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 the following benefits:
- Access to the UNTHINK Retirement™ Partner Telegram group for questions and collaboration
- The Trade Vault offers push-button trade generation including entry, stop loss, target, and exact lot size based on the % profit you select
- Our 4×4 Training is a live 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
- Complete Sales & Marketing System including up to 5 leads a day, an AI-powered CRM to call and text each of them, 180+ nurture emails to follow-up, and a live in-house team to answer your prospects questions on your behalf and help them get started
There are 2 primary purposes of the URA account:
1. Learn to trade responsibly and within prop firm guidelines without risking any personal capital in the market.
2. Generate monthly income ranging from 2.5%-5% of the URA value.
In order to maximize the goals above, you must follow these guidelines:
1. Register for free to begin trading on our cloud-based platform.
2. Expert advisors, trading bots, algorithms, or any form of automated trading is not permitted.
3. 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), your account would be disqualified for the month. You can, of course, register a new account every calendar month.
PLEASE NOTE: Even when your account is disqualified, you still earn the 2.5% Performance Floor on the URA!
4. 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), your account would be disqualified for that month.
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.
Each active Partner in your circle adds up to $2,000 to the value of your URA.
Your may withdraw 100% of your monthly gains up to a maximum withdrawal of 5% 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 6% return, you still benefit from that performance in our trading competitions. However, your URA withdrawal is capped at 5%, allowing you to withdraw up to $5,000 that month.
PLEASE NOTE: The 5% 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%.
We recognize that not everyone has the same strengths in building this business. Some are better at trading, and some are better at building.
The Performance Floor Boost rewards those who help grow the UNTHINK community. Your Performance Floor starts at 2.5%, and for each new Partner you personally sponsor, your Performance Floor increases by 0.5%, up to the maximum 5% monthly payout.
For example, if your trading performance for the month is 3%, but you have personally sponsored three Partners, your Performance Floor is boosted to 4%—so you receive the higher 4% payout. If your trading performance is 5%, you receive the higher 5% payout instead.
That means you can increase your Performance Floor from 2.5% to 5% by either trading or personally sponsoring Partners.
Your URA grows as your UNTHINK Circle grows.
Your first two people you personally introduce to UNTHINK Retirement are your Thank-You Partners. Each adds $1,000 to your URA and is passed up and added to your Circle Leader’s circle.
Beginning with your third personally sponsored Partner, each becomes a Personal Partner and adds $2,000 to your URA.
Here’s where the power of the UNTHINK Circle begins. When a Personal Partner introduces their first two Thank-You Partners, those Partners are passed up and added to your Circle, adding $1,000 each to your URA. Those new Partners can then add their own Thank-You Partners to your Circle, who can do the same.
This creates the potential for exponential growth—2 Partners can lead to 4, then 8, 16, 32 and beyond—as the process continues throughout your Circle.
The more Personal Partners you sponsor, the more starting points you create for this growth—allowing your URA to grow through both your efforts and the efforts of your Circle.
Watch The UNTHINK Circle video explanation by Clicking Here
Everything you need to help grow your UNTHINK Circle is included with your membership:
- Up to 5 leads per day, delivered through our AI-powered CRM
- Complete marketing system, including landing pages, short explainer videos, and 180+ automated nurture emails
- AI-powered CRM to automatically call and text your leads
- In-house consultation team to speak one-on-one with your prospects, answer their questions, and help them get started
- $0 additional marketing required — the leads, tools, follow-up, and support are all included
You don’t have to figure out where to find people, what to say, or how to follow up. Plug into the system and use it to grow your UNTHINK Circle and your URA
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.
