Cash Flow Management

It’s my money. Why should I pay it back?” It’s one of the first questions people ask about private family banking. In Episode 186, Seth Hicks and Vance Lowe explore why the answer matters long after the purchase is made. Using a family car purchase as a starting point, they...

Your car is paid off. Where does the monthly payment go now? In Podcast 185, Vance Lowe and Seth Hicks use a $700 car payment to explore a practical family banking decision: what happens to the cash flow after the loan ends? Two families make the same payment for years....

Most folks know how to make a car payment. Have you considered who should receive it? Most car buyers spend time negotiating the vehicle price and monthly payment. The financing behind that purchase can be far more important. In this week’s Private Banking Strategies Podcast, Vance Lowe and Seth Hicks...

A successful business owner can know exactly how to serve a customer—and still overlook where the money goes after the customer pays. That’s what makes this story worth hearing. A dentist was searching for an investment opportunity. Real estate was on the table, even though it wasn’t his area of...

What if the biggest obstacle to building lasting wealth isn’t your income… but the financial system you’ve been taught to trust? In this episode of the Private Banking Strategies Podcast, Seth Hicks and Vance Lowe explore one of the biggest mindset shifts in wealth creation:Banks don’t simply store money—they put...

You May Have a Financial Leak You Can’t See Most people believe they need to earn more money to become wealthy. But what if that’s not the real problem? Imagine discovering a small hole in the bottom of your swimming pool. Every day you refill it, yet it never stays...

Most people believe the answer to financial freedom is earning more money.Unfortunately, experience proves otherwise. Every year we meet physicians, attorneys, business owners, executives, and entrepreneurs earning six and seven figures who still feel financially trapped.The problem isn’t income.The problem is where your money goes after you earn it. In...

Every investment opportunity looks exciting in the beginning. Real estate…Business ventures…Partnerships…Private lending…But successful bankers ask very different questions than most investors. Before deploying capital, they ask: Where is the predictable cash flow? How is the principal protected? Do I truly understand this business? What happens if things go wrong? How...

Many successful professionals eventually face the same challenge: “I’ve accumulated capital…now what should I do with it?” The problem isn’t a lack of opportunity.The problem is distinguishing good opportunities from expensive distractions. In this episode of the Private Banking Strategies Podcast, Seth Hicks and Vance Lowe introduce the Smart Risk...

Families lose wealth because they inherit money without inheriting the system that created it. Every successful business follows a proven framework. Yet most families manage millions of dollars with no written system, no roadmap, and no governance. In this episode, Seth Hicks and Vance Lowe explain why building a successful...