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Tax-Free Cash Accumulation

Hassle-free access to money anytime

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Legacy Planning: Personal & Business

Ensure a Permanent Legacy

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Asset, Debt, & Cash Flow Management

Asset Multiplier & Debt Acceleration strategies


Portfolio and Tax Diversification

Reduces portfolio market volatility while providing unprecedented liquidity, convenience, and tax-free asset status.

Multi-Generational Wealth Attainment

Enjoy the peace of mind permanent life insurance provides. With a guaranteed death benefit and a rate lock that will not change as you age, you can preserve more wealth and reduce taxes now and for future generations.

Dual Compounding Potential

Leverage your existing cash value to acquire investments without interrupting cash value growth. With money in two places simultaneously, assets compound twice as fast.

High Interest Rate Reduction

Reduce your debt quicker and pay less interest on credit card debt or home mortgages – without increasing your monthly payments.

Reduce Uncertainty & Take Control of Your Financial Future

Markets can be volatile. From the stock market to the real estate market, even the most “conservative” investments can take a downturn. But what if you could take control of your money and your financial future without being exposed to market risk? Imagine the security and peace-of-mind of having both guaranteed growth AND cash liquidity.


Infinite Banking Concept ®

The Infinite Banking Concept® (IBC) is a little known financial strategy that allows virtually anyone to free themselves from Wall Street and the traditional banking system by building their own “banking system” via IBC® Whole Life policies designed for high early cash values. This surprisingly simple and proven system can not only save you from high-interest rates and bank fees, but it also ensures maximum liquidity, lawsuit protection, and numerous tax advantages.

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IBC® Authorized Practitioner

One of only 200 authorized practitioners with the Nelson Nash Institute to teach the Infinite Banking Concept® to the public.


Licensed Nationwide

We help individuals, families, and business owners to learn and implement the Infinite Banking Concept® nationwide.


Online Appointments

Our 100% virtual process makes getting started simple and easy.



John Montoya

Founder of JLM Wealth Strategies
Infinite Banking Concept®, Authorized Advisor

John Montoya began his career in financial services in 1998. Licensed in 40+ states, he has dedicated his career to helping families find financial freedom. John holds a B.A. from the University of San Diego and is a CFP® candidate with the American College. In his free time, John is a series E licensed soccer coach for the Mustang Aztecs in the city of Danville.  In 2015 and 2016, John coached the Aztecs to back to back State Cup titles. John along with his Aztec families volunteer for Grateful Gatherings events to help local families transition to permanent housing when facing homelessness or in crisis.

Schedule a Personal
Consultation with
John Montoya

Want to get started or just learn more? Schedule an appointment — either on the phone, online or in-person — at your convenience.