If you want what the middle class has – fear of money, fear of running out of money, fear of the stock market – continue doing what they do.
If you want to be wealthy, follow the strategies of the wealthy! IBC® is one of them!

“If you don’t know you have a problem, how much time are you going to spend looking for a solution?” Scott Cordier 


Here are the problems you have that you don’t know you have!

The problems:

  • Losing Out on the Secret to Unlocking Competitive High Secure Guaranteed Returns Now! 
  • Losing Out on the Secret to How to Get Better Financing Options Today!  Financing outside your household forfeits hundreds of thousands of your household wealth over your lifetime!
  • Losing Out on the Secret to no-limit Tax-Free Financial Gains and Tax-Free Passive Income Now!
  • Losing Out on the Secret to How to Take Better Control of Your Money Today! Hope in markets you have no control of is a bad strategy!
  • Losing Out on the Secret on How You Can Stop Contributing to Inflation Now! 
  • Losing Out on the Secret to How to Gain Access To No Credit Check and Invasive-Free Borrowing Today!
  • Losing Out on the Secret to How to More Easily Manage Your Money Now!
  • Losing Out on the Secrets to More: How to Get No Hidden Fees or Penalties, How to Get Asset Privacy, How to Get Creditor Protection on Assets, How to Get Easy and Quick Tax-Free Transfer of Assets on Death Today!

The Solution

You must learn how to become your own banker! It can be done, and done easily!  It is the solution to every problem listed above!
Our platform, IBC® (Infinite Banking Concept®), is an easy-to-manage privatized banking solution.  Not only is it the only way to become your own banker, it includes competitive consistent guaranteed returns and no market volatility with locked-in gains! It also provides creditor protection, and no hidden fees or penalties. Plus, its highest risk-adjusted returns provide the only way to recover lost money – lost money is the money you lose to lenders and when you withdraw.
With no invasive credit checks for guaranteed preferred-rate borrowing, that does not contribute to inflation (doing business with banks does), protected returns, and privacy assured, it’s no wonder IBC® is the go-to choice for those seeking control and a safe asset with no risk. And with easy and quick transfer on death, your loved ones will have peace of mind too. Join us today and experience the best in asset efficiency and return play. Download the free eBook below and book a free conversation now!

Welcome to the

Infinite Banking Concept® (IBC®)

The Infinite Banking Concept® did not create anything that did not already exist. The answer was always there, hiding in plain sight. Once you see it, you can’t unsee it.


Eliminate Outside Debt
  • Transfer outside debt to a policy you own and control.
Self-Finance Purchases!
  • Use Infinite Banking® to finance your vehicles, home, investments, and more.
Tax-Free Passive Income!
  • Collateralize your cash values for a 3rd party loan where the funds are received tax-free.
Tax-Free Death Benefit!
  • All life insurance death benefits are tax-free in Canada.
  • IBC® is a better way to finance everything you currently finance – and more.
  • IBC® is a life-changing economic system for those who use it regardless of age – but especially for younger generations.
  • IBC® is radically, yet refreshingly, different from traditional wealth building strategies – and its results are appreciably better, and with certainty.
  • IBC® is so all-encompassing that no other strategy will ever be needed in order to get the desired financial results.
  • IBC® is life changing for future generations making it the #1 go-to strategy for children
  • IBC® utilizes closely guarded strategies the wealthy use. We reveal these secrets, endorsed by accountants and economists, below.
  • IBC® is the original TFSA, but better. IBC® is a no-limit TFSA. 
  • Infinite Banking® is a process that empowers individuals to become their own bankers and to reclaim the banking function in their lives from outsiders.
  • IBC® uses the world’s most secure storehouse of wealth high-yield participating (dividend-paying) Whole Life Insurance cash value as its pool of working capital. Infinite Banking as a process, not a standalone product.
  • Warren Buffett once said, “The first rule of an investment is don’t lose [money]. And the second rule of an investment is don’t forget the first rule.” IBC® does not lose money – IBC® is not an investment – yet its long-term returns are virtually the same as the stock market after fees and taxes!


Why is Infinite Banking® becoming a household necessity? In the past, we did the same thing with our money as we told you to do with yours. We gained when you gained, and we lost when you lost.
The thing that separates us as Authorized IBC® Practitioners is that we learned from the mistakes that affect all of us. We learned a better way, the Infinite Banking® way. It became a moral obligation to share it with you.
IBC® has been practiced secretly by the wealthy for over 200 years. If you want to be wealthy, do as the wealthy do!

“The #1 mistake people make in financial planning is not becoming their own banker.”

Dave Otto

  • IBC® is “privatized banking”. IBC® privatized banking creates more wealth than conventional financial planning. How is this possible? Because it is the only way available to recapture hundreds of thousands of dollars of lost money over your lifetime, and more.  Lost money is hundreds of thousands of dollars you lose in debt servicing costs and opportunity cost lost when they “cut down the apple tree”.
  • IBC® requires you to think differently. IBC® is a better way of banking. 
  • Commercial banks are designed to fail…and they do. That’s why they need depositor-funded CDIC insurance protection and taxpayer funded bailouts.  They have a 0% deposit reserve requirements. IBC® privatized banking has in excess of 100% reserve requirements.
  • IBC® is the Perfect Investment (but its not an investment)

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 (IBC®) is the better way – for individuals and businesses to build more usable wealth.


IBC® also 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 IBC® Practitioner, such as us.

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:

IBC® provides you with the ability to recapture some or all of what you pay in personal and business Debt Services!

Conventional financial planning offers no way 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 this person only earns $50,000 a year that’s still  $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
The chart below shows how much more lifestyle spending and savings you could have with IBC®.
IBC® is the only way to turn liabilities into assets. How would this change your life?
becoming-your-own-banker-Wealth Potential vs Expenditures - DO Financial

What People Want

The chart summarizes the key differences between WL (dividend-paying Whole Life Insurance), RRSPs, RESPs, and TFSAs. WL is the foundation of IBC® and provides more of what people want. WL is the original TFSA with one important difference – it has no contribution limits. WL is the world’s most secure asset known as  “sound money”.  RRSPs, RESPs, and TFSAs are not “sound money”. Its a great way to diversify over-dependence on conventional financial planning, at any age.

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:

IBC® is endorsed by a Certified Financial Planner® (CFP®)

Simply put, IBC® is the best foundation for financial plans. I have been in a financial planner for more than 39 years, with no plans to slow down any time soon.  During the pandemic I had time to assess how well conventional financial planning 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. 

Authorized IBC® PractitionerInfinite Banking Concept - Authorized Practitioner - DO Financial

The Authorized IBC® Practitioner is a type of financial professional that is set apart from among the ranks of the three-quarters of a million licensed financial experts in the U.S. and Canada. These individuals may be attorneys, CPAs, CFPs, CLUs or even stockbrokers, but in addition to their given trade they also practice a unique financial strategy that they teach to their clients.

This concept is so radically different from traditional wealth building strategies and the results so appreciably better that these practitioners are beginning to receive notable interest. The technique is so all-encompassing that it is not too far fetched to say that no other strategy will ever be needed in order to get the desired financial results.

I was reminded of something I learned 35 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, like me, 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! 

Why whole life insurance? Because no other financial vehicle fits. 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.

IBCanada Group is a group of independent financial advisors in Canada who are also Authorized IBC® Practitioners.

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

Quadrus Investment Services Ltd white - DO Financial

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