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  • Private Banking
    • Becoming Your Own Banker
    • Cash Flow Banking with Life Insurance
    • Dividend-Paying Whole Life Insurance
    • Family Banking System
    • Infinite Banking
    • Life Insurance Retirement Plan
    • Privatized Banking
  • 7 Pillars
    • What Is Asset Protection?
    • Tax-Free Growth
    • Financial Privacy
    • The Velocity of Money
    • Guaranteed Compounding Tax-Free Growth
    • Guaranteed Financing
    • Legacy Value
  • Resources
    • How Can I Learn More!
    • Free E-Book
    • Benefits
    • Podcast
    • Videos
    • Blog
  • About
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Private Banking Strategies

What Is “Private Banking Strategies?”

With Private Banking Strategies, you become your own banker, taking control of your finances and managing your cash flow without centralized banks or government control through “dividend-paying, whole life insurance.” This strategy allows you to create your own bank, borrow and save money on your own terms, and have complete control of your lending transactions. You can’t be turned down for a loan, and you don’t need to fill out any nosey credit apps or pledge any collateral. The only questions you’ll be asked are how much do you want and where do you want it sent? It’s time to take control of your financial future – learn how to create, grow, & protect your wealth without market risk now.

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7 Pillars of Private Banking Strategies

The key features of permanent life insurance are:

  1. Asset Protection
  2. Tax-Free Growth
  3. Financial Privacy
  4. The “Velocity of Money” – Multiple Touches on the Same Dollar
  5. Guaranteed Compounding Tax Free Growth – can NEVER GO BACKWARDS
  6. Guaranteed Financing
  7. Legacy Value – Tax-Free transfer to heirs
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Whole Life Insurance

To learn how to become your own banker, you need to have a Participating Mutual Whole Life insurance contract. By super-funding the PUA (paid up additions rider) and minimizing the death benefit expense, this contract becomes the perfect private bank. When set up correctly it becomes a very Private, Tax Advantaged warehouse of money just waiting to be put to work. It grows at a minimum of 4%, plus company profits. That’s because this special contract allows you to be a preferred owner of the insurance company receiving tax-free dividends each year.  Although dividends are not guaranteed they have been paid for the last 160 years through the Great Depression, the Great Recession, and all other economic catastrophes and downturns throughout American history.

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How Do Private Banking Strategies Work?

Instead of relying on a conventional, centralized bank like Wells Fargo or Bank of America, you establish your own private bank through your insurance policy. The carefully selected and long-standing insurance companies that we use offer returns that outperform the market over the long run, and at the same time, provide a compounded, protected, tax-free growth that no other vehicle can provide (under the current tax laws – so act now). More importantly, the compounding growth and transfer of wealth upon death are tax-exempt strategies that are unique to Private Banking Strategies.

At Private Banking Strategies, we’ll help you create your own bank and consult with you every step of the way so you’re empowered to create, grow & protect your wealth.

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How Can I Be The Bank?

As soon as you request your free analysis, we’ll arrange a personal meeting to get things moving. If you start now, you could begin to take back control of your financial future within the next 30 to 60 days. We’ll show you your own results of using our private banking strategies over the first 8 years month by month. The analysis will show you how fast you get out of debt turning your liabilities into assets and how much wealth you will accumulate tax advantaged. These results are conservative and based on the insurance contract guarantees. We’ll also identify your short-term and long-term goals and identify personalized solutions to achieve those goals. We’ll help you determine how much to fund your bank with and identify where you’ll find the funds to start your bank. All of this without working harder or changing your cash-flow.

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Recent Posts

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Be Your Own Bank
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Unlocking Financial Stability: How Life Insurance Retirement Plans Can Safeguard Your Retirement

A properly structured LIRP can create predictable cash value, liquidity, tax-free income, and a legacy without tying retirement entirely to the market. By Vance D. Lowe RFC, ChFC, CLU   The closer I get to retirement planning, the less interested I am in hoping everything works out. After decades in

Read More »
September 1, 2026
A person stacking coins on top of a table.
Be Your Own Bank
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Infinite Banking Concept Pros and Cons

Infinite Banking can create liquidity, control, tax-free growth, and legacy value, but it requires proper design, disciplined funding, and a long-term commitment. By Vance D. Lowe RFC, ChFC, CLU   The Infinite Banking Concept is powerful, but it is not magic, a shortcut, or a product you buy and forget.

Read More »
August 1, 2026
A colonnade of seven stone pillars
7 Pillars
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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

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June 15, 2026
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Recent Podcasts
For Private Banking Strategies

A bank vault opened with gold light shining through the opening
Be Your Own Bank
t2-web-admin

Episode 179 – How Bankers Evaluate Every Investment Opportunity

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

Read More »
August 27, 2026
A bank vault being open with gold light shining through the crack
Banker's Mentality
t2-web-admin

Episode 178 – How Wealthy Families Protect Capital While Growing Wealth

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

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August 20, 2026
A bank vault opened with gold bars inside
Banker's Mentality
t2-web-admin

Episode 177 – Building the Framework for a 100-Year Family Bank

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

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August 13, 2026
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Private Banking Strategies
Location

539 W. Commerce Street
Suite 5208
Dallas, TX 75208

P: 817-200-4777

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Services
  • 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
  • Benefits
  • Financial Security and Asset Protection Quiz
  • Free E-Book
  • How Can I Learn More!
  • Podcast
  • Videos
  • Benefits
  • Financial Security and Asset Protection Quiz
  • Free E-Book
  • How Can I Learn More!
  • Podcast
  • Videos

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