Real Change Financial
BE YOUR OWN BANKER
Unlock financial freedom with
The Infinite Banking Concept®
Discover the power of Infinite Banking for Creating Wealth and Financial Security. Protect your investment through detailed title research and dependable insurance.
REAL CHANGE FINANCIAL
BE YOUR OWN BANKER
Unlock financial freedom with
The Infinite Banking Concept®
Discover the power of Infinite Banking for Creating Wealth and Financial Security. Protect your investment through detailed title research and dependable insurance.
HOW WE HELP
Guiding You Toward Financial Freedom
WITH OVER 40 YEARS OF EXPERIENCE
At REAL CHANGE FINANCIAL, we empower individuals and families to achieve financial independence through The Infinite Banking Concept® (IBC.) Whether you are looking to grow your wealth, saving for your child's education, or planning for retirement, we are here to guide you every step of the way.
Our team of experts has the knowledge and experience to personalize a secure and flexible plan to build your financial security, and deliver you peace of mind. Our commitment is to always prioritize the best interests of our clients. Contact us today to explore the optimal approach that can pave the way for your prosperity.
HOW WE HELP
Guiding You Toward Financial Freedom
WITH OVER 40 YEARS OF EXPERIENCE
At REAL CHANGE FINANCIAL, we empower individuals and families to achieve financial independence through The Infinite Banking Concept® (IBC.) Whether you are looking to grow your wealth, saving for your child's education, or planning for retirement, we are here to guide you every step of the way.
Our team of experts has the knowledge and experience to personalize a secure and flexible plan to build your financial security, and deliver you peace of mind. Our commitment is to always prioritize the best interests of our clients. Contact us today to explore the optimal approach that can pave the way for your prosperity.
What is the infinite banking concept®?
A PARADIGM SHIFT IN FINANCIAL PLANNING
The Infinite Banking Concept® (IBC) began with the book Becoming Your Own Banker by R. Nelson Nash. Infinite Banking is a powerful financial strategy that allows you to be in charge of your wealth by offering unparalleled control, flexibility, and security. Once implemented, these strategies are designed to unlock a path to financial freedom that traditionally is overlooked, and offers solutions that adapt to your changing needs.
HOW IT WORKS
The Infinite Banking Concept® involves establishing a specially designed whole life insurance policy, using this policy as your own personal banking system, and gaining access to cash value for investments, expenses, or emergencies.
In contrast to term life insurance products, which cover only the beneficiaries of the policyholder in the event of the insured's death, whole life insurance covers an individual's entire life.
When structured properly, whole life policies generate a unique income stream utilizing truly uninterrupted compound interest.
BENEFITS
Tax advantages & dividends
Control over your money
Financial flexibility & reliability
Acumulation benefit
Guarantees for your family
Legacy planning
“Living Benefits” such as chronic nursing care or grave illness coverage
“The very first principle that must be understood is that you finance everything you buy – you either pay interest to someone else or you give up interest you could have earned otherwise.”
— Nelson Nash, Creator of The Infinite Banking Concept®
testimonialS
what our client say about us
Real experiences from clients who have taken control of their financial future
My husband and I have been genuinely impressed with the level of service we've received from Josh and Ken. They have been proactive in helping us structure and use our policy to meet the needs of our family, and highly responsive to every inquiry. Using IBC to build financial resilience for our household has been incredibly valuable to us.
Ken and Josh helped my wife and I quickly understand the IBC process, get policies started, and most importantly, have continued to help with service as we utilize our policies to become our own bankers. We highly recommend them for anyone interested in IBC!
I am immensely pleased with the help I have received from Ken and Josh. They consistently go above and beyond, offering exceptional service and expertise in every aspect of my policy. I'm truly grateful for their dedication and genuine willingness to assist me.
My wife and I really appreciated the entire process Ken and Josh put in place to help us buy our first Whole Life Insurance. They made the transition very smooth from the theory of being your own banker to its practice.
Services
Traditional Financial Services
Discover solutions built to protect your income and grow long-term wealth.
Whole Life Insurance
A whole life insurance policy is the vehicle to building life-long income replacement and sustainable wealth.
Term Insurance
When you’re getting started on your wealth-building journey, you may need temporary coverage.
Premium Financing
Create exceptionally large life insurance death benefits while paying minimal yearly premium cost.
Annuities
Annuities are a way for your wealth to last a lifetime so you can live retirement to the fullest, and without worry.
401(K) & IRA Rollover
Take control of old 401(k)s or IRA's by consolidating them into a new account with potentially better growth.
Disability Insurance
Your disability insurance replaces your family's income in the event you become injured or too sick to work.
OUR APPROACH
We meet you where you are
GO BEYOND SAVING TO HELP YOUR MONEY GROW
Being prepared looks different across all phases of life. No matter who you are or where you’re headed, we can help you find the right combination of insurance, supplemental income, and other products to create a personalized plan that adjusts to your specific financial situation.
You can’t always anticipate what the future will bring, but you can prepare for many of life's events and changes. Whether you’re just starting to think about your financial future or managing a complex business cashflow situation, we help you make a plan to protect you financially and grow your warehouse of wealth.
Grow your savings and wealth
Plan your future as you engage in married life
Protect your family financially
Prepare & diversify your retirement income
Recover financially after a divorce
Transition from military to civilian life
Engage in parallel economy to support freedom
Business owners & real estate investors
“Dishonest money dwindles away, but whoever gathers money little by little makes it grow.”
— Proverbs 13:11
WHY CHOOSE US?
PROVEN SUCCESS STORIES
At REAL CHANGE FINANCIAL, we honor our commitments and have a client-centric approach. When it comes to protecting what really matters, like your lifestyle and your future, we have a "lifetime of support" customer service policy. We’ll be there for you every step of the way as you need us. We want to make you successful in your new profession as a banker!
MEET THE ADVISORS
TRUSTED BY:
“The trait a person most needs is a lack of fear. Many people of extraordinary capabilities are held back by fear, fear of challenging others, fear of rejection, fear of being laughed at or of appearing to be naive or foolish.”
— The Lubavitcher Rebbe
Our 3-Step Process Designed For You
Copyright 2026. Real Change Financial. All rights reserved.
CORAL SPRINGS, FL 33071
The Infinite Banking Concept® Authorized Practitioner.
THE INFINITE BANKING CONCEPT® financial system and the BECOMING YOUR OWN BANKER® financial program are Registered Trademarks.
© 2024-2026 by REAL CHANGE FINANCIAL (DBA of InBizGroup, Inc.) All Rights Reserved.
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