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MWR Financial Reviews (2024 Update): Will They Really Give You A Financial Advantage?

By: JosiahDec 11, 2023Network Marketing
MWR Financial Reviews ([year] Update): Will They Really Give You A Financial Advantage?

MWR promises to provide a 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 reviews because of these hooks.

But isn't this just another MLM company focused on recruitment over product?

What's inside MWR Financial? And how much does all this cost, anyway?

Let's dive in and find the answers.


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

  • Possible to make some money
  • There are worse MLMs out there
  • Products are hard to sell
  • Sketchy company background
  • Your income relies heavily on recruitment

Why Listen To Us

My name is Josiah, and this is my Dad, Joel.why listen us

Together, we make up the team here at Scamrisk.

If you’ll let me bother you for two minutes, I’d like to quickly explain why I’m even here writing this review.

In early 2020, I had just graduated from college & had no real career prospects.

I knew I was destined for something more, but I had no clue how I was going to make it happen.

I had this sinking feeling in my gut all the time… like the “big man upstairs” had accidentally given me the version of life where I’d be mediocre forever, instead of the one where I was, ya know – happy & fulfilled.


I had fiddled around with some different online businesses in college:

Some random MLMs, a bit of affiliate marketing, a (failed) dropshipping store or two, all the usual suspects.

Even my dad had been involved in MLMs back in the day… selling knives & other random nonsense people (probably) didn’t need.

All I really wanted was to find something that was going to actually work for me.

Maybe those things had worked for others, but for me it all turned up a fat “0” in the bank account department.

So I searched! And searched… and searched… and searched…

And eventually, I somehow stumbled upon a program that promised to help me build an income online (read about it here if you’re curious).

I didn’t really want to be “rich”.

The thought of making a reliable $5K per month & not having to worry about clocking in to a 9-to-5 ever again was all I needed.

Sure, there were people in the program doing high-6 and low-7 figures per year… but that wasn’t what I was out for.

I just wanted to provide freedom for myself, and if I was lucky, take my family along for the ride.

Fast forward a few days and a few phone calls & I was enrolled!

Here’s the first “money making website” I put up:

why listen us gif

I built that site in 2020, and it still makes me $1,500 per month. It’s a basic 5 page website I built based on a template the program provides.

The best part to me? My dad and I get to do it all together!

So between the:

  1. Ease of reaching $5-$10K per month in income online

  2. Straightforward-ness of the system to do it

  3. Fact that I get to do it w/ my family

Is why I recommend local lead generation as my #1 business model for making money online.

Sure, it takes some work and dedication – but anyone that tells you that there’s a business out there that requires no work is selling you a lemon.

I’m not saying you need to sign up for the same program I did, but I would definitely recommend giving the business model a peek!

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.

Living The Beach Lifestyle

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 Leasing.

TESTIMONIAL - Still Getting Paid

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.

What Is MWR Financial?

mwr financial what is it

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 package in the marketplace."

Its founder says its services can aid with credit rehabilitation and tax return optimization.

MWR Financial claims a "proven" method of making sales, as many MLM companies state.

Frankly, there aren't any great reasons to join MWR Financial as far as I can tell.

Its compensation plan is standard, and its niche-specific product isn't really noteworthy - although it is better than many shady products out there.

But something did catch my eye...

Brian House appears to be trying to hide the company's former MLM affiliations.

Let's take a look into all that.

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.

UPDATE: We have located a comment from a corner of the internet from Brian House himself:

mwr financial brian house mwr life

If you look at the MWR Financial and MWR Life website, they are virtually identical, and yet House got into it with a reviewer over several lengthy posts in a comment section.

As Shakespeare once wrote: "the MLM guy doth protest too much"...meaning, it's weird how defensive he becomes over an obvious link between the companies.

Who Is Brian House?

brian house

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

He wanted to join the Christian ministry and become a youth minister, but somewhere along the way he decided to become an MLM entrepreneur instead.

A strange transition, indeed.

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

He later founded My Financial Advantage, which became Financial Edge, which now seems to be Financial Makeover...or is it MWR PASSport?! M

ore on that confusion later.

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

What's Inside MWR Financial?

MWR Membership

mwr financial programs whats inside

This program used to be called Financial Edge - which still seems to be apart of the labelling for some reason. In fact, in their refund policy, they still refer to it as Financial Edge.

There seems to be other programs under the umbrella:

  • MWR Cashback
  • MWR PASSport
  • MWR @Home Opportunity
  • Financial Makeover

For simplicity's sake, we will refer to the overall membership program as MWR Financial Edge, as is set out in their legal terms.

This membership program is your typical MLM structure - you gain from recruiting people under you, and someone above you gains from recruiting you.

That said, it seems their financial product is actually a reasonable product, as opposed to many pyramid scheme companies...

...but you may still have a very difficult path to sales.

Sales Concerns

MWR financial bbb rating

Financial Edge might be a decent 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.

Would you trust someone like that with your finances?

That may sound harsh, but it is reality.

With MLMs, many "fake it 'til they make it" to seem credible. They put on a successful person's mask and lie to their prospects.

Because if they don't, they'll likely lose money attempting to keep spending money on their 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

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

This may be the reason the company is using so many new names for their membership program.

Brian aggressively refuted the charge on one MWR Financial review I read online, but the damage has already been done.

If your prospect learns this from a quick internet search, they will doubt MWR Financial and your services.

The MWR Financial Compensation Plan

mwr financial whats inside

Their compensation model was called Instant Pay Raise, but has seemingly been renamed to the MWR Cashflow System

The MWR Life compensation plan is nearly identical, regardless of House's deflections.

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

MWR Financial, like any MLM company, requires you to pay monthly membership and subscription fees to earn commissions - more on that later.

They want you to sell their financial services - like improving credit scores, and consolidating debt - while recruiting more "Financial Directors"...which seems like creating your own competition in any normal industry.

Retail Incentives

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 for a month.

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 (Financial Director) monthly fee renewal

Recruitment Incentives

mwr financial recruitment mlm

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 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.

Other Products:

  • 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.

MWR Financial Pyramid Scheme?

You might've heard a few people mention something about a MWR Financial pyramid scheme, but that's not technically true.

While MWR Financial does operate under the MLM business model, not all MLM structures fall under what's called a "pyramid scheme." I want to be very clear in calling that out because it's a term that is used way too loosely.

Make Wealth Real Reviews: What Does The Internet Have To Say?

What Does The Internet Have To Say

Let's hear the voice of the people:

"I was referred by a lender to MWR Financial to sign up to the CreditMax Service and paid $79.97/mo for credit repair and restoration. Over 5 months there was promised monthly disputes that went out to all the bureaus, yet I only recieved 1 response from Experian, not 12 responses as expected. Customer service played me like a fiddle and told me they would credit my account with 2 months but instead they extended my "end date" by two month solely to keep my money.

When I received a letter from the *** ***** ****, she did the exact opposite of what I wanted to make things right. She hid behind the "small print" and I therefore had to dispute all 5 payments, or $399.85.

I wouldn't go near these folks with a ten foot pole."

Not great! Let's read some more:

"They did not do the work I paid them for. Joined Aug 25 to get them to clean up my credit report and as of today Nov. 15 I see no correspondence from any credit bureau that anything has been done on my behalf. Their website said they were sent out, but I've gotten no response.

First, they said I didn't send all the info in, which I reviewed with my rep when I signed up now it takes 60 days for a response while they are charging you $99. per month. Two months in no results. I've inquired about a refund after the first month was denied and assured my paperwork was submitted now it's going on the third month I had to cancel and requested a refund for work not done and was denied. They did not do what was promised and I want a refund for services not rendered."

Ouch. Okay, one more:

"I've been with MWR for 5 months now and 1.) their customer service is just not great, it takes weeks for them to return my call or email. 2.) I have asked what's the status, how come I have not heard back from the credit bureaus neither have received any paperwork through mail as promised FOR MONTHS!

All they have said is they will re-mail out paperwork AGAIN. 3.) 5 months later, I still haven't received anything back, nothing was ever resolved and now they're not able to refund my full amount I spent with them over $600 paying for MONTHS! WHATEVER THEY ARE THEY'RE A SCAM PLEASE PASS IT ON! You can do it yourself. THIS IS A FALSE COMPANY AND JUST TAKE YOUR HARDWORKING MONEY FOR NOTHING. PLEASE DO NOT FALL FOR IT!!!!"

Is MWR Financial A Scam?

Scam or Legit

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 Leasing.

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

TESTIMONIAL - Saying Goodbye To Our Jobs

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 Leasing.

How Much Does MWR Financial Cost?

mwr financial how much does it cost

Joining MWR Financial can become expensive. Here is some initial investment you may 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.
  • $99.97 per-month for the Financial Edge Membership

It's unclear from the customer feedback what exactly the current fee structure is like, because the company tries to keep it hidden.

It seems like inflation has affected the monthly membership cost - from $79.97 to $99.97 - but the Financial Director fee may have actually gone from a $99 to a $50 one-time fee.

I haven't seen anything about the Biz Center fee lately.

Payment of the monthly fees is required to earn some commissions under the company's compensation scheme, but if you're not making sales, you're going to end up paying over a thousand dollars per-year just for the "right" to sell their product.

The monthly charges for a customer's credit repair services ranges from $60-100 per month.

MWR Financial Refund Policy

mwr financial refund policy

MWR Financial flashes a "30 Day Guarantee" all over their website, but it seems there are loopholes for them to exploit.

They require you to be apart of both major programs they offer (not one or the other), and complete the full Plan of Action...something that might take longer than 30 days.


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 2024?

Digital Leasing

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 Leasing 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 Leasing 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 Leasing 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 Leasing, you own the assets, which means you have all the power and all the control.

TESTIMONIAL - Feeling Blessed

3) Little To No Startup Costs: It’s possible to get into Digital Leasing 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.

TESTIMONIAL - Scott Lead Gen

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.

TESTIMONIAL - Lance Lead Gen

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 Leasing, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Leasing, 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 Leasing 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 more Make Wealth Real reviews 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 Leasing.

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 Leasing.

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