Is MWR Financial A Scam? Don’t Join Before Reading This!

Welcome to my MWR Financial review.

You probably came to this page because you wonder if MWR Financial is legit or a pyramid scheme?

No need to worry you’re in the right place for the answers to these questions.

Over the last few years, I’ve been busy creating reviews about all kinds of online products.

Some turned out to be fake others were legit ways to make money online but in the process, I learned how to spot scams.

In this post, I’ll show you absolutely everything you need to know about MWR Financial and after reading it you’ll know exactly if you should give it a chance.

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

MWR Financial Review Overview

Name: MWR Financial
Founder: Brian House 
Product Type: Financial Planning MLM
Earning Potential: Low 
Price: $79,97 (+ $40) monthly fee

MWR Financial logo
  • A proven brand that’s been around for +7 years.
  • The company delivers quality products.
  • Product pricing is reasonable compared to the market.
  • There’s a legitimate focus on selling products.
  • Reasonable startup and maintenance costs.
  • A good compensation plan.

MWR Financial is an MLM company that provides people with financial solutions in the form of memberships.

MWR Financial is not a scam but it’s a hard sell for those that specifically joined to take advantage of the MLM program.

The high monthly fee incombination with the MLM model increases the chances of losing a lot of money.
Similar to: Younique MLM programYoung Living essential oils MLM programMaryKay MLM programAmsoil MLM programSavvi MLM ProgramTrades of Hope MLM program
Recommended: No

What is MWR Financial?

MWR Financial is a company founded by Brian House and Yoni Ashurov (the owner of MWR Life) which offers an all-in-1 financial services package called Financial edge. They market their products with the help of the multi-level marketing model.

Brian House seems to have a lot of experience in the MLM and financial niche. According to his Linkedin, he used to be the vice-chairman and marketing director at Youngevity. 

He’s also the founder of My Financial Advantage a.k.a Credit Trax a company that helps people with improving their credit. He has also been linked to a former Ponzi scheme called Telexfree. 

According to Brian himself, they were merely financial edge affiliates, and the moment he got wind of what they were doing he cut all ties with them. 

MWR Financial headquarters is based at 2101 W Commercial Blvd, #2600 Fort Lauderdale, FL 33309 and have been offering the Financial Edge since 2017.

Here's a short video from the MWR Financial YouTube page where they explain what it's all about.

How does MWR Financial work?

In short, MWR Financial is a company that provides financial solutions in the form of membership. Instead of directly selling it to consumers they have chosen to use the MLM model which gives you the choice to earn money by:

  • Selling the products for a commission
  • Recruiting people to earn bonuses.

What is MLM?

MLM (a.k.a network marketing or direct selling) stands for multi-level marketing.

According to Wikipedia, multi-level marketing is a marketing strategy for the sale of products or services where the revenue is derived from a non-salaried workforce.

As a part of this workforce, you sell the products from the company, and/or you recruit people to do the same thing. This group of people you recruit will work under you and is referred to as your downline.

The bigger your downline is the more money you can earn passively (technically speaking) because you’re getting paid a percentage based on the performance of your downline.

This also means the person that recruited you which is called your upline is making money based on your performance.

The act of recruiting turns an MLM company into a pyramid-shaped organization where the first people to join make the most and are on the top of the pyramid and those last to join are at the bottom.

Multi-level_marketing structure

Source: Wikipedia

MLMs have been around for a long time. There are Multi-level marketing companies active today that was founded in the 1950s. MLM has a lot in common with pyramid schemes which is why scammers often use MLM to disguise their pyramid scheme.

Is it absolutely necessary to recruit people? No.

You can also stick to just selling products and earn a commission. This is easier said than done for multiple reasons which are why most members try to recruit others so they can earn more money.

How to join MWR Financial

You have to be introduced by a member (known as a consultant). After that, you have to choose to become a 1 or a 2. 

As a 1, you purchase the Financial Edge package and you’ll have access to most features and it’s possible to refer 3 people so that you obtain a free membership. 

To become eligible for actual commissions you have to become a 2 which gives you access to everything MWR Financial has to offer. Later in this post I'll elaborate more about this.

You’ll go through their training after which you’re ready to start recruiting people.

Is MWR Financial a pyramid scheme?

To answer this question we need to know what a pyramid scheme is.

What is a pyramid scheme?

A pyramid scheme is a type of scam where people are promised money for joining the scheme and recruiting other people. No selling of a product or service is involved whatsoever.

So you might be wondering where the money comes from?

The people that join are expected to pay a one-time fee and in exchange for that, they get a percentage of the fee of everyone they recruit after that.

The problem is from a mathematical standpoint it’s impossible for everyone to make money because you simply run out of people.

Take a look at this picture below showing how it’s impossible for everyone to earn money.

A Pyramid_scheme

Source: Wikipedia

As you can see, in this pyramid model it’s required to recruit 6 people. You’ll notice from the 12th level and further, it’s not possible anymore for everyone to earn money.

The 2.2 Billion people on the 12th level need 13.1 billion recruits in total for them all to make money which is more people than there are currently on Earth.

Looking at the description of what a pyramid scheme is, MWR Financial can’t be classified as a pyramid scheme from a legal perspective. 

MWR Financial sells a product and has given people a method to make money without recruiting people.

That being said, there are some things that worry me. Read below to find out what I mean.

Who can benefit from MWR Financial?

Who would benefit from joining MWR Financial:

  • Expert salesmen
  • Expert recruiters
  • People that want to use Financial Edge for themselves.

Who shouldn’t join MWR Financial:

  • People that hate sales jobs.
  • People that hate recruiting
  • People that expect to earn passive income

MWR Financial products

MWR Financial has 2 products that people can purchase:

1. Financial Edge Package

The Financial Edge is their flagship product. It’s basically an all-in-one product that offers financial solutions in subjects such as debt, credit, savings, and more.

By purchasing the Financial Edge at a price of $79,97 you’ll receive:

  • CreditMax – credit correct and consulting
  • EquityMax – debt management software
  • MoneyMax – access to CPA’s, CFP’s, and access to TaxBot
  • WealthMax – financial literacy, education, and mentorship program
  • Debt Resolution Center – System for getting rid of people’s debts

You also get the possibility to earn commissions based on promoting Financial Edge.

2. MWR Financial package

The MWR Financial package is their second product which gives you full access to everything MWR Financial has to offer. This package is designed for people that want to earn residual income through MWR Financial.

By purchasing the MWR Financial at a price of $228,97 followed by a monthly $119,97 you’ll receive:

Everything in Financial Edge and extra features such as:

  • Bizcenter
  • Website
  • Capture systems 
  • Marketing materials
  • Ongoing training 
  • Unlimited support
  • and more

Pros and Cons


  • Products have tangible benefits
    Some of these MLM companies sell products of which you don’t know if they’ll benefit you until you use them. An example of this is essential oils. Its never been concluded from a scientific perspective that they work which limits you in promoting their benefits. Thrive life has the advantage with their products that what you see is what you get. People know exactly what they’re buying.
  • It’s a young company
    The easiest period to earn money with an MLM program is the starting phase. In this period, you compete with fewer people to promote the product and people don’t have MLM offer fatigue from people constantly pitching Financial Edge.
  • Commission rate on retail sales is high
    You can get $40 on every Financial Edge you sell. This is almost a 50% commission rate.
  • 30-day money-back guarantee
    All products of Financial Edge have a 30-day money-back guarantee which makes products a bit easier to sell because it removes risks of not getting the value you pay for as a customer.


  • You have to pay to play
    You have to purchase/sell a specific amount of products to stay eligible for getting commissions based on your downlines. The higher the rank, the more you have to purchase.
  • It’s a hard sale
    If you tell me I can get financial solutions in the categories such as debt, credit, savings, and generating income for the price of $79,97 I’d ask you what’s the catch? Followed by recruiting my mind would immediately go to thinking about pyramid schemes.

MWR Financial Compensation Plan

MWR Financia; can be considered a traditional MLM when you look at their most recent 2023 MWR Financial compensation plan. You either re-sell their products for a commission or you can recruit people and receive residual income, climb up the ranks, and earn bonuses.

In total there are 6 ranks that all come with their benefits such as getting a higher commission percentage of all your sales starting at 25% to a max of 40%

  • Executive Director
  • Executive Senior Director
  • Executive Area Director
  • Executive District Director
  • Executive Regional Director
  • Executive National Director

How much does it cost to start an MWR Financial “business”?

The compensation plan is very confusing at first sight but these are the most important things to know when it comes to the cost of staying a member.

How to get started with MWR Financial

You start out with a package called the Financial Edge that costs $79.97/ month and $40/ month for access to tools and the marketing systems in the Bizz Center which is needed to be eligible for retail commissions.

This package only allows you to earn commission based on retail sales. To earn money through residual income you’ll have to purchase the MWR Financial package which costs $228,97 and after that, $119,97/ month.

So overall just to get started (without the residual income capability) you’d have to pay $119,97.

Outside these costs as soon as you start looking for leads that aren't immediate acquaintances there'll be additional costs for:

  • advertising or promotional expenses
  • training
  • rent (for conferences)
  • travel (for conferences)
  • telephone and internet costs
  • other miscellaneous expenses

MWR Financial Bonuses & Commissions?

MWR Financial has multiple bonuses that members can take advantage of to earn money. Here’s a breakdown of all the bonuses available for MWR Financial directors.

1. Momentum bonus

This bonus consists of 3 cash prices which you'll receive when you:

  • Become an Executive Director in the first 30 days and earn $150.
  • Become a 2* Executive Director in 60 days and earn a $450 Momentum bonus.
  • Become a 2* Executive Director in 90 days and earn a $900 Momentum bonus.

2. Customer Bonus

Earn $40 for every Financial Edge customer you enroll and a $10 residual commission on every Financial Edge customer after that.

3. Sponsor Bonus (only available for 2s)

This is a bonus of $50 based on financial directors getting qualified within 30 days.

4. LEADERSHIP CUSTOMER RESIDUALS(only for available for active 3* EDs) 

Earn an extra $30-$150 for every NEW QFD that joins your organization through unlimited levels.  

5. DAILY GUARANTEE (only available for 2s)

A bonus that makes it possible to earn between $5 per month and $5,475,000 per year. 

This bonus is based on the team qualification points you earn because of the performance of the recruits in your downline.

To be eligible for this bonus you must maintain 3 Personally sponsored QFDs and 2 Personal Customers, one of which can be yourself. 

Per rank, the bonuses will differ. Here are all the ranks you can get by name:

  • Executive Director
  • Regional Director
  • National Director
  • Vice Presidential Director
  • Presidential Director
  • Executive Chairman
  • National Ambassador

In the screenshot below is a full breakdown of the qualifications for the guarantee bonuses.

MWR Financial Daily Guarantee

6. PERFORMANCE BONUSES (only available for 2s)

Earn an extra $300 per week by simply helping your team enroll 6 or more NEW QFDs every Friday through Thursday.

Technically, the sky is the limit but in reality, we know because of factors such as your ability to recruit, your competition, and the performance of your downlines there’s is often a limit. 

Unfortunately, MWR Financial hasn’t published an income disclosure to see what current members are earning but I do see it shares the same “handicaps” most MLM companies have which prevents members from earning decent money.

Why aren’t people earning decent money with MLM companies like MWR Financial?

I have summed up the reasons why it’s hard to make money with MWR Financial and MLM companies in general into 4 points.

1. MLMs are often associated with pyramid schemes

MLMs have a pyramid recruiting structure that you often have to join to be able to make decent money or at the very least not lose money.

The problem is a lot of pyramid schemes disguise themselves as MLM programs making it difficult to differentiate the two.

This is the biggest problem why most distributors have a difficult time recruiting people. The moment people hear about how you can make money by recruiting people red flags appear in most people’s minds.

2. You have to consistently invest your money to earn commissions

You’re only eligible for bonuses and commissions if you buy their products. 

The bigger the bonuses the more product you have to buy. You do get discounts but if you can’t sell the products I can see you easily fall into a financial deficit (which happens to the majority of MLMs).

3. The price of the product often isn’t aligned with the market

It’s hard for a multi-level marketer to sell products because most MLM products tend to be a lot more expensive than similar products sold by non-MLM companies. 

This means even if you’re good at recruiting your downline still needs to sell those same expensive products for you to make decent money.

4. The training is outdated or non-existent

99% of all the multilevel marketing companies that I have encountered do a bad job when it comes to providing their independent distributors with proper training.

They always recommend face-to-face selling starting with your immediate social circle and hosting parties. This worked when MLM was a new concept but the market has “matured”. 

People know about the success rates of MLM, MLM-related controversies, and how to get cheaper alternatives for the products MLM companies offer. 

MLM companies don’t provide people with the means to deal with the obstacles that come with multi-level marketing.

You can see that translate in these statistics I found about Multi-level Marketing.

  • Nearly half (47%) of MLM participants reported that they lost money.
  • One in four (27%) MLM participants reported that they broke even (made no money).
  • MLM participants are 7% more likely to declare bankruptcy during their lifetime.
  • Direct sales have risen 79% in the last decade, but MLM participants continue to lose money.
  • 90 – 99% of distributors in multilevel marketing only receive a couple of hundred dollars commission per year.
  • Out of 33,000 interviewed, 90 people made enough money to cover costs in building their business.
  • 50% of the people who start a network marketing enterprise abandoned it in the first year.



Is it truly possible to earn money with MLMs like MWR Financial?

You have seen the statistics. Does this mean it’s impossible to earn money with MWR Financial or any MLM in general? 

No. it is possible to earn money but generally, you’d have to be in 1 of 3 situations: 

1. You’re near the top of the pyramid

The people that get in first are those at the top of the pyramid. 

These people have the highest chance of earning money because nobody has heard of the products the MLM company is selling.

There is no brand fatigue because people get pitched to by hundreds of different independent distributors and you have less competition. 

2. You’re an expert marketer or salesman

Success with MLM is rare but the people who defy the odds are people who have built up skillsets that allow them to market and sell products effectively. 

In most cases, this will mean being savvy when it comes to marketing and sales. 

I know a few people that are successful with Multi-Level Marketing and all of them are what I’d call hard closers.

These are people who have had at least 5 years of experience in either marketing or sales before they got into it. 

You also have to be prepared to become a bit digitally savvy to reach people outside of your social circle. 

This can be done in many ways such as: 

Simply approaching pitching to people you know isn’t going to get you anywhere. Focus on 1 of these 4 methods first.

3. Have an online audience

These are the influencers that have built an audience over the years on social platforms. These people have the trust of their audience so they can easily funnel people to the MLM company.

That being said, you won’t find a lot of influencers who have built an audience doing this for a reason. 

Success is rare in MLM which means sending your entire audience to an MLM company can have disastrous results for the influencer if it doesn’t turn out alright.

MWR Financial Reviews, Opinions, and Ratings

To keep this as objective as possible I wanted to look at what others had to say about MWR Financial.

MWR Financial has been around for a while but it hasn’t been reviewed alot. I did find a few bloggers and YouTubers that reviewed the MWR Financial MLM program and here’s what they had to say. 

MWR Financial opinions

There’s a general consensus that MWR Financial isn’t a pyramid scheme. They also think it's not the ideal MLM program to make money with. 

MWR Financial Customer Reviews

I also looked at what previous and current users are saying about MWR Financial. Here are some screenshots of both positive and negative MWR Financial testimonials.

Most people are satisfied with MWR Financial. 

Monica MWR Financial Positive Testimonial
Nina Positive MWR Financial Testimonial
Verna Positive MWR Financial Testimonial

There are a few negative testimonials regarding the time it takes to pick up cases which can result in a loss of money. 

Aleathea MWR Financial Testimonial
Cynthia MWR Financial Testimonial
Miasha MWR Testimonial

I have also seem some testimonials where the time it took to pick up a case was extremely fast according to customers so its hard to judge that specific facet of the company.

However, I don’t see any hints in the testimonials of customers that would indicate that the program itself would be a scam or pyramid scheme.

My Personal Take

This is one of those MLM programs that makes me nervous. 

Paying $119/ month just for the opportunity to earn money without any guarantee of succeeding just doesn’t sit right with me.

If it came with proper training it'd be a different story in my opinion. 

You also have to overcome all the hurdles that come with the MLM model just to sell the product. 

It also becomes a lot more expensive the moment you want to earn residual income. This is where the risk of losing money becomes exponentially higher.

That being said, MWR Financials can’t be considered a scam because they sell a product which is their financial services.

I just don’t think paying $119 a month just have the capability to earn commissions based on a model that has proven to not be profitable.


Is MWR Financial A Scam? No, but it isn’t a great business opportunity either. 

If you can actually sell the Financial Edge at a high rate it’d be a great opportunity but as someone who has years of sales experience, I can say it’s going to be a tough one.

MWR Financial Alternative

Let’s be honest unless you’re very skilled at selling and recruiting, MLM’s seem like a bad deal.

What if I said to you there’s a method to make money online that doesn’t require you to recruit people or resell products?

Sound like a better option for most right?!

If you want to make money online from anywhere including your own home I recommend looking into affiliate marketing.

I think this method is a better option for most people because you can earn just as much as with multi-level marketing but you don’t have to bother people to join your downline.

There is no need to dig yourself into a financial hole without knowing if you can succeed and you aren’t required to sell a minimum of products to stay eligible for commissions.

I learned how to do affiliate marketing with the help of a step-by-step beginners course on an affiliate marketing training platform called Wealthy Affiliate.

about Wealthy Affiliate

Interested in doing the same? Learn more about the training platform and try out their FREE starters course.

If you have experience with MLM companies like Thrive Life leave a comment.

I’d love to hear what you think about it.

That’s all for today.

See you at my next post!

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About Rogier

I’m an Affiliate Marketing and SEO veteran, Blogger, and Pinterest Marketer based in The Netherlands. On this website, I share my learnings about online entrepreneurship, and digital resources while enjoying life to the fullest.

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