Infinite Banking Advisory
Turn a specially designed whole life insurance policy into your own privatized banking system, so your money keeps compounding even while you use it.
What is the Infinite Banking Concept?
The Infinite Banking Concept (IBC) is a financial strategy that uses a specially designed whole life insurance policy as your personal banking system. Instead of sending your money to a bank or brokerage, you build cash value inside a dividend-paying whole life policy and then borrow against that cash value to finance your life's needs.
Your money keeps compounding while you use it, and you pay yourself back instead of paying a bank. The result is a financial life that operates more like a banking business, with less risk, less tax, and more control over your capital.
Your own bank versus a traditional bank
The difference is not the product. It is who controls the money while it is being used.
Built for disciplined savers who want control
IBC works best for disciplined savers who are consistently putting away at least $2,000 a month. If you are not at that level yet, IBC may not be the right starting point, and David will not try to make it fit.
Many of the people David works with are doing well on paper but still wonder whether they are making the best decisions with their money, paying more in taxes than necessary, or truly prepared for the future.
Clients David regularly works with
- Successful professionals and business owners
- Real estate investors
- Airline pilots
- Military personnel
- Families building generational impact
David's approach to designing your policy
A generic whole life policy and a Specially Designed Life Insurance Contract are structurally different. The design is what makes IBC work.
Designed for cash value
The contract is structured to maximize the cash value you can access rather than the death benefit. Most insurance agents do not know how to build these contracts correctly.
Compounding while in use
Because you borrow against your cash value rather than withdrawing it, your full balance keeps compounding uninterrupted even while you put the money to work.
No consulting fees
David does not charge consulting fees. His compensation comes from the insurance company, so his incentive is to design the best possible policy for you, not the most expensive one.
What to expect
A clear, conversational process from the first call to an active policy.
- 1
Clarity Call
A free 60 to 90 minute conversation via Zoom to understand your goals and see whether IBC is the right fit.
- 2
Contract design
If IBC is a fit, David designs a Specially Designed Life Insurance Contract tailored to your cash flow and walks you through it.
- 3
Underwriting
The underwriting and approval process typically takes a few weeks, depending on the insurance company.
- 4
Your banking system
Once active, you use your policy cash value as your privatized banking platform, with ongoing guidance from David.
What you gain
Certainty
Guaranteed growth, tax advantages, and contractual protection against market loss.
Control
You become your own source of financing and borrow against your cash value on your own terms.
Efficiency
Keep more of what you earn so you can earn on more of what you keep, with less tax drag.
Compounding uninterrupted
Your full cash value keeps compounding even while you borrow against it.
You pay yourself back
Repayments flow back into your own policy instead of interest paid to a bank.
Nationwide
Work with David from anywhere in the country, with no consulting fees on the initial call.
Related services
Infinite Banking pairs naturally with these other areas of guidance.
Income Planning
Income management through the Currence platform to empower your financial strategies.
Jump to sectionCapital Deployment
Private commercial lending with guarantees and an equity component.
Jump to sectionPrivate Lending
Private lending strategies that keep you in control of your capital.
Jump to sectionInfinite Banking questions, answered
See if Infinite Banking fits your life
The first conversation is free, lasts 60 to 90 minutes via Zoom, and comes with no consulting fees and no obligation. David will walk through your current setup and tell you honestly whether IBC is the right fit.
Request a Clarity Call
Complete the form below and David will follow up directly.
Ready to become your own banker?
Start with the book that explains the Infinite Banking Concept, or schedule a free Clarity Call with David.