Meet Jim Oliver
Jim Oliver is the world’s foremost authority on the Infinite Banking Concept® (IBC) and a lifelong advocate for financial freedom. Raised in the foster system in inner-city Los Angeles, Jim’s drive to understand wealth began early—and has defined his career ever since.
Jim’s journey began in 1988 when he founded Creative Financial Services, which grew to over $700 million under management. After years of traditional financial advisory, he realized the results weren’t delivering the freedom people were promised. That led him to exit the conventional industry and fully embrace IBC under the mentorship of the late R. Nelson Nash, the pioneer of the Infinite Banking Concept.
In 2007, Jim founded CreateTailwind with a single mission: to teach people how to take control of their money and break free from the shackles of Wall Street, big banks, and excessive taxation. Jim has personally used IBC to start or acquire more than 30 businesses and he continues to use IBC every day in his own life. He is the author of two books: Make Bank Without the Bank (2023) and Ownershift (2025), both focused on helping readers rethink money, reclaim control, and build lasting wealth.
Meet CreateTailwind
CreateTailwind (CTW) is a national financial education and coaching firm that helps entrepreneurs, investors, and business owners break free from traditional financial thinking and take control of their money through the Infinite Banking Concept®. Founded in 2007, CTW serves clients across all 50 states, delivering education, strategy, and support almost entirely virtually.
CTW isn’t here to manage your money—we’re here to teach you how to master it. Using the principles of IBC, we help clients create their own private banking systems, finance their own investments, and build portfolios of cash-flowing assets. Our goal is simple: to shift the way you’ve been taught to think about money and show you a more stable, profitable path to financial freedom.
Working with CreateTailwind
At CreateTailwind, our mission is to educate. We’re here to help you unlearn the old, broken system of chasing rates of return and relying on big banks—and instead, show you how to build a stable, long-term financial strategy that puts you in control. We call this transformation the “Ownershift,” and it’s how our clients stop trading time for money and start building real wealth.
The foundation of Infinite Banking is a custom-written, high-premium, dividend-paying whole life insurance policy from a mutual insurance company. This isn’t just any policy—it’s carefully designed to maximize cash value, provide immediate liquidity, and serve as your personal banking system for life.
With over 37 years of relationships with top-tier, vetted mutual insurance companies, we know exactly which carriers support Infinite Banking and have the financial strength and track record to support your system long into the future. Together, we can build a private financial infrastructure that supports your goals, now and for generations to come.
