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IBC Advisor
@johnmontoya
40
Family. Freedom. Finance. Travel. Sports.
Followers
326
Following
42
Resource Credits
Available
Used
Location
California, USA
Website
http://www.CashValueBanking.com
Created
May 15, 2017
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johnmontoya
mustang
2018-09-02 19:07
05 Aztecs Recap: 1st Place Finish at San Ramon Soccerfest
One weekend removed from a tough opening weekend at the Stanford Classic and no practice on Thursday due to the Air Quality Index soaring over 150, the 05 Aztecs had a lot to prove coming into their second
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johnmontoya
gofundme
2018-04-30 20:03
Blockchain Business Needed To Compete With GoFundMe
My four year old nephew passed on Friday, April 27th in a tragic accident and I created a GoFundMe to help my sister-in-law and her husband in their time of need. I was in the process of making Katie,
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johnmontoya
photography
2018-04-29 15:19
Sunset Photos From Maui
These photos were taken on Maui on between April 18-22 near Lahaina. Penn Mutual Life Insurance Company hosted their annual Royal Blue Conference at the Hyatt Regency where my family stayed during the
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johnmontoya
ibc
2018-04-15 20:59
Question of the Day: Am I Too Old For Infinite Banking/Bank On Yourself?
Am I Too Old For Infinite Banking/Bank On Yourself? This is a common question and concern for many who have just learned about Infinite Banking/Bank On Yourself (IBC/BOY) and feel they may be too old to
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johnmontoya
ibc
2018-04-14 23:41
The 401k Lobster Trap and How To Avoid It
Source Tax day is coming April 17th so here's an important reminder to continue to max out your 401k so you can lock up your money for decades in order to pay an open-ended tax bill for life during retirement.
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johnmontoya
ibc
2018-04-12 18:21
Why Infinite Banking? The Bigger Picture Perspective Explained
What problem does Infinite Banking solve? The answer can be quite lengthy so I'm going to attempt to simplify for purposes of readability and ease of understanding. Golden Rule: Money Must Reside Somewhere
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johnmontoya
ibc
2018-04-11 20:48
FAQ: What Is The Minimum Amount To Get Started With Infinite Banking?
Image Source Yesterday's blog post highlighted Premium Financing which excludes the majority of households in American due to income and net worth requirements. Link Today I'm going to cover the other
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johnmontoya
ibc
2018-04-11 01:58
Video: Premium Financing (Infinite Banking for The Very Wealthy)
Infinite Banking has been called the black box secret for the ultra-wealthy because of the ability for high net worth individuals to contribute 7 or 8 figures into an IBC designed Whole Life policy. For
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johnmontoya
ibc
2018-04-10 05:24
The Essence of Banking
If you've never seen the movie The International starring Clive Owen and Naomi Watts, then put it on your watchlist. Not only is it suspenseful but the movie also offers rare insight into the banking cabal
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johnmontoya
ibc
2018-04-09 01:01
Infinite Banking and Real Estate: More In Common Than You Think
A fail-proof way to creating wealth over time is by accumulating assets. To make clear, an asset can be many different things. For the purposes of this blog post, I’m going to focus on financial assets
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johnmontoya
ibc
2018-04-07 16:59
Infinite Banking 101: Debtor, Saver, or Wealth Creator
Infinite Banking 101 Understanding how the Infinite Banking Concept (IBC) works should be simple and easy. The three pictures below aim to show you just how easy it is understand how IBC works. At the
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johnmontoya
ibc
2018-04-06 16:24
Business Testimonial for the Infinite Banking Concept
As a business owner you know access to capital is crucial and so is the ability to manage cash flow. The Infinite Banking Concept gives business owners the ultimate flexibility to run their business on
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johnmontoya
ibc
2018-04-05 17:11
The Simple Key To "Owning" Term Life Insurance
The purpose of today's article is to highlight the correct type of Convertible Term Insurance you should have IF you are thinking long term and have the determination to own assets (not liabilities). The
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johnmontoya
ibc
2018-04-04 16:25
Video: Are You 100% Certain You'll Have A Great Retirement or Do You Have Some Doubt?
Would you like to know how to pay off all of debt, including your mortgage, while at the same time creating a tax-free retirement? Watch the video below and "Meet Mark" to learn the Your Family
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johnmontoya
ibc
2018-04-03 16:29
3 Ways To Have Tax-Free Income in Retirement
Did you know there's only 3 ways to create tax-free money in retirement? You could buy municipal bonds. No restrictions on how much you can buy. Muni bonds are generally safer than stocks but there is
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johnmontoya
ibc
2018-04-03 00:48
Buyer Beware: The Untold Risk of Universal Life Insurance
If you own any type of a Universal Life Insurance policy or if you are the beneficiary of a Universal Life policy, this is a cautionary story that needs to be read, understood, and shared with your loved
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johnmontoya
ibc
2018-03-30 14:47
Infinite Banking Question of the Day: What's The Best Way To Re-Pay A Policy Loan?
As an IBC'er, you are in total control of your cashflow which puts you in a unique situation compared to traditional bank borrowers who must maintain a fixed payment and set schedule of payments for the
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johnmontoya
ibc
2018-03-28 03:44
How To Get Started With Infinite Banking in 3 Simple and Easy Steps
Hey, hello there! Congrats on making your way here. If you've found this article, it's likely because you've done some research on the Infinite Banking Concept (IBC) (also known as Bank On Yourself or
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johnmontoya
ibc
2018-03-26 15:24
Financial Question: Taxable income or Tax-Free Income in Retirement?
Seems silly, right? Of course, any sane person would prefer a tax-free retirement. Problem is most people are stuck contributing to 401k's and do not realize a properly structured Whole Life policy (Infinite
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johnmontoya
ibc
2018-03-25 20:59
What Is the Least Expensive Way To Buy Life Insurance? (A Deeper Dive Into Life Insurance that Wall Street and the Mainstream Media Won't Tell You About)
There are a many options for purchasing life insurance and because each person's situation is different, I'm writing this blog article to help you better understand the different options and what will
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