LifeWithLeverage

LifeWithLeverage LWL coaches people on how to Become Their Own Banker by practicing The Infinite Banking Concept.

04/29/2026

Meet Brayam Castillo, the driving force behind our operations and customer experience at LifeWithLeverage.

For the past 2.5 years, Brayam has played a key role in delivering the level of service our clients know and trust. His attention to detail, pride in his work, and commitment to excellence make him an invaluable part of our team.

Take a moment to watch and hear more about Brayam’s story.

Watch Full Video: https://youtu.be/n_BkQHtr_H4

Schedule a call with Harper: https://calendly.com/lifewithleverage/infinite-banking-call

Subscribe to LWL Newsletter: https://lifewithleverage.activehosted.com/f/1

Visit Website: https://lifewithleverage.com/

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*Disclaimer: The information provided is not written or intended as specific tax, investment or legal advice. Harper Jones, LifeWithLeverage and Strategic Financial Group, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

04/15/2026

In this video we discuss the common question ‘But I Can Get a Higher Rate of Return’ from chapter 15 in Nelson Nash’s book, Becoming Your Own Banker. This comes up from time to time where people suggest they can get a higher rate of return elsewhere.

As Nelson Nash says in his book about The Infinite Banking Concept:

“When first exposed to the rationale of The Infinite Banking Concept a person will almost always think—and often voice the thought, “but I can get a higher rate of return by investing in _______.” Unfortunately that person has not understood the message! We are not addressing the yield of an investment—we are discussing how you finance anything that you buy. It is always better to finance it through your banking system than out of your pocket.”

Watch Full Video: https://youtu.be/yiIPhj8eoXA

Schedule a call with Harper: https://calendly.com/lifewithleverage/infinite-banking-call

Subscribe to LWL Newsletter: https://lifewithleverage.activehosted.com/f/1

Visit Website: https://lifewithleverage.com/

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*Disclaimer: The information provided is not written or intended as specific tax, investment or legal advice. Harper Jones, LifeWithLeverage and Strategic Financial Group, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

04/01/2026

In this video we will review chapter 5 of Nelson Nash’s book – Becoming Your Own Banker (BYOB). This chapter goes into Creating A Bank Like The Ones You Already Know About. We discuss:

- Similarities Of Traditional Banks vs. Life Insurance Companies
- Capitalization Period For Being An Owner vs. Customer
- Co-Generation With Life Insurance
- The Principle That You Finance Everything You Buy – Whether You Pay Cash or Borrow From a 3rd Party

Watch Full Video: https://youtu.be/uqJmM3itchU

Schedule a call with Harper: https://calendly.com/lifewithleverage/infinite-banking-call

Subscribe to LWL Newsletter: https://lifewithleverage.activehosted.com/f/1

Visit Website: https://lifewithleverage.com/
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*Disclaimer: The information provided is not written or intended as specific tax, investment or legal advice. Harper Jones, LifeWithLeverage and Strategic Financial Group, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

02/23/2026

In this video we will discuss whether to buy more paid-up additions, make a loan repayment to your policies or even open another ‘banking’ branch (another policy) for you and your family.

At LifeWithLeverage, we help you understand and implement Infinite Banking so you can build and control your own pool of capital.
Watch Full Video: https://youtu.be/B1uK9P6jvNs

Schedule a call with Harper: https://calendly.com/lifewithleverage/infinite-banking-call

Subscribe to LWL Newsletter: https://lifewithleverage.activehosted.com/f/1

Visit Website: https://lifewithleverage.com/

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*Disclaimer: The information provided is not written or intended as specific tax, investment or legal advice. Harper Jones, LifeWithLeverage and Strategic Financial Group, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

02/03/2026

In this video we will discuss ‘Am I Too Old for Infinite Banking?’ This is a common myth that you are ‘too old’ to get a whole life policy for purposes of Infinite Banking. There are numerous ways to practice Infinite Banking with a whole life insurance contract with a mutual company - whether you are older or by having insurable interest on family members, business partners or even key employees.

At LifeWithLeverage, we help you understand and implement Infinite Banking so you can build and control your own pool of capital.

Watch Full Video: https://youtu.be/JyQDS-kymgs

Schedule a call with Harper: https://calendly.com/lifewithleverage/infinite-banking-call

Subscribe to LWL Newsletter: https://lifewithleverage.activehosted.com/f/1

Visit Website: https://lifewithleverage.com/

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*Disclaimer: The information provided is not written or intended as specific tax, investment or legal advice. Harper Jones, LifeWithLeverage and Strategic Financial Group, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

01/22/2026

In this discussion, we'll explore why the premiums you pay for dividend paying whole life insurance are not costs that disappear—they can actually represent one of your most powerful financial tools. This idea comes from the Infinite Banking Concept (IBC), originally developed by R. Nelson Nash.

With Infinite Banking Concept (IBC), when you fund a well-designed, dividend-paying whole life insurance policy, those premium payments shift from being typical "expenses" (similar to premiums for auto or homeowners insurance that provide coverage but no lasting value) to premium payments capitalizing your personal financial foundation. You're essentially building your own private banking system.

Compare this to conventional scenarios:

- With a standard bank loan (say, for a vehicle), the interest you pay goes straight to the lender, enriching them while your money vanishes.

- In contrast, with IBC, your premiums flow into the policy, increasing its cash value—an asset that grows over time through guaranteed elements, dividends, and compounding. This cash value remains fully under your control that you can leverage against to finance investments and other expenses in life. Meanwhile, the death benefit provides ongoing protection and a potential inheritance for your loved ones.

The long-term goal is true financial autonomy. Over years of consistent use, your policy evolves into the central "home base" or “residence” for your money—a secure, efficient place to store your wealth where your capital works for you instead of benefiting banks or other institutions. This creates a cycle of wealth-building that supports independence and leaves a lasting legacy.

At LifeWithLeverage, we help you understand and implement Infinite Banking so you can build and control your own pool of capital.

Watch Full Video: https://youtu.be/tVijAu5XDu8

Schedule a call with Harper: https://calendly.com/lifewithleverage/infinite-banking-call

Subscribe to LWL Newsletter: https://lifewithleverage.activehosted.com/f/1

Visit Website: https://lifewithleverage.com/

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*Disclaimer: The information provided is not written or intended as specific tax, investment or legal advice. Harper Jones, LifeWithLeverage and Strategic Financial Group, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

01/07/2026

On today’s client testimonial, we have Michael Talpas. Michael and his family have multiple whole life policies for purposes of Infinite Banking. Based out of Linton, Indiana - Michael’s primary business is real estate. He builds new construction homes, rentals for himself and is involved in other real estate investments. Him and his partner, Dusty, love to get creative. They buy land parcels, subdivide and add value to build or re-sell. In addition, they have a timber logging business. You can read more about Dusty and Michael’s business here: https://cartel-properties.com/

In this video we will discuss:

- How Michael and Dusty structured a Buy-Sell agreement for their business funded via Life Insurance
- How Michael uses policies as an alternative to a 529 plan for his kids
- How Michael uses whole life as an ideal savings vehicle
- How Michael leverages his policies to his personal and business benefit

At LifeWithLeverage, we help you understand and implement Infinite Banking so you can build and control your own pool of capital.

Watch Full Video: https://youtu.be/IN6MkthvN-U

Schedule a call with Harper: https://calendly.com/lifewithleverage/infinite-banking-call

Subscribe to LWL Newsletter: https://lifewithleverage.activehosted.com/f/1

Visit Website: https://lifewithleverage.com/

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*Disclaimer: The information provided is not written or intended as specific tax, investment or legal advice. Harper Jones, LifeWithLeverage and Strategic Financial Group, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

12/18/2025

On today’s video we compare Life Insurance Policy Loans vs. Bank Line of Credit. We dive deep into the benefits of each and how a life insurance policy loan is far superior for ultimate flexibility, control and use.

“The Bank owns the rules. YOU own the policy.”

In this video we will discuss:

- How the insurance company cannot call your policy loan due and payable - ever
- How policy loans have no repayment schedule
- How policy loans have no personal guarantee
- How policy loans do not have a middle man marking up the interest rate
- How policy loans have no additional closing or junk fees

At LifeWithLeverage, we help you understand and implement Infinite Banking so you can build and control your own pool of capital.

Watch Full Video: https://youtu.be/4z6Dnz69aZs

Schedule a call with Harper: https://calendly.com/lifewithleverage/infinite-banking-call

Subscribe to LWL Newsletter: https://lifewithleverage.activehosted.com/f/1

Visit Website: https://lifewithleverage.com/

__

*Disclaimer: The information provided is not written or intended as specific tax, investment or legal advice. Harper Jones, LifeWithLeverage and Strategic Financial Group, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

12/09/2025

On today’s client testimonial, we’re featuring Dustin Lloyd. Dustin and his wife, Valerie, own several businesses. Their primary business operates in the automotive locksmith industry, where they wholesale products nationwide. They also offer one-on-one financial and business coaching — and Dustin is the author of It’s All Your Fault, a growth mindset-shifting book that supports the coaching principles he teaches through It’s All Your Fault Mindset. Learn more here: https://www.itsallyourfaultmindset.com/

In this video we will discuss:

• How Dustin and Valerie plan to use their policies to help fund investments
• How to leverage their policies during retirement years
• How they are protected with a lifetime death benefit
• How they can draw supplemental income with whole life in later years

At LifeWithLeverage, we help you understand and implement Infinite Banking so you can build and control your own pool of capital.

Watch Full Video: https://youtu.be/c0F4CsL7d_E

Schedule a call with Harper: https://calendly.com/lifewithleverage/infinite-banking-call

Subscribe to LWL Newsletter: https://lifewithleverage.activehosted.com/f/1

Visit Website: https://lifewithleverage.com/

__

*Disclaimer: The information provided is not written or intended as specific tax, investment or legal advice. Harper Jones, LifeWithLeverage and Strategic Financial Group, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

11/25/2025

On today’s client testimonial, we’re featuring Brandon Miller. A year ago, Brandon began his journey with Whole Life and Infinite Banking. He’s the owner of Turnkey Electric, a residential and commercial electrical contracting company based in Delaware. Learn More Here: https://turnkeyelectricde.com/

- How Brandon uses his Whole Life As The Ideal Savings Vehicle
- How he borrows from his policy for his business and investments
- How he got a policy for his son, Greyson, as an alternative to a 529 plan
- Employing your child through your business for tax advantages. This enables us to find more dollars for potential premiums.

At LifeWithLeverage, we help you understand and implement Infinite Banking so you can build and control your own pool of capital.

Watch Full Video: https://youtu.be/sllPPhrEgKE

Schedule a call with Harper: https://calendly.com/lifewithleverage/infinite-banking-call

Subscribe to LWL Newsletter: https://lifewithleverage.activehosted.com/f/1

Visit Website: https://lifewithleverage.com/

__

*Disclaimer: The information provided is not written or intended as specific tax, investment or legal advice. Harper Jones, LifeWithLeverage and Strategic Financial Group, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

11/11/2025

Meet Todd Fleming. Todd and his wife, Denise, own several companies from real estate to a consulting company called Fleming Consult. The best way to get in contact with Todd and Denise is at: https://www.toddmfleming.com/

I have been friends and done business with Todd since Fall of 2016. We have strategized with business and personal relationships on how whole life is the ideal savings vehicle.

In today’s testimonial, we cover:
✅ How they use their policies as a self-pay account
✅ Financing investments through their policies
✅ Their journey & businesses that add value
✅ Planning for tax-free supplemental income later in life
✅ Why Whole Life is their ideal savings vehicle

At LifeWithLeverage, we help you understand and implement Infinite Banking so you can build and control your own pool of capital.

Watch Full Video: https://youtu.be/lRFHWp78k7U

Schedule a call with Harper: https://calendly.com/lifewithleverage/infinite-banking-call

Subscribe to LWL Newsletter: https://lifewithleverage.activehosted.com/f/1

Visit Website: https://lifewithleverage.com/
__

*Disclaimer: The information provided is not written or intended as specific tax, investment or legal advice. Harper Jones, LifeWithLeverage and Strategic Financial Group, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

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118 N Peters Road #292
Knoxville, TN
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