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.

Welcome to the

Infinite Banking Concept® (IBC®)

Infinite Banking® is a huge upgrade to conventional financial planning. To see it you have to think differently – outside the conventional financial planning box. Its related to a better way of banking – called “privatized banking”.

Read on, with an open mind, and challenge why you believe what you believe about money. You decide if recapturing hundreds of thousands of dollars over your lifetime, and more, is of value to you. Let’s start with are you a spender, saver, or wealth creator.

Are you a Spender, Saver, or Wealth Creator?

👉 Spender. The spender has no liquid assets and has no other choice than to borrow from a financial institution when making a major capital purchase.
👉Saver. The saver prefers to save toward a major capital purchase and then pay cash. The saver must then save again for the next major purchase. While the saver does not pay interest to a financial institution like the spender, the saver forgoes earning future interest on the money consumed by the purchase.

👉Wealth Creator. The wealth creator saves to build up a continually increasing usable pool of capital. When a major purchase is required, the wealth creator is then in a position of strength to choose how to finance the purchase at the most favorable terms and rates. The wealth creator turns liabilities into assets. Conventional financial planning does not.

Wealth Creator is Infinite Banking®

Laid out side-by-side it should be be clear Wealth Creator – Infinite Banking® is the better way.

Conventional financial planning strategies, that create increasing tax-infected assets at increasing tax rates, built on sink-hole ground, are not working.  

Infinite Banking Concept® (IBC®) is a huge upgrade to conventional financial planning strategies.  It has been used by the wealthy for over 150 years to better GROW, CONTROL, and PROTECT their wealth. IBC® is not built on sink-hole ground.

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

The Infinite Banking Concept®

The Infinite Banking Concept® is a closely held secret of the wealthy.  Its better than conventional financial planning.  And is available to almost every individual and business – only from an Authorized Infinite Banking® Practitioner, such as me.

Authorized Infinite Banking™ Practitioner - Dave Otto CFP®️ CLU® CH.F.C.®️ EPC®️- DO FINANCIAL  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.

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.

This book is worth at least half-a-million-dollars to you.  We know that.  But you don’t, and that’s okay. But not knowing what’s in this book is costing you hundreds of thousands of dollars! 

We’ll make you a deal.  Buy the book and read it. If you don’t think its worth $500,000 we’ll refund your money or we will make a donation for $100 in your name to the charity of your choice. We will prove it too you!


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

Infinite Banking® provides you with the ability to recapture some or all of what you pay in personal and business Debt Services! IBC® allows you to Become Your Own Banker®!

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 earning $100,000 a year will pay close to $9.5 million in debt services over 45 years.  If they only earn $50,000 a year that’s $4.75 million! Are you okay with that? Business debt service costs will be similar. 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 or business profitability as shown in the second chart.

becoming-your-own-banker-Wealth Potential vs Expenditures - DO Financial

If you were able to recapture the 35% of your income that is paid into debt services you will be able to increase your lifestyle spending from 30% to 40% and significantly increase your personal savings or business profitability by 600%! How would this change your life?

becoming-your-own-banker-Wealth Potential vs Expenditures - DO Financial

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 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.

Conventional vs unconventional - DO Financial

There is a better way! CHANGE THE WAY YOU THINK! 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 high cash value 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.

For more info contact us.  Check out more IBC® Resources here.

IBC Authorized Practitioner - Dave Otto - DO FinancialIBC Canada - Dave Otto - DO FinancialTop 3 Financial Advisors Calgary - DO Financial

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