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Intentional Capital Structuring for Long-Term Stewardship

Harborstone Capital Group helps families, investors, and business owners evaluate and structure capital strategies focused on liquidity, efficiency, and long-term stewardship.

Who We Help

Harborstone works with families, business owners, and investors seeking greater control, efficiency, and long-term stewardship of capital.

Policy Optimization

For clients seeking evaluation and restructuring of aging, inefficient, or underperforming cash-value policies.

Business Owners

Strategies designed to improve liquidity, flexibility, and long-term access to capital.

Real Estate Investors

Capital positioning strategies aligned with acquisitions, reserves, and long-term planning.

Legacy Planning

Structures designed for protection, access, and multigenerational continuity.

Who We Typically Work With

Harborstone works with individuals and families seeking greater intentionality around liquidity, long-term capital efficiency, and multigenerational stewardship.

Typical Clients

✓ Business owners seeking greater capital efficiency

✓ Real estate investors managing long-term liquidity

✓ Families focused on multigenerational planning

✓ Professionals evaluating existing cash-value structures

✓ Individuals seeking strategic access to capital

How We Evaluate Existing Policies

Many cash-value life insurance policies were designed using assumptions that may no longer align with current funding levels, market conditions, or long-term objectives.

Evaluate

✓ Current Statements

✓ In-force Illustrations

✓ Funding Structure

✓ Policy Sustainability

✓ Long-Term Performance Expectations

Stress Test

✓ Funding Adequacy

✓ Lapse Risk

✓ Loan Exposure

✓ Distribution Sustainability

✓ Alternative Structuring Scenarios

Identify Opportunities

✓ Efficiency

✓ Flexibility

✓ Liquidity

✓ Long-Term Policy Performance

✓ Capital Access

Process

Strategic Review Process

Harborstone follows a structured review process designed to evaluate long-term alignment, capital efficiency, and sustainability considerations.

Discovery

Review current objectives, funding structure, policy usage, and existing design assumptions.

Analysis

Evaluate liquidity access, long-term sustainability, internal cost structure, and strategic efficiency.

Recommendations

Present strategic options designed to improve flexibility, alignment, and long-term capital stewardship.

Infinite Banking

Harborstone Capital Group, LLC

Planning for a secure financial future doesn’t have to be complex. Infinite Banking empowers you to take control of your finances by allowing you to borrow against the cash value of a life insurance policy, creating a personal bank. Use these funds for major expenses, investments, or emergencies, without relying on traditional banks.

Why Existing Policies Often Underperform

Many cash-value life insurance strategies were designed using assumptions that may no longer reflect current funding patterns, policy usage, or long-term objectives.

Insufficient Funding

Policies funded below optimal levels may struggle to maintain long-term efficiency, liquidity growth, and sustainability.

Excess Insurance Cost

Higher-than-necessary death benefit structures can increase internal costs and reduce long-term capital efficiency.

Loan Management Risk

Policy loans taken without ongoing monitoring may create increasing pressure on long-term performance.

Outdated Assumptions

Older illustrations often relied on assumptions that may not align with today’s interest rate and crediting environment.

About Harborstone

A More Intentional Approach to Capital

Jerry Simmons brings decades of experience in real estate investing, capital structuring, and long-term asset stewardship. Harborstone was built to help families, investors, and business owners evaluate capital decisions through a long-term strategic lens focused on liquidity, efficiency, and multigenerational continuity.

Jerry Simmons

Managing Director
NPN: 188I4

About Us

Helping You To

Manage Your Infinite Banking Needs!

Jerry Simmons brings decades of experience in real estate investing, capital structuring, and long-term asset stewardship. Harborstone was built to help families, investors, and business owners evaluate capital decisions through a long-term strategic lens focused on liquidity, efficiency, and multigenerational continuity.

Jerry Simmons

Managing Director
188I4

Everything You Need To Know

About Infinite Banking At A Glance

What is Infinite Banking?

Infinite Banking is a strategy that uses a whole life insurance policy as a personal bank. By building cash reserves within the policy, you can borrow against it, repay with interest, and grow your savings independently—reducing reliance on traditional banks.

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Important Details

Infinite Banking builds a self-sustaining financial system, offering lifelong protection and tax-advantaged cash growth. Access funds as needed for investing, education, or retirement. Start your journey to financial independence today.

Reviews

Real-Life Testimonials

From Satisfied Clients

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Common Planning Considerations

When Should an Existing Policy Be Reevaluated?

Policies should typically be reevaluated when funding patterns, loan activity, retirement objectives, or market conditions have changed materially from the original assumptions used in the design.

How Is Policy Sustainability Evaluated?

Sustainability analysis typically includes funding adequacy, internal insurance cost structure, loan exposure, crediting assumptions, and long-term distribution stress testing.

What Causes Many Policies to Underperform?

Common causes include insufficient funding, excessive insurance costs, unmanaged policy loans, and reliance on outdated assumptions that no longer align with current conditions.

When Does Restructuring Make Sense?

Restructuring may be appropriate when an existing policy no longer aligns with liquidity objectives, long-term efficiency goals, or projected sustainability expectations.

What Is Included in a Policy Review?

Reviews generally include analysis of current statements, in-force illustrations, funding structure, loan activity, policy efficiency, and long-term performance projections.

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Important Questions

Is Infinite Banking Right for Me?

Infinite Banking works best for individuals seeking financial independence and control over their funds. It’s ideal for those interested in building a flexible, long-term financial system. This approach can be customized to suit various income levels and financial goals.

How Much Should I Contribute to Start?

The amount to start depends on your financial goals and budget. Consult with an expert to determine an optimal contribution amount to meet your needs. Starting with the right amount can set you up for sustainable, long-term growth.

Is a Medical Exam Required?

A medical exam may be required to establish a whole life insurance policy, but this varies by provider and policy terms. Some providers may offer policies without exams, depending on coverage needs.

Can I Access My Funds Anytime?

Yes, you can borrow against your policy’s cash value anytime, with flexible repayment terms tailored to your needs. This flexibility is one of the key benefits of the Infinite Banking strategy.

How do I Sign Up?

Schedule a consultation to explore how Infinite Banking can be tailored to your financial goals and learn the steps to set up your policy.

Evaluate Whether Your Current Structure Is Aligned With Your Long-Term Objectives

Looking for a First-Class Infinite Banking Consultant?

Harborstone Capital Group, LLC helps families, investors, and business owners evaluate and structure long-term capital strategies focused on liquidity, efficiency, and multigenerational stewardship.

National Producer Number: 188I4

Harborstone Capital Group, LLC

3220 Curving Oaks Way
Orlando, FL 32820

+1 321-346-1313