About
Our Business Is Your Success
Founder Vance Lowe rose to the top of the financial industry because he saw things differently; he believed there was a way to grow wealth and get above average returns without any market risk.
He was right.
At Private Banking Strategies, we offer a way for individuals and small businesses to “be the bank” with our proven, successful strategies. Led by Vance Lowe and COO Seth Hicks, we’re passionate about what we do, and our track record of money management and financial success for over 40 years is true testament to that drive. With our strategies, you’ll not only grow your wealth but you will have access to that money any time without any tax consequence.
What We Believe
What are we really all about? We believe that individuals, families, business owners, and other organization should have less government control of their hard-earned money.
We believe you deserve to grow your wealth without tax consequences and without any market risk.
We believe that your personal activities are your own business and that you can make profits that banks make from factoring and leveraging our deposits.
We believe you need to be the bank.
Ready to beat the banks by growing your income securely on your own?
Meet Our Team
Vance D. Lowe RFC, ChFC, CLU
With 40 years in the financial industry, Vance has extensive knowledge in the financial arena, extending far beyond his numerous accreditations, honors and accolades. For over two decades, Vance owned and operated a successful money management firm.
As an expert in the financial markets, stocks, bonds, 401K’s, and other retirement vehicles, Vance developed a keen awareness of market risks and of the market dangers that put client’s hard-earned money and retirement funds at risk. When he discovered the Infinite Banking Concept through his friend Nelson Nash, he realized that there was a far superior way to grow wealth and obtain compounding interest without any market risk. Vance discovered the age-old secret that the ultra wealthy and politicians have known for over hundred years – Be the Bank!
Vance ultimately sold his money management firm and became an accredited expert in structuring private banking entities. He now funds millions into private banking entities every year. As the CEO of Private Banking Strategies, Vance has established himself as a “go to person” in the industry because of his extensive knowledge and understanding of the Infinite Banking Strategies. He is a mentor of some of the best practitioners in America and has served as an advisor to the Nelson Nash Institute. He has helped countless families, business owners, and high-net worth individuals create financial freedom by utilizing Private Banking Strategies and putting the banking equation back in their lives.
Vance has a passion to help other families establish their own private banking strategies and become financially independent and free. By helping others create and implement their own Private Banking Strategies, Vance helps to change the financial atmosphere of every client, one family at a time. Vance is an entrepreneur, real estate investor, free-thinker and creative problem solver. His multi-faceted expertise and experience brings a multitude of value to every client Private Banking Strategies serves.
Vance D. Lowe RFC, ChFC, CLU
Chief Executive Officer
With 40 years in the financial industry, Vance has extensive...
Kaye Lynn Peterson
Kaye Lynn has been practicing IBC since 2004. She attends many of the annual IBC Think Tank Conferences in Birmingham. Her passion is contagious as she educates her clients on how to utilize Private Banking Strategies in their financial affairs.
She is an associate of the highly recognized Private Banking Strategies group for IBC.
Her desire is to teach and educate people in maximizing every dollar that flows through their hands. Her team provides each client a detailed analysis and step-by-step plan they can refer to on an ongoing basis. Her team’s approach is 100% hands on as you learn the power of the Private Banking Strategy for you, your family or business.
If creating wealth, eliminating debt, achieving financial independence, and a wonderful relationship are a must, contact Kaye Lynn and her team immediately.
Kaye Lynn is an Authorized IBC Practitioner and is continually learning ways to assist her clients and their families.
Kaye Lynn Peterson
Authorized Infinite Banking Concept Practitioner
Kaye Lynn has been practicing IBC since 2004. She attends...
Ryan Heieie
Position: Private Banking Strategies Practitioner
Ryan Heieie is a valuable addition to the Private Banking Strategies® team. He brings a wealth of wisdom to his clientele from decades of operating family-owned businesses, and successfully owning and operating multiple real estate construction and development entities.
Ryan started his first orthodontic dental lab company in 1997 and grew it to become the largest of its kind in the region. He continued the company’s scaling, growth, and expansion – ultimately now expanding over numerous states in the southwestern United States.
Ryan understands business ownership, entrepreneurship and real estate in ways that supercharge businesses and investments with Private Banking Strategies®. He has a unique understanding of what business owners and investors need to put Private Banking Strategies® into practice in order to achieve true financial independence and freedom.
Originally born and raised in Canada, you can find Ryan and his family enjoying the outdoors and pristine wilderness areas of the US and Canada. He is an avid fisherman and loves water sports with his wife and two daughters. He is passionate about helping folks protect what they have worked so hard for and build their family legacies.
Ryan Heieie
Private Banking Strategies Practitioner
Ryan Heieie is a valuable addition to the Private Banking...
Recent Podcasts

Episode 171 – Why Wealth Protection Comes Before Wealth Growth
Most people spend their entire lives focused on earning money.Very few ever learn how to protect it.The wealthiest families understand something most financial advisors never teach: Making money is only half the game. Keeping it is where real wealth begins. In this week’s Private Banking Strategies Podcast, Vance Lowe and Seth

Episode 170 – Protecting the Family Bank: How Wealth Is Preserved
What if the greatest threat to your wealth isn’t the stock market… What if it’s the way your assets are structured? In Episode 170 of the Private Banking Strategies Podcast, Seth Hicks and Vance Lowe reveal why protecting wealth is just as important as creating it. Discover how successful families

Episode 169 – The Tailwind Effect of Private Banking
The average person spends money once. Banks recycle the same dollar repeatedly. That is the difference. The wealthy understand that the real power is not merely earning income — it is controlling the movement of capital. When families reclaim the banking function in their own lives: money continues compounding, liquidity
Recent Posts

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

What’s the Best Dividend-Paying Whole Life Policy
The best dividend-paying whole life policy is properly designed for liquidity, backed by a strong mutual company, and structured to maximize long-term control of capital. By Vance D. Lowe RFC, ChFC, CLU Most people asking about the “best” dividend-paying whole life policy are asking the wrong question. The real

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


