Become the Banker: Financial Clarity for Life

By Joseph J.A. Quijano CFP®, CDFA®

An uncomplicated financial book, Become the Banker is for anyone who wants to achieve financial freedom and security. Whether you are just starting your working years or are nearing retirementor would like to help your children and grandchildren learn a powerful strategy to help them avoid the financial mistakes that most people makethis book is for you.

Joseph was born in Mexico City into financially disadvantaged circumstances. Eventually he moved to the United States for a higher education and soon realized the secret of getting ahead financially is not determined by what you make but by what you keep.

When his financial methods helped him achieve financial success, he was determined to share them with others. Over the last forty years, he has helped thousands of people attain financial security. What are the methods that helped him achieve financial success?

The answer is inside Become the Banker. Quijano reveals powerful strategies that will help you get ahead financially when you apply the following:
Creating your own personal banking system
The power of self-financing your purchases
Turning debts into assets
Designing a tax-free retirement
Gaining a guaranteed rate of return
Lowering taxation

• Language: English
• Publisher: Xlibris US
• Release date: Apr 7, 2015
• ISBN: 9781503554368

Joseph J.A. Quijano CFP®, CDFA®

Joseph Quijano, CDFA®, CFP®, has over forty years of experience in the financial services industry. He graduated from the College for Financial Planning in Denver, Colorado, in 1990. When his financial methods helped him achieve financial success, he was determined to share them with others. Over the last forty years, he has helped thousands of people attain financial security. He is also a nationally certified continuing education instructor and owns a school for CPAs, insurance agents, and financial planners. Joseph was born in Mexico City into financially disadvantaged circumstances. Eventually he moved to the United States for a higher education and soon realized the secret of getting ahead financially is not determined by what you make but by what you keep. Joe’s love for this country was proven when he became a citizen and defended America during the Vietnam War in the US Air Force. Joe will teach you that in building wealth, one needs to be dedicated . . . not complicated. You can e-mail Joseph Quijano at [e-mail].

Book preview

Become the Banker®

Financial Clarity for Life

Joseph J.A. Quijano, CFP®, CDFA®

Copyright © 2015 by J.A. Quijano, CFP®, CDFA®.

Library of Congress Control Number:   2015904393

ISBN:      Hardcover      978-1-5035-5434-4

                Softcover        978-1-5035-5435-1

                eBook             978-1-5035-5436-8

All rights reserved. No part of this book may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information storage and retrieval system, without permission in writing from the copyright owner.

Cover Design by Sarah Murr Graphic Design, LLC

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Rev. date: 03/27/2015

Xlibris

1-888-795-4274

www.Xlibris.com

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Table of Contents

Introduction

Chapter One – A Life and Times… Well Lived

Chapter Two – Be the Bank… Get in the Game with Billionaires

Chapter Three – Living… Or Losing… the American Dream

Chapter Four – How YOU Can ‘Bank’ on Your Future

Chapter Five – Four Essentials for Your Financial Freedom

Chapter Six – The Critical Value of Time

Afterword – By Paula Haddock

The Last Word… for Now – . . . From Joe Quijano

I dedicate this book to all my family who have been there for me along the way. Also to the financial services industry that has been so kind and generous to me in my career. Last but not least, to my clients whom I will treasure for the rest of my life.

Introduction

I’d like to congratulate you for your decision to read this book. It shows that you want to learn new financial strategies to secure your financial future.

As I began to write this book many consumers and clients wanted to know whether or not there could be a financial miracle in store for them. According to the dictionary a miracle is: any amazing or wonderful occurrence. Today, families are fed-up with the economy and are searching for a financial ‘miracle’ to create and preserve wealth. You will find just such a miracle throughout the pages of this book.

In the aftermath of one of the worst financial debacles this country has ever known – the market crash and Great Recession of 2008-2009 - millions of Americans still struggle with a host of financial hurdles. Yet, as you will see in the coming chapters of this book, most of those struggles are interconnected. Take a closer look and you will discover that most of our financial struggles share a few, core issues - issues that continue to plague average savers, consumers, investors and their families, even as the stock market continues to surge ahead.

In this invaluable book of financial clarity you will come away with a new and empowering way of approaching the ultimate goal of so many Americans – a safe and dependable road to debt-free financial freedom and, ultimately, a long and satisfying life in retirement. But first, too many Americans are saddled with a near-overwhelming sense of hopelessness as they grapple with debt and continuing uncertainty. We will take a closer look at that uncertainty and the immense debt load Americans have carried in recent years. Yet, at the same time, we will show you how to eliminate and forever avoid that debt-ridden environment while building wealth for yourself and for your family.

What’s the real super-structure behind Become the Banker®? First, it has nothing to do with the stock market, nothing to do with mutual funds, bonds, gold or silver. It isn’t based on owning real estate, or CDs, or even having a traditional savings account. It IS a financial strategy based on U.S. tax law and contractual guarantees offered by certain insurance companies, guarantees with real power. That’s at the heart of this financial strategy, not some pie-in-the-sky promise. Nor do you have to be rich or poor to take full advantage of its financial power, you just need to be smart, which primarily means that you must be willing to pay yourself first.

When people come to our seminars and see how Become the Banker® can become their very own reality, lives change. People suddenly grasp the few, simple changes necessary to alter the way we look at – and deal with – money and debt. I love to watch the aha moment as people take on expressions of amazement. Why? . . . Because they realize in one defining moment that our simple, life-changing solutions have been right there all along!

Now brought together in a book that can be easily understood by people of all ages, our Become the Banker® strategy is, in my opinion, THE solution and powerful wealth-building principle that could improve the financial outlook for Americans nationwide. I know these principles can begin to change your financial life the instant you put them to work. The important concepts in this book have, in fact, already made a tremendous difference in the financial lives of people everywhere. Now it’s your turn.

I’m talking about real immediate changes that will affect not only your long-term retirement plans, but changes that will free you from the shackles of debt created by bank financing impacting virtually everything you may own. We find ourselves mired deeply in debt for everything from education to the automobiles we drive, from our homes to a refrigerator in the kitchen. Everything - even groceries for many people - are purchased through debt-enslaving instruments: credit cards, consumer loans, lines of credit, home mortgages, you name it. Because of it – meaning runaway debt – we spend much of our working years merely repaying debt. Almost nothing is left over for retirement planning at a time when traditional company pensions have nearly disappeared. Even our Social Security system is at risk because the financial foundation of the United States of America is at risk, due to its own monstrous, mountain of debt.

Should YOU be enslaved along with the rest of our debt-manacled society? Must you continue to follow a debt-serving system many call the way of doing business in America today? The answer is simple, No. Of course not! But first you must UN-learn almost everything you think you know about managing money. Next, you must understand the relatively simple rules of financial independence, rules well-known to the richest people in the world and their estate managers. They know the primary rules of financial freedom. You can, too.

Guess what? The rules of financial freedom are right there for the taking! All you need to do is reach out and take hold of the methods and strategies used by wealthy people world-wide. By the time you read through the final pages of this book, you will know exactly what to do. More than that, you will understand just how easily these financial miracles can be achieved.

I am truly excited about sharing the Become the