Welcome to the

Infinite Banking Concept™ (IBC)

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

The foundation of Whole Picture Planning – the best storehouse of increasing usable wealth


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 the invasive process to borrow money?
  • I am a real estate investor. Ask to learn how Infinite Banking works very well with Real Estate.
Wealth Potential vs Expenditures 5-24-22 - DO Financial


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.


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!

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.  During the pandemic I had time to assess how well the conventional financial planning industry was delivering on its results.  Stock market returns after crashes, fees and taxes are no where close to what we’ve been led to expect. 

During this time I was reminded of something I learned 30 years ago – Be Your Own Banker. Its a concept that uses some thing unconventional – dividend-paying whole life insurance cash value (because nothing else can do it as well) to create 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 the stock market index with lower risk, lower fees, with guarantees, locked-in gains, protection from inflation and other creditors, and creates more retirement income because it is more tax-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 400,000 copies.  You can buy yours here.

It’s key message is you 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.

Quadrus Investment Services Ltd white - DO Financial

Quadrus, Quadrus Investment Services Ltd. and design are trademarks of Quadrus Investment Services Ltd. Used with permission.
The use of email is not a secure medium and personal information should be transmitted by more secure means.
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.
The information on this website is intended for residents of AB, ON only.
Click here to view legal, copyright and trademark information.