Frequently Asked Questions
Opportunity
There are two ways to participate with UNTHINK Retirement™:
1. Trade Prop Firm Capital (ideal for experienced traders)
2. Build a URA (never resets + performance floor)
Because we only use demo trading accounts, everyone can gain real market experience and earn real income with zero market risk to personal capital.
UNTHINK Partners receive eight benefits:
- Access to the UNTHINK Retirement™ Telegram channel
- Learn one simple trade that is easy to recognize but difficult to spot before the opportunity passes
- Real-time notifications whenever a qualifying trade opportunity appears across eight major currency pairs
- Pre-screened trading opportunities using a minimum trading criteria for spotting the best setups
- Key trade levels providing additional confirmation before entering a trade
- The 4×4 Daily Recap is a live, daily review by professional traders explaining what happened and why
- Access up to $1.1MM in prop firm capital
- The UNTHINK Retirement Account is our innovative approach to building capital that, unlike prop firm capital, never requires challenge fees, never resets, and never requires Partners to rebuild their capital account after a losing month
The primary purpose of the Trading Competitions is to allow people to learn to trade responsibly without risking any personal capital in the market. To that end, participants must trade within these guidelines:
1. Register for free to begin trading on our cloud-based platform.
2. You must have a minimum net positive gain of 1% to claim a cash prize.
3. Expert advisors, trading bots, algorithms, or any form of automated trading is not permitted.
4. There is a daily drawdown limit of 5%. This includes both open and closed trades. For example, let’s say you have a $100,000 demo trading account and the following happens:
a. You lose $2,500 from trades that have closed
b. Your current open trades, if closed, would cause another loss of $2,500
If the above occurred (or something like it totaling 5% overall drawdown), you would be disqualified from the competition for that month.
5. There is a max loss of 6%. This is calculated as a loss of 6% from the highest balance (closed trades) you have achieved. For example, with your $100,000 demo account, the following happens:
a. You gain $4,500, putting your balance total at $104,500.
b. 6% of $104,500 is $6,270. If future trades cause your balance to drop to $98,230 ($104,500 – $6,270), you would be disqualified from the competition for that month
Remember, if you are disqualified from the competition, you can begin the next competition with a clean slate. This is the best way to learn without risking any personal capital in the market. As your skills improve, you can earn real cash prizes.
Trade Prop Firm Capital – once qualified, keep up to 90% of profits
Trade UNTHINK Retirement™ Account – Partners grow their URA by inviting people to join their UNTHINK Circle.
For each active Partner in your circle, $1,000 is credited to your URA.
The same practice trading account you use in the monthly trading competitions is connected to your URA. Your may withdraw 100% of your monthly gains up to a maximum withdrawal of 4% of your URA value.
For example, if your URA is valued at $100,000 and you generate a 3% return, you can withdraw the full 3%, or $3,000 for that month.
If you have an exceptional month and earn a 5% return, you still benefit from that performance in our trading competitions. However, your URA withdrawal is capped at 4%, allowing you to withdraw up to $4,000 that month.
PLEASE NOTE: The 4% cap is designed to help maintain the long-term stability of the program while still rewarding strong performance.
Partners are protected by a Performance Floor equal to 2.5% of your URA value each month.
Let’s compare what could happen after the same losing month for three different traders. We will assume a $100,000 account value and a loss of 5% for the month:
1. Trading Personal Capital – a trader using their own money would lose $5,000
2. Trading Prop Firm Capital – a prop trader will lose their funded account and have to pay another challenge fee to start the process all over again.
3. Trading URA Capital (with Performance Floor) – a URA trader would still receive a payout of $2,500 for that month.
The floor provides protection during the months when the market doesn’t cooperate, while still allowing you to pursue returns of up to 4%.
Partner Pass-up: The first person you invite to your UNTHINK Circle (we’ll call him Mike) increases the value of your URA by $1,000.
The second person you invite (we’ll call her Sarah) is added up to your sponsor’s UNTHINK Circle. Passing up Sarah to your sponsor is what allows your circle to grow even when you are no longer actively building it. How?
When Mike (your first personal invite) invites his second person to the UNTHINK community (we’ll call her Tina), he passes her up to you, just as you passed up your second partner to your sponsor. Tina is now a part of your UNTHINK Circle.
When Tina begins to build her own UNTHINK Circle, the same exact process that happened with Mike can happen again. Tina’s second Partner would be added to your circle.
This process can continue on indefinitely, allowing your UNTHINK Retirement circle to grow even when you are no longer actively building it. As you invite more than 2 people to your circle, you can dramatically accelerate the growth of your URA (and therefore your monthly income).
2X URA Bonus: Once you have a total of 25 Partners in your circle (whether you have personally sponsored them or they have been passed up to you), each Partner added to your circle moving forward increases the value of your URA by $2,000.
The UNTHINK Circle Building Center is our in-house team that will hold 1-on-1 phone consultations with prospects on behalf of Partners who want to grow their UNTHINK Circle.
Our team will answer your prospects questions and help them join your circle.
UNTHINK Retirement™ is open from 9am to 5pm Arizona time Monday thru Thursday and from 9am to 12pm on Friday. (Please note that Arizona does not change with DST) UR™ is located in Mesa, AZ.
Yes. For details, please refer to sections 4.24, 4.27, 4.28, and 4.29 of our Terms.
Our Team
UNTHINK Retirement™ is a professional organization dedicated to providing unique and effective ways for developing true, long-term financial success.
We are committed to teaching and living principles of service, integrity and leadership by example. We place the satisfaction of our clients and the success of our representatives at the top of our priority list. To help fulfill this mission, UNTHINK Retirement™ has assembled a truly world class leadership team.
Paul E. Langley
Chief Executive Officer
Paul has been a licensed financial advisor since 1999. He has traded in the futures and forex markets since 2003. Among his accomplishments are valedictorian, Eagle Scout, professional singer, top sales producer in numerous companies, Certified Senior Advisor, and call center owner. He lived in Montreal, Canada for two years and loves any opportunity to speak French. Of all of his achievements, Paul is first and foremost a family man. He is happily married with four children and his family’s happiness is his passion. He has a deep desire to improve the lives of those he meets and this is what drives his success. He is an “idea man” and, as such, has created multiple systems to help the average person achieve above-average success. In this age of technological automation, he believes a personal touch is what leads to long-term growth and high retention.
Jeff Montgomery Jr.
President
Jeff has owned and operated several businesses since 2003. He has been licensed and working in the insurance industry since 2007. The most important things in his life are God, his wife and 4 children, and helping others improve and succeed. Jeff has always had a deep desire to serve others however he can. He finds great joy in seeing others rise to their potential and accomplish great things. One of the ways he has done this is through helping others work hard and build business systems. Jeff also has a passion for music and inspiring people and helping them feel happy through song. He sings professionally and has started to write his own music, as well. He also loves high adventure activities such as skydiving, quad riding and motorcycles. He believes that life is an amazing gift that we can mold into whatever we want it to be.