Instead of sending your savings and your interest payments to outside institutions, you build a pool of money you control and use it for life's big purchases.
THE SHORT ANSWER
What is private family banking?
Private family banking is a strategy where a family builds up a pool of money, usually inside a dividend-paying whole life insurance policy, and borrows against it for big purchases instead of going to a bank. Repayments flow back into the family's own system, so the capital keeps working across generations.
THE CYCLE
Your money keeps working, even while you use it.
1→
Fund
Build a pool of capital inside a properly structured policy.
2→
Grow
Your base grows steadily and is designed to be protected from market swings.
3→
Borrow
Use your capital for cars, homes, business, or education.
4↺
Repay & repeat
Pay yourself back on your terms and keep the cycle going.
Simplified for illustration. How your plan is structured depends on your goals, and we'll walk through every detail with you one-on-one.
WHAT YOU NEED
Just three things to get started.
We help with all three, including finding money you didn't know you had.
1
EducationUnderstand the concept. That's why you're here.
2
A planBuilt one-on-one with Chris around your goals.
3
Initial capitalWe'll show you how to find the money.
WHO IT'S FOR
From college students to multimillionaires.
College studentsYoung familiesBusiness ownersReal estate investorsPre-retireesHigh-net-worth families
QUESTIONS
Frequently asked
Is this an investment product?−
Family banking is a strategy, not a single product. It typically uses specially designed, dividend-paying whole life insurance as the foundation. We'll explain exactly how it works for your situation.
How much money do I need to start?+
There's no single number. Part of our process is helping you find money you may already have in cash flow, savings, or payments you could redirect.
Is this only for wealthy families?+
No. We've worked with everyone from college students to multimillionaires. The principles scale to where you are now.
Will I be pressured to buy something?+
Never. Education comes first, and we have enough clients asking for help that we don't need to be heavy-handed.
What happens on a strategy call?+
Chris walks through the concept live, answers your questions, and outlines what a plan could look like for you. No obligation.
