What insurance products do your advisors recommend?

Ascendant Financial advisors exclusively recommend participating whole life insurance from mutual carriers. They do not place universal life or indexed universal life products, as these do not align with the principles of the Infinite Banking Concept.

How do advisors get compensated?

Advisors earn compensation from insurance carriers, as is standard in the industry. IBC-focused advisors typically earn less per premium dollar than generalist agents because they prioritize policy design that maximizes client benefit over commission.

How often will I meet with my advisor after my policy is in place?

IBC is not a 'set it and forget it' strategy. Your advisor will conduct regular reviews and ongoing coaching to help you with premium funding, loan structuring, and repayment discipline as your financial system evolves.

Financial Advisor

Connect with an Expert

When choosing a financial advisor, it is essential to find a match that understands your financial goals and the objectives you are looking to achieve. As your life changes and you expand your economic horizons, you may find yourself looking at adding a financial advisor to your team. Or perhaps, you are considering switching to someone who has a deeper understanding of how to help you get to the next level. Having a person you can lean on to provide a sounding board for your most important financial decisions will take your financial life to the next level.

At Ascendant Financial Inc, our team of world-class advisors is constantly learning and expanding their own financial knowledge with ongoing training so they can bring the most value to their clients. A unique advantage to being a client of Ascendant Financial is access to our client community. You can engage with your advisor conveniently at any time via their booking calendar and find a time that works best for you from the convenience of your own home. Or login to our customized client portal with video lessons, training tools and forms to maximize our success. Our client services team makes your life easier. It is there to support your advisor so they can focus on helping you. That means providing coaching, mentorship and guidance as you financially progress closer to the goals you have in mind.

Our advisory team wants to empower you to become actively engaged in your financial life and take control over your retirement destiny. By working with our team, you can engage with the most current financial education strategies to have more peace of mind and happiness. We serve Canadians coast to coast. Our in-house team and extended network of strategic partners can help you implement critical strategies that become the foundation of your success.

Learn more about our core warehouse of wealth strategy by discovering the process of Becoming Your Own Banker. With this method, you can have your dollars working for you in more than one location and put your savings on track for uninterrupted compounding. This core strategy helps Canadian families create a tax-free income for their retirement. It is simple to implement with our Authorized Infinite Banking Practitioners available to teach you how.

Locations We Serve

United States

Frequently Asked Questions

A typical insurance agent is focused on placing a policy. An Ascendant Financial advisor is a trained IBC practitioner focused on your overall financial system. Our advisors help you understand the process deeply, design a policy that fits your specific variables, and coach you on the behavioural principles that make IBC work over time. The policy is a tool, not the destination.

No. Ascendant Financial advisors exclusively recommend participating dividend-paying whole life insurance from mutual carriers for IBC implementation, consistent with Nelson Nash’s original guidance. Universal life and its variants (IUL, VUL) were not endorsed by Nelson Nash for this purpose and carry structural features that conflict with the core principles of the process. Read more on how to structure a whole life policy for Infinite Banking.

Use our Find an Advisor tool to browse advisors by location. We have 25+ licensed advisors operating across Canada and the United States. You can search by location or speak with our team directly to be matched with the right advisor for your situation and goals.

Our advisors earn compensation from insurance carriers, as is standard in the industry. We want to be transparent: advisors who specialize in IBC typically earn less per premium dollar than generalist insurance agents because of how IBC-optimized policies are structured. Our goal is to design the right policy for your situation and coach you on the behaviours that make the system work, not to maximize commission.

IBC is not a ‘set it and forget it’ strategy. Your advisor will conduct regular policy reviews, coach you through loan structuring and repayment, and adjust your plan as your financial life evolves. Ongoing coaching is a core part of our service model because we are in this with you for the long term.

Traditional financial advisors are typically focused on allocating your capital across market-based investments and earning their fees on the assets they manage. Ascendant Financial advisors focus on helping you control the banking function in your life through the IBC process. We are not competing for your investment dollars; we are helping you build a foundational system that works alongside the rest of your financial life. Our compensation comes from insurance carriers, not from your investment portfolio.