Perpetuate Your Family’s Prosperity

We Help You Build Multi-Generational Wealth and Create a Legacy of More Than Money

Most financial plans only focus on money. We help you build a legacy of wisdom, not just wealth, so your family is equipped to grow what you’ve built across generations. Through legacy financial planning and the Wealth Creator’s Cash Flow System, you’ll gain control, protect your values, and be your own banker.

The Money Advantage

Typical Financial Advice Is Broken (So We Fixed It)

Most financial advice pushes products, masks complexity, and leaves families without a clear strategy. It’s fragmented, transactional, and short-sighted. That’s why we created the Wealth Creator’s Cash Flow System—a proven framework that puts you back in control of your finances and your future.

This isn’t just about becoming your own banker. It’s about creating a system that funds your values, protects your family, and multiplies your impact across generations.

Here’s how it works:

- Stabilize your cash flow so you’re not building wealth on shaky ground

- Protect your assets through legal and financial structures that align with your legacy

- Grow purpose-driven wealth by investing in alignment with your values and vision

This is legacy financial planning that actually works—simple, strategic, and built to last.

Your financial life shouldn’t feel like a puzzle you have to solve alone.

Let us show you how to build a system that works for your life today—and your legacy tomorrow.

Learn more about how this system supports your financial legacy planning.

Introducing Our Wealth Creator’s Cash Flow System

The Wealth Creator’s Cash Flow System is a proven framework that puts you back in control of your finances and your future.

This isn’t just about becoming your own banker. It’s about creating a system that funds your values, protects your family, and multiplies your impact across generations.

Wealth Creator's Cash Flow System

How It Works

Foundation

Stabilize your cash flow so you’re not building wealth on shaky ground.

Protection

Protect your assets through legal and financial structures that align with your legacy.

Increase

Grow purpose-driven wealth by investing in alignment with your values and vision

Accomplish Time and Money Freedom Systematically, Without It Being Painful, Complicated, or Haphazard

The Wealth Creator’s Cash Flow System simplifies your next steps, so you know what to do, when to do it, and why it matters - for your life today and your legacy tomorrow. It’s legacy wealth planning with clarity.

The Money Advantage Financial Legacy Planning is Perfect For:

Entrepreneurial Business Owners

Don’t just leave the business. Leave the blueprint

We help you stabilize profitability, access capital without banks, and build a financial system that reinvests into your future. Become your own banker. Reinvest with clarity. Protect what matters. This is how you design wealth that serves your family, long after you’re gone.

High-Paid Professionals

Your paycheck is powerful—but it’s not a legacy.

We help you convert high income into long-term wealth, designed for generations. With intentional legacy financial planning, you’ll create an asset-based income stream, protect your family, and build a plan that outlives you. Both for retirement—and for the generations coming behind you.

Take Control of Your Finances

The Wealth Creator’s Cash Flow System simplifies your next steps, so you know what to do, when to do it, and why it matters - for your life today and your legacy tomorrow. Here are the core strategies we use to help you unlock its full potential.

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Infinite Banking Concept

Tired of asking banks for permission? It’s time to become your own banker.

Use dividend-paying whole life insurance to access capital, grow wealth with tax-advantages, and build a legacy that lasts. Control your money—on your terms.

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Family Banking Formula™

Build a lasting family banking system using dividend-paying whole life insurance.

The Family Banking Formula shows you how to grow, protect, and pass on wealth while teaching stewardship that lasts generations.

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Family Legacy Planning

Create a multigenerational legacy rooted in faith, family, and purpose.

This framework goes beyond estate planning to help you transfer values, not just assets, so your descendants are equipped to thrive.

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Cash Flow Strategies

Stop living by financial guesswork. Build a system that puts every dollar to work—with clarity, liquidity, and long-term purpose.

Learn how to optimize your income, reduce tax drag, and create a rhythm for real financial freedom.

Get Your Copy of Our Seven Generations Legacy Book

Get your digital copy of our new book Seven Generations Legacy: Design a Multigenerational Legacy of More Than Money today for just $4.99.

Learn more about our unique approach and take the first step toward better financial planning for your family, your money, and your legacy.

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who we are

Who Are We

At The Money Advantage, we help legacy-minded families create lasting wealth through financial strategies that actually work. We’re not just here to help you become your own banker. We’re here to help you lead your family with confidence, steward what you've built, and multiply your impact across generations.

Our co-founders, Lucas and Rachel Marshall, along with Bruce Wehner, bring decades of experience in business ownership, cash flow strategy, and legacy-centered financial planning. We walk this road ourselves—and we guide families through every step of it.

Behind the scenes, we operate with a family office mindset—giving you access to an integrated team of trusted professionals across cash flow management, business growth, investment strategy, insurance design, Infinite Banking, tax mitigation, estate planning, and asset protection.

From podcasting and coaching to full-service implementation, we equip you with the clarity, tools, and guidance to build a financial system that actually works—for your life today and your legacy tomorrow.

Why the Money Advantage

At The Money Advantage, we believe your financial strategy should reflect your values, not someone else’s agenda. That’s why we created a proven system to help you reclaim control, simplify your decisions, and build a legacy that truly lasts.

Clarity with Purpose

Get a clear, purpose-driven path to legacy wealth—rooted in strategy, not just numbers.

Control and Confidence

Gain practical tools and personalized coaching to keep more of your money, become your own banker, and invest with confidence.

Generational Impact

Build lasting stability and impact with family-centered strategies designed to benefit generations to come.

Client Testimonials

“We were blessed, but directionless—like driving down the road without a map. We didn’t want to just leave an inheritance; we wanted to leave intentional...
4 weeks ago
Buffy Ruthardt
I heard about The Money Advantage from their podcast and listened to several episodes. I’d heard about Infinite Banking from other sources and was...
a year ago
Pawan Arora
I found that The Money Advantage had alternative investments and resources that we did not have. My husband is an entrepreneur, and we needed...
a year ago
Sherry Berman
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Dr. Lee & Candice Matthis

Doctor of Chiropractic

Working with The Money Advantage team brought so much clarity to our financial life!  A very genuine relationship was built, and Candice and I felt like we were the center of attention.  Options and education were offered and then my wife and I made our decisions and were supported the whole process through.  We implemented Privatized Banking as a way to leverage our assets, gain control, and have the freedom to accept an opportunity and not have to pass it up. We really liked their team approach, where everyone brings a different bit of wisdom to the meetings.  They are authentic people who are very giving of themselves and their knowledge.

Nnene-K-Mbonu

Nnene K. Mbonu

Analyst, Photography By Nnene / Real Estate Investor

Rachel and The Money Advantage team have truly helped in my search for a better understanding of the Infinite Banking Concept as well as ways to improve and take control of cashflow; not only for my business/real estate but also my personal economy. They did a great job at aligning both; I truly appreciated their holistic and personalized approach to match my short- and long-term goals.

 
I see the pride and passion they have for educating and building long-lasting relationships with their clients. I cannot recommend them enough! As it’s been an enlightening journey for me. I also highly recommend listening to their podcast!
Aaron-R-Knight

Aaron Knight

President Integrity Building and Restoration Services, LLC

Rachel and The Money Advantage team are very sincere people. They have a heart to give and a willingness to help others. They explained to my wife and I very clearly and effectively the different ways to manage our wealth. In a world full of uncertainty, The Money Advantage team are people you can trust. You will realize this from the first time you meet them. I would recommend them to anyone.

Moses Seuram

Moses Seuram

Realtor, New York State Association of Realtors President 2019

"I personally have experienced what a wonderful company and educator The Money Advantage is to me and my fellow REALTORS in the state of New York. The Money Advantage is unique in its teachings whereby education and knowledge are the primary goals. Rachel and her team are extremely professional and do an excellent job analyzing their clients’ needs and goals and strategizing how to best accomplish them. I highly recommend you listen to all the podcasts and hope you will conclude my recommendation was right on."

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Ian Adams

The Money Advantage team gave me a clear explanation of Privatized Banking policy design, including: LPUA, base, and term proportions.  I had a sense of their knowledge and perspective given other research I'd done. They are very patient, friendly, provide knowledgeable service, and I had the sense that they've been doing it a while.  

Carl Cleanthes

Carl Cleanthes

Founder Epic Made

I had the opportunity to work with Rachel Marshall and The Money Advantage team several years ago. Rachel helped me assess every area of my financial life from a new perspective. I began consistently working on my mindset, became aware of my cash flows, and covered every strategy to save and protect my money so I could be in financial control. The Money Advantage team truly cares about the financial success of everyone they work with and has helped me leverage my money in ways I had not previously considered.

Kyle Kelly

Kyle Kelly

Realtor, Long Island Board of Realtors YPN President 2017-2018

I brought Rachel and The Money Advantage team in to speak to our YPN organization. There was such positive feedback, as they gave hope and solutions to many of the financial challenges we face directly as real estate professionals and business owners. When I sat down with them personally to discuss my own financial strategy, they helped me fully understand my financial picture, cash flow, and my options so I was empowered to make the best choices. The Money Advantage team are true Go-Givers, who really want to make a positive difference in the lives of everyone they serve. Since meeting them, I can't help but urge everyone I encounter to have a conversation with Rachel and her team and get started on their path to financial freedom.

"They helped us restructure our business entities into a more advantageous tax structure where we saved taxes right off the bat...If you are looking for a partner to look at your business and personal finances holistically, I highly recommend The Money Advantage" - Susan Dison

"The Money Advantage has access to all the experts, including accountants and investment advisors...they have so much knowledge in so many fields. I worked with their team for about three years and saved a lot in taxes during that time." - Dan Arsenault

"The Money Advantage gives us access to resources that mega-wealthy families have in a family office, a whole team of people that are working together for the individual, which is something you will not find in any traditional financial service." - Sherry Berman

"We didn’t want to just give an inheritance… we wanted to raise stewards. And now we are.” - Darren and Buffy Ruthardt

Shannon Love

"Our kids felt valued. They felt included. And they were excited to carry this forward to the next generation. - Shannon Love

*Individual Results, Results Not Typical. See Our Testimonials & Earnings Disclaimer For More Information.

Do the Most with Your Money

At The Money Advantage, we believe your financial strategy should reflect your values, not someone else’s agenda. That’s why we created a proven system to help you reclaim control, simplify your decisions, and build a legacy that truly lasts.

Here’s what you’ll gain when you work with us:

Clarity with purpose: A clear path to legacy wealth planning rooted in purpose, not just projections

More control over your money: Practical tools to keep more of the money you make and put it to better use

Confidence in your strategy: Personalized coaching to help you be your own banker and invest with confidence

Long-term family impact: Family-centered strategies that create stability and have an impact for generations to come

Whether you're just getting started or already building wealth, we’re here to guide you every step of the way.

Book a conversation today and begin designing the future you actually want to live.