THE FOUR BANKING RELATIONSHIPS EVERY WEALTH BUILDER NEEDS

Hey Everyone,

Whether you’re a professional athlete, high net worth individual, or an entrepreneur building real wealth—banking relationships are everything.

Not just to store your money—but to move capital, protect it, grow it, and borrow it strategically.

After nearly a decade in the NFL and years of investing in real estate, private lending, and business ownership, I’ve learned that financial flexibility doesn’t come from having just one bank… it comes from having the right relationships across four key categories.

1. Investment Firm (Your Financial Engine)

Think: Charles Schwab, Fidelity, TD Ameritrade, Vanguard

This is where your wealth grows passively. You hold your brokerage accounts, retirement plans (IRA, solo 401(k), Roth), and market exposure. If you’re working with a financial advisor, they often use one of these platforms.

What to do here:

Automate long-term investing (stocks, index funds, ETFs)

Store dry powder for syndications or opportunity plays

House retirement vehicles like solo 401(k)s for tax efficiency

This is your financial warehouse, not your daily spending account.

2. National Bank (Your Operating System)

Think: Chase, Bank of America, Wells Fargo

This is your primary banking interface. These institutions offer tech, scalability, and brand recognition.

What you want here:

Strong online and mobile banking

Business accounts, credit cards, and ACH/wire capabilities

Access to national lending products, mortgages, and premium services

I personally like Chase—it’s been reliable, and their private client offering is solid for managing high cash flow.

3. Local Bank or Credit Union (Your Relationship Bank)

Think: Your neighborhood bank or regional credit union

This is your creative banking partner. They’re nimble, accessible, and relationship-driven. The deeper you go, the more they’ll work with you on unique loan structures, portfolio loans, and lines of credit.

They don’t care as much about algorithms—they care about you.

Where they shine:

Approving you based on relationships, not just DTI or algorithms

Cross-collateralization and creative real estate lending

Faster decision-making, especially if you’re known in the community

If you’re serious about real estate investing or business ownership, a great local bank is an asset most people overlook.

4. Specialty Lenders & Private Lending Relationships (Your Secret Weapons)

This is where the real game begins.

These are lenders and brokers with niche expertise—fix & flip lenders, DSCR loan providers, small-balance commercial lenders, and private capital firms (like 42 Solutions). When traditional banks say no or move too slow, these are the people who say yes—fast.

What they bring:

Speed and flexibility for real estate acquisitions

Niche loan products that solve complex problems

Deal-based approvals (not just income or credit driven)

Your goal here isn’t to shop around every deal—it’s to build trust with a handful of go-to lenders so you can move fast and fund deals on your terms.

Why This Matters

Most people rely on one bank and call it a day. But one financial relationship can’t do everything. You need a full stack:

Investment firm for growth

National bank for cash flow and liquidity

Local bank for creative capital

Specialty lenders for tactical execution

When you build relationships across all four, you’re never stuck. You have options, leverage, and real financial power.

This is how the wealthy play the game—and it’s how I’ve structured my entire ecosystem under Kennard Capital and 42 Solutions.

If you’re in Arizona and have any interest in 42 Solutions becoming your specialty niche Private Lender respond to this email and we will get you plugged in.

DK 💰