Reform Your Banking,
Reform Your Life.
Build your family economy on a stable foundation
The Problem
The Problem Is Not Just Debt
The Problem Is Loss of Control
Most families are told to spend less, save more, and trust the system. But the deeper issue is that your family economy is constantly drained by a financial system you do not control.
Taxes Reduce Income
A portion of every dollar earned is redirected before it can serve your household
Inflation Weakens Savings
The dollars you store lose purchasing power every year to a system built for someone else.
Debt Payments
Future income already pledged to another institution before you earn it.
Bank Interest
Every interest payment you make capitalizes the lender’s system, not yours.
Qualified Accounts
Your money grows inside a system whose rules, timing, and penalties you don’t control.
The Principle
What Is the Banking Function?
The banking function is the process of storing, deploying, and repayment of money. Every family performs this function — the only question is whether they perform it for themselves or for someone else.
Store Capital
Build a reserve for future needs and opportunities.
Deploy Capital
Access your stored capital and put it to work when needed.
Replenish Capital
Repay what you used or the system runs out.
“Controlling the banking function personally is the most important thing that can be done in your financial world.”
— R. Nelson Nash, author of Becoming Your Own Banker
The Solution
You Are Already Financing Everything You Buy
If you don’t know who controls the banking function in your life, then it isn’t you.
This important question determines who profits. Watch this short video to see how the banking function works — and how you can reclaim it.
No jargon. Just the concept explained plainly.
Start Learning
Learn the Concept Before You Make a Decision
What is IBC?
Understand the fundamentals, the history, and how IBC works
Buy Nelson’s Book
Read the definitive resource on the Infinite Banking Concept.
Frequently Asked Questions
Get answers to the most common questions about IBC.
Built for the Covenant Economy
Serving Those Called To Steward
A covenant economy is one built on faithfulness — to God, to family, and to the generations that follow. Reformed Finance exists to help Christians build that kind of economy by reclaiming control of the banking function.
This is not financial planning detached from faith. It is stewardship applied to capital, cash flow, and legacy.
Heads of Household
Lead your family’s economy with wisdom and long-term thinking.
Business Owners
Strengthen your business, protect what you built, and leave a lasting legacy.
Churches
Steward resources well and build financial resilience as you advance the kingdom.
Know well the condition of your flocks,
and give attention to your herds,
for riches do not last forever;
and does a crown endure to all generations?
Proverbs 27:23-24
A Confession of Faith. A Call to Reformation
Stewardship is not merely budgeting. It is a duty. Christians are called to be faithful with what God entrusts to them — protecting it, growing it wisely, using it responsibly, and preparing to pass it on.
Reformed Finance exists to help Christian families, business owners, and churches answer that call — by reclaiming the banking function and building a family economy on a foundation that lasts.
Who Is Behind Reformed Finance
William Fullington is the founder of Reformed Finance and a Nelson Nash Institute Authorized Practitioner. As a retired Air Force officer, licensed life insurance producer, and Ruling Elder at Grace Covenant Reformed Church in Clovis, NM, he approaches IBC not as a financial product — but as a biblical discipline. He helps Christian families, business owners, and churches reclaim the banking function on a foundation that lasts.
Ready to Reclaim the Banking Function?
It starts with a conversation. No obligation, no pressure — just clarity.
1. Schedule a Free Call
Ask questions and learn if Reformed Finance is the right fit
2. Build the Foundation
Understand the banking function before applying it to your situation.
3. Implement the System
Build a private banking system that works for your family or business.