Tencap Wealth Coaching

Tencap Wealth Coaching was established in 2012 and operates out of South Jordan, Utah. The firm is a registered investment adviser that blends traditional...

Tencap Wealth Coaching

Tencap Wealth Coaching was established in 2012 and operates out of South Jordan, Utah. The firm is a registered investment adviser that blends traditional financial planning with the Infinite Banking Concept, a strategy originally developed by Nelson Nash that uses dividend-paying whole life insurance policies as a private banking system. Tencap's client base includes individuals, high-net-worth families, and small business owners who want to recapture the interest and principal payments that would otherwise flow to conventional lenders. The firm's strategy centers on teaching clients to build a personal banking system through properly structured whole life insurance contracts with mutual insurers. Once funded, these policies allow clients to borrow against their cash value for major purchases, business equipment, or real estate, repaying the policy with interest rather than a third-party lender. Tencap's coaching model layers investment advisory services on top — covering retirement planning, tax strategy, and portfolio construction — with a focus on cash-flow management and private lending structures. The practice does not publish a public portfolio of direct investments or fund commitments. Tencap's presence is concentrated in Utah, and the firm does not disclose headcount or total assets under advisement. In May 2024, the broader Infinite Banking practitioner community saw a surge of new interest as higher borrowing costs pushed more advisors and clients toward alternative financing structures (per industry trade coverage, 2024). The firm's educational content and coaching programs remain its primary client acquisition channel. What distinguishes Tencap from a standard RIA is its singular commitment to the Infinite Banking philosophy as an organizing principle. Rather than treating insurance as a risk product, Tencap positions whole life contracts as a strategic asset class — a cash-flow engine that can compound regardless of market conditions. This architecture creates a recurring coaching relationship, not just a fee-based advisory one, and ties the firm's value proposition to policy design more than to discretionary asset management.

Website

tencap.com

linkedin.com/company/blackgreg

General information

Firm type

Bank / Wealth / Trust

Year founded

2012

AUM

Undisclosed

Location

Region

North America

Country

United States

City

South Jordan

Corporate office

South Jordan, UT, United States

What is the Infinite Banking Concept that Tencap Wealth Coaching uses?

The Infinite Banking Concept is a wealth strategy developed by Nelson Nash. It uses dividend-paying whole life insurance policies from mutual insurers so individuals can borrow against their own policy's cash value rather than relying on commercial banks. Tencap structures these policies and coaches clients through the borrowing and repayment cycle.

Does Tencap Wealth Coaching manage discretionary portfolios, or is it purely a coaching firm?

Tencap is a registered investment adviser, which means it can provide portfolio management and advisory services. However, the core of its offering is coaching clients on implementing the Infinite Banking Concept. Investment management typically supplements the insurance-based strategy.

Who is Tencap Wealth Coaching's typical client?

The firm serves individuals, high-net-worth families, corporations, and institutions. In practice, its model attracts small business owners and self-directed investors who want control over their financing and who are willing to fund sizable whole life policies to create a personal banking system.

What geographic regions does Tencap serve?

Tencap is headquartered in South Jordan, Utah, and primarily serves clients within the United States. Its service delivery model includes in-person coaching and remote advisory relationships, but no additional office locations are publicly disclosed.

How does Tencap get paid for its services?

As an RIA, Tencap can charge advisory fees based on assets under management or flat retainer fees for financial planning. The Infinite Banking implementation also typically involves life insurance commissions, which create a revenue stream tied to policy placement. The exact fee schedule is not publicly disclosed.

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