Family Banking

Learn how families can coordinate capital, establish clear expectations for borrowing and repayment, and create a banking system that serves multiple generations. Explore family governance, policy structure, behavior, and long-term continuity.

What 54 Life Insurance Policies Reveal About Family Banking

By Rachel Marshall / June 8, 2026 /

SEC Chairman Paul Atkins and his wife reportedly own 54 life insurance policies. Yes, fifty-four! Most people see that headline and think it’s extreme. Maybe even a little absurd. Why would anyone hold that many policies? Who does that? But there’s a more interesting question worth asking – what does someone who owns 54 policies…

Marshall Family Banking System Case Study: In-Force vs Original Illustration (Part 6)

By Rachel Marshall / February 16, 2026 / Comments Off on Marshall Family Banking System Case Study: In-Force vs Original Illustration (Part 6)

The moment we realized “liquidity” isn’t a theory Thirteen years ago, Lucas and I thought we were being responsible by storing a lot of our capital in gold and silver. It felt safe. It felt timeless. It felt like the kind of move people make when they’re thinking long-term. And then we needed cash. Not…

How to Start a Family Bank: Insights from John Moriarty

By Rachel Marshall / May 14, 2025 / Comments Off on How to Start a Family Bank: Insights from John Moriarty

Interested in finding out how to start a family bank? Today, Bruce and I talk with our friend and colleague, John Moriarty, Founder and President of e3 ConsultantsGROUP. You’ll hear about his personal and business use of Infinite Banking, and the thinking behind a growing and evolving system of policies. John is smart, business savvy,…

Tour Our Marshall Family Private Family Banking System, Pt. 2

By Rachel Marshall / May 13, 2025 / Comments Off on Tour Our Marshall Family Private Family Banking System, Pt. 2

Do you want to build a family banking system that will provide capital to you and future generations? Come see behind the scenes as we talk about our Marshall Family Bank in real-time. Today, we discuss why we added another whole life insurance policy, how our cash value is growing, and our vision for using…

Marshall Family Banking System, Pt. 5 Dec 2025

By Rachel Marshall / January 13, 2025 / Comments Off on Marshall Family Banking System, Pt. 5 Dec 2025

Imagine a world where your family’s financial future is not dictated by banks but built by you. What if you could create a self-sustaining system provides security and offers opportunities for generations to come? For us, this is not just a concept—it’s our reality through family banking. Let us take you on a journey into…

Family Banking Formula® & Whole Life Insurance

By Rachel Marshall / September 30, 2024 / Comments Off on Family Banking Formula® & Whole Life Insurance

Securing generational wealth has never been more critical in today’s rapidly evolving financial landscape. It’s not just about safeguarding our financial future; it’s about leaving behind a legacy that can provide security and opportunity for generations to come. In this episode, we dive into the Family Banking Formula® concept on The Money Advantage podcast. The…

Marshall Family Banking System, Pt. 4

By Rachel Marshall / January 15, 2024 / Comments Off on Marshall Family Banking System, Pt. 4

Want to see the real-time historical performance of the Infinite Banking Concept?  Usually, when you hear about policy performance, it’s from looking at illustrations. But illustrations aren’t “performance,” they are projections of future growth, based on current dividends and interest. That’s why we love getting the opportunity to share the actual historical performance of Infinite Banking…

Marshall Family Banking System, Pt. 3: The Capitalization Phase

By Rachel Marshall / February 6, 2023 / Comments Off on Marshall Family Banking System, Pt. 3: The Capitalization Phase

Do you want to build your family bank that will provide capital to you and future generations? Come see behind the scenes as we talk about our Marshall Family Banking System in real-time.  Today, we’re updating you in real-time to show the impacts of paying another year of premium, how our cash value is growing, and…

The Marshall Family Bank, Pt. 1: Why We Started a New Life Insurance Policy

By Rachel Marshall / March 28, 2022 / Comments Off on The Marshall Family Bank, Pt. 1: Why We Started a New Life Insurance Policy

Do you want to accumulate reserves and investible capital where it’s safe and liquid, so you have the cash to invest in the widest range of circumstances? Come behind the scenes as we talk about our Marshall Family Bank in real-time.  Today, we’re talking about our recent whole life insurance policy conversion with a 1035…

Family Banking Strategy with Whole Life: An 11-Year Case Study, with John Moriarty

By Rachel Marshall / November 2, 2020 / Comments Off on Family Banking Strategy with Whole Life: An 11-Year Case Study, with John Moriarty

This week, we welcome John Moriarty back to the Money Advantage Podcast. In Part 1, we talked about building a family bank on a conceptual level. Now, we pull in real facts and figures to show you how private family banking looks in action. If you have considered implementing family banking and didn’t know where…

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