A North American Podcast show focused on helping Canadian & USA families and business owners create dependable wealth using the process of #becomingYourOwnBanker, known as The #InfiniteBankingConcept, with a combination of expert interviews and discussions surrounding business, wealth and cashflow strategies to optimize your financial life. The hosts, Jayson Lowe and Richard Canfield, place a focus on the foundation for economic success using the powerful Infinite Banking Concept created by the late R. Nelson Nash.
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September 11, 202655 min
338: How Much Life Insurance Do I Actually Need?
It’s one of the most common questions people type into Google, ask ChatGPT, and search on YouTube. Richard Canfield breaks down the concept that insurance companies actually use to answer it: human life value. What is human life value? According to Richard, it’s “the economic value associated with your life based on the people that depend on you.” Insurance companies don’t know your family’s full story; what they know is your income and your age, and that’s largely what determines the number they land on. As Richard puts it, “your family doesn’t love you because of your income. They love you […]
September 9, 20261 hr 2 min
337: Am I Too Old for Life Insurance?
No, the majority of people who start whole life insurance or Infinite Banking are between 45 and 65 years old. “I’m in my 50s. I’m in my 60s. Isn’t this going to be too expensive?” It’s one of the most common questions Neil Dietrich, Lead Advisor at Ascendant Financial, hears from clients and in this episode of Wealth on Main Street, he joins Richard Canfield to answer it directly, along with several other real-world “trench stories” from years of helping clients navigate Infinite Banking. At What Age Should You No Longer Have Life Insurance? Here’s what might surprise you: the overwhelming […]
September 2, 202650 min
336: Financial Planning After Loss | Jeff Treleaven's Story
Money is never just about money. It’s about the people we love and the future we’re all trying to protect, especially in the moments we never see coming. In this episode of Wealth on Main Street, we sit down with Jeff Treleaven, a teammate at Ascendant Financial, for a conversation that goes far beyond typical financial planning. Jeff has walked through grief most people can’t imagine: losing his father at 16, and losing his oldest daughter suddenly in 2023. Through that pain, he found a deeper calling, helping families build the agency, resilience, and preparation they need before life changes in […]
August 26, 20261 hr 1 min
335: Infinite Banking for Business Owners - A Real Example
Karyn Kokeny, 10X business coach, discussing Infinite Banking for business owners on Wealth on Main Street
August 17, 202643 min
334: Nelson Nash's Foundation Lesson in Infinite Banking
How long do you suppose a skyscraper would stand on a weak foundation? That’s the question Nelson Nash, the founder of the Infinite Banking Concept, asked Jayson Lowe the first time they spoke at a conference. Decades later, it’s still the question that separates people who actually understand Infinite Banking from people who are just shopping for a better insurance product. In a recent episode of Wealth on Main Street, teammate Paul Eikeland flipped the format and interviewed Jayson Lowe and Richard Canfield about their personal history with Nelson Nash and what his teaching really meant. Here’s what came out of […]
August 7, 202646 min
333: Farming Is One of the Most Capital-Intensive Businesses
When people picture farming, they picture open fields, tractors, and sunsets. What they don’t picture is one of the most capital-intensive businesses on the planet, millions of dollars tied up in land, equipment that can cost as much as a family home, and banks that “somehow always seem to know exactly when your payment is due.” Jayson Lowe and Richard Canfield sit down with Dan Allen, co-author of Growing Your Own Capital, and his clients, Ryan and Brittany, a young farming couple near Strathmore, Alberta, to talk about what changed once they took control of their own capital. Why is farming […]
July 30, 202647 min
332: How Does Infinite Banking Actually Work? A Client-Turned-Advisor Explains
Reading time: 2 minutes Before John Saintloth ever taught the Infinite Banking Concept, he lived it. Before he became an advisor at Ascendant Financial, he was a client. Before either of those things, he was a 14-year-old boy reuniting with his mother in Canada five years after she had to flee Haiti and seek asylum at the American embassy. On a recent episode of Wealth on Main Street, hosts Jayson Lowe, CEO, Ascendant Financial, and Richard Canfield, Bestselling Author and Podcast Host, sat down with John to talk about the moment a Facebook ad stopped him mid-scroll, the book that kept […]
July 24, 202652 min
331: How Does Key Person Insurance Work? A Complete Guide for Business Owners
Ever feel like your business is one precarious Monday away from chaos? You’re not alone. Most entrepreneurs spend more time worrying about printer jams and coffee shortages than life’s big curveballs, like, you know, unexpectedly losing the one person who holds the whole operation together (hint: it often isn’t the guy refilling the toner). Welcome back to the “Wealth on Main Street” podcast blog, where money myths go to die, and practical wealth-building is always on tap. I’m Richard Canfield, Authorized Infinite Banking Practitioner with the Nelson Nash Institute, Amazon bestselling author, podcast host, and your friendly neighbourhood Kolbe Consultant. Today, […]
July 16, 202652 min
330: How to Build a Career as an Infinite Banking Advisor in Canada | Ashley Doyle's Story
Ashley Doyle trained soldiers in Afghanistan. Real pressure. Not "my Zoom froze" kind of pressure. Today he helps Canadian families build generational wealth through the Infinite Banking Concept. This episode is about leadership. Service. Purpose. And what happens when you stop feeling like a lone ranger.
July 3, 202657 min
329: Josh Bought IULs for Infinite Banking, Here’s What Happened
The short answer is no. The longer answer requires understanding why, because the question is being asked more than ever, and the misinformation circulating on social media around this topic is causing real financial harm to real people. Right now, social media is full of content promoting Indexed Universal Life insurance as “infinite banking 2.0,” an upgraded, modern version of the concept that Nelson Nash created. It is not. And the man who created IBC said so directly, in writing, on page 39 of Becoming Your Own Banker . “I never sold one when I was in the business, and I surely wouldn’t buy one. I would not recommend it nor use it for the infinite banking concept.” – Nelson Nash Nelson Nash spent 35 years in the life insurance industry. He won lifetime achievement awards. He was a member of the Million Dollar Roundtable. He sat on every major committee in the industry. And in all of that time, he never sold a single Indexed Universal Life, variable life or traditional universal life policy. That statement should do a lot of your thinking for you. Why Is This Question Being Asked So Often in 2026? There are three reasons this question keeps coming up. First, social media marketing. IUL products are heavily marketed online. They illustrate well, meaning the projected numbers look impressive on paper. And they are being marketed aggressively by people who are either uninformed about IBC or who are deliberately misusing the trademark. Second, the trademark is being violated. The Infinite Banking Concept is a registered trademark of the Nelson Nash Institute. Authorized practitioners — like the advisors at Ascendant Financial have signed an agreement to use the concept and its trademarks correctly. Many people promoting IUL as an IBC vehicle are not authorized and are not following the trademark policy. Third, people genuinely do not know the difference. And that is not their fault. The distinction between a product and a process is not obvious. If the first content you encounter about IBC is promoting an IUL, it is entirely reasonable to assume that it is the right vehicle. It is not. The History of Universal Life: Where It Came From and Why It Matters To understand why IUL does not work for IBC, you need to understand what universal life actually is and where it came from. Nelson Nash was direct about this on page 39: “It was invented in the early 1980s by E.F. Hutton, a stock brokerage firm, in my opinion, that knew nothing about life insurance.” That matters. How we think about something is shaped by what created it. The insurance industry did not invent universal life to serve policyholders. It was invented by a stock brokerage firm to compete with whole life insurance during a period of high interest rates by unbundling the savings and insurance components of a whole life policy and putting them in a single package under a different structure. The original format was simple: one-year term insurance with a side fund of an interest-bearing account. In the 1980s, when interest rates were running at 10 to 12 percent, that side fund looked attract...
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