wealth-generators-logoWealth Generators was founded in 2013 by Ryan Smith, Annette Raynor, Chad Miller, M. Arthur Romano.

kevin-gull-president-wealth-generatorsThe company operates out of the US state of Utah, with Kevin Gull (right) named as President.

As per Gull’s Wealth Generators corporate bio;

Most recently, Kevin was President of Symmetry Global, where he led the company to its highest levels of growth in several years.

Prior to that, as a leading consultant in the direct selling industry, Kevin has successfully launched over 12 networking startups in a 10 year period, and has created marketing and business development strategies for over the past 20 years.

He also has vast experience working with leading direct selling focused companies including: NuSkin Intl, Ariix, iCentris, Red Mat Media and more.

Of Wealth Generators’ Founders, I was only able to put together an MLM history for Chad Miller. Miller was an affiliate with Yoli (health and wellness).

None of the Wealth Generators Founder bios contain any information about prior involvement in any MLM companies.

Read on for a full review of the Wealth Generators MLM business opportunity.

The Wealth Generators Product Line

Wealth Generators helps anyone ─ from trading experts to those who’ve never been in the markets before ─ to implement a simple, affordable, proven system for success that doesn’t require you to spend your days watching the market.

Wealth Generators operate in the financial services MLM niche, with a specific focus on stock market trading.

The company offers trading tips to subscribers for $49.99 each, or bundled in two packs for $99.99 a month.

One pack provides a subscriber with three weekly trade strategies, the other three monthly trade strategies.

Wealth Generator’s trading tips appear to be provided through Wealth Generator Founder M. Arthur Romano’s company, Wealth Engineering (note that Annette Raynor is also the COO of this company).

On the Wealth Engineering website (“wealtheng.com”), Wealth Generators is listed as one of the companies Wealth Engineering has equity in.

The Wealth Generators Compensation Plan

The Wealth Generators compensation plan sees affiliates purchase and sell $49.99 tips and $99.95 a month subscriptions.

Commissions are paid out residually through a unilevel compensation structure, with additional performance based bonuses available.

Commission Qualification

As per the Wealth Generators compensation plan:

You must be active (100 PV) and have 3 active personally enrolled Generators to participate in the Bonus Plan.

PV stands for “Personal Volume”, and is generated either via the sale of a $99.95 a month subscription to a retail customer, or by a Wealth Generators affiliate signing up for a subscription.

“Generators” are what Wealth Generators refer to someone who has an active $99.95 subscription (be it affiliate or customer).

Therefore in order to qualify for commissions, every Wealth Generators affiliate must be generating at least 100 PV a month in sales volume (which can be their own purchase), and have sold at least three $99.99 a month subscriptions.

Wealth Generators Affiliate Membership Ranks

There are nine affiliate membership ranks within the Wealth Generators compensation plan.

Along with their respective qualification criteria, they are as follows:

  • Copper – maintain 100 PV a month in sales volume and have  a downline generating at least 400 GV a month in sales volume
  • Bronze – maintain 100 PV a month in sales volume and have a downline generating at least 1000 GV a month in sales volume
  • Solid Bronze – maintain 100 PV a month in sales volume and have a downline generating at least 3000 GV a month in sales volume
  • Silver – maintain 100 PV a month in sales volume and have a downline generating at least 5000 GV a month in sales volume
  • Solid Silver – maintain 100 PV a month in sales volume and have a downline generating at least 10,000 GV a month in sales volume
  • Gold – maintain 100 PV a month in sales volume and have a downline generating at least 25,000 GV a month in sales volume
  • Solid Gold – maintain 100 PV a month in sales volume and have a downline generating at least 50,000 GV a month in sales volume
  • Platinum – maintain 100 PV a month in sales volume and have a downline generating at least 100,000 GV a month in sales volume
  • Solid Platinum – maintain 100 PV a month in sales volume and have a downline generating at least 250,000 GV a month in sales volume

Note that from the Solid Bronze rank, no more than 50% of qualifying GV can come from any one recruitment leg.

Residual Commissions

Residual commissions in Wealth Generators are paid out via a unilevel style compensation structure.

A unilevel compensation structure places an affiliate at the top of a unilevel team, with every personally recruited affiliate placed directly under them (level 1):


If any of these level 1 affiliates go on to recruit new affiliates of their own, they are placed on level 2 of the original affiliate’s unilevel team.

If any level 2 affiliates recruit new affiliates, they are placed on level 3 and so on and so forth down a theoretical infinite number of levels.

Wealth Generators cap payable unilevel levels at 7, with commissions paid out as a percentage of the sales volume (PV) generated by affiliates in the unilevel team.

How many unilevel levels an affiliate is paid on depends on the Wealth Generators affiliate rank:

  • Copper – 5% on levels 1 and 2
  • Bronze – 5% on levels 1 to 3
  • Solid Bronze – 5% on levels 1 to 4
  • Silver – 5% on levels 1 to 5
  • Solid Silver – 5% on levels 1 to 6
  • Gold or higher – 5% on levels 1 to 7

Unilevel Infinity Bonus

The Unilevel Infinity Bonus allows a Wealth Generators affiliate to earn beyond the first seven levels of their unilevel team.

The bonus pays out a percentage down each individual unilevel leg, until an affiliate at the same or higher rank as the affiliate who’s team it is is found.

Once an affiliate at the same or higher rank is found, the bonus only pays up until that affiliate (from the 7th level onwards).

If no equal or higher ranked affiliate is found, the bonus is paid out on all affiliates in that particular unilevel leg.

How much of a percentage is paid out depends on an affiliates rank:

  • Solid Gold – 1%
  • Platinum – 2%
  • Solid Platinum – 3%

Note that for the purpose of Unilevel Infinity Bonus calculation, each unilevel leg is independent from the rest.

Wealth Club Bonus

The Wealth Generators Wealth Club Bonus pays a monthly bonus to affiliates who have productive downlines.

  • recruit and maintain three commission qualified affiliates = $100 a month
  • recruit and maintain three commission qualified affiliates who each generate at least 400 GV a month = $600 a month
  • recruit and maintain three commission qualified affiliates who each generate at least 1300 GV a month = $1500 a month

Prosperity Pools

Wealth Generators’ Prosperity Pools are bonus pools in which affiliates can qualify for shares in.

There are five Prosperity Pools in total, each made up of 1% of Wealth Generators total monthly sales volume.

Starting from the Silver rank, each rank has an individual Prosperity Pool associated with it.

Wealth Generators affiliates obtain shares in a pool by qualifying at the Silver and higher ranks.

Upon qualifying for a Silver or higher rank, an affiliate is awarded two shares in that particular pool.

As an affiliate is promoted in rank, they maintain their shares in the lower ranked pools.

Additional shares can be obtained when personally recruited affiliates also qualify for Prosperity Pools at one of the applicable ranks.

Eg. If a personally recruited affiliate qualifies at the Gold rank, their immediate upline will receive an additional share in the Gold Prosperity Pool.

Via rank promotion of the same affiliate, they would have already received a share in both the Silver and Solid Silver pools as well.

Qualified Generators Bonus

In order to qualify for the Qualified Generators Bonus, a Wealth Generators affiliate must purchase a $105 Qualified Wealth Generators pack.

This pack provides access to training materials and access to a monthly webinar.

The Qualified Generators Bonus follows a pass-up commission structure, wherein an affiliate is paid between $40 to $90 on personal sales of the Qualified Wealth Generators pack they make.

The commissions on the first, third and fourth of these sales is passed up to an affiliate’s upline, with the rest of the commissions generated by other numbered sales kept.

In turn, an affiliate’s downline must also pass up commissions numbered first, third and fourth – ditto their downlines and so on and so forth.

$90 is the maximum payout allocated, but only to affiliates who have recruited ten or more Wealth Generators Pack purchasing affiliates.

For affiliates who have not reached this goal, the difference between what they are paid (either $40 or $75) and the maximum payable $90 is passed to their upline (if not the immediate then the first qualified upline).

The same is true of qualification between the $40 and $75 payout level.

Joining Wealth Generators

How much does having my own Business cost to set up?

A: It costs $124.99, with a $25.00 annual fee, and $99.99 for your first month’s subscription to either the weekly or monthly trade alerts.

As per the Wealth Generators FAQ above, the total cost for Wealth Generators affiliate membership is an initial $224.98 and $25 a year thereafter.


Combining stock market trades and MLM is problematic in the sense of how the service is marketed.

In the case of Wealth Generators, they openly market the Wealth Engineering trading tips as investments delivering returns:

From January 2013 through September 2014 the performance has been as follows:

Weekly Performance = The return on investment across our weekly strategies was 1266%.

Monthly Performance = The return on investment across our monthly strategies was 860%.

These percentages are based on Return on Investment (ROI) which means it is based on how much you put into each trade, not how much money you have in your total account.



This is not in and of itself a red-flag, nor is it illegal. However within the context of an MLM business opportunity, it’s definitely a grey area.

I acknowledge that Wealth Generators themselves aren’t accepting payments (securities) and then offering a ROI. They, through Wealth Engineering, are selling trading advice.

What you do with that is up to you.

The implication in attaching an MLM opportunity to this advise however, is that you join Wealth Generators and then will generate significant ROIs.


Whether the vehicle this achieved through would be separated from the MLM opportunity by a regulator I can’t say. I don’t recall though a regulator ever separating components of an MLM business opportunity upon investigation.

Again, I’m not saying the MLM side of Wealth Generators has anything to do with securities, ROIs or stock advice, but it’s hard to separate the two when the service is offered directly through the MLM opportunity.

Wealth Generators offer a guarantee on trades made:

We are so confident in what we do that we offer a Triple Your Money Back Guarantee stating that if you trade one of our 3-Pack Strategies for six months and LOSE money overall for the six month period, WE WILL REIMBURSE YOU 3X YOUR SUBSCRIPTION FEES.

But whether or not that will work for or against them in a regulatory sense I’m not sure. Guarantees of income are usually frowned upon in the MLM industry.

This being a guarantee of profit via use of the service though, yeah… like I said earlier, definitely a grey area and I’m not sure which way it might go should it be investigated.

On the MLM side of things, the two most critical points of analysis of Wealth Generators compensation plan are

  1. Whether retail customers are purchasing subscriptions and/or single $49.99 tips and
  2. Are enough affiliates qualifying for commissions via retail subscription sales?

On the first count, this up to affiliates to market the subscriptions and single tips.

If there aren’t significant retail sales of the subscriptions and single tips taking place, then all you’ve got are affiliates pumping money into Wealth Generators, and getting paid to recruit.

The affiliate fee paid to join Wealth Generators isn’t commissionable, but if nobody but affiliates are paying $99.99 a month – then that’s pretty much a defacto recruitment commission.

And that brings us to our next point, that affiliates are required to generate 90 PV a month – which is conveniently obtained via the sale or purchase of one $99.99 subscription.

One thing I was surprised to see was the complete lack of mention of both retail commissions on personal sales made of Wealth Generators subscriptions.

If a Wealth Generators affiliate sells a $49.99 tip for example, as per their compensation plan material I have no idea how much they are paid.

The only commissions available appear to be sales volume based, which are only paid out residually (your unilevel team’s efforts).

As such there doesn’t appear to be any incentive to actually retail Wealth Generators’ subscriptions.

With affiliates required to recruit and generate 100 PV a month to qualify for commissions though, there’s a very real incentive to operate Wealth Generators as a simply autoship recruitment scheme.

You sign up, pay your $99.99 a month and then recruit other affiliates who do the same.

Whether or not they actually use the provided tips is irrelevant, as you yourself are simply paid to recruit new participants, who recruit new participants and so on and so forth.

That’s only negated by the existence of retail, which I can’t seem to verify even exists… based on the complete lack of retail commissions structure in Wealth Generators’ compensation plan.

On the off-chance that this is just an oversight by the company, as a prospective Wealth Generators affiliate I’d definitely check if your potential upline is qualifying for their commissions by their own purchase or that of a sale.

The catch-22 here is that people are unlikely to purchase a subscription from someone themselves not using it. As such you’d want at least one retail subscription sale on top of an affiliate’s own monthly subscription to demonstrate retail viability.

Wealth Generators could remove this doubt by requiring an affiliate to make and maintain at least one retail subscription sale to qualify for commissions, but instead we have the ambiguous “you can qualify yourself” criteria.

This only feeds into the strong possibility that a Wealth Generators affiliate is going to recruit three affiliates to qualify for commissions, over making three retail subscription sales.

All in all I’m still not 100% sure on the offering of trading advice as an MLM product.

It might be alright if there was a clear distinction between the MLM opportunity and the tip service itself, but with Founders of Wealth Generators owning the tip platform, that’s not the case here.

Definitely something to think over if you’re looking to get involved with the Wealth Generators opportunity.


Update 29th June 2018 – On around March 2018 parent company Investview renamed Wealth Generators to Kuvera Global.