Unlock Your Financial Potential to Fund Your Ideal Life
Despite having some of the highest incomes in the world, most Americans experience constant financial pressure due to weak savings habits and limited access to liquidity.
At Factum, we’ve identified two key reasons why:
At Factum, we empower individuals and families to alleviate financial pressure by building TOUGH MONEY Habits—habits that create control, certainty, and long-term financial success.
To build TOUGH MONEY, you need to answer the FIVE most important financial questions:
Q1: Do you know how much you should be EARNING in passive income to live the life you have always wanted?
Q2: Do you know how much you should be SAVING to achieve your passive income goal?
Q3: Do you know how much you should be HOLDING in cash reserves to guarantee your protection and opportunities when events happen?
Q4: Do you know if the current environment where you hold your money is MAXIMIZING THE BENEFITS you deserve?
Q5: How would you rate your current MONEY MANAGEMENT HABITS?
If you don’t have clear answers to these questions, you’re not alone.
That is why Factum exists—to help you develop TOUGH MONEY Habits that lead to having the TOUGH MONEY EFFECT in your life.
By partnering with you, we believe we can build stronger, lifelong relationships that support your ongoing success. Together, we will lead the way toward a more secure financial future.
What sets us apart is our unrelenting focus on education. We provide you with deep insights into the flaws in the current financial system, without you ever feeling like you've been "sold".
Education based on truth leads to financial awareness. When you understand your finances, you’ll know exactly what to do.
We teach you how to apply financial principles using our exclusive systems, processes and tools to help you develop tough money habits and build wealth with certainty.
Our unique approach to wealth building empowers you to achieve results quickly and effectively, supported by a community dedicated to building tough money.
Served
Families
Created
in Protection & Legacy
Maintained
Client Renewal Rate
We are proud to endorse OneAmerica Financial as our primary insurance carrier for Whole Life and Infinite Banking. This endorsement is grounded in OneAmerica’s exceptional attributes and alignment with our core values.
Why OneAmerica Financial?
A Legacy of Excellence
OneAmerica Financial is a mutually owned, multi-billion-dollar company with over 100 years of operational history. Their long-standing commitment to stability and performance is exemplified by their consistent payment of dividends for over a century. Their top-rated status among financial institutions underscores their reliability and strength.
Aligned Core Values and Innovative Solutions
OneAmerica Financial's core values resonate deeply with our own, emphasizing integrity, customer focus, and long-term success. Their leadership’s personal belief and ownership in Whole Life Insurance reflects a profound belief in the products they offer.
Their Whole Life policies feature some of the strongest guarantees, ensuring a secure foundation for you. Additionally, the flexibility of Paid-Up Additions (PUA) premiums allows for tailored financial strategies, while their monthly cash value reporting provides transparent and timely insights into your policy’s performance.
By choosing OneAmerica Financial, you are aligning with a partner that combines a rich heritage of excellence with forward-thinking solutions.
How We Chose a Carrier
2025 Factum Financial. All Rights Reserved.