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Arx Financial exists to help our clients discover a whole new world of stability.

When executed properly, the high premium, dividend-paying whole life insurance policies we provide can create the kind of passive income that will redefine the concept of retirement and financing your life at every stage of life.

Since 2018, our goal has been to create true financial freedom for our clients. Through the concept of Infinite Banking, we utilize dividend-paying whole life insurance as a means of meeting our clients' needs for finance throughout their lives. It's not about investments or rates of return, it's about creating a new perspective of finance meant to span generations.

Arx Financial has a trusted mentor...


James Neathery specializes in strategic financial advice based on decades of research and experience in the fields of finance and economics. James is a disciple and student of R. Nelson Nash, the creator of the Infinite Banking Concept®. He is also a student of the Austrian school of economics. James holds several designations, maintains multiple affiliations and is active in the financial services industry.

James Neathery


The team here at Arx Associates is here to assist you in helping you become your own banker and revolutionize your financial life.

Morgan Graham

Chief Administration Officer

Julie Osborne

New Business & Client Services

Born and raised in the historic town of Athens, Georgia, Matthew Graham is both a testament to commitment and the embodiment of relentless curiosity. A graduate of the University of Georgia, Matthew's early years were marked by serving his community as a martial arts instructor and as firefighter/EMT for Athens-Clarke County.  During the quiet moments of those late-night shifts at the firehall, a burning question emerged: "What am I missing financially that's holding me back?" and “Why do banks have so much power over us?” 


 Initially viewing banks as adversaries, he soon discovered the book Becoming Your Own Banker and realized the pivotal role banks played in economics. This revelation set him on a transformative path, leading him to the doors of the Nelson Nash Institute (NNI), and positioned him under the mentorship of James C. Neathery— a direct protégé of the IBC Founder, Nelson Nash. Now certified as a graduate from NNI's Infinite Banking Practitioner Program, Matthew seeks to lead and equip others to become their own bankers.


Settled in Athens alongside his loving wife, Morgan, and their two loyal dogs, Matthew strives to be an emblem of dedication, continuous learning, and unwavering faith in both his personal and professional endeavors. Above all, he's guided by a foundational code: to love God and love people; seeking to follow “the Way, the Truth, and the Life” and always welcoming feedback on his journey to do so.

Matthew Graham

Founder & CEO of Arx Financial

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