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## Sitemaps

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## Posts

- [WordPress Resources at SiteGround](https://clients.ascendantfinancial.ca/wordpress-resources-at-siteground/) - WordPress is an award-winning web software, used by millions of webmasters worldwide for building their website or blog. SiteGround is proud to host this particular WordPress installation and provide users with multiple resources to facilitate the management of their WP websites: Expert WordPress Hosting SiteGround provides superior WordPress hosting focused on speed, security and customer

## Pages

- [Home](https://clients.ascendantfinancial.ca/) - Welcome to the Client Portal This is a portal for clients to learn more and practice the process of Becoming Your Own Banker Login To The Client Portal Go To Home Becoming Your Own Banker Get started on your journey today! Be in Demand with Our Professional Training Lorem ipsum dolor sit amet, consectetur adipiscing
- [Thank You](https://clients.ascendantfinancial.ca/thank-you/) - Welcome to the Family Banking Summit. You’re in. Head over to the courses to access your training and start building the financial foundation your family deserves.
- [About](https://clients.ascendantfinancial.ca/about/) - About Us Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis. Our Story Lorem ipsum dolor sit amet, consectetur adipiscing elit. Proin placerat, neque nec posuere tincidunt, dolor libero pharetra ex, nec iaculis metus nibh a libero. Suspendisse laoreet neque et commodo viverra. Nullam vestibulum urna sed turpis fringilla,

## Courses

- [Client Coaching Training Recordings](https://clients.ascendantfinancial.ca/courses/client-coaching-recordings/) - Client Coaching Sessions (Recorded Events) You are not yet enrolled in this course. Quarterly Training Replays for Active Infinite Banking Practitioners In this section you will discover… Frequently Asked Questions on Becoming Your Own Banker Additional Learning Resources (Nelson Nash Videos, Boot Camps) Client Coaching Sessions (Recorded events) Case Studies (Specific cases or Use
- [IBC Case Study Library](https://clients.ascendantfinancial.ca/courses/special-events-replay/) - Special Event Replays Welcome to our Special Event Replays. This series shows you the different use case scenarios of Becoming Your Own Banker and help to increase your creativity in implementation of this process. You will get access to on-going special event replays

## Lessons

- [Now's The Best Time To Expand Your Family Banking System (FBS)™](https://clients.ascendantfinancial.ca/lessons/nows-the-best-time-to-expand-your-family-banking-system-3/) - What You Will Learn This session lays the foundation for the Infinite Banking Concept by challenging conventional financial thinking and emphasising the importance of taking control of the banking function in your life. You will learn why most financial strategies cause money to permanently leave your family and how redirecting that flow creates long-term control,
- [Lifecycle Of Infinite Banking](https://clients.ascendantfinancial.ca/lessons/lifecycle-of-infinite-banking-3/) - What You Will Learn This session breaks down the core thinking behind becoming your own banker, showing that wealth is not determined by what you buy, but how you finance everything in your life. You will understand the hidden cost of paying cash, the power of uninterrupted compounding, and how shifting control of the banking
- [Profit First](https://clients.ascendantfinancial.ca/lessons/profit-first-3/) - What You Will Learn This session introduces the Profit First system and shows how controlling cash flow is the missing link that accelerates building a successful Family Banking System (FBS)™. You will learn how reversing the traditional profit formula creates clarity, forces discipline, and ensures consistent capital is available for wealth-building strategies. By the end,
- [Intergenerational Family Banking + MORE](https://clients.ascendantfinancial.ca/lessons/intergenerational-family-banking-more-3/) - What You Will Learn This session brings family banking to life through a real multi-generational case study, showing how everyday financial decisions either destroy or compound long-term wealth. You will learn how recapturing interest, involving family members, and thinking long range transforms money into a tool for legacy, passive income, and generational impact. By the
- [Advisor Panelist QnA](https://clients.ascendantfinancial.ca/lessons/advisor-panelist-qna-3/) - What You Will Learn This session dives into the practical realities of building, scaling, and managing a Family Banking System (FBS)™, while addressing the most common questions around policies, cash flow, and long-term strategy. You will learn how to think in systems instead of individual policies, when to expand your program, and how discipline and
- [Tracking Your Family Banking System (FBS)™](https://clients.ascendantfinancial.ca/lessons/tracking-your-family-banking-system/) - Family System Tracker: A Step by Step Guide Download Tracker 1. Introduction to Tracking Your Family Banking System (FBS)™ 0:00 Richard Canfield introduces the topic of tracking the Family Banking System (FBS)™. Emphasizes the personalized nature of the tracking process. Offers a template for viewers to use. 2. Customizing Your Tracking Tool 0:09 Everyone may create or
- [Client Coaching Session (5th Feb 2022)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-5th-feb-2022/) - Client Coaching Agenda Backwards Bicycle Video Sharing & Intro Session Post Breakout Intro Session Sharing Human Conditions Deep Dive The Family Banking (Part 1) - Setting the foundation The Family Banking (Part 2) - The Meeting Agenda The Family Banking (Part 3) - Setting the foundation for 63 policies including 7 on Business Partners –
- [Now's The Best Time To Expand Your Family Banking System (FBS)™](https://clients.ascendantfinancial.ca/lessons/nows-the-best-time-to-expand-your-family-banking-system-2/)
- [Client Coaching Session (13th June 2026)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-13th-june-2026/)
- [Canada Pension Plan Loses $22 Billion, Will It Affect Me? | Henry Wong](https://clients.ascendantfinancial.ca/lessons/canada-pension-plan-loses-22-billion-will-it-affect-me-henry-wong/) - What You Will Learn Most Canadians contribute to the Canada Pension Plan for their entire working lives without ever examining what the system actually promises, what it actually delivers, and whether the math holds up over time. This session with Richard Canfield and CPA Henry Wong digs into the CPP’s own financial statements to reveal
- [Becoming Your Own Banker | Exploring the Depths of Nelson's Book](https://clients.ascendantfinancial.ca/lessons/becoming-your-own-banker-exploring-the-depths-of-nelsons-book-2/) - What You Will Learn Nelson Nash’s equipment financing section is the most commonly misread part of Becoming Your Own Banker. This deep dive through the four illustrations on pages 51 to 65 reveals exactly how a logging business owner named Terry used the process of becoming his own banker to recapture the interest he was
- [Case Study 3: Debt Recapture](https://clients.ascendantfinancial.ca/lessons/case-study-3-debt-recapture/) - What You Will Learn Paying off debt faster is not the goal. The goal is to pay off debt while simultaneously building an asset. This session walks through a detailed case study showing how a chiropractor eliminated $420,000 across 15 debts including two mortgages in 57 months without working harder, changing his cash flow, or
- [Case Study 1: You Finance EVERYTHING In Life](https://clients.ascendantfinancial.ca/lessons/case-study-1-you-finance-everything-in-life/) - What You Will Learn Every dollar you spend on financing something is gone forever whether you borrow or pay cash. This session walks through a detailed Excel case study showing how a 45-year-old changed nothing about his cash flow but changed everything about where his money went, financing multiple cars through his own policy system
- [Getting Started: Welcome To The Bankers Vault Introductory Series](https://clients.ascendantfinancial.ca/lessons/getting-started-welcome-to-the-bankers-vault-introductory-series/) - What You Will Learn This video introduces the Infinite Banking Concept by asking a simple question: what does a bank actually do, and what would change if you could do that yourself? Key Moments in This Session What a bank does and why it matters: how banks receive deposits, loan money out, and collect payments
- [Client Coaching Session (7th March 2026)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-7th-march-2026/)
- [Client Coaching Session (29th November 2025)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-29th-november-2025/)
- [Lesson](https://clients.ascendantfinancial.ca/lessons/lesson-12/)
- [Client Coaching Session (15th March 2025)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-15th-march-2025-2/)
- [Client Coaching Session (9th August 2025)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-9th-august-2025/)
- [Client Coaching Session (June 14th 2025)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-june-14th-2025-2/)
- [Client Coaching Session (June 14th 2025)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-june-14th-2025/)
- [Client Coaching Session (25th March 2023)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-25th-march-2023-2/)
- [Client Coaching Session (10th April 2021)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-10th-april-2021-2/)
- [Lesson](https://clients.ascendantfinancial.ca/lessons/lesson-13/)
- [Client Coaching Session (10th July 2021)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-10th-july-2021/)
- [Client Coaching Session (5th Feb 2022)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-5th-feb-2022-2/)
- [Client Coaching Session (15th May 2022)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-15th-may-2022-2/)
- [Client Coaching Session (17th September 2022)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-17th-september-2022-2/)
- [Client Coaching Session (24th June 2023)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-24th-june-2023-2/)
- [Client Coaching Session (26th August 2023)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-26th-august-2023-2/)
- [Client Coaching Session (25th Nov 2023)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-25th-nov-2023-2/)
- [Client Coaching Session (16th March 2024)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-16th-march-2024-2/)
- [Client Coaching Session (10th June 2024)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-10th-june-2024-2/)
- [Client Coaching Session (17th Aug 2024)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-17th-aug-2024-2/)
- [Client Coaching Session (16th Nov 2024)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-16th-nov-2024-2/)
- [Lesson](https://clients.ascendantfinancial.ca/lessons/lesson-11/)
- [Client Coaching Session (15th March 2025)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-15th-march-2025/) - Welcome & Session Overview Premium Deposit Fund & Equitable Client Access Updates Beaver Bankers Book Review: How Kids Learn IBC Basics Your Guide to Annual Family Banking Meetings Client Portal Resources: Manage Loans, Policies & More Open Q&A & Client Engagement Closing & Next Steps
- [Lesson 1](https://clients.ascendantfinancial.ca/lessons/lesson-1/)
- [Lesson](https://clients.ascendantfinancial.ca/lessons/lesson-10/)
- [test 1](https://clients.ascendantfinancial.ca/lessons/test-1/)
- [Tax Treatment of Whole Life Insurance Policies for Corporate Policy Owners](https://clients.ascendantfinancial.ca/lessons/tax-treatment-of-whole-life-insurance-policies-for-corporate-policy-owners-2/) - Click here To Download ASPE & Tax Treatment of Whole Life Insurance Policies
- [Client Coaching Session (16th March 2024)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-16th-march-2024/) - Welcome Note & Agenda Vern & Richard - Sustain Your Existing System Q&A Ashley Doyle - Estate Planning Tools 12 Step Quick Start Guide For Infinite Bankers Click Here To Download Your Guide Roman - Case study - Don't Be Afraid Of Taking Loans Comments and Q&A Question About Expanding Your System How To Fund
- [Lesson](https://clients.ascendantfinancial.ca/lessons/lesson-7/)
- [Ryan Frey - Fireside Chat](https://clients.ascendantfinancial.ca/lessons/ryan-frey-fireside-chat/)
- [Introduction (Start Here)](https://clients.ascendantfinancial.ca/lessons/introduction-start-here-2/)
- [Monday Mentoring Session 5](https://clients.ascendantfinancial.ca/lessons/monday-mentoring-session-5-3/)
- [Monday Mentoring Session 4](https://clients.ascendantfinancial.ca/lessons/monday-mentoring-session-4-3/)
- [Monday Mentoring Session 3](https://clients.ascendantfinancial.ca/lessons/monday-mentoring-session-3/)
- [Monday Mentoring Session 2](https://clients.ascendantfinancial.ca/lessons/monday-mentoring-session-2/)
- [Monday Mentoring Session 1](https://clients.ascendantfinancial.ca/lessons/monday-mentoring-session-1/)
- [Creating A Family Legacy That Lasts With Scott Donnell & Jayson Lowe](https://clients.ascendantfinancial.ca/lessons/creating-a-family-legacy-that-lasts-with-scott-donnell-jayson-lowe/)
- [Becoming Your Own Banker | Lessons From The Greatest Book Ever Written](https://clients.ascendantfinancial.ca/lessons/becoming-your-own-banker-lessons-from-the-greatest-book-ever-written-2/)
- [Becoming Your Own Banker | Exploring the Depths of Nelson's Book](https://clients.ascendantfinancial.ca/lessons/becoming-your-own-banker-exploring-the-depths-of-nelsons-book/)
- [Becoming Your Own Banker | Lessons From The Greatest Book Ever Written](https://clients.ascendantfinancial.ca/lessons/becoming-your-own-banker-lessons-from-the-greatest-book-ever-written/)
- [Monday Mentoring Session 4](https://clients.ascendantfinancial.ca/lessons/monday-mentoring-session-4-2/)
- [Monday Mentoring Session 3](https://clients.ascendantfinancial.ca/lessons/session-3-2/)
- [Monday Mentoring Session 5](https://clients.ascendantfinancial.ca/lessons/monday-mentoring-session-5-2/)
- [Monday Mentoring Session 6](https://clients.ascendantfinancial.ca/lessons/monday-mentoring-session-6-2/)
- [Devan - Deep dive with our Leadership team into the different teams, tools and high level strategies that we have to create and support Top Producers in Canada](https://clients.ascendantfinancial.ca/lessons/devan-deep-dive-with-our-leadership-team-into-the-different-teams-tools-and-high-level-strategies-that-we-have-to-create-and-support-top-producers-in-canada/)
- [Simplifying Canadian Taxes & How Much Canadians Really Pay!](https://clients.ascendantfinancial.ca/lessons/simplifying-canadian-taxes-how-much-canadians-really-pay-2/)
- [5 Ways To Reduce Taxes In Canada And Protect Your Wealth](https://clients.ascendantfinancial.ca/lessons/5-ways-to-reduce-taxes-in-canada-and-protect-your-wealth-2/)
- [Keep Taxes Away From Your Wealth (Canada)](https://clients.ascendantfinancial.ca/lessons/keep-taxes-away-from-your-wealth-canada-2/)
- [Infinite Banking Concept Fallacies and Myths](https://clients.ascendantfinancial.ca/lessons/infinite-banking-concept-fallacies-and-myths-2/)
- [Understanding the Shift in the Global Currency System](https://clients.ascendantfinancial.ca/lessons/understanding-the-shift-in-the-global-currency-system-2/)
- [Profit First](https://clients.ascendantfinancial.ca/lessons/profit-first-2/)
- [Intergenerational Family Banking + MORE](https://clients.ascendantfinancial.ca/lessons/intergenerational-family-banking-more-2/)
- [Advisor Panelist QnA](https://clients.ascendantfinancial.ca/lessons/advisor-panelist-qna-2/)
- [Lifecycle Of Infinite Banking](https://clients.ascendantfinancial.ca/lessons/lifecycle-of-infinite-banking-2/)
- [PAR vs RESP Case study](https://clients.ascendantfinancial.ca/lessons/par-vs-resp-case-study/)
- [Capital vs Investment](https://clients.ascendantfinancial.ca/lessons/capital-vs-investment-5/) - note: This image will open up the video in a new tab. Ryan Griggs - Shares why Nelson Nash is the Heir to Austrian Economist Carl Menger From Feb 2019, Ryan Griggs who trained as an Austrian Economist shares the Real critical key to IBC – Captial. It is the opposite of investment and its
- [QnA](https://clients.ascendantfinancial.ca/lessons/qna-3/)
- [Monday Mentoring Session 6](https://clients.ascendantfinancial.ca/lessons/monday-mentoring-session-6/)
- [Monday Mentoring Session 5](https://clients.ascendantfinancial.ca/lessons/monday-mentoring-session-5/)
- [Monday Mentoring Session 4](https://clients.ascendantfinancial.ca/lessons/monday-mentoring-session-4/)
- [Monday Mentoring Session 3](https://clients.ascendantfinancial.ca/lessons/session-3/)
- [Monday Mentoring Session 2](https://clients.ascendantfinancial.ca/lessons/session-2/)
- [Monday Mentoring Session 1](https://clients.ascendantfinancial.ca/lessons/session-1/)
- [Go Fast Alone or Go Far Together](https://clients.ascendantfinancial.ca/lessons/go-fast-alone-or-go-far-together/)
- [A Becoming Your Own Banker sit down with Ray](https://clients.ascendantfinancial.ca/lessons/a-becoming-your-own-banker-sit-down-with-ray/)
- [Lesson](https://clients.ascendantfinancial.ca/lessons/lesson-8/)
- [Client Coaching Session (24th June 2023)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-24th-june-2023/) - Introduction + Dividend Scale Update
- [QnA](https://clients.ascendantfinancial.ca/lessons/qna/)
- [Making loan repayments](https://clients.ascendantfinancial.ca/lessons/making-loan-repayments-2/) - 1. Login to your Client Access Account and check your outstanding loan balance. 2. Login to your online banking account and complete the following steps: a. Set Payee – Equitable life Loan paymentb. Enter your policy numberc. Enter the amount that you wish to pay back 3. Send an email to Equitable Life (inforcelifemail@equitable.ca) using
- [Lesson](https://clients.ascendantfinancial.ca/lessons/lesson-6/)
- [Family Banking 3X](https://clients.ascendantfinancial.ca/lessons/family-banking-3x/)
- [Backward Bicycle](https://clients.ascendantfinancial.ca/lessons/backward-bicycle-2/) - Rethink your Thinking – Paradigm Shift “Knowledge does not equal Understanding”Several years ago, Richard Canfield stumbled across this video and shared it with R. Nelson Nash. Nelson embraced this example as a powerful way to understand how many have to go through a process of paradigm-shifting to learn and embrace his incredible concept. One of
- [Nelson's 5th Golden Rule - Why are YOU Becoming Your Own Banker?](https://clients.ascendantfinancial.ca/lessons/nelsons-5th-golden-rule-why-are-you-becoming-your-own-banker-2/) - ~ COMING SOON ~
- [What does it mean to Become My Own Banker?](https://clients.ascendantfinancial.ca/lessons/what-does-it-mean-to-become-my-own-banker-2/) - It is not the objective but the process to reaching that objective. Watch this video to understand clearly what does it mean to Becoming Your Own Banker. P.S. We have more of such videos on our youtube channel. Visit our youtube channel here: The Bankers Vault
- [Getting your client access with Equitable Life](https://clients.ascendantfinancial.ca/lessons/getting-your-client-access-with-equitable-life-2/) - https://clients.ascendantfinancial.ca/wp-content/uploads/2020/11/How-To-Setup-Your-Client-Access-Account-HD-1080p.mov Click The Button Below To Setup Your Equitable Life Client Access: Click Here To Start Your Equitable Life Client Access Account Creation Setting Up Your Equitable Life Access 1) Once you have settled your policy, equitable life will send you a link to create your account. (This will give you access to policy details
- [Resetting your password](https://clients.ascendantfinancial.ca/lessons/resetting-your-password-2-2/) - Your Advisor will not be able to view your Equitable Client Access account nor will they be able to request a reset on your behalf. If you have forgotten your password or if you get locked out of your account: Contact Equitable Life’s Customer Service at 1-800-668-4095. Operating hours are: Monday to Thursday: 8:30 a.m. –
- [Checking policy values and other policy information](https://clients.ascendantfinancial.ca/lessons/checking-policy-values-and-other-policy-information-2/) - https://clients.ascendantfinancial.ca/wp-content/uploads/2020/11/Checking-Your-Loan-Available-amount-Outstanding-Loan-Balance-.mov *NEW* If your policy was issued after January 15, 2022, you may access a PDF copy of your policy contract through your Client Access Account. Checking Your Policy Values & Other Policy 1. Login to your client access account. 2. Under AccountOverview, you will see a list of your policies. Select a policy to
- [Linking a new policy to an existing account](https://clients.ascendantfinancial.ca/lessons/linking-a-new-policy-to-an-existing-account-2/) - 1. Login to your Client Access Account. 2. Click on the Connect Policy button on the right hand side of the screen. A Connect Existing Policy window will pop up and ask you for the details of the policy you wish to connect. 3. Enter your policy number, postal/zip code, and the Insured’s/Annuitant’s date of
- [Tool to check your Guaranteed Cash Value](https://clients.ascendantfinancial.ca/lessons/tool-to-check-your-guaranteed-cash-value-2/) - https://vimeo.com/652670731/258a7b6f45Note: At the 9:38 mark, a statement was made to say that there is a $28,000 increase. This is mistaked. The intent was to say av$28 increase and not $28,000. The actual increase on the spreadsheet is $36 over the 2-day period. Download Your Tool to check your Guaranteed Cash Value
- [Acknowledgement of Understanding Document for Clients](https://clients.ascendantfinancial.ca/lessons/acknowledgement-of-understanding-form-for-clients-2/) - Download Acknowledgement of Understanding Document
- [Taking out a policy loan](https://clients.ascendantfinancial.ca/lessons/taking-out-a-policy-loan-3/) - https://clients.ascendantfinancial.ca/wp-content/uploads/2020/08/Final-Loan-Repayment-Video.mp4 Loan Request Form & Sample Form For Reference Download Loan Request Form Download Sample Form Download Loan Repayment Commitment Form FILLING OUT A POLICY LOAN FORM 1. Download the policy loan form and print it. 2. Write your policy number and your name on the form. 3. Check your Client Access Account to check
- [Making loan repayments](https://clients.ascendantfinancial.ca/lessons/making-loan-repayments-3/) - 1. Login to your Client Access Account and check your outstanding loan balance. 2. Login to your online banking account and complete the following steps: a. Set Payee – “Equitable Life – Loan Payment”b. Enter your policy numberc. Enter the amount that you wish to pay back For more information on interest payments, Premium Deposit
- [Checking loan repayment schedule and calculating policy loan interest](https://clients.ascendantfinancial.ca/lessons/checking-loan-repayment-schedule-and-calculating-policy-loan-interest-2/) - Policy Loan Interest Example How is the interest rate calculated? The interest rate varies from one insurance company to another and is subject to change. For policy loans, simple interest accrues daily and does not compound until the anniversary date of the policy. Example 1: If you have a policy loan of $20,000 with a
- [Equitable Life Service Standards](https://clients.ascendantfinancial.ca/lessons/equitable-life-service-standards-2/) - Do take note of Equitable Service Standards and what to expect as a first year policy owner: Policy Loans – Equitable Life will process your policy loan within 5 business days. If you select the direct deposit option, it can take another 2-5 business days for the payment to clear depending on your bank. If
- [Tracking Your PUA premiums](https://clients.ascendantfinancial.ca/lessons/tracking-your-pua-premiums-2/) - Template - Client - PUA & EDO annual tracker Template - Client - PUA & EDO annual tracker (SAMPLE filled out)
- [How to Estimate Your Guaranteed Daily Cash Value Growth](https://clients.ascendantfinancial.ca/lessons/how-to-estimate-your-guaranteed-daily-cash-value-growth-2/)
- [Watch This To Get Started](https://clients.ascendantfinancial.ca/lessons/watch-this-to-get-started-2/) - Introduction into the Client Portal: Watch This First.
- [Client Coaching Session (25th March 2023)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-25th-march-2023/) - Equitable Life Of Canada Update New Equitable Life Policy Loan Process Capital Planning In Corporation Making Room For Future Windfalls
- [Client Coaching Session (17th September 2022)](https://clients.ascendantfinancial.ca/lessons/client-coaching-session-17th-september-2022/) - Client Coaching Agenda Nelson Nash Video Segment - Financial Bubbles Expanding the system to accomodate all income Flow of capital – Income policy discussion continued Rising Interest rates & Par dividends discussion - The “smoothing effect” of the Par pool with dividends The Bob Shiels 1959 first policy $198.20 per year and what he was
- [Critical Illness & Disability Income Spotlight Session](https://clients.ascendantfinancial.ca/lessons/critical-illness-disability-income-spotlight-session/)
- [Tracking Your PUA premiums](https://clients.ascendantfinancial.ca/lessons/tracking-your-pua-premiums/) - Template - Client - PUA & EDO annual tracker Template - Client - PUA & EDO annual tracker (SAMPLE filled out)
- [Premium's & Cash Value](https://clients.ascendantfinancial.ca/lessons/premiums-cash-value/)
- [Frequently Asked Questions](https://clients.ascendantfinancial.ca/lessons/frequently-asked-questions/)
- [IBC Introduction Case Study Buying 9 Cars](https://clients.ascendantfinancial.ca/lessons/ibc-introduction-snippets/)
- [Capital vs Investment](https://clients.ascendantfinancial.ca/lessons/capital-vs-investment-4/)
- [Capital vs Investment](https://clients.ascendantfinancial.ca/lessons/capital-vs-investment-3/)
- [Capital Vs Investment](https://clients.ascendantfinancial.ca/lessons/capital-vs-investment-2/)
- [Capital Vs Investment](https://clients.ascendantfinancial.ca/lessons/capital-vs-investment/)
- [Maximize your real estate returns](https://clients.ascendantfinancial.ca/lessons/maximize-your-real-estate-returns/) - Click here to download the transcript
- [The Shocking True Cost of an Education](https://clients.ascendantfinancial.ca/lessons/the-shocking-true-cost-of-an-education/) - Click here to download the transcript
- [What is your Maximum lifetime potential?](https://clients.ascendantfinancial.ca/lessons/what-is-your-maximum-lifetime-potential/) - Click here to download the transcript
- [The Whole Truth about your RRSP](https://clients.ascendantfinancial.ca/lessons/the-whole-truth-about-your-rrsp/) - Note: This video speaks about the 401K plan in the United States which is the closest equivalent to an RRSP in Canada. As a tax qualified plan, they operate pretty much the same way. Click here to download the transcript
- [Problems with Universal Life Policies](https://clients.ascendantfinancial.ca/lessons/problems-with-universal-life-policies/)
- [Banking Profits - What is the real ROI?](https://clients.ascendantfinancial.ca/lessons/banking-profits-what-is-the-real-roi/) - Click here to get the transcript
- [Lesson](https://clients.ascendantfinancial.ca/lessons/lesson-5/)
- [Lesson](https://clients.ascendantfinancial.ca/lessons/lesson-4/)
- [Taxation of Policy Loans](https://clients.ascendantfinancial.ca/lessons/taxation-of-policy-loans/)
- [Service Standard Of Equitable Life](https://clients.ascendantfinancial.ca/lessons/service-standard-of-equitable-life/)
- [Policy Loan Form](https://clients.ascendantfinancial.ca/lessons/policy-loan-form-3/)
- [Becoming Your Own Banker Bootcamp](https://clients.ascendantfinancial.ca/lessons/becoming-your-own-banker-bootcamp/)
- [Lesson](https://clients.ascendantfinancial.ca/lessons/lesson-3/)
- [Lesson](https://clients.ascendantfinancial.ca/lessons/lesson/)
- [Becoming Your Own Banker Webinar](https://clients.ascendantfinancial.ca/lessons/af-webinar/) - Do watch the webinar to understand more about the process of Becoming Your Own Banker.
- [Checking Policy Value & Other Policy Information](https://clients.ascendantfinancial.ca/lessons/checking-policy-value-other-policy-information/) - Checking Your Policy Values and Other Policy Information 1. Login to your client access account. 2. Under Account Overview, you will see a list of your policies. Select a policy to view, by clicking the green arrow on the right side of your screen. 3. A new page will open showing you your policy
- [Requesting for Your Policy Loan History](https://clients.ascendantfinancial.ca/lessons/requesting-for-your-policy-loan-history-2/) - 1. Download a Policy Loan History Request Form. 2. Write down the policy number and policy owner’s name on the form. 3. Tick “The undersigned requests The Equitable Life Insurance Company of Canada to provide a loan history for the above policy number.” 4. Specify the dates (maximum history available is seven years). 5. Sign

## Topics

- [How to Put Your Financial System on Autopilot](https://clients.ascendantfinancial.ca/topic/how-to-put-your-financial-system-on-autopilot/) - What You Will Learn When you are gone, a lump sum death benefit without clear instructions is a problem waiting to happen. This session walks through a real example of how to use annuities to convert insurance proceeds into structured income streams with specific jobs, so the Family Banking System (FBS)™ continues running for decades
- [Deeper Dive: Sample Loan Agreement, Case Studies & Resources](https://clients.ascendantfinancial.ca/topic/deeper-dive-sample-loan-agreement-case-studies-resources/) - What you will learn You will see what a fully structured family loan agreement looks like and why treating your banking system like a business protects everyone involved. We walk through the case studies section of the portal to show you how other people are using IBC in real life, from real estate to vehicles
- [Taking Loans](https://clients.ascendantfinancial.ca/topic/taking-loans/) - What You Will Learn This session continues the real estate investor case study from the previous coaching session, walking through multiple rounds of policy loans used for down payments, renovations, a flip deal, and ultimately paying off a mortgage, and showing in precise numbers what happens at age 100 when you compare simply funding the
- [Equitable Life Of Canada Update](https://clients.ascendantfinancial.ca/topic/equitable-life-of-canada-update/) - What This Covers This session breaks down Equitable Life’s recent performance and how it supports your journey as a policyholder. You’ll learn how your policy contributes to a stable, growing system, and why that matters in uncertain financial times. Why Clients Use It To understand the financial health of Equitable Life To see how dividends
- [Saving for your first home the smart way](https://clients.ascendantfinancial.ca/topic/saving-for-your-first-home-the-smart-way-2/) - What We Covered Smart Down Payment Planning Using Whole Life Insurance Roman Pushkar explains how traditional saving methods fall short and how policyholders can instead build a Family Banking System (FBS)™ that funds down payments while growing wealth. He also highlights recent Canadian mortgage changes like extended amortization and lower down payments that make homeownership
- [Case Study: Quan’s 7-Year Journey](https://clients.ascendantfinancial.ca/topic/case-study-quans-7-year-journey/) - Chapter 1 – From the Dark Ages to Discovery What You Will Learn Building wealth with your family instead of just for them requires a deliberate shift in mindset, a clear set of shared values, and a willingness to have the kind of money conversations most families avoid. Quan walks through how his family made
- [Conclusion](https://clients.ascendantfinancial.ca/topic/conclusion/) - What We Covered in This Section Family Banking in Action: Building Wealth & Control Together This session showcases how a family united under the Infinite Banking Concept can create lasting financial control. By pooling resources, maintaining clean accounting, and automating repayments, they free themselves from commercial bank dependence while strengthening their position for better loan
- [Client Portal Resources: Manage Loans, Policies & More](https://clients.ascendantfinancial.ca/topic/client-portal-resources-manage-loans-policies-more/) - What We Covered in This Session Using the Client Portal (starts at 00:00 mins)How to log in, search for resources like “policy loans,” and register for coaching. Learning from Past Videos (starts at 01:06 mins)Watch examples of how others structure repayments, including a 22-min video on the Premium Deposit Fund. Loan Tools & Templates (starts
- [4 - Multi generational Wealth Building Strategies](https://clients.ascendantfinancial.ca/topic/4-multi-generational-wealth-building-strategies/) - What We Covered How the Family Banking System (FBS)™; leveraging cash‑value life insurance, can create sustainable, tax‑efficient passive income for retirees and build intergenerational wealth, often outperforming traditional RRSP or pension strategies. Why Clients Use This Strategy Clients turn to multi-generational wealth building through the Family Banking System (FBS)™ because traditional retirement plans often fall
- [Six Questions for everyone to answer related to their journey with IBC](https://clients.ascendantfinancial.ca/topic/six-questions-for-everyone-to-answer-related-to-their-journey-with-ibc/) - What This Covers A reflective group session where clients answer six thought-provoking questions about their Infinite Banking Concept (IBC) journey, sharing mindset shifts, personal wins, and practical strategies. Why Clients Use It To gain perspective from others at different stages of the IBC process To reaffirm their own reasons for starting and continuing To uncover
- [Welcome Note & Agenda](https://clients.ascendantfinancial.ca/topic/welcome-note-agenda-2/) - What This Covers An opening session laying out the learning objectives, speaker agenda, and a tribute to Nelson Nash — the founder of the Infinite Banking Concept. Includes: Full session agenda overview Acknowledgment of Nelson Nash’s legacy Core principles of the Family Banking System (FBS)™ Group prayer and intention setting Why Clients Use It To
- [The Family Banking (Part 2) - The Meeting Agenda](https://clients.ascendantfinancial.ca/topic/the-family-banking-part-2-the-meeting-agenda/) - Purpose To keep the family aligned on the principles, rules, and practices of the Family Banking System (FBS)™ while reinforcing financial literacy and stewardship across generations. 1. Logistics Meeting Duration: Recommended 1 hour (to keep it focused and engaging) Timing: Often held during family vacation (e.g. mid-week after breakfast) Notification: Select a date in advance
- [The Family Banking (Part 3) - Setting the foundation for 63 policies including 7 on Business Partners](https://clients.ascendantfinancial.ca/topic/the-family-banking-part-3-setting-the-foundation-for-63-policies-including-7-on-business-partners/) - – A real-life example when a policy loan and private lending goes bad. – $20,000 in monthly loan repayments coming back to the Family Banking System (FBS)™ What This Covers An in-depth walkthrough of how Jason and his family have built and operate a fully functional multi-generational Family Banking System (FBS)™, with 63 life insurance policies
- [Introduction](https://clients.ascendantfinancial.ca/topic/introduction-2/) - What This Session Covers Why we came back to the basics — Becoming Your Own Banker 101 Walkthrough of the Equitable Life client portal Walkthrough of the Ascendant Financial client portal Where to find things in your policy and portal What to pay attention to as an active IBC practitioner How to better manage your
- [Policy Loans, PUA Tracking & Communicating With Your Carrier](https://clients.ascendantfinancial.ca/topic/policy-loans-pua-tracking-communicating-with-your-carrier/) - What you will learn You will learn how to properly request a policy loan, what to set up in advance so the process is seamless, and how to communicate clearly with your carrier every time money moves. We walk through the exact email templates available in the portal for loan repayments and premium payments so
- [Becoming Your Own Banker Refresher & Portal Orientation](https://clients.ascendantfinancial.ca/topic/becoming-your-own-banker-refresher-portal-orientation/) - What you will learn You will reconnect with the core principle behind Becoming Your Own Banker — that you finance everything you buy, and the goal is to recapture that interest back to your family. We then orient you inside the Ascendant Financial client portal so you know exactly where every resource lives. Whether this
- [Navigating The Equitable Life Portal: Tabs & Values](https://clients.ascendantfinancial.ca/topic/navigating-the-equitable-life-portal-tabs-values/) - What you will learn You will get a full walkthrough of every important tab inside your Equitable Life client portal and understand what each one contains. We go deep on the values tab, the tab you will refer to most as an IBC practitioner, and break down every line, including your cash value, loan availability,
- [Understanding your EDO](https://clients.ascendantfinancial.ca/topic/understanding-your-edo/) - What you will learn You will learn what your EDO is, why it is one of the most important numbers in your policy, and exactly where to find it. We walk through page 7 of your policy contract and show you how the term rider directly impacts your EDO capacity. You will also learn about
- [Q&A](https://clients.ascendantfinancial.ca/topic/qa-3/)
- [Expanding the system to accommodate all income](https://clients.ascendantfinancial.ca/topic/expanding-the-system-to-accommodate-all-income/) - What You Will Learn Nelson Nash wrote on page 48 of Becoming Your Own Banker that premiums and income should ultimately match. This session features Mark Benson, a 30-year practitioner who built a team of 600 privatized banking clients, walking through the three thinking exercises he uses to help people discover what money is flowing
- [Afterthoughts and QnA](https://clients.ascendantfinancial.ca/topic/afterthoughts-and-qna/) - What You Will Learn This closing Q&A segment addresses four questions submitted by clients ahead of the session, covering pandemic risk and life insurance company solvency, the difference between average and actual rate of return, the mechanics of policy loan interest and why borrowing from the policy versus a commercial bank is a question of
- [Example from James Neathery](https://clients.ascendantfinancial.ca/topic/example-from-james-neathery/) - What You Will Learn Real estate and life insurance are built from the same two components: cash flows and a deferred benefit. This session features James Neathery walking through an actual client case study of a 38-year-old real estate broker and investor who buys, holds, and flips hundreds of homes per year, showing precisely how
- [Sharing and Feedback from Client](https://clients.ascendantfinancial.ca/topic/sharing-and-feedback-from-client/) - What You Will Learn This closing segment of the real estate investor coaching session captures participant reflections from the final breakout room. Attendees share their key takeaways on keeping money in circulation, the discipline of honest loan repayment, and how the process of becoming your own banker provides a sense of financial control and generational
- [Real Estate Deal](https://clients.ascendantfinancial.ca/topic/real-estate-deal/) - What You Will Learn Numbers on an illustration are not what make IBC work. Using the Truth Concepts software with a real estate investor case study, this session demonstrates visually and precisely what happens to a policy’s end value depending on how the policy owner behaves, whether they keep funding premium, whether they repay loans
- [Client Portal Walkthrough](https://clients.ascendantfinancial.ca/topic/client-portal-walkthrough/) - What You Will Learn This short segment opens a live client coaching session with a tour of the updated Ascendant Financial client portal and a walkthrough of how to find recorded coaching sessions and course content. It also introduces the breakout room format used in group coaching calls, where participants share when they first read
- [Interview with Ryan Giggs - Shifting Banking Paradigm (part 1 and 2)](https://clients.ascendantfinancial.ca/topic/interview-with-ryan-giggs-shifting-banking-paradigm-part-1-and-2/) - What You Will Learn The most important words in the title Becoming Your Own Banker are “your own.” This podcast episode with guest Ryan Griggs explores the deeper intellectual foundation of the Infinite Banking Concept, the critical difference between capitalising and investing, and why the agent’s responsibility to educate clients on the process rather than
- [How often are dividends declared and credited?](https://clients.ascendantfinancial.ca/topic/how-often-are-dividends-declared-and-credited/) - What You Will Learn How often dividends are declared by the insurance company, when they are credited to your policy, and what the policy anniversary date means in relation to your dividend payment.
- [The Deeper “Why” of Family-Based Infinite Banking](https://clients.ascendantfinancial.ca/topic/why/) - What You Will Learn Disconnection is not just emotionally costly, it is financially devastating. This session shows exactly where fragmented family wealth goes, from government taxes to bank interest to probate, and makes the case that uniting around a shared process is the single most powerful move a family can make to stop the bleeding
- [Common Misbeliefs That Block Family Financial Unity](https://clients.ascendantfinancial.ca/topic/common-misbeliefs-that-block-family-financial-unity/) - What You Will Learn Uniting a family around money is less about persuasion and more about understanding what is actually driving resistance. This session maps the most common money beliefs and doubts that block family wealth conversations, and gives you a practical framework for navigating them without creating conflict or taking on responsibility for outcomes
- [Why Legacy Letters Matter More Than Money](https://clients.ascendantfinancial.ca/topic/why-legacy-letters-matter-more-than-money/) - What You Will Learn A will transfers your assets but says nothing about who you are. This session introduces the legacy letter as the most important document you can leave behind, walks through an AI tool that turns 30 minutes of conversation into a version one letter, and closes with the professional partners and practical
- [The #1 Reason Life Insurance Claims Get Delayed](https://clients.ascendantfinancial.ca/topic/the-1-reason-life-insurance-claims-get-delayed/) - What You Will Learn Filing a life insurance claim is simpler than most people expect, but the documents required to trigger it can cause costly delays if you are unprepared. This session also exposes why group employer benefits are not a reliable safety net and walks through the sections of the preparedness document covering serious
- [The Continuity Guide Explained](https://clients.ascendantfinancial.ca/topic/the-continuity-guide-explained/) - What You Will Learn Poor planning in the hours and weeks after a death can erase a lifetime of wealth in a single decision. This session walks through a practical family preparedness document and uses a real client case to show how the wrong move with a registered account can cost a family half their
- [The First 72 Hours After Death](https://clients.ascendantfinancial.ca/topic/the-first-72-hours-after-death/) - What You Will Learn When someone passes away, the first 72 hours are chaotic without a plan. This session surfaces the practical steps, documents, and decisions your family needs to have in place before that moment arrives, drawn from real experiences shared by the group. Key Moments in This Session Olivia’s real-life account: how her
- [Intro: The Moment Families Realize They’re Not Prepared](https://clients.ascendantfinancial.ca/topic/intro-the-moment-families-realize-theyre-not-prepared/) - What You Will Learn This session shifts financial planning away from numbers and toward real-life events that impact families the most. You will understand why most people are unprepared for what happens after a death, even if they have done financial planning, and how simple preparation can reduce stress for loved ones. By the end,
- [Open Q&A](https://clients.ascendantfinancial.ca/topic/open-qa/) - What You Will Learn This session clarifies practical questions around policy loans, ACB tracking, and managing cash flow within an Infinite Banking system. You will understand how to handle repayments, where excess funds can be allocated, and how to think about expanding your system responsibly. By the end, you will see how to maintain control,
- [Understanding Adjusted Cost Basis (ACB)](https://clients.ascendantfinancial.ca/topic/understanding-adjusted-cost-basis-acb/) - What You Will Learn This session explains adjusted cost basis (ACB) and how it impacts policy loans and potential tax events within Infinite Banking. You will understand how ACB changes over time, when it becomes relevant, and how to manage loans to avoid unnecessary taxation. By the end, you will see how proper tracking and
- [Navigating the Ascendant Financial Client Portal](https://clients.ascendantfinancial.ca/topic/navigating-the-ascendant-financial-client-portal/) - What You Will Learn This session walks you through how to fully utilize the Ascendant Financial client portal as a tool to become more independent in practicing Infinite Banking. You will understand where to find key resources, how to track and manage your policies, and how to access ongoing education and past coaching sessions. By
- [Introduction & Session Setup](https://clients.ascendantfinancial.ca/topic/introduction-session-setup/) - What You Will Learn Family wealth is built or broken by how united a family is around money. This session reframes the conversation from individual financial planning to collective wealth building, and shows why staying divided is the most expensive mistake a family can make. Key Moments in This Session Divide to dynasty: the core
- [How to Use Your Policy for Lifestyle Expenses](https://clients.ascendantfinancial.ca/topic/how-to-use-your-policy-for-lifestyle-expenses/) - What You Will Learn This session introduces a practical strategy for using Infinite Banking to recapture everyday expenses and increase policy capitalization without relying on new savings. You will understand how to redirect existing cash flow into your policy, access it through policy loans, and recycle it to continuously fund expenses. By the end, you
- [Introduction](https://clients.ascendantfinancial.ca/topic/introduction/) - What You Will Learn This session sets the foundation for a client coaching call by outlining how participants will engage, learn, and extract value throughout the session. You will understand how these meetings are structured, how to actively participate, and what key topics will be covered to improve your use of Infinite Banking. By the
- [Topic](https://clients.ascendantfinancial.ca/topic/topic-18/)
- [Topic](https://clients.ascendantfinancial.ca/topic/topic-17/)
- [Part 3](https://clients.ascendantfinancial.ca/topic/part-3/)
- [Part 2](https://clients.ascendantfinancial.ca/topic/part-2/)
- [Equitable Life Home Page News](https://clients.ascendantfinancial.ca/topic/equitable-life-home-page-news/) - What This Covers How to track the financial strength of Equitable Life, a mutual insurance company. Why policyholders are considered co-owners of a profitable private business. Key financial indicators to review annually, including return on equity and policyholder dividends. How policyholder behavior directly impacts the company’s profitability and mutual benefits. The importance of staying
- [Policy Loans & Repaying Policy Loans](https://clients.ascendantfinancial.ca/topic/policy-loans-repaying-policy-loans/)
- [Debt Recapture Case](https://clients.ascendantfinancial.ca/topic/debt-recapture-case/)
- [Presentation From David Stearns](https://clients.ascendantfinancial.ca/topic/presentation-from-david-stearns/)
- [Introduction To Client Coaching](https://clients.ascendantfinancial.ca/topic/introduction-to-client-coaching/)
- [Positive Focus](https://clients.ascendantfinancial.ca/topic/positive-focus/)
- [The Bob Shiels 1959 first policy $198.20 per year and what he was able to do with it](https://clients.ascendantfinancial.ca/topic/the-bob-shiels-1959-first-policy-198-20-per-year-and-what-he-was-able-to-do-with-it/) - What This Covers This video offers a nostalgic yet deeply educational case study on Bob Shiels, who bought his first life insurance policy in 1959 for $198.20/year. Drawing from Bob’s stories and policy data, the session explores how properly structured policies can quietly generate significant financial utility, and how undercapitalizing early on can create lifelong
- [Group Discussion - learning lessons](https://clients.ascendantfinancial.ca/topic/group-discussion-learning-lessons/) - Summary of Bob Shiels Video and first Policy with London Life: What This Covers This was an open group discussion and client coaching session reflecting on the Bob Shields video and broader experiences with Infinite Banking. Participants shared personal takeaways, real-life applications of policy loans, and strategic insights around capitalization, debt payoff, and system building.
- [3 Infinite Wisdom Nelson Nash Tim Yurek](https://clients.ascendantfinancial.ca/topic/3-infinite-wisdom-nelson-nash-tim-yurek/) - What This Covers A tribute to Nelson Nash and the philosophy behind the Infinite Banking Concept (IBC) Real-life stories illustrating the behavioral mindset shift IBC requires Five foundational principles Nelson taught for regaining control of your financial life Clarifies misconceptions. IBC is not about investments or rates of return Emphasis on using whole life policies
- [2 Assuris](https://clients.ascendantfinancial.ca/topic/2-assuris/) - What This Covers Roman explains Assuris, the Canadian policyholder protection organization, including how it works, what it guarantees, and recent improvements to its protection limits. This session reinforces the safety and security of storing capital in life insurance policies with participating mutual companies.. Why Clients Use It To gain peace of mind knowing their capital
- [Open Q & A Perspective at age 26, Reverse mortgages, Introducing IBC to family & Client Feedb](https://clients.ascendantfinancial.ca/topic/open-q-a-perspective-at-age-26-reverse-mortgages-introducing-ibc-to-family-client-feedb/) - What This Covers This open Q&A session dives into real-life Infinite Banking Concept (IBC) experiences across generations. It includes youthful perspectives, reverse mortgage strategies, intergenerational wealth planning, and how to talk about IBC with skeptical family or friends. The session wraps with emotional client stories and practical advice for getting others engaged. Why Clients Use
- [Planning for Large Capital Gains - Controlling Your Taxable Income](https://clients.ascendantfinancial.ca/topic/planning-for-large-capital-gains-controlling-your-taxable-income/) - What This Covers This session explores how the Infinite Banking Concept (IBC) can be strategically used to reduce taxes in years when you receive a large capital gain, such as from real estate sales, stock options, business exits, or severance. Through a case study, the presenters show how a couple leveraged their whole life insurance
- [Policy Loan Procedure walk through - Equitable Life for August 2023](https://clients.ascendantfinancial.ca/topic/policy-loan-procedure-walk-through-equitable-life-for-august-2023/) - What This Covers This training covers how to request a policy loan using the new digital features on Equitable Life’s Client Access system, alongside real advisor experiences, best practices, and updates from other insurers like Canada Life and Sun Life. Why Clients Use It Clients are increasingly using policy loans to: Access liquidity from their
- [Expanding your system to accommodate recurring living expenses](https://clients.ascendantfinancial.ca/topic/expanding-your-system-to-accommodate-recurring-living-expenses/) - What This Covers This session explores how clients can strategically expand their Infinite Banking Concept system to include recurring personal expenses, like vacations, property tax, insurance, or charitable giving. JinJin demonstrates how redirecting regular outflows into your own banking system creates greater long-term control, compounding growth, and legacy. Why Clients Use This To recapture recurring
- [Capturing Earning Potential of Money](https://clients.ascendantfinancial.ca/topic/capturing-earning-potential-of-money/) - What This Covers This video unpacks how business owners and individuals can capture more of their earning potential by redirecting everyday cash flows, like taxes, expenses, and overhead, into a properly structured policy. Rather than focusing only on growing savings or investments, it shows how to make your entire cashflow system more efficient. Why Clients
- [Impacting Tax Updates](https://clients.ascendantfinancial.ca/topic/impacting-tax-updates/) - What This Covers Key 2024 tax changes in Canada affecting: Short-term rental income (e.g., Airbnb) Alternative Minimum Tax rules CPP (Canada Pension Plan) increases Capital gains, dividends, and employee stock options Strategic considerations for corporate and personal wealth planning Why This Matters Clients actively investing or earning through real estate, salary, or corporations need to
- [Opening](https://clients.ascendantfinancial.ca/topic/opening/) - What This Covers This video kicks off a live client coaching session. The speaker sets the tone, shares some uplifting personal stories, and introduces the core mindset behind Infinite Banking, reminding clients they’re on a long-term journey, not chasing short-term financial excitement. Why Clients Use It To connect with other policy owners in a supportive
- [How To Fund Your Current Expenses By Redirecting Cashflow Into Your System](https://clients.ascendantfinancial.ca/topic/how-to-fund-your-current-expenses-by-redirecting-cashflow-into-your-system/) - What This Covers This session with Vern and Roman explains how to redirect everyday spending through your policy system to fund current expenses while building long-term financial capacity. It features real examples of using small policies to finance recurring costs, property taxes, and charitable donations, emphasizing sustainable growth and long-term impact. Why Clients Use It
- [Question About Expanding Your System](https://clients.ascendantfinancial.ca/topic/question-about-expanding-your-system/) - What This Covers A live question from a client sparks an impromptu but powerful discussion about when and how to expand your banking system. Roman and Richard highlight the mindset shift required to grow your policy portfolio, rooted in personal desire, intention, and Nelson Nash’s core principles. Why Clients Use It To clarify when it’s
- [12 Step Quick Start Guide For Infinite Bankers](https://clients.ascendantfinancial.ca/topic/12-step-quick-start-guide-for-infinite-bankers/) - Agenda & Key Sections (0:00 – 2:22 ) Things to do within 30 minutes of getting your policy. (Steps 1–7) Set up online banking and bill pay Create login for life insurance portal Send a void cheque for direct deposit of loans Set reminders around policy anniversary dates Track your paid-up additions (PUAs) Log in
- [Introduction & The Asset](https://clients.ascendantfinancial.ca/topic/introduction-the-asset/) - What We Covered Understanding Loan Repayments & Policy Instructions (starts at 00:00 mins) When sending funds, always include the policy number and specify clearly: loan repayment, premium, or PUA. Loan repayments go to principal first; interest is tracked daily but charged annually. Incorrect labeling (e.g., calling a loan repayment a “premium”) can lead to misapplied
- [3 - Passive Tax Free Cash Flows](https://clients.ascendantfinancial.ca/topic/3-passive-tax-free-cash-flows/) - What We Covered How the ADO Multiplies Legacy Value (00:01) Serena example: $7,101 in → $4.23x more left in trust. The ADO (Accelerated Deposit Option) always creates a larger benefit than what was deposited. Key message: Commercial banks don’t multiply money for your family, your system can. Visual Breakdown of Premium Impact (01:43) $100K
- [7 - 2024 Year End Personal Tax Planning Tips](https://clients.ascendantfinancial.ca/topic/7-2024-year-end-personal-tax-planning-tips/) - What We Covered (starts at 00:01 mins) Importance of preparing for 2024 year-end tax planning, including evaluating your financial position in a tax-efficient way. Emphasis on remaining in control of your banking system while optimizing your tax strategies. Reminder: You can’t avoid taxes entirely, but you can legally minimize them. Key Focus Areas (starts
- [8 - Corporate Tax Treatment of Policy](https://clients.ascendantfinancial.ca/topic/8-corporate-tax-treatment-of-policy/) - What We Covered: Corporate Tax Treatment of Whole Life Policies Why This Is Important for Business Owners Many accountants lack proper training on whole life insurance as an asset. Mishandling by tax professionals can increase your audit risk. It’s essential to align with professionals open to learning and guided by your coach. Policies offer tax-exempt
- [Q & A](https://clients.ascendantfinancial.ca/topic/q-a/) - What This Covers Richard Canfield answers client questions on borrowing to pay premiums, managing policy contributions like the Additional Deposit Option (Edo), and strategies for term-to-whole-life policy conversions. The session focuses on practical execution, clarity with insurance companies, and long-term planning for family banking. Why Clients Use It To confidently fund Edo and base premiums
- [Introduction & Agenda](https://clients.ascendantfinancial.ca/topic/introduction-agenda/) - What This Covers Introduction of a session focused on helping parents introduce their children to the Infinite Banking Concept using whole life insurance strategies. It also outlines the full agenda for the workshop-style session. Why Clients Use It Offers a family-centered approach to Infinite Banking Prepares parents to teach financial independence early Provides hands-on tools
- [Equitable Dividend Scale Update](https://clients.ascendantfinancial.ca/topic/equitable-dividend-scale-update/) - What This Covers Update on Equitable Life of Canada’s dividend scale and policy loan interest rates, effective July 1, 2024. Why Clients Use It Helps clients track earnings potential on participating whole life policies Clarifies loan interest rates tied to their policies Shows long-term patterns of dividend rate changes in relation to national interest rates
- [The Impact of Timing Your Premium](https://clients.ascendantfinancial.ca/topic/the-impact-of-timing-your-premium/) - What We Covered: How the timing of premium payments, particularly monthly vs. annual affects dividend performance, cash value growth, and long-term outcomes in whole life policies. Demonstrated how annual payments save money and result in higher dividends and cash values compared to monthly payments.(starts at 02:11 mins) Explained the “behavior tax”; a compounding financial penalty
- [Child Policy Changes (For people who has child policy before January 2023)](https://clients.ascendantfinancial.ca/topic/child-policy-changes-for-people-who-has-child-policy-before-january-2023/) - What This Covers Understanding how child insurance policies issued before January 2023 are affected when the child turns 17 or 18, including actuarial classifications, smoker status decisions, and long-term financial planning. Why This Matters for Families These older policies classify children as “smokers” by default, which affects future growth. Parents are faced with an important
- [Welcome Note & Agenda](https://clients.ascendantfinancial.ca/topic/welcome-note-agenda/) - What We Covered (starts at 00:00 mins): Welcome & Overview of the Session (00:00 mins) Introduction to the day’s flow with co-host Tron, who brings an interactive experience using a scannable QR code. New Book Mention (00:32 mins) Brief mention of a newly released book and a request related to it (details not elaborated
- [Interactive Quiz](https://clients.ascendantfinancial.ca/topic/interactive-quiz/) - What This Covers A quiz-style coaching session that reinforces core Infinite Banking principles: how cash value works, proper communication with insurers, policy mechanics, and the mindset behind the strategy. Why Clients Use It Tests understanding of policy concepts. Builds confidence in using loans and dividends. Encourages disciplined behavior with policies. Reinforces that Infinite Banking is
- [Beaver Bankers Book Review: How Kids Learn IBC Basics](https://clients.ascendantfinancial.ca/topic/beaver-bankers-book-review-how-kids-learn-ibc-basics/) - What the Session Covers – Listed Summary Introduction to Beaver Bankers, a children’s book by Becca Wilhite (Infinite Banking Concept practitioner). Overview of how the book introduces kids to Infinite Banking principles. Behind-the-scenes: how one practitioner used the book with her nephews (ages 10–13) to explore family banking concepts. Key themes explored
- [The New Mortgage Renewal Approach with case study](https://clients.ascendantfinancial.ca/topic/the-new-mortgage-renewal-approach-with-case-study-2/) - Watch to Learn: Most homeowners treat mortgage renewal as a routine task find the lowest rate and sign the papers. But this session introduces a smarter way. Shift from habitual renewal to intentional planning Choose between wealth building or unknowingly transferring wealth to the bank Avoid pitfalls like requalification stress, rising interest rates, and being
- [Your Guide to Annual Family Banking Meetings](https://clients.ascendantfinancial.ca/topic/your-guide-to-annual-family-banking-meetings/) - What the Session Covers – Listed Summary Opened with greetings and real-life stories that highlight how wealth and values are taught, not just transferred. Session agenda included: Teaching financial stewardship through behavior. Using Infinite Banking as a family legacy tool. Introducing the 15-page Family Banking Guide. Protecting policy control across generations. Live Q&A and resource
- [Open Q&A & Client Engagement](https://clients.ascendantfinancial.ca/topic/open-qa-client-engagement/) - What We Covered in This Session Clarified repayment options for policy loans: Interest is calculated daily but only charged on the policy anniversary. Payments are automatically applied to principal. Explained how to direct payments to your life insurance provider: Use clear instructions in the subject and body of your communication (e.g., “Loan Repayment
- [Closing & Next Steps](https://clients.ascendantfinancial.ca/topic/closing-next-steps/) - What We Cover in This Session (starts at 00:00 mins) Emphasizes that each financial journey is unique; no one-size-fits-all approach. Encourages blending different ideas from webinars and coaching into a personalized strategy. Reinforces the importance of mindset over rigid step-by-step roadmaps. Highlights the value of repetition and re-engaging with foundational concepts. Why This Is Important
- [Sharing & Intro Session](https://clients.ascendantfinancial.ca/topic/sharing-intro-session/) - What This Covers This opening session kicks off with insights from participants reacting to a powerful mindset video (riding a backwards bike) that sets the stage for reframing how we think about money and the banking function. It ends by introducing a breakout activity using the “Intro Card” to facilitate connections within the community. Why
- [Backwards Bicycle Video](https://clients.ascendantfinancial.ca/topic/backwards-bicycle-video/) - What This Covers This video is a hands-on thought experiment in neuroplasticity, cognitive bias, and the gap between knowledge and understanding. Destin Sandlin explores how deeply ingrained motor skills are, and how difficult they are to unlearn. Why Clients Watch This To illustrate how belief systems and habits are neurologically hardwired To demonstrate the challenge
- [Post Breakout Intro Session Sharing](https://clients.ascendantfinancial.ca/topic/post-breakout-intro-session-sharing/) - What This Covers After small-group breakouts, participants share what they appreciate most about Infinite Banking, and what they need help with. This segment reveals real-time client experiences and the kinds of questions that emerge in early and mid-stage implementation. Why Clients Use It To hear directly from peers at different stages of their Infinite Banking
- [Human Conditions Deep Dive](https://clients.ascendantfinancial.ca/topic/human-conditions-deep-dive/) - What This Covers This session dives into two key “human conditions” that can sabotage financial control, Parkinson’s Law and Willie Sutton’s Law. You’ll learn how these psychological tendencies affect your behavior with money, and how Infinite Banking offers tools to counteract them. Why Clients Use It To build discipline and stop lifestyle creep as income
- [The Family Banking (Part 1) - Setting the foundation](https://clients.ascendantfinancial.ca/topic/the-family-banking-part-1-setting-the-foundation/) - What This Covers A step-by-step guide to running a real Family Banking Meeting, using Jason’s personal system as a live example. Covers the full agenda, teaching approach, family policies, and governance strategies that turn Infinite Banking into a disciplined, multi-generational structure. Why Clients Use It To model their own family banking meetings with structure and
- [Value exercise and final comments](https://clients.ascendantfinancial.ca/topic/value-exercise-and-final-comments/) - What This Covers This final segment wraps up the coaching session with a focus on collecting honest feedback, sharing personal reflections, and reinforcing the value of community learning. It highlights how Ascendant Financial is actively co-creating resources with clients, not just for them. Why Clients Use It This session matters because it: Gives clients a
- [Client Coaching Agenda](https://clients.ascendantfinancial.ca/topic/client-coaching-agenda-2/) - What This Covers This kickoff video outlines the agenda and learning goals for the first client coaching session of the year. It sets the tone for a deep mindset reset, emphasizing the importance of community, clarity, and continuous learning when practicing the Infinite Banking Concept. Why Clients Use It Clients attend these sessions to: Reset
- [4 Nelson's Video](https://clients.ascendantfinancial.ca/topic/4-nelsons-video/) - What This Covers This session introduces the coaching series and shares key updates on dividend scale changes from Equitable Life. It sets context for how rising interest rates are impacting whole life insurance policies positively, and previews the learning agenda with client-focused resources. Why Clients Use It To understand how dividend rates affect their policies
- [Rising Interest rates & Par dividends discussion - The “smoothing effect” of the Par pool with dividends](https://clients.ascendantfinancial.ca/topic/rising-interest-rates-par-dividends-discussion-the-smoothing-effect-of-the-par-pool-with-dividends/) - Key Takeaways Impact of Rising Interest Rates on Participating Whole Life Policies Positive long-term impact: Insurance companies invest primarily in fixed-income assets (like bonds and mortgages). As market interest rates rise, new investments generate higher yields, which over time increase the returns in the participating account. Stable returns through “smoothing”: Insurers don’t react immediately to
- [Flow of capital – Income policy discussion continued](https://clients.ascendantfinancial.ca/topic/flow-of-capital-income-policy-discussion-continued/) - What This Covers This session builds on concepts from the Mark Benson video by walking through a real-life income policy illustration. It explores how to manage premium contributions, loan repayments, and capital flow through a high-cash-value policy over time. The focus is on how ongoing income can be structured inside the IBC system, both during
- [Nelson Nash Video Segment - Financial Bubbles](https://clients.ascendantfinancial.ca/topic/nelson-nash-video-segment-financial-bubbles/) - What This Covers This session introduces a key segment from Nelson Nash’s 2016 advisor seminar in Kelowna. It reflects on economic bubbles, central banking flaws, personal financial resilience, and the foundational mindset behind the Infinite Banking Concept. The clip and conversation emphasize rethinking your thinking, wealth through volume and control, and how real-world examples (like
- [Client Coaching Agenda](https://clients.ascendantfinancial.ca/topic/client-coaching-agenda/) - What This Covers This kickoff session sets the tone for the event by outlining the agenda, encouraging active participation, and building energy around the Infinite Banking Concept. It introduces key speakers, video segments, and breakout opportunities for discussion and learning. Why Clients Use It This session helps orient attendees to: What to expect during the
- [New Equitable Life Policy Loan Process](https://clients.ascendantfinancial.ca/topic/new-equitable-life-policy-loan-process/) - What This Covers A step-by-step walkthrough of how to take a policy loan from Equitable Life of Canada—covering both the old manual process and the new client portal feature that simplifies requests. Why Clients Use It To access cash from their participating whole life policy To start practicing the Infinite Banking Concept through real borrowing
- [Capital Planning In Corporation](https://clients.ascendantfinancial.ca/topic/capital-planning-in-corporation/) - What This Covers An advanced overview of corporate tax planning, the impact of investment income on corporate tax rates, and how to strategically redeploy profits using the Infinite Banking Concept to protect generational wealth. This session is both technical and deeply personal, ending with a powerful story about legacy, sacrifice, and financial preparedness. Why Clients
- [Making Room For Future Windfalls](https://clients.ascendantfinancial.ca/topic/making-room-for-future-windfalls/) - What This Covers This session helps clients rethink how to prepare for unexpected financial windfalls. Through stories, real-life examples, and practical Infinite Banking strategies, it emphasizes why preparation, not luck, determines whether a windfall becomes a blessing or a burden. Why Clients Use It To avoid squandering large one-time gains like inheritances, business sales, or
- [Introduction + Dividend Scale Update](https://clients.ascendantfinancial.ca/topic/introduction-dividend-scale-update/) - What This Covers This session opens with an overview of key updates relevant to Infinite Banking Concept clients. It introduces the agenda, discusses recent dividend scale changes at Equitable Life, and sets the stage for further presentations, including insights from Tim Yurich and Nelson Nash clips. Why Clients Use It Understand changes in policy performance
- [Funding Premiums Later In Life at Passive Income Time Discussion](https://clients.ascendantfinancial.ca/topic/funding-premiums-later-in-life-at-passive-income-time-discussion/) - What This Covers This session explores how clients can continue funding Whole Life Insurance premiums later in life, especially using retirement or passive income to build wealth across generations, optimize taxes, and stay financially flexible. Why Clients Use It To reallocate passive income (e.g., OAS, pensions) into wealth-building To extend legacy planning beyond retirement To
- [How Whole Life Creates the Perfect Volatility Buffer for Your Portfolio](https://clients.ascendantfinancial.ca/topic/how-whole-life-creates-the-perfect-volatility-buffer-for-your-portfolio/) - What This Covers This session dives into how Whole Life Insurance can be used as a “volatility buffer”, a financial safety net, during market downturns, particularly in retirement. Real estate and stock market examples are used to highlight risk, while a simulated case study with Truth Concepts calculators shows how tapping policy cash values at
- [Welcome & Session Overview](https://clients.ascendantfinancial.ca/topic/welcome-session-overview/) - What the Session Covers – Listed Summary Kicked off the session with greetings and a warm welcome to both returning and new attendees. Reviewed the session agenda, which includes: Pre-order announcements for two new books. A breakdown of the Premium Deposit Fund (PDF). Tips for running family banking meetings. A live Q&A session to close
- [Tax Planning Discussion Understanding Marginal Tax Rates and RRSP Meltdown](https://clients.ascendantfinancial.ca/topic/tax-planning-discussion-understanding-marginal-tax-rates-and-rrsp-meltdown/) - What This Covers This session explains how to manage large taxable income events, such as real estate gains, by understanding marginal tax brackets and using tools like RRSP contributions, RRSP meltdown strategies, and whole life insurance policy loans. It emphasizes strategic planning to smooth taxable income, reduce tax burdens, and maintain access to capital. Why
- [$85k Real Estate Case - Creative Way To Expand System](https://clients.ascendantfinancial.ca/topic/85k-real-estate-case-creative-way-to-expand-system/) - What This Covers This case study, originally shared by Richard Canfield, illustrates how a real estate investor strategically applied $95,000 of available capital through a high-impact policy design, enabling immediate liquidity while maximizing long-term system growth. Why Clients Use This To fund new real estate deals without losing access to capital To build insurance coverage
- [Update on Policy Review](https://clients.ascendantfinancial.ca/topic/update-on-policy-review/) - What This Covers This session introduces a client-led policy review process and highlights how Ascendant Financial is shifting control back to policy owners. It also previews upcoming tech tools, including the Ascendant Advantage Dashboard. Why Clients Need This Instead of waiting for scheduled reviews, clients are now empowered to independently monitor their policy performance, freeing
- [Updates To Client Portal](https://clients.ascendantfinancial.ca/topic/updates-to-client-portal/) - What This Covers This video walks through recent updates to the Ascendant Financial client portal, highlighting the new Tax Knowledge Base and upcoming tools for self-led policy reviews. The focus is on helping clients deepen their understanding of taxation while building wealth. Why Clients Use It To access simplified, reliable tax education To stay informed
- [Comments and Q&A](https://clients.ascendantfinancial.ca/topic/comments-and-qa/) - What This Covers This interactive Q&A dives into how loan interest works inside a participating whole life policy, especially with Equitable Life, and how to manage it without overcomplicating your system. The coaches clarify when and how to pay interest, how to communicate with the insurer, and why obsessing over interest breakdowns often does more
- [Roman - Case study - Don't Be Afraid Of Taking Loans](https://clients.ascendantfinancial.ca/topic/roman-case-study-dont-be-afraid-of-taking-loans/) - What This Covers A real client scenario showing how fear of loans can block policy growth, and how using your system properly (even for large purchases) keeps your wealth compounding. Roman walks through Andrea’s case to illustrate the mindset shift from borrower to banker. Why Clients Use It To overcome emotional blocks about taking loans
- [Examples of how parents can introduce their kids to IBC](https://clients.ascendantfinancial.ca/topic/examples-of-how-parents-can-introduce-their-kids-to-ibc/) - What This Covers This session walks parents through practical strategies and real-life examples of how young people, working, in school, or just starting out, can be introduced to Infinite Banking early. Sukhman profiles three young clients and shows how Infinite Banking can be customized to different financial realities. Why Clients Use It Parents often say,
- [Vern & Richard - Sustain Your Existing System](https://clients.ascendantfinancial.ca/topic/vern-richard-sustain-your-existing-system/) - What we covered Running your IBC system well is just as important as starting it. This session is all about what it looks like to maintain, grow, and simplify your banking system in real life. Whether you’re brand new or several policies in, you’ll learn how to build a repeatable rhythm—without overcomplicating things. What You’ll
- [Ashley Doyle - Estate Planning Tools](https://clients.ascendantfinancial.ca/topic/ashley-doyle-estate-planning-tools/) - What This Covers Ashley Doyle shares a practical estate planning resource that helps families handle a loved one’s affairs after their passing. It’s a non-legal document that organizes essential personal and financial information in one place. Why Clients Use It Reduces stress for loved ones after death Complements formal legal tools like wills and power
- [Q&A](https://clients.ascendantfinancial.ca/topic/qa/) - What This Covers A live Q&A session where Richard responds to client questions about repaying policy loans, interest tracking, and how he personally manages his cash flow and Infinite Banking strategy. Why Clients Use It Clarifies flexibility in loan repayment strategy Encourages autonomy in managing policy loans Demonstrates how to integrate personal cash flow with
- [Lesson with Nelson](https://clients.ascendantfinancial.ca/topic/lesson-with-nelson/) - What This Covers This session reflects on Nelson Nash’s insights around when to repay policy loans, how to think like a banker, and how to protect your wealth from systemic theft. It blends a short clip from Nelson with deep group discussion and reflection. Includes: Strategic decision-making on loan repayment timing The meaning behind “don’t
- [Client Case Study - Getting Kids Involved In IBC](https://clients.ascendantfinancial.ca/topic/client-case-study-getting-kids-involved-in-ibc/) - What This Covers A real-life case study of a family with three children who successfully integrated their kids into the Infinite Banking Concept (IBC). From application to policy ownership conversations, building financial literacy, responsibility, and long-term thinking. Why Clients Use It Models hands-on learning for children in a real financial system Encourages shared ownership and
- [6 - Tax efficient and secure flexible financial future](https://clients.ascendantfinancial.ca/topic/6-tax-efficient-and-secure-flexible-financial-future/) - What We Covered Preparing for Three Generations (starts at 00:00 mins) A playful story featuring Henry’s nieces illustrates the importance of early financial planning for multiple generations. Builds the case for moving beyond instant gratification and creating trust funds to support children’s unique talents. Why Traditional Tools Fall Short (starts at 02:25 mins) RESP,
- [5 - The cost of trapping your capital in an RRSP](https://clients.ascendantfinancial.ca/topic/5-the-cost-of-trapping-your-capital-in-an-rrsp/) - What We Cover in This Session (starts at 00:00 mins) This extended session walks through four integrated financial planning strategies, with a central focus on tax planning with RRSPs: Understanding marginal vs. average tax rates (03:59) The true cost of withdrawing from RRSPs and how government benefits are affected (06:00–09:00) A “melting strategy” to withdraw
- [2 - Equitable Policy Portal](https://clients.ascendantfinancial.ca/topic/2-equitable-policy-portal/) - What We Covered Navigating the Equitable Policy Portal (starts at 00:00 mins) Walkthrough of a sample policy view in the client portal. Maximum premium vs. required premium and how the Accelerated Deposit Option (ADO) boosts policy growth. Coverage tab shows growth: over 2 years, $78K in ADO resulted in $330K in paid-up additions, increasing the
- [Premium Deposit Fund & Equitable Client Access Updates](https://clients.ascendantfinancial.ca/topic/premium-deposit-fund-equitable-client-access-updates/) - Premium Deposit Fund & Equitable Client Access Updates What Is the Premium Deposit Fund? (start at 00:10 min) Learn how the Premium Deposit Fund works as a side account linked to your policy. Understand why different life insurance companies use different names (Edo, PUA Rider, ADO, etc.) but offer similar mechanics. Why Use a Premium
- [The “organic mortgage paydown” strategy with case study](https://clients.ascendantfinancial.ca/topic/the-organic-mortgage-paydown-strategy-with-case-study-2/) - What We Covered What is the Organic Mortgage Paydown Strategy? A method for building your home down payment using whole life policy loans, while simultaneously funding an FHSA and unlocking tax advantages without tying up savings or relying on RRSPs. Why Clients Use It? Avoid mortgage default insurance by funding a full down payment via
- [Introduction & Equitable life updates](https://clients.ascendantfinancial.ca/topic/introduction-equitable-life-updates-2/) - What we covered in this Section (5 min vid) Equitable Life of Canada – Annual Policy Update (Starts at 4:06 mins) An overview of current interest rates, dividend projections, and what they mean for participating policyholders. Dividend scale interest rate remains unchanged, signaling continued strength and stability Policy loan interest rate holds at 6.5%, giving
- [Case Study](https://clients.ascendantfinancial.ca/topic/case-study-2/)
- [Q&A](https://clients.ascendantfinancial.ca/topic/qa-2/)
- [The “organic mortgage paydown” strategy with case study](https://clients.ascendantfinancial.ca/topic/the-organic-mortgage-paydown-strategy-with-case-study/) - Case Study
- [The New Mortgage Renewal Approach with case study](https://clients.ascendantfinancial.ca/topic/the-new-mortgage-renewal-approach-with-case-study/) - Case Study Scenario 1 Scenario 2 Scenario 3
- [Case Study](https://clients.ascendantfinancial.ca/topic/case-study/)
- [Saving for your first home the smart way](https://clients.ascendantfinancial.ca/topic/saving-for-your-first-home-the-smart-way/)
- [Introduction & Equitable life updates](https://clients.ascendantfinancial.ca/topic/introduction-equitable-life-updates/)
- [What is an IFA and how is it different than IBC](https://clients.ascendantfinancial.ca/topic/what-is-an-ifa-and-how-is-it-different-than-ibc/) - IFA vs. IBC Comparison ToolThis downloadable guide clearly breaks down the key differences between Immediate Financing Arrangements (IFA) and the Infinite Banking Concept (IBC). Use it to quickly compare how each strategy works—including loan types, repayment flexibility, ideal clients, tax implications, and qualification requirements. Download Resource
- [Paying expenses using Policy loans with Shawn Quigg](https://clients.ascendantfinancial.ca/topic/paying-expenses-using-policy-loans-with-shawn-quigg/) - Downloadable Resource: Policy Loan Tracker SpreadsheetDownload this simple, powerful spreadsheet by Shawn Quigg to track your policy loans, stay on top of balances, and map out your repayment plan—all while keeping your cash flow in check. Download the Policy Loan Tracker
- [Agenda & Kickoff](https://clients.ascendantfinancial.ca/topic/agenda-kickoff/) - Download from Client Coaching
- [Final Comments and Client Discussion](https://clients.ascendantfinancial.ca/topic/final-comments-and-client-discussion/)
- [Generational Passive Income with 4 policies](https://clients.ascendantfinancial.ca/topic/generational-passive-income-with-4-policies/)
- [How to pay yourself the extra Interest with Dan Allen](https://clients.ascendantfinancial.ca/topic/how-to-pay-yourself-the-extra-interest-with-dan-allen/)
- [Policy Loan Interest Deductability and it's Pitfalls](https://clients.ascendantfinancial.ca/topic/policy-loan-interest-deductability-and-its-pitfalls/)
- [Group Discussion & Feedback​](https://clients.ascendantfinancial.ca/topic/group-discussion-feedback/)
- [The Tale of 2 Dads - 17 Death benefits from Nelson Nash](https://clients.ascendantfinancial.ca/topic/the-tale-of-2-dads-17-death-benefits-from-nelson-nash/)
- [Equitable Life Annual Report Highlight & Discussion](https://clients.ascendantfinancial.ca/topic/equitable-life-annual-report-highlight-discussion/)
- [Summary of Bob Shiels Video and first Policy with London Life:](https://clients.ascendantfinancial.ca/topic/summary-of-bob-shiels-video-and-first-policy-with-london-life/)
- [Topic](https://clients.ascendantfinancial.ca/topic/topic-16/)
- [Topic](https://clients.ascendantfinancial.ca/topic/topic-15/)
- [Topic](https://clients.ascendantfinancial.ca/topic/topic-12/)
- [Topic](https://clients.ascendantfinancial.ca/topic/topic-13/)
- [Topic](https://clients.ascendantfinancial.ca/topic/topic-14/)
- [Topic](https://clients.ascendantfinancial.ca/topic/topic-9/)
- [Topic](https://clients.ascendantfinancial.ca/topic/topic-10/)
- [Topic](https://clients.ascendantfinancial.ca/topic/topic-11/)
- [Topic](https://clients.ascendantfinancial.ca/topic/topic-7/)
- [Topic](https://clients.ascendantfinancial.ca/topic/topic-8/)
- [Topic](https://clients.ascendantfinancial.ca/topic/topic-5/)
- [Topic](https://clients.ascendantfinancial.ca/topic/topic-6/)
- [Client Coaching Session (5th Feb 2022)](https://clients.ascendantfinancial.ca/topic/client-coaching-session-5th-feb-2022/)
- [Rethinking Passive Income with Family Banking](https://clients.ascendantfinancial.ca/topic/rethinking-passive-income-with-family-banking/)
- [Case Study: 9 Cars - Review the numbers](https://clients.ascendantfinancial.ca/topic/case-study-the-numbers/)
- [Case Study: 9 cars - Watch First](https://clients.ascendantfinancial.ca/topic/case-study-setting-up-the-example/)
- [Recapturing Debt Concept - Outside debt to inside debt](https://clients.ascendantfinancial.ca/topic/recapturing-debt-using-the-system/)
- [Opportunity Cost Example](https://clients.ascendantfinancial.ca/topic/opportunity-cost-example/)
- [Kids Wealth VS RESP Case Study](https://clients.ascendantfinancial.ca/topic/kids-wealth-vs-resp-case-study/)
- [RESP Characteristics](https://clients.ascendantfinancial.ca/topic/resp-characteristics/)
- [What will you learn in the case study?](https://clients.ascendantfinancial.ca/topic/what-will-you-learn-in-the-case-study/)
- [Paid Up Additions Drawing](https://clients.ascendantfinancial.ca/topic/paid-up-additions-drawing/)
- [The Specially Designed Whole Life Contract](https://clients.ascendantfinancial.ca/topic/the-specially-designed-whole-life-contract/)
- [Understanding AND assets VS Or Assets](https://clients.ascendantfinancial.ca/topic/understanding-and-assets-vs-or-assets/)
- [What happens when you kill Compounding](https://clients.ascendantfinancial.ca/topic/what-happens-when-you-kill-compounding/)
- [It's all about how you think - IBC is the Utilization of Money - Which Line do you want to be in? The 4 C's](https://clients.ascendantfinancial.ca/topic/its-all-about-how-you-think-ibc-is-the-utilization-of-money-which-line-do-you-want-to-be-in-the-4-cs/)
- [Topic](https://clients.ascendantfinancial.ca/topic/topic-4/)
- [Client Coaching Session (10th July 2021)](https://clients.ascendantfinancial.ca/topic/client-coaching-session-10th-july-2021/)
- [Chapter 2:Three Truth About Money](https://clients.ascendantfinancial.ca/topic/chapter-2three-truth-about-money/)
- [Topic](https://clients.ascendantfinancial.ca/topic/topic-3/)
- [Topic](https://clients.ascendantfinancial.ca/topic/topic-2/)
- [How to create FYF Campaign Builder Message (FOR MARKETING TEAM)](https://clients.ascendantfinancial.ca/topic/how-to-create-fyf-campaign-builder-message-for-marketing-team/)
- [Troubleshooting FixYourFunnel Audio Issues](https://clients.ascendantfinancial.ca/topic/af-fyftroubleshoot/)
- [Schedule Appointment from Computer](https://clients.ascendantfinancial.ca/topic/schedule-appointment-from-computer/)
- [Update Booking Links (Availability Etc.)](https://clients.ascendantfinancial.ca/topic/update-booking-links-availability-etc/)
- [Update Availability - Expanded](https://clients.ascendantfinancial.ca/topic/update-availability-expanded/)
- [How to send your booking link](https://clients.ascendantfinancial.ca/topic/how-to-send-your-booking-link/)
- [Remove/add additional person to meeting links](https://clients.ascendantfinancial.ca/topic/remove-add-additional-person-to-meeting-links/)
- [Schedule Appointment from mobile phone](https://clients.ascendantfinancial.ca/topic/schedule-appointment-from-mobile-phone/)
- [Setting up of email & google calendar](https://clients.ascendantfinancial.ca/topic/af-gsuite/) - -Written instructions-

## Quizzes

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