IBC Authorized Practitioner
David Saucer
RICP | Wealth Strategist | Author | Infinite Banking Concept Authorized Practitioner- Nelson Nash Institute
Trained and authorized in Nelson Nash's Infinite Banking Concept, David helps business owners and high-income professionals reclaim the banking function—transforming how they hold, grow, and deploy capital.
IBC Authorized Practitioner
Formally trained and authorized in R. Nelson Nash's Infinite Banking Concept—ensuring the strategy is implemented with fidelity to Nash's original principles.
20+ Years in Financial Services
Over two decades of experience in the financial services industry, guiding clients through principle-based strategies that prioritize structure over speculation.
RICP Designation
Retirement Income Certified Professional—combining IBC mastery with deep expertise in retirement income planning for comprehensive financial architecture.
"I didn't set out to challenge the financial industry. I set out
to understand why the system seemed structurally designed
to move capital away from the people who earned it—and then
I discovered Nelson Nash's work."
David Saucer spent years working within the financial system before recognizing a fundamental pattern: the individuals who build wealth rarely control how it flows. When he discovered R. Nelson Nash's Becoming Your Own Banker, everything changed.
Nash's Infinite Banking Concept revealed the structural mechanics of how money is held, accessed, deployed, and transferred—not market theory, not product comparison, but the actual banking function that institutions use to build generational wealth.
As an IBC Authorized Practitioner, David doesn't sell insurance. He teaches a banking mechanism—faithful to Nash's original principles—that allows individuals to reclaim the function banks perform: holding capital, lending it, and capturing the return. Every dollar moves through your system, not away from it.
PHILOSOPHY
What We Believe
Structure Over Performance
The difference between a 5% guaranteed return with liquidity and a 7% market return with no access is a structural advantage, not a performance gap. Nash taught this distinction.
Principles Over Products
We teach Nash's banking mechanics. The policy is a tool that serves the principle—not the other way around. If it doesn't fit your situation, we'll tell you.
Uninterrupted Compounding
The 'secret sauce' of IBC: your cash value continues to earn dividends even while you have an outstanding loan against it. You capture both the growth and the liquidity.
Fit Assessment
Who This Practice Serves
We're selective about who we work with—because the IBC approach requires a specific mindset.
Ideal Clients
Business owners and entrepreneurs earning $100K+
High-income professionals who think strategically about capital
Those frustrated with fragmented advice and hidden fees
Individuals building generational wealth—not chasing quarterly returns
People who want to understand the mechanics, not just follow advice
Not the Right Fit
Those seeking 'set it and forget it' without engagement
Individuals who want to delegate all financial thinking
Analysis paralysis—needing certainty before action
Those without sufficient income to fund a policy structure
Anyone looking for a get-rich-quick solution
The Farmer & The IRS
Imagine this:
An IRS tax collector visits a farmer right before planting season. The agent makes an unusual offer:
"You have a choice. You can either pay taxes today on the small handful of seeds you are about to plant, OR you can wait and pay taxes on your entire massive harvest after it is fully grown."
Which would you choose?
Taxing the Seed
Post-Tax (Roth / Cash Value Life)- Pay Now: You pay income tax on the small "seed" (your initial principal contribution) before planting.
- Keep the Harvest: The entire "harvest"—your principal plus decades of accumulated growth—is yours to withdraw tax-free in retirement.
- Eliminate Tax Risk: If future tax rates rise to cover national debt, your wealth is legally protected from those hikes.
Taxing the Harvest
Pre-Tax (401k / Traditional IRA)- Delay Now: You get an immediate tax deduction today, avoiding taxes on the "seed."
- Partner with the IRS: While it grows tax-deferred, you are essentially partnering with Uncle Sam on every dollar of growth.
- The Growth Penalty: When you retire, the IRS taxes the entire harvest. If your $100k grows to $1M, you now pay taxes on a million dollars.
Want to Stop Partnering with the IRS?
This exact strategy is a core chapter in David Saucer’s groundbreaking book, The Cash Residence. Dive deeper into tax efficiency and learn how to mathematically protect your wealth from the future compounding effect of taxation.
Grab your FREE copy below!
IF EVERYTHING YOU THOUGHT ABOUT MONEY WAS NOT TRUE, WHEN WOULD YOU WANT TO KNOW?
Trusted by Professionals
In my opinion, the book you currently hold in your hand is one of the most concise and relevant in the market today. David Saucer has over two decades of experience in the financial services industry.
David has taken the complex and made it accessible! This book is carefully crafted and filled with meaningful examples. A user-friendly read.
The Cash Residence is a fast-download of reality for anyone seriously interested in an easy to follow lifetime plan for financial peace and independence.
AUTHORITY STATEMENT
As an IBC Authorized Practitioner, David Saucer teaches financially sophisticated individuals how to implement Nelson Nash's Infinite Banking Concept—transforming how they hold, grow, and deploy capital by controlling the banking function in their own lives.
GET STARTED
Ready to Reclaim Control?
Start with the Leak Detector quiz to identify structural inefficiencies, or explore the Infinite Banking education to understand the mechanics.
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