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Infinite Banking Concepts Authorized Practitioner

Guiding you every step of the way

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.
“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.”

Katharine B. ~ Nevada, U.S.A.

What is The Infinite Banking Concept®?


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.


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.


  • Tax advantages & dividends

  • Control over your money

  • Financial flexibility & reliability

  • Accumulation 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®

Traditional Financial Services

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Whole Life Insurance

A whole life insurance policy is the vehicle to building life-long income replacement and sustainable wealth.

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Annuities are a way for your wealth to last a lifetime so you can live retirement to the fullest, and without worry.

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Term Life Insurance

When you’re getting started on your wealth-building journey, you may need temporary coverage.

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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.

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Premium Financing

Create exceptionally large life insurance death benefits while paying minimal yearly premium cost.

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Disability Insurance

Your disability insurance replaces your family's income in the event you become injured or too sick to work.

“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!”

Raymond S. ~ Florida, U.S.A.

​We meet you where you are

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.

“Dishonest money dwindles away,
but whoever gathers money little by little makes it grow.” 

— Proverbs 13:11
Standing with Arms Stretching out to Sky
“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.”

Fabio M. ~ Brazil

Why choose us?

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!
Akiva Kenneth Shapero


Pinny Joshua Levy


Dobi Sheinberger


Infinite Banking Concepts Authorized Practitioner
Trusted by Nelson Nash Infinite Banking
National Ethics Association Member logo

“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
Beach Stroll
“My wife and I really appreciated the entire process Ken and Josh
put in place to help us buying our first Whole Life Insurance. They made the transition very smooth from, the theory of being your own banker to its practice.”

Julien K. ~ Belgium

Our 3-Step Process Designed For You

Step 3:

We Seek Approval of Your Plan
with the best insurer for you, and revise any aspect of the plan until you are comfortable and empowered. We activate the plan and follow up at regular intervals to ensure your continued success.

Step 2:

We Develop a Personalized Plan of Action
including initial proposals for your Infinite Banking policy or policies. We will take the time to ensure you understand the built-in flexibility and features of any plan, and take care to account for future growth or life’s "what ifs".

Step 1:

Introductory Conversation(s)
to ensure we hear your concerns, needs, and goals, staying true to the Infinite Banking System as taught by Nelson Nash.
Shaking Hands
Fill in Your Info
Do you currently own any life insurance?
How much research have you done about The Infinite Banking Concept®? (select all that apply)
Product Type I'm most interested in: (select all that apply)

Please keep in mind all information is confidential and is not shared without your specific permission.

We’re always ready to help you achieve your goals

Partnering with a financial professional is a great way to:

• Get answers to your questions – big or small.
• Find out exactly what you need.
• Come up with a strategy that evolves as your life does.

Our financial professionals are available to meet with you virtually from the comfort of your own home, helping you understand different options to meet your unique needs.
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