But scams don’t grow because of technology or trading bots or “AI.” They grow because of people. People who know how to speak, how to reassure, how to inspire. People who know how to stand in front of a room and make strangers believe that the impossible is suddenly within reach.
This is the story of two of those people. A husband and wife who became the smiling faces of a global scheme. A power couple who helped build BG Wealth Sharing and DSJEX into a machine, and who now stand at the front of its next evolution — HQI Exchange.
This is the story of Richard and Sumana Chea.
The First Persona: 2014 & The Tax Expert
Long before BG Wealth Sharing, before DSJEX, before Salt Lake City stage lights, there was a man sitting in front of a screen in 2014, explaining tax strategies with the confidence of someone who wanted to be trusted.
This is the earliest trace of Richard’s public persona. On April 4, 2014, he uploaded a video titled “Tax Benefits” under the brand BTG 180.
In that video, he:
- Presents himself as a tax expert
- Speaks with authority about deductions and financial strategy
- Frames himself as someone who can “help families”
- Uses empowerment language to build trust
- Positions BTG 180 as a financial education brand
This wasn’t just a video. It was the beginning of a persona — a persona built on expertise, guidance, and mentorship. BTG 180 is the first documented moment where Richard steps into the role he will return to again and again:
The man who knows.
The man who teaches.
The man who leads.
ConnectPH Alliance: The First Major Red Flag
By October 14, 2018, Richard resurfaces, this time in a presentation for ConnectPH Alliance, a “community empowerment” program that promised wealth through unity, belief, and mentorship.
But our ConnectPH investigation revealed the truth:
- No real product
- No verifiable revenue
- A compensation structure dependent on consultant recruitment
- Emotional manipulation disguised as “mindset coaching” and helping orphans.
- Leaders framing skepticism as negativity
And there, on camera, is Richard — not confused, not hesitant, but confident. A presenter. A mentor. A man who knows how to command a room. The same persona from BTG 180, now repurposed for a new audience.
ConnectPH eventually collapsed quietly, as these schemes always do.
But Richard did not collapse with it.
He simply moved on.
Companies Tied to The Chea Household
One of the most revealing parts of any financial investigation is the paper trail — the official records that show where someone has been, what they’ve built, and how often they’ve walked away. In Richard Chea’s case, the business filings tell a story of a constant reinvention, short-lived ventures, and a pattern of entities tied to the same name, the same address, and the same cycle of activity.
Below is the Full List of known businesses associated with Richard Chea, organized chronologically, with their statuses and why they are attributed to him.
Same Day Express Cleaners, Inc
Filed: June 12, 2000
Status: Expired
Type: Domestic Profit Corporation (Utah)
Registered Agent: Richard Chea
Address: 4443 W 3980 S, West Valley City, UT 84120
This is the earliest known business tied to Richard. It shows him operating in Utah in as early as 2000, long before BTG 180 or ConnectPH Alliance. The filing lists him directly as the agent.
Green Valley Cleaners
Filed: July 11, 2005
Status: Expired
Type: DBA (Utah)
Registered Agent: Richard L. Chea
Address: 5142 W Blue Holly Court, West Jordan, UT 84081
This business uses the same home address that appears repeatedly in later filings. The name “Richard L. Chea” matches his full legal name.
Premier Drycleaners
Filed: December 9, 2005
Status: Expired
Type: DBA (Utah)
Registered Agent: Richard Chea
Address: 5142 W Blue Holly Court, West Jordan, UT 84081
Another dry-cleaning business tied to the same address and the same name. This shows a pattern of small service businesses registered under Richard’s name in the mid-2000s.
Finance 101 Inc.
Filed: August 4, 2011
Status: Expired
Type: Domestic Profit Corporation (Utah)
Registered Agent: Richard L Chea
Address: 5142 W Blue Holly Ct, West Jordan, UT 84081
Crown PCS, Inc.
Filed: June 24, 2019
Status: Active
Type: Domestic Profit Corporation (Utah)
Registered Agent: Richard Chea
Address: 5142 Blue Holly Ct, West Jordan, UT 84081
This is one of the few active companies still tied to Richard. It uses the same home address and lists him directly as the agent.
HBC Software & Ventures, LLC
Filed: April 13, 2021
Status: Forfeited Existence (Texas)
Registered Agent: Christian Hall
Address: 5142 W Blue Holly Ct, West Jordan, UT 84081
Listed Role: Richard Chea — Managing Member
Even though the registered agent is someone else, the filing explicitly lists Richard Chea as a managing member, and the address is again the Chea residence. This shows his involvement in a tech-sounding venture, a pattern that aligns with later “AI trading” narratives in BG Wealth Sharing.
Reform 90 LLC
Filed: September 19, 2022
Status: Active
Type: Domestic LLC (Utah)
Registered Agent: Richard Lay Chea
Address: 5142 Blue Holly Ct, West Jordan, UT 84081
This is the second active business tied to Richard. The name “Reform 90” is vague, but the filing confirms his direct involvement.
A Noticeable Pattern
When you look at these businesses chronologically, a story emerges:
- Early 2000s: Small service businesses (cleaners, dry cleaning)
- 2011: First financial-education brand (Finance 101 Inc.)
- 2014: BTG 180 — the tax-expert persona
- 2018: ConnectPH Alliance — recruitment-based wealth program
- 2019-2022: New LLCs and corporations
- 2025-2026: BG Wealth Sharing, DSJEX, and now HQI Exchange
It is a two-decade pattern of:
- Reinvention
- Persona-building
- Financial education branding
- Recruitment-based programs
- Short-lived ventures
- New entities appearing as old ones expire
This business history aligns perfectly with the trajectory that led Richard and Sumana into BG Wealth Sharing, DSJEX, and now HQI Exchange.
Sumana Chea: The Hustling Wife
Before BG Wealth Sharing ever entered the picture, Sumana Chea already had a real career — a legitimate, verifiable profession that gave her credibility long before she stepped onto a stage or appeared in a recognition post.
Sumana Chea is, by all public records, a long-time independent travel agent with TravelMakers, a reputable host agency. Her TravelMakers profile is real. Her credentials are real. Her work in the travel industry predates BG Wealth Sharing by nearly a decade.
And that matters because it made her look safe.
When Sumana entered BG Wealth Sharing, she didn’t look like a scammer. She looked like a woman with a real business, a real client base, and a real reputation. She looked like someone who had earned her success — someone you could trust.
And that’s exactly how she entered the BG Wealth ecosystem: quietly, early, and with credibility.
She appears in BG Wealth recognition posts months before Richard ever shows up. She climbs the ranks quickly. She becomes a familiar name in the community. She builds a downline. She becomes one of the early “success stories.”
Sumana was the first Chea to step into BG Wealth Sharing — and she laid the foundation that Richard later built upon.
But her travel career has another layer, one that raises questions.
Neptune Travel Advisors LLC, The Quiet Second Business
Alongside her public TravelMakers work, there is another travel business tied to the Chea houshold:
Neptune Travel Advisors LLC
Filed in Utah, using the Chea family home address, a travel-related name, no website, no social media, no public-facing activity and no visible operations. On paper, it looks like a travel agency. In reality, it looks like a ghost company.
While we cannot say with absolute certainty that Sumana operated the Neptune Travel Advisors LLC business, the circumstantial evidence is strong:
- The address is theirs.
- The industry is hers.
- The pattern matches their other filings.
At minimum, Neptune Travel Advisors is tied to the Chea household. At maximum, it may have been a secondary or parallel travel entity — one that never fully launched, or one that served a purpose other than traditional travel planning.
Either way, it fits the broader pattern: a family comfortable creating businesses, dissolving them, and creating new ones as needed.
Sumana’s role in BG Wealth Sharing is often overshadowed by Richard’s louder, more polished presence. But the truth is simple:
She got there first.
She built the early credibility.
She made the community feel safe.
Her legitimate travel career gave her a level of trust that many early recruits relied on. Her early involvement helped normalize the scheme. Her presence made BG Wealth look less like a scam and more like an opportunity.
And once Richard stepped in — once he became the voice, the presenter, the host — the two of them became a power couple inside the BG Wealth ecosystem.
Sumana opened the door. Richard held it wide. And together, they helped usher hundreds — maybe thousands — into BG Wealth Sharing, DSJEX, and now HQI Exchange.
The Cheas Inside BG Wealth Sharing & DSJEX
By the time BG Wealth Sharing hit its peak, Richard and Sumana Chea were no longer just participants — they were part of the engine that kept the entire scheme running. Their rise inside the organization was fast, visible, and deeply influential.
Sumana entered first, months before Richard ever appeared on camera. She climbed the ranks quickly, showing up in recognition posts, building a downline, and becoming one of the early “success stories” that BG Wealth used to lure in new recruits. Her legitimate travel career made her look safe, reliable, and trustworthy — the perfect early recruiter.
But when Richard stepped in, the tone shifted. He didn’t show up as a beginner. He showed up as the voice.
In December of 2025, at a Hawaii event, Richard delivered a polished, confident presentation explaining the so-called “AI trading,” the compensation plan, and the vision of BG Wealth Sharing. He spoke like someone who had been doing this for years — because he had. From BTG 180 to Connect PH Alliance, Richard had spent a decade building a persona of authority, mentorship, and financial expertise. BG Wealth was simply the next stage.
By early 2026, both Richard and Sumana had reached Level 7, one of the highest ranks in the organization. BG Wealth framed Level 7 as a prestigious achievement, but in reality, it was nothing more than a recruitment rank — a measure of how many people you brought in and how much money your downline deposited. Level 7 didn’t mean expertise. It meant influence. And the Cheas had plenty of it.
Their influence became undeniable in mid-April 2026, when Richard hosted the BG Wealth Sharing conference in Salt Lake City, Utah. He wasn’t a guest speaker. He wasn’t a participant. He was the host, opening the event, setting the tone, introducing Gagan Sarkaria, and even announcing a ribbon-cutting for a “consultant firm” supposedly tied to BG Wealth’s founder, Stephen Beard.
But Stephen Beard does not exist. He is a fabricated persona, a ghost CEO created to give BG Wealth a corporate face. And there was Richard, standing on stage, presenting that fiction as fact.
This wasn’t accidental involvement.
This wasn’t confusion.
This was leadership.
And while Richard was hosting events and presenting the “AI trading” narrative, DSJEX — the offshore, unlicensed trading platform behind BG Wealth — was quietly draining the victims’ deposits. Regulators in Hawaii eventually issued a cease-and-desist order against BG Wealth promoters for misleading investors with promises of guaranteed returns.
The Cheas were Level 7 during this period.
They were presenters.
They were hosts.
They were recruiters.
They were part of the machine.
The Next Phase: HQI Exchange
When DSJEX began to collapse and withdrawals froze, a new name suddenly appeared: HQI Exchange.
Victims were told:
- “Membership is free.”
- “But you need to pay $100 to activate your account.”
- “They will move your BG Wealth funds over.”
- “This is the next phase.”
- “Stay loyal to the community.”
HQI Exchange (HQIEX) is, in every meaningful way, a rebrand of DSJEX:
- Same structure
- Same “click a button to earn” model
- Same unlicensed offshore setup
- Same recruitment-based payouts
- Same promises of “AI trading”
- Same funnel, new name
It is a Ponzi migration, plain and simple. This is a tactic used to keep victims from walking away by giving them a new platform to hope in.
And now, according to multiple sources: Richard Chea is leading the charge into HQI Exchange.
The same man who hosted the Salt Lake City event.
The same man who introduced Gagan Sarkaria.
The same man who promoted the fake Stephen Beard consultant firm.
The same man who stood on stage as a Level 7 leader.
The same man who helped build BG Wealth Sharing and DSJEX into a global funnel.
He is now helping usher victims into the next phase.
The pattern continues.
The funnel evolves.
The faces stay the same.
A Shut Down Firm
On May 29, 2026, KSL News Utah posted a News Segment to the public about BG Wealth Sharing and DSJEX. In it, he shows an office in Salt Lake City, allegedly run by a Consultant Firm owned by BG Wealth Sharing shut down.
As you can see in the picture below, a note is left on the door stating:
“Attention
BG Wealth Sharing Members
We are waiting for West Jordan City Business License approval. Thank you for your understanding.”
Based on the images shown in the broadcast, we have confirmed this is Richard Chea’s BG Wealth Sharing Consultant Firm. It is just a building with a note on the door now.
We will provide an update as we find out more information in future.
A Call For Accountability
If you were affected by BG Wealth Sharing, DSJEX, or HQI Exchange — or if you live in Utah, where the Cheas are based — please report Richard and Sumana Chea to the Utah Division of Consumer Protection.
Utah has already issued a Fraud Warning about BG Wealth Sharing. At the bottom of the warning is a Survey you can fill out to share your story. Or you can contact the Division of Consumer Protection directly.
Your report matters.
Your voice matters.
Your action could help protect someone else.
Scams grow in silence.
They end when people speak.
By Beth Gibbons (Queen of Karma)
Beth Gibbons, known publicly as Queen of Karma, is a whistleblower and anti-MLM advocate who shares her personal experiences of being manipulated and financially harmed by multi-level marketing schemes. She writes and speaks candidly about the emotional and psychological toll these so-called “business opportunities” take on vulnerable individuals, especially women. Beth positions herself as a survivor-turned-activist, exposing MLMs as commercial cults and highlighting the cult-like tactics used to recruit, control, and silence members.
She has contributed blogs and participated in video interviews under the name Queen of Karma, often blending personal storytelling with direct confrontation of scammy business models. Her work aligns closely with scam awareness efforts, and she’s part of a growing community of voices pushing back against MLM exploitation, gaslighting, and financial abuse.
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