JLM Wealth Strategies Inc

John has been integral in my understanding of IBC. Consultation sessions with him were highly educational and informative. He is not a "pushy" salesman, but very professional and truly has the client's best interest in mind.

These guys are so legit.
John Montoya and I scheduled an initial consultation over Zoom, and when I admitted I was from another country, I thought he would immediately say goodbye since we couldn't have a business relationship. But to my amazement he stayed OVERTIME on the call just to help answer some of my biggest questions about Infinite Banking, AND he went out of his way to refer to me someone he trusts from my own country who could get me started - all with no promise that it would help him in the end.
I also highly recommend consuming all of his Podcast, where I first heard of John, called The Fifth Edition, where he goes into great detail explaining some of the finer points of IBC for the layman like me.
This guy is the real deal who really puts the needs of his clients first. Thanks John; excited to get started.
-Jacob Goudreault

John is great! Straight shooter who takes the time to answer any and every question you have. Can’t imagine working with ANYONE else.

John Montoya (JLM Wealth Strategies) has consulted with my husband and me a few times through the last 4 years. It has always been a highly educational and beneficial experience. He's kind, respectful, humorous, patient, and caring. And most importantly, he's very knowledgeable about best strategies for arranging retirement funds for best outcomes. (Not just to accumulate assets, but to actually be able to generate the income needed to retire with peace of mind.) We appreciate how John thinks outside the typical financial boxes so that we can stop giving our power (and money!) away and become more financially free. WE ONLY WISH WE HAD MET JOHN WHEN WE WERE A LOT YOUNGER. We’d be fully retired by now for sure. Whatever your age, don't wait. Let John and his company show you how to live more stress free, with security, independence, and more time to enjoy life.

John Montoya was excellent to work with as I was researching the Infinite Banking Concept. His knowledge of the concept was extremely helpful in educating me and helping to decipher between what was just financial noise and what was really important (understanding how to solve my massive need for capital). After John and I initially consulted it took 3 months before we did an application for a whole life policy. John was patient with me as I was gathering all the information I needed to make a decision and offered assistance without ever pushing to make a sale. John is highly responsive and a true professional in the Infinite Banking world. I am very grateful I found such a good Practitioner and would recommend John's services to anyone who is considering implementing the Infinite Banking Concept in their own life.