About Us

---

 The "Rockefeller build your own bank method," also known as the Infinite Banking Concept, is a wealth management strategy centered on using a specially designed, overfunded whole life insurance policy as a personal or family banking system. The core idea is to create a private, self-sustaining financial ecosystem that keeps capital within the family across generations.  

• Whole Life Insurance as the "Bank": The foundation is a high-cash-value, dividend-paying whole life insurance policy. Unlike term life insurance, these policies build cash value that grows tax-deferred over time.
• Family Trust: The insurance policies are often held within a formal family or irrevocable trust, which provides structure, legal protection from creditors or lawsuits, and control over how the assets are managed and distributed.
• Accessing Capital via Loans: Instead of withdrawing money (which can be a taxable event), family members can borrow against the policy's cash value. These loans can fund major life events like education, starting a business, or real estate purchases.
• Repayment and Reinvestment: A crucial discipline of the method is that the family members pay the loans back with interest into the trust. This ensures the wealth and the interest payments remain within the family ecosystem, rather than going to external banks. 

• The "Waterfall" (or Perpetuation) Effect: Upon the death of the insured, the tax-free death benefit is paid to the trust. A portion of this payout can then be used to purchase new life insurance policies on the next generation, ensuring the system and the capital are continually replenished and available for future generations, effectively making the "bank" perpetual. 

 Purpose and Benefits 

• Preserve Wealth: Shielding assets from taxes, lawsuits, and poor spending decisions.
• Ensure Liquidity: Providing a source of accessible capital for opportunities or emergencies.
• Promote Accountability: Family members must present a plan and adhere to specific governance rules when borrowing funds, which encourages financial responsibility. 

Estate Planning is the process of creating a legal legacy that allows for the present management and swift transfer of family assets from one generation to the next at the lowest possible cost. Even a modest estate consisting of a home and retirement account in the Bay Area can result in significant fees in probate court, and long delays in order to change the title to property held by the deceased. A properly structured estate plan avoids these excessive costs and delays by using living trusts or re-titling property. A variety of trusts or holding structures can also be used to minimize taxes on a larger estate, and minimize exposure to aggressive creditors.

A typical family plan will include a Trust, Pour-Over Will, Durable Power of Attorney for Financial Needs, and a Living Will or Healthcare Directive. The Law mediator, Corp charges competitive flat rate fees for this complete package, depending on the complexity of the Trusts involved; some estates require more advanced planning, including Special Needs Trusts, Family Limited Partnerships, Limited Liability Companies, S Corporation Formation, Life Insurance Trusts, Medi-Cal Planning, and Charitable Planning.

People don't plan to fail; they just fail to plan. The team of The Law Mediator, Corp. can protect a family's future by preparing the proper business and estate plan in advance.