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What Others Are Saying About The SMART Wealth Systemâ˘!
What Your SMART Wealth System⢠Includes
For anyone who is striving for financial security and for work being optional in the future, I absolutely trust John Cummuta’s advice, and recommend this program most highly.
Lori S. Port Saint Lucie, FL
I had to change my retirement strategy because what I was doing was not working. The standard 401(k) wasn't working. I was saving, but I wasn't getting out of debt. I lost a lot of money in 2008 and credit card debt increased substantially. I wish I had done this when I was younger.
Dave K., Allison Park, PA
Thank you for your advice and your help with our savings plan. Many of my c0-workkers were concerned all day about the plunge of today and I was able to relax. Thank you again!
Andrew B.
Fresno, CA
If you’re not completely satisfied, simply let us know via email – YOU WON’T EVEN HAVE TO TALK WITH A HUMAN – just email us and we’ll refund your money NO QUESTIONS ASKED!
INSTANT ACCESS to ALL  SMART Wealth System⢠Course Session:
Session 1 - Start With a Plan - takes you through an extensive process to determine your likely, dependable post-employment monthly income and expenses. Session includes:
- SMART Session 1 Video Lesson
- SMART Session 1 Audio Lesson
- Start With a Plan worksheet (PDF)
- Start With a Plan presentation slides (PDF)
- Household Monthly Budget ExcelÂŽ Spreadsheet
Session 2 - Maximize Your Accelerator Marginâ˘Â - uses both paradigm shifting and mathematical tools to help you manage your spending to maximize the dollars available for capitalizing the next step in the plan. Session includes:
- SMART Session 2Â Video Lesson
- SMART Session 2Â Audio Lesson
- Maximize Your Accelerator Marginâ˘Â worksheet (PDF)
- Maximize Your Accelerator Margin⢠presentation slides (PDF)
- Income and Expense Statement ExcelŽ Spreadsheet
Session 3 - Activate Your Private Bank - unveils the Private Bank concept, the platform from which you will pay off your debts and build your wealth - using the same dollars at the same time. Session includes:
- SMART Session 3Â Video Lesson
- SMART Session 3Â Audio Lesson
- Activate Your Private Bank worksheet (PDF)
- Activate Your Private Bank presentation slides (PDF)
Session 4 - Remove Your Debts - uses your Private Bank to pay off your debts, because every dollar that goes into and even through a Private Bank stays in it earning interest and dividends at 5-20 times what banks pay. Session includes:
- SMART Session 4Â Video Lesson
- SMART Session 4Â Audio Lesson
- Remove Your Debts worksheet (PDF)
- Remove Your Debts presentation slides (PDF)
Session 5 - Transition to Investing Like a Bank - first shows you what assets banks traditionally invest in: real estate (like your home), vehicle financing (like your car) college education loans, businesses, home remodeling (HELOC), and other low-risk, high-return investments. It then explains exactly how you can use your Private Bank to invest in these same safe. real asset classes, including specific investment recommendations most people are unaware of. Session includes:
- SMART Session 5Â Video Lesson
- SMART Session 5Â Audio Lesson
- Transition to Investing Like a Bank worksheet (PDF)
- Transition to Investing Like a Bank presentation slides (PDF)
You Get LIFETIME Access To Our Live Online Classroom Sessions!
AND BELIEVE IT OR NOT THAT'S NOT ALL!
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A COMPLETE Extra Session
Session #6 - Closing Your Retirement Gap!
Bonus #1 Session 6 - Closing the Retirement Income Gap
This awesome bonus session brings all the of the previous 5 sessions to bear on making sure your post-employment income streams will add up to more than your post-employment living expenses. That’s what we call “Work-Optional Wealth,” where working is up to you, because you can live without the income.
Bonus #2 (MP3) - Redesign Your Life
This bonus takes you outside your life-plan box to explore other lifestyle and location possibilities. You may well find a more desirable retirement life, or even current life, in a less expensive areaâŚpossibly even doing something much different from your current occupation.
Bonus #3 (MP3) - How To Increase Your Income
This audio examines your realistic options for increasing your primary income stream and adding additional income streams. From strategies for getting a raise to changing employers to changing careers to starting a business of your own, this lesson helps you determine what would work best for your present and future life.
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Bonus #4 Audio Lesson - The Laws of Success
This bonus audio reveals 15 bedrock principles that, if acted upon, can pretty much guarantee your success in whatever endeavor you focus them on. Theyâre at the root of all of our successes.
Bonus #5 Audio Lesson - The Laws of Achievement
This bonus examines 12 fundamental achievement truths. If youâve bothered to establish any goals for your life, and you want to achieve them, following these time-tested rules will bring you to inevitable success
Bonus #6 (PDF) - Your Average Retirement Day
This bonus takes you through an exercise examining what youâll really need in your retirement years, such as what size house, where it will be located, what recreational activities will you want to pursue, and so on. The answers will help you determine the likely cost of that post-employment life.
Bonus #7 (PDF) - Post Employment To-Do List
This bonus will help you list things youâll GET to do, not things youâll HAVE to do in your Work-Optional Wealth⢠years.
Bonus #8 (PDF) - Monthly Savings To Reach Your Retirement Goal
This bonus will help you determine the savings amount youâll need to put away each month, over various timelines, to achieve a given amount of Work-Optional Wealthâ˘.
Bonus #9 Audio Lesson - Finding Your Accelerator Marginâ˘
This bonus takes you on a tour of all the places money can be leaking out of your life, money that could be building your wealth. Youâll be surprised by some of them.
Bonus #10 Audio Lesson - Manage Your Spending To Maximize Your Accelerator Marginâ˘
This bonus unveils manipulations used on you by the marketing industry so you can make buying decisions with your brain rather than your emotions. This one revelation could free up a lot of money that could be better focused on building your Work-Optional Wealthâ˘.
Bonus #11 Audio Lesson - Your Mind's Money Box
This bonus exposes a mental blueprint that confines most people to a lower economic reality than theyâre capable of. This lesson explains how to redraw this blueprint, so youâre free to achieve an enjoy more financial rewards than you may now be able to dream of.
Bonus #12 Audio Lesson - Debt: Your Biggest Obstacle
This bonus exposes just how destructive carrying debt is to your ability to ever accumulate Work-Optional Wealthâ˘. You can either make debt payments OR build wealth â pick one.
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Bonus #13 Audio Lesson - Whose Wealth Are You Building?
This bonus pulls the curtain back on a collection of industries we call the âCoalition of Four.â This powerful marketplace consortium uses both outside and inside influences to divert most of the money you produce in your life into their bank vaults rather than your own.
Bonus #14 Audio Lesson - The Laws of Wealth Creation
This bonus unpacks 11 foundational principles to successful wealth-building. If you just get these critical truths down inside you, your actions will change to those that draw you towards money and money towards you. Itâs inevitable!
Bonus #15 Audio Lesson - Real Estate Investing
This bonus is a step-by-step guide to operating a single-family-home rental real estate business. It provides a detailed overview to make sure you consider every important aspect of investing in rental real estate, from analyzing properties before you make an offer to building your support team of experts.
Bonus #16 (PDF) - Personal Balance Sheet
This bonus calculates the most accurate measurement of your financial wealth: your âNet Worth.â
100% Money Back Guarantee
Zero Risk 30 Day Money Back Guarantee
We also want to eliminate any stress or hesitation you may feel by taking all the risk for you. Your risk is ZERO. You will get an entire 30 days to experience this life-altering system. If, for any reason, youâre not delighted and donât agree this is the most effective way to make working optional someday, just let us know. Weâll give you all your money back, no hassle, no questions asked.
This is a 100% no-risk 30-day guarantee. Weâre here to support you, and unless we BLOW YOU AWAY with this program, we wonât keep a penny of your money.
PLUS! Don't Forget You Will Receive a LIFETIME SUBSCRIPTION To Our Cash-Flow Dashboard Just For Trying SMART!
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 The price for the SMART Wealth System⢠will never be this low again!
Don't let skepticism keep you from achieving the financial peace of mind you know you deserve. You have nothing to risk and everything to gain. Discover how you can regain control of your financial future - once and for all - for you and your loved ones today!
