MWR Financial Reviews (2022 Update): Everything You Wanted To Know!

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Updated: May 02

By: Scam Risk - Expert Reviewer

MWR Financial Reviews 2022 Update Everything You Wanted To Know

In this MWR Financial review, we’ll dive into the pros and cons of the program.

But before that, let’s ask ourselves: Is affiliate marketing even a worthwhile business model?

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.

Table of Contents

Pros: What I Liked

  • Unique product.
  • The owner is a really successful entrepreneur.
  • Legitimate MLM company.
The Good

Cons: What I Didn't Like

  • Products are hard to sell.
  • Sketchy company background.
  • Previous affiliations with a scam company.
  • Your income relies heavily on recruitment.
  • It's costly to start and maintain your membership.
The Bad

On the one hand, the promise is great…

You don’t have to create products, worry about fulfillment, customer service, or bad reviews.

Your only job is to get the right customers in front of the right offer, and take a commission when they buy.

And – theoretically – you can do it all in an hour a day from the beach.

Sounds simple, right?

Well, not really. Driving traffic (that’s internet speak for getting customers) is single-handedly the hardest part of the entire marketing process.

Later in this review, we’ll talk about all the different skills you need to drive traffic successfully.

For now, let’s just say the promise doesn’t really match up with reality.

At best, affiliate marketing is a job. You’re working for someone else, selling their products, and at any time, they can change your commission structure or block you from selling their stuff entirely.

In this business, you don’t really own or control anything. Since – for the most part – you’re driving traffic (again, the hardest job of all) and sending it to someone else, you don’t even get to keep the customers, who are the most valuable piece of the puzzle.

At worst, affiliate marketing is a pyramid scheme. There are certain – ahem – programs that charge you a monthly “membership fee”, under the guise that you will learn how to be a “wealthy affiliate marketer”.

Once you join, however, you find out the only way to really make money is by being an affiliate for that program.

That’s pretty much the textbook definition of a pyramid scheme.

Now, let’s say you really want that hour-a-day-work-from-the-beach lifestyle.

beach laptop

What if there was a way you could build a passive income stream that’s actually passive?

An income stream that doesn’t require:

  • Thousands of dollars and hundreds of hours before seeing your first dollar
  • Doing all the hard work of driving traffic to only get a tiny commission
  • Running your business on someone else’s terms

An income stream that brings in consistent revenues every single month (from a couple thousand dollars to well over $10,000)?

An income stream you could actually build in your spare time, and grow as large or as small as you want to, without having to spend hours a day testing, tweaking, and risking your money in the hope you can finally start making sales?

If that sounds like something you’d be interested in, check out Digital Real Estate. 


This is like taking all the good parts from affiliate marketing (however few there are), and putting aside all the bad.

However, if you’d still like to know more about MWR Financial, keep reading.

When someone mentions MWR Financial, the first two things that come to mind are financial security and stability.

The business opportunity that allows you to “make immediate, residual, and passive income,” “pay off your bills,” and “improve your credit score” all at the same time!

You’ve been drawn in, brought here, and are now interested in knowing more about MWR Financial because of these hooks.

To be fair, the “perfect business for you” tagline claims this to be just that:

What Is MWR Financial?

WhatWhat Is MWR Financial Is MWR Financial

MWR Financial is an MLM company founded by Brian House and Andamo Tolson (President).

Although it began operations in 2017, the company’s website domain was registered in November 2016.

MWR Financial also claims to offer “the most comprehensive financial bundle in the marketplace.”

MWR Financial’s founder says its services can aid with 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

I assumed they were related because both companies have “MWR” in their titles.

MWR Life is another MLM company formed by Jay Tuerk and Yoni Ashurov.

Before MWR Life, it was known as My Warranty Rewards in 2013 and was renamed in 2015.

The MWR Financial website made no mention of Tuerk and Ashurov. Financial also makes no mention of any affiliation with Life.

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 Financial Advantage

Brian is described as a “veteran in the financial solutions industry.”

He would be a youth minister, but after “a sudden insight,” he decided to help others manage their money better.

Quality Credit Services (QCS, Inc.) was founded in 1991.

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 Financial Solutions

“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 in joining 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

Financial Edge is a good product. However, as a Financial Director (MWR Financial distributor), you may have problems selling it.

Most individuals don’t want financial advice from persons who rely on MLM companies to make money. Do you?

That may sound harsh, but it is likely.

You may fake it till you make it to get credibility. You will have to 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

Some reports link Financial Edge to TelexFree, a Ponzi scheme that bilked unsuspecting people out of billions.

Brian aggressively refuted the charge on one MWR Financial review I read online.

If your prospect learns this, they will doubt MWR Financial and your services.

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 – You could lose money Join MWR Financial

Their compensation model is called Instant Pay Raise, and it allows you to earn extra money “instantly.”

The name is nice but not new. Even the MWR Life compensation plan is nearly identical (yet Brian maintains they’re unrelated?).

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 (Retails) MLM Companies

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 (Recruitment)

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

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

A reputable MLM company is not a pyramid scheme.

The Federal Trade Commission (FTC) says a distributor is in a pyramid scheme if their only income is from recruiting rather than product sales.

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.

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.

Is MWR Financial A Scam?

Is MWR Financial A Scam

So, is MWR Financial a scam? Not technically. You can make money with this program, but making money with affiliate marketing definitely isn’t as easy as the company makes it sound.

Driving traffic is extremely difficult. In order to do it successfully, you need to at least understand all these things, if not be a ninja at them:

  • Copywriting
  • Google Ads
  • Facebook Ads
  • Content Writing
  • Website Building
  • Conversion Optimization
  • Automation
  • Email Marketing
  • Click Tracking
  • Retargeting/Remarketing
  • SEO
  • Backlinking

And a lot more.

There’s a ton of work to be done upfront, no real guarantee of success, and – most importantly – the actual commissions are pretty small.

Now, there’s nothing wrong with front-loading the work and making the money later.

But if you’re grinding it out for 3 months and then your reward is a $50 commission, it’s not really worth it.

What if, instead, you could do that same 3 months of work (in your spare time), and your reward was a $500 to $2,000 payment that came in every single month?

And what if you only needed 1 or 2 of the above skills to get started, instead of mastering all 12 before seeing your first dollar?

And what if you actually didn’t need to wait 3 months? What if you could get started today and have your first payment in a week?

And what if you could double it next week?

Well, that’s the power of Digital Real Estate

Your laptop and an internet connection is all you need.

Some of the most successful students in this program run their entire 6-figure businesses from:

  • A camper in the middle of the woods
  • A beach chair on the water in Mexico
  • A small villa in Greece


They’re able to travel around, living their lives first, and focusing on their income second.

Because even if they stop working for an extended period of time, the money keeps coming in.

So adventure, memories, and experience are the top priority.

And they never have to worry about how to pay for the next trip, or consider asking for time off.

If this sounds more like the type of life you want to lead, just click here to find out more about Digital Real Estate.

Conclusion: Should You Join MWR Financial

Conclusion Should You Join MWR Financial

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

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

It is also essential to find the proper people who need Financial Edge and bring them to your MWR Financial duplicate website.

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?

Are There Alternatives To MWR Financial

Yes, there are plenty of Affiliate Marketing programs and resources to choose from if you want to pursue this business model.  Here are just a few:

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

Digital Real Estate

Our review team has spent months researching, reviewing, and vetting dozens of business models and thousands of programs.

While there may be no “perfect business”, the research IS conclusive:

Digital Real Estate is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online, or you’ve been in this space for a while but never really “made it,” Digital Real Estate is for you.


1) It’s Flexible: got an hour a day? You can do this. Ready to drop everything else and dive in full time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Real Estate business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t.

Imagine taking 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day.

This is only possible if you have an income stream that’s not tied to your time.


2) You Own & Control EVERYTHING: With Affiliate Marketing, you don’t really own anything. You have no control over the quality of products. You don’t even own customers.
Look at the fine print for most affiliate agreements. At any point, the company can change your commission structure, reduce your profit margins, or kick you out entirely.
With Digital Real Estate, you own the assets, which means you have all the power and all the control.


3) Little To No Startup Costs: It’s possible to get into Digital Real Estate with zero dollars upfront. Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket…even before you do any work.

Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100.


4) Easy To Duplicate: Ok, here’s the best part: once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 a month in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier.

Because you have more knowledge, more experience, more results, and more momentum.

If you wanted to double your income with affiliate marketing, you’d have to double your traffic, double the average order size of each customer, OR double your commission rate. And, guaranteed that’s a lot harder than a few clicks and a few minutes of your life.


5) Make Money Helping Real People: This part is what makes it all worth it. With affiliate marketing, you’re selling the product with the best commission rate, NOT the one that’s going to improve the most people’s lives.

And that makes it pretty hard to sleep at night.

But with Digital Real Estate, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Real Estate, you are unleashing a flood of happy, paying customers for these businesses.

You make money by helping them make money.

Not a big, faceless corporation either…a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent.

Once you see how Digital Real Estate makes a real impact in the lives of real people, you’ll sleep like a baby with a big smile on your face.


Now, the choice is yours. You could continue browsing, looking at opportunities like MWR Financial which could one day make you money.

You could continue researching, never making a decision.

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms thanks to Digital Real Estate.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits.

All while genuinely helping real people who are grateful and happy to pay for it.

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Real Estate.

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