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

By: Brittney

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.

The Good Stuff

A one-of-a-kind commodity.
The owner is a highly accomplished businessman.
The company is legitimate and operates in the MLM industry.

The Bad Stuff

It's challenging to move products.
Limited available information on the company.
Association with a fraudulent financial services company in the past.
Recruitment is crucial to your financial success.
Starting and maintaining membership is pricey.

Firstly, Why Am I Writing This Review?

Nice to meet you, my name is Brittney!

My story starts  like many do… “slaving away” at a 9-5 job that I didn’t really enjoy, but hey – it paid the bills.

I worked for a large Fortune 500 company that performed background checks for other companies when they wanted to hire a new employee… so you know, not exactly exciting stuff.

For a lot of people, a nice stable job and predictable check coming in every month is the picture of success, but for me, it felt like I was missing out on life.

Clocking in every single day, doing the same tasks over and over again, getting home with barely enough time to make dinner and enjoy some time to myself… only to wake up again the next morning and do it all over again.

I just wanted to enjoy life without being shackled to an unfilling job. 

I wanted to be able to take vacations whenever I wanted, for however long I wanted.

I didn’t want to have to beg my boss for a salary increase that barely matched inflation.

I just wanted to be free and happy.

Then about 4 years ago (as a stroke of luck), I stumbled across a program that taught me how to make money online by actually helping real people (local US businesses).

my concrete site

The image above shows an example. This mini website brings me in around $1,250 every single month, and I haven’t touched it in over 2 years.

That’s $15,000 per year in my pocket without having to really do anything.

Just helping small mom-and-pop shops keep their lights on and grow.

So it makes sense why local lead generation is my top online business for passive income. If you’re curious how that business model works, you can read more here.


Who Cares About That?

99% of reviewers out there don’t have experience running an actual business. They’re writing about stuff that they have no real experience with.

Why would they do that?

They just want you to click through and buy the  program that the review is about!

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.

MWR Financial Review

Chances are you heard about MWR Financial because someone – a friend or family member – introduced you to the company. Maybe you attended an online workshop or webinar, or maybe an in-person information session.

Your head’s probably spinning. This might be the first time you’ve heard about a real way to make money outside of a typical job.

So first off, congratulations!

You’ve just entered a whole new world…the world of making money on your own terms.

However, you came in through the wrong door.

Because MWR Financial is – plain and simple – an MLM. Throw whatever fancy name you want on it…multi-level marketing (MLM), network marketing (NWM), direct sales, or anything else, it’s the same concept:

You pay some money upfront for the “opportunity” to sell products.

The products are typically low-quality but with high price tags (because fancy labels and stuff).

You’re told that the key to building your own successful business is selling these products to friends and family, and getting them on a subscription (so you get “monthly recurring revenue”).

Unfortunately, like most people who get taken in by these types of schemes, you’ll quickly discover that the well runs dry faster than you imagined.

After all, they make it sound really simple. “Just get 5 people you know onto this magic widget, and things will just grow from there.”

And in your head, you think “How hard can it be? I know plenty of people, 5 will be easy.”

But then you do it, and you realize people look at you like you’ve joined a cult. You’ve become “that person”, who joined an MLM, and is now trying to sell questionable products or services to everyone they meet.

It puts a strain on your relationships, and you end up stuck between two worlds.

But it’s not your fault. These companies spend millions of dollars each year figuring out exactly how to brainwash and recruit people. And that’s why we’re here.

To help you find a better way before it’s too late.

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

An income stream that doesn’t require:

  • Inventory
  • Selling to friends and family
  • Selling to strangers
  • Recruiting people
  • Dealing with questionable products that weigh on your conscience

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 chasing, selling, or managing anything?

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


This is nothing like MLM, and that’s probably a good thing.

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

What Is MWR Financial?

Videos in MWR Financial Videos on Vimeo

MWR Financial was established by Brian House and Andamo Tolson as a multi-level marketing company.

The company didn’t start up until 2017, yet the domain for its website was registered in November 2016.

The “most comprehensive financial package in the market” is what MWR Financial promises.

The company’s founder thinks MWR Financial’s services can help clients improve their credit scores and maximize their tax refunds.

The company also touted a “proven” technique, dubbed Instant Pay Raise.

Although it appears to be a solid package, I can’t fathom the company’s popularity.

It offers a stable pay structure and a specialized product that isn’t particularly innovative.

However, there is a fascinating twist.

Former multi-level marketing ties to the corporation seem to be a sore spot for CEO Brian House. Why?

Is MWR Financial Affiliated With MWR Life?

Is MWR Financial Claims Affiliated With MWR Life

Both companies’ names contain “MWR,” so I figured they were related.

Jay Tuerk and Yoni Ashurov founded MWR Life.

My Warranty Rewards was rebranded as MWR Life in 2015.

Tuerk and Ashurov weren’t mentioned on MWR Financial website. Financial doesn’t mention Life.

This wouldn’t have concerned me if two companies named “MWR” weren’t so nearby.

In one of the MWR Financial evaluations, Brian said that Financial is “completely separate” from Life.

Financial Edge was originally an MWR Life product, he admitted.

Brian’s declaration that he has no ties to Financial and Life startled me.

I’m not sure why Brian wants to disassociate himself (and MWR Financial) from MWR Life.

Tuerk and Ashurov are probably still with MWR Financial.

You can add your own suggestions in the comments.

Who Is Brian House?

Who Is Brian House Financial Director and CEO of MWR Financial

It’s been said of Brian that he’s “a veteran in the financial solutions industry.”

Before having a “sudden epiphany,” he was planning on becoming a youth preacher.

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

Sometime later, he started a company that would become known as Financial Edge (formerly My Financial Advantage).

My Financial Advantage was renamed Financial Edge for reasons known only to Brian.

Before joining MWR Financial, Brian held positions with Financial Destination Incorporated (FDI) and Youngevity.

Financial Edge (Can It Help You?)

Financial Edge (Can It Help You) MLM companies

“Your own team of financial specialists using proven strategies to assure your and your family’s future,” it says on its website.

Joining MWR Financial appears to include only submitting an enrollment fee, with the remainder being handled by the company.

After digging, I concluded that Financial Edge’s monthly fee is fair. It is not inexpensive, but neither is it prohibitively expensive.

Monthly fees for credit repair services often cost between $60 and $100.

Contrarily, for $79.97 a month, Financial Edge provides access to four different financial services.



Debt management software, Moneymax, offers “unlimited” access to top-rated CPAs and CFPs without costing you hundreds of dollars monthly. Finally, you’ll have access to Taxbot, a tax-related cost tracking, and deductions-finding tool.



Boosts both your own and your partner’s credit scores. If you’ve fallen victim to identity theft, it will help you recover, too.



Software developed specifically to generate a monthly payment plan for debt reduction.



A “genuine wealth specialist” can help you secure a comfortable family’s financial future.

Debt Resolution Center

Debt Resolution Center

It is a supplementary network that helps people monetarily by giving them advice and guidance.

Do you consider these services to be worth $79.97? I believe so, but I’d love to hear your thoughts.

Was Financial Edge Part Of The TelexFree Scandal?

Was Financial Edge Part Of The TelexFree Scandal

According to some allegations, Financial Edge is related to TelexFree. This Ponzi scheme defrauded naive investors out of billions of dollars.

In MWR Financial reviews I read online, Brian strongly refuted the accusation.

If your prospect discovers this, they will be skeptical of MWR Financial and your services.

Nobody can believe Financial Edge is “the most comprehensive financial package in the marketplace” when the company delivering it is run by a man who can’t even admit to past mistakes that cost consumers millions of dollars.

True, some people enjoy Financial Edge.

MWR Financial Compensation Plan A.K.A. Instant Pay Raise – You Can Lose Money!

Join MWR Financial Compensation Plan A.K.A. Instant Pay Raise – You Can Lose Money Online

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

It’s a lovely name, but it’s not original. Indeed, even the MWR Life compensation plan is virtually comparable (though Brian claims there is no connection between the two).

When you join MWR Financial as an FD, you’ll have the opportunity to market Financial Edge and build your own team.

Unfortunately, to make money with MWR Financial, you must spend at least $120 monthly on membership and subscription fees.

Customer Bonuses (Retails)

MWR FInancial Customer Bonuses (Retails) MOre Money online

You get $40 for referring a Financial Edge customer.

Get a free month of Financial Edge when you sign up three or more new customers in a given month.

For every customer you bring in after the initial three, you’ll receive an extra $10 per month.

You will receive a $40 referral bonus if your personally enrolled customers maintain their Financial Edge subscription.

You can compare this to affiliate marketing’s recurring commissions.

Three requirements must be met before you can earn a commission or be designated as a Qualified Financial Director (QFD):

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

Sponsor Bonuses (Recruitment)

Sponsor Bonuses (Recruitment) MWR Financial

The money you’ll make by increasing your workforce and establishing a more formidable sales force.

Momentum Bonuses

This incentive is tied to the number of new Instant Pay Raise subscribers you and your team bring on board within a specified time frame (30 days to 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

Receive a check matching bonus of 25% of the QFDs’ residual earnings you personally recruited.

The daily guaranteed income of your recruits is not included in this bonus.

Cost to Join

Cost to join mwr financial

MWR Financial is not cheap to use when starting a business. Here is some example of the initial investment you will need to make.

  • $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 totals $228.97 upfront and $119.97 monthly.

The company’s compensation plan requires monthly fees to earn commissions.

Is MWR Financial A Scam?

is it a scam

So, is MWR Financial a scam?

Not technically. You can make money with this program, but it’s definitely not as easy as the company makes it sound.

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 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

And, unlike an MLM, you can legitimately do this from anywhere. It’s a true lifestyle business.

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.

Are There Alternatives to MWR Financial?

Yes, there are plenty of MLM companies to choose from if you want to pursue this business model.  Here are just a few:

What Is My Top Recommendation In 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 MLMs and Network Marketing, you don’t really own anything. You have no control over the quality of products. You don’t even own your “team”.
Look at the fine print for most of the agreements folks sign when they join one of these companies. 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) No Inventory: Alright, so most MLMs don’t make you buy the products and fill your garage with them anymore (unlike the good ol’ days), but you’re still in a physical products business.

And physical products always have physical limitations. Even if you don’t have to manage the inventory, you still have to deal with supply chain shortages that cause major delays.

Imagine finally landing your first customer, and then losing them after one sale because they had to wait 6 weeks to get their order.

With Digital Real Estate, a 100% online business, you never even have to think about that risk.


5) 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 an MLM, you’d have to double your customers OR double the average order size of your existing customers. And, guaranteed that’s a lot harder than a few clicks and a few minutes of your life.


6) Make Money Helping Real People: This part is what makes it all worth it. In an MLM, your “upline” might convince you that what you’re selling improves people’s lives, but deep down, you likely know that’s not true.

Most of the time, you’re either selling a dream or a poor-quality, overpriced product with a fancy label.

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.

Table of Contents

Brittney Here!

I get to travel the world and live life without financial worry thanks to the system below!