About Us
Infinite Banking
Use whole life insurance to become your own banker.
Financial Freedom
Make decisions without major concern for the financial impact it will have with a system of assets and minimal liabilities.
Life Insurance
Life insurance protects the people and priorities you value most, with each type offering unique benefits for security, savings, and building a lasting legacy.
Building Legacy
Design a plan so your wealth benefits both you and those who come after you.
Client Testimonials
Hear from those who’ve been where you are now. Our clients share how we've helped them protect their families, build wealth, and create lasting change for future generations.
Keller Williams Partnership
As the exclusive financial education partner to the Keller Williams Wealth Community, we help agents and their clients grow, protect, and pass on wealth.
Resources
Free Videos
Explore our library of free videos designed to expand your financial knowledge and help you make smarter decisions around money.
Educational Courses
Our mission is to empower individuals to take ownership of their financial future, and that all starts with increasing our financial IQ through education.
Articles
Insightful articles from respected sources across the web to help you grow your financial knowledge.
Books
Trusted authors and thought leaders to help you deepen your financial understanding.
Beat the Banks Podcast
Educating Americans about increasing their savings rate and regaining control of banking functions through the prism of whole life insurance.
Powered by Factum Podcast
Only 20% of new life insurance agents survive beyond 24 months. We're changing that.
Events
Team
Keller Williams Partnership
Careers
Become an Agent
Build a business that changes lives with the training, tools, and support to succeed.
Become a Referral Partner
Earn passive income by introducing those you know and love to proven financial strategies that create lasting wealth.

Unlock Your Financial Potential to Fund Your Ideal Life

Our story

The Factum Financial team is a collection of wealth strategists, business owners, and staunch proponents of life insurance, financial literacy, and real estate investment. Using "Infinite Banking" (life insurance-friendly wealth strategies) to create maximum potential and velocity with money. We chose the name Factum because it means a statement of fact or a truth. Because we are dealing with a product that is guaranteed to grow every year, we can help our community systematically grow their wealth outside of Wall Street and commercial banks.

We believe that the current financial system is broken and we want to empower families to take back control of their finances with a time-honored financial process. We believe that the banking function is in the wrong hands and it needs to be restored back to the you and me level. We accomplish this process by using a properly designed dividend paying whole life insurance policy that we get from a private mutually owned life insurance carrier. George Orwell said “In a time of deceit, telling the truth is a revolutionary act.” Unfortunately, most people have been programmed to use commercial banks and Wall Street as their source of financing and long-term planning. They give up control of their money and take all the risks while someone else lives very well off that cash flow.

Click Below to Learn How to Build TOUGH MONEY

Why Do Americans Feel Financial Pressure?

Despite having some of the highest incomes in the world, most Americans experience constant financial pressure due to weak savings habits and limited access to liquidity.

At Factum, we’ve identified two key reasons why:

1. Limited Financial Education & Awareness

2. Inefficient Wealth Storage Environments

At Factum, we empower individuals and families to alleviate financial pressure by building TOUGH MONEY Habits—habits that create control, certainty, and long-term financial success.

To build TOUGH MONEY, you need to answer the FIVE most important financial questions:

Q1: Do you know how much you should be EARNING in passive income to live the life you have always wanted?

Q2: Do you know how much you should be SAVING to achieve your passive income goal?

Q3: Do you know how much you should be HOLDING in cash reserves to guarantee your protection and opportunities when events happen?

Q4: Do you know if the current environment where you hold your money is MAXIMIZING THE BENEFITS you deserve?

Q5: How would you rate your current MONEY MANAGEMENT HABITS?

If you don’t have clear answers to these questions, you’re not alone.

That is why Factum exists—to help you develop TOUGH MONEY Habits that lead to having the TOUGH MONEY EFFECT in your life.

Why Choose FACTUM?

By partnering with you, we believe we can build stronger, lifelong relationships that support your ongoing success. Together, we will lead the way toward a more secure financial future.

Financial Education

What sets us apart is our unrelenting focus on education. We provide you with deep insights into the flaws in the current financial system, without you ever feeling like you've been "sold".

Financial Awareness

Education based on truth leads to financial awareness. When you understand your finances, you’ll know exactly what to do.

Effective Implementation

We teach you how to apply financial principles using our exclusive systems, processes and tools to help you develop tough money habits and build wealth with certainty.

Action-Oriented Community

Our unique approach to wealth building empowers you to achieve results quickly and effectively, supported by a community dedicated to building tough money.

Track Record of Success

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Our Preferred Insurance Carrier

We are proud to endorse OneAmerica Financial as our primary insurance carrier for Whole Life and Infinite Banking. This endorsement is grounded in OneAmerica’s exceptional attributes and alignment with our core values.

Why OneAmerica Financial?

1. A Legacy of Excellence

OneAmerica Financial is a mutually owned, multi-billion-dollar company with over 100 years of operational history. Their long-standing commitment to stability and performance is exemplified by their consistent payment of dividends for over a century. Their top-rated status among financial institutions underscores their reliability and strength.

2. Aligned Core Values and Innovative Solutions

OneAmerica Financial's core values resonate deeply with our own, emphasizing integrity, customer focus, and long-term success. Their leadership’s personal belief and ownership in Whole Life Insurance reflects a profound belief in the products they offer.

Their Whole Life policies feature some of the strongest guarantees, ensuring a secure foundation for you. Additionally, the flexibility of Paid-Up Additions (PUA) premiums allows for tailored financial strategies, while their monthly cash value reporting provides transparent and timely insights into your policy’s performance.

By choosing OneAmerica Financial, you are aligning with a partner that combines a rich heritage of excellence with forward-thinking solutions.