Chris
Cotrell
CFO & Advisor
I guide families and business owners to replace bank dependency with a system designed for freedom, continuity, and generational impact.
Balancing business, family, and complexity. People don’t need more noise; they need a system.
Chris
Cottrell
CFO & Advisor
I guide families and business owners to replace bank dependency with a system designed for freedom, continuity, and generational impact.
Balancing business, family, and complexity. People don’t need more noise; they need a system.
On paper we were winning
I spent over a decade building a construction services company in Calgary. On paper, we were winning. But every growth step meant more debt, more approvals and less control.
A rejected credit line made it undeniable: profit isn’t power if someone else controls the cash.
Vern introduced me to Infinite Banking. We shifted our fleet into a Family Banking System, financing vehicles on our terms and recapturing interest. The day we paid off a $60,000 truck and immediately accessed the capital again, it stopped being theory and became freedom in practice.
The ripple effects went home too. My kids opened their own policies and started learning real stewardship. Control went up. Stress went down. That clarity turned into a calling.
Turning big ideas into clear priorities
As a co-owner, I keep our work simple, human, and on-mission. I make sure we serve people first by turning big ideas into clear priorities the whole team can execute. I protect the culture with plain language, clean decisions, and promises we can keep so every interaction feels steady and trustworthy.
As an advisor, the real picture comes first: how life and business actually move for you, what’s pressing now, and what being in control really means to you. From there, we translate that into a straightforward plan you can act on.
I help you decide what to do first, what to pause, and what to ignore. We work in short, focused cycles so progress stays visible, and I hold the line on the few moves that matter most. You’ll always know what we’re doing, why it matters, and how we’ll measure it.
The result is a calmer operation, more options when you need them, and decisions you can stand behind.
Outcomes
Clarity
Know what to do next
Ownership
Move from bank-dependent to client-owned
Momentum
Simple steps, compounding over time
Confidence
Make decisions you can stand behind
Our Process (At a Glance)
Fill intake form → confirm readiness
Discovery call → define goals & context
Design → policies, reserves, deployment
Ongoing support → track, adjust, repeat
