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    • What Is Asset Protection?
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  • 7 Pillars
    • What Is Asset Protection?
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What Are the 7 Pillars?

The Foundation of a Strong Private Banking Strategy

The 7 pillars are the foundation of our Private Banking Strategies system. They are designed to help you protect assets, grow money tax-free, maintain privacy, control financing, and preserve legacy value.

The goal is simple: keep more of what you earn, put your money to work more than once, and build a system you control.

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7 Pillars of Private Banking Strategies

illustrations of a dollar in the middle of shield with a padlock

1. Asset Protection

Asset protection is the first pillar because it is not what you make that counts. It is what you keep. Properly structured, a private banking system can place cash value inside a protected financial vault. That matters for business owners, investors, and families who have worked too hard to leave exposed assets sitting in vulnerable places.

Illustration of money growing

2. Tax-Free Growth

Money inside a properly structured private banking strategy can grow tax-free. That means the growth is not being interrupted year after year by unnecessary taxation.

This is one of the key reasons we use specially designed whole life insurance contracts as the foundation of the system.

illustration of a lock and shield with check mark

3. Financial Privacy

Financial privacy means keeping your financial life out of places where it does not belong. Private Banking Strategies helps clients structure assets in a way that is more private, more controlled, and less exposed than many traditional financial arrangements.

illustration of a rocket taking off

4. The “Velocity of Money”

The velocity of money is the ability to use the same dollar more than once. Most people earn a dollar, pay tax, spend it, and then watch the bank get it back. Our system is built around changing that flow so your money can return to your own banking system and be used again.

Common uses include:

  • Financing business equipment
  • Purchasing real estate
  • Paying down debt
  • Funding opportunities
  • Managing family expenses
  • Creating retirement income
illustration of a bag full of money

5. Guaranteed Compounding Tax Free Growth

Compounding works best when it is uninterrupted. With Private Banking Strategies, policy cash value can continue compounding while you access liquidity through policy loans. That is a major difference from traditional accounts where removing money often interrupts growth.

illustration of a hand and an arrow around a money symbol

6. Guaranteed Financing

Guaranteed financing means having access to capital when you need it, without relying entirely on banks, lenders, or market conditions.

Your private banking system gives you control over financing decisions, repayment terms, and the opportunity to recapture interest that would otherwise leave your financial life.

illustration of your money working for you on a generational level

7. Legacy Value

Legacy value is about passing wealth to the people and causes you care about. 

A properly structured system can create tax-free death benefit value for beneficiaries while also giving you access to cash value during life. That combination is one reason the 7 pillars work as a complete financial system rather than a single-purpose account.

Frequently Asked Questions
About 7 Pillars

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How Do the 7 Pillars Work Together as a Complete Financial System?

The 7 pillars work together by giving every dollar a job.

Asset protection helps preserve the capital. Tax-free growth and guaranteed compounding help it increase. Financial privacy keeps your affairs more controlled. The velocity of money and guaranteed financing help you use the same dollars again and again. Legacy value helps transfer wealth efficiently.

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What Could Your Financial Future Look Like With All 7 Pillars Working Together?

Your financial future could become more private, more protected, and more controlled.

Instead of sending money away permanently, you can begin building a system where capital returns to you, grows tax-free, and remains available for business, investment, retirement, and legacy planning. That is the purpose of the 7 pillars.

Recent 7
Pillars Podcasts

A bank vault being open with gold light shining through the crack

Episode 160 – The Wealth Engine: Managing Private Bank Transactions for Maximum Returns

With a properly structured private family banking system, you can build cash value, capture compound interest, and maintain liquidity—all while creating a reliable source of self-financing. However, without accurate documentation, even the most well-designed system can lose efficiency and long-term performance. Developing disciplined record-keeping strengthens risk management, enhances financial control,

Read More »
March 31, 2026
A bank vault opened with gold light shining through the opening

Episode 101 – Unlock Your Financial Goldmine – Part 1

Most business owners overlook the massive financial losses slipping through their fingers. Here’s the bottom line: your business likely generates enough cash flow to achieve financial independence, but instead, banks are profiting from your hard work. The solution? Implementing a Private Banking Strategy that empowers you to maximize the value of every dollar—again and

Read More »
January 9, 2025
A bank vault opened with gold light shining through the opening

Episode 71 – How Safe Is Your Cash In a Traditional Bank Account?

Many people think that a bank account is the safest place for their money. But what happens to your funds if the bank goes under? If you’re worried about bank failures, you may need to reconsider where to keep your savings. In this episode, Vance Lowe and Seth Hicks, Esq.,

Read More »
May 7, 2024
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Recent 7
Pillars Posts

A colonnade of seven stone pillars

An Introduction to the 7 Pillars of Private Banking Strategies

The 7 Pillars form a proven framework for protecting wealth, creating tax-free growth, and building a private banking system that compounds and transfers wealth across generations. By Vance D. Lowe RFC, ChFC, CLU   Most people spend their entire lives earning money, yet very few ever gain control over how

Read More »
June 15, 2026
A private banker growing money.

The Ultimate Private Family Banking Guide

A comprehensive guide to structuring a private family banking system that protects capital, generates tax-free growth, and builds a multi-generational financial legacy. By Vance D. Lowe RFC, ChFC, CLU   For over four decades in the financial arena, I have watched successful families accumulate substantial wealth—only to leave it exposed

Read More »
March 1, 2026
A closeup of george washington on us currency

How to Create Your Own Privatized Banking System

By Vance D. Lowe RFC, ChFC, CLU In an era where traditional banking systems often fall short of meeting the unique financial needs of high-net-worth individuals, the concept of privatized banking emerges as a compelling alternative. By harnessing the power of high cash value whole life insurance, affluent clients can

Read More »
September 1, 2025
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Private Banking Strategies
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539 W. Commerce Street
Suite 5208
Dallas, TX 75208

P: 817-200-4777

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  • Cash Flow Banking with Life Insurance
  • Dividend-Paying Whole Life Insurance
  • Family Banking System
  • Infinite Banking System
  • Life Insurance Retirement Plan
  • Private Banking Strategies
  • Privatized Banking
  • Cash Flow Banking with Life Insurance
  • Dividend-Paying Whole Life Insurance
  • Family Banking System
  • Infinite Banking System
  • Life Insurance Retirement Plan
  • Private Banking Strategies
  • Privatized Banking
Resources
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  • Free E-Book
  • How Can I Learn More!
  • Podcast
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  • Benefits
  • Financial Security and Asset Protection Quiz
  • Free E-Book
  • How Can I Learn More!
  • Podcast
  • Videos

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