Stop Paying Banks to Use Your Money.
Start Building Your Own Financial System.
We teach entrepreneurs, business owners, and families how to turn their largest expense—debt—into their greatest asset. Learn the strategy to create a private pool of capital for financing, investing, and building a protected legacy.
The Wealth-Building Paradox
You work hard to build your income and business, but traditional financing keeps you in a wealth-draining cycle. Does this sound familiar?
The Debt Trap
Every car loan, mortgage, and business loan payment sends your wealth to a bank, never to be seen again. You're building their balance sheet, not your own.
The Savings Dilemma
To pay for big purchases or invest, you have to deplete your savings. This interrupts compound growth and forces you to start over from zero every time.
Inefficient Capital
Your money is either safe and earning nothing (in a bank) or growing but at risk (in the market). There's no effective way to have both liquidity and growth simultaneously.
Our Strategy: Building Your Private Reserve
We focus on one thing: structuring high cash value, dividend-paying whole life insurance policies to serve as your personal financing system. It's a method of using leverage and arbitrage to recapture debt costs and accelerate wealth.
How It Works: A Simple Analogy
Imagine your policy is a secure warehouse for your capital. Your money inside grows, tax-deferred, through guaranteed interest and non-guaranteed dividends from a mutual insurance company.
When you need cash for a major purchase, you don't empty your warehouse. Instead, you take a loan from the insurance company, using your "warehouse inventory" as collateral. Your capital never leaves the warehouse, so it continues to compound as if you never touched it. This is the power of uninterrupted compounding.
See a Personalized IllustrationPolicy Loans vs. Traditional Financing
| Feature | Policy Loan | Bank Loan |
|---|---|---|
| Approval Process | Contractual Right (No Underwriting) | Lengthy Underwriting & Credit Check |
| Repayment Terms | Completely Flexible (Your Schedule) | Rigid, Required Monthly Payments |
| Impact on Growth | Your Cash Value Continues Compounding | Removes Capital, Forfeits Growth |
| Privacy | Private Transaction (Not on Credit Report) | Appears as Debt on Credit Report |
| Access to Capital | Typically Within Days | Weeks or Months |
Built For Disciplined Wealth Builders
This isn't a strategy for everyone. It is specifically designed for disciplined individuals, families, and business owners who want to take control of their financial future.
Entrepreneurs & Business Owners
Create a financial "moat" for your business. Use policy loans for equipment financing, managing cash flow, or funding new opportunities without giving up equity.
Commissioned Professionals
Smooth out variable income. Build a stable cash reserve you can tap into during lean months, all while it continues to grow and compound for your future.
Middle-Class Families
Break the cycle of consumer debt. Use this strategy to finance cars, home renovations, and even college tuition, effectively recapturing the interest you would have paid to banks.
High-Income Earners
Shelter a portion of your income in a tax-advantaged vehicle that provides competitive growth, asset protection, and tax-free access to capital.
Real Estate Investors
Gain a competitive edge with a ready source of liquid capital for down payments and renovations, bypassing the slow and costly process of traditional financing.
Anyone Seeking Financial Control
If you are tired of relying on banks and want to build a financial system that you own and control, this strategy is for you.
Download Your Free "Debt to Wealth" Guide
Get our comprehensive guide, "The Debt to Wealth Blueprint: How to Build Your Own Private Bank," and learn the detailed mechanics of this powerful strategy.
A Radically Transparent Approach.
This strategy is a powerful tool, but it's not a magic wand. Our process is built on education and radical transparency. We believe in showing you the full picture—the pros, the cons, the costs, and the precise numbers—so you can make an informed decision.
We don't sell products; we build long-term relationships and design sophisticated financial systems. Our commitment is to provide you with the knowledge and tools to take more control of your financial life. We succeed when you succeed.
Our Team's Credentials
Led by Troy Manzi, our team consists of state-licensed insurance professionals with deep expertise in policy design for maximum cash value. We are committed to ongoing education to stay at the forefront of the industry.
Troy Manzi
Founder & Lead Strategist
Ready to See Your Numbers?
Request a complimentary, no-obligation Educational Blueprint. We'll run a personalized illustration showing you exactly how a Private Reserve could be structured for your specific age, capital, and financial goals.
Request Your Educational Blueprint
Frequently Asked Questions
For long-term capital, this strategy offers advantages a bank account cannot, such as tax-deferred growth, potential dividends, asset protection in many states, and an income-tax-free death benefit. A bank account is better for short-term liquidity, but it typically offers minimal growth that is subject to taxes.
This is a long-term strategy. The cash value takes time to grow efficiently. If you surrender the policy in the early years, you may receive less than the total premiums paid. Also, outstanding policy loans reduce the death benefit and can cause the policy to lapse if not managed properly, which could create a tax liability.
A policy's growth comes from guaranteed interest and non-guaranteed dividends. While past performance is not indicative of future results, the major mutual companies we work with have a long history of paying dividends. We will show you detailed illustrations with both guaranteed and non-guaranteed projections in your blueprint session.
This is a highly specialized strategy that requires specific knowledge of policy design. Many advisors are focused on managing assets under management (AUM) and may not be familiar with, or licensed to implement, these types of insurance-based strategies.