The Paradigm Family

Meet the Team



Paradigm Life's mission is changing the way you look at life and wealth. Our mission began in 2007 but was fortified during the 2008-2009 Great Recession when we discovered first hand the value of our principles and our strategies. The failure of traditional financial planning methodology was exposed in more ways than one. This discovery was the result of meeting and subsequently helping thousands of individuals and businesses learn about sound wealth strategies and how to ensure that such an occurence didn't happen again. Paradigm Life is a fully developed virtual business which allows our team the opportunity to connect with clients in all 50 states, Canada and US Territories.

The Paradigm Life team consists of committed professionals who strive each day to enrich the lives of those we come in contact with by educating them on sound financial principles.

The Paradigm Life headquarters are located in downtown Salt Lake City, Utah.



  • Barry Brooksby Barry Brooksby Wealth Strategist
    Barry has been involved in the financial and investment industry for over 15 years and helped build a multi-million dollar real estate empire. This real estate and financial advising 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, income optimization, and "big picture" planning. He assists clients to increase their personal and business wealth, increase income, 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 brings his leadership skills, ideas, and a drive to Paradigm Life and his client's financial lives. Those that work with Barry will appreciate his attention to detail and his ability to educate them on key concepts and ideas to generate more wealth and income, and to leave a greater legacy to heirs. Barry and his wife Mindy, of over 21 years, have resided in St. George, Utah since 2009, and are the proud parents of 5 children. Barry enjoys playing the guitar, mountain biking, and spending time with his family.
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  • Bill Fagergren Bill Fagergren Wealth Strategist
    Bill takes great joy in meeting new people and finding out what their interests are. Managing these relationships have been some of the most rewarding times of his life. Bill and his wife Jenny have just recently added to their family. They have a Junior High age daughter, and an elementary school aged son and have just recently added another baby boy to the mix. Besides being busy with his family Bill enjoying skiing during the winter and fishing and camping in the summer. Some of the most valuable experiences that Bill has had have come through communion with the outdoors. Bill and his family come from a religious background as well. From the age of 19-21 Bill served a proselytizing mission the Philippines where he gained many friends as well as a deep affection for the United States and all that it provides. Bill has a background in the auto finance world as well the world of politics. For several years he helped run state legislative races and fundraise for various political candidates. Bill believes in the infinite Banking concept and practices the principles that he teaches to his clients. He believes that by setting up a financial system for ourselves we can have a clear path to financial freedom and have greater flexibility within our own households and investment portfolios.
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  • Brad Gibb Brad Gibb Wealth Strategist
    In my search for financial independence I have left many "safe" and "secure" jobs. Each time, my family, friends and colleagues told me I was crazy. To be honest, at times I also doubted myself and my dream of financial independence and wondered too if I really was crazy. I first began to realize that my path to financial independence would be different than most when I turned down an internship offer from one of the largest accounting firms in the world during my sophomore year of college. Then, in 2008 when the economy was imploding, I chose to graduate from one of the top five accounting programs in the U.S. without a job, instead of pursuing offers to enter a PhD. I finally landed a job with Goldman Sachs, but I left after four months when Lehman Brothers collapsed next door and I watched hundreds leave the building holding cardboard boxes; that was the day I realized there was no such thing as a "secure" job. So I decided to start my own company instead of look for another job. After starting a financial consulting firm with my brother, something still felt off: I couldn't get fired but I didn't have the freedom I was looking for. I owned the company, but didn't own my time. Leaving the consulting practice I founded with my brother was one of the hardest decisions I have ever made. Clearly, my path to financial independence was not the one my college education had directed me toward. It was not the path mainstream financial planners taught. I decided to take control of my financial future. As I was discovering what my path to financial independence would look like, I was also teaching and coaching individuals and business owners about money and investing. Every day, I saw intelligent, successful people struggle with finding a way to the same independence I'd been searching for. I realized that the solution would never be found in the latest Wall Street-created financial product. People need a plan, a personalized plan, outlining the steps it would take to reach their goal to be free. It could not be based in the latest flashy financial product or follow the latest market trend. It needs to be based on time tested principles of wealth creation. This is what I now where dedicate my time. I help mentor individuals to build a personal freedom plan. Financial independence is not a large bank account, brokerage account, or retirement account with 7 figures in it. In fact, it has nothing to do with your net worth. Financial independence is all about cash flow. It's about having complete freedom of time allowing you to wake up every day and pursue your dream, to work on what drives you, all without money being the prime motivation. It allows you to spend time with the people you want, where you want, when you want. Financial independence is available for anyone who is willing to think differently and apply themselves. To those seeking, I say: I know how you feel. Say no to the crowd and give up on being a sheep or a hamster on a wheel. I'm excited to help you find your path to wealth and financial independence! Designations
    • Degree: Bachelor of Science, Accounting
    • Degree: Master of Accountancy
    • Designation: IARFC
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  • Braden Galloway Braden Galloway Wealth Strategist
    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 working 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 agriculture, 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 Perpetual Wealth System 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 four 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, Perpetual Wealth System 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.
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  • Brent Gritton Brent Gritton Wealth Strategist
    After graduating from Illinois State University with a degree in Finance & Economics, Brent decided to follow in the footsteps of his Grandfather and Father and become a third-generation in the Financial Services Industry. 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 was very humbled when he was recently highlighted in a "30 under 30" piece written by a publication in the Insurance Industry (click here).Brent met his bride, Alison, at Illinois State where they were both part of the athletics program. Instead of playing football and swimming they now enjoy staying active through Orange Theory Fitness. They currently reside in Carmel, Indiana where they enjoy living a social lifestyle with family, friends, and have a passion for rescue dog programs. Louie, their rescued pit bull has helped them give this affectionate breed a voice against their bad wrap. Brent looks forward to Sunday dinners with his Family (even during football season!) and spending time in South Carolina at the lake with Alison's Family. Brent and Alison look forward to growing their family in the future!
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  • Bryan McCloskey Bryan McCloskey Wealth Strategist
    Ever since I opened my first whole life insurance policy at the age of 31 (I have 4 policies now), I've become passionate about helping others understand and embrace the concepts we teach here at Paradigm Life. This passion comes from the very fact that together, this system matched with this specific product works! The ideas of being my own bank, safely and securely growing my wealth over time, using a dependable/proven strategy, maintaining control of my capital, and making my hard earned money work even harder for me are all very powerful. They captured my attention immediately and have since changed my life forever! I value education. I have a background in education. I have pursued advanced designations in my field and I am a voracious reader on a variety of topics. Check out just a few of my book recommendations below. I have an innate driving curiosity (I consider it a good trait)...and a burning desire to practice what I preach and perpetually raise my game in order to help others! You won't hear the stuff that I've learned coming out of the mouth of a typical Wall Street trained advisor. I've learned that in order to succeed, you need to challenge common beliefs. I would encourage you (Yes You!) to work to truly understand how money moves through and plays a role in your life. Improve your knowledge and decision making instead of just blindly following the mass messages that we are bombarded with day after day, year after year. You're here for a reason. Something drew you to us, just like it drew me onto this path a decade ago. Continue on that path. Open your eyes. I welcome and invite you to learn more. Use the form below to gain access to all of our resources and let's plan on talking so you can shorten your learning curve and speed up your success!
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  • Chad Hanson Chad Hanson CLTC, Wealth Strategist
    Chad is a Registered Investment Advisor, Stock Broker, Retirement Planning Counselor, Estate Planning Counselor, Executive Benefits Specialist, Business Owner, and Insurance Agent. He graduated from the University of Utah in May 2001, earning double Bachelor of Science Degrees in Finance and Business Management, with a minor in Spanish. After graduation he began his full-time career in Financial Services.Within a very short time, he mastered the Lifetime Economic Acceleration Process, studied Macro-economic wealth management, became a Stock Broker and Registered Investment Advisor, and earned his Certification in Long-Term Care (CLTC). He worked for two Fortune 500 Financial Services companies and represented dozens of others before being introduced to Paradigm Life in the Fall of 2015 - and joined the team!Over the past 16 years, aside from building a successful financial services practice of his own, he has mentored nearly 100 other Financial Advisors. He has learned the true economic principles as proven in the Truth Concepts software and training - which he now shares with his clients. He has worked with thousands of individuals and business owners and loves his job! His clients are all over the country. He is currently licensed in 35 States.Chad is currently researching and writing a book about the financial concepts and strategies employed by Billionaires, Banks, and Corporations to protect and grow their wealth, and to educate the average investor on how they can profit from implementing these same ideas. Chad is known not only for his accomplishments, but for his happy nature and abundance mentality. He is happily married and has four children. If he isn't working, he is probably out enjoying nature with his family.
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  • Christian Allen Christian Allen AAMS, AWMA
    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 the Salt Lake City agency offices of 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.
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  • Eric McGuire Eric McGuire Wealth Strategist
    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 seven wonderful kids, though he loves his financial business pursuits, his time spent with family brings him the most joy.
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  • Eric Patterson Eric Patterson CFP, Wealth Strategist
    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, 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 everyday people keep the money they earn, grow the money they keep, and leave a lasting legacy in the process.
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  • Gary Pinkerton Gary Pinkerton Wealth Strategist
    Gary has been practicing The Perpetual Wealth Strategy in his own life since 2011, originally learning about it as a client of Paradigm Life. He grew up on a dairy farm in Murphysboro, Illinois, quickly learning to appreciate the importance of hard work, high standards and integrity. He applied these lessons to a 25 year career in the US Navy's Nuclear Submarine program after graduating from the Naval Academy in 1991 and the University of Illinois graduate engineering program in 1993. Gary 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. His mission is to improve the lives of as many people as he can by helping them further their financial education and elevate their financial life with an extraordinary program for wealth preservation and growth. Gary and his wife, Sue, live on the New Jersey coast with their two sons, Jake and Ryan.
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  • Jennie Steed Jennie Steed Wealth Strategist
    I believe that people are capable of incredible things, if they have the proper systems and support they need. Every great vision is achieved one step at a time. I love being there every step of the way. I am at my best when I get to teach the principals of financial freedom and accountability as well as provide the support needed to help my clients achieve their goals. This is who I am. 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, the "Perpetual Wealth Strategy" is most definitely "out of the box" thinking.
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  • John Stewart John Stewart Wealth Strategist
    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 how to build their wealth using the fundamental principles of liquidity, control, safety, and thereby writing their own financial outcome. 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.
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  • Justin Atkinson Justin Atkinson Wealth Strategist
    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.
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  • Justin Martin Justin Martin Wealth Strategist
    Justin, a board member with the Master Registered Financial Consultants, brings a wide range of financial knowledge with him to Paradigm Life. Prior to joining the company, he worked as a licensed financial advisor for a large brokerage firm. While there he held several key positions including: various trading desks, stock and option trading in brokerage accounts, and advisor positions for retirement income planning. 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 Perpetual Wealth Strategy for individual, family, and business banking. He currently resides in Salt Lake City, Utah with his wife and three little boys.
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  • Michael Bonny Michael Bonny Wealth Strategist
    Michael brings a wealth of knowledge to Paradigm Life. He began his career in the financial services industry in 2004 as a paralegal at a consumer advocacy law firm that specializes in credit restoration. From there, Michael began work at one of the nation's largest broker-dealer firms where he held the series 6, 63 and 7 securities licenses. Transitioning out of traditional financial planning, it was while working as a mortgage broker in 2009 that he was introduced to Paradigm Life and the unique education provided to its clients. Empowered by the protection and freedom that he discovered in this "new" education, Michael began as a Wealth Strategist working with clients from all over the country.Originally from Los Angeles, California, Michael grew up in Portland, Oregon. He graduated from Brigham Young University with a Bachelors of Arts Degree in History and a minor in Latin American Studies. History continues as one of his greatest interests. He has a passion for learning and enjoys teaching others. He loves traveling and has lived in Brazil several times.
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  • Nate Butler Nate Butler Wealth Strategist
    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.
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  • Noah Kelsch Noah Kelsch Wealth Strategist
    Noah grew up in Park City, Utah, and enjoyed skiing, snowmobiles and atv's. He also learned at a young age what it means to work hard, as from age 6 he assisted maintaining the 30 acres of land his family lived on and from about age 12, was in charge of the maintenance of the property. After high school, he went on to get his MCSD in computer programing and web development. At age 16 he also began working for the family business of cabinet manufacturing. Here he eventually became a manager and board member, with over 150 employees and producing 500+ cabinets per day, as well as starting several businesses himself. Noah began studying personal finances in 2001 after some financial setbacks almost cost him his home. By "Making financial decisions in a totally different way", he was able to eliminate all of his own debt and make sound investment decisions. He discovered he had "a passion for finances and assisting others in discovering freedom" and eventually left the family business to set out on his own path. When first introduced to the Infinite Banking concept, he says "It just made sense. What I was doing and showing others to do worked, but this was way easier and had huge additional benefits." He joined Paradigm Life early in 2013 and hasn't looked back. Noah married his sweetheart Holly in 1997 and they have 4 wonderful children, Noah Jr., Sabrina, Logan, and Thomas. As a family they still enjoy both winter and summer sports and spending time outdoors in general. Noah Jr. graduated high school with his associates degree and is pursuing engineering. Sabrina & Logan are on a similar track, and Thomas, although born Deaf, is mainstream school thanks to a cochlear implant. Noah & Holly incorporate the Infinite Banking strategy in two very successful businesses they own as well as in the family's finances.
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  • Patrick Donohoe Patrick Donohoe President and CEO
    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.
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  • Rich Clouse Rich Clouse Wealth Strategist
    Rich lives in New Albany, Ohio, with his wife, Dena. He began his career in insurance services for both life and property casualty in 1972. His insurance expertise has expanded to include debt and liability planning, retirement services, and overall macroeconomic planning. He focuses specifically on debt and liability planning for dentists and other business owners who benefit greatly from the ability to control and eliminate both business and personal debts as quickly as possible. Rich successfully integrates the planning process with the areas of insurance, investments, and retirement planning. Rich is a certified life underwriter and a chartered financial consultant. He has served on the advisory boards and committees of several life insurance companies, offering advice on products and improving client services. He is a registered representative and investment advisor representative with NFP Advisor Services, LLC.Rich received his bachelor of arts in 1972 from The Ohio State University, where he also served as captain of the baseball team.
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  • Rod Zabriskie Rod Zabriskie Wealth Strategist
    Rod has been in financial services since 2009. Prior to going into business for himself, he worked in marketing and finance with several small businesses. He had the opportunity to purchase an existing furniture business in 2007, just prior to the Great Recession. The experience of struggling to stay afloat amid difficult economic conditions inspires Rod every day in his efforts to educate and assist his clients in implementing sound financial strategies. He strongly advocates for establishing a firm foundation, utilizing proven strategies and financial tools to create a strong base upon which we can each build our financial house.In addition to focusing on Infinite Banking, he has expertise in retirement income planning. Rod has a bachelor's degree in Marketing Communications, and an MBA with an emphasis in Entrepreneurship. He and his wife Jodi are the proud parents of 7 wonderful children. As a family they thrive on spending time exploring nature, playing games and doing projects together. He enjoys sports, music and reading.
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  • Ryan Lee Ryan Lee Wealth Strategist
    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.
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  • Spencer Couch Spencer Couch Wealth Strategist
    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, and bankruptcy. His practice also included business/corporate organization, contract drafting, real estate law, alternative dispute resolution, litigation, 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 many living benefits of whole life insurance, 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, he 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.Spencer is married with 3 kids. He enjoys spending time with his family, playing golf, skiing and being outdoors in general. He was raised in Utah, and enjoys all of the recreational activities Utah has to offer.
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  • Wade Borth Wade Borth Wealth Strategist
    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.
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  • Will Street Will Street Wealth Strategist
    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. Originally from the Tri-Cities area of Eastern Washington, Will currently resides in Salt Lake City with his wife, Sunny, and their three children. Outside of the office, Will is an avid sports fan and is particularly passionate about the Seattle Mariners who break his heart every single season. He also loves college sports and plays golf as often as possible.
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  • Insurance Operations Insurance Operations Team
    The Insurance Operations team serves to assist Paradigm Life's group of wealth strategists. We provide administrative and sales support, while also collaborating with other departments to ensure that clients receive top customer service throughout their Paradigm Life experience.
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  • Underwriting Underwriting Team
    The underwriting process is an essential part of any insurance application. Here at Paradigm Life, our Underwriting department acts as the advocate for our clients. Designated case specialists oversee the gathering of sensitive and pertinent information, take the guesswork out of scheduling exams, guide clients through completing their applications, and get approval from our insurance carriers.We provide client and agent support to help move the process along at the quickest pace possible and push to expand the capability of carriers and vendors to provide the best possible experience to our clients and agents.
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  • Business Development Business Development Team
    Business Development is generally the first point of contact when someone reaches out to Paradigm Life. Our team takes the time to understand your current financial situation and what your long term goals are. This enables us to schedule you with an agent who can best meet your needs.We're here to help you understand how Paradigm Life can benefit you and work to ensure you get the right start on your path to financial freedom.
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  • Systems Development Systems Development Team
    The Systems Development team builds, maintains, and continually improves all of the internal and external systems that run Paradigm Life. If the website goes down, or you can't access your training or client portal - that's our fault. Good thing that rarely happens because of our top notch talent.Our team has a varied skillset that includes web, mobile, database, systems architecture, software, and application development experience. This allows us to put systems in place that streamline the entire Paradigm Life experience and cater to the specific technical needs of our clients.
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  • Sean Fleming Sean Fleming Wealth Strategist
    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."
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  • Jeff Jaramillo Jeff Jaramillo Wealth Strategist
    Jeff started his financial services practice in 1998. He spent his first 5 years teaching traditional financial planning strategies. Once he was introduced to alternative methods he spent about a year trying to disprove them and ultimately couldn't. He has since educated himself and implemented these methods on his own life and with a few thousand of his clients. His favorite part of his business is in helping clients accomplish their goals and dreams. He has helped clients get started on their planning, retire and pass on wealth to the next generation. Jeff has been married to his shotgun rider (Heather) for nearly 20 years. He has three awesome children and 220 lb. English Mastiff named Diesel. He enjoys the outdoors and camping. He loves coaching youth sports. He coaches football, lacrosse and hockey.
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