Own your home.
Not your bank.
Tired of living paycheck to paycheck? Stressed about retirement? Your mortgage could cost you nearly as much in interest as the house itself. We show homeowners how to pay off the mortgage years sooner, eliminate other debt, and retire tax-free, using the income you already have.
- 100% free analysis
- No refinancing
- Keep your current rate
- Easy scheduling by text
▶ Watch: Where your financial future comes to life
You did everything "right." So why does it still feel so hard?
There's a better way, and most people have never been shown it. Let us show you →
What is your mortgage really costing you?
Your Total Interest Percentage (TIP) is the interest you'll pay over the life of your loan, as a percent of what you borrowed. It's on your Closing Disclosure, and most homeowners never notice it.
Tip: your balance and rate are on your latest mortgage statement.
For every $1 you borrowed, you'll pay back $0 in interest alone.
What if you could pay it off in a fraction of the time, and keep that interest for your retirement?
Show Me My Faster PayoffTIP = total interest over your remaining payments ÷ mortgage balance, assuming every scheduled payment is made. Principal and interest only; taxes, insurance and PMI not included. For illustration; your free analysis uses your actual loan.
Most of our clients pay off all their debt in 10 years or less.
Here's what paying off your mortgage in 10 years could mean for you, based on the numbers you entered above.
That's money that stays with your family instead of going to the lender.
Your payment, every month, from your payoff date until your original loan would have ended.
The real question is what you do with that money once the bank is out of the picture.
What if every dollar you earn could work for you twice?
This isn't just about how fast you get out of debt. It's about what happens once you're debt-free, and how your money can be building wealth for your family while it's paying off what you owe. Same dollar. Two jobs.
Most families have never been shown how. Banks have been doing it for over a century. In your free analysis, we'll show you exactly how it works with your own numbers.
Free · No obligation · Your real numbers
Hypothetical illustration. The R&C plan column assumes the same balance and rate paid off in 10 years; actual results depend on your income, debts, strategy and product performance and are not guaranteed. Freed-up payments show the monthly principal & interest payment from the payoff date to the end of the original term, before any growth.
We see beyond the accounts to what really matters.
Protecting your family, opening doors for your children, and giving you genuine peace of mind. We use strategies most people have never heard of to help you keep more of what you earn and build lasting wealth.
Mortgage & Debt Payoff
Pay off your mortgage, and every other debt, in a fraction of the time. No refinancing, no new loans.
Learn more →Life Insurance & Protection
Income protection for your family, education funding safeguards, and living benefits if you face a critical illness.
Learn more →Tax-Free Retirement Planning
A retirement where the dollars you've saved are truly yours, with no surprise tax bills and protection from market downturns.
Learn more →Next-level financial solutions for modern life.
In-depth financial analysis paired with modern technology, turned into a personalized plan that's yours alone.
Free analysis
We look at your mortgage, other debts, income, protection and retirement goals.
Your roadmap
You get a personalized strategy showing your new mortgage-free date and debt-free date.
Put it in motion
We set up the tools (IUL, Infinite Banking, annuities) that fit your plan and your budget.
Every step together
We track progress with you until your final debt is gone and you retire on your terms.
Will your retirement really be yours, or the IRS's?
Every dollar in a traditional 401(k) or IRA is taxed when you take it out, at whatever rates exist then. We help you build a bucket that's designed to stay tax-free.
Traditional retirement accounts
- Withdrawals taxed as ordinary income
- 10% penalty for most withdrawals before 59½
- Required minimum distributions, like it or not
- Balances can drop with the market right before you retire
Tax-free retirement strategy
- Tax-free access to your money*
- No early withdrawal penalties
- No required minimum distributions
- A 0% floor protects gains from market downturns
- Protection for your family built in
*Through properly structured policy loans and withdrawals, subject to policy terms. See disclosures below.
Not a single transaction. Your entire journey.
The R and C Agency was born from frustration and purpose. After years in the insurance industry, we watched friends and clients struggle under the weight of student loans, mortgages and endless debt payments, despite doing everything "right."
So we built something different. From your first consultation to the day you eliminate your final debt or retire on your own terms, we're with you every step of the way.
- No refinancing or consolidation loans
- Uses the income you already have
- A plan built around your family's goals
Strategies most people have never heard of
Beyond
Debt
Wealth Beyond Debt
Learn how interest quietly drains your income, and how families are taking that money back. Read it free before your consultation.
Good questions to ask
Do I have to refinance my mortgage?
No. You keep your current mortgage and rate. We don't move your debt around or take out new loans. We build a strategy that redirects the money you already spend so more of it goes to principal and less to interest.
What is a mortgage TIP?
Your Total Interest Percentage is the total interest you'll pay over the life of your loan as a percent of the amount you borrowed. It's listed on page 5 of your Closing Disclosure. Try our TIP calculator to see yours.
What happens after I send my information?
Our trusted partners at The Interest Flip handle scheduling for us. You'll get a text from The Interest Flip to pick a time for your free analysis, and your confirmation and reminders will come from them too. No pressure and no obligation.
Who is The Interest Flip?
The Interest Flip is our trusted scheduling partner. They book and confirm appointments for The R and C Agency, so any texts about your appointment will come from The Interest Flip.
What does the free analysis cost?
Nothing. The analysis is complimentary and there is no obligation. You'll see your own numbers and decide for yourself.
What is Infinite Banking?
It's a way of using a properly designed, cash-value life insurance policy as your own source of financing, so the interest you'd normally pay a bank works for your family instead. Visit our Education page to learn more.
Do I need a high income to get started?
No. Our strategies are built for everyday Americans. We start with what you already have.
Good. Let us show you the math.
Tell us a little about yourself and our trusted partners at The Interest Flip will text you to schedule your free analysis. We'll run your real numbers and show you your new mortgage-free date and your tax-free retirement path.
- 1Send us your info (about 1 minute)
- 2Our scheduling partner, The Interest Flip, texts you to pick a time
- 3You get your free, personalized payoff plan
Every month you wait is another month of interest paid to the bank.