Richard Engel

I help responsible families and business owners create long-term security, certainty, and control over their hard-earned money. My work is grounded in the sound money principles of the Infinite Banking Concept and is focused on a central problem: most of us have been taught to manage our financial lives in disconnected silos that usually serve financial institutions first, when we should be building an integrated personal economic system that serves us first.

My clients quickly learn that the core of this system is dividend-paying whole life insurance, the foundational defensive asset upon which all other financial planning and protection can be built. When structured properly, it can support liquidity, savings, income interruptions, college expenses, financing, investing, retirement income, and legacy planning, among other things, all in a way that brings coherence, control, and resilience to financial life.

My thinking was shaped by rough experiences. I was nearly wiped out in the dot-com collapse of 2000. My first two policies almost failed because of poor design by my agent at the time. And more than a decade ago, I became permanently uninsurable for reasons outside my control. I do this work with a very clear understanding of how fragile most financial plans really are. 

I earned business degrees from Georgetown and Columbia, and my career has included Fixed-Income and Equity Operations at Goldman Sachs, strategic planning at a dot-com startup, and executive leadership for a domestic luxury goods manufacturer.  These workplaces gave me real-world respect for the importance of risk reduction, systems thinking, and long-term planning in both business and family life.

I became an authorized IBC practitioner because I believe families deserve a stronger financial foundation than conventional planning typically provides, and I enjoy sharing what has brought my own family greater peace of mind, financial control, and certainty across generations.