19th Ave New York, NY 95822, USA

What is Private Banking?

The Private Banking Concept is a powerful way of thinking about and utilizing your money.  It is not a product but a process, a program, a Concept.

In life, you have been earning money, then making payments to others for their products.  You make the money and then send it away to someone else, never to be seen again and certainly never to be used again.

Instead, we want to use our money like a bank does.  The bank uses its capital to make a loan and over time receives all the capital back, plus interest. Then they do it all over again.

So why can’t we be the bank?  We can capitalize our “bank” by placing money into a specific financial instrument. This Instrument allows us to still use the money. Even while we are using the money we are still getting:

Guaranteed Growth – Earned Dividends – Tax Free Growth – Asset Protection – Generational Tax Free Wealth Transfer – No Market Risk – No Management Fees


You won’t be the first to say to yourself “this is to good to be true” and “why haven’t I heard about this before?  

We love answering questions and sharing the Concepts, one on one and through our workshops so contact us today to learn more.

“In 40 years of education this is the most powerful money concept I have ever learned and I will be doing it until I find something better or I die”

Are you ready to get started? Find an event near you or contact us directly.

Who We Are

Tim McPhee | Private Banking Concepts

Tim is the numbers guy. He helps you look at your assets and liabilities and come up with a plan to change your financial future.

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Marcy Predmore | Private Banking Concepts

Marcy is the licensed agent. She can help you to understand the concept, to recapture every dollar you spend and save.

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Jeannie Gizzo

A real financial eye opener. Tim and Marcia presented dozens of insights and tools for attaining, maintaining and sustaining personal financial health. We learned what the wealthy do that we “commoners” aren’t aware of to secure their financial futures – on their own terms. I highly recommend attending one of their events. 

★ ★ ★ ★ ★

Melissa Tietz
Melissa Tietz Consulting & Training

The Infinite Banking program is exceptional!

Infinite Banking is helping me run a more profitable business and I am also paying off some past expenses quicker than I ever thought possible. Tim and Marcy McPhee are so great to work with and very knowledgeable on this program. The Living Wealth staff has made the process quick and smooth in regards to applying for policies. I highly recommend Infinite Banking and working with Tim and Marcy! What a gift to be your own bank! So grateful to have found out about this concept.

★ ★ ★ ★ ★

Jeffrey Kamke

Paradigm shifting financial information. True processes that allow you to think and act like the wealthy with the same results of financial freedom, security, and control that changes the financial direction of future generations!

★ ★ ★ ★ ★