Use the Infinite Banking Concept® To Grow Wealthy and Eliminate Uncertainty & Usury Forever

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Learn more about the Infinite Banking Concept® by watching the videos below!

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Infinite Banking Concept®



IBC (Infinite Banking Concept) also known as Bank On Yourself® under a different trademark has been one of the best financial secrets for decades.


It’s a fundamentally sound philosophy that frees you from the Wall Street/Banking system that holds everyone captive for life.  Best of all, it’s surprisingly simple to implement.


The Infinite Banking Concept® has numerous benefits, including the fact that it’s a private non-qualified plan, it’s tax-favored under IRS tax code 7702, it’s protected from lawsuits, and it safely grows your money even when you decide to deploy it somewhere else!


In short, the Infinite Banking Concept® is like having your own bank. You can access money from it anytime you want. You can spend your money however you like and you can pay yourself back whenever you want.


You’ll never have to pay interest to another financial institution again.

No more credit checks.

No more loan applications.

No more sleepless nights wondering if your retirement plan is on the right track.


When you consider how much money the average person “throws away” by paying interest and fees to banks, credit card companies, and other finance companies, you can see that the ability to use your IBC policy as your own financial system is a benefit that could easily be worth several hundred thousand dollars over the course of a lifetime.


Kelly’s Infinite Banking Success Story directed by Doug Orchard

Watch the videos on on our site and then contact JLM Wealth Strategies to request more information.

NBA Hall of Famer, Rick Barry from Plugged In Productions on Be Your Own Banker.

John A Montoya, Founder of JLM Wealth Strategies began his career in financial services in 1998, and is one of only 200 financial advisors in the country who have successfully completed the training program required to become a Bank On Yourself® Authorized Advisor.  John also is an IBC Practitioner with the Infinite Banking Institute and holds a B.A. from the University of San Diego. In 2013, John co-authored the best-seller The Secret to Lifetime Financial Security.  For more information about the Infinite Banking Concept®/Bank on Yourself®, please visit and enter John’s advisor code: JM66.

To request a no cost analysis:

(925) 386-6639
CA Life Lic.#0C42222
DRE #01390017


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