Complaint Review: Ripoff Report | Financial Halo TRUSTED BUSINESS | Ripoff Report Verified™ …businesses you can trust. Financial Halo offers services across a spectrum that is defined by making a difference in people’s lives. Financial Halo provides suites of services through strategic alliances with third party providers to help people improve their health and increase their net worth by accessing these services to reduce debt, save money and increase their assets. - El Dorado Hills California
- Financial Halo TRUSTED BUSINESS | Ripoff Report Verified™ …businesses you can trust. Financial Halo offers services across a spectrum that is defined by making a difference in people’s lives. Financial Halo provides suites of services through strategic alliances with third party providers to help people improve their health and increase their net worth by accessing these services to reduce debt, save money and increase their assets.
991 Governor Drive Suite 101
El Dorado Hills, California
Financial Halo TRUSTED BUSINESS REVIEW: Financial Halo LLC dedicated to customer satisfaction, providing prompt response and resolution to inquiries. Financial Halo offers services across a spectrum defined by making a difference in people’s lives, providing a suite of services through strategic alliances with third party providers to help people improve their health and increase their net worth by accessing these services to reduce debt, save money and increase their assets. Financial Halo LLC receives a positive rating for their commitment to Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program.
*UPDATE: Financial Halo pledges commitment to Ripoff Report Corporate Advocacy, Business Remediation & Customer Satisfaction Program. A program that benefits consumers, ensuring complete satisfaction, confidence when doing business with a member business. Financial Halo recognized by Ripoff Report Verified™ as a safe business service.
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REVIEW UPDATE: May 10, 2018: Financial Halo remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. Financial Halo is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.
To date, Financial Halo has made good faith efforts to resolve all complaints reported on Ripoff Report. Based on our experience, the member business has proven to be among the top members of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program as a Verified Safe Business™.
Over time and since becoming a member, Financial Halo has remained actively engaged and improving the way they address customer service complaints. As an active and current member of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever Financial Halo remains committed to improving customer satisfaction. [continued below]....
Remember, no company or individual can ever satisfy 100% of the people 100% of the time. There are no products or services that will always be perfect for everyone and even the best companies will receive complaints from time to time. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.
Please keep in mind that as a consumer you have some responsibilities as well. Success has many definitions that based on your past experiences, current situation and your perceived expectations. Success with any product or service is always based on the proper application and understanding. The fastest car will not run if you never turn the engine on. Look at how you used the product or service that was provided in relation with the instructions that you received. The Corporate Advocacy Business Remediation and Customer Satisfaction Program will help you get your voice heard but please be prepared with documentation and fair representation of your concern, also have an idea of how the company can fix your concern. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. ..let them know and let us know!
*Any consumer not receiving satisfaction from a member of the Corporate Advocacy Program should email us at email@example.com.
Ripoff Report Verified™ REVIEW
EDitor's UPDATE: Positive rating and recognition has been given to Financial Halo for its full commitment to quality customer service.
Ripoff Report's discussions with Financial Halo LLC have uncovered an ongoing dedication by the company to total client satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any concerns. Financial Halo LLC listens carefully to client concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a company in the services offered and the support for those services.
Financial Halo LLC's principal, Mr. Sunil Wadhwa, has informed us that his personal philosophy is that his representatives' success is the heart of the business. As a successful businessman, Mr. Wadhwa feels it is critical to listen to his representatives and respond promptly. By always putting his representatives first, Mr. Wadhwa hopes to maintain Financial Halo as a successful enterprise both now and for many years to come. Mr. Wadhwa's personal business philosophy is based on the premise that "strives to add value in service, understanding that a successful business model is based on value-added services, and client care.
Ripoff Report Verified™ .. part of Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program.
A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business..
The information provided in this report below is based on comments made by Sunil Wadhwa and Ken Newton during an onsite inspection held by a third party verification company with no biases towards Financial Halo.
Financial Halo provides the resources that allow consumers to take control of their current financial situation. Their focus is on eliminating debt while accelerating the consumers current net worth. COO, Ken Newton, stated the following about the services they offer, "we align third party providers. We create these strategic alliances with companies that have proven backgrounds, proven services, world class customer support, and we provide those services to our customers and clients through a referral process."
CEO, Sunil Wadwa, explained the unique manner in which Financial Halo obtains leads, "it's all word of mouth advertising. That's how leads are generated, through our external, independent sales force." Once a consumer has expressed interest in the services Financial Halo has to offer they will be engaged by one of their experienced independent representatives. Mr. Newton stated, "they educate and inform them through a variety of means. We have power point presentations, recorded videos, recorded webinars, [and] live webinars. We have a number of means by which they can engage prospective customers or clients." From there the prospective client is thoroughly educated and can make an informed decision as to which service best suites their needs.
CUSTOMER CARE & COMPLAINT RESOLUTION – FINANCIAL HALO
During the onsite interview Mr. Newton and Mr. Wadhwa were asked to describe a situation where I client was not satisfied with the level of service they received. Mr. Wadwa explained that in order to join their company as an independent contractor there is a minimal fee of $99.95. However, some independent contractors do not fully engage with their services and wish to terminate their professional relationship, "they've agreed to certain terms and conditions of joining our company. They've agreed that the refund policy is 14 days and beyond that is no refunds." However, because Financial Halo, "works on a very high integrity level" they will often times provide a refund to their client. Additionally, Mr. Newton stated, "we always try to personalize any of our interactions with someone who has a comment, an inquiry, or a complaint. We feel the personal touch is very, very important."
When asked to comment on complaints posted on Ripoff Report's website Mr. Newton and Mr. Wadhwa expressed that they believe the comments to be from a competitor. Mr. Newton stated, "it was just attaching our integrity, and our character, and it didn't really have anything to do with the products or services or the business of our company." In order to further assure future and current clients Mr. Newton additionally expressed that their company has been in business for 25 years and has "complete transparency."
When asked what type of changes they have made to honor their commitment to make things right with the consumer per the request of Ripoff Report, Mr. Newton expressed their emphasis on being proactive with complaints, "it has made us more sensitive to the need to be very responsive."
Financial Halo is proud to be a part of Ripoff Report's Corporate Advocacy Business Remediation and Customer Satisfaction Program, "I think being a part of the program is going to give us balance. It's going to create a positive to the negative that's been published out there...so we appreciate the platform, we think that people esteem the platform."
FINANCIAL HALO - STATEMENTS FROM THE CEO – SUNIL WADHWA
" Financial Halo is dedicated to offering services across a spectrum that is defined by making a difference in people’s lives. We initiated operations in October 2013 by offering a suite of services through our strategic alliances with third party providers. Our initial core concept was to help people increase their net worth by accessing these services to reduce debt, save money and increase their assets. These services are referred to as "Halos", each of which are separate programs that provide a service through our partner firms.
MedXPrime. In September 2014 we expanded into the medical arena with a new division, MedXPrime, by introducing a life-saving DNA test that helps to prevent adverse drug reactions. We have continued to expand MedXPrime by offering doctors and medical facilities several services which provide better healthcare to their patients and increased revenue.
Financial Halo LLC's founders and management team have a combined 50 years of experience and expertise in this industry. They feel very confident that this gives them the ability to build a very successful company that is responsive to its representative’s needs. Financial Halo LLC takes employee satisfaction seriously as well. Employee feedback and surveys reveal comments such as this, "Financial Halo provides a very positive and challenging environment to work. Opportunities for suggestions and improvements are encouraged. Mr.Wadhwa is truly concerned about our contribution to the company and providing growth opportunities for us. He takes the time to listen and communicate with employees and representatives."
Ripoff Report was pleased to learn that Financial Halo LLC's past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction.
STATED IMPROVEMENTS FROM FINANCIAL HALO
Financial Halo LLC recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. If handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Ripoff Report's review, Financial Halo LLC has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience.
In summary, after our review, which included discussions with Mr. Sunil Wadhwa, Ripoff Report is convinced that Financial Halo LLC is committed to quality delivery of services resulting in total client satisfaction.
How does a business get Ripoff Report Verified™
The member business allows Ripoff report to email everyone from the past. Those who respond to Ripoff report with a valid complaint must be take care of.. they have made a commitment that if anyone contacts Ripoff Report in the future, they will make things right within 14 days. The member business must err on the side of their customers. Otherwise the member business is off the program.
Ripoff Report has determined that Financial Halo meets Ripoff Report Verified™ standards which include a commitment to make a good faith effort to resolve any consumer complaints. Members of the Corporate Advocacy Business Remediation and Customer Satisfaction program do pay a fee for our on-site review, 24 hour monitoring and for support with customers to resolve any disagreements.
Ripoff Report sends a 3rd party service to do an onsite inspection of the new member business. The on-site inspection / review does not mean that the products or services offered by the business have been evaluated or endorsed by Ripoff Report, and has not made a determination as to the business' product quality or competency in performing services. We can verify, that Ripoff Report went to the business, verified their business or “work from home business”, there for, if a customer in the future does not get treated correctly, Ripoff Report can get the problem resolved. If not, and the customers is right, the member business will be taken off the Corporate Advocacy Program.
Remember, Ripoff Report emailed every customer from the past that filed a complaint to make sure the member business made things right with customers from the past. Again, to err on the side of their customer, those from the past and those in the future.
Read more about why consumers should feel confident when doing business with a member of Ripoff Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, it’s a long name for a program that does a lot for both consumers and businesses alike.
Read about Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, a program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. This program works.
As a matter of policy, when a business becomes a member of the Corporate Advocacy Program they agree to allow Ripoff Report to contact every client who filed a complaint so they can make things right with them. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer.
NOW TO THE ORIGINAL REPORT THAT WAS FILED
Financial Halo LLC Financial Halo, My Accelerator Halo, My Tax Halo, My Credit Halo, My Debt Halo, My Foreclosure Halo, My Real Estate Income Halo, My Forex Halo, My Security Halo SUNIL WADHWA NEVADA CITY California
ABOUT THE REPORT BELOW:
From our review of Financial Halo, the company is very proactive in resolving any and all customer issues. The person that wrote this negative report was sent an email but did not respond. Ripoff Report discredits the original report as biased and based in an inaccurate assessment of the company.
Editor’s Note: We thank our users for considering Ripoff Report as a source for information and providing warnings to the general public. That being said, sometimes, after a review of the text, our team will determined that the content filed by an author appears to be serious in nature and therefore questionable and, as such, the Report is placed on hold for further investigations prior to publishing OR is otherwise flagged after publication and is placed into a Review Bin. If and when Reports are flagged for these types of issues, especially when there are specific serious criminal allegations, we may, as we did here, try to follow up with the Author of the Report to obtain more information. Our Terms of Service require that information posted be truthful and not defamatory and we are in no position to determine what information is true or false; the author affirms the truth of a posting prior to posting. We understand that allegations made by an author may very well be true, and we respect an author’s right to Free Speech, but in order for the information to be published once it has been flagged, or for the information to be later (((REDACTED))) once flagged after prior publication, Ripoff Report may ask the author to provide some form of explanation or documentation to support their position. Depending on the circumstances, if the author fails to respond or timely provide adequate notification, at the sole discretion of Ripoff Report, the Report may be considered “incomplete” and may not be approved or may be (((REDACTED))) to remove the serious allegations or otherwise questionable content from the Report and any Rebuttals thereto that mention such information – more for the purposes of making sure the author is standing behind their Report as we are not a judge and jury to determine the accuracy of evidence. Redactions below may be due to the author’s failure to adhere to our Terms of Service and/or because the author failed to timely respond with an appropriate response to our inquiry.
CONSUMERS: Proceed with Caution when reviewing and relying on the subject Report and any additional Postings below as it MAY BE FALSE and/or MISLEADING. It is highly encouraged that you conduct additional research, from credible sources, before making any determination on whether or not to do business with the named individual(s) or business(es).
~ Ripoff Report Team
NOW TO THE POSTING(S) THAT HAS BEEN EDITORIALLY REDACTED:
A person tells truth and helps others is needed. Caution is yours and know facts about Sunil Wadhwa then Richard Kenneth Newton in history. (((REDACTED))) . Can this arrived? Yes, be armed with thinking and facts. Be smart and make up your thinking as a person. Sharing the truth and facts lets seen the choice. Then you are free or you choose to trap and lose money unwisely. Be smart and reject choose to trap and lose money.(((REDACTED)))
English is not strongest language for my to talk this story. My grammar is small, my message of caution and fear is the biggest one. You are welcome to get helped by truth and I thank you friend for making to understand my talk. I talk and you can see risk and lies used your personal ability to think critically and think of mathematics.
Online is dangerous place. You find harm and harm come to you once you stop thinking. Bad persons can use online to make victims suffer. This can mean others take money which is yours and taking is not honest nor legal.
What is named multilevel marketing happens to temptation that you make money then money is just lost by you only. (((REDACTED)))
Internet is your comrade in same place and same time. My talking your comrade to share facts then you think for yourself the outcome. You know of pyramid Ponzi? Many know when that is said and right to be afraid. I talk all facts to you soon. Pyramid Ponzi is alive in new beast form. It is still of top danger and I warn you keep out and not lose all money!
I am no longer believing in MLM. You may think never to believe in MLM soon too.
Brave men are here! Douglas M. Brooks then Robert L. FitzPatrick then Steve Hassan. I have been gifted help by listening and self learning facts. I stopped mistake and you friend can please learn alongside.
I seen MLM is cult. This harms and never only (((REDACTED))) I copy video for you
“Multi-Level Marketing Network Exposed Expert's Discussion of the Perils, Tricks, and Myths in MLM...”
MLM is cult you not get rich you not get promised kept. Cult have tactics to control and deception away from facts as money is taken and freedom is not had longer. MLM does actions same always. Experts talk! Please read and self educate.
I talk facts now. You listen to Sunil Wadhwa history and now. You listen I talk math of Sunil Wadhwa new game. You listen I talk of real math of Financial Halo and your bet is to lose all money. You listen I talk when Financial Halo (((REDACTED)))! You listen I talk that MLM lawyer is not your side standing and keep dishonest men not get legal punished! You listen I talk and show you pyramid Ponzi is alive. (((REDACTED)))
Can you think about mathematics, friend?
If you join to give your wealth to Financial Halo, your money is lost and gone not back to you. (((REDACTED))). He must tell truth just once in small voice. Sunil Wadhwa then has many yell loudly for him and he shouts along the big voice lies of riches temptations.
Here is small voice facts. I copy and your eyes now see
“Since Financial Halo has recently launched, it lacks enough statistical data to prepare reliable income disclosures.”
“Based on industry standards and company projections, the average annual gross income for Associates is projected to be anywhere between $500 and $2,000.”
Learn business facts and witness gross has another. There be gross and net income. Questioning what can net be?
You learning the hard way after you sign over to Financial Halo what money is not made for you. Facts are truth.
I copy quote
“Also, effective July 31, 2014, we will be implementing our policy on 'Active' status
Have one sale or be personally enrolled as a customer of any Halo product/service, either internal or external Halo, no later than July 31st. This may include a front-line Associate who enrolls as a customer of a Halo Back office access is required to be an informed participant in one's Financial Halo business. An Associate without a back office is at a severe disadvantage in being able to engage their business.
After July 31st, any Associate who remains Inactive for three consecutive months will have their existing downline roll-up to the next active Associate and will remain in Inactive status until Active status is met. An 'Inactive' Associate does not accrue group volume for commissions, bonuses or rank advancement.
We hope you find the $19.95 month website and administrative cost to be extremely minimal for the value and the income potential you have. And, while we can't give tax advice, it is a business expense and eligible as a tax deduction (please check with your tax advisor). As the old adage states, “it takes money to make money”. Fortunately the dollar requirements are very minimal but the rewards can be tremendous.
We are so excited to have you on board and look forward to assisting you as you grow your business and create a 'lifestyle by design' by earning the type of income that will set you free. “”
You pay to buy using website. Then you find out costs!
$500 a year is what you earn. Don't be greedy in fantasy and think you get $2000 promise or $20000 or $200000 lies dollar. The law makes the truth talked once and it is $500. You must pay starting and pay ongoing.
Mathematics used: $19.95 for website and 12 months. $239.40 minus to you! That is just start to you pay them!
You join Financial Halo since you want to. This is free joining? No. NO! You pay hundreds of dollars.
Now you have fewer dollars and you pay monthly bills for website.
Friend, you tell me you are special and $500 to each year is not yours. You are big money getter with biggest dream! You make $30000 year since you are special. What is tiny $19.95 one month for winning that bigger money?
YOU WRONG! Friend, I have to talk that Financial Halo is useless. You can't make sales if selling what is no useful. Financial Halo tells you about itself useless.
So copy a quote for you
Disclaimer & Legal Information
No Investment Advice or Recommendations
“The Financial Halo Services and content (including Financial Information ) are for information, education, and entertainment purposes only. Although Financial Halo Services may provide information relating to debt reduction approaches and opportunities to increase assets and net worth , you should not construe any Financial Information, features, tools or other content available through any Financial Halo Service as legal, tax, investment, financial or other advice.”
I quote what talked
“One Accelerator Halo Referral @ $1,000 + One TaxHalo Referral @ $750 = $1,750””
You are to trick others to join next to you. You get paycheck only then. They must trick again and you get paid when they too get new money. Once you inside, you find out truth! You lost money joining and to get payment you trick others forced to keep tricking to get paid. This is no fair and missing honesty.
Internet link tells you from Sunil Wadhwa own voice!
I quote for you
“””Step 3: Share
From your list create Massive Action. Massive Action creates Massive Success. Start with a minimum of 3-5 contacts a day. There is no substitute for numbers. The more the better. The key to the vault is to make sure you speak to at least 3-5 people daily.
Ask them if it would be ok to send them a 5 minute overview of an explosive new company that they may be able to profit with because of the timing of the company and exclusive nature of the business model. Keep it brief. Get commitment to watch the 5 minute video today. Email the MyIncomeHalo Video: http://youtu.be/ZiKtEVSCyus
Step 4: Follow Up
The fortune is in the follow through. Follow up after they watch the video: same day, same night. For more information have them go to your website. They can watch all the Halo videos.
Direct them to the daily webinars. M- Tu-We-Th-Sat.
Use your support team to help with a 3 way call.
Sign up a new customer or new Associate.
Ask for referrals if your contact is not ready to get started. FOUR POWER WORDS: "Who do you know?"
Advantage for you: Immediate Income NOW. “””””
Friend, you get owed money only when you are hustler and take sign up by more then more people. You get stress to bother everyone to sign up without sign up you get no money. This is rude and you will have people quit your presence once you start annoying asking for sign up. Harm to family and friends is yours.
Sign up as the real way of get money is (((REDACTED))) You get only small dollars for sign ups. Most money goes to MLM upline found top of Pyramid Ponzi.
Can you sell item and get money when you choose? Financial Halo prohibit you! This is Pyramid Ponzi and you have brick in Pyramid Ponzi. You get new sign up or you are brick which gets replaced!
Your brick demanded to make money no stopping for (((REDACTED))) upline MLM. Have you no morals to active onward keep new sign ups get tricked into your same fate?
You have read the secret already. I should repeat older quote you read and think again
“”After July 31st, any Associate who remains Inactive for three consecutive months will have their existing downline roll-up to the next active Associate and will remain in Inactive status until Active status is met. An 'Inactive' Associate does not accrue group volume for commissions, bonuses or rank advancement.””
(((REDACTED))) You maybe make small dollars if you hustle sign up many. You stop money moving(((REDACTED)))upline then all your money is exit! Your money goes to next active Associate they threaten you! You never win!
The money is all for (((REDACTED)))at top. You forced to harm and fool others at sign up to have only some money left for you. You can discovery courage and dignity and leave the(((REDACTED))) however.
Your money is gone when wise choice to run apart from Pyramid Ponzi is to be.
A loud voice speaks lies to make you look and think good. I share link online.
I quote you right
“INDIVIDUAL PLAN INCOME: 40 Customers per Month per Associate:
Annual Direct Commission: $27,280.00
Group Bonus: $67,680.00
TOTAL: $94,960.00* “”
What a nice money! You are not foolish and see * however. You are not foolish and know saying threat of jail makes truth talking at least once. I said small whisper voice quoted
“Based on industry standards and company projections, the average annual gross income for Associates is projected to be anywhere between $500 and $2,000.”
What dream of money is $94,960.00! Heroic promise of easy fortune each year by Sunil Wadhwa. Your wake up is no better $500 but your nightmare wake up you paid more total $700 to be inside Financial Halo. Money lost! How do you ever claim wealth? Pyramid Ponzi at top is important wealthy and you count nothing! Move up Pyramid Ponzi by victimize others with sign up more? No thanking there! Humans beings have spiritual souls to care for. Morality exists real.
Friend, why must you mutate to SPAMMER to get small money?
You carry dream of making largest money in Sunil Wadhwa Pyramid Ponzi Financial Halo LLC? Financial Halo train you to be SPAMMER to abuse email in hope of getting sign ups. Financial Halo confess to teach you how to SPAM and email harm. Sunil Wadhwa make you start become person of unfair action to tease that you get money maybe.
You find many laws saying never SPAM and email must be honest notice. Laws matter zero in Financial Halo teach you to SPAM to get sign ups!
Financial Halo tell you copy then send script to use. Financial Halo order you to SPAM if you hopes still to make one dollar under pyramid Ponzi. They teach you talk email subject line and body exactly.
I quote sample teaching
“” SHORT EMAIL TO SEND OUT TO EVERYONE YOU CAN:
Hi [Insert Name],
I just sat in on an online meeting that you have to know about. I learned about a new medical test that will prevent adverse drug reactions; it will be administered by doctors and save thousands of lives per year. The numbers are terrible. There are 106,000 deaths and 2.2 million serious adverse events each year and that includes 700,000 emergency department visits and 120,000 hospitalizations.
By using this test, doctors can protect their patients, save lives, and also protect themselves from potential lawsuits. This is a break through development that is endorsed by the Mayo Clinic; most experts believe this will be required as a ‘Standard of Care’ within the next few years. The best part is there is no cost to the patient because it is a covered expense. What a great win-win.
Here’s where you and I come in. The company that is introducing the program is looking for people who can bring this to doctors. It’s so new that very few doctors know about this although it’s been around for several years and there is a huge opportunity. We can do this part-time or full-time and have our own business. There’s another webinar later this week and I really want you to take a half hour and hear this for yourself. Are you in?
Please register for Personalized Testing – Amazing Marketing Opportunity: Click the link below to register.””
More SPAM training sample. You have job to bother doctor and annoy health care to hope to make money in Financial Halo
“” Send this invitation to your medical professional friends:
Subject: Health Professionals: Discover Pharmacogenetic Testing and How Your Practice Can Benefit
Body: Dr. Lewis Meltz, Board Certified, 30 years clinical experience, former clinical faculty, expert witness, and subject matter expert begins a special series of webinars, “For Health Providers Only.”
Predicted to become the new 'Standard of Care,' adopted by the Mayo Clinic, endorsed by the FDA, and now ready for first movers in medical practice. Health Providers can discover how pharmacogenetic testing can benefit their patients and improve patient care immediately. Testing by one of only 7 certified labs in the world testing for Homeland Security, CIA, FBI, DOT, & the DEA.
If you are a health professional, do not miss these information sessions: “””””
Now you SPAMMER! No person love SPAM and you just abuse email. Even law say you need to stop.
This no secret I share it
Financial Halo no have unsubscribe, no tell this is advertisement and there no physical mailing address in email told you copy and send! This SPAM is illegal and you personally get legal trouble under Financial Halo order you to SPAM to make money. Financial Halo not care and say is you fault!
Once you SPAMMER for Financial Halo you can get money, some money maybe. So you want more money then you make crazy and big dishonest claims to help get sign ups.
Friend, MLM cult fool emotions and stop critical thinking
Lady work from Financial Halo. She calls the products 'dummy proof' as way to benefit buyer. She seek more sign up talking big claims fancy promises. I copy video you witness
Friend, have skeptic mind and caution in ear. Know coming at you is hyperactive sexy promise of save and get money. Then decode mind control tactic manipulation used as listen. All is tricks to win you emotions and take money of you.
Dial your telephone (559) 670-1568
Press 1 hearing sales hype on Halo Accelerator
Friend I quote exactly worded "to save literally tens of thousands if not hundreds of thousands of dollars of interest which you would otherwise pay to the bank"
So common person stop thinking and common person is feeling hyper and excited as talking so much extra money is his! This emotional only no reason and no fact check. Pyramid Ponzi win use this move and all other lose to pyramid Ponzi.
You join Financial Halo? Financial Halo use MLM cult on you! You group think and all have indoctrination to keep up energy, no dream stealing, empty cheerful motivation, sell lifestyle talk, talk hope hope hope, promise of money forever talk, keep work for Sunil Wadhwa, no question, just feel hyperactive and SPAM more call more. I prove it! Set up mind control high pressure MLM cult group think. Pyramid Ponzi keep people and use men by emotional tricks and abuse only.
“””Financial Halo Leadership Conference Call: Every Sunday, 6 pm PT/ 9 ET - Call 559-726-1300 , access code 581337 “””
Pressure from cult control come at fancy talk but zero substance. Sunil Wadhwa meet Ken Newton (real name Richard Kenneth Newton) and both self place at top of pyramid Ponzi. Need to catch minds of many with MLM cult move is in email too!
I quote exact
“”"And so it begins. . . . . .
C.O.O. Financial Halo firstname.lastname@example.org
Thank you for your interest in our "Personalized Medicine" program. Every successful experience in life is a function of mindset. As that great American philsopher, Zig Ziglar, so often put it: "It's your ATTITUDE that determines your ALTITUDE!" (I wish you could hear his east Texas twang as he said that). And it is almost a cliché to say that success is all about preparation. As we move forward with the selection process for Certified Representatives and Referral Representatives, there will be ongoing and intensive training on both practical, clinical levels as well as mental preparation. This goes to self-confidence and self-esteem. There is a perfectly circuitous relationship between one's success and self-confidence. The greater your self-confidence, the more you will try; the more you try, the more you will fail; the more you fail, the more you will succeed; the more you succeed, the greater your self-esteem; the greater your self-esteem, the more self-confidence you will have. . . . . So, we must be prepared and we must be persistent. Calvin Coolidge said:
Nothing in the world can take the place of Persistence.
Talent will not; nothing is more common than unsuccessful men with talent.
Genius will not; unrewarded genius is almost a proverb.
Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent.
The slogan “Press On” has solved and always will solve the problems of the human race.
We begin this process with the attachments to this message. This is not a difficult or time-consuming exercise; it is certainly not a sophisticated analysis or assessment. Sales professionals will not think of this as anything but a memo; certainly not a training. It does provide, however, the opportunity to begin thinking about the mindset of how you may approach this venture and what you should expect. While we do ask that you return the questionnaire, the real value to you is introspective. It should start the wheels turning about what this might be like. It is a very soft orientation to your new business. And, since we are in the selection process, I might suggest that (hint, hint) there is more at issue here than just the information and your review of the documents. Please make every effort to return this at your soonest convenience; many thanks.
I am very sincerely looking forward to meeting you and helping you meet every dream you can conjure. Let me encourage you to bring the future into the present and see your life as it will be one year from now. The mind cannot tell the difference between that which is real and that which is vividly imagined. It will inexorably go to that which you focus and concentrate on. We are all in this together;
Ken and Sunil
Chief Operating Officer
(530) 613-1011 : cell"”””””””
Why he talk about dream and motivation? Too heavy on feel good emotional hyperbole. He act hypnotist keep you in trace as take money? He selling that you give him your money! Nothing go to you and all gotten to him!
Ask questions. Who make most money and why hyperbole and no results? All mind control to keep hyperactive state and big promise with emotion no reason. Be smart and never stay fooled.
A man talk to me talk harsh talk meaning upline and downline MLM. He talk upline is pimps above you and downline is suckers below. What words to give! How you feel about other human being to talk that harsh words. Pyramid Ponzi shares hurtful feelings what are other people.
Friend, you seek $500 a year add in? Think I say for just one year final total Financial Halo promise $500. You want $1000 more at least for year work? Please get job at American fast food worker. I not condescending and not joking. You can do part time extra and make money. You don't buy foolish website name and you get not harass others by sign ups to bring dislike at you for asking sign up too much. You keep personal decency and earn money honest man way and feel no pressure to hurt others.
So Financial Halo no better then minimum pay check job? (((REDACTED)))Financial Halo is better if you highest of pyramid (((REDACTED)))and all lost money pyramid (((REDACTED)))top keep. If you normal person which all are then Financial Halo not for you become super wealthy or normal income.
You get fooled by Financial Halo saying you your own boss. Read policy quote. Download and find file PDF
“4. Independent Contractor Status
Financial Halo Associates are independent contractors. They are not franchisees, joint venture
partners, employees or agents of Financial Halo, and are prohibited from stating or implying,
whether orally or in writing, otherwise. Associates have no authority to bind Financial Halo to
any obligation. Independent Associates will not be treated as employees with respect to such
services for federal or state tax purposes. Financial Halo is not responsible for payment or co-
payment of any employee benefits. Associates set their own hours and determine how to conduct
their Financial Halo business, subject to the Agreement and the Policies and Procedures.
Associates are responsible for liability, health, disability and workmen’s compensation
insurance. As the Associate, you are responsible and agree to pay your own business expenses.”
This talking seem fair if you not think and read smart. Big promise of Financial Halo to be your own boss. Financial Halo talk you own boss independent contractor. Financial Halo no want to collect taxes for employees.
What IRS say okay or bad? Friend, I never first to point out dangerous fault. Many show this true also.
You read IRS tell you
“However, whether these people are independent contractors or employees depends on the facts in each case.”
“You are not an independent contractor if you perform services that can be controlled by an employer (what will be done and how it will be done). This applies even if you are given freedom of action. What matters is that the employer has the legal right to control the details of how the services are performed.”
Read smart my friend! Talk of controlling detail most serious issue.
So what trouble come? (((REDACTED)))
So you own boss independent contractor? So you own boss and clever think of new way to get extra product and sell. You are stopped! Financial Halo say no and tell you detail of why you cannot. You tired of SPAM and want use real advertising if product so good. Financial Halo say no and tell you detail of why you cannot.
You tired to email SPAM and choose own boss way. You go to put product in retail and if good product sell and not then not sell. Financial Halo say no and tell you detail of why you cannot. IRS say if detail controlled you in trouble for fiction independent contractor.
You really own boss? You make some MLM money at Financial Halo and get tired. You take time away but what done downline still come pay you. No more website no more new sign up game. If you own boss then you can. Financial Halo say no and tell you detail of why you cannot. You not hustle for pyramid Ponzi then you get nothing.
How you own boss independent contractor? You set own hours? Friend, you work at fast food and boss talk three shift of morning lunch and night. You choose shift to work fast food. You no have a boss now? NO. You still have boss and choose shift you work. You just worker.
(((REDACTED))) (((REDACTED)))IRS turn back and soon as not looking you told detail on what you do and not do. What real and what not? You just worker is real.
You just worker of Financial Halo. Boss at MLM tell what you do and you can't get choice. Big lie you worker but no taxes for Sunil Wadhwa and Ken Newton clever use false label you somehow free man own boss independent contractor! Stay away!
It is obvious today is 2014. Time travel 2004 and start to learn longest line of MLM scandal which is Sunil Wadhwa.
Sunil Wadhwa talk and I quote
“"Sunil was a real estate investor and small business owner, and Lori was in sales and marketing with a major airline, USAir before this California couple found Pre-Paid Legal.
A friend who was told many times by Sunil "we are not interested" was persistent enough to get Sunil to agree to a meeting about Pre-Paid Legal. It was the most "forever life changing" meeting he ever attended!
"Pre-Paid Legal has provided us financial freedom so we don't have to worry about the economic slowdown," says Sunil.
Both Sunil and Lori love that fact that they can help people change their lives for the better if they choose to. Whether it's selling a membership or recruiting a new Associate, they know they are not just making a sale. They're making a positive difference.
"We tell Associates to make the commitment to eat, breath and sleep Pre-Paid Legal," they say. Become passionate in what you believe, set forth and do it. As Harland Stonecipher says," The biggest sale you'll ever make is yourself." Be persistent and consistent in your commitment to this business and you will become very wealthy with PPL.
"Pre-Paid Legal has allowed us choice. Choice in everything we do. The freedom and flexibility to spend time quality, memorable time together. Whether it's working in the girl's - Anjali and Sheena - classrooms, going on fieldtrips or on a business day in the pool together," said Sunil. "For Lori, it has given her guilt free balance in life between family and career. This is something she has always dreamed of. She has the best of both worlds. It enables her to spend flexible time nurturing the children and also make a difference in today's society. We work hard, but we love to play hard too . . . together!""”
So great! So best business is Pre-Paid Legal. So much MLM greatness that 2004 make money and Sunil Wadhwa say he have finical freedom. So that ending and all just is fine forever? Now he promise such freedom is for you in Financial Halo.
Keep alert. See whose history is Pre-Paid Legal too! Richard Kenneth Newton!
“Field Trainer, Small Business Plan and Group SalesTrainer at Pre-Paid Legal Services, Inc.”
What happen in time after? Sunil Wadhwa make good in life? Rip Off Report is sharing alarm!
Bella Homes LLC is Sunil Wadhwa.
“This basically means after two or three attempts at frivolous lawsuits the courts can bar you or your Co. and that is exactly what is happening to Bella Homes Llc. Nearly kicked out of California as of Sep 28, 2011 Case Sunil Wadhwa vs. Aurora Loan Services. He lost. Sunil Wadhwa is the Brains if you will for Bell Homes Llc.”
Sunil Wadhwa is plaintiff in legal case. HE LOSE!
I quote you
“SUNIL WADHWA and LYNN LORI WADHWA, Plaintiff, v. AURORA LOAN SERVICES, LLC, et al., Defendants.”
“IT IS THEREFORE ORDERED that:
1. Defendants' motion to dismiss all causes of action, ECF No. 43, is GRANTED with prejudice.
2. The case is closed.”
More on Rip Off Report
I quote or you read talk yourself
Bella Homes Llc
Wow is 10,001+ employees and founded just 2014! So big company! Address
Financial Halo LLC
981 Governor Drive
Suite 102 EL Dorado Hills Ca 95762
This fraud and is lie! Address is Chiropractic Doctor office! Where 10,001+ workers? Linkedin show simple 13 men work Financial Halo LLC. You be magnanimous and say maybe 30 on Linkedin somewhere?
Here really what you find at address
Dr. Lewis N. Meltz, DC
981 Governor Dr Suite 102
El Dorado Hills, CA 95762
So why fake address? Why steal place of doctor? Disguise smaller timer as legit business to fool all public.
California Secretary of State not lie to you friend. Financial Halo LLC file exist 12/21/2013. Here real address shocking news about it soon
Financial Halo LLC
747 Sturbridge Dr
Folsom, California 95630-6166
Is house address not real business office friend!
Shock is here!
Preforeclosure Published: 03/25/2014
747 Sturbridge Dr
Folsom, CA 95630-6166
Oh no! Financial Halo Halo Accelerator not work for himself? He not pay off 30 year mortgage in just 10 or less like big promise Halo Accelerator? So sad! (((REDACTED)))
Why family business fail? Not hire professional? No good?
Anjali Wadhwa, Lori Wadhwa, Sunil Wadhwa
email@example.com, firstname.lastname@example.org, email@example.com, firstname.lastname@example.org
Sunil Wadhwa. 916-317-1313 Cell. 916-941-6656 Fax
Have Telephone Talk 916-941-6636
What business partner up to? Why not get business office for real if business real?
Richard Kenneth Newton (with Kathy)
12532 ARTIC CLOSE
NEVADA CITY CA 95959
Home Phone 530-xxx-xxxx Cell Phone (530) xxx-xxxx(((REDACTED)))
If you daring to trust money to Sunil Wadhwa first be good thinker and ask what happen to old business!
Life Saunas International
2756 E Bidwell St Sacramento, CA 95823
(916) 317-1313 (is Sunil Wadhwa)
Why website domain for sale? What happen in past? Ask questions is fair and not give money is thinking man way!
(((REDACTED))) Donald Trump is billionaire and famous.(((REDACTED))) money?
You too make press release on own website and say what foolishness you can talk. It same generic pablum.
Why he no with Cool Trader no more? Why give money to new company? Think smart!
MLM lawyer seller legitimacy illusion for money
If man evil one and try and fool people to join Pyramid Ponzi how he do it? He must fool to make look real and legitimate.
Sunil Wadhwa hire MLM lawyer make pyramid Ponzi look legal. Kevin Thompson name on documents new brick in pyramid (((REDACTED)))victim must sign. Man named Kevin Thompson enter to cover up (((REDACTED)))and make tricks to fool you give you money to pyramid (((REDACTED))).
Now self invention enters! Kevin Thompson just man who work in job chosen like all else. He dream he want to be on TV and rich and famous. He invent that he somehow MLM lawyer and gimmick name taken.
So many people talk MLM consigliere is Kevin Thompson. I ask why he get named called consigliere MLM. Sunil Wadhwa is crime boss?
Kevin Thompson is email@example.com
Consigliere MLM not about help people it scary it about keep pyramid Ponzi men operate longer and not stopped by law until later. So sad.
Kevin Thompson talk he MLM lawyer. So you victim of pyramid Ponzi and go see him get money back and stop bad pyramid Ponzi. NO. He not help victim. He tell pyramid Ponzi how to stall tactic law from catch up to pyramid Ponzi. He take money do action.
He not on side of people and not help victim. He mouthpiece lawyer for bad men who push pyramid Ponzi to harm people. Lawyer of virtue help victims lawyer of evil help criminals not be stopped by laws.
I tell you fact but was secret of Kevin Thompson. Ask question is he no good for victims and no good for MLM?
How he help MLM as big talk claims? You want become lawyer in America? You go school and then you lawyer? No you play and win test at bar. So you lawyer in America then? NO.
You just lawyer in one state! You must win bar in other state to use law there.
Kevin Thompson only lawyer in Tennessee. How useless it be for 49 states. Each state have crime laws on not fraud and not trick not deception business and no pyramid Ponzi. Only lawyer who win bar test in state rightfully talk about each 49 state law.
You interstate business? You real business you will in time need real lawyer in many state. This not so MLM as is all for pretext and simple show like pyramid Ponzi is legitimate for short time.
You want to be MLM crime boss and win money all in America? You afoul of so many law each state to next state just one lawyer not really help you.
Why MLM bother hire Kevin Thompson? Is sales illusion. MLM pyramid Ponzi have paperwork and big talk. Legal paperwork make s****.>
He lazy lawyer just copy paste to each MLM agreement. Generic talk boilerplate for any MLM need now some smokescreen. Mistakes there he no care since is not real paperwork for real business no how.
I not fake or change. I quote you read
““12. Dispute Resolution. All disputes and claims relating to Financial Halo, its services, the rights and obligations of an Associate and Financial Halo, or any other claims or causes of action relating to the performance of either an Associate or Financial Halo under the Agreement or the Financial Halo Policies and Procedures shall be settled totally and finally by arbitration as enumerated in the Policies and Procedures in CITY, California, or such other location as Financial Halo prescribes, in accordance with the Federal Arbitration Act and the Commercial Arbitration Rules of the American Arbitration Association, except that all parties shall be entitled to discovery rights allowed under the Federal Rules of Civil Procedure. Additionally, you agree not to initiate or participate in any class action proceeding against Financial Halo, whether in a judicial or mediation or arbitration proceeding, and you waive all rights to become a member of any certified class in any lawsuit or proceeding.”””
CITY, California? That is real paper and no typo not changed! Why not pick real city? Where you visit court if real issue? It not matter documents for joke and show. Financial Halo say it look legitimacy but is just dress up to hide what really doing.
(((REDACTED))) collapse in time or state lawyers step in to stop. Kevin Thompson got paid he run interference and then leave keep his money. He not care. So many victims of Pyramid Ponzi left behind. Is very sad and you self responsible ask good questions not become victim of Pyramid Ponzi.
Never lower defense against (((REDACTED))) You think there border to (((REDACTED)))? Financial Halo is coming after you. You not safe any state in USA you find person to come after money.
Keep smart and defense against not nice attempt to take money.
Bennie Herring II is Florida and check map in Georgia too.
Financial HALO Florida State Director FMS
He have real business? No! Address is home like copy Sunil Wadhwa business
Fairburn, GA 30213
Seattle corrupted too?
Randall Jamieson Financial Halo
“Our company has just secured a WORLDWIDE EXCLUSIVE CONTRACT with a PATENT PENDING business model. This can fundamentally change the $310 billion pharmaceutical industry and benefit millions of people. It is an amazing "AT COST" prescription medication program; truly at pharmacy cost. For example medications that may cost $75 to $90 we sell for $2.50 for the SAME exact medication as found in any retail pharmacy. The medications are provided by the same manufacturing companies as found in the pharmacy down the street; companies like the McKesson's of the world. It's a monthly membership fee of $29.95 for a single person and $39.95 for a family (parents, kids and grandparents). Here’s a recent example: A new member was paying $375 per month on meds at his local big box pharmacy. He is now paying $56 per month for the EXACT SAME meds plus the $29.95 membership fee for a total of $86. He is saving ~$300 per month. These saving can be life changing for millions
With 4 billion annual prescriptions in the U.S. alone, there is a HUGE opportunity and NO COMPETITION. Think about how many individuals and families can use this service. As mentioned, we have the worldwide exclusive marketing rights. Those that join will have the first mover advantage with very strong ongoing residual income. INTERESTED?”
Be guarding if Michigan, Illinois and Indiana is you home. Tim Popp want your money! Stay alert!
Huntley, IL 60142-7035
Is business really? Notice pattern addresses all is houses! Kitchen table supposed to be place you make money for everyone? Send out SPAM email from family not funny not ethical.
Telephone (847) 669-0006 and talk to Amanda and press for reality of earning money. Get disclosure on what money make and if no you leave fast!
Why take bad gamble in Nevada?
Expansion Team at Financial HALO
Stuart and Lori Denham
Ask questions is fair. Can you do you trust people?
Where you not present Financial Halo?
National Independent Recruitment Service
Office & Fax-(208)-209-2308
Friend, you smart and no like (((REDACTED)))i. So Financial Halo is new?
I talk what is now with (((REDACTED)))is fractal mathematics. Please study to learn in fractals you have many parts same shape to make larger form of same shape. Many small square make one largest square.
So not one pyramid itself. You have many small pyramid group making one total pyramid. So Pyramid Ponzi is here still. Part make whole and no think parts not make (((REDACTED)))i not illegal.
Financial Halo make small levels small pyramid. Tax, accelerator, credit, DNA, Rx. So many small fractal pyramid is still no good. (((REDACTED)))
Keep questions as weapons. Defense with question weapons. Ask to be safe! Now you know more. Be smart and thank you friend. You protection of self and protection of your family from (((REDACTED))).
Thank you all friend!
This report was posted on Ripoff Report on 10/20/2014 02:36 PM and is a permanent record located here: https://www.ripoffreport.com/reports/financial-halo-trusted-business-ripoff-report-verified-businesses-you-can-trust-financial-halo-offers-services-across-a-spectrum-that-is-defined-by-making-a-difference-in-peoples-lives-financial-halo-provides-suites-of-services-through-strategic-alliances-with-third-party-providers-to-help-people-improve-their-health-and-increase-their-net-worth-by-accessing-these-services-to-reduce-debt-save-money-and-increase-their-assets/el-dorado-hills-california-95630/financial-halo-llc-financial-halo-my-accelerator-halo-my-tax-halo-my-credit-halo-my-de-1183953. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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