Recapture Every Dollar You Send to Banks

Build your family’s wealth with money that’s already leaving your pocket

Over 900 Happy Clients ★★★★★

IBC financial advisors

Does this sound familiar?

• Unstable financial Markets
• Not sure where to infest your retirement money
• Sick of paying fees on top of fees
• Have you tried regular investment.
• Not sure how to defer your tax obligation
• Want to pass on generational wealth and minimize taxes

ibc financial advisor experts

Meet Jose Salloum


Jose Salloum is renowned across Canada as a leading mentor of Infinite Banking. He empowering Canadians to master their financial destinies. His dedication to the Infinite Banking Concept (IBC) reshapes the financial landscapes of many, notably spreading its adoption throughout the country.

IBC Financial Services

We offer a comprehensive suite of innovative  financial strategies designed to empower Canadians to take control of their wealth and achieve true financial autonomy.

1. Infinite Banking

Discover the power of the Infinite Banking Concept®, a transformative approach that enables individuals and businesses to manage their finances like a bank. Our expertise guides you to effectively use whole life insurance policies as financial tools.

2. Life Insurance

Secure your future with tailored life insurance solutions. Our strategic approach of Becoming your own Banker extends beyond protection, integrating the Infinite Banking philosophy to empower personal and business financial autonomy.

3. Investment Strategies

Explore a suite of sophisticated investment strategies tailored for Canadians. From RRSPs to TFSAs, and GICs, our bespoke financial planning aligns with your long-term wealth aspiration.

The Benefits of Becoming Your Own Banker

Tax-Free Growth

Enjoy significant tax advantages with growth that accumulates tax-free and can be accessed without tax penalties, unlike traditional retirement accounts.

Financial Security

Create a secure financial foundation that’s protected from market volatility, providing stability and predictable growth regardless of economic conditions.

Generational Wealth

Build and transfer wealth to future generations efficiently, minimizing tax implications and creating a lasting financial legacy for your family.

Our Simple 3-Step Process

1

Schedule a Consultation

Book a personal consultation with Jose Salloum to discuss your financial goals and learn how the Infinite Banking Concept can help you achieve them.

2

Customize Your Strategy

We’ll create a personalized Infinite Banking strategy tailored to your unique financial situation, goals, and timeline.

3

Implement & Build Wealth

Begin implementing your strategy with our guidance, becoming your own banker and watching your wealth grow tax-advantaged over time.

IBC Financial Seminars Led by The IBC Expert, Jose Salloum

What Our Clients Say

MT

★★★★★
Financial Freedom at Last

“Working with Jose and the IBC Financial team has completely transformed my financial future. I’ve saved thousands in interest payments and finally have control over my money. The step-by-step guidance made it easy to understand and implement.”

Michael S

★★★★★

Built Generational Wealth

“IBC Financial helped me establish a legacy for my children while maximizing my retirement income. The tax advantages alone have saved me over $50,000.”

SL

Sofia G

★★★★★

Market-Proof Investment

“After losing money in the market crashes, I needed something stable. The Infinite Banking strategy gave me predictable growth without the stress of market volatility.”

RC

Kaleb R

 

★★★★★

Complete Financial Control

“Banking on myself has allowed me to finance my own purchases, saving thousands in interest payments while growing my wealth simultaneously.”

JW

Vincent G



 

Why Choose Our IBC Strategy? 

 

Features Our Banking Strategy Conventional Banking Strategy
Tax-Free Growth
Predictable Returns
Access to Your Money
Pay Interest to Yourself
Protection from Market Volatility
Death Benefit
 

Frequently Asked Questions

How much money do I need to get started with Infinite Banking?

How is this different from just buying regular life insurance?

How long does it take to see results with this strategy?

Will this work if I have existing debt?

How do I access my money when I need it?

Is this strategy only for wealthy individuals?

Resources for you to learn more about IBC Financial

Private family bank

Private family bank: What is it, How it works, Benefits, Risks, Generational WealthA private family

What are Policy loans?

Policy loans: Meaning, Taxes, Repayment, Borrowing with infinite bankingLife insurance policy loans represent one of the most versatile and accessible financial tools available to policyholders

What are the Taxes on death benefits?

Taxes on death benefits: Canada, Claims, How much, Life insurance, SurvivorWhen someone dies in Canada, different tax rules apply to money paid out as death

What are Life annuities?

Life annuity – What is it, How does it work, Types, Benefits, Disadvantages, Good idea, Cash in Life annuities are key to retirement planning for

What is Estate Planning?

Estate Planning: What is it, How does it work, Importance, CostsEstate planning is a critical process that extends far beyond creating a simple will. This

Velocity banking

Velocity banking: What is it, Does it work, Is it legit, Canada, ExpertsVelocity Banking is a financial strategy for accelerated mortgage payoff using HELOCs. This

Is Life Insurance Taxable In Canada

Is Life Insurance Taxable In Canada?Life insurance proceeds are not taxable in Canada. Death benefits from life insurance policies given to named beneficiaries are received

Insured retirement plan

Insured Retirement Plan: Meaning, Process, Types, Pros, Cons, Costs, Tax Advantages in CanadaInsured Retirement Plans pair permanent life insurance with retirement planning to create tax-advantaged

What is indexed universal life insurance

What is indexed universal life insurance (IUL)?Indexed universal life insurance (IUL) is your permanent life insurance policy. Indexed universal life insurance policies combine the cash

What is a Contingent Beneficiary?

What is a Contingent Beneficiary?A contingent beneficiary is a person designated to receive benefits if the primary beneficiary cannot claim them. Contingent beneficiary is designated and

Corporate-Owned Life Insurance (COLI)

Corporate-Owned Life Insurance (COLI): Process, Types, Benefits, AdvantagesCorporate-Owned Life Insurance or COLI, is a type of life insurance policy a business buys on its employees.

What is the Succession planning process

What is the Succession planning process?The Succession planning process aims to help you smoothly pass on the leadership key positions. Also, the succession planning process

Why is Personal Finance Important

Why is Personal Finance Important?Personal finance is important because it contributes to people achieving financial security and long-term wealth. Personal finance is highly crucial, especially

Money multiplier

Money multiplier – Meaning, How does it work, Process, Calculation, Formula, Reverse ratio, LimitationsThe money multiplier is the ratio of the money supply to the

Dividend paying life insurance

Dividend paying life insurance: Meaning, How does it work, Benefits, Cons, Premiums Dividend-paying life insurance is a particular class of financial instruments that combines the

Ready to Save $200,000 and Control Your Financial Future?

Take the first step toward financial freedom today. Schedule your free 30-minute IBC
discovery meeting with Jose Salloum and learn how the Infinite Banking Concept can
transform your financial future.

Join over 300 satisfied clients who’ve taken control of their financial destiny