How I Got Here
I didn't start in finance. I started in the cockpit.
For years, my wife and I were both pilots at a major commercial airline — both making six figures, both building careers we expected to retire from. Between our two pensions, we were looking at roughly $200,000 a year in retirement income. We had a 401(k). We had the plan everyone told us to have. We thought we were set.
Then the airline filed for bankruptcy.
The merger that followed gutted our pensions. The company moved what little was left into the Pension Benefit Guaranty Corporation — a federal agency that, in practice, meant our retirement income was a fraction of what we'd been promised. Our household income dropped about 40 percent. What we had left was a 401(k) inside a system that, from where we were sitting, was not stable.
That was the moment the financial system stopped looking solid to me.
The Conversation That Changed Everything
In 2009, a successful friend named David sat us down in his living room and started asking questions. Simple questions at first — do you use a bank, do you have insurance, do you have a 401(k)? Then he asked one that stopped me cold.
"Do you really want to have a lower standard of living in retirement — by having less income than in your working years? You'll still have living expenses. You'll probably want to travel more. Medical expenses will be rising. Do you want to have less income?"
No one had ever put it to me that way before.
Then he asked about farming. If you plant one kernel of corn and harvest 1,400 kernels — would you rather pay tax on the one seed, or the 1,400? The answer is obvious. But with a 401(k) or IRA, you're paying tax on the harvest. You defer the tax on the small amount you put in, and then you pay full tax on everything it's grown into when you finally take it out. And nobody can tell you what tax rates will look like when that day comes.
By the end of that conversation, my wife and I looked at each other and asked the same question: why is this the first time we've ever heard of this?
That question is the same one most of my clients ask when they finally understand the Infinite Banking Concept.
Finding Nelson Nash
We tracked down R. Nelson Nash — the man who developed the Infinite Banking Concept — and attended one of his seminars in Minneapolis. Nelson and his wife Mary became close friends. We shared common loves: Christ, family, and flying.
Nelson became my mentor. For years, he trained me personally in the deeper principles of IBC — not just the mechanics, but the philosophy behind it. Why banking is a process, not a product. Why uninterrupted compounding matters. Why control of your money is the foundation everything else is built on.
He would say: "This concept is not complicated. It is just different from the way the majority thinks and behaves. You have to think long range."
Since the first edition of my book, Nelson has passed away. I spoke with him just days before he died. He was in good spirits, knowing his time was drawing to a close. My wife and I miss him. He changed our family's financial future for generations.
I'm honored to carry his work forward as an Authorized Infinite Banking Practitioner through the Nelson Nash Institute.
What I Believe
The conventional financial system is not set up for you to win. Wall Street drains money from working people through fees, taxes, interest, and penalties — and most people never see the full cost because they're too busy living their lives. I don't blame them. I was one of them once.
Traditional retirement plans defer the problem instead of solving it. There's no guarantee of the outcome. Inflation erodes your buying power every day. Your savings are locked up for decades. And the "professionals" managing your money get paid whether your account goes up or down.
I believe money should work for you — not flow through your hands on its way to someone else. The Infinite Banking Concept puts you at the center of your own financial system. You deposit into it, you borrow from it, you pay yourself back instead of paying a bank. Your cash value compounds — principal, interest, and dividends — and you stay in control of your money for life.
That's what "becoming your own banker" means. It's not a slogan. It's a practice. I've been living it since 2008.
My Faith
My faith in Christ is my guiding life principle. It's not a marketing angle — it's the principle that orders the rest of my life and my work.
My book is dedicated to Jesus Christ and my family. I believe IBC is, at its heart, an expression of biblical stewardship. Proverbs 13:22 says, "A good man leaves an inheritance to his children's children." That's what this work is about — multi-generational stewardship of what God provides, rather than handing it to a system that wasn't designed with your family in mind.
I talk with most of my clients about my faith. It's been remarkable how many people appreciate the value system rather than push back against it.
What I Won't Do
I treat every client the way I'd treat a family member. That's not a marketing line — it's the actual standard.
If IBC isn't right for you, I'll tell you. I'd rather have the right hundred clients than the wrong thousand.
I will never lie to a client. If a potential client asked me to lie, the answer is no.
Most of the financial "professionals" out there are paid by the Wall Street system. That should tell you all you need to know about whose interests they serve. My practice will never be the kind that sells to anyone just to make a buck.
Credentials
Authorized Infinite Banking Practitioner — Nelson Nash Institute
Personally trained and mentored by R. Nelson Nash, creator of the Infinite Banking Concept
Author of Why the Rich Don't Die Broke (2018, second edition 2020)
Practicing IBC since 2008, full-time since 2011
Former commercial airline pilot
Founder, Freedom Estates Inc.
Ready to Talk?
I became an IBC practitioner because a friend took the time to sit down and explain what no one else had ever told me. I do the same thing for my clients — one conversation at a time.