Executive Summary
Enjoy the current installment of "Weekend Reading For Financial Planners" – this week's edition kicks off with the big industry headline that Bank of America is banning new Merrill Lynch advisors from cold-calling, in what many are calling the "end of an era" of how financial advisors are recruited into the business, as the company looks to shift to a combination of digital marketing (through LinkedIn) and internal referrals of bank clients into its wealth management division, in what Bank of America says it hopes will reduce advisor churn, better support paying advisors viable starting salaries to avoid the hazardous "eat-what-you-kill" approach of the past, and expand advisor diversity by not needing to hire advisors who already have their own natural market... and also improve Bank of America's own client retention and reduce future advisor breakaways by hiring 'less entrepreneurial' advisors who are more likely to be reliant on the bank for their clients and support in the first place?
Also in the industry news this week are a number of other interesting headlines:
- President Biden unveils the blueprint for his $6 trillion Federal budget for the coming year... though, in the end, the real question is what Congress will pass (or not)
- A new study finds that wealth preferences are shifting, with fewer people viewing wealth as "peace of mind" and more associating wealth with happiness, success, and influence instead
From there, we have several interesting articles on investing:
- Vanguard launches a new private equity investment option for its own retail clients (or at least those who are accredited) as the firm continues to move 'upmarket' to a more affluent clientele (who historically may have hired an independent advisor instead?)
- Why the growing focus on ESG is leading to newfound scrutiny on how the "Big 3" index providers (Vanguard, Blackrock, and State Street) are proxy voting for their massive $15 trillion in investable assets
- How I Bonds are getting some 'fresh love' as the government bond yields 3.54% (consisting of a fixed 0% rate and 3.54% inflation rate) in the current environment (albeit with a cap of just $10,000/year in new purchases)
We've also included a number of articles on broader industry investing trends:
- The ongoing evolution of 529 plans to include more automated glidepath funds (that make changes in smaller, more gradual increments over time)
- Why Millennials are actually not poorer (in terms of income or wealth) than prior generations, though student loan burdens have been especially damaging to a subset of Millennials
- The launch of a new "Onramp Invest" platform to help advisors support their clients who are choosing to invest in cryptocurrencies (by facilitating integrations from popular crypto platforms to the advisors' own software systems)
We wrap up with three final articles, all around the theme of investing in oneself as an expert:
- Why and how to position yourself as a "Visible Expert" to both attract more clients and be able to command higher advisory fees
- How the primary benefit of being curious is often to discover opportunities you weren't even looking for (but never would have found without being curious)
- Why the best bet you can make is often to 'bet on yourself'... which sometimes means being willing to take the scary leap into the unknown and believe in yourself that it will work out (which is what provides the courage and focus for the prediction to become a self-fulfilling prophecy!)
Enjoy the 'light' reading!
Bank of America’s Merrill Lynch to Ban Trainee Brokers From Making Cold Calls (Rachel Louise Ensign, Wall Street Journal) - In what is being heralded as "the end of an era", this week Bank of America officially declared that its Merrill Lynch Wealth Management unit will be barred from having its trainee brokers making cold calls, after decades of having cold-calling as the standard practice for new brokers trying to generate clients. In large part, though, the ban on cold calling is simply a recognition that the tactic really is no longer effective, in a world with both a Do Not Call list and fewer and fewer people who even have home phone lines (such that Merrill found fewer than 2% of people who were cold-called even answered the phone), not to mention that fewer and fewer "unattached" consumers who don't already have an advisor or a brokerage relationship and would be likely to respond to a cold call in the first place. In fact, Merrill's own internal data showed that not only was the attrition rate of its cold-calling-based trainee program incredibly high, but those who succeeded were more likely to leverage their own personal networks and natural markets and not actually rely on cold calling, anyway. Which is notable because when wealth is not racially distributed evenly within the country, forcing new advisors to rely on their natural markets also results in a less-racially-diverse base of financial advisors. Accordingly, Bank of America Merrill Lynch indicated that going forward, it will rely on a combination of LinkedIn marketing for digital outreach, and better leveraging its own internal bank referrals to seed newer advisors with clients, which makes it feasible to pay those advisors a base salary (now $65,000/year), and attract a more diverse base of advisors (who will no longer need to come from a family or neighborhood of affluence in order to have a leg up on marketing themselves). In fact, it anticipates that the majority of trainees will come from the Bank's existing Financial Advisor Solutions team (who currently help self-directed MerrillEdge clients), which has already been hiring more than 50% female and 60% non-white over the past 6 years. On the other hand, it's also notable that if Merrill Lynch advisors are increasingly reliant on Bank of America referrals for new clients, it's also easier for Merrill to retain those clients if the advisor leaves, and in general, is more likely to attract less entrepreneurial employee-minded advisors who are more likely to stay in the first place, an indirect nod to the ongoing toll that the "breakaway broker" movement is taking on the wirehouse. Nonetheless, the point remains that as so many financial services firms large and small struggle to attract and retain talent in an 'eat-what-you-kill' approach, the new Bank of America Merrill Lynch approach is arguably far more likely to attract advisor talent that can actually survive and thrive (albeit in an 'employee' model where they service clients of the bank instead of building their own practices).
Biden To Unveil $6 Trillion Spending Plan (Kate Davidson, Wall Street Journal) - This week, President Biden announced that he is about to release a new $6 trillion budget proposal for the coming Federal fiscal year, which would increase defense spending by 1.7% (to $753B), but increase non-defense spending by 16% (to $769B), along with an 8.4% increase in discretionary spending (to $118B). Of particular focus, though, are new investments in some of the Biden administration's stated priorities, including infrastructure spending, education, healthcare, research, and renewable energy, as well as new social programs to support paid family leave and universal preschool. In the aggregate, the proposal would increase debt as a percentage of GDP to as much as 117% of GDP (exceeding the levels that occurred even after World War II), as part of a broader economic policy shift that the government should focus on keeping its debt interest payments in check but not necessarily paying down its debts but trying to run a budget surplus. Notably, a key aspect of the budget proposals includes a number of Biden's proposed tax increases, with one report noting that the current budget proposal assumes that Biden's capital gains tax rate increase could even start retroactively as of the end of April (given fears that delaying the implementation until next year would simply result in an onslaught of capital gains harvesting this year to avoid the higher future tax rate). Ultimately, though, the final budget has not yet been released (though it is expected to publish this weekend via the White House's official 2022 Budget page), and in the end, it's up to Congress to decide what it will actually approve or not, which means everything from Biden's new infrastructure and other spending proposals, to the timing of various tax increases (and whether they even happen), is still up in the air and will still need to be hashed out in Washington over the coming months.
How The Pandemic Has Changed Attitudes Towards Wealth (Paul Sullivan, New York Times) — The bank wealth management firm Boston Private recently conducted a survey of 400 HNW investors ($1mm+ investable assets) dubbed "The Why Of Wealth" that revealed how perceptions of wealth vary across generations, and how the pandemic in particular has impacted wealth attitudes. Most notably, the study found that 78% of Millennials and 73% of Gen Xers reported that the pandemic has changed how they plan to use their wealth, while just 26% of Baby Boomers and Silent Gen felt that way. Furthermore, 89% of Millennials and 75% of Gen X indicated that the pandemic has affected the way they define wealth, versus only 24% of boomers and older investors. More generally, the study also found substantively different definitions of wealth across generations in the first place, with younger investors defining wealth in terms of happiness, success, power, and influence, while older investors viewed it in terms of peace of mind, security, and independence. Notably, the largest post-pandemic attitudinal shifts about what wealth affords younger (Gen X and Gen Y) investors include social life and standing, as well as the ability to indulge in hobbies and passions. In turn, while financial wealth still equates to comfort, fewer equate it to peace of mind. Pandemic-driven attitudinal shifts have also led to an increase across all age groups – but most pronounced in the younger segments – in working with financial advisors. Across the board, the percentage of HNW investors using financial advisors increased from a pre-pandemic mark of 63% to a post-pandemic rate of 77%. Gen Z usage doubled from 33% to 67%, Millennial use increased from 55% to 82%, Gen X from 72% to 83%, and older investors shifted from 62% to 67%. Interestingly, the parallel adoption of robo-advisor solutions has also increased among HNW investors, from 16% pre-pandemic to 27% post-pandemic, with the biggest increases among older client segments (16% to 34% among Gen Xers and 6% to 11% among Boomer/Silent Generation investors). Pandemic-based behavioral shifts also included increased charitable/philanthropic giving, as well as increased savings rates, and the survey also revealed material age-based differences in terms of business ambitions, with 44% of Millennials reporting a goal of entrepreneurial success versus just 12% of Boomers.
Vanguard To Offer Private Equity Access To Qualified Retail Investors (Jeff Schlegel, Financial Advisor) - While for many years there has been an open debate in the industry about whether "alternative" investments like private equity are really a better pathway to invest with a new high-risk/high-return asset class, or simply a higher cost alternative that ultimately provides market-like returns (or worse, after costs), it's notable that this week Vanguard itself announced that it is launching a new private equity strategy (in partnership with $76B private markets specialist HarbourVest). Given the limitations on private investments, though, Vanguard investors who want to participate must either be a Qualified Purchaser (with at least $5M in investments), or be an Accredited Investor with a net worth of at least $1M or more than $200k/year of annual income (or $300k+ if married). The rollout to individual investors is an extension of the private equity strategy, which was originally rolled out by Vanguard and HarbourVest last year to institutional investors (e.g., pensions, endowments, and foundations) that work with Vanguard Institutional. The move is somewhat controversial, though, not only for the dynamics of what has historically been known as a low-cost index provider moving into the world of private equity (though Vanguard is pledging to do so in its 'usual' low-cost fashion, at least to the extent it can in the private equity format, and its own internal research suggests that companies IPO'ing later means there is more wealth creation opportunity to tap through private equity investing), but also because the move is being seen by some as an attempt of Vanguard to compete for more HNW investors (historically the domain of independent advisors, many of whom use Vanguard funds themselves and are concerned about direct competition). In fact, while the private equity offering will initially only be available to self-directed advisors using Vanguard, it is expected to be made available to clients of its own mega-corporate-RIA Vanguard Personal Advisor Services later this year. Though at this point, there's still no word about whether Vanguard's private equity strategies will be made available to independent advisors who may otherwise use its funds.
Why Index Funds Should Tell Us How They're Voting (Boris Khentov, Bloomberg) - As proxy voting and shareholder activism takes on an increasingly central focus in an increasingly ESG-centric investment world, while at the same time index funds and ETFs continue to increase their own market share of investable dollars, there is growing attention on how index funds are (or are not) voting their shares in situations where they could actually be the "swing vote" in shareholder resolutions. Yet the challenge is that at best, index funds are not required to share their proxy voting decisions until months after the fact, which creates a very lagging accountability system for investors to express their displeasure with a particular index fund provider (e.g., by taking their portfolio to a different fund provider that may have the same index holdings but vote them differently), and at worst can actually make it harder to build momentum towards key shareholder resolutions (where it may feel like a 'lost cause' to even try... unless it's known that key investors are on board with the initiative). The issue took on a central focus this week, as Exxon Mobil faced a major shareholder proxy battle that would push the company to embrace and create plans for a future without oil, and Blackrock voluntarily disclosed that it would cast its vote largely with the 'dissidents' pushing for Exxon to change. Still, though, the "Big Three" of indexing - Blackrock, Vanguard, and State Street - now collectively oversee nearly $15 trillion in investments, and are generally given a full year before they have to disclose how their proxies were voted. Point of fact, though, in March then-acting SEC Chair Allison Lee made several suggestions to modernize proxy-voting rules, including "timelier disclosure" by funds. Which raises the question: given the rise of FinTech, could proxy voting reporting soon become a "real-time" exercise (at least if the SEC forced such disclosures), and if so, would that impact which index fund providers investors choose? Could proxy voting of index fund holdings become one of the next big differentiators of 'undifferentiated' index funds?
The Safe, High-Return Trade Hiding In Plain Sight (Jason Zweig, Wall Street Journal) - In the current environment, money market funds are only paying about 0.02%, bank savings accounts are averaging just 0.13%, 3-month T-bills yield only 0.15%, and even the 30-year Treasury bond pays only 2.25%. Yet at the same time, an inflation-protected US Savings Bond - the so-called "Series I Bond" - is currently paying 3.54%! First introduced in 1998, I Bonds pay a combination of a fixed rate for the 30-year life of the bond, plus an inflation rate that adjusts every 6 months. Which is appealing both because if inflation rises, the I Bond's yield will as well, but also because I Bonds have a 'floor' that they can never pay a yield below 0% even if the inflation rate is negative (which effectively makes them a deflation hedge, too). In addition, interest on I Bonds is exempt from state and local taxation (making their effective after-tax yield equivalent even higher), and for Federal tax purposes the I Bond interest can be deferred until maturity or until it's redeemed (and may even be tax-exempt when used to pay college tuition for certain lower- and middle-income families). On the other hand, I Bonds can't be liquidated until they've been held for at least 12 months, and if they're sold within the first 5 years they forfeit the last 3 months worth of interest (though even after the penalty, the yield after 1 year is still far better than most other alternatives!). In addition, I Bonds can only be purchased at an amount of $10,000 per year per account holder. The biggest caveat, though, is that I Bonds can only be purchased directly from the government via a TreasuryDirect account, and as a result can't be held directly in an advisor's managed account (which from a business model perspective, makes it easier for advisors who bill on 'assets under advisement' including held-away assets). Still, though, in this environment I Bonds are mathematically far more compelling than a CD (at least for 1+ years), at least to the extent they can be purchased, and given their government bond backing are arguably a compelling component of almost any longer-term bond allocation as well (where the 12-month liquidity constraint would not be an issue).
3 Themes Shaping The Future Of 529 Savings Plans (Madeline Hume, Morningstar) - 529 college savings plans first emerged in the late 1990s, making many of the plans just as old as the students whose graduations they funded this year, and after 20+ years, the 529 plan landscape continues to evolve. In its latest "529 Savings Plan Landscape for 2021" report, Morningstar highlights a number of key emerging and ongoing trends, including: the number of plans offering gradual glide paths that reduce equity exposure over time is on the rise (with 3X as many such offerings today as there were just 5 years ago), though such changes are shifting from age-based glide paths that make big (e.g., 10%+) shifts at set ages to more target-date-style funds that make smaller more frequency changes (which reduces the timing sensitivity); popularity is still rising as 529 plans themselves become more flexible with recent changes from Congress (as the list of qualified expenses continues to grow to a wider range of options than 'just' traditional college education, from adding K-12 expenses in 2017 to the ability to cover up to $10,000 of student loan debt under the 2019 SECURE Act); fees for 529 plans have been trending down (though not surprisingly, advisor-sold plans are still more expensive, by an average of 0.54%, as the advisor is compensated for their own services); and thus far 529 plans continue to skew towards wealthier clients (in part because couples with <$80,000 of income don't pay taxes on capital gains and qualified dividends anyway under the current 0% bracket, so there is little additional value in a tax-free college account), such that some states are seeking to further broaden accessibility with new child savings accounts initiatives (e.g., Pennsylvania seeds a 529 college savings account with $50 or $100 for every baby born or adopted by in-state families).
No, Millennials Aren't Poorer Than Previous Generations (Nick Maggiulli, Of Dollars And Data) - Recent media coverage has presented a litany of articles around how the Millennial generation is 'poorer' than prior generations were at the same age/stage of life, with Millennials owning 'just' about 5% of all wealth (according to Fed data). However, Maggiulli notes that this is in large part distorted by the relative size of the generations compared to their predecessors (e.g., the Baby Boomers were a much larger percentage of the total population when they were young than Millennials are relative to the current world population); in fact, if the analysis is adjusted to look at financial assets per capita (i.e., adjusted for how many people there are in the population), the reality is that Millennials appear to be 'right on track' for their wealth accumulation relative to previous generations. Of course, financial assets alone can be distorting - given the impact of debt, especially with the rise of student loan debt - but Maggiulli finds that even on a net worth basis, Millennials are still almost precisely on track with where Gen X was at a similar age, and trending in line to where Baby Boomers were (when the data on them begins in their late 30s). Similarly, when drilling down to the data on income, and adjusting that for inflation, the results similarly show that real (inflation-adjusted) household income for those under age 35 (i.e., Millennials today) is still slightly higher than it was 30 years ago, and that outcome holds up and down the income deciles (except notably at the higher top-90% earners, who did have slightly higher real income in 2007 before the financial crisis than they do today). And the numbers aren't substantively different when broken out by educational attainment as well (though for those with at least some college, income levels are higher than they were in the 1990s but slightly lower than they were in the 2000s). Nonetheless, there is one area where Millennials do seem to be faring far worse than prior generations: non-home debt per capita (in particular, driven by student loans, as debt loads for those with at least some college really are exploding upwards), which is leading to Millennials with college degrees having slightly lower net worth than prior generations (though at the bottom decline, net worth levels for Millennials are much lower). Which suggests that in the end, Millennials as an overall generation really are not much worse off than prior generations... though there is a clear trend emerging that at least a segment of Millennials really are struggling with massive student loans that aren't translating into higher income and wealth after college (though on average, investing in a college education with student loans is still resulting in a wealth path similar to prior generations).
Advisor Launches 'Onramp' For Advisory Firms To Access Bitcoin And Other Cryptocurrencies For Clients (Christopher Robbins, Financial Advisor) - One of the biggest challenges for financial advisors who want to support their clients investing in cryptocurrency is that most traditional RIA platforms can't hold crypto assets, and may not even be able to feed in data from external cryptocurrency platforms to track and monitor all of a client's 'off-platform' crypto investments in one place. To address this gap, Onramp Invest has announced the launch of a data platform that will funnel data from crypto-custody providers, Gemini and Prime Trust, and CoinDesk into advisor software platforms like Wealthbox and Advyzon, making it possible to see a client's cryptocurrency holdings alongside their other household financial information. In addition, Onramp is offering advisor education on cryptocurrency, including Interaxis' Certified Digital Asset Advisor (CDAA) designation, though ultimately the platform is positioning itself as a single centralized source for integrations between "crypto" providers and traditional advisor software solutions. As ultimately, even if very few advisory firms are currently actively recommending cryptocurrency into client portfolios, it's still appealing for advisory firms to at least be able to track clients' outside holdings to help monitor their financial situation.
The Visible Expert: How Ordinary Professionals Become Thought Leaders (Aaron Taylor, Hinge Marketing) - In almost any domain of professional services, there are a wide range of professionals who have expertise... and a smaller subset who are more recognized industry thought leaders that have become "Visible Experts" in their particular domain. Yet as it turns out, many of the most prominent Visible Experts were not necessarily the most brilliant people with the highest IQs - despite now being broadly sought out in their industries, quoted in the media, and invited to speak at conferences. Instead, Visible Experts usually share just three core traits: 1) a willingness to teach; 2) good communication skills; and 3) a commitment to see it through. In other words, Visible Experts are simply teachers who build their reputation by teaching and sharing their knowledge, which then feeds on itself as the expertise is recognized and more sought out, which leads to more visibility and additional growth. The key, though, is not about becoming an expert in "everything", but instead gaining prominence by narrowing their scope of expertise and becoming really known for one particular thing; in other words, Visible Experts focus on some kind of niche or specialized area they can truly master, study the audience of people who care about or are impacted by it, sharpen their expertise by studying that particular matter thoroughly, and then sharing the expertise they develop in a way that builds their visibility by either being a Contrarian (who is noticed for their alternative views), a Curator (who is known for collecting all the best thinking together and sifting through it), or a Bridge Builder (who makes the connections that others don't see). The end result is still a wide range of levels of Visible Expertise, from Resident Experts (who can charge 2X what the average person does), to Local Heroes (who charge almost 3X), the Rising Stars (who charge 3.5X), the Industry Rockstars (who charge an average of almost 6X), and the Global Superstars (who charge an average of more than 10X the average individual). Notably, this suggests that building expertise doesn't just add to the ability to charge premium fees, it compounds exponentially instead, making focused expertise in a particular area far more valuable than remaining a generalist.
On the Benefits of Curiosity (Ben Carlson, Wealth Of Common Sense) - One of the interesting effects of curiosity is that it can result in discoveries and opportunities that no one ever anticipated. A case-in-point example was an incident in the early 1980s during the Cold War when the Reagan administration was concerned that the Soviet Union was using chemical warfare against Laos and Kampuchea, based on the discovery of "yellow rain" on their local plants (i.e., tiny yellow spots that were presumed to be the aftermath of chemical attacks)... which an independent researcher who had been studying the patterns of Asian bees realized was not the remains of chemical warfare but the excrement of local honeybees (resulting in the State Department dropping their chemical warfare accusations and a de-escalation of Cold War tensions!). More generally, the key point is simply that often success isn't driven by those who possess the best 'natural smarts' or who embody the best 'natural sales skills', but instead those who are lifelong learners who stay curious and in the process 'discover' their way into opportunities that they may not have been specifically looking for, but never would have found had they not stayed curious. Or stated more simply, "the subjects you’re curious about can have unintended positive consequences on your life. You just have to pull the thread to see where your curiosity takes you."
Bet On Yourself (Thomas Kopelman) - One of the hardest things for most people to do in life is to take a career leap into the great unknown, from taking the leap into the financial services business as a career changer, breaking away and going out as an independent to launch an advisory firm, or making a jump from one advisory firm to another; as a result, even when we're substantively unhappy, it's hard to accept that the risk of the unknown is really better than what at least is a known certainty (even if not currently an ideal one). Yet Kopelman notes that after going through a similar challenge himself - from starting at a 'previous employer' that pushed a certain sales-based approach (that it insisted has "worked" for many prior advisors, but also had an 80% failure rate and didn't align to how Kopelman wanted to serve clients), to taking the leap and "betting on himself" that switching to another firm would afford him a better opportunity to survive and thrive and put in action his ideas. A year later, Kopelman has been able to launch a podcast, a newsletter, and a blog, begin to accumulate an audience of his own, and grind it out after months and months of seeing no results at all (but is now seeing 10-12 new prospects every month that are coming through referrals and his content creation). The key, though, was simply about making a bet on himself - and sticking with it even when he wasn't good at what he was doing initially - trusting that with time and practice comes momentum. Because in the end, you won't be good at anything you're trying for the first time - and neither were any of the people you likely look up to as being masters of that craft now. Even the best only get there with time, practice... and a willingness to bet on themselves.
I hope you enjoyed the reading! Please leave a comment below to share your thoughts, or make a suggestion of any articles you think I should highlight in a future column!
In the meantime, if you're interested in more news and information regarding advisor technology, I'd highly recommend checking out Craig Iskowitz's "Wealth Management Today" blog, as well as Gavin Spitzner's "Wealth Management Weekly" blog.
Gavin Spitzner contributed this week's article recap on How The Pandemic Has Changed Attitudes Towards Wealth.
Wow, what a week of quality, curated content. Thanks Michael!
Small point. In the intro you say I Bonds generate a real return of 3.54%. The real return (over inflation) is actually now zero percent. The inflation component is 3.54% at the moment. That doesn’t detract from Zweig’s idea that these are good short term investments.
All fixed income is garbage
Appreciate the correction, Steve! Was typing too quickly as I was writing this up. It’s fixed now to state more accurately (as you noted)!
– Michael
Michael,
The larger point is this extended zero percent real interest rate environment is unhealthy. And it seems especially weird to have the inflation component be as high as 3.54% in such an environment. It might make for a great Nerd’s Eye podcast to interview an economist (or other expert) on this subject. Maybe John Brynjolfsson?
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I got scammed 2 months ago by a broker I met online while I was surfing the internet . I invested $30,000 and hoped to have at least 70% profit but didn’t get any. Feeling so helpless not until I got help from my colleague about an expert she encountered and how he recovered her lost fund. He works as an expert, to my greatest surprise he tracked and recovered my money back to me. My gratitude goes to moneyrecovery001 at solution4u dot com , the best in money recovery.
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This is a good example if someone is looking for a recovery adept to help them recover a lost coin or funds. I recommend [email protected]. Despite the reasonable terms, he had a good communication skill and that was important to me, he helped recover my stolen $136,000 worth of bitcoin I Invested with a cryptocurrency trading company named Hotbit Exchange. You can contact them if interested in recovering your lost coin.
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I read in many articles online that it was impossible to recover a stolen bitcoin. My paxful account was compromised and then I lost over $7,000 worth of bitcoin to a total stranger. I just needed my money back so I resorted to researching a way out. Surprisingly, I was able to recover mine through an expert: MONEYRECOVERY001 at SOLUTION4U dot COM.
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I nearly lost my sanity when I realized I had lost my money to crypto-organized fraudsters. I didn’t know I would ever be a target of con artists because I have lived my life outright, and the idea of knowing that I had lost what I had labored for to some pretentious individuals will haunt me forever. But then I found a team of Ethical Hackers and everything changed. Joel explained how the process of recovering my money would work, and what we needed to do to get my hard-earned money back, they did an impressive job doing private investigations on those con artists that even my cop friend I had reported the case to marveled at their expertise
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Are we safe? That’s the question I keep on asking, the internet is becoming more unsafe and so many unethical people derive joy from defrauding victims whenever they can. I have fallen victim to their scam tactics and lost $300,000 worth of Bitcoins from my Binance account after I tried to invest in cryptocurrency. I was unlucky to be one of the many victims who have fallen prey to these scam artists, with their usual tactics of cryptocurrency manipulation. My advice to everyone out there is to be cautious and seek enough information before investing in cryptocurrency. I would be in serious financial trouble and probably would have lost my house without the intervention of George Wizard Recovery Home, a cryptocurrency and digital currency recovery company, I was very fortunate to be referred to them by my cousin who was a client of George Wizard Recovery Home for many years back. It was remarkable that a team of cyber security professionals and ethical hackers was able to recover my funds for me. I’m grateful for their service and I recommend George Wizard Recovery Home to everyone out there. Kindly contact them via E-Mail if you need their services. E-Mail:[email protected]/ [email protected]
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Wish you luck.
Approximately a few weeks ago, I invested bitcoins worth $8700 with the wrong platform, I believed that I had irreversibly lost my digital assets. However, just as I started to worry about the potential loss, a colleague of mine recommended Swift Recovery, a highly reputable hacking group that specializes in precisely such scenarios. The remarkable service provided by this team of recovery specialists has far exceeded my expectations. Their support and dependability have been exceptional. They have tirelessly worked to locate and recover my digital currencies, leaving no stone unturned. I sincerely appreciate their dedication and the peace of mind they have brought me during this challenging time. If you or anyone you know has faced a similar situation of losing cryptocurrency sent to a fictitious wallet or being scammed by fake online investors, I wholeheartedly recommend contacting Swift. They can be reached via email: swiftrecovery001 @gmail.com. Their team of experts is committed to providing efficient and reliable assistance in cryptocurrency recovery. Once again, I express my sincere gratitude to Swift Recovery for their outstanding service and for going above and beyond to support their clients. I am genuinely grateful for their expertise and professionalism.
HOW I WAS SCAMMED BY A FAKE CRYPTOCURRENCY INVESTMENT PLATFORM WHO SWINDLED $495,000 OUT OF MY RETIREMENT SAVINGS
“I invested with a Crypto broker without proper research to know what I was hoarding my hard-earned money into, only to find out it was a hoax and sham. I invested over $495,000 USD estimated to be 7.3 BTC. I was unable to make any withdrawals out of my initial deposits let alone the gains he claimed I have earned even after meeting the bogus fees and charges he is always requesting. Fortunately, I got to know about a Wizard that is well know WIZARD BRIXTON GROUP OF HACKER and the are best tech skills in Bitcoin recovery programmers through research and positive reviews i saw on Google. After a couple of hours i consulting with them via WhatsApp: +44 7383450230 ,Email: [email protected] within the next 24hours all my funds were recovered including my profits. I can’t thank these guys enough for making me not another prey to these scammers. Thank you WIZARD BRIXTON GROUP OF HACKER. Consult them via:
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Initially, I never liked anything crypto related but my best friend Michael encouraged me to try it out which I later did and I got a very bad result that nearly made me lose all my wealth. First, these companies will promise to give an enticing offer, but when you finally get involved they breach their initial offer. The company paid us three good times after we enrolled with them and this time we invested a huge amount and never received any more payments we sourced out several processes just to recover back our funds that were trapped but nothing worked out in our favor, but despite the difficult times we never gave up nor lost hope, because we were determined and confident in ourselves to recover our trapped funds Finally, our persistence & determination paid off as we finally met a verified and trusted fund recovery team (Motivfunds recovery). This great team of experts left us both Amazed & speechless after their great & wonderful fund recovery for us and ever since then for more than 5 months now we have been cashing out & never experienced any issues processing our withdrawals. Quickly reach out to Digital Web Recovery Via; ((motivfundsrecovery @ gmailcom)) for your quick recovery of any stuck funds trapped over a long period in any trading platform, your search for the best & trusted fund recovery team is now over because Motivfunds Recovery delivers 100%.
Loosing your hard earned funds to cyber theft can be very depressing and are always huge amount of money so you need to be careful while choosing an investment or trading website. Just last month I almost got conned of 65,750 USD by a self acclaimed broker I met via google ads who promised me high returns on my investment only to discover it was all deceit. I’m grateful for the amazing assistance of ( F U N D R E S T O R E R (@) G M I L () C O M ) who fully recovered my funds after I hired them via their support contact. I got help within few hours I reached out to this firm and I strongly testify they are the best with great service..
Last month I got cheated about 245,000 USD in a pig butchering theft where I got contacted by a faux broker who introduced me to trade signals stating I could earn about 15percent profit on my trades so I gave it a try. At first I earned profits with little funds at the long run when I decided to input large funds I found out I couldn’t access my trade or withdraw my profits then I knew I’ve been cheated. Then I came on the web despite being an unsafe place, fortunately for me after thorough search I found ( F U N D R E S T O R E R (@) G M I L () C O M ) with many positive reviews so I hired him and truly within few hours he recovered part of my stolen funds then the remaining subsequently. Kudos to Dave, this was indeed a great assistance..
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