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Welcome to the Wealth Without Bay Street podcast, a Canadian guide to building dependable wealth. Join Richard Canfield and Jayson Lowe as they unlock the secrets to creating financial peace of mind in an uncertain world. Discover the strategies and mindsets to a financial future you can bank on. Discussing The Infinite Banking Concept and strategy of BecomingYour Own Banker in Canada as only Canucks can!
Episodes

Tuesday Sep 08, 2020
27. The Infinite Banking Concept Suits Everyone - Client Series
Tuesday Sep 08, 2020
Tuesday Sep 08, 2020
Here we are showcasing another wonderful IBC practitioner. Joining Jayson & Richard today is fellow practitioner, Sandy Bard. Sandy & her husband, Lance, have been practicing the IBC process for approximately 5 years. She has definitely become accustomed to making the Infinite Banking Concept a lifestyle with her daily progress tracking and, of course, with the implementation of the process itself. Listen as Sandy boasts about the many benefits of having a Dividend-Paying Whole Life Insurance Policy, how it’s helped them through the pandemic & how it’s given them peace of mind.
IN THIS EPISODE, YOU WILL LEARN:
- [00:01:49] Sandy’s IBC Journey
- [00:10:05] How The Pandemic Would Have Affected Sandy 6 Years Ago
- [00:16:21] Advice For People At The Very Beginning
- [00:22:35] Has Sandy’s Cash Values Ever Gone Down?
- [00:27:32] How To Take The Same Educational Course Sandy Did
🎙️ WEALTH WITHOUT BAY STREET LINKS
Podcast Website: https://wealthwithoutbaystreet.com/
Follow us on Facebook: https://wealthwithoutbaystreet.com/fb
Subscribe to our Youtube Channel: https://wealthwithoutbaystreet.com/yt
Book a 15-minute call: https://wealthwithoutbaystreet.com/15mincall
To Access our COVID 19 Q&A session with special guests please click here: https://wealthwithoutbaystreet.com/covidqanda
💻 Sign up for the MasterClass TODAY! https://wealthwithoutbaystreet.com/masterclass
📚 IBC RESOURCES
Becoming Your Own Banker by R. Nelson Nash Book:
https://wealthwithoutbaystreet.com/ownbankerbook
The Case for IBC by Robert Murphy, Carlos Lara & R. Nelson Nash: https://wealthwithoutbaystreet.com/IBCcase
The And Asset by Caleb Guilliams:
https://wealthwithoutbaystreet.com/theandasset
📽️ WATCH THE DOCUMENTARY
Documentary Film This is Nelson Nash: https://www.ascendantfinancial.ca/nelson-nash-film/
💸 Financial Advisor? Learn about the Infinite Banking Concept here: Nelson Nash Institute Practitioner Program: https://infinitebanking.org/practitioners-program/ref/6/
EVA - Economic Value Add The Real Key To Creating Wealth Article: https://infinitebanking.org/the-real-key-to-creating-wealth/ref/6/

Tuesday Sep 01, 2020
26. CPA Solutions For A Business Owners Whole Life
Tuesday Sep 01, 2020
Tuesday Sep 01, 2020
Joining Jayson and Richard today is National Director, Tax and Estate Planning at IDC Worldsource Insurance Network Inc. and fellow Infinite Banker, Frank Abate. As you will hear, Frank is very passionate about helping business owners get free from the Tax Man. Just like Richard and Jayson, Frank has helped many people gain back their confidence and financial abilities with Dividend-Paying Participating Whole Life Insurance Policies. Listen as the guys explain the impact the Infinite Banking Concept has helped change the lives of many business owners and their families.
IN THIS EPISODE, YOU WILL LEARN:
- [00:07:25] Why Do CPA’s Often Miss This Strategy?
- [00:14:00] Why This Works With Business Owners & Their Corporate Plans
- [00:23:53] Tax Advantages
- [00:37:45] What Is Frank’s Inspiration?
- [00:45:56] Who Does Frank Want To Be A Hero Too?
📌 EPISODE LINKS:
Follow Frank Abate
On LinkedIn: https://www.linkedin.com/in/frank-abate-383722114/
Frank’s Message on Youtube - Power of Private Corporations Putting cash into Life policies: https://www.youtube.com/watch?v=69v5abV82iA
Frank Abate, Transferring Ownership of a Life Insurance Policy: https://www.youtube.com/watch?v=cj7iGk6NkaU
Frank walking through a Canadian Corporate Policy case: https://www.youtube.com/watch?v=hmmKyioRevM
🎙️ WEALTH WITHOUT BAY STREET LINKS
Podcast Website: https://wealthwithoutbaystreet.com/
Follow us on Facebook: https://wealthwithoutbaystreet.com/fb
Subscribe to our Youtube Channel: https://wealthwithoutbaystreet.com/yt
Book a 15-minute call: https://wealthwithoutbaystreet.com/15mincall
To Access our COVID 19 Q&A session with special guests please click here: https://wealthwithoutbaystreet.com/covidqanda
💻 Sign up for the MasterClass TODAY! https://wealthwithoutbaystreet.com/masterclass
📚 IBC RESOURCES
Becoming Your Own Banker by R. Nelson Nash Book:
https://wealthwithoutbaystreet.com/ownbankerbook
The Case for IBC by Robert Murphy, Carlos Lara & R. Nelson Nash: https://wealthwithoutbaystreet.com/IBCcase
The And Asset by Caleb Guilliams:
https://wealthwithoutbaystreet.com/theandasset
📽️ WATCH THE DOCUMENTARY
Documentary Film This is Nelson Nash: https://www.ascendantfinancial.ca/nelson-nash-film/
💸 Financial Advisor? Learn about the Infinite Banking Concept here: Nelson Nash Institute Practitioner Program: https://infinitebanking.org/practitioners-program/ref/6/
EVA - Economic Value Add The Real Key To Creating Wealth Article: https://infinitebanking.org/the-real-key-to-creating-wealth/ref/6/

Tuesday Aug 04, 2020
22. The Power of Policy Loans
Tuesday Aug 04, 2020
Tuesday Aug 04, 2020
Taking energy out of the commercial banking system and adding that energy into your own system makes so much sense especially in times like we are facing right now. Even through a global pandemic, Participating Dividend-Paying Whole Life Insurance Policies shines through like a beacon in the night. Once you own one of these fabulous policies, as long as you have a cash balance available, you will never have to “qualify” to gain access to that amount. During this pandemic, these policies have been even more beneficial to their owners because they’re been able to do things like keep their employees paid, and most importantly, keep their families fed. Being co-owners of an insurance company, participating in the divisible surplus of the profits of that company on a yearly basis is a way that you’re able to take control of your money while receiving the piece of mind knowing that you’re able to take care of things when needed. Listen as Jayson and Richard discuss these topics as well as the benefits of owning a completely unstructured loan where you’re able to dictate the terms.
🎙️ WEALTH WITHOUT BAY STREET LINKS
Podcast Website: https://wealthwithoutbaystreet.com/
Follow us on Facebook: https://wealthwithoutbaystreet.com/fb
Subscribe to our Youtube Channel: https://wealthwithoutbaystreet.com/yt
Book a 15-minute call: https://wealthwithoutbaystreet.com/15mincall
To Access our COVID 19 Q&A session with special guests please click here: https://wealthwithoutbaystreet.com/covidqanda
💻 Sign up for the MasterClass TODAY! https://wealthwithoutbaystreet.com/masterclass
📚 IBC RESOURCES
Becoming Your Own Banker by R. Nelson Nash Book:
https://wealthwithoutbaystreet.com/ownbankerbook
The Case for IBC by Robert Murphy, Carlos Lara & R. Nelson Nash: https://wealthwithoutbaystreet.com/IBCcase
The And Asset by Caleb Guilliams:
https://wealthwithoutbaystreet.com/theandasset
📽️ WATCH THE DOCUMENTARY
Documentary Film This is Nelson Nash: https://www.ascendantfinancial.ca/nelson-nash-film/
💸 Financial Advisor? Learn about the Infinite Banking Concept here: Nelson Nash Institute Practitioner Program: https://infinitebanking.org/practitioners-program/ref/6/
EVA - Economic Value Add The Real Key To Creating Wealth Article: https://infinitebanking.org/the-real-key-to-creating-wealth/ref/6/

Tuesday Jul 28, 2020
21. Real Estate Investing with Infinite Banking
Tuesday Jul 28, 2020
Tuesday Jul 28, 2020
When it comes to real estate, most people think, “Location, Location, Location.” Why not say, “Location of the Equity, Location of the Equity, Location of the Equity?” When you have a Participating Dividend-Paying Whole Life Insurance Policy, all of the cash value in the policy is growing daily, uninterrupted by the loan balance. Is this a possibility when getting a mortgage from a bank? Absolutely not. As all real estate investors know, having access to capital is very important. So, our question to you is, why get a loan from a bank when you can borrow money from your insurance policy and pay yourself back? Inside the process of Becoming Your Own Banker, you will see all the benefits that these policies can do to your life. The longer you let someone else control the function of banking in your life, the longer you’re penalizing yourself.
Become Your Own Banker….It’s a Win-Win Situation!
🎙️ WEALTH WITHOUT BAY STREET LINKS
Podcast Website: https://wealthwithoutbaystreet.com/
Follow us on Facebook: https://wealthwithoutbaystreet.com/fb
Subscribe to our Youtube Channel: https://wealthwithoutbaystreet.com/yt
Book a 15-minute call: https://wealthwithoutbaystreet.com/15mincall
To Access our COVID 19 Q&A session with special guests please click here: https://wealthwithoutbaystreet.com/covidqanda
💻 Sign up for the MasterClass TODAY! https://wealthwithoutbaystreet.com/masterclass
📚 IBC RESOURCES
Becoming Your Own Banker by R. Nelson Nash Book:
https://wealthwithoutbaystreet.com/ownbankerbook
The Case for IBC by Robert Murphy, Carlos Lara & R. Nelson Nash: https://wealthwithoutbaystreet.com/IBCcase
The And Asset by Caleb Guilliams:
https://wealthwithoutbaystreet.com/theandasset
📽️ WATCH THE DOCUMENTARY
Documentary Film This is Nelson Nash: https://www.ascendantfinancial.ca/nelson-nash-film/
💸 Financial Advisor? Learn about the Infinite Banking Concept here: Nelson Nash Institute Practitioner Program: https://infinitebanking.org/practitioners-program/ref/6/
EVA - Economic Value Add The Real Key To Creating Wealth Article: https://infinitebanking.org/the-real-key-to-creating-wealth/ref/6/

Tuesday Jun 30, 2020
17. Finding the Money to Get Started (Live Podcast Session)
Tuesday Jun 30, 2020
Tuesday Jun 30, 2020
Today Richard and Jayson discuss important aspects of Nelson Nash’s book, “Becoming Your Own Banker.” This book shows that the need for finance, during your lifetime, is much greater than the need for protection. The process of becoming your own banker will solve this need and by doing it you will also end up with more life insurance than “regular” life insurance companies will issue. Join them to hear all about Participating Dividend-Paying Whole Life Insurance and how easy it is to get started once you’re able to figure out where your money is currently moving. Funding your IBC program and capitalization is critical to get your system off the ground. This episode helps bring ideas on how to rethink your monthly and annual cash flow to find more capital to grow your own banking system.
🎙️ WEALTH WITHOUT BAY STREET LINKS
Podcast Website: https://wealthwithoutbaystreet.com/
Follow us on Facebook: https://wealthwithoutbaystreet.com/fb
Subscribe to our Youtube Channel: https://wealthwithoutbaystreet.com/yt
Book a 15-minute call: https://wealthwithoutbaystreet.com/15mincall
To Access our COVID 19 Q&A session with special guests please click here: https://wealthwithoutbaystreet.com/covidqanda
💻 Sign up for the MasterClass TODAY! https://wealthwithoutbaystreet.com/masterclass
📚 IBC RESOURCES
Becoming Your Own Banker by R. Nelson Nash Book:
https://wealthwithoutbaystreet.com/ownbankerbook
The Case for IBC by Robert Murphy, Carlos Lara & R. Nelson Nash: https://wealthwithoutbaystreet.com/IBCcase
The And Asset by Caleb Guilliams:
https://wealthwithoutbaystreet.com/theandasset
📽️ WATCH THE DOCUMENTARY
Documentary Film This is Nelson Nash: https://www.ascendantfinancial.ca/nelson-nash-film/
💸 Financial Advisor? Learn about the Infinite Banking Concept here: Nelson Nash Institute Practitioner Program: https://infinitebanking.org/practitioners-program/ref/6/
EVA - Economic Value Add The Real Key To Creating Wealth Article: https://infinitebanking.org/the-real-key-to-creating-wealth/ref/6/

Thursday Apr 09, 2020
11. Get The Truth, Not Just Opinions | WWBS Podcast
Thursday Apr 09, 2020
Thursday Apr 09, 2020
You want financial freedom? You want the ability to take advantage of the opportunities as they arise?
Then you need to take responsibility and invest the time to understand how money works and not just leave your livelihood on the opinions of the media or advisors that do not have a grasp of the complete picture either. People reach absurd conclusions with limited information. Don’t get caught in that trap. Get the truth, not just opinions
Understand how these financial systems work, get your advisors to show you so that you really understand it for yourself. There is so much misinformation and it’s on each of us to ensure we’re getting the right stuff. Before we make these critical choices.
Today we talk to Todd Langford. Founder and CEO of a software platform called Truth Concepts. Todd has trained thousands of industry professionals on how to use financial software effectively so they are able to see through the garbage that’s out there and empower them to make decisions for themselves and their clients with confidence while fixing the financial stress going on in so many people's lives.
If there is one thing you want to get absolutely clear on, it is why. Why are you wanting to do x? What does that mean in your life?
If you don’t understand the problem, the solution does not matter.
This is an episode to dig into if you’re looking for clarity.
Read the rest of this entry »

Tuesday Mar 31, 2020
10. IBC a safe, liquid retirement solution | WWBS Podcast
Tuesday Mar 31, 2020
Tuesday Mar 31, 2020
The Infinite Banking Concept is about a process, not a product.
This podcast is our way of ensuring we provide our clients with the best, most accurate, clear and complete information about the process of using dividend-paying whole life insurance policies as a vehicle for controlling the banking function in your life.
Thee is a lot of information out there and it is missing the context of the complete picture. This is not just about whole life insurance. That narrow field of view is leading people down the wrong path without enough information and missing the bigger picture.
Here’s the thing. If you had a belief that water was bad because your limited understanding of it was that people drown in it, that does not make it true, that just makes it incomplete.
We are taking the necessary measures to ensure people are provided with the proper and necessary education. And Bob Murphy’s book “The Case for IBC” along with R. Nelson Nash’s “Becoming Your Own Banker” is the 1-2 punch to a complete understanding of what IBC actually is and how it works and how you control the banking function in your life.
As you begin to understand how this process works, you will see that this does not close doors to other opportunities, ways of operating or access to alternative investments, but supports and complements those opportunities.
Understanding and owning the banking function sets you up to be able to take advantage of the best options out there.
Don’t assume you have all the information or that your sources do either. Keep exploring. It is inclusive, not exclusive. Get your information from an experienced and authorized Infinite banking practitioner.
Read the rest of this entry »