Your Family Bank

Affordable Insurance Plans for Singles, Families and Businesses



The Your Family Bank® concept starts with a story … the story of Mark and Joyce. Mark and Joyce are not unique. In fact their situation is one that millions of Americans find themselves in every day.  They work hard and try to save as much as they can to get ahead, but they have leaks in their financial plan that most Representatives are not concerned with.

Traditional planners have come to Mark and Joyce with solutions that only involve a higher rate of return or contributing more to their investments. This is simply something Mark and Joyce could not do at this stage of life and they are not interested in taking more risk.

This is where the unique approach of the Your Family Bank® concept can help. Rather than focusing on a higher rate of return and ever increasing contributions they did not have, the YFB Representative looks for methods to help the client with core financial planning that they can control.  At YFB, we have a great story to tell that has helped Mark and Joyce, as well as thousands of people just like them. With the help and guidance of their YFB Representative Mark and Joyce are now confident about their financial future, and you can be too.



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. Mark and Joyce can control their spending, debt, savings and taxation with the 7 Steps of Money Management while also accomplishing much more.

  • 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
  • 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
  • Establish an emergency fund



Your Family Bank® is a fantastic opportunity for small business owners to not only help their business, but also help their family and their retirement.

Small business owners are hugely underserved in the financial landscape.

In the early years of the business, money is lean. Every penny is used to keep the business afloat.

Saving habits need to start as soon as possible but are sometimes pushed aside because the business is hungry and must be fed.

Often small business owners feed this hunger by acquiring substantial debt. They need new employees to grow the business, more marketing dollars to sell their product or service, and the list goes on and on.

Your Family Bank® can be a source of funds for these expenditures and you can actually capture excess interest and all principal that you are paying other institutions; and at the same time, create a retirement plan for yourself that is Tax-Free. From petty cash to payroll, funds are continuously moving through Your Family Bank®.

Whenever a business owner utilizes the advantages of Your Family Bank®, their reliance on financial companies for working capital quickly diminishes. With time, the business can produce 100% of its financing needs from Your Family Bank®.


These days, high school grads as well as their parents view a college education as a “must have” to get a career-worthy job after graduation. But college is an expensive “necessity” and getting more expensive each and every year.

With the cost of higher education rising faster than the cost of inflation, it is estimated that the parents of today’s 4-year-olds could face college bills of more than $200,000 per year.

Sure, the numbers are scary, but if you start saving regularly while your child is in diapers, you’ll put yourself in a good position financially by the time your son or daughter is ready to hit the co-ed bathrooms. Also, don’t forget that the availability of financial aid, loans, and education credits and deductions means you may not have to foot the entire bill yourself.

The problem is that most of us have not done a good job at saving for college. We have known of this impending doom since the day the children were born, but the everyday challenges of life have gotten in the way.

That is why Your Family Bank® is the perfect solution to this dilemma.  If you see the value of getting out of debt, stop paying 34 cents of every dollar to interest and the value of reducing you tax bill, you are at the right place.

Now you will have the ability to offset the tuition monster using the 7 Steps of Money management and propel you down the road to success.


Time-proven foundational principles are the best way to get back on track to your financial well-being.

1.  Knowledge: Knowledge becomes power only when we put it to use.

2.  Cash Flow: When you track your money, you control it.

3.  Debt: Minimize debt to create additional wealth.

4.  Taxes: The less you pay, the more you keep.

5.  Risk: Don’t lose a lifetime of work.

6.  The Big Picture: Know where you are going and how to get there.

7.  Your Decision: “The secret to getting ahead is getting started.” – Mark Twain


Improving workplace productivity, health and well-being through personal financial education…

Financial concerns may be a personal matter, but they directly affect the workplace.

Research shows that 25 percent of employees have financial problems severe enough to have a negative impact on their productivity.

A financially stressed employee spends an average of 20 hours per month of work time on his or her personal financial problems

Your Family Bank® provides a variety of workplace personal financial education training courses that are proven to improve employee performance, morale, loyalty and participation in employer-sponsored benefit programs.

We offer a full range of structured and custom programs that will fit your needs. Contact us for program details, topics covered and the material provided.