Thanks so much Clay. At this stage in our lives it was a little scary committing to this program. Pulling so much money out each year for the last 6 yrs and paying butt loads of taxes, but we knew that it was safe and not going away. I’ve heard a couple of guys at work that have lost $600,000 since the election. This is the very thing we talked about in our first meeting. Thanks so much again for helping us achieve our goals.

Dennis & Traci H.

In 2014, as I approached the age where I could access my 401K and Profit Sharing Accounts, I contacted my friend Mike Murray. He showed up with Clay Campbell and we went over a lot of things. Finances, work, income, retirement, goals and expectations. One of my main fears was at this time in our lives we could not afford another 2008 market fluctuation. They left and returned in a couple of weeks with their safe money investment that met all of our needs. They had a plan to move our money over to their plan fairly aggressively. At first this was a little scary. They came by twice a year to visit and go over our plans to show that we are on track for achieving the goals we want.

It was so nice last week, when friends, neighbors and co-workers were watching their retirement accounts heading south again, and we could sit on the back porch and know, because of Mike and Clay, our money was safe and growing tax free. And that our retirement goals are still on track.

Dennis & Traci
League City, TEXAS

We've always heard about the different types of insurance products and always viewed them as a "cost" with no (or lousy) returns. We became friends with Clay and immediately liked and trusted him. He never talked about his business unless you asked about it. He showed us how to make sound financial decisions that differ from what conventional wisdom teaches and the benefits of taking control of our future.

Bill Black
LIVINGSTON, TEXAS

Finally, I have a valued and trusted professional to help guide my clients in the evaluation and selection of life insurance and its unique role as a vehicle to preserve wealth from the dual predations of litigation and taxation.... I can state unequivocally that the methods and techniques that my clients and I have learned from Clay were previously unknown to us, and he has been patient and highly professional in tailoring his solutions to the unique needs of my high net worth professional clients. I can recommend Clay without reservation as a peerless professional who places his clients needs first, and goes the extra step every time to craft innovative solutions to complex wealth management issues.

RICHARD EPLEY, PHD, CFP
CEO OF PANGENERIC CORPORATION

I was introduced to Mr. Clay Campbell at the recommendation of my financial advisor, seeking his expertise on insurance-based investment vehicles and their options. That was now over 5 years ago, and the vehicle chosen has performed as advertised, and I am quite pleased with the outcomes, the financial options now at my disposal, and having the product as part of my investment portfolio. In that same time period, I have continually found Clay’s grasp of his products offered, his ability to explain them with their various options and how they might best be tailored to my unique needs, and his responsiveness to my requests as superlative. I wouldn’t change a thing about my decision to engage Clay in my financial planning endeavors and couldn’t recommend anyone else any higher in his field.

KENNETH W. ZAMMIT, DDS, MS
KINGWOOD, TEXAS

As a small business owner we established a relationship with Mr. Clay Campbell that, with his investment expertise and guidance through MTL, has resulted in a significant increase in productivity for our business. We basically have our own bank from which we can borrow against our own investments resulting in immense savings in interest, and we have no need to go through a third party for additional funding every time we need to increase our inventory or make big purchases. We are glad that he approached us and offered the information to us, we attribute a lot of our success to Mr. Campbell and recommend his advice 100% to others looking for investment opportunities, financial freedom, and taking control of your purchasing needs. This is a great concept to manage and grow your wealth at a reasonable pace that you can choose. Give him a call and discover what the banks don’t want you to know about other ways to manage your savings and getting their hands out of your pocket. We not only do business with Clay, but consider him a friend.

Aaron & Marie Roberts, Owners
Roberts Precision Rifles
Spring, Texas

I started working with Retirement Planning Edge in 2012 after hearing the benefits of specialized whole life insurance. My plan was to grow the money for retirement in a secure and stable vehicle uninfluenced by the bubbles and crashes in the stock market. I did not have many plans for borrowing the money and repaying myself, but I knew that was an option. 

Fast forward 4 years, and I had an amazing business opportunity. I started a business of selling physical products online and met with success. The only problem was that I needed additional capital to buy inventory and scale the business. Many of my colleagues were forced to borrow money at high interest rates through credit card debt or private loans. But I had my privatized banking policy. I was able to borrow almost all of the cash value—unlike a 401(k)—and put it into my business immediately. The borrowing process was short and painless, and I could schedule the repayments to fit my schedule and business performance.

Less than a year later, I was able to quit my full-time job and work exclusively in my own business. I have fully paid back the money I borrowed from the policy, and I'm one of the few physical product business owners I meet who does not have any outstanding business loans. I now travel around the world, meeting up with other ecommerce sellers to share ideas and enjoy life.

Bryan Holekamp

I wanted to say thank you for what you did for my parents. Before I heard about you I had been turned down quite a few times when I applied for a loan. There house is worth over a million dollars, but they didn't have the income. My dad is 87 and my mom is 84 and bedridden. We were about to sell the house. With your hard work we didn't have to. We now have an income that is paying the bills. I don't know how I can thank you enough.

Steve Forson
San Jose, California

The Infinite Banking plan is a unique wealth building strategy that requires a person to become educated on topics that you typically won't find via main stream personal finance channels. Because this plan is based on a little known, unconventional means of constructing a whole life insurance policy, each policy natively offers several interconnected variables that need to be tailored to meet the unique circumstances of each person's financial situation. As a result, acquiring the requisite knowledge to not only understand the plan but also apply the concepts to cater to each person's unique financial situation requires an adviser with a unique set of skills. An Infinite Banking adviser must be intelligent, someone who has a level of integrity that garners trust, a fiduciary, the heart of a teacher, and someone who can clearly communicate somewhat complicated concepts in an empirical fashion. Clay Campbell exudes all of these qualities and he adds to these traits the type of patience and respect for others that reassures that every question is worth asking.

As Clay shared the various facets of the Infinite Banking strategy, I was able to obtain all of the answers I needed to make a rather weighty, yet informed financial decision. Even after becoming a client, I have found things to be just as they were explained to me and Clay has always made himself available to answer follow on questions and to take care of my requests. He is the consummate professional. He has become an essential partner in my wealth planning journey and I consider him to be my personal legacy architect. Because choosing the right adviser is as critical a decision as choosing the right plan, not only would I recommend the Infinite Banking plan as a wealth building strategy but I also would highly recommend Clay as your personal Infinite Banking adviser.

Larnell Nolan

After spending the last 34 years as a field auditor in IRS’ LB&I (Large Business & International) division, I retired in January of 2013. Looking towards retirement in 2011, I began trading stocks and options through a discount brokerage account. Then, in late 2012, one of my investment advisory newsletters began a series of articles about a unique savings vehicle called IBC (Infinite Banking Concept). Those articles and my heightened curiosity lead to further in-depth research. This included several articles and books. It also included telephone interviews of other IBC-oriented insurance agencies. As a result, not only did I decide to purchase an IBC policy to protect myself and my family, but am planning to sell the same because of its unique qualities, including its historically safe and consistent tax-free profitability. I look forward to my new career as a member of Clay Campbell’s team!

CLINT STERRY, Retired IRS
Revenue Agent

As a small business owner, I am constantly looking toward my future. I understand the importance of planning ahead and making good investments. I met with financial advisors, we discussed my goals and expectations and initially I felt I had secured several high quality investments, until I met Clay. His strong experience and investment tools were able to break down these investments individually and gave me the true worth of each. His assistance did not stop there—he presented solutions that resolved my issues with those initial investments. I now truly know my investments. My experience with Clay was great; his honesty and investment products have made a strong impact on my portfolio.

M. KING HARDY, DDS, PA
HUMBLE, TEXAS

New concepts present challenges to those of us who are used to doing things a certain way, which often means “the same way I’ve always done it.” It takes a very patient person knowledgeable in his or her subject matter to get those concepts across until the client reaches that “aha!” moment when everything falls into place. Clay helped my husband and me reach specific financial goals and has answered all of our questions, often more than once. Time is precious to all of us—yours will certainly be well-spent hearing what Clay has to say.

Ellen Grayson, Administrator, PA
Kingwood Family Medicine

Clay Campbell has been respected by the Skero family for twenty-five years. Clay and his family have always taken care of our family. Clay is a man of integrity and faithfulness. My father Larry Skero Sr. originated our family business in the Kingwood area in 1983. As the oldest son, my father and mother have taught me to be faithful and committed to our family business. One of the reasons I consider Clay a personal friend is that he has the same values we practice in our own lives. I want you to be convinced of this. If Clay represents you in your personal matters of this life, he will take great care of you. He is a conscientious kind of man. Be blessed.

Larry Skero Jr, Manager
Kingwood Barber Shops
Kingwood, Texas

My husband and I have been clients of Clay Campbell for the past fifteen or twenty years. When we chose to invest our savings we decided the most important thing is choosing an advisor. The kind of advisor we were looking for is someone who had the ability to see the big picture while helping us manage the details. We chose Clay Campbell to invest our money. We knew from day one what to expect and what the return would be. His leadership and being at our disposal have been phenomenal.

Bonnie Libby, Retired School Teacher
Porter, Texas

On June 19, 2017, I opened my Bank before going on a vacation. On August 25, 2017, Hurricane Harvey devastated the Houston Texas area. I was among those who lost everything. I called Mr. Campbell and told him that I was going to need a loan. I got my loan within two days. I was able to get a car and rent an apartment. I did not have to go through any credit check or co-sign. Two weeks after Harvey, because of my own Banking system, I was back on my feet. I am very sure that had I not opened my Banking system I would still be waiting on some type of help.

pedro vera
houston, texas