Ontario · Québec · Serving Canada
I'm Loris. Private Reserve Financial is my firm, a licensed life insurance practice in Ontario and Québec. I run clarity sessions on the Infinite Banking Concept, in English and in French, for people who make good money and still don't feel in control of it.
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Sound familiar?
You make enough. That's what makes it confusing.
The paycheque lands. It's already spent. Mortgage, car, daycare, taxes. You didn't decide any of that this morning.
You pay the credit card and think, for the third time this month, "where does it actually go?"
Costco. $300 without noticing. You notice later.
Couch. Kids asleep. A low hum of "am I doing enough?" that never quite turns off.
You're disciplined. You work hard. You don't feel in control. And nobody talks about that part.
The part nobody explained
Your pay lands in an account. That makes you the depositor. While it sits there, the bank lends it out. When you buy the car, the house, the renovation, you borrow it back. That makes you the borrower, too. Four seats at this table. You've been sitting in two of them your whole life.
You
Depositor
You put the money in.
You
Borrower
You ask for it back, with interest.
Them
Banker
Sets the terms. Collects the interest.
Them
Owner
Keeps the profit.
Who sets the terms of the payment?
Every time you finance something, somebody answers that question. It has never been you. Infinite Banking is the argument that it could be.
Loris Mugisha · Authorized IBC Practitioner
What a clarity session is
You bring your real situation. We look at where your dollars go today, who sets the terms when you finance something, and what changes if that answer changes. By the end you either see it or you don't. Both are fine.
No illustration gets built and no product gets discussed until we've done a full financial needs analysis together. That order is the step most of this industry skips.
If the concept is a bad fit for where you are right now, you'll hear it from me on that same call.
Before anything gets designed, we write down your actual situation: income, obligations, what you're really trying to protect.
Participating whole life, built so you can use it while you're alive. You see how it's put together and why.
Policy servicing, annual reviews, and answers when you call. Most people who come to me were sent by someone who already did this.
Real questions, from real sessions
I want to buy a car. Do I have to ask the bank?
Second year of his policy. He'd never bought anything major without someone else's approval. We looked at his cash value together and at what borrowing against it would look like. That was the whole conversation.
Did I just do something dumb?
First year. The statement doesn't look like the illustration yet, and you're checking the portal for the fourth time. Everyone asks this. The answer is a calendar, and we look at exactly where the dividend lands.
I make good money. Where is it going?
Six figures a year, and he couldn't find $15,000 when an opportunity showed up. We didn't cut anything he loves. We found the leak.
The practice
I'm Loris Mugisha. I'm 27, married, one kid. My wife and I hold three policies and we use them to finance the major purchases in our life. I came to the concept as a client before I ever sold a policy.
I'm regulated by the Autorité des marchés financiers in Québec and licensed with the Financial Services Regulatory Authority in Ontario. In front of the Nelson Nash Institute, I'm a practitioner.
Before you book
Same teaching, both languages. Watch the one you think in, sit with it, and come to the session with real questions.
In English
Infinite Banking Explained: The Truth Banks Don't Want Canadians to Know
En français
Le Concept Bancaire Infini expliqué : ce que les banques cachent aux Canadiens
What it's for
8:47PM
A Tuesday
Kids asleep. Your wife beside you. The mortgage is handled. If something breaks, you don't panic. If an opportunity shows up, you can move on it.
You're not checking the banking app three times before bed. You're thinking, "we're good. And it's getting better."
That's what this is for. Everything else is proof.
Start here
Bring your real numbers and your real questions. You'll leave understanding the concept whether or not you ever become a client.
Book a clarity session