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Articles about the IBC process and supporting financial topics. Enjoy and if you find the content helpful, please share it.  
Investment management Chilliwack

Becoming Your Own Banker is a financial strategy focused on your benefits not the banks benefits. A way to grow your future financial success and the potential of a dividend-paying life insurance. It’s neither a sales nor a marketing tool for whole life insurance brokers.


Infinite banking concept
Infinite banking concept

The Infinite Banking Concept is a process, not a product.  The whole idea is to recapture the interest that one is presently paying to banks and finance companies for the major items that we need during a lifetime, such as vehicles, property, investment opportunities, business equipment, etc…


The ability to borrow from a life insurance asset, called cash value, has been common knowledge for many years. However, there are many details about the advantages of borrowing from insurance that are unknown to the general public.

What is the money multiplier

The money multiplier is generally referring to a formula used in macroeconomics and stemming from the Keynesian school of economic thought. It is typically aligned with the concept of fractional reserve banking and how the overall money supply can be increased…

Paid Up Additions

PUA (PUAR) rider or simply the paid-up additions rider is a unique feature of insurance that has been discussed at length in designing a policy or system of policies that would enable the policy owner to properly implement The Infinite Banking Concept…

Corporate owned life insurance (COLI)

 You already know that Life Insurance can help protect your business by making funds available to pay off debts, to fund buy sell agreements, and keep the business running. But did you know it can also benefit you and your business during your lifetime?

individual retirement accounts in canada

Canada has many types of retirement accounts that are available. The most commonly discussed around the water cooler are the TFSA and RRSP. However, there are many more to note. You may even have one of these or end up with one in the future.

what is a personal balance sheet

Like other people globally, Canadians often have new year resolutions and dreams of improving their financial situation. However, these goals never seem to see the light of day. In fact, a report has it that 80% of these dreams don't reach the quarter-year mark…


Life insurance Canada - Ascendant Financial Inc

Life insurance is a contract between the insurance policyholder and the company. If you pass away during the term of the contract, the insurance company promises to pay the death benefit in terms of tax free money to those you designate as beneficiaries.

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Risk Management - Risk assessment, Investment diversification, Risk tolerance, Risk mitigation strategies

Risk management

Risk Management – Assessment, Investment diversification, Tolerance, Mitigation strategies Risk management is

Insurable interest - Trustee, Assumption, Requirements, Legal necessities, Beneficiaries, Underwriters

Insurable interest

Insurable interest with Ascendant Financial What is Insurable interest? The term “insurable

Inheritance tax - Types, Assets, Rates, Exemptions, Thresholds, Laws, Plans, Strategies, Relief

Inheritance tax

Inheritance tax with Ascendant Financial What is Inheritance tax? The term Inheritance

Income tax - How to lower, Lowest, Provincial, Tax Brackets, Dividend income

Income tax

Income tax with Ascendant Financial What is Income tax in Canada? Income

Corporate tax - Calculator, Federal, Provincial Exemption

Corporate tax

Corporate tax with Ascendant Financial What is Corporate tax? Corporate tax, or

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