Be Your Own Family Bank!

THIS BOOK REVEALS ... how easy it is to become your own family bank.

  • Becoming your own banker can cure the four financial cancers that we all share: interest expense, depreciation, inflation and taxes.
  • Learn the secrets to financial freedom that banks don't want you to know.
  • Discover a secure and safe place to grow your money that has been around for over 200 years and which is quietly being used by thousands of successful business owners, affluent families, corporations, and even bankers daily.




Is it necessary to risk your money in order to grow it?

That’s what the conventional wisdom would have you believe. However, several recent studies have revealed some startling facts that Wall Street and Bay Street are praying that you don’t discover:

  • The typical equity investor has only earned 3.79% annually for the past 30 years, beating inflation for that period by less than 1% a year! Asset allocation and fixed income investors actually lost ground when factoring in inflation (Source: DALBAR 2015 Quantitative Analysis of Investor Behavior)
  • A survey by the Federal Reserve showed that an unexpected expense of just $400 would force the majorityof American families to borrow money or to have to sell something to cover it, leaving most families “extraordinarily vulnerable” to financial setbacks
  • Four out of five mutual funds and investment advisory services under perform the overall market over the long term (Source: The Hulbert Financial Digest)
  • Wall Street lost more than 49% of the typical investor’s money – TWICE – just since the year 2000! As a result, 72% of baby boomers believe they’ll be forced to postpone retirement, and half have little confidence they’ll ever be able to retire. (Source: AARP “Anxiety Index” Survey)

5 Key Benefits of Becoming Your Own Family Bank...

  1. Enjoy the peace of mind that comes from steady, predictable growth, year in and year out. You’ll always know the minimum guaranteed value of your retirement account on the day you’ll want to tap into it… and at every point along the way.
  2. Bypass banks, finance and credit card companies altogether by becoming your own source of financing for cars, vacations, a college education, starting a business and more. Get the money you need when you need it – simply by asking for it. In fact, famous people like Walt Disney, Ray Kroc and J.C. Penney used this method to start or grow their businesses when no bank would lend them a dime.
  3. Access the money in your plan – You can take money from your plan – whether you use it for purchases or investments – and have your money continue to grow just as if you never took it out! 
  4. A better way to save and pay for college
  5. An incredible way to live your life to the fullest while building a retirement nest egg.


Leslie Toth: I have been a licensed insurance broker for over twenty years. This book is a must read and a real eye opener for financial professionals as well as the general public. The concept is easy to understand and the solution is spelled out for us to take action. I am recommending this book to all of my clients and associates and I am convinced that it should be an integral part of basic high school curriculum.

Eric Hansen: Following the strategies and tactics from this book have been the most influential personal finance moves that my wife and I have made and they have already impacted our ability to plan for major life goals. I feel more on track and more in control of my financial future and far less at the mercy of the big banks and the policies of other consumer lenders. I lend to myself when I need it, on my terms and still keep building for our future goals without making any long term sacrifices to the bank's interest rates. Alberto really does provide access to having your cake and eating it to. Thank you Alberto!

Kevin Slack: Although this financial vehicle may not make exciting conversation for some, Alberto does a good job explaining and illustrating how this system, when set up properly, can have a huge impact on financial security and independence for almost any family. A must read for anybody interested in financial independence.

Tim Van Samang: Very interesting book! The cash flow banking concept made a ton of sense to me. Turning your expenses into income. Wow! I would definitely recommend this book. Especially, for people fed up with the low returns and hidden fees synonymous with your typical banking system.

Meet Alberto Storelli

A Private Banking System for Canadians

Alberto Storelli is the best selling author of  "A Private Banking System For Canadians", which ranked number one on Amazon’s best-selling list in Personal Finance. Alberto is also a member of the Million Dollar Round Table (“MDRT”), which means that he is recognized internationally for providing exemplary client service with the highest standards of ethics and professional knowledge in the financial industry. Furthermore, Alberto has qualified for several years for MDRT’s top qualification, ‘Top of the Table” which represents the best financial advisors in the world. Lugen Family Office works closely with Alberto, who is a certified Bank on Yourself expert, to provide our clients with innovative strategies on how to convert their expenses into guaranteed income.

Alberto is married and a proud father of two children. He earned his Bachelor of Economics from the University of British Columbia and has 17 years experience in the financial and estate planning industry.