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Welcome to IBC with Marilyn Burzuk, "MB"

Let's talk about how to flow your wealth.

Get a clearer picture of your future

Make peace with the fact that you cannot control the markets.

Instead, we focus on providing a simple, risk-free way to build a guaranteed growth savings plan

Build Wealth with Full Access & Control

Ensure your future with a better savings option than GICs, stocks, or other conventional savings or investment vehicles.

Access
Hourglass

Stop wasting time and money on plans you can't control

Safely plan for your financial needs by providing a simple, risk-free way to build guaranteed growth.  Insulate savings from the radical swings that usually happen in the markets.

Save for any need, not just education

Rest assured that your savings are growing safely and securely, while also being able to access when needed.

Saving

Guaranteed Growth. Peace of Mind.

Money-Flow
Family

Overview-how to control the flow of money in your life

First, we start with your income.


You probably received money from either your job or maybe you're a business owner. Maybe you're retired and receive a pension, or maybe you were lucky and got an inheritance. In either case, monthly or bi-monthly, you receive a paycheck.


Now when you get that paycheck, there's really only four things you can do with it. You can save it, you can invest it, you can spend it, or you can give it away.


But what if before we did that, we first put that money into an area, a place that we control completely. Let's call this place, your family bank.


Now when your money is inside your family bank...

You earn dividends.

You have guaranteed growth, for life.

It's private. You control it.

You earn tax-free growth.

You can leverage it and put your money to work and more than in one place at a time.

You receive protection in the form of a death benefit in case you die, and also from creditors in case somebody tries to sue you. Your money is protected.

And there's zero market volatility. What does that mean? That means there's no losses, ever.


Opportunity will find you because when you have money, opportunity finds you.

So you can use that money for investments or maybe big purchases, such as a car or college tuition.


Then when you want to access that money, because it's liquid, you take it out and you can invest, spend and give with it.


But how do we do this? Well, it's kind of like a mortgage. So, if you're familiar with home ownership, you understand that you make monthly mortgage payments to the bank. With each payment, a portion of that goes towards the principal balance of the home and you build equity.


Now, when you have enough equity built up , they may grant you a home equity line of credit where you can access that equity and use it for whatever you want.


Now the family bank operates a lot like this, except with a few distinct advantages.

One with the family bank, you own which means you control it.

Two, it's always guaranteed to increase, unlike your house.

Three, there's no required repayments.


Okay, so what product are we talking about here?


Well, you may have heard of it before, it's called whole life insurance. But more specifically, we use a specially designed life insurance contract, something you've probably never seen before.


How it works is you capitalize your policy with premium payments, and with each premium payment, a large portion of that goes towards cash value in your policy. Once it's in there, it's locked in for good. It can never decrease in value and it will never come out of there.


Over here, we have a separate pot of money. This money, are reserves held by a mutually owned life insurance company.


Now, what does mutually owned mean? Well, simply put you own the company, not stockholders, but you, the policy owner.


Now when you want to access your cash value, you take a loan from the other pot of money and collateralize it with your cash value. No questions asked. You can spend that money, however you see fit, and then you create your own repayment schedule.


All the while your cash has been sitting safely and securely inside that policy, enjoying all the benefits we discussed above.


So that's it. That's how you can control your own wealth.


If you want to learn more check out our Resources Page.


I recommend buying this book, Becoming Your Own Banker by the late R Nelson Nash, or you can reach out to me directly.

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