Welcome to our website.
We're a team of Infinite Banking coaches from across Canada, working together to help farm and business families take back control of their capital.
Our Purpose
To make farm financing stress-free, tax-free, and bank-free—by building self-reliant, multi-generational capital systems.
We’re here to help farm families like yours finance everything—equipment, inputs, retirement, and legacy—on your own terms.
Using a quiet but powerful strategy called Infinite Banking, we help you redirect lost interest back into your family wealth system.
Come, meet us at
Booth # AG010, FCC Ag Pavilion
July 15-17, 2025
Why Self-Financing?
Let’s take a closer look at the real cost of traditional financing…
The interest you lose is the wealth that you never build.
Farm families finance everything—either by paying interest or by giving up interest. Either way, that money is gone.
With Self-Financing, we help you:
Turn cash into compounding capital
Capture interest you’re already giving away
Build tax-free retirement income
Create a legacy that passes on peace, not problems
As per Statistics Canada, from 2015 to 2023, Canadian farmers paid $30 billion as interest expense.
In 2023 alone, this number was $5.3 billion.
How it Works : Structured Compounding
You build strength first—then use it.
Before you spend your cash… it must compound.
We help you structure Participating Dividend Paying Whole Life Insurance Contracts as the foundation of your self-financing system. These powerful unilateral contracts offer:
Contractual guarantees
Daily, tax-free, risk-free growth of your equity (Cash Value)
Uninterrupted compounding
Policy loans up to 90% of Cash Value, with no underwriting
Tax-free windfall + corporate Capital Dividend Account (CDA) benefits
Your cash must be engineered to compound—before it’s ever deployed. It’s that simple.
Wondering How This Plays Out in Real Life?
We’ve prepared a simple case study showing how one Saskatchewan farm family redirected $750,000 in equipment spending into $3.8 million in capital—for themselves and future generations.
It’s not theory. It’s strategy, structure, and a simple shift in how they used money they were already spending.
Download the full story here and see how this farm family made their money work for generations.
Disclaimer : The case study shared is for illustrative and educational purposes only. It does not constitute insurance, tax, or investment advice.
Why Families Choose to Work With Us
We’re not here to pitch a product. We’re your Capital Coaches—helping you build a self-financing system that compounds strength for generations.
Every family’s situation is different. We help you by:
Custom-building capital strategies aligned with your farm’s cashflows and family’s goals
Constructing strong Cash Values - the most trusted loan collateral that banks love
Giving you access to tax and estate planning specialists - at our cost
Offering lifelong mentorship and coaching—not just one-time advice
Meet the Team
Satish Mehra
Personal Capital Strategist | Empowerment Coach | Championing Financial Sovereignty through Infinite Banking
Founder: First Principles Capital Strategies Inc.
Born in India and now based in Canada, I’ve lived and worked across the UK, Qatar, and the UAE. I come from a large entrepreneurial Indian family and today I’m a devoted husband and father of two. This mix of global experience and generational grounding shapes my approach to life and capital.
With an MBA from London Business School and a background in investment banking and private equity, I’ve seen how compounding builds wealth for banks - not families. That insight led me to build something different. I now run First Principles Capital Strategies Inc., a coaching-led advisory firm licensed in Alberta, Saskatchewan, and Ontario.
As a certified hypnotherapist and Life Empowerment Coach, I believe money mirrors our values. My work blends strategic capital design with personal clarity. Infinite Banking is not theory for me—my family lives it. I offer education-first guidance, custom strategies, and lifelong coaching to help you build financial sovereignty.
Ryan Frey
Personal Capital Strategist | Infinite Banking Practitioner
Founder: Evernorth Financial
Born and raised in Medicine Hat, Alberta, Ryan Frey brings a unique perspective to the world of financial planning. After spending a decade in the film industry, he transitioned to financial services in 2008 with Sun Life, where he began helping individuals and families protect and grow their wealth.
In 2020, Ryan co-founded Latitude Wealth Management, focusing on insurance and retirement strategies. His path took a transformative turn in 2023 when he was introduced to the Infinite Banking Concept. Recognizing its unmatched potential—especially for farm families—he pivoted his entire business to focus exclusively on educating people on how to implement this powerful strategy.
Today, Ryan lives in Calgary, Alberta - leading Evernorth Financial, a firm dedicated to helping Canadian farmers and entrepreneurs regain control of their money, reduce dependency on banks, and build intergenerational wealth through the Infinite Banking Concept.
What’s Next?
This isn’t about making a big decision today. It’s about taking a small but intentional step toward a more empowered financial future. Because everything begins with how we think, building a brighter future means first rethinking the way we approach money, control, and capital.
Here are two simple ways to begin that journey:
Step 1: Read the Book That Started It All
And, discover the mindset and method behind the Infinite Banking Concept—told by the man who created it.
Buy your copy here
Step 2: Book a 30-Min “Meet & Greet” With Us
We will explore how this process could work for your farm, your business, or your family. No sales. No pressure. Just clarity.