Patrick is the President and CEO and started Paradigm Life in 2007 after learning from his mentor Kim Butler about financial strategies outside of Wall Street. With a background in economics and marketing, Patrick immediately realized the opportunity to teach investors, business owners, professionals and families on a large scale using modern digital media and communication technology. Since 2007 Paradigm Life has worked with thousands of individuals in all 50 states. Patrick has shared the stage with financial experts such as Robert Kiyosaki, Peter Schiff, G Edward Griffin, Tom Hopkins, Blair Singer, Donald Trump Jr and more. Patrick co-created the Cash Flow Wealth Summit (www.cashflowwealthsummit.com) with his friends Tom Wheelwright, CPA of Provision Wealth and Andy Tanner, the author of 401kaos and Stock market cash flow (have links to their websites and books). Patrick hosts The Wealth Standard Radio - a popular financial podcast every Wednesday morning at 9am MST on the Tune In Radio Network. The Wealth Standard Radio has been on the air since 2007. Patrick grew up in West Hartford, Connecticut and moved to Salt Lake City in 2003 to attend the University of Utah and graduated with a BA in Economics. His yearly highlights are a family trip to his parents home in Cape Cod, Massachusetts and to Hermosillo, Sonora Mexico where his wife Synthia's family resides. He enjoys playing ice hockey and is an avid participant in CrossFit. Patrick currently resides in Salt Lake City, Utah, with his wife Synthia and their three children Hannah, Meghan and Jack.
- A Summit at Sea
- Don’t Be the Smartest Person in the Room
- 3 Simple Terms to Help You Understand The Wealth Standard
Before joining Paradigm Life, Brad founded a consulting and audit practice that specialized in working with companies going public. Brad also invests regularly in real estate and has been involved in buy and hold deals, flips, as well as syndications. Brad has the ability to take complex topics and explain them in a way that is easily understood by others. His personal implementation of the Infinite Banking Concept, coupled with his experience in real estate and starting a successful business, allows him to connect theory with practice for those researching the banking concept. Brad earned his Master’s Degree in Accounting from Brigham Young University as well as a minor in Economics. He is originally from Ellensburg, Washington where he grew up on his family’s farm. He and his wife Christine have 4 children. Away from work, Brad is an avid reader. He has a passion for Austrian Economics as well as business and investing topics in general. Brad also loves snowmobiling and travels throughout the Northwest to enjoy the sport.
- Managing Irrational Investment Decisions
- Giving Your Credit Where Credit is Due
- Another Way to Think About Policy Loans
John started his first business at the age of 15. Since then he has been a business founder, co-founder or in high-level management the majority of his working life. Having more than 25 years in the financial, and management arena, John has consistently been drawn to the numbers and details of business and investing. John has built several multi-million dollar businesses from the ground up, including one of his corporations with over 170 employees and subcontractors doing business in 37 states. Over the years, as John has attended “the school of hard knocks.” He has been in charge of a wide range of responsibilities involving business management, finance, investing, real estate, and legal/contractual duties - all the while continually educating himself professionally. He considers himself to be a perpetual student. From his years in businesses and real estate, John has picked up invaluable experience, wisdom and comprehension in creative and diverse financial dealings, as well as the nuts and bolts of business management and investing. This has been an ideal foundation for his ability to educate and assist his clients in reaching their financial goals. John has always loved sharing the knowledge he has learned with others. Over time, he realized a great need and passion for “true” financial education so that people could be financially free. John is currently active both professionally and personally in private lending, real estate, and business funding - all using the cash value of his Life Insurance through the principles he learned from the Infinite Banking Concept over a decade ago. John’s true passion is creating financial freedom for others, and educating people on the power of “Becoming your Own Banker”, and maintaining the control, safety, liquidity, and outcome of their own money. John lives in Salt Lake City with the love of his life, Ruth, and their three beautiful children. Away from business, he enjoys scuba diving, mountain climbing, traveling, and spending time with his family and friends. “I love what I do; I get so excited when I am able to assist my clients in creating their dreams, all the while protecting themselves, and their families! I believe everyone can experience financial freedom, and live the life they desire. My goal is to provide a simple, attainable road map they can follow, taking out the guess work on how to get there.” –John Stewart
- What Will Uncle Sam Take from Your Grave with Death Tax?
- Keep Your Nest Egg Safe: Protect Your Assets
Justin’s entrepreneurial spirit began as a young boy. Justin’s father learned about a construction business at a young age and built that business from the ground up into a successful business that is still operational today (nearly 50 years later). This had a huge impact on Justin that instilled the basic life principles of hard work, ingenuity, integrity and commitment. Justin learned by his father’s example that these 4 principles are essential to anything he does in life. These 4 principles have been instrumental in creating success in Justin’s own Construction Company, teaching self-motivational seminars and a Financial Services practice for nearly 23 years. Justin also realized that the entrepreneurial spirit is alive in each and every individual and you don’t have to own a company to be an entrepreneur. By educating his clients on the principles of the Infinite Banking Concept, Justin’s clients realize that they have the power to create the flexibility, passion and peace-of-mind that comes with financial stability and freedom. It’s really that easy and Justin is masterful in teaching and educating his clients to see how that can be accomplished regardless of their situation or circumstances of life. Justin lives the very Infinite Banking Principles he teaches and has learned that experience is the best teacher in life. Justin is married to his best friend Hollie - for nearly 25 years. They have three children: Emily, Jake and Ben. Emily is graduated from Westminster College in Salt Lake City and played 4 years of college volleyball. She graduated with a Bachelor of Arts in Elementary Education. Jake is attending Utah Valley University with an athletic scholarship playing baseball and Ben will be following in his brother’s footsteps. Needless to say, Justin and Hollie enjoy supporting their children in their school and sport activities and have traveled the world doing so. They enjoy hiking, vacationing to the beach and spending time together as a family. The Infinite Banking Concept is a vital part of their family and each child is actively implementing these concepts into their lives.
- How Safe is FDIC Insurance?
- How to Leave Your Family with Wealth-Not Just Money
- Practical Uses of Infinite Banking
Eric graduated from Virginia Tech with a BS in Electrical Engineering followed by a commission in the US Air Force. After serving five years active duty, he switched to the Reserves so he could pursue his entrepreneurial passion for Real Estate. He began working in the financial industry in 2006, however, with the housing industry collapsing soon after his career change, Eric decided to attend graduate school at the University of Denver, where he received a Masters in Real Estate and Finance, and an International MBA. It was during that time he discovered Infinite Banking. The IBC strategy changed his financial trajectory so much that he wanted to share the gift with others as an agent. By passing the certified financial planning exam, he’s demonstrated his commitment level to learning both traditional financial planning methods as well as the Infinite Banking way. Eric’s goal with his clients is simple-to help people keep the money they earn, and grow the money they keep.
- Warren Buffett’s Secret Weapon of Massive Profits
- Ready to Get Depressed… How Many Different Taxes Do I Pay?
- Filial Support Laws Say You’re Financially Responsible for Your Parents Long-Term Care
Since joining the Paradigm Life team, Michael has worked as an agent and as an agent advisor. He originally began working in the financial services industry in 2005. His experiences ranges from his work at one of the nation’s largest broker-dealer firms where he held his series 6, 63 and 7 securities licenses, to his work as a paralegal at a local consumer advocacy law firm. Just prior to joining Paradigm Life, Michael worked as a mortgage broker. Originally from California, Michael grew up in Portland, Oregon. He currently lives in Salt Lake City, Utah. Michael graduated from Brigham Young University with a Bachelors of Arts Degree in History and a minor in Latin American Studies. He has a passion for learning and enjoys teaching others. Michael enjoys reading good books, cooking, eating good food, tennis and learning new things. He loves traveling and has lived in Brazil several times. He loves speaking Portuguese and is grateful that the internet makes the world a relatively smaller place.
- 5 Reasons Why It’s a Good Idea for Business Owners to Own Life Insurance
- Literally Sleeping on Your Savings
- A Reason to rethink Central Banks
Nate has worked in the financial services industry since 2008. Prior to joining Paradigm Life, he built his own book of business which consisted of hundreds of clients. He advised them on their Investments, Life Insurance, Health Insurance, and Property Casualty Insurance. When asked why he would walk away from such a successful insurance business, Nate said that it was because of his passion for IBC and because of Paradigm Life’s expertise in educating clients about the Infinite Banking Concept. Over the years, Nate has not only helped clients set up IBC policies and taught them how to properly use them, but he has also applied these same principles into his own personal financial plan by using his own IBC policies. Nate’s goal while working with clients is to focus on what is important to them. He has a great ability to develop an individual strategy that fits the client’s personal financial goals through the use of the Infinite Banking Concept. The joy of Nate’s life is his family! He and his sweetheart were married in 2006, and they have 3 beautiful children: Abby, Bracken, and Paityn.
- What Percent of Your Income Goes to All Types of Tax?
- Why Tier 1 Assets Help Mitigate Risk
- A Time to be Thankful for Living Benefits
Noah is originally from Park City, Utah. He has a passion for helping others to better understand personal finances. He enjoys working with clients and showing them how to better their lives by making good financial decisions. Noah began studying personal finances in 2001. After being introduced to the “Infinite Banking Concept” in his own life, he was able to eliminate his own debts and make sound investment decisions. Noah is committed to the value of educating his clients about the benefits of whole life insurance because he has seen them work in his own life. Prior to joining Paradigm Life, Noah worked for a large cabinet manufacturing company where he held management positions and was appointed to the board-of-directors. He worked in the industry for 20 years. Noah married to his sweetheart, Holly, in 1997. They have four absolutely wonderful kids: Noah Jr., Sabrina, Logan, and Thomas. They live in Salt Lake City and together they enjoy water sports, winter sports and most other outdoor activities.
- The True Value of a Death Benefit
- So you want to be the Boss? – Part I
- Final Summer Webinar: Family Banking
Ryan first came to Paradigm Life as a client. This gives him a unique perspective on the education process, as he went through it himself. Prior to joining Paradigm Life as an agent, Ryan worked for two Fortune 500 companies where he managed large teams. He earned a Bachelor of Arts in Marketing and an MBA in Finance. Realizing that his true passion is helping others to achieve their financial goals through the successful utilization of the Infinite Banking Concept, Ryan stepped away from one successful career to begin another one as an insurance agent with Paradigm Life. Regarding a successful financial plan, Ryan said: “I believe that the most important thing to developing a successful financial plan is to be able to understand your unique goals. Once we have clearly defined your goals then we can lay out a clear path and strategy that sets you on your way. This was the process that I went through when I first began the Infinite Banking Concept with Paradigm Life nearly 6 years ago. During the past six years I have used this concept to completely change my financial path.” He continued, “As you will learn, your cash value can be used for anything. I have used my policies to start businesses, acquire real estate, vacation and teach valuable lessons to my children.” Outside of Infinite Banking, Ryan is grateful, first and foremost for his family. He is married to his best friend, Bethany, and they have 3 amazing kids: Douglas, Kiana and Desmond. He loves using this concept to teach them new financial principles. He enjoys living a very active life and finding beauty in the mountains and traveling.
- So you want to be the Boss? – Part III
- So you want to be the Boss? – Part II
- Are You Truly Diversified?
After 5 years of experimenting with retirement, Sean joined Paradigm Life excited to share the best financial decision he’d ever made. His real life experience, talents and passion offer his clients valuable insight and critical clarity as they navigate their own personal economy and financial goals. A business owner and entrepreneur for over 20 years Sean understands what it takes to produce and brings a unique perspective to Life Insurance done right. As CEO and Principal of Wentworth Development for 5 years, Sean developed residential communities with a team of 12 employees and great financial partners. He transacted over 110 million in business and developed over 1200 improved and paper residential lots in 26 communities in 5 years. Sean sold his interest in Wentworth Development November 2007. Sean has been a Commercial Real Estate Broker since 1991. During his active brokerage years, prior to 2002, he transacted over 280 Million of Commercial Real Estate sales and leases and was consistently a top producing broker with NAI Utah Commercial and prior CB Richard Ellis. He served on the advisory committee of the Utah Chapter of Urban Land Institute in 1999 and 2000 and was the President of the NAI Global Land Council in 2001. Sean is a published author. In addition he has used his experience, skills and training for private consulting and coached select business owners and real estate professionals for the last several years with great success. Sean’s greatest achievement is being a husband and father of 5. When he’s not working and spending time with his family he also enjoys skiing, snow boarding, mountain biking, fly fishing, travel and adventure. A self-proclaimed adventure enthusiast passionate about life, he also believes he’s here to help others “enjoy the ride."
- Choice – The Foundation Principle of Freedom – Part 2
- Choice – The Foundation Principle of Freedom Part 1
- The Safer Cookie Jar
Jennifer specializes in assisting her clients to find a financial balance while creating their financial masterpiece - for both now and for the future. She is an entrepreneur. Prior to joining Paradigm Life, she worked in finance as a mortgage loan officer for 5 years. She also owned and operated an alarm installation and monitoring security business for over 10 years. Jennifer is the mother of three children – each with three very different personalities - and has learned how to creatively adapt to each of their needs. With that experience, she loves to find creative ways to encourage clients and colleagues as well as family and friends to look outside of the box for possible solutions to problems. She has a unique ability to teach them how they can create their goals and dreams. To Jennifer, Infinite Banking is most definitely “out of the box” thinking.
- Finding Order in Chaos
- Emotional Intelligence = Financial Freedom
- The Paid-Up Additions Rider: Adding Pizzazz To Your Policy
Spencer comes to Paradigm Life with a unique professional background. After graduating with Honors from the University of Utah with Bachelor of Arts degrees in both German and Political Science, Spencer attended the S.J. Quinney College of Law at the University of Utah, receiving his Juris Doctor. After law school, Spencer started his own law practice, focusing mainly on estate planning, tax resolution, bankruptcy, and litigation. Spencer’s practice also included business/corporate organization, contract drafting, real estate law, alternative dispute resolution, and personal injury law. Spencer still maintains a small practice in the area of estate planning. Spencer is licensed to practice before Utah State Courts and the U.S. District Court for the District of Utah. When exposed to the Infinite Banking concept, Spencer’s first reaction was disbelief. After several years as an estate planner, he had never heard of the concept and thought it sounded too good to be true. Being a fact-finder by nature, and a cynic due to his law school education, Spencer consumed as much information about the concept as he could get his hands on. After reviewing all of the information available, Spencer became convinced of the benefits of using the Paradigm approach to life insurance and decided he wanted to be a part of it. He decided to shut down his practice and join the Paradigm Life team.
- Using Pop Culture to Improve Communication
- Is Cash Value Growth in a Life Insurance Policy Tax-Free? Part II
- Is Cash Value Growth in a Life Insurance Policy Tax-Free? Part I
Justin, a registered financial consultant (IARFC), brings a wide range of financial knowledge with him to the company. Prior to joining Paradigm Life, he worked as a licensed financial advisor for a large brokerage firm. While there he held several key positions including: various trading desks and stock and option trading in brokerage accounts. He also held advisory roles with 529 college saving plans, IRAs, 401Ks, and other qualified plans. Justin completed his MBA degree at Texas A&M University and holds a BA from Brigham Young University. He has spent time and resources in small business ventures and real estate, and continues to pursue opportunities to grow investments. One aspect of business development that Justin believes in is the utilization of the Infinite Banking Concept for individual, family, or business banking. He currently resides in Salt Lake City, Utah with his wife and three little boys.
- The Benefits of Asset-Care
- Long Term Care Insurance Without Losing Your Premiums
- Top 4 Books When Investing in Cash-Rich Life Insurance
Will earned his Bachelor of Arts degree from Brigham Young University in 2005. After graduating from BYU, Will attended the University of Iowa College of Law and received his Juris Doctor in May of 2008. Will began practicing law with the law firm of VanCott, Bagley, Cornwall & McCarthy – the oldest and one of the most well-respected law firms in the State of Utah. Will’s practice focused primarily on consumer finance-related litigation, consumer finance transactions, sale and purchase agreements, NDA’s, RFP’s, teaming agreements, security agreements, creditor’s rights in bankruptcy, and estate planning. Working directly with clients to analyze a problem, develop a solution, and working to ensure a successful resolution are what Will enjoyed most about being an attorney. Will comes to Paradigm after nearly six years in the private practice of law. After his exposure to the Infinite Banking concept and seeing that his legal training would be directly relevant to his role at Paradigm, Will made the decision to leave his practice. Paradigm allows Will to continue to do what he enjoys most – develop client relationships, dissect problems, create solutions and work collaboratively with the client towards a successful resolution.
- The Tax Man Cometh… But Not The Wealth
- Infinite Banking Radio: How You and the Economy are Effected by Monetary Policy and the Federal Reserve
- Changes in the Average American’s Retirement Plan
Bill brought a unique set of skills with him when he joined Paradigm Life. Before joining the agent team here, Bill had worked in the auto sales and finance world for the previous 5 years. Prior to that he had worked in politics – working in the past several Governor’s Offices for the State of Utah. Bill has the ability to connect very well and very quickly with people. He is able to simplify a complex topic and show how it relates not only to of his client’s personal financial plan but also to their everyday life. Bill believes in what he teaches his clients - it was his personal use of the Infinite Banking Concept that gave him the desire to share these principles with others. Bill is originally from Salt Lake City, Utah. It was while studying at the University of Utah, where he would later graduate with a Bachelors of Arts Degree in Political Science, that he met his wife Jenny. They have two children, a boy and a girl. Away from work, Bill is an avid outdoorsman. He hunts and fishes regularly and enjoys backpacking in Utah’s vast wilderness. Bill loves being outside. He enjoys golf and loves to spend time with his family.
With a Bachelor’s Degree in hand from Brigham Young University, Eric decided to forgo a traditional corporate work experience and become an entrepreneur, and for the past 20 years he has started and grown multiple thriving business. In addition to his 20 years as an independent businessman, nine of those years were spent specializing in the financial services industry. Eric is a published author and attributes most of his entrepreneurial success to his keen understanding of good money and banking principles. Because of that knowledge, he quickly recognized the immense financial value of the Infinite Banking Concept through permanent life insurance. As an agent, Eric takes pride in helping his clients understand difficult banking theories that can be implemented for everyday use. His number one goal for his client’s - is to increase their certainty of financial freedom by professional or personal use of privatized banking. Eric is a husband and father of five wonderful kids, though he loves his financial business pursuits, his time spent with family brings him the most joy.
Trever first learned about Infinite Banking in 2008 and shortly thereafter became a client of Paradigm Life. Since then, he has used the concept to benefit his personal financial situation. Trever earned his Bachelor’s degree from Brigham Young University and as a native of Reno, Nevada attended University of Nevada, Las Vegas, where he received his Doctorate of Dental Medicine and a Masters of Business Administration. He lived in Houston, Texas for six years and was part of a successful dental practice in the Texas Medical Center. Trever has a passion for teaching others about sound financial principles and decided to join Paradigm Life as an agent. “The living benefits of life insurance have been a great blessing in my life. My hope is to help others achieve their goals by implementing these same concepts.” Trever enjoys spending time with his family, reading, fishing, golfing and attending performing arts events.
Braden began his professional career as a civil engineer designing and building bridges throughout the Greater Northwest Region. This involved everything from modeling, budgeting, scheduling, and building the several elements of a multi-year plan. His drive to expand his abilities carried him through a Bachelor’s Degree at Washington State University and his Master of Science Degree in Engineering from the University of Alaska, Fairbanks. Braden discovered that his talent and interests went beyond engineering. He began to have personal conversations with colleagues which grew into him mentoring them and creating personal financial systems for them. Braden decided to follow this passion to Paradigm Life where he began to work with clients on a full-time basis. He invests regularly in real estate and has been involved in residential, single-family and multi-family properties. He is also involved in commercial, construction and large-scale land development projects. Braden likes to “take the box apart” in true engineering fashion - to analyze it and rebuild it even better. His personal implementation of the Infinite Banking Concept, coupled with his experience in engineering, has enabled him to provide unique insight into structuring better personal financial systems now that last for generations. Braden and his lovely wife, Lucy, have three high-energy children that stay up with Alaska’s midnight sun! He enjoys teaching them the value of working smart - like using a large net or fish wheel (unique to Alaska residents) to harvest fish. This makes sport fishing that much more enjoyable, when you can target the BIG ones because your freezer is already full of fish! Likewise, Infinite Banking is making use of the right tools for your cash-flow system. Braden looks forward to showing you how to create that for yourself – freeing up your time so that you can target and develop your passions.
Barry has been involved in the financial and investment industry for over 14 years and helped build a multi-million dollar real estate empire. This real estate and financial planning experience has enabled him to assist his clients in many aspects of their financial lives – especially by providing them with certainty, clarity and peace of mind. Barry specializes in wealth and protection strategies, Infinite Banking, and “big picture” planning, that assists his clients to increase their personal and business wealth, increase benefits, lower risk, and optimize assets. Barry is great with people and responsive to their needs. He feels that there is nothing more important than relationships. Barry has great leadership skills, ideas, and a driving desire to succeed - never settling for mediocrity. He is very detail-oriented and is a forward-thinker. These abilities allow him to bring a tremendous amount of efficiency and productivity into his life and into the lives of his clients. Barry and Mindy, his wife of over 19 years, have resided in St. George, Utah since 2009, and are the proud parents of 5 children. Barry enjoys playing the guitar, mountain and road biking, playing golf and spending time with his family.
- Paying Less Taxes during Retirement
- Reshape Your Retirement
- Being A Cut Above the Rest with Infinite Banking
Anthony J. Faso has been a practicing CPA for 16 years. After working for the accounting firm PricewaterhouseCoopers and owning his own firm, Anthony now focuses his practice on teaching his clients the truth about how money works and how they can create a process to use the “living” benefits of dividend paying whole life insurance, more specifically how to use the Infinite Banking Concept. Anthony was born and raised in Las Vegas, NV. After serving in the Army, he graduated with a degree in accounting from UNLV. He enjoys spending his time with his wife and two kids, working out and playing soccer. He follows the NFL and is a big Pittsburg Steelers fan.
Gary has been practicing the Infinite Banking Concept (IBC) for 3 years. He was originally introduced to the concept as a client of Paradigm Life. Gary grew up on a dairy farm in Murphysboro, Illinois, quickly learning to appreciate the importance of hard work, high standards and integrity. He has applied these lessons to a 24 year career in the US Navy, graduating from the Naval Academy with a Mechanical Engineering degree in 1991 and from the University of Illinois, Urbana-Champaign with a Nuclear Engineering Masters in 1993. Gary was selected for the nuclear submarine program and has served as a Naval officer on 4 ships and in numerous shore assignments, promoting to the rank of Captain in 2013. He commanded the USS TUCSON (SSN 770), a Los Angeles class nuclear attack submarine from 2009-2011 where he had the pleasure of seeing his crew of 140 Sailors earn the 2010 Battle Efficiency “E” award and a rare Navy Unit Commendation. Gary is an avid real estate investor and has always been passionate about personal financial management. After repeatedly experiencing first-hand the tremendous benefits of IBC, he recognized it was time to help others find and employ this system. His mission is to improve the financial lives of as many people as he can by helping them further their financial education and tailor their personal financial life with an extraordinary program for wealth preservation and growth. Gary and his wife, Susan, live on the New Jersey coast with their two sons, Jake and Ryan.
For over 12 years, Mr. Kindred has been helping individuals and small business owners apply the power of economist R. Nelson Nash’s Infinite Banking Concepts. He believes this is the most powerful financial concept available to Americans today. Kindred is a former management and human resource consultant whose work as a Personnel Manager for one of the largest public utilities in the nation provided intimate, up-close and personal experience in retirement planning during the first downsizing in the company’s ninety-year history. He has extensive experience in tax-exempt business and education environments, and served as a Loaned Executive for several community development organizations. His experience with tax-exempt environments motivated him to learn more about tax strategies for small businesses and individuals. Kindred is also a former educator experienced in bilingual and vocational education who has been active in small business creation and development. He has built his financial practice around tax-advantaged asset recovery, development and recapturing strategies. Kindred advocates ‘self-directed financial services’ that put clients in control of their own personal economic engines. By learning how to manage Cash Flow as Bankers do, the creation, protection and growth of our personal, family and business wealth becomes automatic… by simply owning and operating your own “bank”. Specifically Kindred believes that we will either control the flow of our money by owning and operating our own banking systems or… we will be the customer and therefore dependant on someone else’s bank. If we get the banking equation right, everything else follows. If we are unaware of the role of banking in our lives, or mis-handle the banking components, especially in our businesses and our investments, the headwinds created by those decisions take more of our time and assets than we realize and in some cases become almost insurmountable. Because of the prevalence of the popular media continually bombarded us with messages from financial institutions promoting the benefits of their products, we have lost sight of what are assets and what are liabilities, and take away our focus and understanding of our most valuable asset and our financial strength—the wealth that flows through us. By understanding the banking process, it is possible to create the kind of wealth that financial and banking institutions create through virtual risk-free management and control—of our personal and business cash flows. I look forward to working with those who are serious about unlocking the financial potential you already have but may not have yet discovered, and we welcome your inquiry into the fascinating world of Personal Banking and Cash Flow Planning.
Since entering the financial services industry in 1976, Joe Pantozzi has been committed to providing the highest quality service and sound advice based on thorough and timely research. He holds the designations of Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC). Joe combines professional dedication and commitment to offer creative financial strategies in the context of professional, personal, caring, concern and extreme customer experience. As President of Alpha & Omega Financial Services, Inc. Joe is a seasoned professional who demonstrates an understanding of the needs of closely held businesses, professional firms and executives. He focuses on investment planning, life insurance and estate planning in conjunction with his clients' other professional advisors. Joe believes that his clients deserve his commitment to continued education, proper credentials, and financial products that fit your needs. "Service toward an existing client is much more important than marketing to new clients." Joe does not offer a cookie cutter approach or one size fits all products. Joe designs the products and services based upon a detailed analysis of your present and future needs. Joe holds an extensive background in the financial, estate and retirement planning fields have allowed him to conduct media interviews and seminars focusing on disability protection and investment planning. He is involved in various professional organizations including Financial Service Professionals. Trust and understanding service have earned Joe the respect and admiration of his clients, as evidenced by his receipt of honors including the National Quality Award and life membership in the Million Dollar Round Table. Membership in MDRT is recognized internationally as the standard of excellence in life insurance sales and service. Active in the community, Joe is a member of Paradise Church. Joe supports ministries in countries as diverse as Russia, Korea, Africa and Israel. He resides in Las Vegas, Nevada, with his wife, Evangela.
For the past 13 years, Kraig has served successful people throughout the United States in a similar way that a CFO performs his/her duties for a company. His focus is to coordinate and integrate all of the ‘personal economy’ risk management and financial decisions using a holistic approach. His goal is to work together with each of his clients to assist them to increase their time, freedom, joy and happiness while reducing their stress, worry and anxiety. During his time spent in the financial services industry, Kraig has worked hard to obtain a number of designations which have increased his ability to adequately service his client’s needs. Some of these designations include: • Certified Financial Planner Practitioner® • Chartered Financial Consultant® • Securities License Series 7 • Securities License Series 66 (Investment Advisor Representative). Over time, Kraig’s efforts for his clients have been recognized by the industry. Some of these notable accomplishments include: • 2012 Agency Advisor of The Year • 2012 Chairman's Council Award • 2011 Success Summit main platform speaker • 2010 Chairman’s Council Award • 2009 Leadership Club Council • 2008 Agency Advisor of The Year • 2008 Chairman’s Council Award • 2007 Presidents Council Award.
• Financial Services Industry since 1999 • Started formally studying Infinite Banking Concepts in 2000 • Has been utilizing IBC personally and with clients since 2000 • Works best with business professionals, business owners and entrepreneurs Michael G. Isom, began selling mobile phones while going to college in 1993. Due to his natural ability in sales he was earning over $250,000 a year at the age of 22. By doing so he was quickly exposed to many things financial in his life; 401k’s, term life insurance, CDs, money markets, IRA’s, stocks, bonds, mutual funds, VUL’s, and real estate. This exposure and many other experiences led him to find his passion in life in 1999, which is: what is true about money, what is not, and why. Michael is a Principal/Owner of Optic Financial, specializing in Wealth & Protection strategies, assisting clients in the Infinite Banking Concepts. He has formally studied macro-economics in finance since 1999 and specifically the Infinite Banking Concepts. He has assisted hundreds of clients with this knowledge in utilizing permanent life insurance in coordination with all other money decisions, which allows clients to hold on to significantly more of the money that passes through their hands. Michael has been married since December of 1993 to his best friend Wendy and is the father of two very talented kids, Kennedy and Kadin. Michael enjoys fitness training at a high level, most things with a motor in it, and spending time traveling the world with Wendy, Kennedy and Kadin
Wade was raised on a farm in North Dakota where he understood the benefits of long term planning, safety of assets, and hard work. Wade received Bachelors of Arts degrees in Economics and Mathematics from Jamestown College and has continued his education ever since. Wade has been in the financial services business for over 25 years. He has learned that there is more money to be made by avoiding losses then by trying to increase a rate of return. Wade is actively using the privatized banking processes, through the use of cash values of his Life Insurance policies, in his personal and professional life. He learned of the Infinite Banking Concept over 10 years ago after meeting personally with Nelson Nash. Wade has a passion for teaching people how to create a safe, liquid, and predictable pool of money that allows them to experience the true freedom of financing without the bank. Wade still resides in North Dakota, with his wife Lynette and their 8 year old son Joshua, where they enjoy spending time outdoors.
Eric has been in the financial industry for 14 years, serving business owners, professionals and other successful individuals. Having successfully taken over his father’s practice of 32 years, Eric learned many valuable lessons along the way. One of them is that learning never stops. Eric knows that there is always room to grow. He is always looking to improve his ability to educate and serve his clients. When asked about this, he said, “Whether you are fresh out of college and starting in the corporate world, or you are an established professional or business owner, I can assist you in achieving financial success and independence with ‘out of the box’ solutions.” Eric currently lives in the Ottawa area and services clients all across Canada.
Brent was introduced to the importance and versatility of permanent life insurance at a young age. After graduating from Illinois State University with a degree in Finance & Economics, he decided to follow in the footsteps of his grandfather and father and become a third-generation life insurance agent. When Brent was introduced to the Infinite Banking Concept, he instantly knew this should be the foundation to anyone’s financial plan. He prides himself on the ability to teach complex financial ideas in a way that are easily understood and applicable to any client’s goals and circumstances. Brent met his bride, Alison, at Illinois State where they were both part of the athletics program. They currently reside in Carmel, Indiana where they enjoy living a social lifestyle with family, friends, and their rescued dog, Wilkins. Brent looks forward to starting a family and instilling in them the principles and importance of infinite banking.
Bryan began his career teaching health and sports medicine, and worked as the Head Athletic Trainer for both Large High School and Division 2 Collegiate Athletic Teams for 10 years. After being introduced to permanent life insurance and the Infinite Banking Concept in 2006, it changed his life forever. He implemented Infinite Banking for himself, leveraging the strategy into debt-refinancing and real estate investments, which from there, decided to take his passion for teaching into the financial planning industry to become an agent. Bryan recognizes the need to spend time with his clients, specifically helping to transition them from their working years into their retirement years. Helping his clients handle their financial challenges successfully has sparked a desire to teach and educate future clients to build better and more flexible retirement plans. “I love what I do and I love working with my clients. Teaching them to utilize permanent life insurance to further their financial opportunities is extremely rewarding!”
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Christian brings a broad-base of knowledge and experience to Paradigm Life. In addition to his work with clients implementing the Infinite Banking Concept, he has routinely advised them in retirement planning, with a particular emphasis on income planning. He also advises his clients on investments, insurance, and holistic financial planning. Christian has placed particular importance on learning how money works, so he can teach his clients sound economic principles as he advises them in their particular financial needs. He spent the last five years of his career in management as Associate Partner and Vice President for Penn Mutual and Guardian Life, and is a registered representative and investment advisor representative. Christian currently holds the designations of Accredited Asset Management SpecialistSM and Accredited Wealth Management AdvisorSM. Christian is married and has two children, and is an avid sports fan.