What we do

Downstream Wealth specializes in private capital strategies, primarily the Infinite Banking Concept, which empowers small businesses to control how their money is used and grown. Instead of relying on banks or external lenders for capital, your business funnels cash into a specially structured whole life insurance policy that builds tax-advantaged cash value. You can then borrow against that value for business operations, expansion, or emergencies, while your policy continues to grow. This eliminates the need for loan approvals, credit checks, or interest payments to banks. Everything is supported by a strategy customized to your company’s cash flow and long-term financial goals.

Financial Coaching at Downstream Wealth is a continuous relationship, not a one-time consultation. You receive personalized, one-on-one coaching where you learn how to interpret financial data, assess your business’s performance, and make strategic decisions. The coaching also teaches you how to integrate Infinite Banking into your operations, manage your policy loans wisely, and align your financial habits with your long-term vision. Regular touchpoints and progress reviews ensure that your financial strategy remains responsive to market changes, business growth, and personal milestones. It is a results-driven, educational approach that builds financial independence over time.

Downstream Wealth helps businesses transform stagnant capital into productive financial assets. Whether your business is in the startup phase or already established, you may have capital that is sitting idle or tied up inefficiently. Downstream’s approach redirects that money into an Infinite Banking structure, turning it into a private, compounding capital system. This system can then be used to finance inventory, operations, or expansion, while still earning uninterrupted growth inside the policy. This strategy gives business owners the ability to self-finance growth, reduce interest payments to outside lenders, and maintain control of their working capital.

The process begins with a Discovery Call where your financial objectives, business structure, and lifestyle goals are discussed in detail. After the call, you’ll submit your financial data securely using Proton Drive. The Downstream team will then analyze your cash flow, assets, liabilities, and goals. Based on this analysis, they create three custom financial strategy scenarios: Conservative, Moderate, and Aggressive. Each model outlines how an Infinite Banking system could perform under different funding levels. After reviewing the options, you’ll choose a strategy and receive a tailored quote. Implementation begins once you’re fully comfortable and confident.

With Infinite Banking, your policy’s cash value grows at a guaranteed rate and may receive dividends, creating a predictable and tax-advantaged capital base. At the same time, you can borrow from that cash value whenever needed. Even while funds are borrowed, the remaining cash value continues to grow as if untouched. This makes Infinite Banking unique among wealth strategies. You can use your money for real-world needs such as investments, payroll, or debt payoff, without sacrificing the compounding growth of your capital. This balance between growth and liquidity makes Infinite Banking ideal for entrepreneurs and business owners.

Yes, Infinite Banking is flexible enough to serve both personal and business needs at the same time. Your policy’s cash value can be accessed for business expansion or unexpected expenses, while still serving as a personal financial safety net. Many business owners use Infinite Banking to fund operations or capitalize on opportunities and later use the same system for retirement income or family legacy planning. This dual-purpose design helps ensure that your financial strategy is working for every part of your life, without needing to separate personal and business capital into isolated systems.

Every client has a unique comfort level when it comes to risk and investment pace. Downstream Wealth addresses this by presenting three strategy scenarios based on your financial data: Conservative, Moderate, and Aggressive. Each one outlines different premium structures, growth projections, access to capital, and long-term benefits. You are never locked into a one-size-fits-all plan. Instead, you are guided through the pros and cons of each option so you can select a strategy that fits your goals, whether you prioritize safety, steady growth, or faster access to capital.

Infinite Banking supports values like financial sovereignty, free enterprise, and capital stewardship by allowing individuals and businesses to control their own financial destiny. Rather than depending on banks, credit institutions, or government-driven systems, you create a self-funded capital structure that reflects personal responsibility and long-term thinking. This aligns closely with Austrian economics, which emphasizes sound money, personal ownership, and sustainable growth. Infinite Banking gives you the power to make financial decisions based on logic and long-term value rather than reactive behavior or dependency on external institutions.

Downstream Wealth offers continuous support long after your policy is active. You receive regular reviews of your policy’s performance, coaching on policy loan strategies, and guidance on how to integrate Infinite Banking into your evolving financial picture. Whether you’re scaling your business, planning an exit, or entering retirement, the strategy adjusts with you. You will also receive updates and refinements based on changing tax laws, economic shifts, or business milestones. This ongoing relationship ensures your financial system is always aligned with your goals and that you continue to use it with confidence and clarity.

Starting with Downstream Wealth is straightforward. You begin by scheduling a free Discovery Call, during which you’ll share your goals, challenges, and business situation. After the call, you submit your financial data securely, which the team uses to create three personalized strategy options. You’ll review and discuss each scenario, then select the one that best fits your financial vision. From there, Downstream helps you implement the strategy step by step, providing ongoing support and education. To take the first step, visit the Contact Page and schedule your consultation.