Frequently Asked Questions
Opportunity
Partners are subscribed to UNTHINK Retirement™ to access company funds and/or refer others. Partners can access up to $1.1MM in company funds ($185k in “instant funding”). If a Partner refers others, he/she can earn additional UR Tokens, build a gold reserve, and earn both personal and indirect referral fees.
The 3-fold purpose of UNTHINK Retirement™ is to:
1. Increase Financial Returns; specifically, to teach you powerful strategies for passing trading challenges using responsible trading. This includes:
a. UR Telegram Partner Group – our pros share the exact trades they enter on their own accounts, including video and/or written explanations of targets, stop losses and leverage
b. Training Videos – simple, pre-recorded videos that will teach you how to easily follow along with our pros
c. 4×4 Daily Recap – each day (M-Th) at 4pm PT, we do a brief hands-on training to show our current and potential trade entries, technical training, etc.
2. Reduce Personal Risk by trading company funds, eliminating challenge/IFA fees, and building a Gold Reserve through referrals
3. Create Residual Cash Flow that can continue to grow each month even after you stop
Partners also receive a website and back office to track the growth of their business.
UR Tokens are the internal units of value within UNTHINK Retirement. UR Tokens are used to replace the cost of accessing challenges or instant funded accounts (IFAs) as follows:
UR10 = $10,000 IFA
UR15 = $10,000 IFA (upgraded)
UR20 = $25,000 IFA
UR30 = $25,000 IFA (upgraded)
UR30 = $50,000 IFA
UR45 = $50,000 IFA (upgraded)
UR60 = $100,000 IFA
UR90 = $100,000 IFA (upgraded)
UR120 = $200,000 challenge
UR150 = $250,000 challenge
UR400 = $500,000 challenge
Upgrades include the following:
1. Hold over weekend
2. 90/10 split (normally 75/25)
1. Residual Referral Fees
a. $50 per month per Tier 1 Partner
b. $10 per month per Tier 2 Partner
2. UR Tokens – 10 UR Tokens one-time upon enrollment of every Tier 1 Partner
3. Gold Reserve – $5 per month is added for every Tier 2 Partner
PLEASE NOTE: The Gold Reserve is only paid out once the total has reached the current value of 1 oz. of Gold. If a Partner cancels his/her account prior to that moment, he/she forfeits this bonus.
Partners begin earning Referral Fees with the 2nd monthly subscription payment and are paid out on or around the 15th of each month.
As soon as a Partner has made 3 Personal Referrals (PRs), they are qualified to earn all compensation (Personal Referral Fees + Indirect Referral Fees + UR Tokens + Bonuses).
Your 3rd PR is passed up to your sponsor. This pass-up mechanism creates a tremendous amount of leverage allowing Partners to build potentially unlimited and ever-increasing Referral Fees + UR Tokens + Bonuses.
Here’s an example of how the pass-up works:
- You refer your first 2 Partners (Mike and Tom). With your first 2 Partners, you earn enough ($50/mo. + $50/mo.) to cover the cost of the UNTHINK Retirement subscription.
- You now refer your third Partner, George. Because he is your third Personal Referral, you pass George up to your sponsor. We call George your Pass-Up Referral (PUR). Passing George up to your sponsor changes him from your Personal Referral to an Indirect Referral for your sponsor.
- Mike (your #1 PR) now refers his third Partner, Tina. Like you had to pass your third partner up to your sponsor, Mike has to pass Tina up to you. At this point, you become Tina’s sponsor and Tina becomes your Indirect Referral (from Mike). You earn $50/mo. from Tina’s subscription. PLEASE NOTE: Once Mike refers passes Tina up to you, he will become qualified to earn Personal Referral Fees + UR Tokens + Indirect Referral Fees + Bonuses just like you.
- Tom (your #2 PR) now sponsors his third Partner, Suzy, and passes her up to you (just like Mike did). You earn another $50/mo. from Suzy’s subscription.
- Tina passes her third Partner, Suzy, up to her sponsor. Who is Tina’s sponsor? It’s YOU! You become Suzy’s sponsor and she becomes your Indirect Referral (from Tina). You earn $50/mo. from her subscription.
- The pass-up mechanism can continue in perpetuity by building a team where everyone refers just 3 Partners one-time and then stops. If you refer more than 3 people, you can increase and speed up your income, token balance, and gold reserve.
In order to pass trade challenges, you need to know what TO DO and what TO AVOID.
For CHALLENGE ACCOUNTS:
TO DO
- Gain 10% (e.g., turn a $5,000 account into $5,500)
- There is no time limit, so we encourage aiming for “base hits” (small, consistent gains) vs. “home runs” (lucky, bigger gains, the opposite of which can easily cause a challenge failure)
- Enter at least 1 trade every 30 days.
1. Daily loss limit of 5%. This is calculated from the previous day’s end-of-day balance or equity (whichever is higher) at 5pm EST.
For INSTANT FUNDED LITE ACCOUNTS:
TO DO
1. Build a 3% Reserve (i.e., you can withdraw funds above 3%)
2. Follow the Consistency Rule
a. (Best Trading Day PnL / Total PnL) x 100 – this cannot exceed 25%. This means you cannot reach your entire profit target in fewer than 4 days (100% / 25% = 4).
b. If a single trading day contributes more than 25% of your total profits, your account will not be eligible for payout until your performance is more evenly distributed.
TO AVOID
1. Daily loss limit of 3%
2. Maximum Trailing Drawdown of 5%.
The UR Building Center is our in-house team that will hold 1-on-1 phone consultations with prospects on behalf of Partners who market the UNTHINK Retirement™ service.
Our team will answer your prospects questions and help them get started with your link.
UNTHINK Retirement™ is open from 9am to 5pm Arizona time Monday thru 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.