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.



  • 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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  • 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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  • 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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  • Nick Jensen Nick Jensen Wealth Strategist
    After earning his B.S. from Weber State University and MBA from University of North Texas, Nick began a successful career in financial services, managing money for himself and countless investors. Despite his professional achievements, Nick quickly discovered Wall Street was an insider's game - and one that didn't align with his long-term goals. It was at this time he learned about and starting implementing Infinite Banking with the Perpetual Wealth Strategy at Paradigm Life. Nick quickly noticed the Perpetual Wealth Strategy combined with his personal real estate holdings were delivering stronger returns with less stress. Armed with insights and industry know-how plus his own desire to maximize his investment potential and the potential of those around him, Nick left financial services to focus solely on developing more real estate-centric opportunities. After launching his own real estate investment, development and remodeling business, Nick quickly learned to identify opportunities, manage risks and complete projects on time and on budget. Another great success, this business completed many projects across multiple states, generating millions of dollars in total revenues. Nick joined Paradigm to help individuals and families grow their wealth through financial principles that have stood the test of time. He focuses his efforts and energies on educating others to question the financial norms, think like the wealthy and act in their own best interest. When he's not working, Nick is an avid adventure seeker who enjoys traveling, mountain biking, hiking, skiing and wakeboarding. He lives in Utah with his wife and four children.
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  • Jared Lainhart Jared Lainhart Wealth Strategist
    Jared is an individual that has always found great joy in helping others achieve their happiness. Coming from a family of 10 boys and growing up on a farm in Star Valley Wyoming he learned the value of hard work and the importance of pulling your own weight. He believes that he can learn something from each conversation and enjoys finding the positive in others and their situations. This passion was realized when he graduated from Boise State University with a Bachelor of Science in Social Science with a double minor in Philosophy and Spanish. From the beginning of his career he has strived to help others achieve their financial goals with a successful career in credit card services, retail banking and financial planning. He has worked with 3 different Fortune 100 financial companies which has helped establish a solid foundation to which he enjoys sharing with his clients. Most recently he has enjoyed building his own practice and has improved the lives of hundreds of people that he currently advises. His client base covers over 15 states and he enjoys the relationships that have come from helping others. Jared is not just known for his integrity and care, but for his loyalty. Loyalty to his clients and to his family. He is happily married and has 7 kids, 3 boys and 4 girls! In his spare time, you can find him spending time with his family, helping his wife with her cake business or participating in sports.
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