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Welcome to the

Infinite Banking Concept™ (IBC)

Take control of your financial world by Becoming Your Own Banker®

Learn How Infinite Banking is the Key to Lasting Wealth.
The Infinite Banking Concept is a strategy used by the wealthy to grow, control, and protect their wealth.                      It’s t
he best secure storehouse of increasing usable wealth, that turns liabilities into assets. 
You will learn why its better than conventional financial planning.
It is the foundation of Whole Picture Planning.

For many, inflation has been the one topic on their mind. Infinite Banking helps with reducing inflation and so much more.
Continue reading to see how. To learn more about inflation check out our inflation resources page. 

AN IMPORTANT QUESTION

If some of the things you believe to be true about money turn out to be untrue, when would you like to find out?

Truth is, there are many things about money that you believe to be true that are not  true. 
A better way exists – using closely guarded strategies the wealthy use. 
We reveal these secrets, endorsed by accountants and economists, below.

Take control of your financial world by Becoming Your Own Banker®

The best secure storehouse of increasing usable wealth. Turn liabilities into assets. Better than conventional financial planning. The foundation of Whole Picture Planning.

For many, inflation has been the one topic on their mind. Infinite Banking is helps with reducing inflation and so much more. Continue reading to see how. To learn more about inflation check out our inflation resources page. 

AN IMPORTANT QUESTION

If some of the things you believe to be true about money turn out to be untrue, when would you like to find out?

Truth is, there are many things about money that you believe to be true that are not  true. 
A better way exists – using closely guarded strategies the wealthy use. 
We reveal these secrets, endorsed by accountants and economists, below.

The Infinite Banking Concept™ is one of those secrets.  Its better than conventional financial planning.  And is available to almost everyone – only from an Authorized Infinite Banking Practitioner.

IBC was developed by the late Nelson Nash, author of the # 1 best selling book titled “Becoming Your Own Banker®”. This book has sold more than 500,000 copies. You can buy yours here.

Becoming your own banker - do financial

It’s key messages are a safer increasing storehouse of wealth is available and you don’t need to be a slave to lenders and you can recapture the interest that you are paying to banks and finance companies for the major items that you need during a lifetime, such as automobiles, major appliances, education, real estate, investment opportunities, business equipment, etc.

IBC is for anyone who answers yes to any of these:

  • Tired of losing money – in credit card, car loan and mortgage interest? See example below.  WARNING: Its a lot more than you think! There is a way to recapture lost money!
  • Tired of the high fees you are paying to invest money with no guarantees or locked-in gains? 
  • Tired of the high risk levels you are assuming with on your investments with no protection from economic tsunamis?
  • Tired of no control and the invasive process to borrow money?
  • I am a real estate investor. Infinite Banking makes your real estate investing even better.

 

Infinite Banking™ provides you with the ability to recapture some or all of what you pay in Debt Services!

No other option exists that provides the opportunity to recapture some or all of what you pay in debt services, also called lost money.  The example below shows a 20-year old will pay close to $9.5 million in debt services over 45 years. Regardless of the number if you are able to recapture some or all of this amount it would allow you to reallocate it into more spending on lifestyle and savings as shown in the second chart.

If you were able to recapture what is paid into debt services you can allocate more into lifestyle and savings!  How would that change your life?

How do you describe Infinite Banking?  We like to describe Infinite Banking as “better than conventional financial planning”.

Conventional Financial Planning vs Better Than Conventional Financial Planning

The chart below summarizes the difference between conventional financial planning (where you are the bank customer) and better than conventional planning (Infinite Banking – where you become your own banker).  Infinite Banking is an “And Asset” that can easily be added to conventional financial planning at any age.
There are 136,000 licensed financial advisors and planners in Canada.  There are only 40 who are Authorized Infinite Banking Practitioners offering Better Than Conventional Financial Planning.  I am proud to announce I am one of those as a member of Infinite Banking Canada Group, a group of independent financial advisors in Canada.

 

As mentioned above, many of the things you believe to be true about money are not.  Let us share one of the them below.

SECRET #1 - Cash is the same as financing

When it comes to paying for, or off, big-ticket item purchases, personally, or in your business, how do you do it?

Infinite Banking Concept - save spend spend - DO Financial

The Problems

Infinite Banking Concept - spend then pay pay - DO Financial

The Problems

There is a better way! Lost money can be recaptured! Liabilities can be turned into assets!

Download the free eBook and learn more secrets:

DO Financial - Infinite Banking Concept (IBC)- ebook cover

Download the free eBook and learn more secrets:

What is Becoming Your Own Banker®, the Infinite Banking Concept™?

I have been in a financial planner for more than 39 years, and have no plans to slow down any time soon.  During the pandemic I had time to assess how well the conventional financial planning industry was delivering on its results.  I questioned the truth of the financial planning narrative. Why are we putting money away in control of others for decades and decades hoping it will grow? All this at the expense of having less money available to spend on current lifestyle.  Further, I discovered stock market returns after crashes, fees and taxes are no where close to what we’ve been led to expect. 

I was reminded of something I learned 30 years ago – Be Your Own Banker. Its a concept that uses some thing unconventional – a specially designed dividend-paying whole life insurance policy – only from an Authorized Infinite Banking Practitioner to create an increasing pool of working capital to borrow from to deploy into opportunities.  And since you’re borrowing from and repaying yourself, this means you are able to recapture this otherwise lost money! 

Use of whole life in this way is like medication created to treat problem X, later discovered it also treats problem Y. 

But it gets better! Whole life cash values, while never intended to be an investment, grew better than conventional options, with lower risk, lower fees, locked-in gains, protection from inflation and other creditors, and creates more retirement income because it is more tax and asset efficient.

The Infinite Banking Concept™ was developed by the late Nelson Nash, author of the # 1 best selling book titled “Becoming Your Own Banker®”. This book has sold more than 500,000 copies.  You can buy yours here.

It’s key message is you don’t need to be a slave to lenders and can recapture the interest that one is paying to banks and finance companies for the major items that we need during a lifetime, such as automobiles, major appliances, education, homes, investment opportunities, business equipment, etc.

Of the 136,000 licensed financial people in Canada only 40 are Authorized Infinite Banking Practitioners. I am proud to be one of the them! For more info contact me.

Check out more IBC Resources here.

Quadrus Investment Services Ltd white - DO Financial

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Insurance products, including segregated fund policies, are offered through DO Financial, and Dave Otto offer mutual funds, referral arrangements, and GICs through Quadrus Investment Services Ltd.

Important information about mutual funds is found in the Fund Facts document. Please read this carefully before investing. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Unit values and investment returns will fluctuate.
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