Is OPM Wealth a Scam?

There is a new program that’s hitting the online marketing niche, called OPM Wealth. Since I do a lot of research for online business opportunities, so I can inform my readers on both legit opportunities and scams, I am constantly bombarded with all kinds of “make money online” marketing. I get endless e-mails (the fall-out for digging deeper into various programs), YouTube commercials, and various targeted pop-ups. If it’s out there, and involves making money online, I’ve most likely been a target. It can certainly be annoying, but it’s a price I’m willing to pay in order to stay abreast of new training programs and platforms.

In a recent attempt to take a break from the usual research, I went to YouTube to watch/listen to a few of my favorite videos. Even a research-a-holic needs to chill now and then. 😉 Before even getting a chance to listen to my new favorite, I was accosted by yet another ad for another online business program. This one was (you guessed it) OPM Wealth.

I was intrigued, as the ad was from a marketing guy (yes, I checked him out – he’s legit marketer who has a long history of MLMs) who was very laid back and talked about something that is certainly true… you can make more money selling high ticket items (or marketing for them).

You already know where this is going. I had to take the bait, to see what it was about so I could report back here. As a spoiler alert of sorts, the marketer I mention, above, shall remain nameless because he is just an affiliate (or sponsor… hint, hint) for OPM Wealth.

Normally, these types of ads are done by “trainers” who are selling their services to the budding entrepreneur. Not so in this case.


The Basics – Hold Onto Your Hat!

Name: OPM Wealth
Owner: Plutus Plan is likely the company behind the OPM Wealth system.
Cost: (Plutus Plan)

  • Hermes – $2000 + $350 (One Time) Admin Free
  • Apollo – $3500 + $400 (One Time) Admin Free
  • Athena – $6500 + $450 (One Time) Admin Free
  • Poseidon – $12,500 + $600 (One Time) Admin Free
  • Zeus – $22,000 + $850 (One Time) Admin Free

These costs are for different digital product levels. Please note that this is the information I pulled directly from Plutus Plan’s website.  I’ll resist commenting on the hubris of using Greek gods for your plan names, though the cash outlay is certainly Herculean (my apologies, I couldn’t resist).

What’s interesting, is the same named plans seem to have a different cost structure through OPM Wealth, as follows (prices confirmed by multiple sources):

Cost: (OPM Wealth)

  • Hermes – $2000 to join.
  • Apollo – $5000 to join.
  • Athena – $8500 to join.
  • Poseidon – $14,500 to join.
  • Zeus – $27,500 to join (No, you aren’t hallucinating.)


Overall Score: 10/100 (It only gets a positive score because it is possible – though not likely – that you can make money with it. I’ll spare you the usual ratings bar chart, as that may serve to give it some credibility.)

Recommended For: Former MOBE members who are gluttons for punishment, and/or those who don’t mind paying $27,500 for a laptop (more on this later).


What is OPM Wealth?

First of all, to really get the gist of it, you have to understand what OPM stands for: Other People’s Money. Basically, they tell you that you can join and get rich using other people’s money (i.e., get a loan). And certainly, if you want to join the top tier membership, you will more than likely need one.

Worried about getting a loan?  They have you covered.  Bad credit?  No problem, as they are partnered with a credit fixing agency.  They literally have all the bases covered on this one.

There is no shortage of ways for them to make money off of you. In fact, once you’re a member, you can buy leads ($2500, according to one source) for your business, advertising packages, and more! But don’t worry, you get a physical product with a paid membership, which varies by membership level, as follows:

  • Hermes – a backpack
  • Athena – a wireless charger
  • Apollo – wireless headphones
  • Poseidon – a Kindle Fire
  • Zeus – a laptop (doesn’t specify make or model)

The reasons they give for the physical product…

1. It makes our business model compliant with current regulations. (i.e., it makes this legal… think about that for a minute)

2. It’s fun receiving things in the mail, especially when they are specifically for your business. (If your idea of “fun” is paying 50x the value of your physical product, this is an astoundingly good time.  I guess that sounds better than, “the government made us do it”.)

OPM Wealth Details

Stefan Dessalines is the face of the company, and is the narrator in the videos I saw. Stefan is a former child actor who has been involved in online marketing for a while – including MLMs. Unfortunately, he’s also been linked to scam programs like Freebie Money Printer. Not a great start.

The domain name was privately registered in February 2019., which some claim to be the parent company, was privately registered in July 2019. I’m not sure why the parent company’s domain was registered after the OPM website, or how this business is organized behind the scenes. I can only say that there is certainly a connection between the two.

Domain registration does not tell you when the program or company itself began. It merely tells you the oldest it could be as an online entity, since online programs obviously depend on domains to host the websites involved.

OPM Wealth does have a Facebook page (a plus), but it doesn’t look very active (a minus). The earliest posts are from February 2020. This probably denotes the beginning time frame for the OPM Wealth program. Pretty much all the posts there are marketing for OPM (understandable, to a point) – particularly a bunch of posts on February 1 that are nearly identical.

There are four people who posted in the reviews section – two of them recommended the program, one did not, the other didn’t say.

One of the posts contained a form of English grammar I’m unfamiliar with. He was one of the two who recommended the program, for what it’s worth. [Name and face excluded from the screen scrape to protect the grammatically challenged.]

No, I didn’t create this as a joke. Yes, it’s a real comment. Go check it out for yourself if you don’t believe me.  I don’t think I’m capable of putting together something this  incoherent.

One thing sticks out, if I’m parsing one part correctly. He left Wealthy Affiliate, a solid, low-cost (or free), high value platform, that is my top online business platform recommendation; for OPM Wealth, which can only be described as being incredibly over-priced MLM/crypto scheme.

I guess if the above comment is a valid example of how he writes, I shouldn’t be too surprised he bailed on WA. I’ll leave it at that.

Looking at the details I have, I’d say this program is only a few months old as of this writing. There is one positive in this. If I’m right, and you had oodles of money you want to throw away on something stupid, there is a slight chance you could be one of those on the upper parts of the pyramid who can actually make a bit of money.

Oops, I think I just let the cat out of the bag.


Still With Me?

If you’re still curious about OPM Wealth, and my spoiler alerts and pricing information hasn’t sent to clicking to safer waters, like my review of the online business platform I currently recommend (yes, a shameless plug, sorry), I’ll go over the fascinating details of what I deem to be a money making machine – not so much for you, but for those who started the program.

It’s actually quite brilliant. They left no stone unturned in finding the best ways to separate you from your money, while overcoming all excuses you can give them as to why you don’t want to join (like the most obvious one, “I can’t afford it.”)

The take-away is that everyone is “enabled” to go into deep debt to join OPM Wealth. That’s exciting stuff! For them.

Once inside, they generously offer you more ways they can fleece you (more on this later).


Back to the Free Account

As I mentioned above, I opened an account with OPM Wealth, as I was intrigued and am always looking for new online business programs to check out. Going on the sales video I watched on You Tube, I thought maybe they had some ideas on affiliate programs for high ticket items that I hadn’t come across yet. I guess that was true, in a sense. The high ticket item was theirs.

They allow you to create an account for free, no credit card is required. It’s quick and easy. Once you log into the free account, you have access to four videos. One is a Welcome video, which is mostly void of any useful information of the program. The other three are what amounts to sales videos to get you excited enough to fork over large chunks of money for this “great” opportunity.

I also snagged a screen scrape of the other videos you can’t see, above… for your edification. 😉 Basically, there are the free videos you can see, and 17 videos that need to be unlocked.

In my research, I found out that these 17 videos are unlocked piecemeal, after each Zoom meeting. Yes, I said “each”, as in there are more than one. Apparently, there are several meetings, and according to what I found out, it doesn’t cost you anything to have the rest of the videos unlocked, other than the time spent in the meetings.

The process can take weeks, where they size up/fix your credit so you can obtain an inappropriately large loan, which they match to the appropriately large program, taking into account you’ll also need to buy leads and ads. They also help you with setting goals, explain the training videos, explain how you can source crypto currency, and the like. Probably not a total loss, especially if any of those services (credit fixing) are free. I don’t claim to know one way or the other.


The Free Videos

First of all, they do have a disclaimer in one of the videos. Take it to heart. Memorize it before you get sucked into the sales hype. It may save your bank account. It rightly tells you that you should be prepared to lose your entire investment. A refreshing bit of honesty, even if it was softened with more positive verbiage. For those glossing over this, I’ll repeat it, as this is likely going to be the end result for you: Be prepared to lose your entire investment.

If you can’t afford to lose thousands, don’t sign up. In fact, if you don’t want to lose thousands, don’t sign up. That would be my advice, anyway. You’re free to do what you like.

I’ll go over a few of the highlights from the free videos in the next section. I had to watch them all twice to grab the details to put the puzzle together. My full conclusion is in the last section of this article. Feel free to skip to it, if you have enough information to avoid this program.  If not, please read on.  There’s more.

I want to spend a bit of text covering the things that you need to look for when looking into a platform to build an online business. I’ll share the most obvious (and applicable) one right here:

“If it looks too good to be true, it probably is.”

Followed by:

“If it claims you’ll make a lot of money for virtually no effort, it’s likely a scam.”

This doesn’t mean there aren’t great opportunities out there that look great.  It only means that you need to start with a bit of skepticism and work your way up from there.  Think with your head, not with your emotions.


The Puzzle Pieces

So, what in the videos made me suspicious? To keep this article from becoming a novel, I’ll give you some bullet points on the things that raised a red flag for me:

  • The sales lead up. They use a simple fact (you can make more money with fewer conversions on high ticket items vs. cheaper stuff) to set your mind on high cost. It’s a psychological play. They spent a good portion of video time trying to prepare you mentally for the costs involved. It wasn’t any one statement, but the pattern.
  • They go over popular industries you can make money with, going out of their way to mention porn, so they can show you they are on the up and up by saying they refuse to make money that way. Normally, I’d say kudos to them, but looking at this sales pitch as a whole, and comparing this to all the other sales pitches I’ve seen on this front, it really stuck out. It is what I see as a psychology play used to induce trust (no program out there suggests marketing for the porn industry).
  • After going over major industries you can make money with, they focus entirely on the digital “make money” market; i.e., digital training products, which is exactly what they are trying to sell you.
  • “You should be making 6-figures in 6 weeks, and should have financial freedom in 12 months”. “Should”. They actually said this. Oh, they are careful not to say “will make”, but they certainly are more than suggesting this outcome. That is a big red flag for me.
  • All transaction are in crypto currency – including the purchase of your membership.  Crypto is untraceable, peer-to-peer, and the best way to abscond with lots of cash when you have to bug out. Crypto has been popular with scammers, lately.
  • OPM – Taking out a loan to join? No thanks. HUGE red flag, in my book.
  • Credit cleanup, or as I call it, scammer insurance. It makes sure that even the poor can be taken for thousands.
  • They sell you (expensive) leads, (expensive) ads, after they fleece you for thousands to join. Don’t you think that leads and advertising should come with it, at least at the price of entry for the upper levels of membership?
  • They are kind enough to take 30% of your commission to close your sale for you. For most MLMs, the up line will do this for you for free. They help you, and by doing so, help grow their own network. Win-win. Not so at OPM Wealth.
  • MLM style “income sheets”. Yes, I saw those with Amway, only in person. No, it didn’t work out as that sheet suggested, no matter how convincingly it was sold to me. They suggest that this is very likely, and that these numbers are conservative.

The column on the left is if you close all your sales (not likely, especially given the necessity for most to go down the credit path). The column on the right is if they close the sale for you.


Commission Structure

I pulled this information from the Plutus Plan information PDF file I grabbed from their site (for your convenience, you can find a link to it at the bottom of this page). This may not strictly apply to OPM Wealth. I’m not sure of the level of separation between the two, as the price plans are a bit different. However, the similarities are clearly there.

It’s the best I could do  without going through weeks of Zoom meetings, where I’d be asked credit questions I’m not going to answer; at the same time trying to keep communications open, while dodging the hard sell. I don’t think I’d have gotten very far, so I decided not to waste my time (which we frown upon on this site 😉 ).

I have seen this information shared elsewhere, regarding OPM Wealth, so until proven otherwise, I think this applies to both.

With that said, here’s the Plutus Plan’s compensation plan:

The compensation plan for The Plutus Plan is based on what is called a 1-Up compensation plan. Before any affiliate for Plutus Plan can earn commissions at any product level, they must first be qualified. There are 2 ways to get qualified.

  1. A person can join as a Free Affiliate. There is no cost to join as a free affiliate. That affiliate must then generate 5 sales at any product level. Once 5 qualifying sales are made, that affiliate is now qualified to earn commissions on any future sales at that level. This is also being offered to make us compliant with current regulations. (i.e., they have to)
  2. A person can purchase a product package and make just one qualifying sale at any level. Once that qualifying sale has been made, that affiliate is now qualified to earn commissions on any future sales.

I’m no technical writer, but the above could be a bit clearer.  My take-away is this.  If you are a non-member affiliate (i.e., didn’t pay for a membership), you are free to market for them, only you won’t make any money on your conversions.

Okay, that’s not completely true.  You won’t make any money off the first five conversions…at each membership level. This means you can sell five Zeus memberships (thousands in commissions) and get nothing. Only on the sixth Zeus sale will you get commission for the membership you convert.

Effectively, you help put $137,500 into their pockets, and you get nothing. Who does this?  And while the amount is different, this same affiliate abuse goes for conversions on every other membership level.

The paid member loses the first sale. It doesn’t stipulate the same limitations as the free affiliate, but why pay thousands of dollars only to lose thousands of dollars of commissions you should have pocketed on your first sale?  That’s crazy.

Are you getting the picture yet? There is literally no area within this program that they don’t make money off of you.

Look at their Advertising Co-op packages…

If you go all-in, you could be out $27,500 for your Zeus package, $10,000 for the top tier ad package, and another $2500 for leads (not shown)… all in your first month! And if you end up with a big sale, say another Zeus recruit going all in as you did, here’s the black and white:

You: -$40,000 (remember, no commission for you on that first sale, but at least you got the laptop)

OPM: +$80,000

Of course, your sponsor gets some of that, but the take-away is the same.  You’re still in a financial crater even after after making a huge sale.  Meanwhile, OPM and your sponsor get all the cash.

Sure, you make money on the next sale, but after going in the hole for $40K, doesn’t it seem wrong to get nothing from a $27,500 sale?  And how many $27K sales do you really think you’ll make?


But WAIT, There’s MORE!

Just when you think you can’t get fleeced anymore, there is one other tidbit I pulled out of the Plutus Plan info PDF (linked to, below).

“Once you are an affiliate. You will have access to your own account within the system. You will follow the instructions in the system and send your cryptocurrency to the wallet address as instructed. Once it has been confirmed on the blockchain, that amount minus a small transaction fee will show up in your internal Plutus Plan (wallet) in your profile.”

(Grammar and spelling errors are theirs. I directly copied it from the document.)

Did you catch the “minus a small transaction fee” part?  Sure, it could be a small fee, but that’s a relative term. $1000 seems small if you are transacting a $100,000 commission (1%), but it’s still a thousand times more than a dollar. I could be making a mountain out of a molehill, but I thought I’d point it out, especially since they don’t stipulate a set amount or percentage.  Do you think they didn’t stipulate this for a reason?



First, I’ll give you the positive. It hasn’t been going on for very long, so if you got sucked into this, all is not lost. You might actually make money or break even. However, you have to make money by selling others the same bill of goods you are stuck with.

Yes, there are digital products inside (see linked PDF at the bottom of the page).  I seriously doubt they’re worth what you are paying for them.

If someone reading this has inside information, fell free to explain what digital products you get access to with which membership level, and whether or not they’re any good.  A list of titles would be great.  This would allow me to better review what value you are getting for your godlike membership fee.

Is it possible to make money with this? Sure. Anything is possible. This type of marketing scheme can be very profitable for the early entrants, but most people will lose their shirt. Many will take on debt they will struggle to recover from.  But the reality is that convincing someone to buy into a program this expensive, with the sketchy information they provide, is certainly a tough sell.

In my opinion, this has all the earmarks of a pyramid MLM scheme. It has all the marketing hype and psychology one would expect from a scam.

Is OPM Wealth a scam?  It sure looks like one.  My only caveat is that I did not pay up thousands to join, so I do not have all the information. But, I know what to avoid, and this one checks off all the right boxes on that front.

This program is definitely NOT recommended. If you want to throw away $27K, buy a new car. At least you will only lose a few thousand when you drive it off the lot, and you’ll end up with something useful to put into your garage.

For affiliates who may want to shill for this company… don’t.  They are totally jerking around affiliates.  Clearly, they are doing so on purpose.   It amounts to paying them for the privilege of marketing their product.  That’s not how affiliate marketing works, and you should never pay anyone to market their product.  Anyone asking you to do this, in any way (like commission free conversions of large $$ amounts) should be ignored.  I would never market this, even if I thought I could make money.  I wouldn’t sleep well at night cashing in on this scheme.

As a parting word, I did come across someone who joined OPM Wealth at the Zeus level.  He created a very positive review of OPM Wealth, and seemed excited to be a part of it.  In the end, he decided to quit.  He did not get the results he was expecting/desiring.  I mention this not to call out this person, but to pass on a warning to you.  Be cautious about positive reviews of OPM Wealth.

If you find his site, and read the review, you’ll see what I’m talking about.  You have to read the comments section below the review to find what I’m talking about.

[Sorry, I’m not going to link to a positive review of a program I recommend avoiding.]

Kudos to him for admitting it doesn’t work after putting up a great review for it (and a lot of money). That’s a hard thing to do. I wish him well, as he was honest with his readers.  We need more of that.

As always, feel free to comment, below.

All the best,



Click here for the Plutus Plan Guide.

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  1. Wow! that is a quality and thorough review post.
    I am always glad for people like you putting the scam programs in to the light and save poor people like me from spending my time and money.


    • Thanks for the kind comments, Azimi. I’m glad you found it helpful. I try to expose the scams as much as possible. I made this one a priority, as the cost is so extreme, while still having a compelling sales video.

      All the best,

  2. Thanks for the enlightening review. This OPM money making opportunity looks suspicious the least. The amount of money you will have to put in is outrageous and to top this off is in crypto which is untraceable. I saw a report the other day, saying the number of internet scams is on the rise. We need reviews like yours to help us avoid online scams. Keep up the good work.

    • I appreciate your feedback. It’s my goal to find and point out the scams, as well as the legit opportunities.

      You are absolutely right, the number of internet scams is on the rise. I’ve been considering a section on this site for other types of scams, beyond the “make money online” segment. I get phishing e-mails almost daily, for example. Some are pretty clever, others are obvious.

      There is no shortage of people out there trying to scam or just outright steal from people. I feel compelled to warn others.

      Thanks for visiting!

      All the best,

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