MWR Financial Reviews – Legit Credit Score Strategy Program?

MWR Financial Reviews – Legit Credit Score Strategy Program?

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MWR Financial is a direct selling company and MLM that offers financial planning services.

You pay to join the company, then make money by recruiting other people to join MWR Financial. You pay a one-time membership fee of $100, then ongoing fees of $40 per month, depending on your subscription level.

As far as we can tell, the main goal of MWR Financial is to recruit other people to join the company. However, MWR Financial also claims to give members access to financial planners and advisors.

MWR Financial has a professional-looking website that portraits it as a sophisticated financial analysis service site. The company also has pages on social media, including Instagram, Facebook, and YouTube.

On their official webpage, the company frequently describes itself as the “home of the instant pay raise.” In fact, the company has trademarked that term.

Let’s take a closer look at what MWR Financial sells – and the MWR Financial opportunity.

How Does MWR Financial Work?

MWR Financial works similarly to other multilevel marketing opportunities. You pay a fee to join the company, then make money by convincing other people to pay that same membership fee.

If you convince enough people to join MWR Financial in your downline, and if those people continue to recruit others, then you can make a lot of money.

As with most MLMs, however, MWR Financial seems to funnel money to the top of the pyramid, with most members expected to lose money.

Here’s how the official website describes MWR Financial’s moneymaking system:

  • Step 1) Get an “instant pay raise.” You pay a fee to join the company today.
  • Step 2) Share MWR Financial with others. You convince other people to join MWR Financial and pay the same membership fee.
  • Step 3) Make money. If you recruit enough people to join MWR Financial and pay the membership fee in your downline, then you can enjoy the rewards.

MWR Financial Products & Services

The main goal of MWR Financial MLM, like most, is to recruit other people to join.

However, the company also offers a range of products and services related to financial planning.

The company claims to employ a team of financial experts that has “proven strategies to secure you & your family’s financial future.”

MWR Financial’s products and services are bundled through the FinancialEDGE membership program, which requires a separate membership fee (around $90) after joining the company.

By signing up for FinancialEDGE, you get access to four core financial planning products and services, including:

  • MoneyMAX: Unlimited access to professional financial planners and advisors.
  • CreditMAX: Improve your credit score from 50 to 150 points, on average.
  • EquityMAX: Get out of debt in one-third to one-half of the time while saving thousands.
  • WealthMAX: Get exclusive access to the financial secrets of the wealthy.

We’ll break down each of these products and services below because there are multiple subsidiary products and services under each one.


MoneyMAX gives you unlimited access to MWR Financial’s team of financial planners and advisors. These advisors include CPAs and CFPs that would normally charge $125 to $200 per hour – but now offer their services to MWR Financial members for free.

Some of the products and services available through MoneyMAX include:

Instant Pay Raise: MWR Financial’s experts teach you how to get an instant pay raise starting on with the next paycheck. If you’re a W-2 employee (like over 150 million Americans), then you could benefit from this pay raise, earning an extra $300 to $600 per month, on average.

Taxbot: MWR Financial members receive access to an app called Taxbot. Taxbot tracks mileage with GPS captures and organizes receipts, and provides other bookkeeping functions.

Professional Financial Advice: MWR Financial members receive professional financial advice from certified experts who explain how to reduce their tax burden, pay less in taxes, choose the right life insurance, structure your business, budget your money, and more. Whether dealing with estate planning or business tax deductions, members can get professional assistance from certified experts.

According to MWR Financial, these products and services give you “everything you need to succeed as a financial expert, without having to become one.”


CreditMAX lets you improve your credit score by 50 to 150 points, on average. Members receive actionable strategies they can use to improve their credit score. After following this advice, you can expect to raise your credit score by 50 to 150 points, depending on your situation.

CreditMAX has purportedly helped over 100,000 people restore and build their credit while removing over 1 million entries.

As with other credit score improvement tools, CreditMAX aims to remove negative entries from your credit report, boosting your credit score.

Some of the ways that MWR Financial claims to improve your credit score include:

Remove Negative Entries: CreditMAX claims to remove things like late payments, collection accounts, state and federal tax liens, automobile repossessions, judgments, foreclosures, bankruptcies, and more.

Credit Scores and Reports: Members receive access to credit scores and reports, allowing them to track their credit over time.

ID Monitoring: CreditMAX also comes with ID monitoring, which means you get notified of any changes to your credit score.

Credit Rebuilding Services: Overall, CreditMAX claims to help you rebuild your credit by removing negative entries.


EquityMAX is a proprietary software program that gives every FinancialEDGE member a monthly plan to escape debt.

The program explains how to pay off your debts in 1/2 to 1/3 of the time it would normally take. You receive step-by-step guidance on escaping from your debt sooner than you thought possible.

Some of the advertised benefits of EquityMAX include:

  • Comprehensive, personalized, step-by-step debt repayment plans
  • Eliminate debts in 1/3 to 1/2 the time without spending more money
  • Calculate the exact day, month, and year on which you’ll be free of debt
  • How to avoid hundreds of thousands of dollars in unnecessary interest charges


WealthMAX claims to give you exclusive access to the wealth-building secrets of the wealthy. Some of the benefits of WealthMAX include:

Private Reserve Accounts: Only 6% of the population has access to a Private Reserve Account, and most of them have annual incomes over $250,000 per year. With MWR Financial, you get access to a Private Reserve Account with your membership.

Land Banking: MWR Financial describes the land as “the #1 investment vehicle used by the wealthy to secure their money” while getting high rates of return. With WealthMAX, members learn a land-buying opportunity for securing land at 20 to 40% below market value. MWR Financial’s experts “do all the work for you” with securing this land purchase.

Wealth Expert Consultations: Members receive unlimited access to licensed wealth experts who can provide personalized consultations.

Personalized Wealth Plan: Get actionable, step-by-step advice for achieving your financial goals.

Other Benefits: Members receive ongoing financial education, past performance comparisons, wealth-building strategy guides, and more.

MWR Financial Features & Benefits

By joining MWR Financial today, you can purportedly enjoy all of the following features and benefits:

Instant Pay Raise: The MWR Financial sales page is filled with claims of an “instant pay raise,” suggesting that members can make money quickly by signing up for MWR Financial today.

No-Risk Business That Pays For Itself: The MWR Financial sales page describes the company’s membership-based affiliate system as “a no-risk business, that can pay for itself.” There’s no risk of joining MWR Financial, and you can quickly and easily make a return on your investment (with your investment being the membership fee).

Guaranteed Residual Income: MWR Financial’s official website describes its compensation system as “industry-leading compensation with guaranteed residual income,” claiming you are guaranteed to earn residual income.

Guaranteed Success: MWR Financial is also one of the few companies that offer guaranteed success. If you follow MWR Financial’s plan and do not save money within the first 30 days of joining the company, then you can cancel your membership with a full refund.

The MWR Financial Opportunity

The main goal of MWR Financial seems to be recruiting other members to join and pay the membership fee. Like other recruitment-based MLMs, you make money by convincing other people to join through your affiliate link.

Some of the core features of the MWR Financial opportunity include:

Residual and Passive Income: MWR Financial lets you earn immediate, residual, and passive income.

Buy a Business that Pays for Itself: MWR Financial claims to pay for itself quickly. You’re buying a business in which you can earn a quick return on your initial investment.

Pay Less in Taxes: By starting your own business, you can write off many personal expenses you would otherwise be unable to write off.

Membership Perks: MWR Financial advertises similar membership perks to other MLMs, including a luxury vehicle club, presidential club, regular awards and dinners, exclusive company trips, and more.

Thousands of Members: MWR Financial claims to have thousands of members and world-class recognition.

MWR Financial Compensation Plan

You can view the full details of the MWR Financial compensation plan by downloading their financial plan here :

Some of the things to note about the MWR Financial compensation plan include:

Momentum Bonus: If you enroll 3 Qualified Financial Directors (CFDs) within the first 30 days, you earn a $150 momentum bonus. Additional bonuses of $450 to $900 are available within the first 60 to 90 days for recruiting additional members.

Customer Bonus: You can earn $40 for every Financial Edge customer you enroll. New Financial Edge members pay $90 to join the company, and you earn $40 of this membership fee, with the rest of the fee being passed up to higher levels of the pyramid.

Sponsor Bonus: If an Independent Financial Director you sponsor becomes qualified within 30 days of enrollment, you earn a sponsor bonus of $50.

Leadership Customer Residuals: Earn up to $8 per month on all the customers enrolled by your coded organization.

Daily Guarantee: Earn $5 to $1,000 in Daily Guarantee bonuses.

Other Bonuses: MWR Financial also offers presidential bonuses, luxury vehicle club perks, and other bonuses.

MWR Financial Ranks

MWR Financial offers six ranks for achieving different targets, including:

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

MWR Financial Pricing

It costs $99 to join MWR Financial. Depending on your membership level, you may be required to pay an additional membership fee of $40 per month.

Here’s how pricing breaks down when joining as a Financial Director or Sales Representative:

Sales Representative: $99 (one-time fee)

Financial Director: $99 (one-time fee) + $40 per month Biz Center fee

Financial Edge: $79.95

As a Sales Representative, you pay a one-time, non-refundable fee. You can earn personal sales commissions as outlined in the compensation plan, but you cannot build a team of Financial Directors and receive override commissions.

If you choose to join Financial Edge, then you pay an additional fee of $79.97. It’s unclear if this is a one-time fee or an ongoing membership fee.

MWR Financial Refund Policy

MWR Financial does not offer refunds on most membership fees. If you join as a sales representative and pay your one-time $99 fee, for example, then this fee is non-refundable.

However, MWR Financial has a 30-day guarantee: if you do not make or save money within the first 30 days of joining MWR Financial, then you are entitled to a complete refund on your membership fees.

Who Created MWR Financial?

MWR Financial is led by CEO and co-founder Brian House. According to Brian’s LinkedIn page, he launched MWR Financial in August 2017.

Brian is based in Falmouth, Kentucky, although MWR Financial is registered to an address in Fort Lauderdale, Florida.

Before launching MWR Financial, Brian served as the Vice-Chairman Marketing Director for FDI / Youngevity between October 2005 and December 2016.

Brian also launched a company named My Financial Advantage, LLC (which also did business under the names QCS, Inc. and CreditTRAX). He served as CEO and founder of that company from January 1991 to December 2016. The company offered financial solutions like credit restoration, debt elimination, and unlimited financial advice on demand – similar to MWR Financial.

Brian has a degree in Accounting, Public Speaking, and Theology from Cincinnati Bible College.

You can contact MWR Financial via the following:

  • Email: [email protected]
  • Phone: 800-997-5090
  • Mailing Address: Commercial Tower, 2101 W Commercial Blvd, Ste 2600, Fort Lauderdale, FL 33309
  • Instagram: @mwrfinancial
  • Facebook:
  • YouTube: MWR Financial

MWR Financial Reviews & Ratings: What Do Customers Have to Say?

As with most MLMs, MWR Financial has mixed reviews online. You can find plenty of people excitedly discussing the benefits of the company and spamming their affiliate link. You can also find people who claim to have been scammed by the company.

MWR Financial has a B- rating on the Better Business Bureau with 14 complaints in the last 3 years. Most of those complaints are related to a problem with a product or service.

Multiple customers complain about issues with cancellations and refunds. However, some customers also report having their issues resolved after filing a complaint.

Others complain about the realistic financial goals advertised by the company. One person claims his credit score was worse after being charged $399.85 by MWR Financial, for example, when he only wanted to join the company to boost his credit score.

Outside of BBB, it’s hard to find other reviews for MWR Financial online.

Overall, some people view MLMs as a scam, and others view them as powerful moneymaking opportunities. You can find plenty of reviews for MWR Financial online covering both aspects.

Final Word

MWR Financial is a financial services company that uses a multilevel marketing-style structure to recruit members and reward affiliates.

You pay a fee to join MWR Financial, then get access to various financial services, including debt advice, professional financial advice from certified experts, and other services.

MWR Financial also teaches anyone how to get an “instant pay raise” by making a small change on their tax return.

To learn more about MWR Financial or to join the company today, visit online at