Be My Own Bank

Welcome to

Your Financial Freedom

With our dedication to financial coaching and the Infinite Banking Concept, we are committed to empowering you with the tools to help you achieve lasting financial freedom and a brighter future.

Welcome to “Be My Own Bank”

Customized Financial Planning & Investing

Meet Raymond Ward, owner of Be My Own Bank. Specializing in empowering individuals to take control of their financial future through the Infinite Banking System and strategic wealth building. Raymond’s journey is driven by a purpose of helping people unlock their true financial potential. Why settle for a financial system that limits you or puts your capital at risk? Discover how our unique approach to financial education and personalized strategies can guide you toward lasting financial freedom and fulfillment.

Learn more about our story and mission. >

Most people don’t realize that traditional banking is quietly limiting their financial freedom…

But you’ve spotted the cracks in traditional banking—that’s why you’re here. Now, it’s time to take control. The Infinite Banking Concept (IBC) offers a bold new way to manage your money with freedom and flexibility. Let’s dive in and uncover why IBC could be the answer you’ve been searching for!

Compare and Contrast:

Two kinds of banking

Traditional Banking

Banks profit by offering low interest on deposits, charging high loan rates, and piling on fees, all while using your money to grow their wealth at your expense.

Learn Why Business as Usual Isn’t Working >

Be My Own bank

Earn guaranteed interest, and annual dividends, enjoy tax-deferred growth, secure a tax-free death benefit, and access flexible loans—all while taking complete control of your finances.

Discover How to Take Control with IBC >

Traditional Banking vs. Infinite Banking: Which Works for You?

Case Studies

Is IBC the Right Fit for You?

The Infinite Banking Concept is for those ready to take control of their financial future. Whether you’re a business owner, farmer, investor, or someone exploring new financial strategies, IBC offers unique advantages that can be tailored to your needs. Visit our case studies to see how others have benefited and discover how IBC can work for you.

Growth

Financial Flexibility for Business Owners

The Infinite Banking Concept (IBC) offers a game-changing solution for business owners. Whether you need flexible financing or a secure financial future, see how IBC can be the key

Manage

Secure your Farm’s Future

With IBC, you can effectively manage your farm’s resources, from covering unexpected expenses to investing in new technology and planning for future growth. Read how in this case study

Unlock Financial Flexibility for Business Owners with IBC

Diversify

Investors and Wealth Builders

The Infinite Banking Concept (IBC) empowers you to create your own tool that works very much like a private banking system, putting you in control of your financial future. Read the case study and see how IBC can work for you

Take Control of Your Wealth

Your Path to Financial Freedom Starts Here

No more waiting. Discover how becoming your own bank can help you achieve your financial goals. 

Book your appointment today and start your path to financial freedom.

Testimonials

“When Ray first brought this to my attention, I did not know what to expect. However, one evening I sat down and went over the material and discovered this is what I’d been looking for all my Life. The concept, over time, has completely surprised me that it has performed better than I ever expected. It has also allowed me to make investments that I may otherwise would not have made, enhancing my estate. Ray has become a close friend and confidant in my financial Life and continues to teach and guide me on this journey, no matter the time it takes.”

Gilberto R.

“After years of financial planning disappointments and in search of alternatives, I came across Ray. My experience to date with Ray has been truly rewarding. He is completely transparent and always focused on continual improvement. A mentor and teacher at heart to help guide you through the journey of financial truths.”

Todd W.

“Working with Ray has been such a privilege! He has been very helpful in educating and navigating us through this process, and we know that he has our family’s best interest at heart. He takes the best care of his clients; as he’s always there to answer any questions we may have! To us, Ray is more than our life insurance agent…We’re honored to call him our friend!”

–Carrie M.

“My experience with Ray was nothing like I expected it would be. From the first time we met he was determined to help me find success in my finances. He is continuously there to help guide me through my journey with whole life insurance. I look forward to finding creative ways to build my financial future.”

–Bailey W. Class of 2023

“I have been working with Raymond for almost a year now on various life insurance products, and the experience has been great. He’s easy to reach, and always responds timely to any questions, and concerns I have. I look forward to working with him for many years to come, and I know he always has my best interest in mind when he selects a plan for me.”

–James from Corning Iowa

After years of financial planning disappointments and in search of alternatives, I came across Ray. My experience to date with Ray has been truly rewarding. He is completely transparent and always focused on continual improvement. A mentor and teacher at heart to help guide you through the journey of financial truths.

—Todd W.

Working with Ray has been such a privilege! He has been very helpful in educating and navigating us through this process, and we know that he has our family’s best interest at heart. He takes the best care of his clients; as he’s always there to answer any questions we may have! To us, Ray is more than our life insurance agent…We’re honored to call him our friend!

—Carrie M.

My experience with Ray was nothing like I expected it would be. From the first time we met he was determined to help me find success in my finances. He is continuously there to help guide me through my journey with whole life insurance. I look forward to finding creative ways to build my financial future.

—Bailey W. Class of 2023

Blog

Infinite Wealth Blog

Unlock the Secrets to Financial Freedom: Dive into our latest blog post to discover how to be your own bank and grow your financial future.

Repetition is the Mother of Skill

As the above title invokes the idea of revisiting endeavors to bolster our learning in Critical/Deep thinking, philosophy, symmetry are things to be looking for, keep working on, build like a muscle. This is why I am reposting my talk in 2 parts with Jayson Lowe, my...

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