The Concept:

Your Family Bank® enables individuals, families and businesses to create a personalized financing program to capture some of the interest normally paid to financial institutions, and operates similarly to the federally chartered bank down the street. Your Family Bank® teaches the individual how to have freedom from the traditional method of financing, which means you will no longer be dependent on banking institutions or finance providers for funds. By becoming your own bank, you are able to keep the loan interest as well as the principal–you take back control over the loan stipulations and, ultimately, you transform your debts into assets.

Most people are in agreement that they would like to have their very own bank but very few are prepared and capable to undergo the difficult, extensive and costly procedure for creating their particular federally chartered physical bank. This is where Your Family Bank® can help.

Where can you find a vehicle that minimizes the cost of wealth transactions by allowing you free accessibility and use of your hard earned money without worrying about the burdens associated with taxes, fees, penalties, or market risk? Where can you find a vehicle that allows your hard earned money to grow tax-deferred, with the opportunity of being withdrawn tax-free, offers guaranteed rates of return, tax-free dividends, a great level of asset protection, essentially limitless contributions.

The Plan:

Working with a Your Family Bank® Agent, together you will explore all available avenues to find a way to fund Your Family Bank®. In most cases, working together you will find ways to fund Your Family Bank® with little or no increase in monthly budget.

You will be surprised at all the places the Your Family Bank® Advisor will find that may actually be additional sources for funding Your Family Bank®, enabling you to reach your goals and dreams faster than you thought possible.

Let’s take 401(k)’s as an example. There are only four types of money:

Free Money

Tax-free Money

Tax-deferred Money

Taxable Money

Now we all love free money, but it is hard to come by. There are only a few sources of free money and your 401(k) is one of them if your company matches some of your contributions. If you make $100,000 and you are contributing 12% to your 401(k), at the end of the year you would have $12,000 in your plan. If your company was matching up to 5% of your contributions, they would have contributed $5,000 into your account. THAT’S FREE MONEY! So your 401(k) at the end of the year would be worth $17,000!

But if they are only matching up to 5%, the additional $7,000 that you are contributing to your 401(k) is going from free money to tax-deferred money. You are skipping tax-free money. This money could be used to fund Your Family Bank® and be used for not only for retirement, but also to get out of debt, save for college, stop paying 34 cents of every dollar in interest, create an emergency fund, change your life… The possibilities are infinite.

The Benefit:

If we could show you how to get out of debt in nine years or less, including your mortgage, wouldn’t you like to know more? Your Family Bank focuses on taking control of the things you can control.

  • Having tax-free income at retirement
  • Financing all your automobiles and major purchases
  • Capturing the interest you are currently losing
  • Saving for college
  • Family Getaways
  • Establish an emergency fund
  • Medical as well as Dental Expenditures
  • Prevent Payment of Estate Taxes
  • Private Loans
  • Insurance – Health, Automobile, and so on
  • Create a Family Legacy that Passes to Each New Generation
  • We will show you how you can set up personal financing for your children’s college education that will make your retirement tax free! For more information about the Benefits of Your Family Bank, please request more information below.

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