NNI Leadership

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David Stearns Co-Director

David Stearns is Nelson Nash's son-in-law. Nelson recruited David to help with the administrative side of Infinite Banking Concepts, LLC in June 2004. Nelson asked David to takeover the company to continue the IBC legacy in 2009.

David retired from the U.S. Army as a Lieutenant Colonel. David served 27 years in the Army, first as a field artillery officer, then as an Army aviator. As with all military officers, he had a variety of assignments including command, operations, safety, and systems analysis/operations research. David served throughout the Continental U.S. and world-wide with a long tour in Egypt and multiple deployments to Germany, Korea, and Kuwait.

David is the President of Infinite Banking Concepts LLC which controls the distribution of Becoming Your Own Banker and Infinite Banking Concept materials, copyrights and trademarks. IBC LLC manages the administrative activities of the Nelson Nash Institute.

David has been a Director of the Nelson Nash Institute since the formation of the Institute in 2013.

David graduated from Buffalo State College in 1975, and received a Masters of Public Administration from Auburn University, Montgomery in 1992.

He has been married to Kimberly Nash Stearns since 1979. They live in Birmingham, Alabama and have four children and nine grandchildren.


L. Carlos Lara Co-Director

L. Carlos Lara is President of United Services and Trust Corporation headquartered in Nashville, Tennessee since 1976. United Services and Trust is a consulting firm specializing in corporate trust services, business consulting and debtor-creditor relations. The firm’s primary services are capital formation and business reorganizations.

Lara has held all the required licenses as a Registered Broker-Dealer and member of the National Association of Securities Dealers (NASD). His background makes him a regular speaker at credit management symposiums and conferences. During the 1980s he taught classes on credit management to credit executives seeking the ABCE accreditation, now the Certified Credit Executive (C.C.E.), for the National Association of Credit Management (NACM).

He is a passionate advocate of Austrian Economics and frequently writes and speaks on the subject. In 2010 he co-authored How Privatized Banking Really Works with economist Robert P. Murphy. Together they publish the Lara-Murphy Report, a special on-line economic research and reporting newsletter for financial professionals.


Jayson Lowe Advisor to the Board

Jayson Lowe is a distinguished CEO leading Ascendant Financial Inc., a Managing General Agency (MGA) in Canada, and LifEVA in the United States, both specializing in the Infinite Banking Concept.

Jayson brings a wealth of IBC experience, exceptional business leadership skills, and proven track record of serving the Practitioner Community.  He attributes his success to his mentorship from Nelson, which blessed him beyond measure for several years.

Since 2008, Jayson has dedicated himself to helping Advisors and Consumers to understand and successfully implement the process of Becoming Your Own Banker.  His deep understanding of the essence of IBC, gained from Nelson's invaluable mentorship, has enabled Jayson to serve as a leader and coach to many successful Practitioners who’ve become top producers.

As he takes up his contributing role at the Institute, Jayson's leadership and extensive business development experience will be an invaluable asset to the Institute's journey of building a bigger future and Team.

If you would like to contact Jayson, he would be delighted to hear from you and can be reached at [email protected] or 780-809-4599.

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Richard Canfield Practitioner Council Member

Richard Canfield Joined the Practitioner program when it launched in 2013. Richard was introduced to Becoming Your Own Banker in 2009 thanks to his friend and colleague, Jayson Lowe. It changed his life forever. In 2012, he attended his first IBC Think Tank and Nelson Nash's live 10-hour seminar, meeting Nelson for the first time. Getting to know Nelson Nash before passing in 2019 has been one of Richard's greatest joys.

He has been actively involved in the community as a Mentor for other practitioners, a regular attendee, a speaker and even the master of ceremonies at Annual Think Tank events.

In 2018, Richard was invited to participate in making what would become the Documentary film celebrating Nelson's message of financial hope. This is Nelson Nash: Creator of The Infinite Banking Concept, which has been watched over 250,000 times since its public release in June of 2019.


Mary Jo Irmen Practitioner Council Member

Mary Jo was introduced to Infinite Banking in November of 2010. Within a month of hearing about this she quit her job and pursued this as a career full time. February 2011 was the first think tank she attended and met Nelson and Mary as they stood by the conference room door welcoming people. Nelson said to one of the other attendees, “She’s a spit fire.”

Mary Jo has only missed one think tank since that time. She has written two books, with Nelson’s blessing, on IBC, meant to accompany Becoming Your Own Banker, not replace it and  hosted Nelson several times and had him speak at her events. Mary Jo is very dedicated to Nelson’s mission and a true advocate of the Infinite Banking Concept, as she says, “ I eat, sleep and breathe IBC.”

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James Neathery Practitioner Council Member

Fort Worth, Texas, native James C. Neathery is a leading life insurance professional and General Agent in North America with over thirty-two years of experience. He is a strong advocate, disciple, and student of the late R. Nelson Nash and is an Authorized Practitioner of the Nelson Nash Institute.

James holds several designations and maintains multiple affiliations.  To name a few, he is a qualifying, lifetime member of the Million Dollar Round Table (MDRT) and has multiple qualifications as a Court of the Table member and a Top of the Table member;

Chairman of the Field Advisory Council for Lafayette Life Insurance Company;

Board Member of the Apologetics Resource Center (ARC);

Executive Producer of the Banking With Life documentary; and Host of the Banking With Life podcast, the longest-running podcast on the Infinite Banking Concept®.

In addition, he is the CEO of James C. Neathery & Associates, Inc., where he and his team have provided excellent financial advisory services and successful guidance to thousands of clients.

Over the years, James has helped those clients protect millions of dollars in wealth and assets through several boom and bust cycles in the U.S. economy.


Bruce Wehner Practitioner Council Member

When advising clients, e3 Wealth Cash Flow Specialist Bruce Wehner draws upon more than 30 years of financial and investment education. As one of the original Infinite Banking practitioners, Bruce was mentored by founder Nelson Nash, giving him a unique perspective on NNI’s founding philosophy, in addition to the many strategies and applications possible with the Infinite Banking approach.

Bruce excels at simplifying the many complexities of a client’s financial situation, enabling them to make the right decisions for their specific future. Because of his innate coaching abilities, he is often sought after by colleagues and community leaders for counsel. As co-host for The Money Advantage podcast, Bruce educates people from all over the U.S. and beyond.

Dividing his time between his hometown of St. Louis, Missouri and Buckeye, Arizona, Bruce and his team serves clients all over the U.S.  An avid golfer and community leader, Bruce has served many civic and private organizations in volunteer and leadership roles


Tim Yurek Practitioner Council Member

Tim Yurek is a highly accomplished financial consultant, veteran, and thought leader in his industry. As the founder and CEO of Tier 1 Capital, he has spent over 35 years helping thousands of families across the country achieve their financial goals. His expertise includes growing businesses, attracting/retaining top talent, planning for business succession and converting business equity into cash.
Tim’s success in the financial consulting field has been recognized on a global level, as evidenced by his seat at the Million Dollar Round Table - an independent association of the world’s leading life insurance and financial service professionals. He has also earned the distinguished honor of being designated as “Top of the Table” within the organization 10 times, which places him in the top 1% of professionals in his industry worldwide.
With his extensive experience and impressive track record, Tim is well-positioned to offer valuable insights and strategies to his clients. He is committed to helping them achieve financial freedom by minimizing risk, increasing accessibility, and putting them in control of their money. His expertise and dedication have earned him a reputation as a trusted advisor and mentor to many, and his insights have been featured on major media outlets such as Bloomberg TV.