Back in 2006 United First Financial (UFirst) launched in Utah and offered members the ability to market a debt consolidation application called the ‘Money Merge Account’.

Then in 2011 UFirst stopped handling the sales side of their business (leaving their then affiliates in somewhat of a lurch) and instead outsourced it for the better part of a year.

With that seemingly not working out as planned for the company, UFirst have rebranded the Money Merge Account as the ‘Worth Account’, hired a new CEO, made some changes to their compensation plan and are now set to relaunch themselves under the new name ‘Worth Unlimited’.

Read on for a full review of the Worth Unlimited MLM opportunity.

The Company

As mentioned above, Worth Unlimited is the rebranding of United First Financial, who are commonly known in the industry as UFirst.

Operating out of the state of Utah in the United States, Worth Unlimited (and UFirst) was co-founded by Skyler Witman, Matthew Lovelady, Jonathan Bonnette and John Washeko (left to right in the photo above). The company replaced P. Thomas Chester with Spencer Clawson as the new CEO for the relaunch.

Back in the 1990s, Witman and Washenko launched the mortgage company ‘Accelerated Equity’ and marketed their Money Merge Account program.

In 2006 Lovelady and Bonnette were brought on board and Accelerated Equity was relaunched as United First Financial.

Clawson appears to have a history in executive management training and coaching having worked previously as the CEO of training company Innolect Inc.

The Worth Unlimited Product Line

The basic idea behind the Worth Account (formerly known as ‘Money Merge Account’) is that it reduces the amount of time it takes to pay off debt, thus reducing the interest paid to the lender.

The Worth Account is programmed with a considerable number of financial strategies that the banking industry has used for years to quickly eliminate their debt and build wealth.

24 hours a day, 7 days a week, the Worth Account is analyzing every aspect of your personal financial situation, to maximize your cash flow, pay off your debt in record time, and build up significant cash reserves in your bank account.

All without having to refinance, and with no change to your current budget. And, the best part of it is, the Worth Account runs all of the financial strategies for you, behind the scenes.

So all you do is log in for about 10 minutes a month, and follow the simple prompts of the program.

Specific details on how this is all achieved are being kept under wraps with Wealth Unlimited members being required to hand over prospective customers to a company sales team who then run projections and attempt to close the sale.

Wealth Unlimited does not share how the Worth Account product works with its members or customers.

The Worth Unlimited Compensation Plan

Worth Unlimited only have one product, the Worth Account and it comes in three varieties:

  • Gold (no mortgage)
  • Platinum (1-2 mortgages)
  • Platinum + (3-9 mortgages)

The cost price for each of these products is taken directly from the amount of projected savings Worth Unlimited’s sales coaches calculate for prospective clients.

Whereas the previous incarnation, the Money Merge Account, cost a flat $3,500, the Worth Account costs 0.5% to 3% of the projected interest saved by the prospective customer.

There doesn’t appear to be any cap on the price of the Gold plan, however the Platinum and Platinum + plans are price capped at $3495 and $3795 respectively.

Out of this sale price, Worth Unlimited pay affiliates 15 to 30 percent of the final sale price of a Worth Account.

At the end of any given month, if members have generated

  • $0 – $6000 in sales, they earn 15%
  • $6001 – $12,000 in sales, they earn 20%
  • $12,001 – $18,000 in sales, they earn 25%
  • $18,001 or more in sales, they earn 30%

Unilevel Commissions

In addition to the retail commissions outlined above, Worth Unlimited also pay out residual commissions using a unilevel compensation structure.

A unilevel compensation structure places you at the top, with each new member you recruit placed directly under you (forming your level 1). There is no limit to the width of your unilevel structure with each new recruit forming a new leg.

When your level 1 members recruit new members of their own, they form your level 2.  When your level 2 members recruit new members of their own, they form your level 3 and so on and so forth.

Depending on your Worth Unlimited membership rank, it’s possible to earn a commission on the sales made by those in your unilevel team.

  • Supervisors earn 4% on level 1 sales
  • Directors earn 6% on level 1 and 2% on level 2 sales
  • Managers earn 6% on level 1, 4% on level 2 and 2% on level 3 sales
  • Branch Managers earn 6% on level 1, 4% on level 2, 2% on level 3 and an additional 2% on all sales made by their unilevel team (down infinite levels I believe).

The compensation plan material I cited did not mention what the qualification criteria is for each Worth Unlimited membership rank, nor does the company website display any information on the subject (or anything about the compensation plan for that matter).

Joining Worth Unlimited

Membership to Worth Unlimited is a flat $149 fee and allows members to participate and earn in the company compensation plan.

For some reason, due to a corporate agreement between Worth Unlimited and ‘Market America’, Market America members are not able to be recruited as members of Worth Unlimited (despite the two companies having seemingly non-related products).


Commissions wise, barring any abnormalities in the membership level qualifications, Worth Unlimited offer a strong sales based compensation plan with a clear distinction between affiliates and genuine retail customers and sales.

I’m not too keen on the whole passing off a potential sale to a 1800 number (I’d prefer the person who told me about a Worth Account explain it to me), but if they’re able to attract sales without too much of a disruption to the sales process then I don’t see any problem with it.

As far as the Worth Account product goes, noticeable nothing much has changed since it was called the Money Merge Account. Rather than a flat $3,500, effectively the Worth Account is only cheaper on debts that have a greater payable interest of $116,666 (Gold and Platinum Plus plan) and $116,500 (Platinum plan) or less.

Keep in mind that’s the interest paid for the life of the loan and not the total loan amount itself.

If the interest paid exceeds the above amounts,  customers are no better off than Money Merge Account’s $3,500 price tag, which ironically Worth Unlimited cite was a major roadblock for generating sales of the product – the other being a lack of ability of their sales force to close sales (hence the new 1800 sales coach line to close sales for members).

That said, if you can carve out a market for the Worth Account and successfully sell the idea to people without knowing the inner workings yourself or the cost price (not determined until after prospective customers have spoken to a Worth Unlimited sales coach on the phone), then I don’t see any reason to not entertain the idea of joining Worth Unlimited.

That said, with the challenges outlined above, naturally members would be at an advantage if they could share their own debt eliminating experience with potential customers.

With that in mind, I’d strongly advise  obtaining a quote on the projected interest savings generated with a Worth Account on the 1800 line before signing on as a Worth Unlimited member.

If you yourself don’t have a debt that the Worth Account could be used to pay off, you might want to try family and friends to find someone who does.

Naturally you don’t have to sign them up, just get a 1800 coach to advise you on what sort of savings you’d be looking at so that you’ve got some idea when potential customers ask you about potential savings.

One final bit of advice (and a possible red flag I suppose) would also be investigating what the long-term policies are should something go wrong down the track.

Just in case something happened to Worth Unlimited or you might not be able to make repayments, it’d be good to know what your options are and how that affects your managed debt with the company. If not for yourself then again to explain to customers who enquire.

Good luck!