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MWR Financial Review (2022): Best MLM To Join If You Want To Make Money?

Last Updated: November 29, 2022
By: Hope
By: Hope
MWR Financial Review


This MWR Financial review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

What I Liked

What I Didn't Like

Before we get into it... who am i?

Always good to put a name to a face, so firstly, my name is Hope!

Like you, I was stuck working 8-10 hour days building someone else’s dream.

I worked at one of those cool tech companies that has omelet stations for breakfast & craft beer on tap for after hours.

To a lot of people that’s a dream, but to me… something was missing.

All I really wanted, was to actually enjoy life – more vacations, less stress, buy myself nice things without worrying about the cost… but that was something my 9-5 couldn’t provide me.

That was until a few years ago when I discovered a way to make money online by actually helping real people. 

People in this case were local business owners across the US.

Me and My Puppy

The page above is an example of how I do it. That one-page site generates $1,500/mo and I haven’t even touched it since it was put up.

That’s an $18,000/year raise from just one page.

That’s why local lead generation is my #1 business recommendation for recurring, semi-passive income. If you want to learn about that business model, click here.

Important: I am not an affiliate

for MWR Financial

Why Does That Matter?

A lot of course reviewers have no experience with any of the business models or programs they review, and so they’re just making stuff up.

They do that because they want you to click through their link to buy from the person that the review is about!

They have no clue what it’s actually like to run the type of business MWR Financial is teaching you to do.
I have absolutely no relationship with MWR Financial, so you can rest easy knowing that I’m going to give you my honest opinion
This review is written based on my own experiences with this business model.

All that being said, let’s jump into things.

I will discuss these benefits and downsides of MWR Financial in this review.

But before I get there, I need to examine whether affiliate marketing is a viable business strategy.

MLMs like MWR Financial are a bit of a mixed bag. They CAN be a legitimate way to make money, but some have a reputation for literally ruining people’s lives – so it’s important to know what you’re getting, since each one is unique.

Like most of my readers, you were probably introduced to this one via a friend or some influencer you trust online.

And it makes sense why so many people recommend them:

Making money outside of a 9-5 can be… life-changing, to say the least.

So in this article, I want to help you explore two things:

  1. If MLMs are actually a worthwhile business to pursue
  2. If MWR Financial is a worthwhile MLM

Before that, I want to clear the air on something.

There are A LOT of people out there who bash all MLMs in any form. However, I’m not one of those people.

Instead, I want to genuinely educate you about them so you can make an informed decision on how to proceed.

If you’re unfamiliar with what MLMs actually do:

They’re businesses in which you pay money to a company for the ability to sell their products.

Sometimes the products are actually kind of decent (I still remember my mom throwing Pampered Chef parties when I was younger).

Other times the products are really poorly made and come with a high price tag.

Typically, the only way to really make money is to get people (mostly friends & family) to sign up with you for a recurring subscription.

If the product is 100% legitimate & valuable, it’s entirely possible to get people to sign-up and continue paying you.

If the product is subpar, you’ll usually burn those bridges kinda quickly and end up with $0 coming in each month.

The biggest issue I’ve seen is that this puts significant stress on your personal relationships, as you’re reliant on selling to your “network.”

Think about it: if you KNEW that every time your friend Sally called, she’d be trying to sell you on one of her products… you’d eventually stop answering Sally’s calls.

Now, this doesn’t mean MLMs are outright bad… it means you need to know what type of MLM you’re getting yourself into before you sign up.

Again, some MLMs provide real value to people, but MOST don’t – and so in this article, I’m going to explore the case with MWR Financial.

But before that, I want to ask you a question: what if there was a way to build actual recurring, semi-passive income?

Income that:

  • Doesn’t have inventory
  • Doesn’t make you sell to your friends & family
  • Doesn’t force you to recruit people onto your “team”

Something that you could make anywhere from $2,000 – $10,000 with consistently, month after month?

A stream of income that you can build as high (or low) as you feel like building it?

If that sounds interesting, you might want to think about becoming a Digital Landlord.

If you wanna see what MWR Financial  looks like on the inside, keep reading.

What Is MWR Financial?

What Is MWR Financial

Brian House and Andamo Tolson started MWR Financial, a multi-level marketing company.

Its website domain was registered in November 2016, but business didn’t start until 2017.

Financial services provider MWR claims it provides “the complete package on the industry.”

MWR Financial’s founder says its services can aid credit rehabilitation and tax return optimization.

The corporation also claims a “proven” method called Instant Pay Raise.

While this all seems excellent, I’m not sure why this company is so popular.

Its compensation plan is standard, and its niche-specific product isn’t really noteworthy.

But something is intriguing.

Brian House appears to be trying to hide the company’s former MLM links. Why?

Is MWR Financial Affiliated With MWR Life?

Is MWR Financial Affiliated With MWR Life

Since both businesses had “MWR” in their names, I naturally believed they were associated.

Jay Tuerk and Yoni Ashurov also founded an MLM company called MWR Life.

Before becoming MWR Life in 2015, the program was known as My Warranty Rewards beginning in 2013.

I found nothing when I looked for Tuerk and Ashurov on the MWR Financial website. Nothing about a partnership with Life is mentioned in Financial, either.

This wouldn’t have bothered me if two companies named “MWR” weren’t so close together.

To my surprise, Brian stated in one of the MWR Financial assessments that Financial is a “totally distinct entity” from Life.

But he also confessed that Financial Edge was once part of MWR Life’s product line.

But what surprised me is Brian’s claim that he has no present links with Financial and Life.

It’s not illegal to have two MLM enterprises under the same tent, so I’m not sure why Brian wants to remove himself (and MWR Financial) from MWR Life.

But I feel Tuerk and Ashurov are still connected with MWR Financial.

Please note that these are my own ideas, and you are welcome to add your own in the comments.

Who Is Brian House?

Who Is Brian House

According to his bio, Brian is “a seasoned professional in the financial solutions industry.”

The “sudden epiphany” he had changed his career path from youth preacher to financial advisor.

Formed in 1991, QCS, Inc. stands for Quality Credit Services.

He later founded My Financial Advantage, now Financial Edge.

Only Brian knows why My Financial Advantage became Financial Edge.

Brian has worked with Financial Destination Incorporated (FDI) and Youngevity before MWR Financial.

Financial Edge (Can It Help You?)

Financial Edge

“Your personal team of financial specialists using proven ways to guarantee your and your family’s future,” according to the company’s website.

That sounds like you just pay money to join MWR Financial, and the company takes care of the rest.

I researched and found that Financial Edge’s monthly charge is reasonable. It isn’t cheap, but it isn’t costly.

The monthly charge for credit repair services ranges from $60-100.

On the other hand, Financial Edge offers four financial services for a monthly fee of $79.97.

  • MoneyMAX – Debt management software MoneyMAX gives you “unlimited” access to top-rated CPAs and CFPs without costing you hundreds of dollars each month. Lastly, it offers you access to Taxbot, an app that helps you keep track of all your expenses and uncover ways to lower your tax burden.
  • CreditMAX – Improves your and your spouse’s credit ratings. It will also aid you if you have been a victim of ID theft.
  • EquityMAX – Proprietary software that generates a monthly payment plan for debt relief.
  • WealthMAX – A “real wealth expert” can assist in guaranteeing your and your family’s financial future.
  • Debt Resolution Center is a separate support system that provides financial counseling, advice, and solutions.

Do you believe these services are worth $79.97? I think so, but I’d love to hear your ideas.

My Concerns With Financial Edge

My Concerns With Financial Edge

It’s safe to say that Financial Edge is an excellent subscription. It may be difficult to sell if you are a Financial Director (an MWR Financial distributor).

People generally don’t like to hear financial advice from those who earn their living via MLM companies. Do you?

I know it sounds terrible, but it’s probably true.

You may fake it till you make it to get credibility. You must put on a successful person’s mask and lie to your prospects.

Because if you don’t, you’ll likely lose money attempting to keep a $79.97/month Financial Edge subscription.

To make money, are you willing to deceive your loved ones?

You will also face competition from JPMorgan Chase, Wells Fargo, and Bank of America.

These are well-known financial giants that offer similar services to MWR Financial. You have to convince consumers that your offering is superior.

Financial Edge Was Part Of The TelexFree Scandal

Financial Edge Was Part Of The TelexFree Scandal

There have been rumors that Financial Edge is connected to the billion-dollar Ponzi scam TelexFree.

On one online review of MWR Financial, Brian vehemently denied the claim.

The prospect’s faith in MWR Financial and your abilities will be shaken if they hear of this.

Nobody can believe Financial Edge is “the most comprehensive financial package in the marketplace” when the firm offering it is managed by a man who couldn’t even own up to his past blunders that cost people millions.

Fair enough, some folks like Financial Edge.

MWR Financial Compensation Plan Aka Instant Pay Raise – You Could Lose Money!

MWR Financial Compensation Plan Aka Instant Pay Raise

Instant Pay Raise is their compensation plan that promises a quick increase in salary.

It’s a lovely name, but it’s not original. Although Brian claims there is no connection between the two, the MWR Life compensation plan is similar.

As a Financial Director (FD) for MWR Financial, you will earn money by selling Financial Edge and hiring others.

Worryingly, MWR Financial requires you to pay at least $120 per month for membership and subscription fees to earn commissions.

Customer Bonuses (Retails)

Customer Bonuses

Recruiting a Financial Edge customer earns you $40.

Enrolling 3 or more people in a month gets you a free Financial Edge subscription.

You will additionally earn $10/month for every customer you sign up for after the first three.

As long as your individually enrolled customers keep their Financial Edge subscription, you will receive a $40 referral bonus.

This is similar to recurring commissions in affiliate marketing.

You will need 3 points to qualify for commissions or to become a Qualified Financial Director (QFD):

  • 2 Points – Financial Edge monthly subscription
  • 2 Points – Sell a Financial Edge subscription to other people
  • 1 Point – MWR Financial affiliate (Biz center) monthly fee renewal

Sponsor Bonuses (Recruitment)

Sponsor Bonuses

The earnings you’ll receive as a result of bringing on new employees and expanding a sales team.

Momentum Bonuses

Momentum Bonuses

This bonus is based on how many individuals you and your recruits can sign up for Instant Pay Raise in 30-90 days.

  • $150 Bonus – Enroll three Qualified Financial Directors (QFDs) in the first 30 days (3 QFDs total).
  • $450 Bonus – Assist your three QFDs in obtaining their own three QFDs during the first 60 days (12 QFDs total).
  • $900 Bonus – Within the first 90 days, you must have three QFDs with three QFDs and three QFCs (39 QFDs total).

Check Match Bonuses

Get a 25% check match bonus on residual revenue produced by QFDs you personally recruited.

This bonus excludes your recruits’ Daily Guaranteed Income.

Is MWR Financial A Pyramid Scheme?

Is MWR Financial A Pyramid Scheme

The legitimate MLM business is not a pyramid scam.

The FTC classifies a business as a pyramid scheme if distributors may only make money by recruiting new members rather than selling products themselves.

MWR Financial is not a pyramid scam based on its description.

While it is true that establishing a large sales team is essential to your income, the organization will only pay you when a Financial Edge purchase occurs.

You will be compensated based on the Customer Points you and your team earn by selling Financial Edge.

The company actively promotes its financial services to non-members of MWR Financial.

Considering these points, the corporation appears to follow the FTC’s rules.

MWR Financial is not a fraud.

MWR Financial Reviews: Cost to Join

Cost to Join

Starting a company with MWR Financial isn’t inexpensive. Here is some initial investment you need to shell out.

  • $99 – To become an official Financial Director and earn commissions, you must pay a one-time charge of $99 to join.
  • $40 – The Biz Center — marketing techniques, tools, and a cloned web store – requires another $40.
  • For commissions, you must also subscribe to Financial Edge for $79.97.

This adds up to a $228.97 initial commitment and a $119.97 monthly cost.

Payment of the monthly fees is required to earn some commissions under the company’s compensation scheme.

Conclusion: Should You Join MWR Financial

Cost to Join

MWR Financial is a financial services company, and its marketed as the perfect business for you. Still, I believe it’s best for people who understand the banking industry.

Marketing a product (financial services) you don’t grasp entirely is complex.

Finding the proper people who need Financial Edge and bringing them to your MWR Financial duplicate website is also essential.

To do so, you will need to use online marketing to generate constant leads and prospects.

You must also be able to establish, manage, and encourage a large sales team.

Are There Alternatives To MWR Financial?

other affiliate marketing programs to choose from

Yes, there are plenty of other business models to choose from if you want to pursue this making money online. Here are just a few:

Is MWR Financial A Scam?

Is It A Scam

So, time for the $1,000,000 question: is MWR Financial a scam?

No, not technically. They aren’t going to run off with your money and not give you what you paid for. It’s 100% possible to make money with this program.

That being said, it’s not nearly as simple as they want you to think it is.

There’s A LOT of work to be done upfront, and no guarantee that you’ll be successful. The commissions are also fairly small.

Don’t get me wrong, I’m all for doing hard work now, so that I can reap the benefits later.

But if you’re going to work really hard for 3 months, and your reward is a $100 check… it’s not really a great opportunity.

If I’m gonna do that, I want the rewards to be HIGH and virtually guaranteed.

I’d rather put in that same 3 months of work (in my spare time) & build a handful of Digital Rental Properties that each produce $500-$2,000 checks every single month afterward (AKA recurring income).

And the cool part is that you can do it in a lot less time than 3-months (I personally did it in my first 2 weeks of being a Digital Landlord).

Unlike with MLMs, you can do it from anywhere in the world, so it’s a genuine “laptop-lifestyle” business.

All you need is an internet connection.

Some of my friends are Digital Landlords that run their 6-figure businesses from:

  • Camping trips at national parks
  • Beachfront in Hawaii
  • On the road in a camper van (with a pet pig!)

They focus on living an enjoyable life first, and focus on income second. All thanks to this program

They can take weeks or months off, and money keeps rolling in.

Living happily is the top priority.

If the thought of living perpetually at your dream vacation spot interests you, being a Digital Landlord might be for you!

What Is My Top Recommendation For Making Money Online In 2022?

Make Money Online With Digital Landlord

I’ve personally tried all of the major online business models:

  • I’ve sold fidget spinners through Amazon FBA
  • I’ve drop-shipped a toilet bowl putting green on Shopify
  • I’ve sold women’s health supplements via Clickbank affiliate marketing

And I made money with all of them, so trust me when I say: there is no “perfect” business model.

I’ve also been on the other side of old friends trying to sell me their fancy new MLM products.

That being said, my #1 recommendation for making real money online is, hands-down: being a Digital Landlord.

Whether you’re a complete newbie, or you’ve been around the block before but have never had that “big win” to propel you forward, becoming a Digital Landlord is for you.


Time: If you’ve got a spare hour or two each day, you can do this. If you want to drop everything and go all in, you can do this. More time obviously means faster results, but even putting in a few hours per day is enough to see real success.

And because of that flexibility, you don’t need to trade your time for money. Once the income starts, it’s recurring.

That means you can take a month off, travel the country, pursue a passion project, chill on the beach, or charter a boat across the world.

But you can only do that once you’ve created an income stream that doesn’t require YOU to be there all day, every day.

Ownership & Control: With MLMs, you don’t really “own” anything – everything belongs to the MLM.

If you read the contracts, they can kick you out or change your commission at any time (it’s happened recently in a few high-profile MLM cases).

Why pour your soul into a business that could be taken away from you at the drop of a dime?

When you’re a Digital Landlord, you literally own all of the assets, which means you have ultimate control.

Big Margins: With MLMs, you’re often going to have really slim margins. That means you need to have a VERY large network to make serious money. This usually entails spending A LOT of money on ads and other methods for recruiting members.

Being a Digital Landlord, your profit margin is nearly 100%. Watch here to learn how.

Just a reminder: these Digital Rental Properties are worth (at a minimum) $500/mo in semi-passive income. And each time you create another one, your income increases, and the effort put into creating the next property decreases.

Best-case scenario, you have properties bringing in over $3,000+/mo on auto-pilot.

It’s Effectively Copy-Paste: Here’s my favorite part: once you have your first Digital Rental Property up, you can literally copy-paste another version of it and find another willing “renter” in a few days. DOUBLING your income doesn’t get much easier than that…

If you wanted to double your income with an MLM, you would need to sell twice as much inventory. And I can guarantee you, that’s a lot harder than a few clicks & a phone call.

You’re Helping REAL People: My biggest gripe with MLMs is that you’re likely going to ruin your personal relationships.

The MLM may have convinced you that you’re actually helping people, but it’s often not really true.

But when you’re a Digital Landlord, you’re helping solve REAL problems that people are ASKING for help with:

Small local businesses around the world need one thing: customers. Without them, their business would fall apart. If you can provide those customers, they’re going to be really happy – and they’re going to pay you for it.

You’re helping a struggling mother or father put food on the table for their families, put their kids through college, or simply live life a little bit more comfortably.

Having this type of impact on the world is what will help you sleep soundly at night.

So, the rest is up to you. You could keep looking at other MLM programs like MWR Financial, which might make you money 12 months from now.

You could keep researching and researching for the next few months (or few years), never making a concrete decision.

OR, you can look deep inside, think about those dreams, hopes, & desires, and make the decision to ACTUALLY make it happen, just like it has for thousands of other students before you.

Making a fortune while actually helping real people that need it.

If this sounds like you, click here to see how it all works.

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