[00:00:00] Intro: Welcome to Private Banking Strategies Podcast with Vance Low and Seth Hicks, your secret weapon to protect your assets and never have to start over financially again. Vance and Seth help high net worth individuals, families, business owners, and investors, structure and asset protected tax-free fortress for their families.
[00:00:21] Intro: Learn how to keep what you earn and use the velocity of money. To create your own private banking system. Join us on this journey as we explore the secret strategies of the rich and political elite and help you take total control of your financial security. Now onto the show.
[00:00:38] Seth Hicks Esq.: Hello and welcome to Private Banking Strategies Podcast with Vance Lowe and Seth Hicks.
[00:00:43] Seth Hicks Esq.: Vance, how are you?
[00:00:44] Vance Lowe: I’m doing fantastic today and I’m eager to get back to the topic we introduced
[00:00:49] Seth Hicks Esq.: last
[00:00:49] Vance Lowe: time.
[00:00:50] Seth Hicks Esq.: Absolutely. So we were doing a deep dive on how policy loans work. We laid a lot of foundation there on how policy loans work, why [00:01:00] you as a private banker benefit, and with high interest rates. We talked about various uses.
[00:01:07] Seth Hicks Esq.: Of the capital that you’ve got stored up in your bank. We talked about how to get the money back, and now we’re gonna keep drilling down on some topics and questions that we are frequently asked, let’s say Vance, that you’ve got, uh, uh, a financial crunch. And your cash flow situation changes. Let’s say you’re a real estate investor and you’ve got some type of catastrophic loss and you’ve got a deductible issue and your policy loans that you’ve got structured are a a little too heavy.
[00:01:40] Seth Hicks Esq.: What do you do? Do you have to pay those policy loans back or is it gonna repossess the car that you bought with that money? What do you do if you have a cash crutch?
[00:01:49] Vance Lowe: Okay, see, that’s the world that all of us face right now. It’s reality. We never know from day to day what’s what’s gonna happen. And financial [00:02:00] crunches are huge.
[00:02:01] Vance Lowe: The benefit of self financing. We still finance, we still pay, make payments. That doesn’t change. Only the address changes to a payment center that we control. So the money comes back into our control. So let’s do a car payment. If I’ve got one car, I’ve been able to finance myself and I’ve got another car with Honda Finance.
[00:02:27] Vance Lowe: Okay? And they’re 500 bucks a month, and I have suffered an accident and I can’t work. And I can’t make those payments right now. So how hard would it be for me to call up my own bank and say, Hey, I gotta postpone payments for a while. I could still accrue the interest. You know, that’s fine. It’ll take a little bit longer, but I would enter into my banking system.
[00:02:51] Vance Lowe: The way we do that, the payment for, let’s say it’s October, which it is now, for October’s payment, I would put zero. To be [00:03:00] honest, I don’t wanna cheat myself and it’ll totally recalculate our own loan and let’s us catch up later on, and no problem. So I get so excited about that. I call Honda Finance and say, Hey, can I miss a payment?
[00:03:13] Vance Lowe: And they just start laughing. Heck no. If you miss a payment, you’re gonna get a notice and you miss another payment. We’re gonna foreclose and, and, and come pick up that vehicle. Well, is there any way for me to refinance that? No, everything’s done. Don’t bother us anymore. Just make the payment. And that’s what you get with automobiles.
[00:03:35] Vance Lowe: That’s what you get if you have a furniture loan. Even mortgages are almost the same way. Don’t get caught up in a trap. When we do have a crunch and we don’t own the loan, if they say, yeah, you can miss the payment. That interest never sleeps on that payment. When we get down to the last payment. You’re gonna get a surprise.
[00:03:56] Vance Lowe: You’re gonna get a big balloon payment just because of that [00:04:00] one payment. So thinking that you only owe $500 a payment, it could be $3,000. That interest will compound on itself all the way through the rest of the loan. Think of a mortgage, because so many people, when they get in trouble, when they get behind on their payments, the mortgage company finally says, okay, we’ll just stay current.
[00:04:21] Vance Lowe: Now. Two payments missed. On a 30 year mortgage after you’ve paid for two or three years, I show this example about $1,100 a month payment, $64,000 balloon payment at the end. You control all of your own debt, your own loan. So if something comes up, you’ve got breathing room, okay? You’ve got all the time in the world and you can totally self restructure.
[00:04:50] Vance Lowe: The loans. Say you lost your job and now you know, like COVID, you got another job, but it’s only half the pay. So we don’t care when our loan, our personal [00:05:00] loans get paid off. What we care about in making money from our policy loans is that the flow is called the volume of return. So that volume comes down.
[00:05:10] Vance Lowe: But as long as it keeps coming in, we’re happy. Our money is working for us. It’s surprising, Seth, that I show people on a $10,000 purchase of a car note at $500 a month and eight and a half to 10% interest. You know, I buy those loans all day long and I ask people why do I, am I so interested in those loans?
[00:05:35] Vance Lowe: And they say, well, gosh, you’re making eight and a half or 10% interest. This is where the people heads are. Okay, it’s the interest rate. No, it would, could be zero interest and I wouldn’t dampen any of my enthusiasm. I would have to come up with $10,000 to get that loan. Okay? So that would be my money at work.
[00:05:56] Vance Lowe: But the payment’s 500 bucks, 500 times [00:06:00] 12 is 6,000. To find the volume rate of return, you take that 6,000 and divide it by the money at work. How does a 60% volume rate return sound to you? Really good. Yeah, that’s, that’s amazing. And that’s it. That’s the secret of lending. That’s why there are lending companies why, that’s why it’s the most lucrative, profitable business profession to be in.
[00:06:22] Vance Lowe: The banking, the lending side. Right. And it all stems from the
[00:06:25] Seth Hicks Esq.: cash value and you, and creating in that system that you talked about, cash flow and, and volume rate of return. You’re interested in the cash flow payments on that note and the cyclical income.
[00:06:39] Vance Lowe: That’s because that’s $6,000 back in my control.
[00:06:42] Vance Lowe: What am I gonna do once I get that 6,000? Am I gonna burn it? Am I gonna hide it under a mattress? No, I’m gonna go buy more debt and get 60% on that. With one $10,000 investment, I can easily make $80,000 in five years tax free. Never [00:07:00] contribute additional pocket money or other type of investment money just by its own momentum
[00:07:06] Seth Hicks Esq.: as far as a absolute requirement.
[00:07:09] Seth Hicks Esq.: You pay your policy loan that you have the flexibility, that’s what we’ve described. You have flexibility as the banker to restructure loan terms. Fit within your cash flow, especially if you have a challenging season or moment and you set the repayment terms, you could start the loan at 20% interest and then modify the loan terms and make it 10% if that is necessary to fit your cash flow.
[00:07:33] Seth Hicks Esq.: So you effectively are. Able to change terms on the loan, and you’re never gonna deal with foreclosure, you’re never gonna deal with repossession. You’re never gonna deal with the default and have things disappear. It’s all within your control, right?
[00:07:51] Vance Lowe: Yeah. And I have fun with this. I’ve never rejected a loan to myself.
[00:07:57] Vance Lowe: I’ve never asked for tax returns [00:08:00] or what I need to use the money for.
[00:08:02] Seth Hicks Esq.: Do you ever do a
[00:08:02] Vance Lowe: credit check on your
[00:08:03] Seth Hicks Esq.: borrower? I never do a creditor check. You don’t have much due diligence on your loans.
[00:08:09] Vance Lowe: Not to myself. You know, when you start expanding to your kids and ex extended family, then a little bit more caution and maybe a little bit of of collateral comes into play because all of the loans have to be good.
[00:08:24] Vance Lowe: The, uh, the bank still has to get all the money back. But let’s take that one step further on your question. Let’s say I’ve lent to my, uh, niece. You know, she needed a car and she came up with a, a, a decent down payment, but she couldn’t come up with all of it. So I financed the car and the title comes, came to me and she’s paying it off regularly.
[00:08:45] Vance Lowe: Everything helmet. Well, she gets involved in an accident, she can’t work. So she calls me out and tells me the problem and I go, Hey, you’re family. How long do you think it’ll take before you can get back on your feet? Oh, maybe up to six months. Well, why don’t [00:09:00] we postpone payments for six months? Now the interest is gonna stay there and accrue.
[00:09:06] Vance Lowe: And then at that time we can decide whether you wanna pay the same payment, if you’ve got another job, whatever else. But we’re gonna work with you so that by the time you get that car paid off, it’s like you never missed. And I have a deal with all, uh, of my people that they’re also earning equity in the family bank.
[00:09:25] Vance Lowe: You could end up actually having more equity in the family bank under that circumstance. So you also gotta talk about the other Seth, what happens if it is their fault? Now we’re gonna repossess, we’re gonna sell the car. And we’re gonna make the bank call, but since you’re family, if there’s any money left over, it’s yours.
[00:09:44] Seth Hicks Esq.: Yeah. And that’s kind of like the outside third party type loans and how you make your decisions. Some people are loaning to complete, you know, non-family folks, different businesses, and those have to be collateralized like any banking would. But with [00:10:00] yourself, you have so much flexibility in this process, in your strategy that you’re at the control.
[00:10:05] Seth Hicks Esq.: You’re at the, you’re the operating system. Sometimes folks go, well, how, you know, this repayment schedule? How do I figure this out and how do I structure this? Is that something that, that, that you generally help folks with? We teach people that,
[00:10:18] Vance Lowe: yeah, we have a, a system and even software to make this whole strategy quick and easy.
[00:10:25] Vance Lowe: You know, I tell people less than 30 minutes a month, you run the whole strategy. It doesn’t even take that long. It’s so easy. And then you know exactly where you are on every loan. So we
[00:10:35] Seth Hicks Esq.: create the, the, uh, promissory notes. Mm-hmm. And amortization schedules and repayment, uh, plans that fit within, uh, cashflow and budget.
[00:10:47] Seth Hicks Esq.: And really people don’t have to work any harder. They just. Change who they pay. Is that a a true statement?
[00:10:54] Vance Lowe: Exactly. So actually I think a little more friendly. ’cause every month when you get a paycheck, [00:11:00] you’re writing checks, putting ’em in mail, putting stamps on ’em, sending ’em off, or you’re doing bill pay or you’re doing something and the money’s leaving.
[00:11:07] Vance Lowe: You’re spending the money, it’s going away from you here, all you’re doing is really moving money to one of your accounts, making the payments back to another account, going on the computer and say, yeah. Credit this, credit this, credit this, and you’re done. It’s not easy.
[00:11:22] Seth Hicks Esq.: It’s very simple, and when we lay it out for folks, the light bulbs come on and it demystifies the process for creating these loans and schedules.
[00:11:31] Seth Hicks Esq.: So it comes back to having freedom, the freedom to conduct the loans the way you want to structure them the way you want to within your cash flow and create that security that is just. You don’t have in other places
[00:11:46] Vance Lowe: what people don’t understand, they think they do because I have a lot of people who, when I ask for assets, I’ve got 401k, I’ve got Ross, I’ve got IRAs, I’ve got stock portfolios, I’ve got this.[00:12:00]
[00:12:00] Vance Lowe: And I ask them in those accounts, is your money at work? And they go, yeah, it’s in the account. It’s not folks. See, most of the time what we think is happening, it’s 180 degrees opposite. The money is not working for you. You have to leave the money in the account and then hope you can get an interest rate or a growth rate.
[00:12:22] Vance Lowe: And they’re gonna do it at the littlest they can get away with while using your money and doubling it. On the average every two and a half to five years. What? 4 0 1 ks? What IRAs, what stock portfolios is doubling every two and a half to uh, five years tax free. It’s the person who is working the money and, and everything we’ve set up to this point is you putting the money to work and you getting the volume of return, not somebody else.
[00:12:52] Vance Lowe: So the only risk factor as guys, I come back at you in the mirror, there’s no stretch of the imagination. You don’t have to work [00:13:00] harder. You’re just smart at what you’re doing and you’re actually working less. You don’t have to worry about really the economy unless it’s affecting your new money coming in under your control.
[00:13:11] Vance Lowe: But as far as these loans go, there’s no economy risk. There’s no outside risk of theft or anything, and it’s in the same places place on the planet where we store our money.
[00:13:22] Midroll: Did that story feel like it was about you? Do you feel like you are generating a lot of revenue but are not moving forward as fast as you would like?
[00:13:32] Midroll: Do you feel you should be making more progress toward your financial goals? Do you feel stuck? Let us help you get unstuck. Are you ready to take action and get your own private bank? Please visit us at www.privatebankingstrategies.com.
[00:13:52] Seth Hicks Esq.: Uh, thing that we often explain to folks. ’cause they’ll, they’ll go, well, it’s difficult for me to understand how my [00:14:00] policy can continue to grow and increase when I’ve borrowed this policy loan out.
[00:14:06] Seth Hicks Esq.: How can my money be in two places? We touched on that in part one of this podcast series, but let’s drill down a little bit there and, and give people. More explanation about the non-direct recognition policy and where the money actually comes from.
[00:14:23] Vance Lowe: Okay. Well, the money comes from the. Guarantees of the life insurance company, their structure, their work, when they get premium dollars of a certain amount, they will guaranteed a rate of return.
[00:14:38] Vance Lowe: Typically, that’s around three and a half percent right now. I’ve seen it back in the day when it was seven and 8% fixed, guaranteed interest rates. In Nelson Nash’s book, a lot of his illustrations are based on seven 8% guaranteed rates. But in addition to that, there are profits. To get back to the [00:15:00] question, how can my policy grow when I borrowed money from the policy?
[00:15:05] Vance Lowe: Remember, we don’t borrow our own cash value. We borrow the cash reserves of the life insurance company, so that cash reserve that we borrow is taken out of the investment pool, and so we have to pay an interest on that, but it’s at a preferred rate right now. I think the going rate is 5%. Okay, so that that money comes back into the cash reserve to preserve the profit they’re gonna pay us of usually four or more percent.
[00:15:35] Vance Lowe: So it’s it, it keeps everything honest and going in the right direction. Then if we capitalize. On that loan and do it for profit and put it to work and get a return that Seth has talked about earlier. That profit can be added to the loan payback up to a point. There’s some rules and regulations called modified endowment laws that we have to [00:16:00] adhere to, but all of that can go back into our policy if there’s room to help grow it as well.
[00:16:06] Vance Lowe: If the money’s out working for us. The company goes through its cycle of profits, then those profits are put into our account. They can never be reversed. We always get the guarantee, so that’s always being added to our accounts. So that’s how our policy always continues to grow new premium. When that’s paid in, generate new cash value, we set up contracts so that in year five it’s like an investment.
[00:16:32] Vance Lowe: In year five, every dollar you put in is gonna automatically make a dollar five to a dollar 20 immediately tax free. I ask how many of those do you want? I always get as many as I can can have because we literally are above a hundred percent. The premium or putting in is making money immediately, right on the top.
[00:16:52] Vance Lowe: Right at the beginning, I put $4,000 in my cash value increases by 5,000. How am I doing? That’s a [00:17:00] 20% gain right there. So people, we design these contracts with the base part of the premium, which is the engine to go above a hundred percent efficiency for you as soon as possible. And that usually happens in the fifth year.
[00:17:12] Vance Lowe: Remember that three to seven year period. Now your premium is making your profit and the policy’s completely free over a period of time. It takes a while before it breaks even. But if you were to add Seth, if you borrowed money and you bought debt and you got that volume of return, if you added that to it, I took my premium and doubled in four years, what I’d borrowed out.
[00:17:34] Seth Hicks Esq.: So, lemme just recap for a second. The premium dollars that we’ve paid in to capitalize our bank and the cash value in our life insurance contract that we have a guaranteed right to pull out with these contracts. The money doesn’t actually come from our specific policy. It comes from the Life Insurance General Fund where all of their premiums are paid, all of their cash reserves.
[00:17:58] Seth Hicks Esq.: It comes from that [00:18:00] pool general fund, correct? Correct. And then so they effectively, when we’re making those payments back, it goes back into that general fund and they balance a profitability at the end of the year. BA looking at their income from all their sources, and they look at their income, their expenses, the death benefits they’ve paid out, and they’re actually really good.
[00:18:23] Seth Hicks Esq.: That managing those funds, that’s why they can guarantee and pay dividends. And so as we’re paying those policy loans back with interest, they’ve got more capital to be profitable with and pay higher dividends, is that correct?
[00:18:39] Vance Lowe: Correct. Let me make a little bit of a, a disclaimer here. When I say our fifth year premiums and on make us money.
[00:18:47] Vance Lowe: We have paid premium those first four years, both in what we call a paid up edition writer, maybe a term writer, and the base premium and all that comes into play. That 3% guarantee, [00:19:00] plus the profits all come into play. And so it’s more like when you pay 50 year premiums and on, it’s like. Getting a dollar five to a dollar 20 on that premium because the cash value increases.
[00:19:14] Vance Lowe: It just, it’s ever increasing until late in in life. It will come back closer to a hundred percent, but it’ll get up to 150% based on a new premium. That’s all why we always design our contracts. People can pay a premium every year. Do they have to continue that? No. They know they can stop paying premium and then they couldn’t add any new premium after they stop.
[00:19:39] Vance Lowe: But yeah, they’re just totally flexible.
[00:19:41] Seth Hicks Esq.: Right. And like we’ve talked about, there’s really no business or investment where you can put in a dollar and get, uh, a dollar 20 in cash value. You gotta pay the premium to. To get that extra 20%, 30%, and in years 5, 6, 7, the real seasoning in your life [00:20:00] insurance journey that starts to go parabolic years 7, 8, 9, 10.
[00:20:05] Seth Hicks Esq.: It goes from a kind of a horizontal increasing curve to going straight up. And that’s one of the great values, and we talk about that in our book, the value of compounding interest and compounding value. And there we illustrate doubling a penny for 30 days and you get up into the millions of dollars, which is a great fun tool to really.
[00:20:25] Seth Hicks Esq.: Analyze the benefit of compounding. People need to understand when we’re talking about having your money in two places and creating velocity and being able to have your cash value increase while you’ve got it at work in other places. But this begs the, this next question, Vance. Well, what about, won’t my policy grow faster and when I have accumulate more cash value if I don’t take out a policy loan?
[00:20:50] Vance Lowe: No. That question comes from thinking we know something about how money works and it’s honestly, it’s an ignorant question, not to demean [00:21:00] anybody, but it shows the fact that we are are clueless. How money works. If it sits in an account, it can only earn interest rate for you while the insurance company makes a ton of money on your cash value.
[00:21:14] Vance Lowe: So you’ve gotta do the same thing. You’ve got to put it to work. You have to work it, not have someone else do it. Buying debt is the absolute safest, best way for you to do that. I’ll show you it. It’s easy because everybody gets these life insurance illustrations, and by the way, I hate illustrations, but we have to use them.
[00:21:36] Vance Lowe: And if you do it exactly that way. Look at the guaranteed portion that’s gonna be there. You, you can know that today. What you can’t know is the dividends or the profits, because they’re not guaranteed. And that’s just an assumption. So look at the guaranteed rate, and then if I just used the guaranteed rate and I borrowed that [00:22:00] money and put it back and borrowed again, put it back, borrowed again, put it back, I would have to have 2, 3, 4, 10, 15, 20 of those policies to hold all the money.
[00:22:11] Vance Lowe: Just barring from the one policy would provide for me because of volume of return. So that’s
[00:22:18] Seth Hicks Esq.: why it’s important to have the policies structured right though, so that you can capture what we’re talking about. And not everybody knows how to do that out there. I mean, there’s a lot of people, like you said, Vance, that are pushing different types of things that don’t really accomplish what we’re talking about.
[00:22:35] Seth Hicks Esq.: I mean, you got people pushing, indexed universal life. And you’ve got, and all these risky types of contracts, which don’t accomplish what we’re talking about. And so it’s important to understand the value and the benefit of what we’re describing.
[00:22:52] Vance Lowe: I just put a a plugin right now. Now is don’t get caught up in these universal lives with these indexes.
[00:22:59] Vance Lowe: They show [00:23:00] high rates return and they show market rate returns, but we’ve already told you and we can prove it over and over again. These participating mutual whole life insurance contracts always win. They beat the stock market, so why would we wanna risk our future cash value? This is banking. Banking is yield.
[00:23:21] Vance Lowe: Yield is money put in the account that cannot be reversed. Okay? Everything else is exotic and comes with high risk folks. As you could realize, let’s say you’re bringing home $8,000 after taxes and you’re living what’s called Parkinson’s law. What? Come in and find out what we do. You’ll find out that’s one of the, the laws, which means we’re living on less than we’re bringing home are monthly expenses.
[00:23:46] Vance Lowe: Let’s say they’re $6,000. Well, if we spend our principle for our living of $6,000, we think that’s it, folks, 20 times that, 30 times, that is what it’s costing [00:24:00] you not to get that money back. You are financing now for the rest of your life, that $6,000 that you lost control of because that. Would be money that you could make work for you an income off of that’s no longer yours.
[00:24:14] Vance Lowe: And everything we purchase, everything we do is that way. If we don’t control the money and get it back, but we can do the same thing. That’s the good news. The good news is our overhead 6,000, but what if we could get it back? You’re gonna nod your head and say yes, right? If we do that. We’ll always
[00:24:32] Seth Hicks Esq.: get it back.
[00:24:33] Seth Hicks Esq.: People go, well, you know, they’ve been taught, sometimes I’ll just pay cash and that’s the best way to do things. But you’re losing the interest, you’re losing the cash flow, the volume rate of return that we’ve described in this podcast, and being able to service your own bank with. In a tax-free economy with the interest that you’re charging and the principle and a good illustration is with the use of an automobile.
[00:24:59] Seth Hicks Esq.: We’ve talked [00:25:00] about this before and we may have a podcast with even deeper illustration, but someone who goes and buys a $50,000 car cash versus the private banking strategies banker who buys. A $50,000 car through their own bank and they set up a repayment schedule where they’re paying back their bank, that $50,000 plus interest.
[00:25:23] Seth Hicks Esq.: Well, at the end of that car’s life, because we all know we’re gonna have to replace cars, and let’s just say you held onto it for seven years, the person who paid cash has had to build up another cash reserve to go. Purchase a new car because that $50,000 automobile that they bought’s probably worth about 15 now.
[00:25:45] Seth Hicks Esq.: So they’ve gotta have saved up enough cash plus the, the trade-in value of that old car to go purchase a new car. Whereas the private banking strategies banker, they’ve been making cash flow payments back into their bank. And [00:26:00] not only do they have that principle, $50,000, they’ve got interest on top of that.
[00:26:04] Seth Hicks Esq.: And let’s call it. 65. So now they’ve got $65,000 in cash value that is replaced there to go purchase another new vehicle in seven years. Plus, the money that they pulled out has been continuing to grow with, uh, dividend payments from the life insurance company and the guaranteed cash value increases as if they never touched a penny of it.
[00:26:28] Vance Lowe: Father of this, uh, strategy, Nelson Nash has a beautiful example of that. If you self finance your cars. It’s gonna provide retirement income for you. It’s gonna make you a lot of money. The illustration in his book is a $10,000 automobile. Paying it back over time and repeating that process 11 times until a person is 65.
[00:26:49] Vance Lowe: That’s $50,000 tax free income for their rest of their life. Okay. By doing it the other way, it would be $50,000 maybe for four years, [00:27:00] and they’d be completely outta money. The other person, $50,000 a years, and they’ll pass on a million half to $3 million to their heirs also. So folks, money needs to work for you.
[00:27:10] Seth Hicks Esq.: Well, I think that’s a good place to take a break on this drill down, and we’ll continue our discussion on how policy loans work in our next podcast, which will be the, the third part of this multi-part series. But I’m just gonna explain to folks who’ve never heard our podcast before where you can find more information, uh, about us, and that’s private banking strategies.com, private banking strategies.com.
[00:27:33] Seth Hicks Esq.: And if it’s your. First visit to the website, you’ll be offered a book that Vance and I authored called Secrets the Banks Don’t Want You To Know That Will help Red Pill you on certain issues of why private banking strategies blows the socks off of traditional banking systems and other types of so-called investment and retirement plan.
[00:27:55] Seth Hicks Esq.: Uh, if that book and this podcast resonate with you, you’ll have an opportunity to schedule an [00:28:00] exploratory call with Vance. His calendar link is in the emails that we. We’ll be sending to you and that’s our process for jumping into learning how private banking strategies can work for you. Vance, you got any closing
[00:28:12] Vance Lowe: comments for us?
[00:28:14] Vance Lowe: No, we just want to keep our money working for us, but we wanna always get it back. I think to have that as a takeaway, I think that’d be
[00:28:22] Seth Hicks Esq.: fantastic. Awesome. Well, thanks folks, and we look forward to seeing you on the next podcast. Thank you. Bye-Bye.
[00:28:30] Outro: Did that story feel like it was about you? Do you feel you should be making more progress toward your financial goals?
[00:28:38] Outro: Do you feel stuck? Let us help you get unstuck. Are you ready to take action and get your own private bank? Please visit us at www.privatebankingstrategies.com. Thank you for listening to the Private Banking Strategies podcast. Click the subscribe button below to be notified [00:29:00] when new episodes become available.
