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154 Enterprise Way Pittston, PA 18640www.tier1capital.com5 CRITICAL QUESTIONS TO ASK WHEN LOOKING FOR AN INFINITE BANKING CONCEPT ADVISORS c h e d u l e a F r e e C o n su l t at i o ninfo@tier1capital.com570-550-9002

Households across America are experiencing Financial Stress.info@tier1capital.com www.tier1capital.comAccording to a survey by CNBC:77% of Americans feel anxious about their financial situation. 58% feel that their finances control their lives.570-550-9002Your family’s happiness and well-being shouldn’t be lessened due to financial worries.

Maintaining your finances is stressful.info@tier1capital.com www.tier1capital.comAccording to Nelson Nash, author of Becoming Your Own Banker, this stress is self-inflicted because we have abdicated our responsibility and given financial institutions control of the financing function (how we pay for things). 570-550-9002The solution is simple: Take back the financing function in your life… because whoever controls our cash flow controls our lives.

Here are the 5 critical questions to ask before working with an Infinite Banking advisor.info@tier1capital.com www.tier1capital.com570-550-9002

01Does your advisor specialize in the Infinite Banking Concept, or do they primarily sell insurance and manage assets? info@tier1capital.com www.tier1capital.com570-550-9002Most financial planners manage assets like 401ks, retirement accounts, and other investments. However, most people are unknowingly giving away their money through these financial strategies. This makes sense because we have been trained by financial institutions to unknowingly give away control of “our money” because it’s in “their best interest.”

02Can your advisor find ways to improve your cash flow withoutreducingyour lifestyle?info@tier1capital.com www.tier1capital.com570-550-9002It’s common for people to assume debt, work hard to increase cash flow to pay off some of that debt, and find themselves once again cash-poor. This limits your options when you have an emergency and ultimately delays your ability to save. Not to mention, this wastes our most precious asset, “time.” 60% of adults live paycheck to paycheck, according to the Lending Club.

The Average American Household owes more than $165,000 in debt.info@tier1capital.com www.tier1capital.com570-550-9002Now, more than ever, it is important to set aside funds for emergenies.Source: NerdWallet StudyIn 2020, the Federal Reserve reported that only 64% of Americans had enough money to cover a $400 emergency.

03Is your advisorlocked intofinancial optionsfrom a singleprovider? info@tier1capital.com www.tier1capital.com570-550-9002Most financial service providers are what is called “captive,” meaning they are only allowed to offer you products from the company they represent. This means that even if there are better products out there, these providers can’t recommend them. Many people are unaware that they are accepting unnecessary risks through these providers. This unknown risk can leave you exposed to hardship during economicdownturns.

04Is the product they’re recommending mitigating or increasing your risk?info@tier1capital.com www.tier1capital.com570-550-9002An advisor should never expose you to unnecessary risk. Many organizations will silently put the risk back on you, the client, through clever marketing strategies because it’s what’s in their best interest. Your advisor must look out for your best interests and be able to shield you from unforeseen risks.

05What is theirattitude toward debt?info@tier1capital.com www.tier1capital.comAccording to a small business credit survey by the Federal Reserve Banks, 70%of people carry debt.According to the NY Federal Reserve, during the last 3 months of 2022, America’s credit card balances increased by $61 billion. This is the highest quarterly growth ever reported! Yet, most “comprehensive” financial planners don’t talk about debt at all.570-550-9002

A future-focused advisor knows how to leverage good debt to your advantage over the short and long term.info@tier1capital.com www.tier1capital.com570-550-9002So, you can convert your liabilities (debt payments) into assets. Not all debt is bad.

75% (that’s 3 out of 4) employees say market volatility impacted their retirement account balances.info@tier1capital.com www.tier1capital.com570-550-9002According to a survey from Betterment at Work, a New York City-based financial firm, 28% of people dipped into their retirement savings to pay for short-term expenses.

According to a study by Northwestern Mutual, among U.S. adults over the age of 18 who carry debt, about 30% of their monthly income goes toward paying off debts excluding mortgages.With the right advisor on your team, it’s possible to take back the financing function and be financially free. info@tier1capital.com www.tier1capital.com570-550-9002

So Where Can You Find the Right Infinite Banking Concept Advisor?info@tier1capital.com www.tier1capital.com570-550-9002

Tier 1 Capital specializes inInfinite Banking.It’s your job to generate income. It’s ours to make sure you control as much as you can, whenever you can, for as long as you can. Unlike “asset managers,” we teach our clients how to be in control of their “own” money. So that they can be in control of their “own” lives. info@tier1capital.com www.tier1capital.com570-550-9002

Your family is safe withTier 1 Capital.info@tier1capital.com www.tier1capital.com570-550-9002Your family will face many challenges. While we can’t solve them all, we can promise to ensure that they will never be blindsided by unforeseen taxes, debt payments, ill-timed market losses, and any other planning inefficiencies. Together, we will prepare your family to successfully transition your wealth for generations to come. There is a common saying that goes, “Shirtsleeves to shirtsleeves in three generations.” This means that it can be difficult for younger generations to manage the wealth you leave them.

Tier 1 Capitalunderstands that cash flow is thelifeblood of your family or business.Many clients come to us knowing they need our help, but are concerned about the cost.info@tier1capital.com www.tier1capital.com570-550-9002What sets us apart is our unique ability to help families and businesses find moneywithin their current cash flow to fund thesolutions with minimal impact on theircurrent cash flow or current lifestyle.This will allow them to achieve their financial goals and help them sleep better at night knowing they are in control of their money and their lives.

Tier 1 Capital never puts unnecessary risk onto the client.info@tier1capital.com www.tier1capital.com570-550-9002Many “captive” solutions put financialrisk back onto the client because it’s lessrisky for the institution or more profitable for the advisor. We don’t have that problem. Instead, weare free to advise you in whateverdirection is best for you. We provide products and solutions that have been around for over 200 years.

We are experts at leveraging debt in your favor.Whether you are providing for your family or growing your business, you need access to money. info@tier1capital.com www.tier1capital.com570-550-900270% of families carry debt. And yet, most advisors that call themselves “comprehensive” don’t address it. But debt isn’t necessarily a bad thing. We help people take control of their debt totheir advantage over both the short andlong term.Let us help you take control of your debtbecause whoever controls your debt controls your money. And whoever controls your money controls your life.

We give our clients the same financial advice we give our own families,because we have been using Infinite Banking since 1997!info@tier1capital.com www.tier1capital.com570-550-9002

Finding That Trusted Resource is SimpleGive Tier 1 Capital a call at 570-550-9002 orSend us an email at: info@tier1capital.cominfo@tier1capital.com www.tier1capital.comThen we’ll design a custom strategy to put you in control of your money, so you have a stable and secure future. 123570-550-9002We’ll meet with you and uncover your goals an d your unique financial needs.We’ll also find out if you're losing controlof your cash without even realizing it.

info@tier1capital.com570-550-9002154 Enterprise WayPittston, PA 18640www.tier1capital.comS c h e d u l e a F r e e C o n s u l t a t i o n