Hello! My name is Peter Arnold. WELCOME to this Web Page (part of FinancialAchieversAcademy.com). 

This Special Web Page is all about PRIVATIZED BANKING -- becoming your OWN banker.  But first...

TRUTH - The core values of honesty, integrity and "objectivity" - when planning for your own financial future - and searching for financial advice - are absolutely paramount, in these tough economic times.

It is my personal belief that unfortunately, most financial "advice" given today is not only UNobjective - but also severely "biased". This is not to say that all such advice is bad, because there are indeed, many financial professionals out there who will have your best interests at heart. However, "let the buyer beware" is a good motto to follow. I believe it is critical for any individual or any business person to do their "own" homework carefully - to gain the right "financial education" - in order to know every major fact when considering the choice of a financial advisor, a service, or a product. Sadly, the real "truth" is that many of the major facts within financial products being sold today are conveniently "not fully disclosed" to the customer / client / investor. And too much of what is out there is complicated, even overwhelming, and very time-consuming, to understand.

Risk - Also, I believe the North American public has been "brainwashed" into believing they must accept risk, volitility and unpredictability in order to grow their net worth substantially, and build real wealth. Well, nothing could be further from the truth, because here, you will learn how you CAN build wealth - safely - "without" the usual, violent gyrations of stocks, mutual funds, futures, real estate, gold, and other such investments. Yes, here we're talking about having true FINANCIAL CERTAINTY.

Reality - With the dismal failure of many (perhaps most) investments over the past two decades, the job losses, the rapid fall of company pension plans, the housing bubble, the bankrupt social programs, the "fiscal cliff" fiasco in the US (which Canada is "tied" to), etc - a great many people are now either stressed out, or taking 2nd jobs (if they can find them), or really "hurting" financially, or post-poning their retirement plans, etc. Their financial worlds have turned upside down - they want more control.

Creating WEALTH - There are different ways to create wealth. Here are two: 1) You can increase the amount of money - you MAKE --- 2) You can increase the amount of money - you KEEP. Yes, it's critical in these times to develop ways to diversify, and increase CASH FLOW - it's the "first step" on the journey to building wealth. But here, we're comparing something a little different...

The most damaging aspect of our personal finances is not the small rate of return that we MAKE on our INVESTMENTS - it is the large amount of money we SPEND every month on our personal DEBT (car loans, mortgages, credit cards, etc) - and the money we LOSE every month to interest, taxes, and "opportunity cost" (the growth our money, that we 'could' have earned, had we not payed 'cash' for our purchases). It is that part (what we SPEND, and LOSE) - that adds up to a financial FORTUNE, over time. And that (otherwise lost) "fortune" can be totally RE-CAPTURED!

Tradition - We all have opinions and biases that have been shaped by our education and experiences. Ideas that have been "traditional" ones tend to become fully ingrained in our thinking. Many of these ideas are very difficult to "change". Gaining "accurate" information and correct knowledge of the idea that follows below may be a case in point - it is different from what you (we) have been taught over the years by the financial community. It goes "against" what WALL STREET or BAY STREET preach. Yet it is superior to just about anything else out there, for achieving financial independence.

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UP FRONT - I wish to disclose that, although my professional background and education has been largely in the field of counselling clients on business and financial matters - I do not personally market this outstanding (IBC) financial vehicle (I am not "licensed" for that) - nor do I receive any financial compensation whatsoever for recommending it, or referring the few Special Advisors who do specialize in it. Although I do applaud the IBC idea, I feel I am able to provide you with a totally "independent" view on this, as I have "no ties" to any IBC financial product, or company, or promoter. The many sources reviewed for this data are believed to be accurate and reliable, but cannot be guaranteed.

My Goal - I simply believe that the financial principles of the IBI (Infinite Banking Institute) and the IBC (Infinite Banking Concept) are so important to your (our) economic health that I felt compelled to put this Web Page (and others) together, to at least "expose" you to it - to give you some "basic" information about it - to "guide" you, should you wish to explore the IBC further with a well qualified professional. What follows therefore is, hopefully, helpful to you. Let's get started...


The time-tested, 5,000 year old principles of BANKING have shaped - and created WEALTH for - some of the biggest corporations and institutions in the world - bar none.

Their Secret - Doing what THEY do is key - instead of doing what they have been "telling" YOU (us) to do, for centuries!

FINANCING - Commercial banks are in the FINANCING game ("fractional banking"). They "accept DEPOSITS" from their customers (depositors) - and they also "grant LOANS" to their customers (borrowers). But, there's a HUGE difference in the INTEREST rates between these two consumer groups (the interest they "pay" to their depositors -vs- the interest they "charge" to their borrowers)!

For example, banks (currently) pay depositers no more than about 2% -- whereas they charge -- for home mortgages, about 4-5% -- for car loans, about 8-9% -- for credit cards, about 18-22%. You get the picture!

Leverage - This interest rate "spread" is one of the major ways banks make their gigantic PROFITS, and show wealth (their billions in ASSETS), on their Annual Financial Statements.

About your OWN Family Bank ('Private BANKING System')

Now, you can do the very same thing as COMMERCIAL BANKS do - using this very same Wall Street / Bay Street financial model (financing) - to grow YOUR asset base - to build YOUR wealth - to protect YOUR financial future - without any RISK. Over time, your own "Private Banking System" (PBS) can become the central HUB for almost all of your financial decisions.

PBS (Private BANKING System) - What follows is information from the IBI (Infinite Banking Institute) about a remarkable (but little known) financial concept. It has had its roots in what is called the IBC (Infinite Banking Concept) - "infinite", because of the vast number of "uses" it has. This (IBC) is truly different. It's a NEW (yet proven) way for YOU to expand your cash flow, grow your net worth, and build wealth - safely. In fact, it enables you to SPEND your money, while "at the very same time", GROW that same amount of money - you get double-duty on your money. You can keep spending, yet grow your wealth at the same time (sounds weird, but it's absolutely true).

To understand IBC (the PBS - Private Banking System), ideally, you should have at least a little understanding of Austrian Economics - and you'll need to get a grasp on some basic "financial concepts". In addition, you'll need to start wearing a "different hat" when it comes to how you view your "money". This will require a paradigm shift from where most of us are in our financial minds. It’s time to put on the banker’s hat -to sit in his/her chair, and view yourself from their eyes - and how they view your money in their bank.

Financing Your VEHICLES - To give you just 'one' compelling example of PBS at work => Click Here

It's NOT 'Saving & Investing' - It is very important to note a KEY "distinction" here. Creating your own family bank (your Private Banking System - PBS) is not about "saving & investing" your money (surprise!) - NO, it is about doing what the BANKS do - "financing" (in this case, SELF-financing). With your own PBS, you will "finance" the major purchases you make during your lifetime (the cars, home improvements, furniture, equipment, vacations, drapes, carpets, etc) - and thus, build wealth.

It's NOT a 'Get-Rich-Quick' Deal - This is not about a Home Business opportunity, or a Franchise, or Network Marketing, Affiliate Markleting, etc. And it is not some kind of over-night "rags-to-riches" deal - this about truly securing (actually "guaranteeing") your financial future, over time =====> Click Here

Over time, your own PBS creates a large, growing (predictable, and totally risk-free) liquid CAPITAL FUND for you - one that you can "depend" on (it's contractually 'guaranteed') - one that is creditor-proof - one that can greatly expand your net worth position over time, and build real WEALTH for your future.

When you are ready to buy your next car, or to pay down student loans, or to purchase an item, or pay for a service, or buy equipment for your business or practice, etc - and you have enough capital (high cash values) -- well, instead of paying cash, or financing it, through a "commercial bank", you utilize the funds, or finance the purchase, through your OWN bank loan. It's not rocket-science - with the 'Infinite Banking Concept' (IBC) - you are "both" the CUSTOMER and the BANK.

MORE - on IBC and PBS

Financial Education on IBC + PBS - There are 'many' excellent sources of information available to give you a deeper understanding of, and appreciation for, having your own PBS (Private Banking System) - based on the IBC (Infinite Banking Concept). I'm including only a few sources here, to help you in that quest. For the best results, please follow the "sequence" of the points below.

Note - Much of what follows applies to the USA, but Canada is very similar.

- Read my own (brief) INTRODUCTION to the IBC (Infinite Banking Concept) => Click Here

- Read some important ENDORSEMENTS about IBC (Infinite Banking Concept) => Click Here

- Read about the Authorative BOOK on IBC, and learn about the FOUNDER of IBC => Click Here

- Learn how you can now build WEALTH, safely, without working harder, or longer => Click Here

- Discover the amazing FINANCIAL TOOL "behind" the IBC (Infinite Banking Concept) => Click Here

- What about the FUNDING for your PBS (Private Banking System) - how do I DO that? => Click Here

- Visit the official IBC (Infinite Banking Concept) website, owned by the IBC FOUNDER => Click Here

- Study this great FREE eBook ("Rx - Prescription For Wealth"), by Dr. Tomas McFie ==> Click Here

- MORE: An excellent (USA) website on IBC (Pamela Yellen) that provides lots of info => Click Here

- MORE: For a deeper look at IBC (plus videos, etc) I put together another Web Page => Click Here 


CONTACT - Please feel free to contact me about IBC (Infinite Banking System). I have researched the USA and Canadian markets thoroughly, and can guide you to the few highly competent and well trained IBC Special Advisors who can help you set up your own PBS (Private Banking System).