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Kyle Fuller Owner

Kyle Fuller started in life insurance in 2013, but was overcome by the power of Infinite Banking the following year and has been practicing IBC ever since. Kyle was blessed with the heart of a teacher, which prompted him to share his knowledge of Infinite Banking with people who want to harness every dollar for its maximum potential and live with ultimate financial freedom.

One thing that is certain for Kyle is the Infinite Banking Concept is not a career or business, he considers it his calling in life. The word "retirement" is something he does not believe in. This is a process that he will be educating families and business owners about until the day he graduates from this life. He is 30 years younger than the average life insurance agent, which means he will be around to help you implement this process, he will be around to see your children through this process, and he will be around for your grandchildren to start this process. Whether clients are overcoming debt, creating lasting wealth, or simply striving for financial freedom, Kyle helps people make their money work for them.

Businesses, individuals, and families who work with Kyle all learn through accessible and personalized guidance that illustrates how they can channel whole life insurance into the living benefits taught by Nelson Nash under IBC. The uninterrupted true compounding, liquidity, easy access, tax-deferred earnings, and stability that a properly designed whole life insurance policy provides makes it the perfect savings asset to building your foundation.

Kyle grew up In Mesa, AZ. He is passionate about sound principles for money stewardship. His first son had a banking policy at 3 months old, giving him the freedom that comes from never having to rely on a conventional bank for his financing needs and desires. By moving away from the commercial banking world and using specifically designed policies as a source of financing, more and more of the money stays in the family!

Kyle is the top authorized practitioner in Arizona and is ready to give business owners and families the necessary tools to carve out their new financial future today.

Harrison Rogers Owner

Harrison Rogers is a serial entrepreneur and investor who is passionate about turning ideas into lucrative ventures. Since 2012 he has launched several companies of which some rank very high on the Inc 5000 list of fastest growing companies in America. Harrison found another passion after having turned around a few distressed companies and returning them to very healthy and profitable positions. Moving forward Harrison is just as excited and passionate about investing in and helping distressed companies as he is investing in and starting new ventures.

Harrison has been voted Most Influential in Valley Business two years in a row, Arizona Republic’s 35 under 35 and Phoenix Magazine’s 40 under 40, and is an experienced business coach.

Monty Flack Co-Founder / Wealth Strategist

Monty Flack started his career as a high school Spanish teacher. He was a teacher in Holbrook, AZ for fourteen years and he was the head softball coach for ten of those years. In 2006, during his tenure at Holbrook Highschool, Monty became interested in real estate investment. He was living paycheck to paycheck on a teacher’s salary, with no solution for the financial stress that was keeping him up at night. He purchased his first property and two months later he bought another property. After eight months, he had purchased three properties with a total of 31 units. He was hooked on real estate but was also not making enough on a teacher’s salary to live and manage his properties.

In 2009, Monty was introduced to the Infinite Banking Concept (IBC) and he immediately saw the power that comes from a personal cash-flow system. He purchased his first policy shortly after and set about using IBC for his financial needs. In 2012, after learning the truth of how money works, he left the teaching profession and pulled his retirement funds to start using them in a dynamic way.

When a mentor approached Monty in 2012 to see if he wanted to become an agent and act as a wealth strategist for people that were in his exact situation, he jumped at the chance. He has been helping individuals and families alleviate their financial stress ever since.

Monty is a lifelong resident of Arizona and a servant to his community. When Monty isn’t showing people the potential they can harness with the Infinite Banking Concept, he enjoys attending fast-pitch softball games and teaching people how to play the game. He also enjoys spending time with his wife and grandkids.

Jim King Co-Founder / Wealth Strategist

Jim received his undergraduate degree from Oklahoma Baptist University in 1985. He taught and coached for two years in Colorado Springs. From 1987-1993 Jim worked in a large company, eventually leading a new phase of technology for the company that had a $10 million annual budget.

In 1993 he was asked to lead a non-profit organization called Friendship Sports International, and Jim continues to lead FSI. Currently, Jim has put together and led over 125 trips to Central America, South America, the Caribbean, and Europe.

Jim was introduced to the Infinite Banking Concept (IBC) in 2012 and began putting the system to work in his family, while also seeing how it could be put to use by people who helped financially support the non-profit. Jim has learned to use Infinite Banking policies for his charitable giving, and he loves teaching this to others as well. Jim received his national license as an agent in 2014 and currently holds licenses in 10 states. After receiving his papers as a Master Class graduate, Jim has taught IBC in eight states and enjoys showing people how they can get in control of their own money through IBC policies and strategies.

Along with his wife Jenny, Jim began a vacation rental business using his policies as leverage for OPM properties. Teaching other business owners how to use Infinite Banking for personal financing has become a passion.

Jim has been married for 34 years. He has four grown children and eight grandchildren. Jim and his wife, Jenny, live and do business in Cody, Wyoming.

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Kenneth Kratzer Wealth Strategist

Raised by missionary parents in central Africa, Ken Kratzer developed a servant's heart and an unusual global perspective that he brings to Factum Financial. Upon graduating from Rift Valley Academy in Kijabe, Kenya, Ken enrolled at Greenville University, where he earned a BA in Biology and Environmental Science. In 1998, Ken began a career as a science teacher in St. Louis, Missouri. After moving to Tucson, Ken continued to teach science. Then, as the real estate boom unfolded, he decided to leverage most of his life savings, buying multiple rental properties in the midst of the real estate frenzy. Passing rents and other income through a bank-offered home equity line of credit seemed like a sensible thing to do until Ken received a letter from Countrywide Financial informing him that his credit line had been frozen. Bleeding cash with no available line of credit, Ken saw no alternative but to walk away from the properties. Looking back on this experience, Ken realized that a properly structured IBC policy would have given him the liquidity and flexibility he needed to weather that storm. Now living in Sahuarita, Arizona and still in the classroom, Ken has become reenergized by the possibilities of Infinite Banking.

Superimposed on this financial saga is the story of Ken’s family. In 2001, Ken and his beautiful wife, Tara, began adopting children. Today, as a father of 12, he has come to learn that financial efficiency and careful planning are imperatives, and that no financial decision involving family can be made lightly. Now that the Kratzer family economy has been retrofitted with the turbocharger that is IBC, Ken seeks every opportunity to share the power of family banking with others. Occasionally, when asked how he expects to retire with 12 kids and a teacher’s pension, Ken quips, “My Children ARE my retirement plan!” Ken would be thrilled to visit with you and explain why this is so much more than a clever retort. True IBC practitioners “eat their own cooking,” and Ken is no exception. He is using the IBC concept to ensure a secure financial future, while simultaneously teaching his many children the immediate benefits of a family owned bank.

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Tarisa Poirier-Shelton Wealth Strategist

Tarisa Poirier-Shelton was born and raised in Chandler, Arizona. She has always had a passion for traveling and using resources in the most efficient way possible from an early age. As she neared college, she wanted to save money and avoid debt as much as possible. She decided that the best decision for her academic career was to pay her tuition in cash while working full time to get her Bachelor’s degree. After she graduated with a Bachelor’s Degree in Design Studies and Management from Arizona State University in 2015, she went on to teach English to kids in South Korea for more than a year. While teaching there, she was lucky enough to have a job that paid her well and paid her housing and health insurance! After saving money in college and finding a position out of college that offered her such financial freedom, she made it her mission to become as financially literate as possible by reading as many books as she could get her hands on.

In 2017, she stumbled upon the process of using life insurance as a banking system, but had only just reached the tip of the iceberg until she met Monty Flack and learned about the Infinite Banking System. She quickly realized that she had struck gold and she started banking immediately.

Now it’s Tarisa’s lifelong mission to use her IBC banking system to generate and keep wealth within her family, as well as to teach others how to do the same. Inspired by the leadership of her mentors and the power of the Infinite Banking Concept, she became licensed in 2018. It is her firm belief that the more control a person has over their finances, the easier it is to enjoy life and bring value to others. Tarisa enjoys doing just that by teaching people how to take control of their financial future and how to sleep safe and sound, knowing that their kids and the future generations to come are set for life.

Tarisa currently uses her policies to pay off debt and by the end of 2019, she will be able to use her cash-value as a downpayment for her house. In her spare time, she enjoys traveling, spending way too much time with her nose buried in books, and spending time with her family.

Ronald Madlock Wealth Strategist

Ronald was drawn to the Infinite Banking Concept (IBC) through his experience in investing and entrepreneurship. He has experience with investing in stock, stock options, real estate, eCommerce, alternative funding, and small businesses. Ronald has seen firsthand how the practice of IBC can increase rates of return, increase financial stability, and help secure the legacy and build family wealth. After experiencing the benefits for himself, Ronald decided to use his 10 years in investing to help other families achieve their future goals.

Ronald Madlock is a native of Illinois and a graduate of the Washington University School of Law. He earned his Bachelor of Science in Education from Southern Illinois University Edwardsville. Before beginning his legal journey, Ronald was a middle school teacher working with at-risk populations of students. He continues to be actively involved in mentorship, and community development through his participation in numerous community service projects.

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David Zapata Wealth Strategist

David was born and raised in Colombia, South America. After having the opportunity to immigrate to the United States in 2006, he obtained his bachelor’s degree in Mechanical Engineering from Purdue University and his master’s degree from University of Cincinnati. David has spent the last 10 years working in corporate America in the commercial and military aviation industries.

David’s life and career experiences helped him immediately understand the impact and power that the Infinite Banking Concept (IBC) offers those who want to control the process to finance their lifestyle and business. The traditional idea of waiting until retirement to manifest dreams, opportunities and experiences, becomes obsolete when one finds the power of the Infinite Banking Concept as a path to live life fully today while building a legacy.

The concept is appropriately coined as “Infinite” because it allows individuals to manifest their unique desires and lifestyle through financial freedom and control. Through Infinite Banking, David has been able to finance hobbies like travel, triathlon racing and endurance sports. He has used his banking system to recapture non-productive debt, strengthen his family’s financial statement and acquire assets to continue build his investment portfolio.

The Infinite Banking Concept is for everyone that is willing to educate themselves about the mindset, process and products required to build a private banking system. David’s ideal clients are individuals and business owners who are curious and open to learning new ideas and perspectives. They are eager to take ownership of their financial destiny and want to understand the principles of wealth stewardship to build a legacy for future generations.

David lives in Carlsbad, CA with his wife Sarah. He is a licensed life insurance professional in multiple states around the United States. David enjoys studying macroeconomic trends and financial markets, practicing endurance sports, and traveling around the world and visiting National Parks with his family.

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Freedom GonzalezWealth Strategist

I've worked as a Medical Billing Specialist for 15 years for some of the top hospitals in the city. At the start of the Pandemic is when I quickly realized no company position was safe. Financial hardships were happening all around. I then started to reevaluate my current situation.

My financial journey began in 2017 when I found the concept of Velocity Banking to get out of debt quickly. Then escalated into my IBC journey in 2019. I wanted to know how Big Banks work and how they use money. Quickly coming across Mr. Nelson Nash’s book “Becoming Your Own Banker”. I started to do research on the Infinite Banking Concept (IBC). The phrases “Private Banking”, “Paying Yourself First”, “Recapture all the Interest”, and "Tax Free” were captivating to me. I immediately started my first policy, realizing this was the best decision I ever made! I was able to pay down debt, gain more cash flow, and live a more comfortable lifestyle all by utilizing the available funds in my policy. It was Guaranteed and Risk free! I felt so strongly about this concept during the lockdown that I decided to get licensed in the industry and dedicate my time to teach other families how to break chains from debt and financial bondage, along with building generational wealth for their children.

I was born and raised in Chicago, Ill. In my spare time I love going to sports games, Art shows, traveling, and spending time with my family. I have a passion for helping the homeless and mentoring the city’s youth and teens from under-resourced communities. Providing them with different resources, and outreach programs. Giving them the opportunity to have financial stability is a blessing. I am also interested in real estate and planning to purchase investment properties in the future with my policies.

Shalaree Lamboy Wealth Strategist

Howdy, I’m Shalaree! I was born and raised in San Diego, and then I raised my own kids about a mile from the house I grew up in. I’ve been married to my high school sweetheart for 27 years, and am a proud mama of 3 (almost) adult kids. I enjoy cheering them on at dance, gymnastics, cheerleading, and water polo games. I love history and traveling (especially Europe). Anywhere in Italy is my favorite!

When a friend Introduced me to IBC and high cash value life insurance, I was a bit skeptical at first. But the more people I met who were using it & the more I learned about it, I quickly realized it was the best financial decision I’ve ever made! In fact, I just celebrated the 10-year anniversary of my first IBC policy. And I’m excited to get more.

I love high-cash life insurance. I don’t need it, but I want it. Because it makes every aspect of money work better and easier. And my kids don’t need stock piles of money to inherit, but it makes me so HAPPY to be able to create it for them while also living an abundant life now. But more importantly, the WORLD needs it, because how much more good can my family do, how much MORE good in the world can YOUR family do with money that is Growing daily, fully accessible for opportunities and investments!.

I know it’s actually life insurance, But I call this LOVE insurance.

Because I love the feeling of money growing, my family taken care of, and building for an extraordinary future! Come join me in building your prosperous financial future. I’m here for you!

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