Lifetime Income Report Review: Zach Scheidt Scam?!

Have you heard of the Lifetime Income Report? It’s an investment service that’s run by a guy named Zach Scheidt and marketed as your “exclusive diamond retirement guide” by a company called Agora Financial. They claim it’s an easy way to earn extra cash and protect yourself from the ups and downs of the economy.

But, you’re probably wondering if it’s too good to be true. Can you really collect dividends and get paid regular checks just for holding onto stocks? Or is it just another scam trying to take your hard-earned money?

As an internet entrepreneur, I’ve had my fair share of experiences with different programs and MLMs. So, I’m here to give you the inside scoop on Lifetime Income Report.

Just to be clear, I’m not affiliated with Lifetime Income Report, so you can trust that my opinion isn’t biased. In this review, we’ll take a closer look at the program and answer some important questions. So, let’s get started!

What is Lifetime Income Report?

Lifetime Income Report is an investment newsletter edited by two guys named Zach Scheidt and Jody Chudley and sent out monthly. It claims to show you how to collect dividends by holding stock in different companies.

According to the Lifetime Income Report, it offers access to great investments with the biggest dividend payouts, which sounds like a dream come true, right? However, before you get too excited, I have to tell you that it may not be as easy as it sounds.

Lifetime Income Report

Some online reviews from members suggest that you need to have around $85,000 just to get started with the investments that the newsletter offers, on top of the $99 yearly subscription fee. Yes, you read that right – $85,000!

One reviewer named Tony Z claims that the whole thing is a scam and that he was coerced into investing that amount to see the returns that were promised to him before he signed up.

Although I had to remove some of the content of his review due to harsh language, Tony Z believes that the Lifetime Income Report is trying to take advantage of people in retirement. He’s not the only one saying this, either – another reviewer mentioned that they were asked to invest a whopping $84,000.

So, if you want to make the returns promised by the Lifetime Income Report, it looks like you’ll need a lot of capital to invest upfront. The question is, can you actually make money with it? Let’s find out in the following sections. 

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What does it offer?

The main feature of Lifetime Income Report is their monthly newsletter. In it, you’ll find market research, new stock picks, portfolio updates, and email alerts. This might sound familiar because, to be honest, most investing services offer similar features.

But if you’re someone who’s always on the hunt for new investment ideas and stock picks, then the Lifetime Income Report newsletter might be worth checking out. It’s a monthly dose of fresh insights that could help you make informed decisions.

Who is Zach Scheidt?

Zach Scheidt is an editor at Agora Financial, one of the largest independent financial research firms in the US. He’s made a name for himself in the online industry, but there’s a lot of debate about whether or not he’s a scammer.

Zach Scheidt

Some people claim that they were scammed by his previous program called Big Book of Income, and there are reports of other scams associated with him as well. While he’s certainly good at marketing, there are many who question the legitimacy of his programs.

One of his latest offerings, Cash For Patriots, has been generating a lot of buzz. Zach has been guest posting on sites like to promote it, although there’s been little mention of it in mainstream media. However, some are skeptical of the program’s promises, which include making thousands of dollars instantly, even if you have no trading experience.

Despite the fact that Zach is associated with Agora Financial, which is a big company, some are surprised that they would promote what they consider to be a scam. The mixed reviews online have led many to conclude that he’s a scammer, particularly given the reports of people who have been scammed by his programs in the past.

One of his latest offerings involves providing online site owners with backlinking opportunities to improve their Google rankings. However, some believe that this is yet another scam. While there are certainly many different opinions on Zach Scheidt, it’s clear that he has a controversial reputation in the online industry.

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Can you make money with Lifetime Income Report?

To be honest, there is no straightforward answer. While it is possible to make a profit, you must have a large amount of capital and be prepared for the risk of losing everything. Unfortunately, that’s just the nature of investing. Even with good picks, there is always a risk.

In my opinion, Agora Financial over-promises and under-delivers on the value in the newsletter. They don’t mention the large sums of money required to invest until after you’ve made your purchase. That’s not a great way to start a relationship with your customers.

Also, the idea that this is “free money” is simply not true. It’s reminiscent of their other product, Freedom Checks, which has received negative reviews from customers. It seems like another way for Agora Financial to squeeze cash out of you.

The truth is, if something sounds too good to be true, it probably is. The Lifetime Income Report makes it seem like an effortless way to make a lot of money, but there is no such thing. You can make money online, but it’s not going to be quick or easy. In my opinion, the newsletter is hyped up to encourage you to subscribe.

So, while it’s not impossible to make a profit with the Lifetime Income Report, it’s unlikely to be worth your money. If you decide to go ahead with the purchase, be prepared to invest a large amount of money and assume the risk of losing it all.

The Mastermind Behind Lifetime Income Report: Agora Financial

When it comes to investment newsletters, Agora Financial has quite a few up their sleeve, including the Lifetime Income Report and the Ultimate Retirement Loophole. However, while they might not be so great at delivering quality investment picks, one thing they excel in is marketing their products.

It seems to me like their main focus is to get as many subscribers as possible, even if it means using questionable tactics. Rather than providing value to draw you in, they hit you up with bold promises and hyped-up income claims.

To promote the Lifetime Income Report, they use something called The Big Book of Income, which they claim is entirely free. However, to get it, you need to pay $4.95 for postage, and you’ll be automatically enrolled into a $99 subscription of the Lifetime Income Report if you don’t cancel within 30 days. Sneaky, right?

The reason behind this scheme is simple: they want your credit card details. Once they have it, they’ll keep charging you unless you cancel. It’s not exactly a free book, in my opinion.

The Big Book of Income is just a sales tool to get you to buy the Lifetime Income Report, and the income claims they make on their website are very bold, to say the least. For instance, they promise you can earn $35 an hour just by walking on the beach. Sounds too good to be true, right? Well, it probably is.

Agora Financial is quite skilled in their marketing game, and they use many different websites to drive people to their products. But, as the saying goes, “if it sounds too good to be true, it probably is.” Don’t fall for their sneaky tactics like I almost did.

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How much does Lifetime Income Report cost?

If you’re considering the Lifetime Income Report, you might be wondering if it’s worth the price. The good news is that it’s a one-time fee, which is a nice change from the monthly or yearly fees that many newsletters charge.

However, at $500, it’s still pretty expensive upfront. On the bright side, there is a legacy program, so if something unfortunate happens, a family member can inherit the membership.

It’s worth noting, though, that Agora seems to target older people with this offer. So if you’re younger, you might want to think twice before investing in the Lifetime Income Report.

Refund Policy

I took a look at their sales page and couldn’t find any mention of their refund policy. Based on that, it’s likely they don’t offer one.

Just a friendly reminder to be cautious with any investment service that doesn’t provide a money-back guarantee. It’s always better to have the option to get a refund if you’re not satisfied with the product. 

Lifetime Income Report Red Flags Exposed!

1. Agora Financial’s History of Fraud

In 2018, Agora Financial was ordered to pay $2 million in fines for defrauding senior citizens with financial and health scams. They promised to cure diabetes without any diet or exercise change and even promised free money from the government to older people. 

The company can afford to pay the fines, and as long as they continue to sell these scams, they will happily pay them. Truth in Advertising has proven that they’re still tricking seniors with deceptive marketing. Given this history, it’s important to be cautious about any investment advice from Agora.

2. Aggressive Upselling

Agora Financial doesn’t make $500 million a year by selling just one product. The real money is in the upsell. Once you enter your credit card details into an Agora publisher, you’re treated like a target to be milked. Multiple times a day, you’ll be sent deceptive sales presentations and ads promising big money. 

Many of these offers will cost thousands or even tens of thousands of dollars. Agora sends so many of these offers that your email inbox might become useless due to being clogged with too many promotions.

3. Unethical Employees

Agora Financial hires some of the most unethical people imaginable. If you’re someone who has been cast out of the industry for shady behavior, Agora will look the other way. The company’s business practices are so unethical that only a person with no morals would want to participate.

For example, Palm Beach Research Group, a popular Agora publisher, was run by a guy named Teeka Tiwari who was banned from Wall Street for being such an unsavory character. Other people have made up credentials, fake customer testimonials and more.

4. Shuffling of Analysts

In the investing newsletter industry, it’s a big red flag when someone is bouncing around to different publishers and constantly rebranding their services. This is unfortunately happening with Zach, who has worked at different Agora publishers. 

Typically, unsuccessful stock pickers have to constantly rebrand because they’re getting bad customer reviews. Agora typically doesn’t fire poor performers and instead just moves them around. As a result, it’s hard to trust Zach’s analysis, and it’s unclear how long he’ll actually last.

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Is Lifetime Income Report a scam?

While Lifetime Income Report isn’t necessarily a scam, there are some things that raise a red flag for me. It seems like the creators of the program are primarily interested in getting you to pay the $99 annual fee, and there are some sneaky tactics involved.

For one, after paying the $4.95 “postage” fee for The Big Book of Income, you’re automatically enrolled in the $99 fee, which seems like a bit of a sneaky move to me. I’m worried that this could catch a lot of people out.

Another concern is that I’ve seen reports of people being asked to invest up to $85,000, which is a lot of money to risk. Personally, I find that pretty off-putting.

Overall, I’m skeptical about the whole thing and don’t feel comfortable recommending it. In my opinion, there are better and safer ways to make money online without putting your money at risk.

Is there a better way to make money online?

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If you have any questions, feel free to comment below and I’ll respond as soon as possible.

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