Take Control of Your Financial Future with Family Banking
Discover how to build generational wealth with a family banking system that puts you in control — and leaves a financial legacy that lasts.
Family Banking 101: Quick Overview
Family Banking is a strategy to grow, use, and pass on wealth within your family — privately and intentionally.
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It creates a private pool of capital you control, not the banks or Wall Street.
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Built on dividend-paying whole life insurance, structured for liquidity, growth, and long-term use.
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Used to fund investments, business opportunities, education, real estate, and more — on your terms.
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Helps teach financial stewardship to future generations so wealth isn’t just passed down — it’s multiplied.
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At The Money Advantage, we help families:
What Is Family Banking?
At its core, Family Banking provides capital with purpose, not just access to money, but a framework that equips your family to use it wisely.
It allows you to lend or deploy capital to family members with guardrails, guidelines, and accountability in place. Not to control them — but to empower them. To ensure the money fuels flourishing, not entitlement.
When structured intentionally, Family Banking becomes a living, breathing system of support — funding education, business ventures, home purchases, or crises without fragmenting the family or sabotaging the mission.
This is what it looks like to transfer wisdom with wealth.
To put capital in motion without losing control.
And to raise children who know how to steward — not just spend — what they’ve been entrusted with.
What’s the Difference Between Family Banking and Infinite Banking?
The Infinite Banking Concept® (IBC) is a financial strategy.
It’s about creating a private banking system using dividend-paying whole life insurance — giving you control, liquidity, and long-term growth.
But Family Banking is the philosophy that gives IBC depth, purpose, and continuity.
It’s how you use that private banking system — not just for yourself, but as a framework to:
- Pass on values
- Teach financial stewardship
- Mentor your children in responsibility
- Guide how capital is requested, deployed, and repaid
- Keep the family aligned and accountable across generations
Family Banking makes Infinite Banking multigenerational.
It’s not just about borrowing against a policy but about using that capital with intention, within a structure that trains your children how to lead, steward, and multiply what they’ve been given.
One is the strategy.
The other is the legacy.
You’re not buying a product. You’re building a system that teaches financial wisdom, models stewardship, and channels capital with purpose.
Basically, you're equipping your family to think like a bank, so they inherit both the resources and the responsibility to grow them well.
How the Family Banking System Works
It all comes down to how you use the family banking formula to pass on values, teach financial stewardship, and build a legacy of wisdom alongside wealth. The three foundational layers are:
#1 The Philosophy:
Stewardship Over Consumption
- Family Banking starts with a mindset shift.
- This strategy is about stewarding wealth with purpose, aligning money with your family’s faith, mission, and long-term vision.
- You’re not just leaving assets — you’re leaving a system that teaches responsibility and multiplies opportunity.
#2 The Strategy:
Infinite Banking Concept®
- This is the core framework that brings the philosophy to life.
- The Infinite Banking Concept gives you control over capital, eliminates dependency on outside lenders, and creates liquidity that grows with you.
- It’s not just about borrowing but building a self-sustaining financial ecosystem.
#3 The Tool Specialized Whole Life Insurance
- Dividend-paying whole life insurance becomes the funding vehicle for your family banking system.
- Properly structured, it grows predictably, provides living access to cash value, and transfers wealth tax-advantaged across generations.
- This makes it something more than just insurance.
- It’s a long-term capital system designed to serve your family.
Why Families Are Choosing Family Banking
The families we serve are already successful.
They’re business owners, professionals, and high achievers who’ve built income, assets, and a life they’re proud of.
But deep down, they’re looking for something more than higher returns or another financial product.
They want clarity. Purpose. A way to pass on more than money.
They’re asking questions like:
- “How do I create a financial legacy that reflects our faith and values, not just our net worth?”
- “Why does wealth building feel disconnected from the kind of life I actually want to lead?”
- “How do I give my kids not just wealth, but wisdom, responsibility, and vision?
Sounds familiar? Here are just a few of the common frustrations we hear:
There’s no clear system to teach your kids how to manage money or inherit financial leadership
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Banks offer low returns — and keep control of your money
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Market volatility makes long-term planning feel like a gamble
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Traditional financial advice feels scattered and one-size-fits-all
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Taxes, fees, and missed opportunities quietly erode your hard work
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Your financial plan doesn’t reflect your family’s faith, values, or vision
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Estate planning focuses on transfer, not training — leaving the next generation unprepared
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Your wealth is locked up in places you can’t easily access without penalties
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You’re relying on banks and lenders who profit more from your money than you do
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You’re earning well, but still feel financially reactive — like money is always moving out faster than you can control
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You’ve got advisors for taxes, investments, and insurance, but no one’s pulling it all together
Family Banking offers a better way — one that gives you:
A private financial system that grows predictably and protects what you’ve built.
Liquidity when you need it, without relying on lenders.
A structure rooted in your values, your vision, and your family’s future.
How The Money Advantage Helps You Build Your Family Banking System
At The Money Advantage, we guide you through the entire process — from understanding the philosophy, to setting up your family banking system, to using it confidently for decades to come.
Whether you like to learn independently or want personalized help, we offer two clear paths forward:
Learn the System On Your Own
Our Family Banking Formula™ Course is a comprehensive, step-by-step training that gives you the full picture — from core principles to policy structure to real-life examples.
We designed it for:
- Busy professionals who want flexibility
- Self-starters who like to understand the “why” before the “how”
- Families who want to educate themselves before they implement
What You’ll Find Inside the Family Banking Formula™ Course
This self-paced online course gives you the full roadmap to:
- Understand the Family Banking philosophy and why it works
- Learn how Infinite Banking lets you take control of your cash flow
- Design and structure your policy the right way — from the start
- Use your system to invest, grow, and teach the next generation
- Avoid common pitfalls that can derail your progress
Whether you’re brand new or already familiar with Infinite Banking, this course gives you clarity, direction, and a repeatable system to build wealth with purpose.
Work With Us to Build Your Plan
If you’re ready to take action and want hands-on help, book a strategy call. We’ll work with you to design and implement your system with clarity and confidence.
This isn’t just a transaction. It’s a long-term relationship. We’re here to support you now and into the future as your family’s needs evolve.
During your call, we’ll help you:
- Clarify your family’s financial goals
- Create a custom plan using the Family Banking Formula™
- Learn how to craft clear stewardship guidelines and deploy capital through family loans that align with your values and long-term vision.
- Avoid the common mistakes most people make when trying to do it alone
What Our Clients Say About Us
"They helped us restructure our business entities into a more advantageous tax structure where we saved taxes right off the bat...If you are looking for a partner to look at your business and personal finances holistically, I highly recommend The Money Advantage" - Susan Dison
"The Money Advantage has access to all the experts, including accountants and investment advisors...they have so much knowledge in so many fields. I worked with their team for about three years and saved a lot in taxes during that time." - Dan Arsenault
"The Money Advantage gives us access to resources that mega-wealthy families have in a family office, a whole team of people that are working together for the individual, which is something you will not find in any traditional financial service." - Sherry Berman
"We didn’t want to just give an inheritance… we wanted to raise stewards. And now we are.” - Darren and Buffy Ruthardt
"Our kids felt valued. They felt included. And they were excited to carry this forward to the next generation.” - Shannon Love
*Individual Results, Results Not Typical. See Our Testimonials & Earnings Disclaimer For More Information.
Ready to Build a Financial System That Lasts?
You don’t have to settle for outdated strategies, financial stress, or leaving your family’s future to chance.
With Family Banking, you can create a private system that gives you confidence instead of confusion, control instead of dependence, and a legacy built on values, not volatility.
Wherever you're starting, we’re here to help you take the next step.
Learn More About the Family Banking Formula™
Frequently Asked Questions
No. At The Money Advantage, we implement the Family Banking system with specially designed whole life insurance contracts as the financial vehicle. It’s not just protection. It’s a system for storing, growing, and accessing capital in a way that can be used during your lifetime and passed on to future generations.
This isn’t a one-time tactic. It’s a powerful tool for directing wealth with purpose and building a long-term financial infrastructure, built to serve your family today and steward wealth for generations to come.
Absolutely. In fact, that’s the point. Your family bank becomes a source of capital you can borrow against to fund real estate, business opportunities, or education — while your money continues to grow.
Most advisors offer fragmented strategies or focus only on selling products. We help you build a complete financial system — rooted in your values — and show you how to use it to grow wealth and teach stewardship for generations.
Not at all. Family Banking is for anyone who wants to be intentional about building wealth and passing it on wisely. Whether you're just starting to build or already have a strong financial foundation, you can benefit from this system.
This is a long-term system — not a get-rich-quick plan. That said, many families begin using their policies for strategic borrowing within the first few years, while also seeing steady, compounding growth in their cash value.