They call it World Financial Group—but after everything I’ve seen, I call it something else entirely: a stealthy, fast-talking, multi-level deception machine. This isn’t financial education. This isn’t entrepreneurship. This is predatory marketing disguised as opportunity.

As The Crypto Ponzi Scheme Avenger, I’ve infiltrated crypto cults, MLM pyramids, and Ponzi schemes galore—but WFG is a slippery one. It wears a suit. It hides behind respected names like Transamerica. And it operates with cult-like secrecy that would make Scientology blush.

It started like so many of these traps do. Someone I knew said, “Hey, there’s this amazing opportunity. Just hop on a Zoom call, it’ll be worth your time.” That Zoom call turned into a surreal circus. Smiling faces, vague promises, emotional testimonies. I asked for a link to another session, and instead of a reply, I got stonewalled: “Go back to the person who invited you.” Classic MLM deflection. They’re not selling products—they’re selling a system. A structure that only exists if new victims are pulled in. That structure is the product.

WFG runs on what I call the “referral stranglehold.” You cannot even sign up on their website without a referral code. That alone tells you everything. No one stumbles into WFG—you must be brought in. Groomed. Sold to. Controlled.

When I signed up (under the name Randy Schnoodlsmoith, for investigation purposes), they handed me a stack of digital documents faster than a timeshare trap in Vegas. Sales Representative Agreement. Background check waivers. Non-refundable fee forms. And yes, even a W-9. They want your money before you make any. They want your identity before they give you a single client.

The documents make it clear: WFG reps are not employees. You are an unpaid recruiter with zero protections. You must pay $125 just to access their so-called platform—and that doesn’t include the insurance licensing fees, training costs, or other hidden expenses they conveniently fail to mention in Zoom calls.

And here’s the twist: they pretend it’s about financial empowerment. They wave around terms like “entrepreneur” and “business owner” but you’re not selling a product—you’re selling a dream, and dragging your family into it with you.

In one of our embedded videos, a YouTuber actually infiltrated a WFG event. He was sold rags-to-riches stories, sat through shallow sales scripts, and watched as 100 attendees clapped at every mention of someone hitting a revenue milestone. He exposed fake plaques on the wall, questioned the logic of their math, and finally got kicked out. Their response? Lie. Deny. Call the police. When confronted, their rep literally ran and hid inside the building. That’s not entrepreneurship—that’s scam culture with a customer service hotline to nowhere.

And this video features the main promoters of this so-called opportunity: Dr. Oscar Atumah, Chizoba Akachukwu, Andrew Egbuchulem, and Eric Dotson. These are not background players — they are front and centre, leading the charge, pitching the same tired script under the veil of secrecy. You will hear them speak. You will see the manipulation unfold. They are the public faces of this private scam.

Oh, and if you want a refund? Good luck. According to their own refund policy, you have 60 days, they’ll deduct $10, and any commission (even a cent) voids your eligibility. And it’s “at their sole discretion.” Translation: you’re not getting it back.

And just when you think it can’t get more dystopian, WFG pulls the “background screening” play. You sign away rights to let them dig into your life—your criminal record, credit history, employment, and more. They can do it any time while you’re under contract. All while you’re paying them. This is surveillance capitalism wrapped in a business-casual dress code.

But here’s what truly sets WFG apart: their new weapon is secrecy. These people don’t want you to know what they do. They don’t send open invites. They don’t post public schedules. They insist you have a personal chaperone. And if you challenge them publicly, they hide, then call the cops.

I’ve recorded two Zoom meetings already. I’ve signed the forms. I’ve seen the playbook. It’s not a financial education company—it’s a pyramid scheme dressed in a suit. The victims are everyday Americans looking for a better life. The perpetrators? Smiling agents who probably haven’t read the fine print themselves.

World Financial Group is not just another MLM. It’s an MLM wearing a mask. It wants your money, your friends, your privacy, and your silence.

The deeper you go, the more it resembles a cult — complete with belief systems, mantras about freedom, loyalty to uplines, and an unwavering push to recruit more “believers.”

I refuse to stay silent.

—Danny de Hek
The Crypto Ponzi Scheme Avenger

About the Author Danny de Hek, also known as The Crypto Ponzi Scheme Avenger, is a New Zealand-based investigative journalist specializing in exposing crypto fraud, Ponzi schemes, and MLM scams. His work has been featured by Bloomberg, The New York Times, The Guardian Australia, ABC News Australia, and other international outlets.

Stop losing your future to financial parasites. Subscribe. Expose. Protect.

My work exposing crypto fraud has been featured in: