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Ascendant Financial Inc. North America’s # 1 Gold Standard on The Infinite Banking Concept, the process of Becoming Your Own Banker

10/21/2026

Before I use a policy loan, I still stop and compare it with the other ways I could pay.

Pay cash. Use a credit card. Borrow from a conventional lender. Lease. Use a policy loan.

The point isn't to make the policy loan win every time. It's to understand what each option does to the rest of the financial picture before I choose.

That simple comparison keeps the decision from becoming ideological. It's just a financing decision that needs to make sense.

🔗 If you want to see how I work through those choices, take the FREE training. Check the first comment.

10/20/2026

If my kids want to use family capital, I don’t want us inventing the rules at the moment the money is needed.

In our family banking system, we have decided in advance how participation works. The family repayment rate is 10%. That rate is fixed. The repayment timeline can be negotiated.

Our kids are free to use outside financing instead. But participating in the family system comes with expectations that are understood ahead of time.

Those are our family’s rules, not a universal requirement of the Infinite Banking Concept. What matters to me is that family capital comes with clarity, responsibility, and consistency.

🔗 If you’re thinking about what rules should sit around a family banking system of your own, take the FREE training to understand the financial process. Check the first comment.

10/19/2026

If every premium dollar were still sitting inside your policy as your money, while the insurance company also lent you its own money, a very reasonable question would be: how does the insurance company make money?

That question exposes the problem with a common explanation.

When I pay a premium, those dollars are no longer sitting in a personal account inside the contract. What I have is a contractual cash value. A policy loan is made with the insurer’s money and secured by that cash value.

The words matter because the wrong mental model creates confusion about how the entire process works.

My mentor Nelson Nash, who coined the Infinite Banking Concept, was very careful about that kind of misunderstanding.

🔗 If you want the mechanics explained without the sensationalism, take the FREE training. Check the first comment.

10/18/2026

Have you ever caught yourself thinking, “What would Grandpa have done?” or “What would Grandma have said?”

That question tells you something. The money they left may matter, but so did the way they thought, the values they lived by, and the way they made decisions.

That is why I encourage families to write letters to future generations and, when possible, record them too. Let your children and grandchildren hear the principles in your own voice instead of trying to reconstruct them years later.

A legacy is more than what gets transferred. It is also what gets remembered.

What is one value you would want your family to carry forward?

🔗 If you’re building something for the next generation, take the FREE training on passing down values along with assets. Link’s in the first comment.

10/17/2026

I’ve seen parents do something with the best intentions: fund a policy for a child for years, transfer ownership when the child becomes a young adult, and then watch that policy get surrendered for the cash value.

That is exactly why Rebecca and I will not simply hand our kids ownership of the policies we have on their lives.

If they eventually want to own those assets, they can buy them. For us, that creates a very different conversation around responsibility, value, and stewardship before ownership ever changes hands.

The asset matters. So does preparing the person who will control it.

🔗 If you’re building for the next generation and want to understand the financial side of a family banking system, take the FREE training. Check the first comment.

10/16/2026

A question like, “Should I keep investing in ETFs or build cash value first?” sounds like it should have a simple answer.

I don’t think it does.

Investing and financing serve different purposes. Before I tell someone what should come first, I want to know what they are trying to accomplish, how much capital they will need, what protection is already in place, and how they want future financing needs handled.

That is a very different conversation from simply choosing one bucket over another.

🔗 If you’re trying to sort out where investing ends and the financing function begins, take the FREE training to understand the process. Check the first comment.

10/15/2026

People talk about taxes, inflation, and volatility as threats to compounding.

I worry just as much about interruption.

Why does someone sell a long-term asset they intended to hold? Sometimes they need cash and do not have enough liquidity. Sometimes they panic when markets get uncomfortable.

Either way, the compounding process gets interrupted.

I have never sold shares from my dividend reinvestment program to meet a cash need. That is deliberate. I want the capital I set aside for long-term compounding to remain long-term capital.

That is why I think about liquidity before I need it, not after.

🔗 If you want to see how I think about liquidity and financing alongside long-term investing, take the FREE training. Check the first comment.

10/14/2026

When Rebecca and I insure our kids, we are not quietly setting aside policies that automatically become theirs when they turn 18.

We own the contracts. Our children are the lives insured. Those are different roles.

If one of our kids ever wants to own one of those existing policies, our family expectation is that they would buy it from us. We also expect them to create and maintain policies of their own.

Why? Because transferring ownership before someone understands the responsibility that comes with the asset can undo years of good intentions.

For me, the conversation has to come before the transfer.

🔗 If you're thinking about how to structure family policies with that kind of clarity, take the FREE training. Check the first comment.

10/13/2026

I've been shown plenty of "great" investment opportunities.

The first thing I ask is simple: does it pay me from day one?

If the answer is no because it is purely an equity play, I can stop there.

Then I look at the operator. I bet on the jockey, not the horse. A great business model in the wrong hands is still the wrong deal for me.

And if I have capital at risk, I want a meaningful voice in how the business operates.

Good opportunities are everywhere. Clear decision rules make it easier to say no to the ones that are not yours.

Follow, and we’ll keep sharing what’s actually working.

10/12/2026

Sometimes the question isn't whether two actions are both important. It's which one should happen first.

When I'm deciding where to direct the next available dollar inside a policy, I ask: which action actually grows the policy?

In this example, I would prioritize topping up the paid-up addition / accelerated deposit option first because additional premium purchases more paid-up insurance and increases policy values.

That is a sequencing decision, not permission to ignore a policy loan. Repayment still matters.

🔗 If you want to understand how premium decisions and policy-loan repayment fit together, take the FREE training. Check the first comment.

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