Hubby and I just finished our first 3 day Seminar in Houston with this group and I can say we are very impressed with the information we received. I honestly believe we can be successful with the amount of information we are being given. The cost is relative , like anything else in life , you have to pay for education. The systems Nick has established are honest, straightforward and easy to follow. I do not regret one penny that it costs to finish this adventure and believe it to be the best investment we could make in our retirement . I highly recommend this company and its integrity.