# Flourish with Max Lane | E442

Page: https://stenobird.com/podcast/fintech-impact-732879/flourish-with-max-lane-e442
Text version: https://stenobird.com/podcast/fintech-impact-732879/flourish-with-max-lane-e442.md
Podcast: [Fintech Impact](https://stenobird.com/podcast/fintech-impact-732879)
Published: 2026-08-25T10:00:00+00:00
Episode link: https://shows.acast.com/fintechimpact/episodes/flourish-with-max-lane-e442
Audio file: https://sphinx.acast.com/p/open/s/5ab6fe42bb6ddf45527e077e/e/6a7cac51baea6e03b0173990/media.mp3
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JSON: https://stenobird.com/v1/public/podcasts/fintech-impact-732879/episodes/flourish-with-max-lane-e442
Duration seconds: 1661

## Resource

Host Jason Pereira interviews Max Lane, CEO of Flourish, a wealth tech platform aiming to bring private bank-like banking and lending experiences to independent RIAs. Lane explains Flourish’s origins in 2017 out of a New York asset manager serving RIAs, launching Flourish Cash in 2018 and recently Flourish Lending for residential mortgages and refinancing. He describes how advisors use Flourish Cash to bring held-away client cash into view, offering a single 3.25% APY, elevated FDIC pass-through insurance via 40+ program banks (up to $7.5M individual, $15M joint), and advisor tools like “Notable Transfers” for planning opportunities. Flourish Lending provides advisor-centric origination, rate scanning, dedicated loan officers, and refi monitoring alerts to help retain clients and compete with private banks’ relationship pricing; monetization comes from cash spread and mortgage commissions. Episode Highlights: 00:00 Welcome and Guest Intro 00:19 What Flourish Does 00:50 Origin Story and Products 02:35 Why Advisors Need Banking 03:47 Cash and Lending Value 07:53 Cash Balances Reality Check 09:44 Flourish Cash Workflow 13:50 Flourish Lending Workflow 18:24 How Flourish Makes Money 20:38 FDIC Coverage Explained 22:54 Three Closing Questions 26:38 Wrap Up and Call to Action Resources: Facebook – Jason Pereira's Facebook LinkedIn – Jason Pereira's LinkedIn Woodgate.com – Sponsor Flourish LinkedIn - Max Lane’s LinkedIn Hosted on Acast. See acast.com/privacy for more information.

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## Transcript

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