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Private family banking transforms your capital into a powerful tool you can use today, not years from now.
For most successful professionals and business owners, the problem isn’t income. It’s access.
You’ve grown a business, advanced in your career, followed the rules of financial discipline. But when it comes to using your money with freedom and speed, something’s missing.
You feel the tension: rising income, but rising pressure. Strong balance sheet, but limited liquidity. Financial “success,” but not the control or flexibility that should come with it.
That’s what private family banking is designed to fix. And it doesn’t require giving up protection, growth, or long-term planning.
We walk through how private family banking works in detail inside our Family Banking Blueprint. It’s your next step toward clarity, momentum, and control.
Learn how successful families and business owners use life insurance to create flexible capital, protect assets, and leave more behind.
Private family banking is a strategy built around a specially designed whole life insurance policy. It’s leveraged not only for its death benefit, but also for the financial leverage it creates while you're alive.
Private family banking allows you to borrow against your policy’s cash value to access capital. Meanwhile, the full value of the policy continues to grow and earn dividends in the background.
Unlike traditional financial tools, private family banking empowers you to access your money while it continues to grow.
There are no credit checks, no loan applications, and no need to sell investments. You’re creating a private pool of capital you control, and a financial system that belongs to you.
The structure works quietly behind the scenes, but the benefits are anything but subtle.
It gives you the power to act on opportunities instead of watching them pass.
It allows you to manage risk without surrendering control.
It builds financial confidence not through prediction, but through preparation.
The reason most financial plans fall short is because they separate protection, liquidity, and growth.
One account manages investments, another handles insurance, with no integration.. You’re stuck with disconnected tools, missing opportunities because your capital is tied up.
Private family banking changes that. It unifies growth and liquidity in one engine. Your money can now move, compound, and support strategic opportunities all at once.
Our clients use private family banking to:
Refinance business or personal debt internally.
Access capital for real estate, new ventures, or family needs.
Smooth out uneven cash flow or hedge against market volatility.
Fund generational planning without losing flexibility.
It’s not about what you earn. It’s about how you use what you’ve already built, and how many times you can put your money to work without having to ask for permission.
This strategy resonates with Builders, Optimizers, and Legacy-Minded Professionals. These are people who are earning well but want more control.
You may be preparing for a business exit. Building long-term security for your family. Or simply frustrated that your money isn’t flowing fast enough. Private family banking gives you options most advisors never mention.
It’s especially valuable for business owners who want a way to extract value from their company without selling equity or sacrificing momentum.
Professionals often appreciate how it gives them access to capital for family needs, real estate, or tax strategies. And it does this without creating new liabilities or draining retirement accounts.
You don’t need to be ultra-wealthy to get started. But you do need to think long-term, act strategically, and value coordination over piecemeal solutions.
Private family banking doesn’t replace your current plan. It strengthens it.
It adds a layer of control, liquidity, and tax efficiency that most portfolios are missing. It integrates with your estate strategy. It unlocks new options in retirement.
And it gives you a way to teach financial principles to your children through action, not just conversation.
It also becomes the flexible, living reserve your plan has been missing.
When markets dip, you avoid selling assets at a loss. When opportunities emerge, you access liquidity instantly without delay. When life shifts—retirement, health events, business transitions—you already have a mechanism for moving forward with confidence.
Once this system is in place, many clients find they finally have a plan they understand and trust. They’re no longer depending on outside banks or exposed to market guesswork. Their capital becomes something they direct, not something they hope works out.
You might be wondering: if this strategy is so effective, why doesn’t every advisor recommend it?
The answer is simple: most advisors aren’t trained to think in systems. They’re trained to sell individual products or manage isolated accounts.
Private family banking isn’t a product. It’s a strategic design. It requires understanding how insurance, taxes, estate planning, and cash flow interact over decades.
It demands a commitment to clarity. At Garda Insurance, we guide you through the policy’s structure, numbers, and seamless integration into your financial plan.
You’ll understand what’s happening and why. Because no one should commit to a financial strategy they don’t fully grasp.
This isn’t about blind trust. It’s about educated, confident ownership of your private family banking plan.
Most clients are surprised by how quickly the private family banking process begins.
With a private family banking policy, you can often access your cash value through policy loans within the first year. Sometimes even within the first 30 days. This is a significant advantage compared to traditional whole life policies. In some cases, it might take many years to build up enough cash value to borrow against.
And the benefits grow over time. As your capital base increases and your system expands, so does your ability to act with speed, purpose, and precision. This isn’t a short-term tactic. It’s a long-term structure designed to accelerate every part of your plan.
In other words, momentum doesn’t have to wait with private family banking.
You have access to capital when you need it, and confidence when you don’t.
You act on opportunities without triggering taxes or market losses.
You stop worrying about what happens when “the market’s down.”
You operate from a plan that gives, grows, and guides at the same time.
That’s what private family banking offers. It’s not magic. It’s just smarter structure.
Want to see how it works?
Or if you’d rather talk through your goals in real time, we’re always glad to start that conversation.
*Disclaimer: Financial Advisors do not provide specific tax/legal advice and this information should not be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation. Separate from the financial plan and our role as a financial planner, we may recommend the purchase of specific investment or insurance products or account. These product recommendations are not part of the financial plan and you are under no obligation to follow them. Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods.