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 me a simple question about farming.

'“If you plant one kernel of corn and harvest 1,400 kernels — would you rather pay tax on the seed, or on the harvest?”

I didn't have to think about it.

That question cracked something open for me. The way I understood money — the way most of us understand it — had never really been examined. I started digging.

What I found is in the book. If you want the full picture, that's where I'd send you. 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.

Here’s what I believe: you should know where your money is, be able to access it when you need it, and have a system that doesn’t depend on a market you can’t control.

That’s what IBC gives you.

Cash value that grows on a guaranteed foundation. Access on your terms — not on someone else’s schedule. A strategy you can use now, not just when you reach a certain age. And control that stays with you, no matter what changes in markets or tax law.

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.

My earnings come from the insurance company itself — not from managing your market accounts, not from commissions on products you don’t need, not from fees on assets you don’t control. My only job is to help you build an IBC strategy that works for you, and to be here when you have questions.

Credentials

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

"Licensed life insurance agent/producer — licensed in most states"

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.