Ready To Be The Bank?
Check out these resources to learn more about securing and controlling your finances, financing real estate and other income-producing assets, starting a business, getting out of debt, and creating legacy wealth for future generations now.
“Velocity of Money”
Multiple Touches on the Same Dollar
The concept of Velocity of Money is simple yet powerful—it’s not just about how much money you earn, but how many times each dollar works for you before it leaves your hands. By creating multiple touches on the same dollar, you unlock the ability to build wealth faster, reduce waste, and maximize financial efficiency. Instead of letting money flow out of your life just once, velocity strategies ensure it continues to circulate through your personal economy, compounding benefits along the way.
Resources
We offer a wide range of FREE downloadable resources, with more added regularly.
The Father of the 401(k) Says the 401(k) MUST DIE!
The father of the 401(k) – the original creator and brainchild for the 401(k) plans – doesn’t even believe in it.
How to Become Debt Free and Not Be at Zero Equity
Many Americans today find themselves swirling in a financial mess…
Safe Retirement Planning
Grow your nest-egg every day – whether stocks go up, down, sideways or crash!
The Benefits of Creating Your Own Private Bank with our Private Banking Strategies
The ways that you can benefit with our Private Banking Strategies are almost without number.
Financing Your Business Purchases
Determined to keep your business humming along during this gut-wrenching economy? Roll up your sleeves and go for it.
The Power of Private Banking Strategies – The Velocity of Money
It’s not so much about what we don’t know about money that hurts us – it’s about what we think we know about money that’s not true that can really hurt us.
Ready to Be the Bank?
At Private Banking Strategies, we’re your financial planning partners – with over 60 years of collective successful asset management, we’ll mentor you and advise you every step of the way to empower you to create, grow, and protect your wealth.
Find out how you or your business can benefit from Private Banking Strategies.
Recent Podcasts

Episode 166 – Why Rich Families Think Differently About Debt
In this episode of the Private Banking Strategies Podcast, Vance Lowe and Seth Hicks dive deep into the loan-based distribution strategy and explain how wealthy families use private banking principles to create tax-advantaged retirement income, recapture interest payments, and build multi-generational wealth. Discover how properly structured banking contracts allow families

Episode 165 – Are You Working for Money… or Is It Working for You?
Most people spend their entire lives preparing for something that doesn’t actually exist. Retirement. Think about it… You’re told to work for decades, store your money in government-controlled accounts, and hope it’s enough one day. But here’s the truth: That system was never designed to create independence—it was designed to create dependence. In

Episode 164 – Think Like a Banker (Not a Consumer)
Are you consuming your money… or compounding it? In this episode of the Private Banking Strategies Podcast, Seth Hicks and Vance Lowe break down the critical mindset shift required to build real wealth: thinking like a banker. Most people earn income and spend it. Wealth builders deploy capital, recycle it, compound
Recent Posts

What Kind of Policy Should You Use for Private Banking Strategies?
A properly structured, dividend-paying whole life policy with high early cash value, heavy paid-up additions, and strict MEC compliance is the only design that consistently works for Private Banking Strategies. By Vance D. Lowe RFC, ChFC, CLU Most people don’t fail at Private Banking Strategies because the concept is

The History of Cash Flow Banking
Cash flow banking traces back to early American finance, where individuals controlled capital through life insurance, before banks and policy shifts shifted that control away. By Vance D. Lowe RFC, ChFC, CLU The concept we now call cash flow banking is not new. It is a rediscovery of how

What Is A Modified Endowment Contract and IBC
A Modified Endowment Contract can quietly change the tax treatment of a whole life policy, making proper design essential to preserve tax-free growth and control within Infinite Banking. By Vance D. Lowe RFC, ChFC, CLU When someone tells me they want to “overfund” a whole life policy for cash