About
Helping Families Build a Financially Independent Lifestyle
I’m Daniel Soto — a retired chiropractor, husband, and father of three. After building and selling a successful multimillion-dollar practice, I was fortunate to retire early. But the real foundation of my financial independence wasn’t just the business — it was the financial strategy I used behind the scenes.
Over the years, I implemented the privatized banking strategy through 10 carefully structured whole life insurance policies, which allowed me to grow wealth safely, access capital on my terms, and protect my future. Alongside that, I used additional income planning tools designed to safeguard my retirement and create guaranteed lifetime income — strategies rarely discussed but incredibly powerful.
Today, I help families and professionals build their own financial independence using the same proven tools. Whether you’re looking to protect your income, create lifetime retirement paychecks, or build wealth with guarantees, I’d love to help you design a plan that sets up your future with confidence.
Our Story
About What We Do & How We Got Here
Generational Wealth Concepts is a comprehensive personal financial education and implementation program for individuals, banks, entrepreneurs, health care professionals and small business owners.
We are not investment advisors who pick stocks or deal in financial exchanges.
We help individuals, banks, entrepreneurs and business owners build protection, safety and stability into their financial cash flow.
We make personal finance simple, and we make it understandable and customize it to your needs.
Mission
Being in debt can be such a horrible feeling. Yet paying off debt seems like such a hard thing for many.
The average savings rate in America is currently only about 6% of earned income. Meanwhile, the average American is spending around 34.5% for interest on debt!
By using Privatized Banking to pay off all your debts, you can recapture the interest that you are currently paying financial institutions. At the core of Privatized Banking is a dividend paying permanent life insurance policy which is used to create a BANK that you control. This policy is engineered to MAXIMIZE CASH VALUE even while you are using it for your personal financing. By recapturing your own debt and paying yourself the interest that you are currently paying others, you could increase your overall savings rate by over 400%!
Vision
With Privatized Banking you can get a higher rate of return on your investments.
If you first create a “Private Bank” that you control and has a guaranteed growth rate. Privatized Banking uses a (custom to your needs) dividend paying, whole life insurance policy to create this “BANK” then uses this growing “BANK” as collateral to finance your next investment. As your investment earns the return you expected, you pay down the collateral loan on your “BANK”. Meanwhile, your “BANK” continues to grow and accrue compound interest uninterrupted. If you pay cash for your investments, you are losing the interest that your cash could have earned when you make an investment. Privatized Banking allows you to purchase investments without giving up the interest your “BANK” is earning.
Values
Privatized Banking allows you to create wealth and pass it on for generations to come.
Here’s how it works –create a “Private Bank” that you control and is guaranteed to grow. Privatized Banking uses a (custom to your needs) dividend paying, whole life insurance policy to create this “BANK” then uses this growing “BANK” as collateral to finance your family’s purchases. As the money is paid back, you pay down the collateral loan on your “BANK”. Meanwhile, your “BANK” continues to grow and accrue compound interest uninterrupted. If you pay cash for your family’s purchases, you are losing the interest that your cash could have earned when you make a purchase. Privatized Banking allows you to purchase investments without giving up the interest your “BANK” is earning.
Our Company Mission & Client Vision
At Generational Wealth Concepts, we teach you how to BE THE BANK and enjoy the benefits of compound interest
Mission
Being in debt can be such a horrible feeling. Yet paying off debt seems like such a hard thing for many.
The average savings rate in America is currently only about 6% of earned income. Meanwhile, the average American is spending around 34.5% for interest on debt!
By using Privatized Banking to pay off all your debts, you can recapture the interest that you are currently paying financial institutions. At the core of Privatized Banking is a dividend paying permanent life insurance policy which is used to create a BANK that you control. This policy is engineered to MAXIMIZE CASH VALUE even while you are using it for your personal financing. By recapturing your own debt and paying yourself the interest that you are currently paying others, you could increase your overall savings rate by over 400%!
Vision
With Privatized Banking you can get a higher rate of return on your investments.
If you first create a “Private Bank” that you control and has a guaranteed growth rate. Privatized Banking uses a (custom to your needs) dividend paying, whole life insurance policy to create this “BANK” then uses this growing “BANK” as collateral to finance your next investment. As your investment earns the return you expected, you pay down the collateral loan on your “BANK”. Meanwhile, your “BANK” continues to grow and accrue compound interest uninterrupted. If you pay cash for your investments, you are losing the interest that your cash could have earned when you make an investment. Privatized Banking allows you to purchase investments without giving up the interest your “BANK” is earning.
Values
Privatized Banking allows you to create wealth and pass it on for generations to come.
Here’s how it works –create a “Private Bank” that you control and is guaranteed to grow. Privatized Banking uses a (custom to your needs) dividend paying, whole life insurance policy to create this “BANK” then uses this growing “BANK” as collateral to finance your family’s purchases. As the money is paid back, you pay down the collateral loan on your “BANK”. Meanwhile, your “BANK” continues to grow and accrue compound interest uninterrupted. If you pay cash for your family’s purchases, you are losing the interest that your cash could have earned when you make a purchase. Privatized Banking allows you to purchase investments without giving up the interest your “BANK” is earning.
Our Company Mission & Client Vision