The Rutherford Method
Discover a system and strategy for buying a home and saving for retirement at the same time.
The Standard Playbook Is Designed to Fail
Most Americans are set up to fail at retirement not because they don't work hard, but because the standard playbook—30-year mortgages plus market-tied, fee-laden retirement accounts—quietly siphons away their wealth.
The Rutherford Method reframes homeownership and retirement as a single, coordinated plan and proposes "AutoBanking": a disciplined system that blends rapid debt payoff (often called velocity banking) with the strategic use of cash value life insurance (under IRS Section 7702) to build, protect, and access wealth more efficiently.
Six Threats to Your Most Comfortable Retirement Possible
Unnecessary Interest
Especially on 30-year mortgages that double or triple what you actually pay for your home.
Retirement Income Taxes
Traditional retirement accounts create a tax liability when you need the money most.
Compounding Fees
Asset management fees that compound against you year after year.
Market Volatility
Exposure to market downturns that can devastate retirement savings at the worst possible time.
Medical Bankruptcy
Healthcare costs that can wipe out a lifetime of savings in months.
Inflation
The silent wealth killer that erodes purchasing power over decades.
The status quo leaves retirees exposed to all six threats. AutoBanking addresses them head-on.
The AutoBanking Solution
AutoBanking addresses each threat head-on: accelerate debt reduction to slash lifetime interest; fund a properly designed whole life or indexed universal life policy; then access that cash value via policy loans to create tax-free retirement income, bypass ongoing asset management fees, and shield principal from market downturns (via guarantees or a 0% floor).
Add "living benefits" riders (for chronic/critical illness or long-term care) to blunt health-cost shocks, and use steady compounding plus strategic leverage to outpace inflation.
The Rutherford Method in Action
Pay off your home in roughly a decade, then redirect the former mortgage payment into your policy for the next twenty years.
In doing so, you use the same dollars that would have gone to lenders and plan administrators to finance your own retirement, secure liquidity, and leave a tax-free legacy—often producing a dramatic lifetime "delta" in outcomes.
An Inversion of Conventional Wisdom
What makes this noteworthy is its inversion of conventional wisdom. Rather than paying more, taking more risk, and hoping the market cooperates, The Rutherford Method offers a way to:
- Pay less in total lifetime costs
- Control more of your financial destiny
- Design a retirement insulated from the most common—and costly—financial hazards
What You'll Learn
Take Control of Your Financial Future
Stop letting lenders and plan administrators profit from your hard work. Learn how to redirect those same dollars to build your own retirement, secure liquidity, and create lasting wealth.
51 pages • 30.8 MB • Instant Digital Download