Ultimate Cash Strategy | Moran Financial

Infinite Banking

^®

for Business Growth and Tax Defense

If you're a Canadian business owner, you're already playing the hardest game in finance—and the CRA keeps moving the goalposts.

While you’re building jobs, creating value, and managing day-to-day operations, the government is relentlessly targeting your income, your savings, and your success.

But here’s the truth they don’t want you to know:
You can fight back—legally and powerfully—using the Infinite Banking Concept^® (IBC^®).

Infinite Banking^® for Business Growth and Tax Defense
If you're a Canadian business owner, you're already playing the hardest game in finance—and the CRA keeps moving the goalposts.

While you’re building jobs, creating value, and managing day-to-day operations, the government is relentlessly targeting your income, your savings, and your success.

But here’s the truth they don’t want you to know:
You can fight back—legally and powerfully—using the Infinite Banking Concept^® (IBC^®).

IBC®: The Perfect Warehouse for Business Capital

Your business needs cash. Whether it’s for payroll, inventory, marketing, equipment, or growth, liquidity is your oxygen. But here’s the problem:

You’re either losing interest or paying it—up to 34 cents on every dollar—to banks and lenders.

With IBC^®, you reclaim control. You gain access to capital on your terms, without invasive applications, credit checks, or rigid repayment schedules.

It’s like having a private line of credit that pays you back—while your money continues to grow, uninterrupted, inside the policy.

Use your policy’s growing cash value to:

• Finance major equipment or fleet purchases
• Cover payroll or operating costs
• Launch new marketing campaigns
• Acquire commercial or residential real estate
• Fund staff benefit programs
• Protect key employees
• Buy out partners
• Plan for succession or exit

And do it all without giving up liquidity, growth, or control.

Advanced Tax Strategy the CRA Hopes You Never Learn

Let’s talk taxes—because this is where IBC^® becomes your secret weapon.

If you’re still relying on traditional “tax shelters” or CRA-qualified plans, you’re on a path riddled with traps:

• The Small Business Deduction (SBD) is being clawed back

• Passive income is taxed at 47–54%

• Capital gains tax could jump from 50% to 66.67%

• And every dollar of interest you pay is just money bleeding from your bottom line

IBC^® changes everything:

Pay $0 tax on passive income growth inside your policy

Recapture interest you would’ve paid to banks

Pay capital gains tax for pennies on the dollar through strategic planning

Protect your retained earnings from government overreach and creditors

Pass wealth tax-free to your heirs through a private contract—outside your estate

Unlike RRSPs or TFSAs, there are no reporting requirements for your policy. No income limits. No employer matching obligations. Just a private, tax-exempt, flexible financial structure that works with your business—not against it.

The Characteristics of the Perfect Business Asset

Let’s be honest. If you could design the perfect place to store your retained earnings, it would look like this:

Safe from loss

Liquid when needed

Tax-free growth

Guaranteed returns

Unreported to CRA while policy in effect

Grows uninterrupted—even when leveraged

Comes with a built-in death benefit

You Deserve to Keep More of What You Earn
You’ve worked too hard to hand over more of your wealth to the CRA than necessary. It’s time to defend your business, your family, and your financial future—with tools the top 1% have used for generations.

At Moran Financial, we help business owners implement smart, tax-efficient strategies that align with your growth, risk, and legacy goals.

Let us show you how to:

• Eliminate unnecessary tax drains
• Build a private, liquid capital reserve
• Create a lifetime stream of tax-free retirement income
• Pass your business and wealth on—without probate, delays, or government interference

Start Your Journey Today

Download our free eBook: Think Like a Banker – And Flip Debt on Its Head
Read Nelson Nash’s classic: Becoming Your Own Banker
CONTACT an IBC® Coach today

It starts with one step: learning. Let’s show you how IBC works. No cost. No obligation. Just clarity.

IBC

^®

The Ultimate Cash Strategy for Business Owners

Infinite Banking

for Business Growth and Tax Defense

IBC

is a generational wealth-building system.