david zapata

David Zapata is a Wealth Strategist at Factum Financial. He helps families, business owners, and real estate professionals build Tough Money habits. As co-creator of the Tough Money framework and an Authorized Infinite Banking Practitioner, David empowers clients to take control of their money with confidence and clarity.

David’s approach focuses on answering the five most important financial questions. He guides clients to determine how much to save, how much cash to hold, and how to maximize the benefits and use of their money. This method provides a clear path to reduce financial pressure and create lasting peace of mind.

With over a decade in corporate aviation and engineering degrees from Purdue University and the University of Cincinnati, David delivers clear, actionable advice tailored to each client’s unique goals.

David’s mission is to live fully and abundantly in all areas of life. He is passionate about building a community of leaders focused on growth, learning, and mutual support. He leads workshops that connect like-minded individuals dedicated to developing financial strength. For David, meaningful relationships and delivering value beyond numbers are at the heart of his work.

Outside of his professional life, David is a triathlon and endurance sports enthusiast. He lives in Mesa, AZ, with his wife Sarah and their two sons. Together, they live by these principles—building a lasting legacy of financial freedom for generations to come.