Frequently Asked Questions (FAQ’s)

“Progress requires a trained leadership class—people with skill, discipline, and moral responsibility—who understand that their education is not for personal escape but racial obligation.”
— W.E.B DuBois

1. What is the Black Royalty Wealth System?

The Black Royalty Wealth System is a multi-generational financial framework designed to help Black families build, protect, and transfer wealth intentionally. It combines early investing, financial education, life insurance, trusts, and disciplined planning to ensure no generation ever has to start from zero again.

2. Who is this system for?

This system is for everyday Black families, not just the wealthy. Whether you’re starting with $25 a month or $100 a month, the system is built to scale over time. What matters most is starting early and staying consistent.

3. Do I need to be wealthy to begin?

No. The system is intentionally designed so families can start small. Even modest monthly contributions—when paired with time, compounding, and structure—can create significant long-term outcomes.

4. Why start investing at birth?

Time is the most powerful wealth-building tool. Starting at birth allows investments to compound for decades. This gives children a financial head start that most adults never receive, dramatically changing their life options.

5. Why are there two brokerage accounts for each child?

Each account serves a different purpose:

  • Account 1 (Access at ~25): Early adult capital for opportunity, leverage, or entrepreneurship.

  • Account 2 (Access at ~60): Long-term retirement security and trust funding.
    This separation ensures short-term access doesn’t jeopardize long-term stability.

6. What role does financial education play?

Financial education is the backbone of the system. Children are taught age-appropriate money skills from early childhood through adulthood—covering budgeting, investing, credit, business ownership, real estate, and leverage—so they grow up fluent in wealth, not fearful of it.

7. Why involve life insurance at age 18?

Life insurance is used as a wealth preservation and replenishment tool, not just protection. Purchasing a policy at 18 locks in the lowest premiums, builds long-term cash value, and ensures the family trust can be replenished when wealth transfers occur.

8. Why whole life insurance instead of term?

Whole life insurance provides:

  • Lifetime coverage

  • Cash value accumulation

  • Predictable growth

  • Tax advantages

  • Trust funding upon death
    It functions as a financial tool, not just an insurance product.

9. What is the purpose of the family trust?

The trust acts as the engine that keeps wealth moving forward. It:

  • Receives life insurance payouts

  • Funds brokerage accounts for future generations

  • Pays life insurance premiums

  • Protects assets from probate and unnecessary taxation
    The trust ensures the system continues even after the founder is gone.

10. How does this create “two inheritances” for each descendant?

Each descendant receives:

  1. Direct inheritance from their parents (assets, property, investments)

  2. Indirect inheritance from the family trust (funded by grandparents’ life insurance and investments)
    This layering dramatically increases stability and opportunity.

11. What happens if a family member struggles financially?

The trust can function as a family bank, providing structured support for emergencies or opportunities—education, homeownership, or business—without relying on predatory lending or outside institutions.

12. What makes this system self-replenishing?

Life insurance payouts replenish the trust. Investment growth funds future contributions. Over time, out-of-pocket contributions decrease, and the system sustains itself across generations.

13. What if my child doesn’t go to college?

College is an option—not a requirement. The system prioritizes financial independence, ownership, and optionality, whether through business, trades, investing, or higher education.

14. What support does Black Royalty provide?

Black Royalty provides:

  • Coaching and planning support

  • Ongoing financial education

  • System design and implementation

  • Accountability and long-term guidance
    Families are not expected to navigate this alone.

15. What is the most important thing to know before starting?

The person who starts this system is changing the trajectory of their bloodline. It requires discipline, leadership, and sacrifice—but the reward is generational stability, dignity, and freedom that outlives the founder.

 
 
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