutions.com
Connect with john Fox Ward:
Website: Nash Cashflow – The Nash CashFlow Group
Email: John@nashcashflow.com
Check out this episode!
Collateral Capacity- The Importance of Increasing your Leverage
/in Insurance/by The Nash CashFlow GroupIf you’ve listened to any of our previous episodes, you’ll know that one of the major aspects that makes IBC so powerful is leverage. Leverage is traditionally viewed as a scary thing that irresponsible risk taking investors use. We would argue that the contractual leverage provided by a dividend paying whole life insurance policy is one of the safest financial tools one can have at their disposal.
An life insurance policy is unique in that every year your leveragable capacity grows exponentially faster than the year before as you pay premiums and as policy dividends are paid out and reinvested as paid up additions. This is different from a HELOC or traditional line of credit.
Join Doug and John as they talk about the importance of growing you collateral capacity.
“Many of the people that I work with have a large amount of cash value, permanent life insurance on themselves, and on key family members, and they don’t know how to use it. There will be many times during your career or in your personal life that you will need a cash cushion, and the cash value of life insurance will serve that purpose! A qualified advisor will show you how to structure the policy and once you have the money in the policy, it will become the lifeblood of your financial portfolio, while eliminating the need for many of the other buckets you were told you needed in the past. This one bucket will do the work of several, and it will give you liquidity, use, and control of your money.”
–Bryan Bloom, Confessions of a CPA….Why what I was taught to be true has turned out not to be.
Connect with Doug MacKenze:
Website: Control Capital Solutions
Email: dmackenzie@controlcapitalsolutions.com
Connect with john Fox Ward:
Website: Nash Cashflow – The Nash CashFlow Group
Email: John@nashcashflow.com
Check out this episode!
Willie Sutton’s Law- Wherever Wealth is Accumulated Someone Will Try to Steal it
/in Insurance/by The Nash CashFlow GroupDo you like paying taxes? Neither do we.
Come listen as Doug and John discuss this chapter in the book “Becoming your own banker” and learn how they only pay taxes once. Learn how you can protect your hard earned money from unkown future tax burdens, changes, additions, etc…
“Economic problems are best solved by people freely contracting with one another and with government limited to the function of enforcing those contracts. And the best way to do so is through the magnificent idea of dividend paying whole life insurance! It has been around for over 200 years. It has stood the test of time. It is not compulsory. It is not a government sponsored idea. It preceded the income tax idea by a long time. It is private property!” –R. Nelson Nash, Becoming Your Own Banker, Unlock the Infinite Banking Concept.
Connect with Doug MacKenze:
Website: Control Capital Solutions
Email: dmackenzie@controlcapitalsolutions.com
Connect with john Fox Ward:
Website: Nash Cashflow – The Nash CashFlow Group
Email: John@nashcashflow.com
Check out this episode!