The Team
Factum Financial has the life insurance coverage that fits your budget and lifestyle. Protect your family’s welfare by contacting us today.
Kyle Fuller

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.
Monty Flack

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.
Jim King

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.
Kenneth Kratzer

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.
Tarisa Poirer-Shelton

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.
David Zapata

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.
Shalaree Lamboy

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!
Ready to take the next step towards financial freedom?
Factum Financial has the life insurance coverage that fits your budget and lifestyle. Protect your family’s welfare by contacting us today.