Remnant Finance - Infinite Banking (IBC) and Capital Control

E101 - Becoming a Green Beret, Fighting the Mandate, and Running for Congress | Ft. John Frankman

Connect with John Frankman: https://frankmanforflorida.com/Book a call: https://remnantfinance.com/calendar  Out Print the Fed with a 1% target per week: https://remnantfinance.com/options Email us at info@remnantfinance.com or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE _____________________________ In this episode, Hans sits down with John Frankman, a former Green Beret turned congressional candidate running for Florida's First District. John walks through what it actually takes to become a Green Beret, the brutal pipeline from selection through Robin Sage, and how the COVID vaccine mandate ended a career he'd spent over a decade building. Hans and John dig into the moral, religious, and legal grounds for refusing the shot, the bureaucratic punishment that followed, and why John believes the COVID accountability fight is the linchpin for cleaning up the rest of the rot in the Pentagon. They close on his congressional run, the establishment machine he's up against, and why most veterans in the most veteran-dense district in America don't have a veteran representing them. Chapters: 00:00 – Opening segment 01:30 – From LA to ROTC to the seminary 03:50 – The Green Beret pipeline: enlisted vs. officer routes 05:30 – Selection: 34% attrition, four MREs a day, and 20 lbs lost 09:50 – Special Forces vs. SEALs vs. Rangers 13:40 – Working by, with, and through partner forces 15:10 – The Q Course, SERE, and language training 16:30 – Inside Robin Sage: the unconventional warfare exercise 20:45 – Military Free Fall and getting to 7th Group 23:15 – The transgender major and the first test of conviction 25:50 – The shot mandate hits the team room 27:15 – Vaccination rate as a metric for good leadership 30:45 – Aborted fetal cells and the Catholic moral case 33:00 – Counseling the command back 36:25 – A year of being un-deployable, un-PCS-able, useless 37:40 – The two-star & the town hall 39:20 – Why the reinstatement process is a joke 41:00 – Why COVID accountability is the linchpin 42:45 – From silent retreat to running for Congress 44:00 – Matt Gaetz, the State of the Union, and stepping aside for Trump's pick 47:10 – Why Patronis isn't fighting for the district 50:30 – The most veteran-dense district in America has no veteran on staff 54:00 – Thomas Massie, special interest money, and the uphill fight 57:10 – Where to find John and how to support the campaign Key Takeaways: The Green Beret pipeline is brutal and specific. Selection alone has an enormous attrition rate before the year-plus Q Course even begins. Special Forces work by, with, and through partner forces, which is what distinguishes Green Berets from other Special Operations Forces. The COVID mandate metric was a disqualifier for leadership. The percentage of your team that took the shot became the measure of a good leader. That single inversion of values exposed which commanders had spines and which didn't. The shot was never FDA approved when the mandate was issued. Comirnaty was the approved label, but it was never available. Pfizer EUA was what was actually in the vials, which made the order unlawful on its face. Insubordination, done right, is documented. John responded to his counseling statement by numbering each paragraph and refuting it on the record. His whole team followed suit. Most commanders had no answer because there were no legally defensible responses. The reinstatement process is theater. The administration wants a headline, not accountability. The biggest COVID tyrants are still in the Pentagon and still the loudest cheerleaders for every other ideological capture.

E100 - Don't Die Without Creating These 4 Documents First…

Connect with Rohit Punyani: https://ownersasset.com/resource-library [https://ownersasset.com/resource-library]Book a call: https://remnantfinance.com/calendar  Out Print the Fed with a 1% target per week: https://remnantfinance.com/options Email us at info@remnantfinance.com or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE _____________________________In this episode, Hans welcomes back Rohit "Ro" Punyani from The Owner's Asset for a deep dive on estate planning, building from the basics that every family needs all the way up to advanced techniques used by ultra-high-net-worth families. Ro and Hans start with the four foundational documents every American needs regardless of net worth, then transition into the real heart of the episode: how life insurance functions as the single most powerful tool in estate tax planning. They walk through why "insurability is a currency," how convertible term lets you shield tens of millions from estate tax without consuming your exemption, and why the conventional advice to move everything out of your estate is often wrong. Chapters: 00:00 – Opening segment 01:55 – Why estate planning is unique to every family 04:25 – The Last Will and Testament: pros, cons, and the guardianship rule 09:35 – The "title test": what goes in the will vs. the trust 12:30 – Probate, public record, and Robin Williams 18:10 – Revocable trusts: what they actually do 25:40 – Frankenstein trusts and the funding problem 27:55 – Pour-over wills as the catch-all 33:25 – Why vague language kills directives 41:30 – Financial power of attorney and conservatorship 44:20 – Why banks demand their own POA forms 48:50 – Why the four documents stay separate 51:35 – Estate tax vs. income tax 01:01:00 – A real case: $6M policy, the irrevocable fix 01:04:00 – Insurability is a currency 01:11:50 – The Rockefeller Method: IBC on the kids 01:17:25 – Intentionally Defective Grantor Trusts 01:23:50 – Why the IRS allows hot-swapping assets 01:35:15 – Apocalyptic optionality: how IBC creates options 01:37:35 – Closing thoughts Key Takeaways: Every American needs the big four documents: a will, a revocable trust, a medical directive, and a financial power of attorney. The will is non-negotiable if you have kids because it names guardians, and a trust cannot. Insurability is a currency. Every healthy year you don't lock in coverage is wealth left on the table, and convertible term placed in an irrevocable trust consumes $0 of your $30M estate tax exemption. The contrarian play is to keep assets in your estate, not out of it. Preserve the step-up in basis on appreciating assets, then use massive life insurance death benefit (owned irrevocably) to pay the inevitable tax bill tax-free. Whole life beat the Barclays Aggregate Bond Index in 9 of the last 10 years after tax. The 15-year return on the broadest bond index is 2.21% taxable versus roughly 4.5-5% tax-free for dividend-paying whole life, with a death benefit on top. The Rockefeller Method scales this across generations. Start max-funded IBC policies on the kids, keep them in your estate, and create cascading multi-generational liquidity where each generation gets a step-up and tax-free death benefit to pay the next round of taxes.

E99 - IBC Master Class Pt. 3: How Policy Loans Actually Work

https://www.givesendgo.com/wrap-around-the-punt-family [https://www.givesendgo.com/wrap-around-the-punt-family] Book a call: https://remnantfinance.com/calendar  Out Print the Fed with a 1% target per week: https://remnantfinance.com/options Email us at info@remnantfinance.com or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE _____________________________ In this episode, Hans delivers the third installment of the IBC Master Class, walking through the mechanics of policy loans and making an urgent case for why protection must come before growth.  Hans implores fathers to button up their protection plan before chasing the next moonshot investment. He then transitions into the technical heart of the episode: how policy loans actually work, why they're the most powerful lending tool available to consumers, and how this single mechanism lets you keep your money compounding while you put it to work elsewhere. Chapters: 00:00 – Opening segment 01:00 – Recap of Parts 1 and 2: cash value, base premium, PUA, and the MEC line 05:30 – A father's tragedy and a wake-up call 08:30 – Why "buy term and invest the difference" leaves families exposed 11:25 – Protect, save, grow: the proper order of operations 13:30 – The three types of economic death (Solomon Huebner) 18:35 – The Accelerated Death Benefit Rider: a free lifeline most people ignore 20:15 – Waiver of premium and how a policy becomes self-completing 23:00 – Setting up the policy loan illustration 24:35 – The three players: cash value, the insurance company, and your bank account 27:25 – Why moving money from savings, stocks, or HELOC depletes the source 29:50 – Using the death benefit as collateral (and why the company says yes) 32:20 – The certainty of repayment: why there's no schedule, application, or credit check 36:40 – The mortgage comparison: what changes when the lender is the guarantor 40:05 – Bitcoin-collateralized loans vs. policy loans: control and stress 43:45 – The 100% rate of return: how you become the banker 48:00 – What the illustration doesn't show you: capital working in multiple places 50:50 – Non-direct recognition: getting the full dividend regardless of loans 52:55 – The free rider that becomes a lifeline (revisiting accelerated death benefit) 57:50 – Closing thoughts  Key Takeaways: Protect, save, grow is the order, not a suggestion. Optimizing for IRR while leaving protection gaps builds a skyscraper on sand. One accident, illness, or long-term care event can wipe out every growth asset you've ever acquired. The policy loan is the most effective lending tool a consumer has access to. No application, no credit check, no schedule, no amortization, no questions asked. Because the insurance company is the guarantor of the collateral, they have certainty of repayment and don't care when you pay it back.  Your cash value never gets touched. The company lends you their money and collateralizes your death benefit. Your full cash value keeps compounding, your dividends are calculated on the full policy value, and your capital stays working.  The Accelerated Death Benefit Rider is a free lifeline most policyholders forget exists. A specific medical condition, chronic illness, or terminal diagnosis lets you advance your death benefit while you're still alive.  You become the banker by spreading on your own capital. Borrow at 5%, invest at 10%, and you've replicated what commercial banks do. That's a 100% rate of return on the spread.  The illustration doesn't show the whole picture. The cash value column shows uninterrupted compound growth, but it doesn't reveal that the same capital can be funding rental properties, syndicates, and options trades simultaneously.

E98 - How to Buy Whole Life Insurance with Pre-Tax Dollars (Legally)

Connect with Rohit Punyani: https://ownersasset.com/resource-library [https://ownersasset.com/resource-library]Book a call: https://remnantfinance.com/calendar  Out Print the Fed with a 1% target per week: https://remnantfinance.com/options Email us at info@remnantfinance.com or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE _____________________________In this episode, Hans is joined by Rohit Punyani, co-founder of The Owner's Asset and a former Wall Street CIO who oversaw $4 billion at a multi-family office and community bank. After 20+ years in financial services starting as a large-cap stock picker, moving into wealth management at Wilmington Trust, and ultimately running money for hundred-millionaires and billionaires—Rohit fell in love with whole life insurance. Now he's built a firm dedicated to helping small business owners buy whole life with pre-tax dollars through cash balance plans. Chapters: 00:00 – Opening segment 01:50 – Rohit's background: from $2B mutual fund to multi-family office CIO 04:30 – How the wealthiest clients actually think (structure over IRR) 06:00 – Why affluent families pushed Rohit toward whole life 08:35 – The five pillars of wealth (and why investments rank third) 09:05 – Overcoming bias: how a Wall Street guy learned to love whole life 13:30 – Banking function: sourcing capital and the limits of margin loans 17:50 – Asset vs. liability: how to think about policy loan repayment 22:35 – Introducing cash balance plans: the 96% cousin of the 401(k) 25:25 – The four major differences between 401(k)s and cash balance plans 26:25 – Contribution limits: putting away up to $400K per year 28:45 – The three-to-five year commitment requirement 33:15 – Who's the ideal candidate (quarterly estimated tax payers) 38:00 – Why you can't use a PUA rider in a cash balance plan 42:25 – The "synthetic PUA": getting Uncle Sam to fund your policy 51:25 – The optionality argument: why this beats chasing rate of return 55:15 – Enhanced ERISA creditor protection inside the plan 58:55 – Building self-escrow systems for retirement 01:03:55 – Wholesale vs. retail pricing on whole life premium 01:06:25 – The distribution mechanics: pulling life insurance out of the plan 01:21:35 – Converting term insurance into a cash balance plan policy 01:24:35 – Asset allocation rules: the 40% life insurance cap 01:31:30 – The 5% corridor: why the IRS caps your returns 01:33:30 – The 50% excise tax on overfunded plans 01:39:55 – Whole life as the "high ground" in your portfolio 01:43:15 – Statement wealth vs. contractual wealth 01:53:55 – Pairing annuities with whole life inside the plan 02:00:00 – Rohit's personal retirement plan 02:06:35 – Designing your 401(k) as your pension (not "on steroids") 02:11:00 – Closing segment  Key Takeaways: The wealthy don't worship at the altar of IRR. After running money for hundred-millionaires and billionaires, Rohit learned that affluent clients optimize for structure, behavior, and optionality before they optimize for return. T The "synthetic PUA" reframes everything for IBC practitioners. You can't use a PUA rider inside a cash balance plan, which might make IBC enthusiasts dismiss it immediately. But think of the tax deduction itself as a synthetic PUA. . Wholesale pricing changes the math entirely. To pay $100,000 of premium with after-tax dollars, you have to earn roughly $140,000 to $150,000 depending on your state. The distribution arbitrage is the cherry on top. When you pull a $1 million policy out of the plan, you owe taxes just like an IRA distribution. But unlike an IRA, the custodian cannot withhold from the policy itself.

E97 - IBC Masterclass Pt. 2: The MEC Line and Term Riders

Book a call: https://remnantfinance.com/calendar  Out Print the Fed with a 1% target per week: https://remnantfinance.com/options Email us at info@remnantfinance.com or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE _____________________________In this episode, Hans returns for Part 2 of the IBC Masterclass, picking up where the first conversation left off. If Part 1 was about understanding what cash value actually is, this episode is about why your policy is structured the way it is, why you can't just dump everything into PUA, and what a real whole life illustration actually looks like line by line. Chapters: 00:00 – Opening segment 03:35 – A brief history of the Modified Endowment Contract (MEC) 07:20 – Section 7702 and the tax benefits that make whole life work 10:35 – The arbitrary 7-year test and how Congress drew the line 17:45 – Why faster payment timeframes require larger premiums 20:30 – Visualizing the MEC line: where the IRS draws the boundary 24:15 – The consequences of MECing a policy (losing your tax benefits) 27:20 – Introducing the term rider: the third type of premium 29:40 – How a small term premium raises your MEC ceiling 31:50 – The 50/50 vs 20/80 tradeoff and when term riders are needed 35:50 – Reading the premium breakdown page 36:50 – Guaranteed vs non-guaranteed sides of the ledger 38:20 – The three assumptions baked into every illustration 45:50 – When your dividend exceeds your base premium 46:30 – Calculating year-over-year growth as a "savings rate" 50:20 – Why you never want premium payments to stop 53:20 – Closing segment Key Takeaways: Whole life insurance is so powerful that financial services firms had to lobby Congress to restrict it. In the 1980s, money flooded into whole life because CPAs were directing wealthy clients to use single-pay policies as a tax-favorable wealth transfer tool. Mutual fund companies, losing market share, lobbied for what became the 1988 TAMRA legislation and the Modified Endowment Contract rules.  The MEC line is the boundary your agent is structuring around. Section 7702A says that if you pay up your death benefit faster than seven years, your policy loses its life insurance tax treatment and becomes a Modified Endowment Contract. Once “MEC’d”, you cannot reverse it. Policy loans, cash value growth, and dividends all become taxable.  The term rider exists to expand your PUA allowance. By adding a small amount of term premium (often a few hundred dollars), you buy a large chunk of additional death benefit cheaply. That raises the MEC ceiling, which lets you pay more PUA premium without crossing the line. The more you dial down base in favor of PUA, the more term you need. A 50/50 policy usually doesn't need a term rider. A 20/80 structure does. The tradeoff: more PUA means faster cash value, but it requires more careful structuring to stay under the MEC line. A properly structured policy hits profitability fast. In the Jinx McCashValue example, the policy generates more cash value than premium paid by year three. By year 17, $20,000 of premium creates $41,000 of cash value growth in a single year. By age 65, the dividend alone exceeds the entire annual premium. You should want to keep paying premium for as long as possible. Once your dividend exceeds your premium, every additional payment is a deeply discounted purchase of future tax-free growth. Hans frames this as capitalizing your system, not funding an expense. The day you have to stop paying is the day to be sad, not the day you've been waiting for.