Latest / The High Net Worth Podcast with Fexingo: Wealth Management, Tax Strategy, and Affluent Finance
How Wealthy Families Use Family Banks for Intrafamily Lending
In this episode of The High Net Worth Podcast, Lucas and Luna explore the family bank strategy — a formalized approach to intrafamily lending that wealthy families use to replace commercial lenders, reduce estate taxes, and teach financial discipline to the next generation. Lucas explains how a family bank works by using a trust or LLC to pool capital and make loans to family members for real estate, business ventures, or education. He walks through a concrete example: a $5 million family bank making a $1.2 million mortgage loan at the applicable federal rate of roughly 3.4 percent, saving…
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