By 1322 Legacy Strategies
Why This Matters
Wall Street flashes green and red numbers like stained-glass reflections, and we’re told those colors reveal the health of the entire economy. Yet families who see themselves as stewards—not speculators—need a clearer lens: Does a rising market truly equal lasting wealth?
The Austrian economists remind us that many bull runs are inflated by easy credit, not by deeper productivity. Biblical farmers would call that “building bigger barns on sand.” When the flood comes, the foundation gives way.
Two Very Different Growth Engines
The Productivity Test
Wall Street “Growth”: Often a paper gain driven by speculation or Federal Reserve policy.
IBC Growth: Guaranteed contractual increase in cash value plus dividends from a mutual life insurer—rooted in real, measurable surplus generated by the insurer’s book of business.
Stock appreciation may outpace a whole-life policy in a bull market, but the policy’s growth never steps backward in a crash. That stability is what Tom Hegna calls the difference between hope-so money and know-so money.
How Stewards Put IBC to Work
- Capitalization Phase
- Deployment Phase
- Harvest Phase
Why Proverbs 13:22 Points Here
“A good man leaves an inheritance to his children’s children.” That’s more than hoping index funds are up the day you pass. It’s about structuring capital so it blesses two generations—predictably.
- Stocks leave heirs exposed to market cycles.
- IBC leaves heirs equipped with immediate, tax-free liquidity and a ready-made family bank they can continue.
The Take-Home for Faithful Stewards
- Control beats speculation. Own the banking function; don’t rent your future from Wall Street emotions.
- Guaranteed growth is the floor. You can still invest after you’ve built the floor—but the floor must come first.
- Legacy is a design choice, not a market outcome. Plan it; don’t pray the Nasdaq cooperates.
Ready to see how IBC fits alongside—or even replaces—your current market exposure? Let’s map the numbers:
Control Your Capital. Build Your Legacy.
Schedule a 30-minute call with 1322 Legacy Strategies and rediscover growth that survives storms.
