#107 - Take Control of Your Capital: Infinite Banking Strategy With Brent Kesler
04/22/25 • 38 min
Host Tait Duryea sits down with Brent Kesler, a seasoned life insurance strategist, to explore how pilots and high-income earners can build wealth by turning whole life insurance into a personal banking system. Brent breaks down the misunderstood "infinite banking" concept and how it can be used for real estate, debt payoff, or high-return lending—all while keeping control of your capital.
Brent Kesler is a former chiropractor turned financial educator specializing in life insurance strategies. After implementing the infinite banking concept in his own life, Brent transitioned to teaching others how to build wealth by using high-cash-value life insurance policies. As the founder of The Money Multiplier, he now helps high-income individuals take control of their finances outside of traditional banking and investment models.
Interested in getting started with a policy?
We recommend reaching out to our trusted partners at Money Insights (https://moneyinsightsgroup.com) for a customized strategy designed specifically for high-income professionals and pilots.
Show notes:
(0:00) Intro
(03:55) Whole life insurance vs. “infinite banking”
(11:12) Brent's backstory and entry into life insurance
(18:46) Debt, leverage, and using your policy
(24:03) Why whole life is NOT an investment
(27:43) How policies build over time
(32:17) Why this strategy isn’t mainstream
(34:46) How much life insurance banks actually own
(36:39) Why agents don’t often recommend this approach
(37:50) Outro
Connect with Brent:
- Free eBook: Mapping Out the Millionaire Mystery by Brent Kessler and Chris Naugle
- 📧 Request via email: [email protected]
- 🎥 90-minute video at www.themoneymultiplier.com
If you’re interested in exploring high cash value life insurance as a personal banking strategy, we recommend connecting with our trusted team at Money Insights: https://moneyinsightsgroup.com
—
You've found the number one resource for financial education for aviators! Please consider leaving a rating and sharing this podcast with your colleagues in the aviation community, as it can serve as a valuable resource for all those involved in the industry.
Remember to subscribe for more insights at PassiveIncomePilots.com! https://passiveincomepilots.com/
Join our growing community on Facebook: https://www.facebook.com/groups/passivepilots
Check us out on Instagram @PassiveIncomePilots: https://www.instagram.com/passiveincomepilots/
Follow us on X @IncomePilots: https://twitter.com/IncomePilots
Get our updates on LinkedIn: https://www.linkedin.com/company/passive-income-pilots/
Do you have questions or want to discuss this episode? Contact us at [email protected]
See you on the next one!
*Legal Disclaimer*
The content of this podcast is provided solely for educational and informational purposes. The views and opinions expressed are those of the hosts, Tait Duryea and Ryan Gibson, and do not reflect those of any organization they are associated with, including Turbine Capital or Spartan Investment Group. The opinions of our guests are their own and should not be construed as financial advice. This podcast does not offer tax, legal, or investment advice. Listeners are advised to consult with their own legal or financial counsel and to conduct their own due diligence before making any financial decisions.
Host Tait Duryea sits down with Brent Kesler, a seasoned life insurance strategist, to explore how pilots and high-income earners can build wealth by turning whole life insurance into a personal banking system. Brent breaks down the misunderstood "infinite banking" concept and how it can be used for real estate, debt payoff, or high-return lending—all while keeping control of your capital.
Brent Kesler is a former chiropractor turned financial educator specializing in life insurance strategies. After implementing the infinite banking concept in his own life, Brent transitioned to teaching others how to build wealth by using high-cash-value life insurance policies. As the founder of The Money Multiplier, he now helps high-income individuals take control of their finances outside of traditional banking and investment models.
Interested in getting started with a policy?
We recommend reaching out to our trusted partners at Money Insights (https://moneyinsightsgroup.com) for a customized strategy designed specifically for high-income professionals and pilots.
Show notes:
(0:00) Intro
(03:55) Whole life insurance vs. “infinite banking”
(11:12) Brent's backstory and entry into life insurance
(18:46) Debt, leverage, and using your policy
(24:03) Why whole life is NOT an investment
(27:43) How policies build over time
(32:17) Why this strategy isn’t mainstream
(34:46) How much life insurance banks actually own
(36:39) Why agents don’t often recommend this approach
(37:50) Outro
Connect with Brent:
- Free eBook: Mapping Out the Millionaire Mystery by Brent Kessler and Chris Naugle
- 📧 Request via email: [email protected]
- 🎥 90-minute video at www.themoneymultiplier.com
If you’re interested in exploring high cash value life insurance as a personal banking strategy, we recommend connecting with our trusted team at Money Insights: https://moneyinsightsgroup.com
—
You've found the number one resource for financial education for aviators! Please consider leaving a rating and sharing this podcast with your colleagues in the aviation community, as it can serve as a valuable resource for all those involved in the industry.
Remember to subscribe for more insights at PassiveIncomePilots.com! https://passiveincomepilots.com/
Join our growing community on Facebook: https://www.facebook.com/groups/passivepilots
Check us out on Instagram @PassiveIncomePilots: https://www.instagram.com/passiveincomepilots/
Follow us on X @IncomePilots: https://twitter.com/IncomePilots
Get our updates on LinkedIn: https://www.linkedin.com/company/passive-income-pilots/
Do you have questions or want to discuss this episode? Contact us at [email protected]
See you on the next one!
*Legal Disclaimer*
The content of this podcast is provided solely for educational and informational purposes. The views and opinions expressed are those of the hosts, Tait Duryea and Ryan Gibson, and do not reflect those of any organization they are associated with, including Turbine Capital or Spartan Investment Group. The opinions of our guests are their own and should not be construed as financial advice. This podcast does not offer tax, legal, or investment advice. Listeners are advised to consult with their own legal or financial counsel and to conduct their own due diligence before making any financial decisions.
Previous Episode
#106 – Time Freedom and Cash Strategies with Brian Herriot
Hosts Tait Duryea and Ryan Gibson welcome financial strategist Brian Herriot for a thought-provoking conversation on redefining retirement and wealth. Explore the power of time freedom, why cash might be your most underappreciated asset, and how to build passive income streams that work for pilots and professionals alike. Brian shares practical tactics for holding liquidity, investing for lifestyle flexibility, and balancing entrepreneurship with financial security. Discover a fresh framework for achieving more life long before 65.
Brian Herriot is a financial advisor and founder of Herriot Business Consulting, where he specializes in guiding entrepreneurs and high-income earners through strategies that prioritize flexibility and purpose over traditional retirement timelines. With a rich background in consulting and business, Brian brings a refreshingly holistic approach to financial planning—centered around "time freedom." He helps clients structure their finances to enjoy life sooner, with smart cash management, passive income, and intentional lifestyle design.
Show notes:
(0:00) Intro
(02:38) Meet Brian Herriot and his unique financial philosophy
(07:04) Time freedom vs. traditional retirement
(09:53) How Brian redesigned his life post-2020
(16:49) The 10–30% cash rule explained
(22:09) Ticker symbols for high-yield cash storage
(24:55) Best passive income streams for pilots
(27:49) How to prioritize investments by liquidity
(36:23) Financial planning for pilot-entrepreneur households
(38:50) Outro
Connect with Brian Herriot:
- Website: https://www.herriotconsulting.com
- LinkedIn: https://www.linkedin.com/in/brianherriot
- Time Freedom Calculator: https://timefreedomcalculator.com/
—
You've found the number one resource for financial education for aviators! Please consider leaving a rating and sharing this podcast with your colleagues in the aviation community, as it can serve as a valuable resource for all those involved in the industry.
Remember to subscribe for more insights at PassiveIncomePilots.com! https://passiveincomepilots.com/
Join our growing community on Facebook: https://www.facebook.com/groups/passivepilots
Check us out on Instagram @PassiveIncomePilots: https://www.instagram.com/passiveincomepilots/
Follow us on X @IncomePilots: https://twitter.com/IncomePilots
Get our updates on LinkedIn: https://www.linkedin.com/company/passive-income-pilots/
Do you have questions or want to discuss this episode? Contact us at [email protected]
See you on the next one!
*Legal Disclaimer*
The content of this podcast is provided solely for educational and informational purposes. The views and opinions expressed are those of the hosts, Tait Duryea and Ryan Gibson, and do not reflect those of any organization they are associated with, including Turbine Capital or Spartan Investment Group. The opinions of our guests are their own and should not be construed as financial advice. This podcast does not offer tax, legal, or investment advice. Listeners are advised to consult with their own legal or financial counsel and to conduct their own due diligence before making any financial decisions.
Next Episode
#108 - Case Study: Real Estate Professional Status That Held Up in Court with Brandon Hall
In this episode, Tait Duryea flies solo to spotlight a powerful tax strategy many high-income earners overlook: real estate professional status. Featuring Brandon Hall from Hall CPA, this episode breaks down a real tax court victory by a harbor pilot who leveraged a flexible W-2 job schedule to claim REP status and unlock massive tax savings. Discover the legal requirements, the importance of documentation, and how pilots are uniquely positioned to take advantage of this IRS loophole—a must-listen for anyone serious about turning real estate into real tax strategy.
Brandon Hall is a CPA and the founder of Hall CPA, a firm specializing in real estate tax strategy. Known for his deep understanding of IRS code and investor-focused guidance, Brandon walks through a landmark tax court case that underscores how full-time professionals, including pilots, can successfully claim real estate professional status.
Show notes:
(0:00) Intro
(01:13) History of passive activity rules
(02:49) Short-term rentals vs. REP loophole
(04:33) Why pilots are uniquely eligible
(05:29) REP for married couples explained
(06:49) Brandon Hall sets up the case study
(09:12) Mr. Miller's job and schedule details
(13:18) Proving material participation
(16:31) The grouping election mistake to avoid
(19:24) Outro
Connect with Brandon:
- https://bit.ly/HallCPA - Recommended CPA for real estate-focused tax strategy
—
You've found the number one resource for financial education for aviators! Please consider leaving a rating and sharing this podcast with your colleagues in the aviation community, as it can serve as a valuable resource for all those involved in the industry.
Remember to subscribe for more insights at PassiveIncomePilots.com! https://passiveincomepilots.com/
Join our growing community on Facebook: https://www.facebook.com/groups/passivepilots
Check us out on Instagram @PassiveIncomePilots: https://www.instagram.com/passiveincomepilots/
Follow us on X @IncomePilots: https://twitter.com/IncomePilots
Get our updates on LinkedIn: https://www.linkedin.com/company/passive-income-pilots/
Do you have questions or want to discuss this episode? Contact us at [email protected]
See you on the next one!
*Legal Disclaimer*
The content of this podcast is provided solely for educational and informational purposes. The views and opinions expressed are those of the hosts, Tait Duryea and Ryan Gibson, and do not reflect those of any organization they are associated with, including Turbine Capital or Spartan Investment Group. The opinions of our guests are their own and should not be construed as financial advice. This podcast does not offer tax, legal, or investment advice. Listeners are advised to consult with their own legal or financial counsel and to conduct their own due diligence before making any financial decisions.
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