Click to View Latest IssueClick to View Latest Issue

Joseph Quijano: Become the Banker

By  0 Comments

When Joseph Quijano, CFP®, CDFA® and Owner/Director of Larry Larsen’s Eagle Education, gets up each morning, he has one thing at top of mind: putting more money into his clients’ pockets. Fortunately, what he has to offer in order to accomplish this is a time-tested and proven means by which to take charge of your financial health so that you can watch your fortune grow. The best part about this program is that you can start at any time, no matter what your financial situation. Through this unique program, Joseph can let you in on the secrets of the wealthy so that financial freedom is not just a dream but a reality.

A Certified Financial Planner and a Certified Divorce Financial Analyst, Joseph has spent his entire professional career in the financial arena, and he instantly conveys a sense of a trust upon first meeting him. He has 40 years of experience and has stood behind this successful wealth acquisition program for 17 years. With his clients’ best interests clearly at heart, Joseph is excited about a simple program that was developed decades ago by R. Nelson Nash based on a concept that has been in existence for more than 200 years and that is guaranteed to grow with a four percent gross rate of return, completely tax-free.

The highly acclaimed Become the Banker program has garnered considerable attention as a means by which to acquire financial freedom so that you can attain those important goals in life, such as getting a new car or home, financing a college education or securing your retirement. Why sacrifice your hard-earned dollars to the wildly fluctuating ride of the stock market or settle for low interest rates on savings accounts that often come with high finance charges and increasing tax rates? Wouldn’t you rather earn compound interest than pay it? “This program is guaranteed to grow your money,” noted Joseph. “It has long been a secret of the wealthy and is based on the life insurance concept in that you are participating in a properly designed, dividend-paying whole life insurance policy from a mutual life insurance company.”

Life insurance companies have a proven and unwavering track record of survival for more than three centuries, while the banks and stock markets have often been brought to their knees by the volatile winds of the market. The concept behind Become the Banker is what helped magnates such as Walt Disney, J.C. Penney, Gerald Ford and John McCain achieve incredible financial success.

Joseph is quick to emphasize that individuals who purchase this type of policy do so not for the death benefit, but for the funding it provides, brushing aside the frequently held notion that one is worth more dead than alive. “You can purchase one of these policies for yourself, your spouse, your children and your grandkids,” explained Joseph. “Those individuals become the insured, but you are making the monthly premium payments.” So how, exactly, does this program work?

Traditionally, if you saved $20,000 via a savings account, the interest rate would most likely be less than a gross rate of four percent. Further, you would pay taxes on any earned income through the account. If you took $10,000 of that savings account to purchase a car, you would then have $10,000 less in that account, which translates to half of its original earning capacity. On the other hand, if you had the same $20,000 invested in one of these whole life insurance policies, and you would like to have $10,000 to purchase a car, you would acquire a loan from the life insurance company in the form of a policy loan and the funds would not come directly out of your account. Therefore, you would still have that same $20,000 earning a gross rate of four percent annually. This is what it means to truly have your money work for you. “It is a phenomenal concept,” said Joseph. “It offers peace of mind.”

Such peace of mind is invaluable, especially in terms of divorce settlements or when structuring that retirement nest egg. For women, it is an excellent way to initiate smart thinking when it comes to their money. Life invariably comes with any number of financial hiccups. Isn’t it time to take those money stumbling blocks and turn them over into stepping stones to greater wealth?

“I love to help people, and I get so much satisfaction seeing them get ahead financially,” smiled Joseph. “Everybody wants to control their money, and if this policy is funded properly, you are then worth more alive than dead and the death benefit it does provide is just the icing on the cake.”

To learn more about this exciting program, be sure to register for one of the Become the Banker free seminars held twice each month. Upcoming dates include Tuesday, August 18, in Greenwood Village; Thursday, Aug. 20, in Northglenn; Tuesday, Sept. 15 in Greenwood Village; and Thursday, Sept. 17, in Northglenn.

For more information or to register for one of the upcoming seminars, go to or, or call 303-791-0398.