Testimonials

JLM Testimonials

Bob M., DDS

I heard about the program and read a bit about it and John confirmed its value with further information. He has had a lot of experience with all types of insurance vehicles and has researched it to the hilt – he knows it the best and will be happy to give you all kinds of supportive information. It’s a great vehicle set up with ease with John’s guidance. 

Kara R.

John is very professional, knowledgeable and wonderful to work with!  I used to feel overwhelmed when trying to figure out a financial plan…but John made the whole process very easy.  He thoroughly explained everything and answered all my questions.  It feels good to know that my finances are in good hands!  I highly recommend him!

Rick M.

I have been interested in the strategy since I first heard of it a number of years ago. Last year I finally decided to get started. After a lot of research on the internet, I decided to go with John. He was very organized, answered all of my questions and most importantly, I felt very comfortable with him. He walked me through the setup process (not painful at all) and has been first class responsive in any type of follow up questions or concerns that I have had along the way. John has earned my full trust and he truly does put me, the client, first. Five-star service!

Kevin H.

Hi John-Thanks for the advice. I thought you would want to see what I did with my policy…bought a triplex beach house on part of the Jersey shore. The summer rentals are great! Glad I had the funds ready to go so I could make it happen.

Jose A.

Integrity, honesty and reliability woven into a warm, friendly, intelligent, and confident individual is how I would describe John Montoya. In 2008, my wife and I connected immediately on a personal level with his relaxed approach and willingness to answer all of our technical question pertaining to how the Infinite Banking process actually works. We have learned a lot from John about how the world finance engine really works and what we could do to protect our current assets and future earnings. I have read approximately 80% of all the books available on using PWLI as a guaranteed base for investments and retirement purposes. Along the way, John has provided the guidance and coaching to help us on our journey to financial independence. The very good fortune of having met you is one of the milestones in my life.

Kelly V.

I do find it very intriguing your approach to improving others’ lives with financial education and options for relief. We are so ingrained with the current financial system to follow along, not think for yourself or not break from the mold – not to mention the large gap in the education system that does not include financial or health education. It is easier to be a lemming, just not necessarily the best bet. It’s refreshing to find someone talking about alternatives over media hype which can be an exhausting roller coaster ride.

Gary T.

I am so happy I was able to find John to guide me in my understanding and implementation of IBC. During my due diligence phase of IBC I talked with a lot of people and agents.  The initial journey can be a little overwhelming and John is one of the most patient, understanding, helpful and competent agents you will find. I undoubtedly became a nuisance with all of my endless questions, but he always answered kindly and fully.  He demonstrated over and over that he’s someone easy to build a relationship with for the long term.  Some agents can be arrogant, talk down to you, and will even berate you for asking questions – Not John.

Gary T.

I am so happy I was able to find John to guide me in my understanding and implementation of IBC. During my due diligence phase of IBC I talked with a lot of people and agents.  The initial journey can be a little overwhelming and John is one of the most patient, understanding, helpful and competent agents you will find.  
I undoubtedly became a nuisance with all of my endless questions, but he always answered kindly and fully.  He demonstrated over and over that he’s someone easy to build a relationship with for the long term.  Some agents can be arrogant, talk down to you, and will even berate you for asking questions – Not John.
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