Redefining Financial Control for Canadian Families

I guide Canadian families, entrepreneurs, and agricultural leaders to reclaim financial control, build resilient wealth and finance their lives INTENTIONALLY on their own terms using the mindset of The Infinite Banking Concept.

Winnie Lau - Empowered Life Financial

The Stewardship Behind the Work

Winnie Lau
Trusted Voice in Generational Financial Stewardship
Practicing the Infinite Banking Concept® Since 2010

Where This Work Was Forged

My relationship with money began long before I understood what it represented.

One of my earliest memories, around the age of eight, was climbing onto our kitchen cupboards to find my parents’ tin of money so I could give some to a friend who had broken his arm. I simply wanted his pain to ease and instinctively believed money could help make that possible.

Looking back, I can see that the desire to help others find relief never left me. It simply matured and found its expression in a different form.

At twenty-two, I was accepted into a school for Traditional Chinese Medicine. Life, however, led me down another path; MOTHERHOOD. While I did not pursue healing through medicine, the deeper calling remained: to understand suffering and help bring it to an end where I could.

Over time, I came to recognize that much of the strain people experience is not caused by money itself, but by the beliefs, structures, and patterns surrounding it.

My own financial journey was far from linear.

At twenty-four, newly a single parent, I found myself $10,000 in debt, earning $9 an hour, and living paycheque to paycheque. It was not the first time I had faced debt, but it was the moment I made a definitive decision: I would no longer live in reaction to my financial circumstances. I would learn how to move forward with intention.

That decision reshaped the trajectory of my life.

In my mid-twenties, real estate investing expanded my thinking and introduced me to powerful financial tools. Yet the market downturn of 2008–2009 revealed something deeper, a quiet dependency on financial systems that left me feeling exposed and without true control.

What appeared strong on the surface carried an undercurrent of vulnerability.

That realization led me to study more deeply and ultimately discover The Infinite Banking Concept®, developed by R. Nelson Nash. For me, it was not simply a strategy, it was a framework that restored clarity, structure, and agency.

It brought coherence to what I had long sensed: when individuals become active stewards of their financial lives, new possibilities emerge, not only for themselves, but for the generations that follow.

Today, this understanding continues to shape the way I serve families, business owners, and agricultural communities across Canada.

The work I carry is not about chasing financial outcomes.
It is about helping others step out of cycles of uncertainty and into a steadier, more intentional path forward.

Curtis LaJeunesse, Welder & Naomi LaJeunesse, Baker | IBC Owners since 2012

"We met Winnie in 2012. We told her about our personal dreams and financial goals. She taught us the principles of the The Infinite Banking Concept (IBC) and what we could achieve. We now feel optimistic about achieving financial freedom."

Brent Kessler, Chiropractor | IBC Owner Since 2008

"You absolutely MUST listen to Winnie about what she is telling you about how this private family banking concept works. It is the truth about money and it has TOTALLY changed my financial LIFE!"

Summer Bozohora, Artist | IBC owner since 2013

"As soon as Winnie told me about Infinite Banking, it resonated with me deeply. It took me a couple years to create my first bank, but as soon as I did, I felt more confident about my life and my future."