Explode Your Retirement Wealth - Without Stock Market Risks or Qualified Plan Access Restrictions!

And SIMULTANEOUSLY pay off ALL your debts using the SAME money that's building your retirement wealth!

Our Flagship Training/Coaching

The SMART Wealth System

  • Why: 

    Because Middle-Class Americans are being financially CRUSHED!

    According to study after study, and our own market research, More than 90% of middle-class Americans are doomed to never be able to completely retire...at least not at anything approaching their working lifestyle. They are buried in debt, including student loans, and they're taking on more debt to raise a family and put their kids through school.  


    Surprisingly, it doesn't matter how much money they make. Their spending...AND THEIR DEBTS...are proportional to whatever income they bring home. They're on different sized treadmills...but they're almost ALL on a treadmill.


    They're being squeezed by the banks and the government.


    Banks bleed the middle class with MONTHLY interest costs of 40% to 50%!!!


    Read that again. If you accurately calculate the percentage of your total monthly debt payments going to interest charges, it averages 40% to 50% a MONTH, regardless of what interest RATES the debts charge.


    And then - if you're like most Americans - when you can't figure out how you'll ever get ahead, you turn to the government and Wall Street banks to bail out your retirement hopes.


    But that's not working either. It's a stacked deck!


    A 401k is NOT enough. An IRA is NOT enough. 457, 403b, and other qualified plans are NOT enough. And, if you're saving for someone's college expenses, a 529 plan is NOT enough. These plans trap your money in risky market investments (gambling). You can't get at it if you're not retirement age, and you can only hope it will be enough when you get to retirement (think 2000 and 2008).


    Thankfully, there is a MUCH better system. A system that is NOT exposed to the stock or bond markets. A system that includes a GUARANTEED return...and has NONE of the silly (age 59 1/2) penalties or access restrictions these government plans do.


    It has truly been a wealth secret of the rich, until now...

  • What: 

    In this popular and proven course we teach a revolutioary personal debt-elimination and wealth-building system.

    At SMARTEST Wealth Systems, we are revolutionaries at heart. We rebel against a financial system that condemns you to feed your hard-earned money to banks and taxes, and then end up having to work, full or part-time, until you die or move in with your kids.


    There IS a way to change that outcome.


    We've spent nearly 3 decades helping millions of Americans eliminate wealth-crushing debt, and dependably build what we call "Job-Optional Income" for themselves and their loved ones, without stock market risks. 


    If you have no debts, The SMART Wealth System can be of particular advantage to you, because of what we teach about cash accumulation/growth and non-stock-market investing.

  • Who: 

    Are your instructors?

John Cummuta is author of: 

  • Transforming Debt into Wealth® system 
  • The Banker’s Secret to Permanent Family Wealth™ 
  • The Debt-FREE & Prosperous Living® Basic Course
  • Are You Being Seduced into Debt? 
  • Wealth Machine: How to Start, Build, and Market a Debt-Free Business
  • The Power of Perpetual Income 
  • The Wealth Generator System™
  • Debt-Elimination 101 
  • The Customer-Focused Direct Marketing book 
  • The SMART Marketing System 
  • The Sales Machine™ database marketing system 
  • He’s co-developer of the DebtFree™ for Windows® debt-elimination software.
  • He's a 3-time Inc. 500 CEO
  • He has taught at 13 worldwide Tony Robbins Wealth Mastery events.

Anthony Manganiello is the author of:

  • Great Credit For Life
  • The Debt-Free Millionaire™
  • The Credit Solution
  • DebtFree Academy™
  • The Cash-Flow Analysis™ online debt-elimination/payment management system
  • He's been a personal finance educator and adviser since the early ’90s
  • He began working with John Cummuta in the mid ’90s
  • He is a 3-time Inc 500 Marketing Manager
  • He has appeared on the 700 Club

Here's What You'll Get!

The SMART Wealth System.
John and Tony teach the course in 6 modules you can study at your own pace.

Module 1

Start with a plan - takes you through an extensive process to determine your likely, dependable post-employment monthly income and expenses.


This is your "before" retirement picture. Module includes:

  • SMART Session 1 Video Lesson
  • SMART Session 1 Audio Lesson
  • Start With a Plan worksheet (PDF)
  • Start With a Plan presentation slides (PDF)
  • Household Monthly Budget Excel® Spreadsheet

Module 2

Maximize Your Accelerator Margin™ -  uses both paradigm shifting and mathematical tools to help you manage your spending to maximize the dollars available for capitalizing the next step in the plan. Module includes:

  • SMART Session 2 Video Lesson
  • SMART Session 2 Audio Lesson
  • Maximize Your Accelerator Margin™ worksheet (PDF)
  • Maximize Your Accelerator Margin™ presentation slides (PDF)
  • Income and Expense Statement Excel® Spreadsheet

Module 3

Activate Your Private Family Bank - unveils the Private Family Bank concept, the platform from which you will pay off your debts and build your wealth - using the same dollars at the same time. Module includes:

  • SMART Session 3 Video Lesson
  • SMART Session 3 Audio Lesson
  • Activate Your Private Bank worksheet (PDF)
  • Activate Your Private Bank presentation slides (PDF)

Module 4

Remove Your Debts - uses your Private Family Bank to pay off your debts, because every dollar that goes into and even through a Private Bank stays in it earning interest and dividends at 5-20 times what banks pay. Module includes:

  • SMART Session 4 Video Lesson
  • SMART Session 4 Audio Lesson
  • Remove Your Debts worksheet (PDF)
  • Remove Your Debts presentation slides (PDF)

Module 5

Transition to Investing Like a Bank - first shows you what assets banks traditionally invest in: real estate (like your home), vehicle financing (like your car) college education loans, businesses, home remodeling (HELOC), and other low-risk, high-return investments.


We then explain exactly how you can use your Private Family Bank to invest in these same safe. real asset classes, including specific non-stock-market investment recommendations most people are unaware of. Module includes:

  • SMART Session 5 Video Lesson
  • SMART Session 5 Audio Lesson
  • Transition to Investing Like a Bank worksheet (PDF)
  • Transition to Investing Like a Bank presentation slides (PDF)

Bonus Module 6

Eliminate your Retirement Income Gap - This awesome bonus session brings all the of the previous 5 Module to bear on making sure your post-employment income streams will add up to more than your post-employment living expenses.


That’s what we call “Work-Optional Wealth,” where working is up to you, because you can live without the income. Module includes:

  • SMART Session 6 Video Lesson
  • SMART Session 6 Audio Lesson
  • Eliminate Your Retirement Income Gap presentation slides (PDF)

Bill and Marla Getty:


"My wife and I bought your course in 1993. We had an $180,000 mortgage and a car payment and credit card bills. We listened to your teaching tapes (1993!) and decided to follow your advice as well as we could.


We paid off the cards by 1996 and made our last ever car payment in 1995. We paid off our house in 1998. We kept making the “payments” to ourselves and bought our first rental house with cash at a big discount in 2007 and bought a second in 2009, a third in 2010 and then bought an industrial building for our business with cash in 2013.


Our business has never borrowed a dime and we have $1.5M in paid for inventory. Our net worth is $3M + with no debt since 1998. Thank you, thank you."

Act NOW and get these 15 Powerful Bonus Lessons and Tools

Bonus #1 Audio Lesson - 
Redesign Your Life

This bonus takes you outside your life-plan box to explore other lifestyle and location possibilities. You may well find a more desirable retirement life, or even current life, in a less expensive area…possibly even doing something much different from your current occupation.

Bonus #2 Audio Lesson -
How To Increase Your Income

This audio examines your realistic options for increasing your primary income stream and adding additional income streams. From strategies for getting a raise to changing employers to changing careers to starting a business of your own, this lesson helps you determine what would work best for your present and future life.


Bonus #3 Audio Lesson -
The Laws of Success

This bonus audio reveals 15 bedrock principles that, if acted upon, can pretty much guarantee your success in whatever endeavor you focus them on. They’re at the root of all of our successes.

Bonus #4 Audio Lesson -
The Laws of Achievement

This bonus examines 12 fundamental achievement truths. If you’ve bothered to establish any goals for your life, and you want to achieve them, following these time-tested rules will bring you to inevitable success

Bonus #5 (PDF) -
Your Average Retirement Day

This bonus takes you through an exercise examining what you’ll really need in your retirement years, such as what size house, where it will be located, what recreational activities will you want to pursue, and so on. The answers will help you determine the likely cost of that post-employment life.


Bonus #6 (PDF) -
Post Employment To-Do List

This bonus will help you list things you’ll GET to do, not things you’ll HAVE to do in your Work-Optional Wealth™ years.

Bonus #7 (PDF) -
Monthly Savings To Reach Your Retirement Goal

This bonus will help you determine the savings amount you’ll need to put away each month, over various timelines, to achieve a given amount of Work-Optional Wealth™.

Bonus #8 Audio Lesson -
Finding Your Accelerator Margin™

This bonus takes you on a tour of all the places money can be leaking out of your life, money that could be building your wealth. You’ll be surprised by some of them.

Bonus #9 Audio Lesson -
Manage Your Spending To Maximize Your Accelerator Margin™

This bonus unveils manipulations used on you by the marketing industry so you can make buying decisions with your brain rather than your emotions. This one revelation could free up a lot of money that could be better focused on building your Work-Optional Wealth™.


Bonus #10 Audio Lesson -
Your Mind's Money Box

This bonus exposes a mental blueprint that confines most people to a lower economic reality than they’re capable of. This lesson explains how to redraw this blueprint, so you’re free to achieve an enjoy more financial rewards than you may now be able to dream of.

Bonus #11 Audio Lesson -
Debt: Your Biggest Obstacle

This bonus exposes just how destructive carrying debt is to your ability to ever accumulate Work-Optional Wealth™. You can either make debt payments OR build wealth — pick one.

Bonus #12 Audio Lesson -
Whose Wealth Are You Building?

This bonus pulls the curtain back on a collection of industries we call the “Coalition of Four.” This powerful marketplace consortium uses both outside and inside influences to divert most of the money you produce in your life into their bank vaults rather than your own.

Bonus #13 Audio Lesson -
The Laws of Wealth Creation

This bonus unpacks 11 foundational principles to successful wealth-building. If you just get these critical truths down inside you, your actions will change to those that draw you towards money and money towards you. It’s inevitable!

Bonus #14 Audio Lesson -
Real Estate Investing

This bonus is a step-by-step guide to operating a single-family-home rental real estate business. It provides a detailed overview to make sure you consider every important aspect of investing in rental real estate, from analyzing properties before you make an offer to building your support team of experts.


Bonus #15 (PDF) -
Personal Balance Sheet

This bonus calculates the most accurate measurement of your financial wealth: your “Net Worth.”

No Worries... We have you covered!

We will do everything we can to help you succeed in starting and growing  your online business.

Monthly live Online Classroom Coaching/
Q&A webinars

We're your instructors and coaches. We're walking this journey WITH you.

Downloadable workbooks, checklists, and other resources

You'll have the important tools for success available to you 24/7/365.

30-Day Money-Back Guarantee

If you don't find this course to be everything we say it is, just send us an email and we'll immediately process your refund.

Dave K., Allison Park, PA​:


"I had to change my retirement strategy because what I was doing was not working. The standard 401(k) wasn't working.


"I was saving, but I wasn't getting out of debt. I lost a lot of money in 2008 and credit card debt increased substantially.


"I wish I had done this when I was younger."

What others say...

Marvin W.

"I can take control of my financial situation at any time utilizing the strategies taught by you.”

"I want to say thank you to you for introducing me to this invaluable information.


"It has altered the course of my life from one of excessive debt and stress to one of peace of mind and confidence to know that I can take control of my financial situation at any time utilizing the strategies taught by you.”

Lori S.

"...recommend this program most highly."

"For anyone who is striving for financial security and for work being optional in the future, I absolutely trust John Cummuta’s advice, and recommend this program most highly."

Andrew B.

"Many of my co-workers were concerned all day about the [stock market] plunge of today and I was able to relax."

"Thank you for your advice and your help with our savings plan.


"Many of my co-workers were concerned all day about the plunge of today and I was able to relax.


"Thank you again!"

Is this Course Right for You?


  • Someone who wants to have control of their finances now, AND end up with retirement income streams they can depend on.

  • Someone who is a proactive "driver" of their life, not a passenger.

  • Someone who knows there must be a better financial strategy than what everyone around them is doing.

  • Someone who is ready to put in effort today to enjoy a  more effortless tomorrow.


  • Someone who's uncomfortable assuming responsibility to become self-sufficient and self-reliant.

  • Someone who likes to fantasize about having a secure retirement, but won't discipline themselves and stay the course.

  • Someone who believes ridiculous claims from advertisers, banks, and Wall Street, promising everything you want now AND a secure future.

  • Someone who's not willing to invest in themselves, in their knowledge and skills.

    30-Day Money-Back GUARANTEE!

    If you're not completely satisfied with your SMART Wealth University, just send us a cancellation email, and we'll immediately process your refund. You won't even have to talk to us. No haggling. No questions. You decide!


    What if I have a crazy schedule?

    Is there a certain deadline to complete the course?

    Does this course teach a specific investment strategy or security?

    What if I can't make a live Q&A webinar?

    What if I have a question in between the monthly Q&A webinars?

    Is this course just for people with a debt problem?

    And you will have permanent access to all revised versions as we implement improvements.

    Copyright 2017 SMARTEST Wealth Systems, LLC. All Rights Reserved.