My name is Joe Myers & as a Financial Consultant I have created this website to explain WHY I am a complete 180 from the mainstream financial advice. You can learn more about me here My Bio.
I met my mentor, Nelson Nash, about 10 years ago & he has been teaching many in my field a grassroots method to restore our monetary system to WE THE PEOPLE! Our vision is a free society characterized by creative privatized “banking” solutions independent of government intervention.
We recognize that true freedom incorporates financial freedom. We teach the public how to use permanent Whole Life insurance as the cashflow management vehicle for implementing the strategy called the Infinite Banking Concept (IBC). We teach how to use properly structured Whole Life policies as “banking” policies.
What separates me from the mainstream is THEY want to CONTROL YOUR MONEY & I teach you HOW to KEEP MORE OF & HAVE CONTROL OF YOUR MONEY!
There is a saying "You can lead a person to KNOWLEDGE but you cannot make them THINK!" so if you are not willing to learn WHY taxes destroy your wealth & WHY your current financial plan can be setting you up for FINANCIAL FAILURE then you will want to stop here.
On this page you will learn the most important financial information that the mainstream DOES NOT TEACH that will benefit ANY Personal, Business & High-Net Worth Individual strategy!
You will never look at your financial strategy the same way AND you may even be upset with your current financial advisor!
While you will learn more on this page than what the mainstream financial advice teaches the other website pages provide more resources to validate what you will learn here.
YOURMONEY is YOURRESPONSIBILITY - no one else but YOU!
HOW do you know if your financial strategy WILL WORK?
Where are those providing financial advice going to be when your financial strategy DOES NOT WORK?
You work hard to EARN YOUR MONEY so why not work just as hard to LEARN HOW to keep it?
The most important issue to understand first is MONEY vs. CURRENCY!
You must watch the following 2 videos before you go any farther to understand WHY knowing the difference between MONEY vs. CURRENCY will help you make more informed financial decisions:
The Plain Truth of the Federal Reserve is a short 5-minute video presented by Judge Napolitano who is a Judge of the New Jersey Superior Court and a true Constitutionalist! The short video presented prior to 2011 The Judge explains WHY the United States has been enslaved by a central bank when our elected officials in Congress UNCONSTITUTIONALLY passed the Federal Reserve Act in 1913 and every Congress since then has allowed the Federal Reserve to control our monetary system which has enslaved We The People by devaluing our money creating loss of purchasing power!
The Biggest Scam In The History Of Mankind is a 29-minute video that explains perfectly how money is COUNTERFEITED with deposits & loans!
The platform I teach comes from the book "Becoming Your Own Banker (BYOB)" written by my mentor, Nelson Nash. More about Nelson on "The SOLUTION" page. An excerpt of BYOB can be downloaded below.
Understanding how governments function is key to understanding how it affects your financial future! Download below & read the short 3-page article "Fish Are the Last to Notice the Water" for more insight on your finances.
I would encourage you to visit the Resource Page to understand the true history of our country to learn our role as Citizens to keep a free country!
WHAT is a PARADIGM? Bob Proctor who is a personal development coach gave the following definition:
"A paradigm is a multitude of habits lodged in our subconscious mind".
So PARADIGMS can be good or bad!
One paradigm that is SO WRONG is people think MONEY is WEALTH when in reality money is a medium of exchange to acquire wealth (such as vehicles, real estate businesses, etc.) BUT knowing WHAT REAL INFLATION IS & how efficient we are at keeping more of the money we work hard to earn is the real key to wealth!
Download below & read this short article from the 1993 FORTUNE Magazine article "The Real Key to CREATING WEALTH" that details the fundamental financial principle Economic Value Added (EVA) that is so VITAL to EVERY Personal, Business & High-Net Worth Individuals financial strategy!
So how are your PARADIGMS about MONEY affecting your financial future & future generations?
THE JIM HARBAUGH PHENOMENON - About 2 years ago former NFL great Jim Harbaugh & University of Michigan came up with a creative compensation package using Life Insurance that has amazed many people. Download below & read about the UNIQUE strategy that anyone CAN & SHOULD use to minimize taxation "Michigan & Jim Harbaugh compensation package".
HOW to control YOUR MONEY - When it comes to your money the mainstream financial planner advised their clients to put their money in tax qualified plans like 401(k) plans, 403(b) plans, SEP's, IRA's, etc. prior to 2001. (Watch the short videos below "The Truth Behind Hidden Fees in 401(k) Plans" & THINK how this affects all TAX-QUALIFIED plans!) Everyone reviews their statements & observes the number they see BUT do not take into account the taxes they will pay when they withdraw money from their plans! Another HUGE point is I have NEVER had anyone be able to tell me their ACTUAL RETURN on their money after factoring in the affects of the downturns in the markets not to mention the value destroyed by hidden fees!
Then after the 2001 financial meltdown clients were then instructed by their advisor to leave their money in these financial vehicles stating the market will come back. Then the 2008 financial meltdown happened and the client lost even more money! For more detailed information & an alternative to NEVER LOSE MONEY download "HOW to control YOUR MONEY" below & you will know WHAT REAL INFLATION IS!
Here is a quote from an article on the website of Nationally known CPA, Ed Slott on a 401(k):
"Consumers and financial practitioners alike may have been sold on a myth as a fact many years ago. If you think back, you likely recall the saying:
“Defer, defer, defer and when you retire you’ll retire at a lower tax bracket!”Sound familiar? Actually, instead what they should have told us was:
“If you don’t pay taxes today, you’ll get stuck with the government plan tomorrow!” What is the government plan you ask? The government plan is where you do all the work, take all the risks, pay all the costs, and make all the emotionally gut-wrenching decisions with your 401(k) during your 30-40-year career while you contribute to a seemingly tax-beneficial retirement plan. Then you discover when you retire years later, you are paying taxes not only on your contributions, but also the growth of those contributions. Additionally, you didn’t know when you started saving that the government would have so much debt as you approached retirement, prompting them to potentially raise the tax rates during your retirement years." SOURCE
Watch the video below asNationally known CPA, Ed Slott explains the 5 SILENT RETIREMENT KILLERS!
FARMING & RANCHING BUSINESS - Business owners are advised to use other peoples money (OPM) by borrowing from banks or lending institutions but then went out of business going deeper into debt to grow their business - instead of creating a strategy to have more efficient use of their revenue/cash flow so when financial meltdowns like 2001 & 2008 happen they could stay in business!
One of many strategies that I share with business owners is how to create an LLC leasing company that the owners would own & then they would buy for example: equipment with loans from the TAX-DEFERRED & TAX-FREE ENTITY (I will teach you about) that they are currently leasing & then pay the lease payment to THEIR LLC leasing company & the leasing company pays the loans back to the TAX-DEFERRED & TAX-FREE ENTITY to recycle their money for the next time they need to buy equipment or for operating budgets or working capital. Now they have the additional TAX benefit of the LLC leasing company & they have a tax beneficial loan from the TAX-DEFERRED &TAX-FREE ENTITY they own & control.
HIGH-NET WORTH INDIVIDUALS EXAMPLE - High-net worth people are advised to be in various financial vehicles that provide very little protection for estate/income taxation or to be litigation proof!
For more detailed information & an alternative to NEVER LOSE MONEY download below & you will know WHAT REAL INFLATION IS:
"Farming & Ranching Business" &/or
"Michigan & Jim Harbaugh compensation package"
Download below & read the short article from "Medical Economics" that explains WHY & WHAT banks do differently than what the mainstream advises YOU TO DO! The banks basically create a private banking system inside their BANK!
Download below & read the short 4-part articles below from "Tax Strategy Article 1, 2 & 3" & "Interest Only Loans" written by a colleague of mine, Carlos Lara, that shares valuable insight as to the concept you are learning on this page. Carlos is President of United Services and Trust Corporation headquartered in Nashville, Tennessee since 1976. United Services and Trust is a consulting firm specializing in corporate trust services, business consulting and debtor-creditor relations. The firm’s primary services are capital formation and business reorganizations. He is a passionate advocate of Austrian Economics and frequently writes and speaks on the subject. In 2010 he co-authored How Privatized Banking Really Works with economist Robert P. Murphy. Together they publish the Lara-Murphy Report, a special on-line economic research and reporting newsletter for financial professionals.
Another HUGE issue with the mainstream advice is they DO NOT teach that TAXES DESTROY WEALTH & YOUR FINANCIAL FUTURE! Watch the video below "Truth Concepts: Laffer Curve On Cash Flow" that proves HOW & WHY TAXES DESTROY WEALTH!
Additionally watch "Truth Concepts: Car Financing and Borrowing" that explains HOW & WHY your current strategy is costing you money! So WHY aren't you minimizing your taxes instead of deferring taxes???
"Rule #1 - Never lose money. Rule #2 - Never forget Rule #1" - Warren Buffett
So we have one of the wealthiest people in the world telling us to NEVER to lose money but the mainstream is telling us to put our money in WALL STREET! You have to wonder WHY is the mainstream advice telling us to risk OUR MONEY ???
By the way, Warren Buffet made his money by diligently researching companies (which the average person does not have the time OR the knowledge of how to evaluate companies) before he bought their stock but eventually he would purchase controlling or major interest of stock in the company OR he would BUY the company outright! He was NOT in 401(k) Plans, mutual funds, etc.!
He was really in the business of buying or having controlling interest of companies!
Why do we continue to follow the paradigms THAT LOSE MONEY FOR US?
Another way to look at it - WE are programmed by our environment BUT WE DON'T HAVE TO BE!
Think of it like this, if you moved a new born baby from the United States to China that baby would grow up learning their culture & language & if you moved a new born baby from China to the United States that baby would grow up learning our culture & language! It does not matter what DNA the child has it ONLY matters what the child has been taught to believe or not believe!
Just because you "believe" something does not make it true or accurate!
The same is true with our financial education - if we just listen to the advice that produces losses like 2001 & 2008 then we are going to experience losses as well when future meltdowns happen AND THEY WILL!
THINK about this question - When Congress creates EXCESSIVE TAXATION & then provides an exception such as TAX QUALIFIED PLANS (401-k, 403-b, etc.) aren't you just a little suspicious you are being manipulated?
WHY not just cut taxes to begin with?
TAX QUALIFIED PLANS violate 3 basic TRUTHS:
1) TAXES are going to go up! They have gone up since 1913! 2) It is better to pay taxes prior to saving your money than on the lump sum later in life. 3) A dollar is ALWAYS worth more today than in the future because of INFLATION. More on inflation in the "HOW to control YOUR MONEY" download!
There are so many signs for us to see (as described above) to change our PARADIGMS about money but it is only YOU that can change how you THINK by educating yourself through self awareness & not following the crowd!
For those that follow the teaching of Dave Ramsey you may want to click HERE.
Here is one of the fallacies touted by the mainstream financial gurus:ACTUAL ANNUALIZED RETURN vs AVERAGE ANNUALIZED RETURN!
Here is a very basic hypothetical example:
Say you had $100,000 & you invested in a "so called" good mutual fund & received a 100% return in year 1 - you now have $200,000.
Then in year 2 you take a 50% loss so you are now back to your original $100,000 in your account.
Now lets take the 100% gain & subtract the 50% loss & you have a 50% overall gain now divide that by the 2 years & you have a 25%AVERAGE ANNUALIZED RETURN but your ACTUAL ANNUALIZED RETURN was really $0.00& that is unfortunately the smoke and mirrors that has duped the unsuspecting individual, family or business owner.
Here is a way for you to change your own paradigm & PROVE the value of your current financial strategy! Click HERE to use a calculator (created by colleagues of mine) showing how inflation & losses in the market CAN & WILL have a detrimental affect on your financial future! You can create interesting scenarios with "Investor A" & "Investor B" on this calculator. You can use the following to login or register your own account.
Username: truth Password: truth777
To provide more detail as to the concept I teach that is a complete 180 from the mainstream advice that guarantees you will NEVER lose money please download below the "HOW to control YOUR MONEY" and watch the video "Truth Concepts: Car Financing & Borrowing" that will prove why the mainstream advice is costing people future wealth!
Also you will want to download below & read "Infinite Banking - How it Works By Gary Vande Linde". As an engineer Gary needed to demonstrate that a particular piece of equipment or machinery or change in process would generate either increased revenues or decrease cost enough to pay for the modification in two years or less. Gary explains WHY & HOW Infinite Banking benefits personal & business strategies!
For those that learn better visually please click HERE to watch the INFINITE BANKING VIDEOS.
WHY not PROFIT FROM YOUR OWN DEBT like the banks do when you borrow money from them? Would you have more money if you could have all the money you paid for the use of someone else's money (vehicle loans, lines of credit, mortgages, business loans, etc.) OR when you paid cash for major purchases never to have that money grow for you anymore?
To really understand economics & how it affects your financial future & our responsibility to future generations then PLEASE download & read "Economics in ONE Lesson". You will also learn WHAT our role is as a citizen & WHY we should DEMAND LESS TAXATION! This book should be MANDATORY READING FOR EVERY CITIZEN!
The short essay below is called "The Pension Idea" and explains why government or company controlled pensions manipulate & destroy the free market. Download below & read & share with anyone you would like as well as any downloadable information on this website.
If I could show you how to create a system to PROFIT FROM YOUR OWN DEBT - WOULD YOU?
If you have any questions or would like to implement the process I teach please complete the form below or you may call, text or email me anytime.
What can I do for you?
Whether individual or business owner I will help you change your paradigms about money so you understand what causes financial meltdowns and how to change your financial future so you have guaranteed growth & turn your liabilities into assets.
My field of expertise
Teach individuals or business owners how to:
minimize taxation so you keep more of what you earn
minimize the effects of inflation in your financial plan
creditor protect your wealth (in most states)
provide a more efficient use of your MONEY
"The PROBLEM" & "The SOLUTION" pages will provide a COMPLETE education for those that would like more FACTS to support what you have learned on this page. The information will provide the KNOWLEDGE you need to change YOUR PARADIGMS ABOUT MONEY & YOUR FINANCIAL FUTURE!
The information I present is to provide an EDUCATION so everyone can THINK and make more informed decisions for their financial future.
I am not rendering tax, legal, accounting or investment advice!