Build Wealth Outside of Wall Street

Learn and implement the financial strategies of the wealthy
using Infinite Banking Concepts.

Find Your Path to Financial Independence

Ibc Plural

The Infinite Banking Concept: Why We Believe In It

We have been involved in the financial services industry since 1994. After working for two of the major financial institutions in the world, my wife and I started our own company (Universal Wealth Managers LLC) in 2005 with the purpose of offering our clients unbiased insurance brokerage and financial advisory services.

Shortly after the financial crisis of 2008, we discovered Nelson Nash’s masterpiece “Becoming Your Own Banker”. It convinced us that most of our financial education and experience was not based on reality but on flawed premises and that the only way to control our financial future was to control the banking function ourselves. The Infinite Banking Concept has provided us, our family, and our clients with financial independence and peace of mind.

The Long Road to IBC: Sheer Persistence Guarantees Success

Pedro explains how he fled Communist Cuba as a young man, earned several degrees including a Ph.D. and an MBA from Columbia University in New York City, worked for a Think Tank of the U.S. Department of Defense in Washington, D.C., and later, The Ford Motor Company in their Strategic Planning Department in Dearborn, Michigan.


What Our Customers Say About Us

Sally R.
Boynton Beach, Florida, Save Money for Retirement

My husband and I were looking for a way to save for our retirement. With this program, we are saving and have our money accessible when we need it. Pedro and Isis are great and always available to answer our questions and offer guidance along the way. This plan is just what we needed. I would recommend this program and Pedro and Isis’ expertise to anyone!

Ivette and Ricardo Z.
Sanford, Florida, Risk-Free Retirement Income / Whole Life Insurance Policy

I thought my husband and I were doing all the right things in setting our goals for our retirement. We had mutual fund accounts, IRAs and a 401 (k), but after all this planning, we were not able to retire at a specific age with a specific amount of money. This was a concern to us and we were determined to find a better way. The policy that Pedro Palicio designed for us provided us with a specific age and amount we could retire, depending on what we wanted to do. This program will work for anyone who uses it correctly. We love it.

Dr. and Mrs. Junior F.
Miami, Florida, Saving Strategy / Banking Policy

My family is secure in the knowledge that our funds are backed by a proven 160-year-old strategy. The banking policies that Pedro and Isis Palicio designed for us helped us purchase two new family vehicles. We’re paying ourselves back and continue to see our policies grow. We are also planning on using our policies for future Real Estate ventures and college for our two daughters. Thanks to you both.

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