Your Money Should Work as Hard as You Do.

Private Banking Systems for Farmers & Ranchers

Most farmers and ranchers work hard their whole lives but never control where their money goes. We build you a private banking system so you can grow generational wealth on your own terms.

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Control Your Capital With Private Banking

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Build Wealth That
Lasts for Generations

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Fund Land, Equipment & Growth

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You've Built Something Real. But Your Money Is Still Someone Else's Asset.

You work the land. You save in good years and grind through the bad ones. But every dollar sitting in your bank account is an asset for their balance sheet not yours.

  • Your bank profits off every dollar you deposit

  • Volatility can erase years of discipline in a single market move

  • Equipment loans, operating lines, and mortgages funnel your interest to someone else's wealth

  • There's no system in place

  • The legacy you're building ends when you do, instead of compounding for the next generation

What We Build

One System to Give You Complete Control Over Your Capital, Future and Legacy.

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Foundation

Private Banking System Design - A custom build system of whole life insurance policies tailored to your income, tax situation, and long-term financial goals that act as your personal banking infrastructure.

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Strategy

Cash Flow & Capital Recapture - Every dollar paid in interest to an outside lender leaves your financial system permanently. We show you how to finance so that interest comes back to you rather than going to someone else.

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Legacy

Generational Wealth Planning - A properly structured financial system does not end with you. We design your policies so that they continue to grow and benefit generations, giving your children and grandchildren a working financial engine.

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Guidance

One-on-one Financial Education - Michael works with each client directly with a focus on honest, straightforward education about how money actually works, and what conventional financial institutions have little incentive to explain.

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Execution

Policy Implementation & Ongoing Support - After your system is in place, Michael remains accessible as your needs evolve, our team supports your policy needs, and the relationship continues as your wealth grows.

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Resources

Podcast & Educational Content - Our resources cover private banking and wealth building in plain, practical terms. For those who want to go further on their own, this content provides an excellent foundation with no financial background required.

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Why Michael Duryea

He Didn't Learn This in a Classroom. He Lives It.

Michael grew up around accounting and entrepreneurship. But even with that foundation, he had never heard of private banking until a mentor handed him a book. It took multiple readings before it clicked. When it did, everything changed.

He realized this wasn't a gimmick. It was a powerful, legitimate framework that families should have been using for generations. That moment is what he now guides every client through.

Michael is a licensed practitioner of the Nelson Nash Institute the original private banking framework and was personally mentored by Ray Poteet, a close friend of Nelson Nash himself. He doesn't just teach this concept. He has lived it for years building private banking systems for farmers, ranchers, and entrepreneurs across America.

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    "Michael has become a trusted advisor of mine and I appreciate his insight. Thanks to him, I am grateful to be a part of the IBC community. I appreciate Carolyn as well – thank you for the quick turnarounds on loan requests!"

    — Olin K.

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    "He has an ability to meet me at my understanding and is not afraid to speak the truth about the direction that needs to be taken. He went above and beyond – and I greatly appreciate the no-pressure, learning environment he brings."

    — Kyle W.

How it Works

Three Steps to Owning Your Financial Future

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Step one | Schedule a call

Book a discovery call with Michael. We will discuss your current financial position, your long-term objectives, and whether this approach is the right fit for you and your family. This is a straightforward conversation with no obligations and no sales pressure.

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Step two | Build Your System

Michael will design a private banking system built around your specific income structure, tax situation, and longterm goals. Every policy is custom designed for your unique circumstances.

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Step three | Live the Legacy

Put your private bank to work. Finance purchases through your own system, recapture dollars that would otherwise leave your financial picture, and build wealth that compounds over time and transfers to the next generation.

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About Duryea Financial

Built for the People Who Build America's Food Supply

Duryea Financial is a private banking consulting firm specializing in whole life insurance-based banking systems for farmers, ranchers, and agricultural entrepreneurs across the Midwest and rural America. Founded by Michael Duryea, the firm exists to give hardworking people access to the same wealth-building strategies the ultra-wealthy have used for generations.

Duryea Financial serves clients across the agricultural economy, from row crop farmers in the Midwest to cattle ranchers, specialty producers, and agricultural business owners who are tired of watching their hard-earned capital cycle through banks and markets they don't control. Every system is built custom there are no templates, no one-size-fits-all policies, and no pressure.

A Firm You Can Trust

Michael was personally mentored by Ray Poteet a close friend and student of Nelson Nash, the creator of the Infinite Banking Concept giving Duryea Financial a direct lineage to the original private banking framework. Unlike conventional financial advisors who operate on commissions and sell products designed for their firms, Michael's only objective is helping clients build real, lasting financial independence.

  • Authorized Infinite Banking Practitioner

  • Mentored by Ray Poteet

  • Specializing in Agricultural Clients

  • 100% Custom Systems No Templates

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See Why Farmers & Ranchers Trust Duryea Financial

In 2 minutes, understand exactly why the conventional financial system isn't built for agricultural entrepreneurs and what a private banking system can do that nothing else can.

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FAQs

Everything You're Wondering, Answered Straight.

  • The purpose of IBC is to control the financial environment in which you operate. A banker is always in control of income, expenses, risk, assets, liabilities, and cash flow. IBC is the process of becoming your own banker, by reclaiming ownership of that control. It’s a financial strategy that uses a system of dividend-paying whole life policies to create your own private source of capital. Instead of depending on traditional banks for financing, you build up cash value inside your policies over time and can borrow against it on your own terms to create privately controlled leverage, effectively functioning as your own banker. Someone must control the financial environment in which you operate, and that someone is always called a banker. It can be no other way.

  • The biggest difference comes down to efficiency and access. Unlike a savings account or retirement fund, an IBC policy allows you to tap into your money without the usual barriers—no penalties, no waiting periods, and no need for permission from a financial institution.

    Even better, your cash value continues to grow and earn interest while you have an outstanding loan against it. In other words, your capital keeps working for you instead of sitting on the sidelines.

    A 401(k) taxes you later—on a larger amount after it has grown—whereas a policy taxes you now, on a smaller amount before it grows. Additionally, given the scale of the national debt, it’s reasonable to expect that taxes may increase over time. A whole life policy locks in today’s tax rates, rather than leaving you exposed to whatever rates may be in the future.

    Lastly, a 401(k) restricts access to your money until later in life, after inflation has potentially reduced its value. In contrast, a policy allows you to use your money today, when its purchasing power is highest.

  • Absolutely not. IBC is a legitimate, time tested financial strategy built on dividend paying whole life insurance policies, which is a product that has been around for well over 150 years. Any confusion usually stems from policies that were poorly structured or clients who weren’t fully educated on how the process works. At Duryea Financial, we make sure you truly understand IBC and how to make it work for your family.

  • It’s actually pretty straightforward. When you take a loan against your policy, the insurance company uses your cash value as collateral. This is key! You aren’t withdrawing your money, you’re borrowing against it. Because of this, your full cash value continues to earn interest and dividends uninterrupted. Plus, you get to skip the red tape: there are no set repayment schedules, no credit checks, and no approval process.

  • The tax benefits are huge. The cash value inside a properly structured whole life policy grows on a tax deferred basis, and you can always access policy loans income tax free. As an added bonus, the death benefit paid to your beneficiaries is typically received free of income tax. This makes IBC a highly tax-efficient component of a long-term financial strategy.

  • IBC works best for individuals, families, and businesses who are financially stable, willing to commit to a long-term strategy, and looking for more control over how their money is managed and used. Business owners, farmers, ranchers, real estate investors, and high-income earners often find IBC especially valuable, but the concept can benefit anyone with the discipline and financial capacity to fund a policy consistently.

  • It’s absolutely crucial! It’s the whole ballgame, really. Not every whole life policy is built for IBC. A policy designed for infinite banking needs to be structured specifically to maximize cash value growth, not just the death benefit. Partnering with a knowledgeable advisor who understands IBC policy design is one of the most important steps you can take to ensure the strategy performs the way it should. Many IBC agents structure policies so that they have TOO MUCH cash at the beginning, which creates devastating structural problems later in the policy that cannot be fixed.

  • You need to view IBC as a long-term wealth building strategy, not a quick fix. While you can start accessing your cash value relatively early, the real power of the concept compounds significantly over time. Most clients start seeing meaningful momentum in the first 5–7 years, with the strategy becoming increasingly powerful as the years go on. Infinite banking is only for those who are willing to think long range.

  • We use dividend-paying whole life insurance for becoming our own banker because that's what the banks use. Don't take our word for it. Go to:

    https://www.bauerfinancial.com/product-category/reports-for-consumers/

    Download current financials for any bank. You will see substantial life insurance cash values on the balance sheet of any bank you want to investigate. There is a lot of hype about what a "bad product" whole life insurance is. If it's so terrible, why do banks buy so much of it? The only reason banks do not buy more whole life insurance than they already have is because the government creates laws that puts limits on what portion of a bank's balance sheet can reside in life insurance companies.

    As of September 30, 2024, 3,053 banks nationwide reported cash surrender values on their regulatory filings. 80% of banks nationwide with assets between $500 million and $10 billion currently own BOLI (Bank Owned Life Insurance), with $205.7 billion of BOLI cash value on bank financials as of that date.

You've Built Something Real. Your Money Should Match It.

The call costs you nothing. The conversation might change everything. Book your free discovery call with Michael today.

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