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
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.
Wade Borth
Wade Borth
Growing up on a farm in North Dakota, it wasn't until personal tragedy struck Wade as a young boy that he found the value and importance in life insurance. He decided he wanted a career where he could make a difference in people's lives and leave an impact. Ultimately, this decision led him to life insurance, Nelson Nash, and the Infinite Banking Concept.
Wade is now a seasoned financial expert who is having more fun helping thousands of people take control of their financial lives with a profound commitment to long-term thinking. With an impressive track record spanning over three decades in the financial planning industry, he has been instrumental in guiding numerous clients towards their financial goals and fostering the growth of multi-generational wealth.
Wade’s approach is rooted in understanding, empathy, and action as he recognizes that each client's needs are unique. Whether he's crafting tailored insurance solutions or imparting invaluable insights to fellow agents, he prioritizes empathy, transparency, and honesty in every interaction.
Beyond serving his own clientele, Wade has a passion for training, mentoring, and coaching the next generation of agents. Recognizing the impact of a good mentor, he loves sharing his wealth of knowledge and expertise with aspiring agents, guiding them towards success in an industry where personal values are paramount. Wade enjoys working with people whether a client or agent who wants to reach their maximum potential so they can leave a lasting impact on their families and communities.
Monty Flack
Monty Flack
Monty Flack started his career as a high school Spanish teacher. He taught for 14 years and coached softball for ten of those years. He continued to look for ways to bridge the financial gap of making ends meet on his teaching salary. Monty pursued Real Estate investing and in 2009 was introduced to IBC, putting his savings to work for his family.
His gift of teaching continues with IBC through life insurance. He uses his passion for IBC to help people pursue their curiosity, having faith knowing that they have a sound financial strategy that then enables them to pursue the things that inspire them and glorify God.
David Zapata
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.
Jim King
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.
Joe Fuller
Joe Fuller
Starting when he was 10 years old, Joe aspired to be a neurosurgeon. He was ambitious with his goals and worked hard in school, especially throughout High School to be on track for this goal. He was certified as a Medical assistant as he finished high school and then spent 2 years on a mission for The Church of Jesus Christ of Latter-day Saints. During his time spent teaching about Christ in North Dakota, Minnesota, Nebraska, Montana, and Ukraine, he started to see how others lived. This got the wheels in his head turning to where he could finally grasp a very powerful concept he learned about when he was 17. The power of a Whole Life insurance policy used to control the Banking function in one’s life.
He had caught the Infinite Banking fever. He knew the community at Factum was one of personal growth, building family unity, serving others, and giving value in every interaction. These values are close to Joe’s heart. He was hooked on the message and the Factum Family. Now, as he continues to learn and implement his gifts and talents in sharing this message he plans to make a huge impact in the medical community as well as empower individuals and families to live more abundant lives!
Kenneth Kratzer
Kenneth Kratzer
Ken Kratzer is a retired school teacher and father of 12. He was raised in central Africa by missionary parents, and this experience has given him a global perspective and a heart for serving the disadvantaged. Even today, Ken and his children remain involved with Nundu Hospital in eastern DRC (Congo).
Shalaree Lamboy
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!
Where To Find Us
Our agents can be found throughout the United States, in various locations such as major cities, suburban areas, and rural communities. We are here to help with your financial freedom!
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.