You may pay up to 23x more
in tax than the tax you saved

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.

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

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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. Mutual funds, referral arrangements and GICs are offered through Dave Otto via 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 Alberta, British Columbia, Ontario, Northwest Territories, and Nova Scotia only.
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