2026 FACTUM BUSINESS OWNER MASTERMIND

Evolve from a Self Employed Agent to Business Owner in the Life Insurance Industry

November 5–6 | 9:00 AM – 5:00 PM | Scottsdale, Arizona

Most agents never actually build a business, they create a job that depends entirely on them

Too many agents find themselves trapped in personal production, wearing every hat, solving the same problems repeatedly, and trying to scale without the systems, support, or structure to make it sustainable.

At some point, growth requires a decision: continue relying on effort alone… or start creating structure that allows the business to grow beyond you.

At this mastermind, we’ll walk through the different stages of building and scaling a life insurance business, including systems and processes, training and coaching, community, leadership, and finding the right partners to support your vision.

Join us to see what it takes to build a business that supports the life you want to live.

EVENT DETAILS

Thursday–Friday, November 5–6

9:00 AM – 5:00 PM

Human Communications Institute, 9096 E. Bahia Drive, Suite 106

Scottsdale, Arizona, 85260

"YOU WILL LEAVE WITH MORE CLARITY ABOUT YOUR FINANCIAL LIFE WITHIN YOUR BUSINESS"

– DAVID ZAPATA

FOLLOW OUR SYSTEM AND MODEL TO SCALE YOUR BUSINESS WHILE INCREASING YOUR LIFE INSURANCE SALES

"My biggest breakthrough from the 2025 Business Owner Mastermind was when we went through how many clients we would need to reach our passive income goals. I didn't know how to calculate that, and knowing those numbers has helped me figure out how I can get there."

"They set the gold standard for what an agency should be, and what clients should expect."

Hans Toohey, Remnant Finance

OPTIONAL COLLABORATION + Q&A SESSION

Following the main event on Friday, we’re hosting an optional Collaboration Session designed to give you direct access to our leadership team in a more personal, small-group setting.

Each team member listed below will be seated at their own table for 30-minute discussion blocks. You’ll have the opportunity to rotate between up to four tables during the two-hour session, choosing the topics and people most relevant to your goals.

You can sit down, ask questions, and collaborate directly with:

NATHAN LOWIS

Director of Systems & Technology

Systems, structure, and building scalable processes that work

EMMA IRVIN

Director of Operations

Operations, execution, and how we support our agents and leadership behind the scenes

KYLE FULLER

CEO

Why we’re building a mutually owned agency and what that really means

DAVID ZAPATA

Wealth Strategist & Tough Money

Co-Creator

Applying Tough Money principles to real-life scenarios

JOE FULLER

Wealth Strategist

Building your Life Insurance team

WADE BORTH

Director of Training & Coaching

Training, coaching, and how we help agents grow personally and professionally

NIKKI DIPPLE

National Relationship Vice President, Career Distribution, OneAmerica Financial

Why we chose OneAmerica as our primary insurance carrier and what makes them different

100% MONEY BACK GUARANTEE

Let us know by 12:00 PM on Saturday, November 7th if the event wasn't worth your ticket and we'll give you a full refund (travel not included)

2025 BUSINESS OWNER MASTERMIND RECAP

KEYNOTE SPEAKERS

Brett Tanner

CEO of Tanner Capital Holdings

Brett serves as CEO of Tanner Capital Holdings which provides consulting services to real estate businesses throughout the United States. His private portfolio is carefully supervised by a family office, responsible for managing the acquisition and disposition of a diverse real estate portfolio valued at over $250 million. This portfolio includes residential and commercial properties, as well as private loans.

Brett’s core belief remains a guiding principle for his team and the businesses they serve: the ultimate goal of wealth is to provide individuals with the freedom to design a life they love. This philosophy shapes both his personal and professional pursuits. Outside of Brett’s professional life, he cherishes the opportunities to explore the world with his wife and their three children.

Jayson Lowe

CEO & Chairman of the Lowe Family Group of Companies.

Meet Jayson Lowe, the energetic force behind Ascendant Financial Inc. and a master mind in the Infinite Banking Concept for the past 16 years. Jayson’s not just a CEO & Chairman of the Lowe Family Group of Companies; he’s a coach at heart, renowned for developing talented individuals into outstanding leaders.

His approach goes way beyond finance - deeply rooted in the mantra of “Health + Wealth + Giving.” This forms the cornerstone of his Family Banking System, emphasizing a balanced focus on family and servant leadership. With a proven track record of winning in business, Jayson is the kind of mentor who brings out the best in his Teams. Jayson’s sessions are not just about Becoming You Own Banker or building a successful business; they’re about enriching lives.

Prepare to be both informed and inspired!

Secure your seat now and unlock the path to financial empowerment at Factum Wealth Live Seminar! Reserve your ticket today and embark on a journey to financial freedom

UNLOCK THE SECRETS TO LASTING WEALTH AND FINANCIAL FREEDOM.

At This Seminar You Will Hear Expert Speakers Discuss:

Factum Wealth Scorecard - Estate Planning
Mapping Out A $50,000,000 Net Worth

Factum Wealth Scorecard - Estate Planning
Mapping Out A $50,000,000 Net Worth

Family Banking
Whole Life For Business Owners.
And More...

sold out!

SPEAKERS

David Zapata

Wealth Strategist

A financial educator in the life insurance industry and an Authorized Practitioner of the Infinite Banking Concept. My passion is empowering business owners and families to take permanent control of their money.

Every year, Americans earn uncommonly high incomes. But, most Americans don’t save enough to achieve the freedom they want. I focus on revealing the truth about setting a proper financial foundation so more Americans can become the directors of their own movie…

READ MORE +

Juan Godinez

Attorney

Juan Godinez focuses his practice on estate planning and trusts and wills. The most enjoyable part of his work is helping his clients gain peace of mind by protecting their assets and ensuring their legacy is secured for generations to come. As an IBC practitioner, Juan especially enjoys assisting IBC plan holders create life insurance trusts to maximize the power of their IBC policies.

Prior to joining Copper Canyon Law, Juan served as a Judge Advocate General (JAG) for the United States Air Force. As a JAG…

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Kyle Fuller

CEO of Factum Financial

Kyle Fuller started in life insurance in 2013, but was overcome by the power of Infinite Banking the following year and has been practicing IBC ever since.

Kyle was blessed with the heart of a teacher, which prompted him to share his knowledge of Infinite Banking with people who want to harness every dollar for its maximum potential and live with ultimate financial freedom.

READ MORE +

Wade Borth

Chief Insurance Officer of Factum Financial

Growing up on a farm in North Dakota, it wasn’t until personal tragedy struck Wade as a young boy that he found the value and importance in life insurance. He decided he wanted a career where he could make a difference in people’s lives and leave an impact. Ultimately, this decision led him to life insurance, Nelson Nash, and the Infinite Banking Concept.

Wade is now a seasoned financial expert who is having more fun helping thousands of people take control of their financial lives with a profound commitment to…

READ MORE +

Kevin Barry

Founder and CEO of Integrity Network

Kevin Barry is the Founder and CEO of Integrity Network, which encompasses several businesses related to buying, renovating, and insuring real estate.

Since moving to Arizona in 2003 from Northern California, he has grown to love the Grand Canyon State and considers it his true home.

READ MORE +

David Zapata

My name is David Zapata. I am a financial educator in the life insurance industry and an Authorized Practitioner of the Infinite Banking Concept. My passion is empowering business owners and families to take permanent control of their money.

Every year, Americans earn uncommonly high incomes. But, most Americans don't save enough to achieve the freedom they want. I focus on revealing the truth about setting a proper financial foundation so more Americans can become the directors of their own movie.

I help my clients create effective savings strategies using whole life insurance. My ultimate goal is to provide confidence and certainty to my community's relationship with money.

I believe Americans need more efficient savings environments. This is the solution to protect and preserve the liquidity that Americans need to grow their families and businesses.

My work teaches the essential mindset, process, and product knowledge required to build a private banking system.

I am a husband and father. As a family, we use our private banking system to fund our vision of abundance and to create a legacy. I am proud of my positive impact on the families and businesses I serve. I am grateful for the opportunity to connect with you in the future.

Juan Godinez

Prior to joining Copper Canyon Law, Juan served as a Judge Advocate General (JAG) for the United States Air Force. As a JAG, he drafted estate plans for military members as they prepared for deployment to areas of conflict. He also represented the United States in regulatory matters and litigated over 20 cases. Following his service as a JAG, Juan worked at a large law firm in Phoenix representing both large and small businesses in legal disputes. His unique legal experience has provided him with a deep understanding of legal processes, which he in turn uses to advise his clients.

Juan graduated magna cum laude from Brigham Young University, after which he attended law school at Northwestern University School of Law. While in law school, he worked as a judicial extern for the Honorable Ruben Castillo, United States District Court (Illinois), and interned at a large law firm in Phoenix for two summers.

Juan and his wife have four children. He enjoys staying in shape through weightlifting, hiking, wake-boarding, and snowboarding. He enjoys everything sports-related.

Kyle Fuller

Kyle Fuller started in life insurance in 2013, but was overcome by the power of Infinite Banking the following year and has been practicing IBC ever since.

Wade Borth

Chief Insurance Officer of Factum Financial

Growing up on a farm in North Dakota, it wasn't until personal tragedy struck Wade as a young boy that he found the value and importance in life insurance. He decided he wanted a career where he could make a difference in people's lives and leave an impact. Ultimately, this decision led him to life insurance, Nelson Nash, and the Infinite Banking Concept.

Wade is now a seasoned financial expert who is having more fun helping thousands of people take control of their financial lives with a profound commitment to long-term thinking. With an impressive track record spanning over three decades in the financial planning industry, he has been instrumental in guiding numerous clients towards their financial goals and fostering the growth of multi-generational wealth.

Wade’s approach is rooted in understanding, empathy, and action as he recognizes that each client's needs are unique. Whether he's crafting tailored insurance solutions or imparting invaluable insights to fellow agents, he prioritizes empathy, transparency, and honesty in every interaction.

Beyond serving his own clientele, Wade has a passion for training, mentoring, and coaching the next generation of agents. Recognizing the impact of a good mentor, he loves sharing his wealth of knowledge and expertise with aspiring agents, guiding them towards success in an industry where personal values are paramount. Wade enjoys working with people whether a client or agent who wants to reach their maximum potential so they can leave a lasting impact on their families and communities.

Kevin Barry

Founder and CEO of Integrity Network

Kevin Barry is the Founder and CEO of Integrity Network, which encompasses several businesses related to buying, renovating, and insuring real estate. Since moving to Arizona in 2003 from Northern California, he has grown to love the Grand Canyon State and considers it his true home.

He is an Army Combat Veteran, former Law Enforcement and presently leads multiple businesses that will gross over 5 million in revenue.

Kevin is happily married to his wife, Alexis for 13 years and has four children, Titus, Juan, Capri, and Clementine.

FREQUENTLY ASKED QUESTIONS

Who should attend the Factum Business Owner Mastermind?

Any life insurance agent or agency that is looking to grow or scale their business.

What can I expect to learn?

The three biggest challenges we consistently see across life insurance agents and agencies are building sustainable growth, creating operational efficiency, and finding the right support to scale.

Throughout this mastermind, you’ll walk through the different stages of growth and the key elements that become increasingly important at each stage:

– Systems & Processes

– Coaching & Leadership Development

– Community & Accountability

– Strategic Partnerships

Most agents end up trying to increase production while simultaneously building a business, which often creates bottlenecks and slows momentum. We’ll show you a model designed to help you scale intentionally while continuing to grow life insurance sales.

Where will it take place?

The 2026 Factum Business Owner Mastermind will be held at the Human Communications Institute, located at 9096 E. Bahia Drive, Suite 106, Scottsdale, Arizona 85260.

What is the schedule?

The event takes place on Thursday, November 5th from 9:00 AM to 5:00 PM, and Friday, November 6th from 9:00 AM to 1:00 PM. We’ll also be hosting an optional Q&A and networking session from 1:00–3:00 PM on Friday if you’d like to stick around and connect with our team 1-on-1.

How do I register?

Registering is simple! Just click one of the Register Now buttons on this page and follow the prompts to complete your payment details.

Is there a dress code?

We recommend business casual attire. Feel free to bring a notebook or electronic device to take notes, as you'll want to capture the wealth-building knowledge being shared.

If I am traveling from out of town, where should I stay?

We recommend staying at the Scottsdale Marriott at McDowell Mountains or Hilton Vacation Club Scottsdale Links Resort, which are about 5 minutes from the event venue.

Is the hotel stay included in the ticket cost?

No, hotel stay is not included in the ticket cost.

Factum's Money Back Guarantee

If you didn't find value in our mastermind, let us know by 12:00 PM on Saturday, November 7th and we'll refund you 100% of your ticket sale (flight and hotel stay not included).