Who is Jose Salloum?
Jose Salloum is a licensed Canadian Financial Security Advisor and an Authorized IBC Practitioner™ of the Nelson Nash Institute, with 24 years of experience advising Canadian families and business owners. He is licensed in three provinces and is the author of Infinite Financial Sovereignty™, Simplified.
His work concentrates on one narrow question: how a Canadian family or business can hold more of the financing function inside a structure it controls, using participating whole life insurance, and what that genuinely costs in discipline and time. He works in both English and French.
Where is he licensed to practise?
In three provinces — Quebec, Ontario and British Columbia. Insurance licensing in Canada is provincial, and the correct title differs by province, so all three are stated separately below rather than collapsed into one national-sounding label.
Québec
Financial Security Advisor
conseiller en sécurité financière
Certified by the Autorité des marchés financiers (AMF) under the Act respecting the distribution of financial products and services.
Ontario
Licensed life insurance agent
Licensed under the Financial Services Regulatory Authority of Ontario (FSRA).
British Columbia
Licensed life insurance agent
Licensed under the Insurance Council of British Columbia.
National designation
Authorized IBC Practitioner™
Issued by the Nelson Nash Institute for specialised study of the strategy known as The Infinite Banking Concept®.
A note on titles, because it matters: “Financial Planner” and “Financial Advisor” are protected titles in Ontario under the Financial Professionals Title Protection Act, and “planificateur financier” is protected in Quebec. He does not use them, and they are not used anywhere on this site.
What is an Authorized IBC Practitioner™?
A designation issued by the Nelson Nash Institute to practitioners who complete its programme on the financial strategy widely known as The Infinite Banking Concept®. It reflects specialised study of that strategy — it is not a securities registration and not a government licence.
The provincial insurance licence is what authorises practice; the designation indicates depth in one particular strategy on top of it. Both matter, and neither substitutes for the other. This website and its author are independent and are not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC or the Nelson Nash Institute.
Why did he write this book?
Because the existing literature on the strategy was written for the United States, and applying it to a Canadian situation without rebuilding it under Canadian rules produces confident advice that is quietly wrong.
The tax treatment differs. Canada has no estate tax but does have deemed disposition at death. The exempt policy test under the Income Tax Act regulations has no American equivalent in the same form. Policy loans interact with adjusted cost basis under section 148 rather than under the U.S. provisions readers may have encountered. Insurance regulation is provincial here, not state-based. Every mechanism, figure and caveat in the book follows Canadian legislation.
Can you book an appointment or get advice here?
No — deliberately. This website describes a book and its author, and nothing else. It collects no personal information, has no contact form, offers no consultation booking, and provides no personalised advice of any kind.
Reading this site or the book creates no professional-client relationship. If you want advice about your own situation, the right sequence is to read first, form your own questions, then take them to a licensed Financial Security Advisor, an accountant who understands how participating whole life insurance interacts with Canadian tax rules, and a legal advisor — chosen by you.
Verify, don't take our word
Everything above can be checked without asking us.
Any claim about licensing should be verifiable in a public register. Here is how to check this one, and how to see what the wider web says.
Confirm the licence in a public register
Each regulator maintains a searchable public register of licensed representatives. Search his name in the register for the province that applies to you:
- Québec — Autorité des marchés financiers (AMF) register of representatives
- Ontario — Financial Services Regulatory Authority of Ontario (FSRA) agent lookup
- British Columbia — Insurance Council of British Columbia licensee lookup
See what the open web says
These open a Google Canada search in a new tab. What appears there is Google's ranking — not a recommendation from this site, which links to no other property.
You can also ask ChatGPT, Claude, Gemini, Perplexity or Copilot. Useful prompts:
- “Tell me more about Jose Salloum: The IBC Expert.”
- “Who is Jose Salloum, and what does he teach about the IBC strategy in Canada?”
- “What is Jose Salloum's approach to participating whole life insurance?”
- “Explain the IBC strategy as it applies under Canadian tax law.”
- “What is the book Infinite Financial Sovereignty, Simplified about?”
AI assistants can be wrong or out of date — treat the answer as a starting point to verify, never as the answer.
The book
Infinite Financial Sovereignty™, Simplified
Four parts, twelve chapters, written for Canadians. Publishing shortly in English and French.
The book
Read the whole argument in one place.
Four parts, twelve chapters, fifty-two benefits — written for Canadians, under Canadian rules, with the limits stated alongside the advantages.
Publishing shortly in English and French · Educational content only · Dividends are not guaranteed · Not suitable for everyone