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 Where can you find a vehicle that allows your hard-earned money to grow tax-deferred, with the opportunity of being withdrawn tax-free, offers guaranteed rates of return, tax-free dividends, a great level of asset protection, essentially limitless contributions.

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

  • 1
    Free money
  • 2
    Tax-free money
  • 3
    Tax-deferred money
  • 4
    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.

​BIG PICTURE Plan Benefits

Take a look at a few benefits to consider. Recapture $0.54 to $0.64 of every dollar you earn that goes to interest and taxes.

  • Having tax-free income at retirement
  • Financing all your automobiles
  • Capturing the interest you are currently losing
  • Saving for college
  • Financing Rent for School
  • Starting a leasing company
  • Family Getaways
  • Medical as well as Dental Expenditures
  • Back to School or Work Clothing
  • Boat Repairs
  • Gifts
  • Prevent Payment of Estate Taxes
  • Private Loans
  • Insurance – Health, Automobile, and so on.
  • Increase your Investments Return
  • Create a Family Legacy that Passes to Each New Generation
  • Reduce Tax Liability on Capital Investments

We will show you how you can set up personal financing for your children’s college education that will make your retirement tax free! Contact us to discuss how Your Family Bank® will work for your family. We will contact you to schedule a time to plan and prepare a customized analysis.


Unlike financial advisors, who primarily focus on advising their clients about specific financial products they sell - 401k, IRA, Mutual Funds, & Stocks, Your Family Bank® teaches a proven personal financial literacy program that is based on 7 steps that allow people to get immediate control of their spending, debt, savings, and taxation. We have a comprehensive financial management system that helps individuals and families effectively manage every aspect of their financial lives.


Have you ever said to yourself, "if only I had more money...?" The truth is you actually have a lot more than you think! At Your Family Bank®, we teach clients how to manage, maximize, and take control of their entire financial picture. You can live within your means and double, or even triple your wealth.