In today’s fast-paced financial landscape, many individuals and families find themselves trapped in a cycle of debt, limited by conventional banking practices and traditional financial advice. Jayson Lowe and Richard Canfield, Co-Founders of Wealth on Foremost Street, an education company delivering content to North Americans, and co-hosts of the favored Wealth on Foremost Street podcast, are on a mission to vary this narrative.
Through their brand, “Wealth on Foremost Street,” powered by Ascendant Financial, they bring about the transformative Infinite Banking Concept to the forefront of private finance. This approach challenges the established order, offering an education-first, not product-first, methodology that has garnered hundreds of five-star reviews from satisfied clients across North America.
A Vision Rooted in Education
Jayson Lowe’s journey into the world of Infinite Banking began in 2008 when he recognized a fundamental flaw in how people manage their funds. As a Chartered Life Underwriter, he saw firsthand the restrictions of traditional financial planning and the opportunities lost when individuals hand over control of their money to external entities. This realization inspired him to teach others on the Infinite Banking Concept—a process that empowers people to take control of how they finance all of the things they need during a lifetime, corresponding to investment opportunities, business equipment, homes, education, major appliances, cars, etc., ensuring that their money works harder and smarter for them.
“What sets us apart is that we help people by actually helping them,” Jayson explains. “Since inception, we’ve led with education, not products. We make sure that our clients understand learn how to take control of their funds, fairly than simply selling them something and moving on.”
This commitment to education is obvious in every aspect of Jayson and Richard’s approach. Their team at Ascendant Financial provides comprehensive coaching and support, ensuring clients fully grasp the principles of Infinite Banking and learn how to apply them to their unique situations. Unlike many within the financial services industry who give attention to transactions and sales, your entire team is devoted to repeatedly fostering a deep understanding of what their clients truly value, after which delivering that.
The Power of the Infinite Banking Concept
At its core, the entire idea of the Infinite Banking Concept is to recapture the interest that one is paying to banks and finance firms for all the most important items that we want during a lifetime. It revolves around the basic truth that somebody must perform the banking function because it pertains to your needs. Most individuals unknowingly abdicate this responsibility, allowing traditional banks to make the most of their flow of cash while they forego control over their financial destiny. The Infinite Banking Concept flips this model on its head, giving individuals the tools to grow to be their very own bankers, and keeping the cash where it belongs, inside their very own system
The elemental truths of this idea are easy yet profound: your money must reside somewhere, so why not keep it in a spot where you’ve total control, tax benefits, and guaranteed each day growth that can’t go backward? By storing money in specially designed dividend-paying life insurance policies, individuals can contribute almost unlimited sums, have ready access capital on demand, on their terms, and pay no tax on the each day build-up or on the death profit, which is paid tax-free to their beneficiaries, exactly when it’s needed probably the most.
“The interest you pay the life insurance company would have been paid to someone anyhow, a lot better it goes to an organization you co-own and share in all of the profits,” Richard says. “Imagine if everyone you knew did this … you’ll have a closed-loop aquarium of capital where all of us make the most of each other’s combined interest payments.”
“Who doesn’t need a peaceful, stress-free lifestyle financially?” Jayson asks. “We’re not talking about changing any financial objectives our clients can have. As a substitute, we’re teaching them learn how to change the technique of achieving those objectives in a way that reduces market risk, tax risk, and liquidity risk.” How would you’re feeling in case your money was not subjected to those risks?
Overcoming Challenges and Constructing Trust
Like every progressive approach, introducing the Infinite Banking concept to a wider audience has not been without its challenges. Jayson has faced skepticism and resistance from those accustomed to traditional financial planning methods. Nonetheless, he has successfully overcome these obstacles by maintaining a steadfast commitment to transparency, education, and client-centered service.
“We’re accountable only to our clients,” Jayson says. “When someone works with us, they don’t just get one advisor—they get our entire team, bringing all of our experience and resources to bear. This collaborative, team-based approach is a stark contrast to the transaction-focused mentality that dominates our industry.”
This dedication to putting clients first has earned Jayson and his team a status because the gold standard in Infinite Banking in North America. The hundreds of five-star Google reviews from real clients are a testament to the impact of their work and the trust they’ve built since their journey began in 2008.
A Tribute to a Pioneer
Jayson and Richard’s work is deeply inspired by their late mentor, R. Nelson Nash, the pioneer of the Infinite Banking Concept and writer of the bestselling book, Becoming Your Own Banker. Nash’s teachings laid the groundwork for a financial revolution, and each men are determined to hold his legacy forward.
“Our book, Don’t Spread the Wealth, is an extension of what Nelson pioneered and developed,” Richard shares. “We’re bringing these principles to the family level, showing real-life examples of how Infinite Banking will be applied not only individually, but as a method for family wealth management.”
Nash’s influence is obvious of their approach to each his business and private philosophy. They emphasize that understanding the issue is crucial to ensure that the answer to matter. By educating people on this problem, Jayson and Richard help them see the worth in taking control of the banking function in their very own lives.
Looking Ahead: Constructing a Legacy of Financial Freedom
Trying to the long run, Jayson and Richard envision a world where more families understand and embrace the Infinite Banking Concept, using it to construct lasting wealth and financial security. They dream of a economic system where individuals aren’t any longer depending on traditional banks and may enjoy the advantages of controlling how they finance all of the things they need.
“Our goal is to proceed developing a deep understanding of what our clients truly value and to deliver that consistently,” Jayson says. “We wish every reader of our book to walk away with their eyes opened to a wholly latest financial world—one which radically improves whatever they’re currently doing or contemplating doing financially.”
Their dedication to spreading this message is obvious of their work with Ascendant Financial, in addition to their ongoing efforts to teach the general public through their podcast, soon to be rebranded to Wealth on Foremost Street. Through these platforms, Jayson and Richards proceed to share the principles of Infinite Banking, encouraging others to take control of their financial futures.
Take the First Step Toward Financial Independence
For those who’re intrigued by the thought of becoming your personal banker and need to learn more in regards to the Infinite Banking Concept, Jayson and Richard’s book is a must-read. It offers a simple, accessible introduction to those powerful principles, providing readers with the knowledge and tools they need to begin taking control of their financial destiny today.
Don’t let your hard-earned money slip through your fingers. Take step one toward financial independence and explore the world of Infinite Banking with Jayson Lowe and Richard Canfield of their book Don’t Spread the Wealth and Wealth Without Bay Street. It’s time to reclaim control over your financial future and construct a legacy of wealth for generations to return.
**Investing involves risk and your investment may lose value. Past performance gives no indication of future results. These statements don’t constitute and can’t replace skilled investment or financial advice.
