center for worklife logo

Wealth Beyond Wall Street Review (2022): Is It Actually Legit?

Last Updated: November 18, 2022
By: Hope
By: Hope
Wealth Beyond Wall Street Review


This Wealth Beyond Wall Street 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 Wealth Beyond Wall Street

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 Wealth Beyond Wall Street is teaching you to do.
I have absolutely no relationship with Wealth Beyond Wall Street, 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.

In addition to advocating for real estate and personal investments, Wealth Beyond Wall Street also highlights the benefits of entrepreneurship. The unknown maximum-funded version of this financial tool protects you from market volatility, increases in value during the good years, and, in retirement, may provide you with a steady stream of tax-free income.

Yes. You can reach your financial goals without worrying about market fluctuations or increased taxes. This isn’t the type of entrepreneurial journey discussed on popular radio shows.

If developed and used correctly, this might be a treasured item in your portfolio. Wealth Beyond Wall Street’s owners owns over six policies. They use it to reach their financial goals. Continue reading to learn about the method’s primary advantages.

If you’re like most of my readers, you came across Wealth Beyond Wall Street for one main reason:

You want to make more money than you currently make by leveraging your existing resources.

Maybe you’re even looking for a quick turnaround on some of your cash instead of waiting years or even decades for it to compound.

Well, you’re in good company – who wouldn’t want all of that?

There’s one thing you need to watch out for though: legitimate scammers.

The idea of making 10X on your money in a day is obviously something that would entice the masses, and so it naturally attracts a lot of bad actors into the financial products space.

But for purposes of this review, let’s assume these people had the best of intentions.

Even with the most sophisticated systems out there, most experts barely manage to get it right 10% of the time…

Obviously, there’s an argument to be made that 1 winning bet can outshine 10 losing ones…

But if you mess up and miss a trade even one time, your month can turn sour pretty quickly.

Suffice it to say, there’s a whole lot of stress & uncertainty.

Now don’t get me wrong, it doesn’t mean you’re guaranteed to lose money. I’m just saying that you need to be aware of what you’re getting yourself into.

But what if you could build a different income stream, and start seeing profits within your first few days?

I’m talking about a system that doesn’t require:

  • Obsessively checking your phone and charts
  • The emotional turmoil of loss after loss, waiting for that win
  • Glorified gambling

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, without spending every waking hour watching for alerts and pouring over charts?

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

If you wanna see what Wealth Beyond Wall Street looks like on the inside, keep reading.

Who Is Brett Kitchen?

Who Is Brett Kitchen

Starting a business was the first step in Brett Kitchen’s journey, which he began on the British Island of Jersey.

There was never a time when he wasn’t thinking about making a profit. Many people doubt their chances and struggle with the idea of investing because they are misled by the 9 to 5 grind. That’s why Brett’s new aim is to assist people in building a financial foundation that brings them stability, prosperity, and fulfillment.

Brett sought to use his forefathers’ lessons to help the others he worked with. A privilege to have positively impacted so many lives… and he hopes to add value to yours too.

Who Is Ethan Kap?

Who Is Ethan Kap

Big turning points happen in everyone’s lives. During that time for Ethan, he lost money in the stock market crash. The stock market wiped out his and his parent’s retirement savings. It isn’t just Ethan and his family that Wall Street Roulette has hurt. Thousands of Americans put their money at stake on Wall Street daily.

101 plans transformed Ethan’s life and became a wise financial move. No matter what happens on the stock market, his money grows. He has dedicated himself to spreading the word about technologies’ safety and security that could assist thousands of Americans. It’s important not to lose your principal, according to “The Richest Man in Babylon.” Americans have forgotten this essential reality and daily risk their life savings. Thankfully, a 101 plan can reverse this dreadful pattern.

How Does Wealth Beyond Wall Street Work?

Investment in the stock market isn’t for everyone, and financial advisors Brett Kitchen and Ethan Kap knew that their retiree clients didn’t have the time to ride out another market crash, the company’s website claims.

Wealth Beyond Wall Street’s mission was to teach people to avoid Wall Street, protect themselves from market volatility, cut taxes, and have more cash flow in retirement.

Investing in yourself, real estate, and business are encouraged, according to their website. They highly recommend Indexed Universal Life Insurance to all their participants, and this guide will explain how this insurance will benefit them.

Cost/Price Plans – Wealth Beyond Wall Street Review

Those interested in ordering a copy of this financial handbook can do so at no cost. Brett Kitchen and Ethan Kap, their website claims, work hard to provide consumers with the best financial information.

Refund Policy – Wealth Beyond Wall Street Review

Since Wealth Beyond Wall Street is now offered at no cost to users, the company doesn’t provide a refund policy. The company does not offer a standard refund policy for Universal Life Insurance policies. However, some businesses will offer a cancellation policy.

Wealth Beyond Wall Street Customer Service Contact Info

Customers may call 800-393-2054 or send an email via the website’s “Contact Us” section. Some advertisements may also feature links to related resources and frequently asked questions.

Reputation: Wealth Beyond Wall Street Review

Wealth Beyond Wall Street Review 1

Is Universal Life Insurance the safest retirement investment, given that this company and website aren’t the only ones offering free retirement investment tools and recommending it?

The prevailing wisdom says no. In reality, while universal life insurance is a safer investment than many other options, it is not always the best option for retirees. A lot of things could come into play, causing people to lose money on their investments.

Most financial resources highly advise customers to see a financial advisor before investing in this insurance policy. In actuality, there may be safer ways to invest for retirement.

Competitors And Alternatives?

Competitors And Alternatives

As was previously stated, many online resources claim to provide retirees with “the best” information on their retirement investments; however, everyone’s needs and goals are different, so it’s important to talk to a financial advisor.

Wealth Beyond Wall Street Book

Wealth Beyond Wall Street Book

Say goodbye to outdated advice that has you on a financial roller coaster. Contradictory to what the Wall Street media machine advertises, you don’t have to risk your hard-earned money to become wealthy. There is a basic, straightforward strategy for being wealthy without stress. This book offers a road map to financial freedom and peace of mind.

You must do your own research and watch whose complaints you listen to. Due to “mortality credits,” Fixed Index Annuities outperform other investments. According to this book, Your money is safe with them since they take the life insurance sales premiums and invest it in call options on market indexes. This is the best of both worlds. It permits the cash value to multiply if set up correctly. Back in the day, Walt Disney and Ray Kroc used cash value policies to launch their enterprises. Examine JD Rockefeller. Every strategy has benefits and drawbacks. No strategy works for every case, and beware of some scams that will impact your finances. Most of those who read this book recommend it.

Safe Money Millionaire, Wealth Beyond Wall Street & Indexed Universal Life Policies

Safe Money Millionaire Wealth Beyond Wall Street And Indexed Universal Life Policies

“Wealth Beyond Wall Street” is a catchy name. Most people seek to acquire riches outside of Wall Street to avoid risk while still attaining their financial objectives. Nobody wants to be without financial security. Hence everyone wants to be a safe money millionaire.

This article shares what is happening with the major assumptions behind Wealth Beyond Wall Street and Safe Money Millionaire. You can determine whether these financial ideas are appropriate for your financial objectives. After all, your money, life, and life insurance are at stake. You get to choose what you want to do, and you should be in charge of your finances.

All I know are those names were coined by Brett Kitchen and Ethan Kap, authors of two books titled after the theories they describe:

  • Safe Money Millionaire
  • Wealth Beyond the Wall Street

Indexed Universal Life, or IUL for short, is the product advertised in these publications and beliefs. Indexed universal life, or IUL, products carry risks that participating whole life insurance products do not. Let’s clarify something regarding indexing universal life right now:


If you use indexed universal life or IUL to accumulate money (apart from Wall Street), you must rely on Wall Street performance. Despite its name, this wealth theory is based on Wall Street. That is when the dangers of IUL come into play. If your policy is predicated on Wall Street performance, lousy performance can reduce the value of your policy. And if your cash worth is declining, you aren’t accumulating wealth outside Wall Street. This is the main issue with indexed universal life insurance products.

Reasons To Avoid IUL For Future Needs:

Reasons To Avoid IUL For Future Needs

MONEY LOSS: The owner of the IUL policy could lose money in years when the index reflected in the policy’s non-guaranteed returns declines, trades erratically, or even slightly increases. Again, IUL hazards can jeopardize your quest to become a “safe money millionaire.”

INCREASE PREMIUMS: Thousands of IUL policyholders have seen their rates rise. Unlike PWLI, IUL premiums are not permanent. So, while you own the policy, your premiums may increase, increasing your life insurance costs without increasing your benefits. If you want a guaranteed level premium, you can pay more for it.

MARKET UNCERTAINTY: State regulators have now mandated that salespeople and insurers STOP utilizing such high rates of return in IUL drawings. Because Indexed Universal Life Insurance is based on market performance, there is no guarantee of future results. To make matters worse, the required returns are substantially below actual yearly growth rates. So they are still, at best, deceiving.

CASH VALUE – ZERO OUT EARLY: IUL policies’ guaranteed cash values always zero out before the insured’s life expectancy. Determining whether or not to continue paying premiums even if the cash value remains zero is difficult. Because the value of renewable term insurance, the foundation of all IUL plans, continues to rise over time. Even while prices continue to climb in an IUL, the cumulative cash value does not. On the other hand, whole life insurance premiums are fixed and accumulate monetary value.

POLICY OWNER ASSUMES MANY RISKS: The IUL policy owner assumes many risks (up to 25 in some contracts) in the IUL policies researchers analyzed. A Participating Whole Life Insurance policy assumes these risks. Because the owner of the IUL bears these risks, they may lose money, lose the policy, be subjected to unnecessary taxation, limit cash value growth, and have access to cash values to manage outside the policy. Worst case: all of the above. Using IUL to gain riches isn’t safe, despite the term “Safe Money Millionaire.” The policyholder bears many risks.

RISK OF LOSING COMPOUNDING GROWTH: Insurers who sell IUL can credit interest yearly, every 5 to 10 years, or even when the policy expires or a death claim is made. This deferral can cost the IUL policyholder money due to compounding growth loss at the insurer’s option. Involvement throughout life reduces this danger. Annual growth is guaranteed with lifetime participation. Dividends, paid annually, enhance this increase.

CAPPED EARNINGS: Finally, insurance companies control how much of the mirrored index’s gain is shared with policyholders. In other words, the insurer caps your earnings and pays big dividends to stockholders (if they are a stock-held company). If an insurance firm has no shareholders or is mutual, it also shares with participating whole life policy owners.

Start Accumulating Wealth (Without Wall Street)

The next time an insurance salesman or some insurance agents offer you an IUL instead of a participating whole life insurance policy, you have seven reasons to refuse it.

Why should you risk losing control of your money for 10 to 15 years as IUL surrender costs expire and the agent gets 50-70% greater commissions selling you an IUL policy? That’s not how to build wealth (beyond Wall Street) or become a safe money millionaire. A financial legacy is a way of accumulating wealth without relying on the stock market. Invest wisely and protect yourself. Why let others govern it?

The key to winning your financial GAME is having guaranteed, manageable equity. And never, ever give up control of your money to anyone else because you now know the ins and outs of universal indexing existence. It’s your money, so you should rule. Above beyond Wall Street, that is.

Are There Alternatives To Wealth Beyond Wall Street?

Other Business Models 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 Wealth Beyond Wall Street A Scam?

Is It A Scam

Alright, time for the $1,000,000 question: is Wealth Beyond Wall Street a scam?

No, not technically. You can 100% make money with it, but it’s not NEARLY as simple as Wealth Beyond Wall Street wants you to think it is.

You need to understand that you are taking a very big risk with financial products.

So while it’s entirely possible that you hit the big leagues and retire to a vineyard… the path to get there is so stressful, it might just shave a decade off your life… IF you even get there.

A friend of mine actually writes advertisements for one of the largest financial program advertisers in the world… so believe me when I say that most of the “awesome” numbers they use in their ads & landing pages are borderline false.

What they conveniently leave out are the dozens of losing bets and trades that came before the big win you’re reading about.

Now, most people don’t have the emotional bandwidth to stick out 3 months of back-to-back losses before (hopefully) getting a big win.

I’d rather use that 3 months of work (in my spare time) building Digital Rental Properties, and then collect a handful of nice little $500-$2,000 checks every single month afterward (AKA passive 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).

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

All you need is a laptop and 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 #1 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 traded crypto & purchased a bunch of fancy “insider stock tip” newsletters
  • 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.

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.


1)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.

2) You Own & Control EVERYTHING: Nothing is in your control when it comes to the markets. You have zero influence over market-shifting macroeconomic trends.

The number of people that have ACTUALLY beat the market consistently can be counted on one hand.
Why pour your soul into a business that you realistically have zero control over?

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

3) 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 in the markets, you would need to make twice as many winning trades, or double your profit on each trade. And I can guarantee you that’s a lot harder than a few clicks & a phone call.

4) Make Money Helping Real People: When you make money in the markets, you’re not really helping anyone but yourself. There is a loser on the other end of that trade.

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 programs like Wealth Beyond Wall Street, which might make you money if you luck out.

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.

Table of Contents

Best of The Week Testimonial

Hi, I'm Hope!

I make over $20,000/mo thanks to this platform… check it out below!