What Is Infinite Banking

We advocate and implement the Infinite Banking Concept solution so our clients don’t have to wait until retirement to start living their wealth!

At JLM Wealth Strategies, our mission is to educate and inspire individuals and families to take control of their financial lives while reducing uncertainty about volatility.

The Infinite Banking Concept (IBC) will teach you how to become your own banker by:

Creating your own private financial system using dividend-paying, permanent life insurance.
Using available savings and cash flow to build your own “financial system”.
Showing you how to set up and contribute premiums to start your IBC designed Whole Life policy.
Growing your wealth while paying off debt simultaneously, including your mortgage.
Expanding your Infinite Banking system to accommodate all income to increase your personal wealth without any luck, skill, or guesswork on your part.
Helping business owners can use the IBC strategy instead of a Line of Credit from a traditonal bank to access capital.

The possibilities are Infinite!

The Infinite Banking Concept reveals the truth behind the most important business in the world – banking. Are you ready to take back control of your money while reducing excess taxes from your life?

The Infinite Banking Concept was created by R. Nelson Nash who is the author of Becoming Your Own Banker. Mr. Nash is an advocate of the “Austrian School” of economics, a school of thought stressing the economic benefits of individual liberty, sound money, and limited government. Mr. Nash has described IBC as “Austrian economics in action.”

John Montoya

John 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 both Infinite Banking® Authorized Advisor and a Bank On Yourself® Authorized Advisor. John is licensed in over 40+ states and does most of his appointments virtually across the United States. He also maintains an office for those local to the San Francisco Bay Area. John is currently enrolled with the American College completing the Certified Financial Planner (CFP®) designation.

John holds a B.A. from the University of San Diego. In 2013 John co-authored “The Secret to Lifetime Financial Security” with Best-Selling author Pamela Yellen along with other leading financial advisors. He was added to the National Academy of Best-Selling Authors website. In his free time John is a youth soccer coach where he coaches for the city of Danville. In 2015 and 2016, John led Mustang Aztecs to back-to-back State Cup championships. He also volunteers time with Grateful Gatherings helping local families facing homelessness to transition to permanent housing.
To learn more about Infinite Banking® including how to get started, please visit his online calendar at www.IBC.guru to request an introductory telephone appointment.

Infinite Banking Authorized Practictioner

Are you ready to work with a dedicated IBC expert who isn’t afraid to think outside of the box to find creative ways to grow your wealth and pay off your debt? There are few better partners than our team here at JLM Wealth Strategies.

John Montoya and his support staff are ready to walk with you on this journey, helping you to establish what so many men and women strive for: create financial independence.

Work with one of the leading Infinite Banking Authorized Practictioners

So many of the traditional financial advisors nationwide rely on essentially the same investment and financial planning methods. Conventional investment tools like IRAs, Roth IRAs, 401(k)s and mutual funds seem to be the industry standard. These financial products might seem good enough, but have you ever wondered if there was a more effective way to achieve your financial goals?

JLM Wealth Strategies is one of the few financial firms that explored that notion and developed an approach to wealth building that is truly unique and effective.

Talk to us about Infinite Banking

Whether you’re looking for Infinite Banking — or 770 accounts, as many know them as — or you have never heard of this concept, JLM Wealth Strategies is ready to work with you.

The Infinite Banking concept is one that has been utilized for decades and with undeniable results. However, it’s still considered to be one of the best-kept financial secrets as it has yet to reach the mainstream. Through a super-charged, dividend-paying whole life insurance policy, you are able to effectively act as your own bank. The benefits of 770 accounts are seemingly endless — they allow you to:

Enjoy the benefits of whole life coverage for you and your family
Leverage the cash value to take out tax-free personal and business loans
Grow your money, even while you’re using it
Pay down debt quickly, including your mortgage
Grow money consistently regardless of how the markets are performing
Protect your money from taxes
Avoid the daily compounding interest, fees, credit checks, and hoops you have to jump through when working with traditional banks

As one of the few authorized practitioners working nationwide with Infinite Banking, we are able to walk you through our 3 step process and tailor a solution to fit your needs. We want you to understand the concepts of Infinite Banking so you can have the peace of mind knowing what you’re doing with your money.

See for yourself why John Montoya and his team are regarded as one of the premier Infinite Banking advisors nationwide. Connect with JLM Wealth Strategies right now.