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Factum Financial
David Zapata

4860 E Baseline Rd Suite#107 Mesa, AZ 85206

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About the company

David was born and raised in Colombia, South America. After having the opportunity to immigrate to the United States in 2006, he obtained his bachelor’s degree in Mechanical Engineering from Purdue University and his master’s degree from University of Cincinnati. David has spent the last 10 years working in corporate America in the commercial and military aviation industries.

David’s life and career experiences helped him immediately understand the impact and power that the Infinite Banking Concept (IBC) offers those who want to control the process to finance their lifestyle and business. The traditional idea of waiting until retirement to manifest dreams, opportunities and experiences, becomes obsolete when one finds the power of the Infinite Banking Concept as a path to live life fully today while building a legacy.

The concept is appropriately coined as “Infinite” because it allows individuals to manifest their unique desires and lifestyle through financial freedom and control. Through Infinite Banking, David has been able to finance hobbies like travel, triathlon racing and endurance sports. He has used his banking system to recapture non-productive debt, strengthen his family’s financial statement and acquire assets to continue build his investment portfolio.

The Infinite Banking Concept is for everyone that is willing to educate themselves about the mindset, process and products required to build a private banking system. David’s ideal clients are individuals and business owners who are curious and open to learning new ideas and perspectives. They are eager to take ownership of their financial destiny and want to understand the principles of wealth stewardship to build a legacy for future generations.

David lives in Carlsbad, CA with his wife Sarah. He is a licensed life insurance professional in multiple states around the United States. David enjoys studying macroeconomic trends and financial markets, practicing endurance sports, and traveling around the world and visiting National Parks with his family.


Term Life Insurance

  • This is one of the most common life insurance policy types that people associate with insurance. If you are trying to contextualize what term life insurance is like, think of it as renting a home instead of buying one. You will still have the benefit of having protection, but you are not necessarily building up any equity.


  • A term life insurance policy is one that you have for a set period of time until the policy expires. Usually, you can buy term policies that last from 10-30 years. You will receive a price at the beginning of the policy, and this will be the fixed premium that you pay until the policy term ends.

Permanent Life Insurance

  • Also known as whole life insurance, permanent life insurance is an enduring policy that builds wealth for you as you pay into it. This is equivalent to building equity in a home. Within this area of life insurance, there are many types of products. We will cover each of these products below.

Traditional Whole Life Insurance

  • A traditional whole life insurance policy offers you a guaranteed death benefit along with a savings component that helps you build wealth. In a nutshell, you make your policy payment every year, and the company pays you dividends over time that get credited to your cash value. This becomes a type of bank account for you to draw from as you need money. You also get lifetime coverage for this type of policy in a guaranteed contract.


Contact Info


Jake and Joe SharpJake and Joe Sharp

Factum is always about treating their customers the best they can!! The customer experience is insane!! The value they provide is worth everything and more. Go check them out they can change your lives

Phil RogersPhil Rogers

Factum Financial is a great source for knowledge. Their videos and book recommendations and emails are all designed to help me make the best and most informed financial decisions I can. Their customer service is ridiculously good. Professional and prompt and accurate and still so patient and personal that they feel like family.

Bianca BoehmBianca Boehm

I have known Tarisa for about 10 years and she is one of the smartest women I know. She’s always been financially savvy so when we spoke about potentially opening a policy I was all ears. I have to admit I was hesitant at first about this venture as a full time single mom thinking I wasn’t able to financially handle such a thing. Tarisa took the time to break down the benefits of opening a policy, she explained how it wasn’t just a depressing life insurance policy but a foundation of HOPE for the future. She taught me how this would create the foundation of a legacy for my daughter and I and the generations of our family yet to come. I grew up in a middle class household like most have and I wanted better for myself and Tarisa opened my eyes to a whole world of opportunity and I am excited to be able to do the things I want for MY life with the banking system while also knowing that when my time comes, my daughter will be set up with more assets than I could have ever imagined having while growing up. I am forever grateful for the knowledge Tarisa shared with me and the time she took to reassure me and patiently explain and debunk the “normal” way of handling finances.

Ellie PruettEllie Pruett

I’m so thankful for this team. Monty was the first person I connected with at Fanctum when I decided to start my whole life policy. I had done lots of reading and podcasting to the point I was comfortable with diving in. I’ll never forget feeling the excitement to start and instead of trying to sell me products I didn’t want or need and taking advantage of my excitement, Monty suggested more reading material. I knew then and on, that my family and I would be in great hands. I have had the absolute pleasure of working with this team and could not recommend a better team to work with. They are truly dedicated to educating first and have empowered my family and I to better our financial futures.

Ty LuskTy Lusk

I've had an incredible experience with Factum Financial. I'm a client, partner and advocate. I appreciated the education and patience while I learned more along the way. I've recommended Factum to several others and will continue to refer Factum.


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