The Money Advantage with Bruce and Rachel

Behind the Scenes with Bruce and Rachel

Want to optimize your money and maximize your wealth and income for life, and curious about how we can help?  Been listening for a while and want to learn more about our company and what we can do for you? Today, we’re taking you behind the scenes of The Money Advantage.

So, if you want to get to know us, what we do, and why we do this work … tune in below!

“Why” The Money Advantage

Today, we’re sharing more about who we are and why we do what we do. First and foremost, the Money Advantage exists to help wealth creators build financial freedom. There are three key components to this wealth building:

  • Cashflow Strategies
  • Privatized Banking
  • Alternative investments

We’re your team of financial architects, and our goal is to help you get into a position where you never run out of money. What we so often see is people who make a lot of money, yet aren’t being as efficient as possible. This can create a lot of financial stress.

Money is emotional, and that causes people to hold their financial state close to their chest. Yet by not talking about money, we do ourselves a disservice. So we also look for ways to help people improve their money mindset. 

Rachel Marshall 

Rachel Marshall is the co-host of The Money Advantage Podcast, co-founder of The Money Advantage, and Chief Financial Educator. The education that she provides, through podcasts and articles and videos, helps you understand your financial life so you can choose a way forward. Her role is to look for any way possible to help you understand how to keep control of your financial life. 

Rachel has been a lifelong teacher—helping others learn the concepts she was learning herself. She looks most forward to seeing that flash of inspiration and awareness when someone understands something they didn’t know before. 

Nine years ago, Rachel went into this business with her husband, Lucas. It stemmed from a desire to build their own financial freedom. And what they realized was missing, at the time, was liquidity. After recognizing the need of wealth creators to maximize cash flow and have access to capital, they recognized the tremendous value of Privatized Banking and began their own policy. Then, a near-death experience truly opened her eyes to the importance of the death benefit and helping others build the greatest legacy possible.

Bruce Wehner

Bruce Wehner is the Chief Cash Flow Strategist & Lead Advisor at The Money Advantage. Growing up in the 60s’ and 70s opened Bruce’s eyes to the financial struggles of business owners like his father. After Nixon removed the gold standard, massive inflation made it difficult for businesses to stay afloat, and interest rates were continuing to spike year after year. This got him thinking about personal finance, and how businesses worked. 

He then began a teaching career of 17 years, in which he experimented with entrepreneurial pursuits. It was at this time that he became involved in the insurance business and real estate. Eventually, he landed in St. Louis, where he remains today, and works with e3 Consultants Group and The Money Advantage.

Bruce is also a certified Nelson Nash practitioner, which means he focuses first on guarantees. Wealth building is first about the money you protect, not hitting a home run. So he helps people create financial teams and protect more of their wealth through guarantees. 

What is The Money Advantage Philosophy?

The financial status quo is to build the biggest pile of money possible and then live off of that money in the future. What happens too often with this strategy, is that the money is in the control of everyone else–investment managers, banks, and mortgage companies. This typical philosophy takes the control out of the individual’s hands. Then, that money is subject to future taxes, which are unknowable. Yet taxes are likely to increase, not decrease. 

We believe that cash flow is the way to build time and money freedom. This is the money that you get to keep from day to day. This can be through regular income, business revenue, or from cash flowing alternative investments. The freedom that comes from cash flow then gives you the freedom to choose what you do with your time. 

We don’t believe in the typical philosophy of retirement, where you build a pile of cash and then stop working. We would much rather see people enjoy their lives from day one and continue to thrive well into their older age through fulfilling wealth creation. And that looks like gaining control. 

Our 9-Step Signature Process

Cash Flow System - Roadmap

This is the exact process that we use to help people like you master financial control and freedom. This will help you fulfill your money’s highest purpose, so you can live a life of the highest significance. We split these steps into three phases: Foundation, Protection, and Increase.


This is where we start with anyone we work with, which helps take you out of “survival mode.” This can happen at any income level, by the way, when your money isn’t working with you and you never seem to have enough. 

  • Money Mindset—In the first step of our foundational process, we help shift your mindset around money. We help you recognize the thinking patterns of abundance, stewardship, and value creation. This mindset of wealth is the foundation of your success.
  • Cashflow Awareness—Once you’ve mastered your mindset, it’s time to assess where your cash is flowing each month. Though it can be a painful process, this step moves you from confusion to clarity. 
  • The Money Finder—Once you know where you’re starting, you can identify leaks and plug holes in your financial buckets. This can look like loan repayment strategies, restructuring your insurance, or optimizing taxes. 


Once you’ve completed the first three steps, you can protect the wealth that you have. This phase ensures that if something happens to you, no one can swoop in and steal the wealth that you’ve created for yourself. It’s better to do this before you need it, because it’s often too late to put in place when an event occurs. 

  • Livelihood Safeguard—Insurance can protect your income in the event of disability, poor health, and death. Liability insurance can protect you from scenarios you may never dream of. This step takes you from risk to safety.
  • Legal Security—Estate planning and business entity formation can protect your investments, business, and your entire estate from creditors. 
  • Privatized Banking—Setting up a savings strategy through Privatized Banking can protect your money in many ways. 


Finally, we have the increase phase. Typical financial philosophy would suggest this first. However, without the other phases, your money is at risk and out of your control. 

  • Unique Ability Investing—Once you know yourself, you can leverage your unique abilities for the right investments. This can help you choose the best investments that win, and move from aimless to focused. 
  • Time and Money Freedom—If you can maximize your cash flow through unique ability investments, you can build freedom of money and time. You won’t have to work for money, instead, you can make your money work for you. 
  • Legacy Creation—By creating a legacy through proper strategy, you can build generational wealth and expand your impact and significance. 

Finance is a Team Sport

The Money Advantage is a team. When you work with us, you work with our whole team, not just one advisor. That means we leverage the unique abilities of each team member to help fulfill your needs and nothing falls through the cracks. We feel that this helps you get more education, more access, and more expertise. 

Behind the Scenes with Bruce and Rachel

What sets us apart is our family office model, where you access a coordinated team of experts working together on your behalf towards your goals. Our Integrated Resource Network helps you with every aspect of your finances. Tax planning, investment strategy, insurance, and much more. No one person can be an expert in it all, and when you work with us, you’ll be able to have a well-rounded strategy with all of our experts. That’s how you’ll know that every aspect of your financial life is going to work in complete harmony.

Book A Strategy Call

Do you want to coordinate your finances so that everything works together to improve your life today, accelerate time and money freedom, and leave the greatest legacy? We can help!  

Book an Introductory Call with our team today, and find out how Privatized Banking, alternative investments, or cash flow strategies can help you accomplish your goals better and faster.

That being said, if you want to find out more about how Privatized Banking gives you the most safety, liquidity, and growth  … plus boosts your investment returns, and guarantees a legacy, go to to learn more.

Rachel Marshall

Rachel Marshall is the Co-Founder and Chief Financial Educator of The Money Advantage and President of Marshall's Insurance and Financial Services. She is known for making money simple, fun, and doable. Rachel has built a team of licensed professionals (investment advisors, insurance agents, attorneys, tax strategists) to help her clients create time and money freedom with cash flow strategies, Privatized Banking, and alternative investments. Rachel is the co-host of The Money Advantage podcast, the popular business and personal finance show. She teaches how to keep more of the money you make, protect it, and turn it into cash-flowing assets.
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