YOUR INVITATION TO APPLY - A MILLIONAIRE EXPERIMENT

Be Part of an Exclusive EXPErIMENT HOPING to Create 100 Millionaires Faster Than Ever Before!

A Groundbreaking, Live Membership Program Starting March 2025

Step into a transformational journey with Ashley Gilbert, (CEO of Financial Coaching Institute LLC) and a small, dedicated group committed to mastering the art of wealth building.

WHO IS THIS FOR?

This program is for ambitious individuals ready to take control of their financial futures. With a $7,000 initial investment of earned income, you’ll learn, trade, and grow alongside others in this one-of-a-kind financial experiment.

WHAT YOU'LL GET:

Up to 60 Days of Education Before We Begin: Dive into comprehensive training starting January 2025 to prepare for successful trading.

Step-by-Step Setup Support: From account creation to platform guidance, we’ve got you covered.

Live Trades Begin March 2025: Begin trading under Ashley’s mentorship with all tools and strategies provided.

Ongoing Mentorship and Community: Work alongside Ashley and a carefully selected group, capped at 200 participants per group.

IMPORTANT THINGS YOU NEED TO KNOW:

Initial Investment: $7,000 in earned income, placed in a Roth account.

Account Setup Requirements: Apply for a Tier 3 Schwab Brokerage Account (credit check may be needed). Ashley recommends the Think or Swim trading platform.

Monthly Fees (Starting March 1st 2025 or the 1st of the month following your successful application):$200/month, increasing as your account grows:+$100/month for every additional $100,000 earned, capped at $1,000/month for accounts over $800,000.

Upon reaching $1M, you’ll graduate, freeing up space for new participants.

BONUS BENEFITS:

Two Free Trades Annually: Use them anywhere, outside the experiment, as a thank-you for honoring the program's trading exclusivity.

Priority Waitlist Access: Can’t join this round? Stay on the waitlist and remain an active CFO Society member to secure access to the bonus benefits.

important rules:

Trading Exclusivity: Trades must be done only within your agreed Roth account. Breaking this rule leads to immediate ejection.

Minimum Activity: You must complete at least one trade per quarter to retain membership.

Cancellation Policy: Cancel anytime with three business days' notice. The deadline to withdraw before we begin is February 25, 2025. After that you can withdraw and future payments will end but no refunds will be given of membership payments already made.

"This experiment is about more than making money—it's about creating a movement of empowered investors who understand how to grow and manage wealth responsibly. I’ll be with you every step of the way, trading alongside you in my own Roth IRA to ensure your success." - Ashley Gilbert, CEO

APPLY NOW

A Millionaire Experiment

An Experiment to Reimagine Wealth Creation

We are now accepting applications to A Millionaire Experiment, a unique membership designed to transform your approach to retirement investing. Our goal is simple but bold: provide trade ideas in hopes you can grow your Roth IRA with after-tax dollars, aiming for a life-changing $1 million balance.

Why a Roth IRA?

We chose the Roth IRA because contributions grow tax-free, and qualified withdrawals in retirement are income-tax-free. You must have earned income and pay taxes on the contributions. Unlike traditional 401(k)s or IRAs, where Uncle Sam takes a cut, every dollar in your Roth IRA can be yours by following the distribution laws and rules.

For those applicants whose income exceeds the current income limits, if approved for the experiment, step-by-step directions will be provided in a whitepaper explaining the backdoor Roth IRA method. This method makes everyone with earned income eligible.

Membership Details

  • Eligibility: Members must have earned income to contribute to a Roth IRA. There are no age restrictions.

  • Spousal Contributions: Non-working spouses may contribute through a spousal IRA. Eligibility Rules: To open a spousal IRA, you must, be married, file a joint tax return, have extra income in the household. The total contributions to your IRAs cannot exceed the taxable income reported on your joint return.

  • Self-Employment: Self-employed individuals are eligible to contribute based on their income.

  • Funding Requirements: Members must fully fund their Roth IRA ($7,000 if under 50, $8,000 if 50 or older) at the beginning of each tax year, ideally on January 2, 3, or 4, depending on the holiday schedule. For 2025, funds need to be available on March 1st.

Note: For those using the backdoor Roth IRA method, conversions may take up to two weeks for funds to become available.

Membership Structure and Benefits

  • Monthly Membership Fees:

    • $200/month for balances up to $99,999.

    • $300/month for balances between $100,000 and $199,999.

    • Increments of $100 for every additional $100,000 until capping at $1,000/month.

    • Note: Fees are based on your contributions and potential growth of the account from the membership's trade ideas (and not existing balances).

  • Milestone at $1 Million: Once you reach a $1 million balance based on your contributions and growth, you will "complete the experiment" and make room for a new participant. Upon graduation from the experiment, your monthly membership fees with cease based on 10 business days’ notice before the 1st of the following month. 

  • Exclusive Trade Ideas: Members receive trade ideas via email and text (carrier rates may apply), matched to their investing personality and risk tolerance. There are limited spots available for each personality/risk profile. Once filled, you may be put on our waitlist.

  • Risk Warning: Members are responsible for placing trades and managing their accounts. Losses can occur to the extent of the full investment and all membership fees, and past performance does not guarantee future success.

Examples:

  • jhfjshjh

  • dgadga

  • adgadgad

Expectations for Members

  • Trade ideas are sent in "black-box" format: you’ll receive instructions on how to enter, adjust, and close trades and will not receive an explanation of the underlying strategy or reasons for the trade.

  • Trades must only be executed in the designated Roth IRA account.

  • Members must provide regular balance updates to help track progress. Details to follow upon acceptance into the experiment.

  • Sharing trade ideas outside the membership is prohibited. Violations may result in removal, legal resolution, and complete termination of the experiment.

  • Members are expected to follow Schwab’s Roth IRA requirements and try to secure Level 2 options trading access (which may include a credit check). Members must be approved for at least Level 1 to participate in the experiment. If your application is accepted with Financial Coaching Institute, LLC, but declined for at least Level 1, then you will not be able to join the experiment. 

  • Here are some other notable rules from Schwab: to apply for IRA margin and Spreads (Level 2) with Charles Schwab, you must meet the minimum account equity requirement of $25,000. This balance can be made up of cash, marginable security positions, sweep money market funds, or a combination of these. You also have to get approved for limited margin. There is no equity requirement for Level 1. 

Contingency Policies

  • Experiment Closure: We reserve the right to close the experiment at any time. If the membership closes mid-month, you will not be billed for the following month, but refunds for the current month will not be issued.

  • Cancellation: Members may cancel their membership at any time but will not be invited to rejoin.

Commitment to Self-Discipline and Success

This journey requires patience, commitment, and a willingness to trust the process. We understand that not every trade will yield a profit, and you may face setbacks. 

Additional Resources

If you’re not selected for the experiment, we offer:

  • Rewire for a Wealthy Brain Course: Empower your financial mindset and habits.

  • CFO Society Membership: A premium community for ongoing financial education.

  • Win-Win Investing Course: Learn strategies for investing in up or down markets.

Disclaimers:

This program is for experimental purposes only and does not constitute financial advice. While we provide trade ideas, it is the participant's responsibility to execute these trades, including adjusting or taking losses on trades. The experiment does not guarantee profits and carries significant risk, including the potential for loss of membership fees and all investments.

Although our team may answer general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication from our team should be deemed as personalized financial advice.

We allow our contractors, creators, and consultants to trade securities that they may hold themselves as a paying member of our membership. However, our policy prohibits any exit from a personal trade (before the rest of the membership has been told), especially while a trade to members is still open. They must wait until subscribers have had a fair opportunity to exit or adjust based on the receipt of a closing or adjusting trade idea's communication. The waiting period may also depend on the type of guidance or adjustment. We have a "do not trade list" of individual stocks, based on what is deemed insider knowledge. Since we will be placing all trade ideas in our business account, our trades will never use a stock from this "do not trade" list. 

Note on Risk: Options plays can be volatile, and all involve considerable risk. Although these ideas are well-researched, nothing is guaranteed. Investing involves risk. Since this is an experiment, don’t bet your mortgage/rent/grocery money here. Remember, it’s up to you to decide to execute the trade. Please be sure to use emergency exits when provided and set up alerts, and don’t put all of your money into one trade.

According to Schwab:

To apply for Spreads (Level 2), you must: 

1- Review and accept the terms of the Trading Options Spreads in your IRA Authorization Agreement

2- Return the completed Agreement to Schwab

3- Have each individual who is authorized to trade in the IRA account sign the Agreement

You can't use margin in your IRA to borrow funds or maintain a debit balance. If your account equity or cash balances drop below the minimums, you must immediately deposit, sell securities, or transfer assets to meet the requirements.

You must agree to our terms and conditions to submit an application.

This program is committed to protecting and respecting your privacy. Please read our Privacy Statement.

© 2025 Financial Coaching Institute, LLC. All Rights Reserved. This program may only be used pursuant to the experiment's membership agreement, and any reproduction, copying, or redistribution of trade ideas, in whole or in part, is strictly prohibited by Financial Coaching Institute, LLC. You are trading at your own risk.

FAQ for A Millionaire Experiment Application

Overview of A Millionaire Experiment

1. What is A Millionaire Experiment?
A Millionaire Experiment is a unique membership program designed to provide participants with trade ideas to help grow their Roth IRA accounts using after-tax dollars, aiming for a $1 million balance.

2. Why is the Roth IRA chosen for this experiment?
Roth IRA contributions grow tax-free, and qualified withdrawals in retirement are income tax-free. This allows participants to keep every dollar they earn in the account if they follow distribution rules.

3. What if my income exceeds Roth IRA income limits?
If you exceed the income limits, you can still participate by using a backdoor Roth IRA. Step-by-step directions will be provided in a white paper if your application is approved.

4. What are the two main steps to participate?

  • Complete the Application for A Millionaire Experiment: This includes providing required information and verifying your eligibility.

  • Open and Max Fund a Schwab Roth IRA: You must open a Roth IRA account with Schwab, fully fund it based on your eligibility ($7,000 if under 50 or $8,000 if 50 or older), and secure at least Level 1 options trading access using the Think or Swim platform.

Note: Failing to complete either step can prevent you from participating in the experiment.

Membership Eligibility and Details

5. Who is eligible to apply?

  • Individuals with earned income, regardless of age

  • Non-working spouses (through spousal IRA contributions)

  • Self-employed individuals based on their income

6. What are the spousal contribution rules?
To open a spousal IRA, you must:

  • Be married and file a joint tax return

  • Have sufficient taxable income in the household

  • Ensure total contributions to both IRAs do not exceed the taxable income reported

7. What if both my spouse and I want to apply?

Both you and your spouse must submit separate applications, pay individual membership fees, and complete all conditions and terms independently. Each person must commit to not sharing trade ideas, instructions, or account details with each other. Additionally, you and your spouse may be placed in completely different risk profiles or experimental groups based on your individual applications and preferences.

8. What are the funding requirements for the Roth IRA?
You must fully fund your Roth IRA at the beginning of the tax year:

  • Current contribution limits: $7,000 if under 50,

  • $8,000 if 50 or older

Funds should ideally be available on January 2, 3, or 4 (depending on holidays). For 2025, funding is required by March 1.

Membership Fees and Structure

9a. What is the membership fee structure?

  • $200/month for balances up to $99,999

  • $300/month for balances between $100,000 and $199,999

  • Increases by $100 for every additional $100,000 until capping at $1,000/month

Fees are based on your contributions and account growth from trade ideas, not existing balances.

9b: How much could I lose including my membership fees in 3 years?

  • Your entire investment.....

10. What happens when I reach a $1 million balance?
Once your Roth IRA balance reaches $1 million due to the experiment’s trade ideas, you "graduate" from the program, and your membership fees stop. You must give 10 business days' notice before the 1st of the following month.

Trade Ideas and Program Rules

11. How are trade ideas delivered? Will the trade ideas include explanations?
Trade ideas are sent via email and text message (standard carrier rates may apply).
No. Trade ideas are provided in a "black-box" format with instructions for entering, adjusting, and closing trades, without disclosing the underlying strategy.

12. Can I place trades outside of the experiment?
Yes, but only with funds unrelated to the program's contributions or earnings. The trades in your Roth IRA related to the experiment must follow the program’s guidelines.

13. What is expected from participants?

  • Execute trades in the designated Roth IRA account

  • Provide regular balance updates

  • Follow all Schwab trading requirements & laws

Account Setup and Access Levels

14. Do I need a Schwab Roth IRA account?
Yes. You must set up a Schwab Roth IRA and use the Think or Swim trading platform.

15. What options trading level is required?

  • Level 1: Minimum requirement to participate

  • Level 2: Recommended for participants with balances of $25,000 or more

16. How do I apply for Level 2 options trading access?
You must:

  • Have a minimum account equity of $25,000

  • Accept Schwab’s Trading Options Spreads in Your IRA Authorization Agreement

  • Obtain approval for Limited Margin

  • Wait to apply until contigentely accepted in the experiment. Training to follow.

17. What if I’m denied Level 1 access?
You won’t be able to participate in the experiment without at least Level 1 access.

Risk and Legal Disclaimers

18. What are the risks of this program?
All investments carry risk, and there is no guarantee of profits. Losses may include the full amount of your contributions and membership fees.

Examples:

  • fsfsfssfsf

  • sfsfssfsf

19. Are the trade ideas guaranteed to be successful?
No. While trade ideas are well-researched, success is not guaranteed. Options plays can be volatile and should not be funded with money meant for essentials like rent or groceries.

20. What happens if the program closes?
If the experiment closes mid-month, you will not be billed for the following month. However, refunds for the current month will not be issued.

Additional Resources

21. What resources are available if I’m not selected for the experiment?
You can still access:

  • Rewire for a Wealthy Brain Course: A course to empower your financial mindset and habits.

  • CFO Society Membership: A premium community for ongoing financial education.

  • Win-Win Investing Course: A course that teaches strategies for investing in both up and down markets.

Privacy and Conduct

22. How is my personal information used?
Your information is used solely for administering the program and is protected according to Financial Coaching Institute, LLC’s privacy policy.

23. Can members or staff trade the same securities as participants?
Yes, but they cannot exit their personal trades before members are notified of closing or adjusting a trade. Our team adheres to a strict "do not trade" list for individual stocks.

Contact and Communication

24. How will I receive program updates?
You will receive updates via email or SMS. It’s your responsibility to ensure your contact information is current.

25. Who can I contact if I have questions?
General customer service questions can be addressed, but our team cannot provide personalized financial advice. Ashley@financialcoachinginstitute.com

26. Is there a relationship between A Millionaire Experiment and Schwab?
No, there is no relationship, partnership, or affiliation between A Millionaire Experiment and Schwab. Schwab does not endorse or manage this program in any way. Participants are responsible for setting up and managing their Schwab Roth IRA accounts independently.

We will never ask for your password to your Schwab account, and the program will not include trades involving Schwab stock.

27. How long after submitting my application will I find out if I’m accepted?

Applications are reviewed in batches, and the process could take up to a month. Acceptance is contingent upon meeting the Schwab account requirements, including opening and funding a Roth IRA with at least Level 1 options trading access. You will be notified of your status once the review is complete.

28. What happens if I am placed on the waitlist?

If all spots for your investing personality or risk profile are filled, you may be placed on the waitlist. Being waitlisted means you will be notified if a spot becomes available. Applicants are placed on the waitlist in the order their completed applications are received. Waitlist times can vary, and acceptance is not guaranteed. However, you will have the opportunity to join as soon as a spot opens up for your profile. Further instructions will be provided upon notification of your waitlisted spot.

You must agree to these terms and conditions. Please read them carefully and consult financial and tax professionals should you have any questions:

Terms and Conditions for A Millionaire Experiment Application

By submitting your application to A Millionaire Experiment, you agree to the following terms and conditions:

  • Confidentiality of Trade Ideas:

    • All trade ideas shared through this experimental program are for your personal use only. 

    • You agree not to share trade ideas, instructions, or related information with any third parties, including a spouse, friends, and family.

    • Unauthorized sharing of trade ideas may result in immediate termination of your membership, legal resolution, and termination of the experiment.

  • Acceptance of Communication Methods:

    • You consent to receive trade ideas and program updates via email and SMS.

    • Standard carrier rates may apply for SMS messages.

    • We are not responsible for communication errors, outages, or spam with providers or third-party companies.

    • You are responsible for ensuring your contact information is up to date as well as your membership payment method.

  • Execution of Trades:

    • Trade ideas provided are for informational purposes only and must be executed by you.

    • The Financial Coaching Institute, LLC does not execute trades on your behalf.

    • You acknowledge that you must open and fund your Schwab Roth IRA account and obtain at least Level 1 options trading access through the Think or Swim trading platform.

  • Risk Acknowledgment:

    • You acknowledge that all investments carry risk and that there is no guarantee of profits.

    • Losses, including loss of all the principal and membership fees, are possible.

    • You agree to not place all your funds into a single trade idea.

    • You agree to participate in at least two trades ideas per year.

  • Commitment to Participation:

    • You agree to provide regular balance updates as requested to track your progress.

    • You will not place additional trades in the designated Roth IRA account with the experiment’s principal or earnings that are unrelated to the program’s trade ideas. Other money previously funded inside your account is yours free to trade with anything you want, except for using those funds to trade the ideas from the experiment.

  • Program Conduct:

    • You agree to follow all instructions, adjustments, and guidelines provided in the trade ideas.

    • Any form of disruptive behavior, dishonesty, or failure to comply with program policies may result in termination of membership up to legal resolution and consequences.

  • Schwab Account Requirements:

    • You agree to set up a Schwab Roth IRA account and use the Think or Swim trading platform. If using the backdoor Roth method, you will also need to set up a Traditional IRA as well.

    • You agree to apply for Level 2 (which may require a credit check, agreeing to limited margin, and a $25,000 account balance – which applies to existing accounts or converted funds). If you do not qualify for Level 2 options trading access, your ability to participate in certain trade ideas may be limited.

    • You agree to apply for Level 1 at a minimum. You must qualify for Level 1 options trading access in order to participate in the experiment. Should your account balance grow to $25,000 or more, you will alert us, and we may ask you to apply for Level 2.

    • You understand Schwab is not affiliated with this program and does not endorse or manage it in any way.

  • Membership Fees and Payments:

    • You agree to pay the applicable monthly membership fee based on your portfolio balance. Should a dip occur, you will remain at that membership fee level until the next threshold is reached.

    • Membership fees are always non-refundable, even if you decide to leave or reach the $1 million milestone on the 2nd of the month. 

    • If the experiment closes, you will not be billed on the 1st for subsequent months.

  • Program Updates and Changes:

    • The Financial Coaching Institute, LLC reserves the right to update or modify the program, including closing the experiment at any time.

    • You will be notified of any major changes that impact your participation.

  • Termination and Reapplication:

    • You understand that if you leave the program or are removed due to non-compliance, you will not be eligible to reapply.

  • Privacy and Data Protection:

    • Your personal information will be used solely for the purposes of administering the program.

    • The Financial Coaching Institute, LLC will protect your data in accordance with its privacy policy.

  • Legal Compliance:

    • You agree to comply with all applicable laws and regulations related to trading and investments.

    • You agree to comply with all applicable laws and regulations related to your Schwab Roth IRA brokerage account, Schwab Traditional IRA brokerage account, and use of the Think or Swim Trading Platform.

    • Any misuse of the program or illegal activity will result in immediate removal and may have legal consequences.

By proceeding with your application, you acknowledge that you have read, understood, and agree to these terms and conditions.

Application Information

As part of your application, please provide the following information:

Country

I Consent to Receive Email an SMS Notifications, Alerts from Financial Coaching Institute. Message frequency varies. Message & data rates may apply. You can reply STOP to unsubscribe at any time but you may not receive important information relating to trades.

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Hi there! I'm Ashley.

Since 2007, I have been working with folks to brighten their financial future! As a former financial advisor, brain coach, and now founder of The Financial Coaching Institute, I have been helping clients in virtually every financial aspect you can think of.

From saving and spending, to investing, money mindset, retirement planning, automating, educational planning, personal development, caregiving, estate planning, trading business development, masterminding, family offices, and so much more!

And through it all, I have discovered the subtle nuances that make a BIG difference in the success of the few that thrive vs. the majority that sputter.

That is why I was hired to help others!

I have not only been coaching and teaching it, but I have actually also been using these strategies. I have made lots of mistakes, but I have also done most things thoughtfully, prudently, and successfully. And through it all, here is the most important discovery I can share with you…

Here's ANOTHER QUICK OVERVIEW everything you get with Rewire FOR A WEALTHY BRAIN

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