What I Do

I help people take back control of their money using the Infinite Banking Concept.

That's the short version. Here's what it actually looks like.

Most people who find me have spent years — sometimes decades — doing what they were told: funding a 401(k), trusting the "professionals," hoping the numbers will be there when they need them. At some point, they looked at a statement and the math didn't add up. The fees, the taxes, the penalties for accessing their own money, the market swings they can't control — it starts to feel like the system wasn't designed for them.

They're right. It wasn't.

The Infinite Banking Concept is a different way of handling money. Instead of handing your dollars to a bank or brokerage and hoping for the best, you build your own banking system using a Specially Designed Life Insurance Contract — a dividend-paying whole life policy structured to maximize the cash value you can access and use, rather than just the death benefit. Your cash value compounds — principal, interest, and dividends — and you can use it to finance your life's needs without interrupting that growth. No market risk. No surrender of control. No waiting until 59½ to touch your own money.

I didn't invent this. R. Nelson Nash did. I was trained and mentored by him personally, and I'm an Authorized Infinite Banking Practitioner through the Nelson Nash Institute. I've been practicing IBC since 2008 and running my practice full-time since 2011.

How It Works When You Work With Me

Step 1: We talk. A consultation — usually via Zoom for 60 to 90 minutes — where I learn about your financial situation, your goals, and whether IBC is actually a fit. I'm not here to sell you something. If IBC isn't right for you, I'll tell you. I treat every client the way I'd treat family, and I don't say that as a marketing line — it's the actual standard.

Step 2: I design a contract specifically for you. Every IBC policy I build is specially designed — that's not a buzzword, it's a structural distinction. A generic whole life policy and a Specially Designed Life Insurance Contract are not the same thing, and the difference is where the value lives. I design contracts that maximize your available cash value and your ability to use your money, not contracts that maximize someone else's commission.

Step 3: You start using the system. Once your policy is funded, you begin financing your own life through it — vehicles, real estate, business expenses, education, whatever you'd normally borrow from a bank to pay for. The difference is that when you borrow against your own policy, the cash value continues to compound. You pay yourself back instead of paying a bank. Over time, this changes the entire direction of your financial life.

Step 4: We stay in contact. This isn't a product I sell and walk away from. IBC is a long-term financial strategy, and I work with my clients over years — adjusting, advising, answering questions as life changes. My clients have my number.

Who This Is For

IBC works well for people who are already disciplined savers. If you're consistently putting away at least $2,000 a month — into a 401(k), savings account, brokerage, wherever — you're a strong candidate. You already have the discipline. What you may not have is a system that actually respects your money.

My clients come from all walks of life: business owners, professionals, couples planning for their families, people in their 20s through their 70s. What they share is a willingness to learn how money actually works — not how they were told it works.

If you're not currently saving at that level, IBC may not be the right starting point for you — and I'll tell you that honestly rather than try to make it fit.

Why I Do This

I came to IBC through a hard lesson. I was a commercial airline pilot. My wife was too — same airline, both making six figures, both with pensions that would have paid roughly $200,000 a year combined at retirement. Then the airline went bankrupt. Our pensions were essentially wiped out. Our income dropped 40 percent. What we had left was a 401(k) inside a system that, from where we were sitting, was not stable.

A friend introduced us to IBC in 2009. The first thing my wife and I said to each other was: why is this the first time we've ever heard of this?

That question is the same one most of my clients ask. It's why I wrote Why the Rich Don't Die Broke — available on Amazon and Audible. And it's why I do this work.

Ready to Talk?

Schedule a consultation. No pressure, no pitch — just a conversation about whether this makes sense for you.