Wealth On Main Street

Most financial conversations with business owners start the same way: “How much did you make?” Rohit Punyani, Co-Founder & Chief Solutions Officer of The Owner’s Asset, a pension specialist and former Chief Investment Officer, joins Jayson Lowe and Richard Canfield to go a lot deeper than that. Here’s what the conversation actually covers. Why does “cash flow” matter more than “income”? “The words we use determine our wealth,” according to Rohit Punyani. “If you say I want more income, you’re gonna end up okay. But if you say I want more cash flow, the world is yours and everything in it.” […]

Is Infinite Banking Actually an Investment? In short, Infinite Banking is a capitalization tool, not an investment. Additionally, it builds liquidity. Investment, including a DRIP Investment with Infinite Banking portfolio, is what you do with that liquidity once it’s available. Is a DRIP Portfolio Worth It With Infinite Banking? Yes, for the right person. A DRIP Investment with Infinite Banking solves two problems. Additionally, pairing them deliberately is the point, not a compromise. Infinite Banking controls where your investable capital comes from. DRIP investing determines what productive businesses that capital actually owns. Run side by side; one funds the other. What […]

“An investment should only be in something that you know a great deal about. Everything else, I repeat, everything else, is speculation.” That’s Nelson Nash‘s line, and it’s blunter than most people want to hear about their own portfolio. In a recent Wealth on Main Street episode, Kurt Berry joined Richard Canfield. Berry has nearly 30 years in finance. Thus they discuss what that means and why many investors actually speculate. The Real Difference Between Investing and Speculating Most people assume investing just means buying something, a mutual fund, a stock, an index fund and holding onto it. According to Kurt, […]

It’s one of the most common questions people type into Google, ask ChatGPT, and search on YouTube. Richard Canfield breaks down the concept that insurance companies actually use to answer it: human life value. What is human life value? According to Richard, it’s “the economic value associated with your life based on the people that depend on you.” Insurance companies don’t know your family’s full story; what they know is your income and your age, and that’s largely what determines the number they land on. As Richard puts it, “your family doesn’t love you because of your income. They love you […]

No, the majority of people who start whole life insurance or Infinite Banking are between 45 and 65 years old. “I’m in my 50s. I’m in my 60s. Isn’t this going to be too expensive?” It’s one of the most common questions Neil Dietrich, Lead Advisor at Ascendant Financial, hears from clients and in this episode of Wealth on Main Street, he joins Richard Canfield to answer it directly, along with several other real-world “trench stories” from years of helping clients navigate Infinite Banking. At What Age Should You No Longer Have Life Insurance? Here’s what might surprise you: the overwhelming […]

Money is never just about money. It’s about the people we love and the future we’re all trying to protect, especially in the moments we never see coming. In this episode of Wealth on Main Street, we sit down with Jeff Treleaven, a teammate at Ascendant Financial, for a conversation that goes far beyond typical financial planning. Jeff has walked through grief most people can’t imagine: losing his father at 16, and losing his oldest daughter suddenly in 2023. Through that pain, he found a deeper calling, helping families build the agency, resilience, and preparation they need before life changes in […]

Karyn Kokeny, 10X business coach, discussing Infinite Banking for business owners on Wealth on Main Street

How long do you suppose a skyscraper would stand on a weak foundation? That’s the question Nelson Nash, the founder of the Infinite Banking Concept, asked Jayson Lowe the first time they spoke at a conference. Decades later, it’s still the question that separates people who actually understand Infinite Banking from people who are just shopping for a better insurance product. In a recent episode of Wealth on Main Street, teammate Paul Eikeland flipped the format and interviewed Jayson Lowe and Richard Canfield about their personal history with Nelson Nash and what his teaching really meant. Here’s what came out of […]

When people picture farming, they picture open fields, tractors, and sunsets. What they don’t picture is one of the most capital-intensive businesses on the planet, millions of dollars tied up in land, equipment that can cost as much as a family home, and banks that “somehow always seem to know exactly when your payment is due.” Jayson Lowe and Richard Canfield sit down with Dan Allen, co-author of Growing Your Own Capital, and his clients, Ryan and Brittany, a young farming couple near Strathmore, Alberta, to talk about what changed once they took control of their own capital. Why is farming […]

Reading time: 2 minutes Before John Saintloth ever taught the Infinite Banking Concept, he lived it. Before he became an advisor at Ascendant Financial, he was a client. Before either of those things, he was a 14-year-old boy reuniting with his mother in Canada five years after she had to flee Haiti and seek asylum at the American embassy. On a recent episode of Wealth on Main Street, hosts Jayson Lowe, CEO, Ascendant Financial, and Richard Canfield, Bestselling Author and Podcast Host, sat down with John to talk about the moment a Facebook ad stopped him mid-scroll, the book that kept […]