Infinite Banking (IBC)
“How do I become my own banker?”
Save first into a whole life policy, then borrow against its cash value. Maximizes banking discipline; growth depends on how much you can save.
Tom Southard · Certified Retirement Counselor (CRC®)
Make the money you already spend build an asset you own.
WealthPrecepts helps tech professionals and families build tax-advantaged wealth with cash value life insurance: liquidity during your working years, protection from market downturns, and tax-free future income.
Flagship strategy
VECTOR Hyperfund
Three established ways to use life insurance as a financial tool each ask a different question. VECTOR Hyperfund combines the self-banking flexibility of the first with the capital-building power of the second, in one indexed universal life policy you fully own and control.
Premium financing
“How do I use the bank's money to buy more than I could fund myself?”
Maximizes leverage, at the cost of shared control, a lender's interest rate, and a multi-year wait before you can access the policy.
VECTOR Hyperfund
“How do I build the largest, most flexible pool of capital I can, without giving up control or waiting on someone else's timeline?”
Redirects cash flow you already send out each month through the policy first, then meets those obligations with policy loans.
- Flexible funding. Increase, decrease, accelerate or pause premiums as income changes, with no lender's terms attached.
- Full ownership. No bank holds a collateral position on your policy.
- Downside protection. A policy's account value will never decrease due to a down market.
- Tax-free future income. Access cash value through policy loans, with no age restrictions and no required minimum distributions.
What Tom helps with
Protection and income, planned together
Life insurance
Coverage for the years your family depends on your income. Buying term now also locks in your health rating, and many policies can later convert to permanent coverage.
Calculate your coverage gapLong-term care
Plan for the cost of care later in life so it doesn't derail your retirement or fall on your family.
Will Medicare pay for long-term care?Annuities
Protected, predictable income that works like a personal pension, and a buffer against market volatility in retirement.
Talk it through with Tom
About Tom
An engineer's path to tax-efficient wealth
Tom Southard served as an Air Force officer in satellite operations, wrote software at Lockheed, helped build two startups, and led technical support for more than 1,400 hospitals as a vice president. When he left the tech world with a significant stock package, the tax bill that followed changed how he thought about money.
That experience led him to study the tax side of finance and to the strategies he teaches today. Tom is a Certified Retirement Counselor (CRC®) and the author of Waze To Wealth. He works with engineers, product leaders, designers and their families, and shares plain-language education so people can make informed decisions whether or not they work with him.
His working principle: knowledge is only power if it's applied.
More about TomComing soon
The WealthPrecepts learning portal
Short lessons for clients and anyone exploring these strategies: how indexed universal life works, the three tax buckets, building layered retirement income, and protecting the people you love.
See what your own numbers could do.
A free discovery call is a conversation, not a pitch. Bring your questions about taxes, coverage or retirement income.
Book a free discovery call