Is Ultimate Retirement Loophole A Scam? The Truth [Exposed]

The Ultimate Retirement Loophole is site the make the audacious claim to help retirees to pull in a minimum of US$1,500 per month, every single month and is incredibly easy and simple to do. 

And this was all discovered by Nate Rifkin. Who tells the world that he is an ex-employee of financial newsletter publisher Agora Financial.

The reason he is "apparently" an ex-employee is due him being confrontational in regards to this very retirement loophole. 

I just have one problem with that....

It's bullshit!. 

Nate never was really, or should I say directly employed by Agora Financial he is (not was..but is) a freelance copywriter, currently still employed by Agora Financial. 

Just to mention it, this expert retirement loophole spotter has no background whatsoever in finance, tax, law or anything at all that would suggest he has the education, experience or knowledge to spot such a loophole. 

At the beginning of the website your are warned of the transcript of his "imaginary" conversation with his boss might cause offence to some...

...That's just clever copywriting, laying down a marketing hook to keep you on the site longer and more engaged in the material. 

Kind of dumb though, all you need to do is lift your eyes to the address bar and see that it is hosted on Agora's own website. 

As if they will host something that exposes them and shed's them in poor light!. 

Straight off the bat I've caught Nate in 2 or 3 lies - I'll let him off with the Employed by Agora Financial one as I can't prove my suspicions that he is actually a freelancer. 

What is going on here? 

Well, all this "hula-Pa-lula" About "The Ultimate Retirement Loophole" is the entire site and pitch is exactly that - a sales pitch to get you hooked and baited into buying Agora Financial's Options Trading Program called Income On Demand by Zachery Scheidt - a bloke I appropriately nickname "Bull Schedit" due to his marketing tactics and exploits. 

Straight away you know there it a bit of bait and switch scam being deployed in the marketing. Baited by the "The Ultimate Retirement Loophole" and switched to Income On Demand. 

Let's dig down and find out about Income On Demand. 

Evidently this is not going to be a solid and reliable way of making money on a sustainable basis.

With Investment comes risk. 

My Top Recommendation will help you to make real money online in a sustainable fashion thanks to their proven method, system and first class training and far less riskier than investing. 

Options trading is even banned in some countries as it is seen as more of a form of gambling than actual investing. The European Union prohibits the commercial sale of options. 

In a simplistic term how options works is very simple the following video explains what they are very well. 

Sure there is money that can be made when trading options but is far from as easy as what you are being lead to believe in the sales videos. 

Investopedia in this article warn of significant risks. It certainly not a "guaranteed income". Not by a long shot. 

It is pretty evident options trading is very advanced and not for beginners at all. I do have to give some kudos to Agora Financial for being honest with how much you will need to start trading - they recommend US$20,000 as a minimum. 

Remember with stock trading if a trade goes badly you can sell the stock and get back some of your money with options trading you will lose it all.  

Which comes back to the gambling analogy - win some money or lose it all - really like betting on a stock or commodity price!.  

In a word no!

A product does not get accredited by the Better Business Bureau as rightfully they are not seen as or viewed as a business in their own right.

However, we can check out the publisher, Agora Financial, and see how they are rated.

Agora Financial are not accredited by the BBB and hold a status of NR. 

There are a lot of complaints about Agora financial. 

To put it plainly they have a horrible reputation. The number of complaints at the Better Business Bureau is measured in the hundreds which tells its own story!.

Really good question. As far as their business practices go there are a number of deplorable complaints that are very concerning including: 

• Bad trading advice - (more on this later).
• Not refunding erroneous payments
• Not honouring money back guarantees.
• Unsuspectingly "Backdooring" in subscribers by giving away a "freebie" only to charge a years subscription fee when the recipient of the product does not cancel inside 30 days.

Bad Trading advice

In 2003 Agora Financial and Porter Stansberry, of Stansberry Research, a subsidary of Agora Financial, were accused by the SEC of intentionally providing fraudulent financial information in a newsletter published by a sister company of Agora Financial and profiting by over US$1m from the false information published. 

The courts found Porter Stansberry and Agora Financial guilty. That in my opinion, given the court charges makes Agora financial a Scam. 

Despite all there are some good points about Income on demand. 

• Written and edited by a genuine expert in the financial world
• Zach Is A real Person as opposed to being a fake persona.
• The editor of Income On Demand does have an incredible track record in the field of Options.

Nothing is ever perfect nor ever will be. There are some things that I don't like about Income on demand. 

• The Hyped up marketing and BS on the sales page.
• Options trading can be pretty dangerous and you could wave good bye to a lot of money. 
• Agora Financial's poor rating at the BBB.

While I am not going to completely dismiss out of hand a known trading strategy I doubt very much that a novice will just "waddle up on Wall street" and start profiting consistently with options trading with zero experience or knowledge at all. 

It is more likely that you will end up losing money. 

Income on demand, agora financial and The Ultimate Retirement loophole are all the same. 

The product is Income on demand, the publisher is Agora Financial and this "Ultimate Retirement Loophole" Is a plain and simple bait and switch - of which I already pointed out a few BS lies on that sales page. 

Rather than address the question of them being a scam or not - plenty of other review sites are saying so.

Instead, let me ask you this question - why would you trust an individual or company that has just plain old lied to you and mislead you, pulled and bait and switch on you?. 

That is the very reason I don't like financial newsletters or info products of this nature. They have already demonstrated they can't be trusted so why would I trust them with financial advice?  

Anything by Agora financial or any one of a number of their sister companies I don't trust due to the straight up BS marketing.

They break my trust straight away due to their own dishonesty and I don't trust them to be honest with their investment advice. 

You should n't either!. 

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In fact you can make money sharing any of your hobbies. Think of one. Just one. 

I'm willing to bet you can make money from it. You buy products and spend your money on your hobby, right? 

There are products being sold online?. 

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