He has some interesting marketing and I was wondering if anyone has bought his stuff and whether it's any good???Think it's called annualreviewmillions or somethingThanks!Dash
Isn't he the annuity guy??
saw that, i am curious about his annualreviewmillions too...
I keep getting this guys emails; has anyone very bought his annuity system?He spends a ton on full page ad's and I was just curious.Thanks!
Just yesterday, March 23, I was set to give him some money. In attempting to check him out I found this post. Even though he has a testimonial from a FL client, I could not locate him having a license in FL. There is not a lot about him on the internet. I sent an email to his comcast address listed on his domain (who is) and instead of a straight answer got pages more of hype. Now that I have validated my email address I received four emails today, some of them now on how to get monster Roth rollovers. I will not be sending any money that direction.
In the past two weeks I wrote $770,000 of new Annuity business from using this program, my clients came in for their reviews and I learned about and converted new asstes. Oh also $100,000 Insurance premium... This is a GREAT system that I've made a lot of money with!
Ive made tens of thousands of dollars using Gegelheim oh and 100 clients and they made a million and got fourty referrals and rollovers
squash2& gethardgetraw you're both a couple of quite amazing form “trolls and likely broke failures. Commenting negatively on a product you don't even own. I own it! You don't and you have no idea what you're talking about. In fact, you're both very unprofessional and quite irrational. You want to comment on Mike's system, either put up or shut up! As for me, I did and I'm already several hundred thousand better off because of Mike and his methods...the guy is a business development genius.
Has anyone heard of Gagel Inc. or every had dealings with them? I would like to know more about this company. Are they legitimate? Why are they not able to be located through the BBB website? I found them on www.gegelmanjobs.com and is looks kind of iffy because there are misspelled words and such on the site. Looked on another site http://dnb.powerprofiles.com/profile/942789025/GEGELMAN+INC-ORLANDO-FL and it says they have less than 25 employees. What kind of business is it?
I have been getting Emails from Mr. Gegelman and it seems to me that for his system to work you would already have to have a large book of business with lots of clients that have assets you missed the first time. I am wondering if his system would help someone who has a small client base of about 100 or so clients but many of them only have a small , say $50,000 IRA and not much else to work with. It seems like some of you are using his system, can you let me in on if this would work in the above senario? Do you have to already have 100's of wealthy clients? And if you already had 100's of wealthy clients why would you need Mike's help? Not trying to discredit him I just don't understand exactly what it is that he is selling? And I have checked out his websites.
Last Wednesday Mike hosted another of his Annual R'eview Milllions teleseminars. During the call Mike interviewed another one of his licensees -- Ron Fareah from Chicago -- was a really GREAT call. He does these calls like clockwork mid month every month. Ron shared a lot of great info and personal experiences he's had with Mike's system. From what he says, he's been successfully using Mike's system for about one and a half years. Like I, Ron really likes Annual R'eview Milllions. Ron went on to say that he's used Annual R'eview Milllions to write around $5,000,000.00 in annuity and life premium, with another $2,000,000.00 in the client review pipeline. These are quite impressive numbers! Ron's total earnings are like $400,000.00 at this point and counting. After the call Mike emailed a link to the replay version of Ron's interview. Really great call and I'm pretty sure it's available yet for playback......
Yeah no offense but the guy has been registered in the insurance business since 1973, I doubt he struggled for 18 years before finding Mike Giggleman...You obviously work for the company or are mike..Either way the guy who admitted to spending thousands on marketing kits and told us what was inside of the box(without promoting some other company) was more telling then what you do.
I bought the system and I am waiting for it to be delivered. I will be happy to give anyone on the board an honest oppinon of the system after I get a chance to read it and try it out. I do think it's kind of rediculouse that there are so many negative comments from people who really have no idea what they are talking about. You may be right but at this point you really don't know so why say anything? And to the guy who returned it without ever even trying it, why would anyone go through all of that trouble and not even give the system a chance? What have you got to lose? The cost of the system ammounts to the comp on one decent case and it it helps get you excited about doing an annual review, and gives you a reason and a format to go back and do the service you are supposed to be doing anyway, it sounds like too good of a tool to pass up. I have to at least give this a try. I am excited to see what it is all about.
Justasktony wrote:I bought the system and I am waiting for it to be delivered. I will be happy to give anyone on the board an honest oppinon of the system after I get a chance to read it and try it out. I do think it's kind of rediculouse that there are so many negative comments from people who really have no idea what they are talking about. You may be right but at this point you really don't know so why say anything? And to the guy who returned it without ever even trying it, why would anyone go through all of that trouble and not even give the system a chance? What have you got to lose? The cost of the system ammounts to the comp on one decent case and it it helps get you excited about doing an annual review, and gives you a reason and a format to go back and do the service you are supposed to be doing anyway, it sounds like too good of a tool to pass up. I have to at least give this a try. I am excited to see what it is all about. Why do people commment:1. The guy selling the product is no licensed and works out of his house(not a bad thing, but for a guy who claims people make tons of money you think he could afford an office).2. Most of these things don't work or everyone would use them3. If you need someone to tell you to do an Annual review with your client, you deserve to get ripped off4. PS you didn't even come close to spelling "Ridiculous" right..
PS..How can you call yourself a financial advisor or retirement specialist when you only have insurance licenses? That is like calling yourself a homebuilder and showing up with a hammer..
squash2 & Lobach... "Birds of a feather who flock together". Success follows after success guys, that's just the way it is! It's really is QUITE obvious both you guys are from the "glass is half empty" camp. I definitely would not hang out nor surround myself with the likes of you. Whether you like it or not, is changing the game and so you can either get on board or you can get left behind. Mike has close to 400 agents and advisors using his system so go calculate that...I'd like to see any of these "glass half empty" whiners and moaners attempt to develop anything near what Mike has. Oh and to Justasktony, you'll do well with and really love the system. Not just because it is a great system, but more importantly because of the stuff that determines one's altitude -- and that is your enthusiastic, can't wait, can do attitude..that is more important than ANY system and is why the whiners and complainers never win. I can't wait for you to come back here and report your client review earnings.
Thank you advisor mp you hit the nail right on the head. It all comes down to your attitude. I was sitting on a chartered bus once with a Top Producer for Allianz. He had on a huge diamond ring he had one from Allianz as he was a diamond producer and he told me about how he worked out an incredable deal to partner with local banks. (I didn't even think that was possible) Anyway long story short we had both flew down to Florida to check out some guys "system" and I told him I kind of felt a little foolish spending my money and wasting my time chasing yet another "system". And he said something very profound that has stuck with me for years. He said "You should never feel like you are wasting your time checking out these things, thats how you learn and as an Entrepenure (I prpbably spelled that wrong too) that is your job, how else can you know what works" Since then I have spent thousands of doallars and countless hours investigating system after system and you know what? I learned alot and I happen to make a fantastic income, working from an office in my home where I can eat 3 meals a day with my family and run out occationally to my satalite office to meet with a client and close another big case. Some of the systems I have bought have not worked out all that well and others have literally doubled my income. But that would never have happened if I had a bad attitude. To Mr. Squash2 I sincerly hope your attitude improves so maybe someday you can be as happy and fullfilled as me. Best Wishes.
To review all of of our customer testimonials, please visit:==> http://www.on2url.com/app/adtrack.asp?MerchantID=92732&AdID=472456
For more information about any of our business development programs, please visit:==> http://www.on2url.com/app/adtrack.asp?MerchantID=92732&AdID=472455
Hey Mike... you aren't licensed.. So i don't want to hear about your business...
Mike,That little tirade will probably encourage lots of advisors to try out your system. Here's a word of advice...publicly acting like a complete lunatic will not help your business. Actually, it will give the impression that you are an insignificant, unprofessional hack. Before your little diatribe, I was actually rather neutral on the whole thing. There are far better ways to respond to disappointed customers, that would have put you in a much better light. It is quite unfortunate for you.
For more information about any of our business development programs, please visit:==> http://www.on2url.com/app/adtrack.asp?MerchantID=92732&AdID=472455To review all of of our customer testimonials, please visit:==> http://www.on2url.com/app/adtrack.asp?MerchantID=92732&AdID=472456
So MIke, I guess you didn't take my advice to heart? I was being honest with you. Publicly bashing former customers (whether real or "imagined"), is not going to put you in very good light.How about this...."Squash, sorry things didn't work out with our product....some products simply don't work for everyone. I have requested our Service Department to review how your account was handled, and are working diligently to make sure we do not repeat the same mistakes again. We appreciate your feedback, and always welcome open and frank communication from our customers...in fact, those that are interested are welcomed to visit our website and review some of the comments of current and former custoemrs that have been pleased with their results..."Now how difficult would that have been?
Mike, Senior Member B24 does have a point. Squash2 took a stab at me and I was tempted to let him have it but then I realized that this guy must have a pretty bleek existance already or he wouldn't be bashing fellow advisors without even being provoked. Not sure what his problem is but I'm sure it's nothing years of therapy couldn't fix. And Jollywood seems like he's stolen your idea and after all the work you put into this thing I would be surprized if you did not speak up. In fact I am sure that the nay-sayers on this board would have dissed you either way. I think the real problem is there are alot of people in this industry that want to be entrepenurs but are too cheap and too negative to really do what it takes to succeeed. Their lack of success and their lack of faith in themselves causes them to critise things they know nothing about so they can justify staying at the same level of failure they are most comfortable with. As far as your system goes I am about halfway throught the manual and I am loving it! I have allready attempted to do what you have done but have not come anywhere near close to what you have come up with here. It is no wonder your clients love this system, I can't wait to share it with my clients. I am sure it will lead to much more business and help me be even more productive. Thank you so much for sharing your ideas.
Last December I met one of the most interesting guys who had purchased my product. Fella by the name of George Oliver (very successful financial services career). Turns out George co-produced the personal development series "Lead The Field" with Napoleon Hill. George and Napoleon were close personal friends. Back in I December had the privilege of spending several hours on the phone with George after he purchased. It was great! Like being in the company of those business "legends" we've all come to admire. Afterwards, I received a package in the mail from George...he took time to send me several books from his personal library. What a wonderful gentleman, and a great personal development series. Never know who you might bump into along the way.For more information about any of our business development programs, please visit:==> http://www.on2url.com/app/adtrack.asp?MerchantID=92732&AdID=472455To review all of of our customer testimonials, please visit:==> http://www.on2url.com/app/adtrack.asp?MerchantID=92732&AdID=472456
I have to say...this is probably the most entertaining thread in the entire forum...IMO, I don't see the magic in such programs if you are doing what you should. Are you having annual reviews with your clients? If not, I would question your chances in any decent arbitration case. Do you review all assets or just what you manage? I insist on reviewing all assets, insurance policies, etc. That goes back to my CFP class days and I am 100% convinced that you can't do a client justice looking at less than 100% of the total picture. If you do what you should and take care of the client, you'll periodically do new business with them, whether or not you purchase a system. That being said, if you're not already doing these things, maybe you need to pay someone to kick your butt and get you to do what you should already be doing.
Justasktony wrote:Mike, As far as your system goes I am about halfway throught the manual and I am loving it! I have allready attempted to do what you have done but have not come anywhere near close to what you have come up with here. It is no wonder your clients love this system, I can't wait to share it with my clients. I am sure it will lead to much more business and help me be even more productive. Thank you so much for sharing your ideas.Tony,You got my friend!Keep me posted on your progress...as well, feel free to call me just before your first review, I'd be happy to do a quick review of the "review" of your first review and the processes you want to to be sure to incorporate.As your beginning to discover, the system is "not" about software, nor a great organizational system, nor Excel formulas, nor does it have anything to do with "macros" and "buttons" (as some who don't get it would think)... No, the system is all about the step-by-step processes, six different components all working together in sequence, and the magic that creates! It is this, that got Ron F. from Chicago, IL the $5,000,000.00 in new combined annuity and life premium.Anyway, let me know if you need any assistance as I make myself available to all my licensees Would enjoy having you on one of our upcoming monthly calls.You're gonna generate a lot of new business and income with this...And your clients are gonna love it! All The Best,MikeFor more information about any of our business development programs, please visit:==> http://www.on2url.com/app/adtrack.asp?MerchantID=92732&AdID=472455To review all of of our customer testimonials, please visit:==> http://www.on2url.com/app/adtrack.asp?MerchantID=92732&AdID=472456
Check out the recorded version of our last telesemiar:==> http://www.on2url.com/app/adtrack.asp?MerchantID=92732&AdID=480802For the licensee interviewed, the system meant $5,000,000.00 in new combined annuity and life production and $400,000.00 in new income. Best To All!Mike
If the system is so good, why are you based out of your house??Why share the "magic' of the system if it is so good.?
If his system is so great, why would he waste one single minute on a forum defending it? What a tool. You and your flunky Tony should peddle your crap somewhere else or pay for an ad on the top right side of the page.
We are very proud of our product, the results it is driving all over the U.S. and soon internationally. We are as well quite proud the product's performance guarantee and it's return policy. As a product grows it's market share, it is expected one will encounter bumps in the road along the way. We are constantly striving to adjust our service to our customers and as such. It was approximately 8 weeks ago when it was I reviewed our entire customer service processes and policies...and as as a result just, recently rolled significant new licensee support and service changes with our staff.The guarantee is very generous and covers all of our licensees for a full 12 months (anytime within) ... all we ask in exchange for this generous guarantee window, is the system be use on no less than six client reviews (as clearly stated on the website prior to purchase).If after six reviews the system does not measure up to the product guarantee, upon request and return of the course materials, the licensee is issued a full refund. This is extremely fair...and extremely generous. As is stated by the product guarantee on the product's website, we only want to do business with those who's intentions are to use what they've ordered. This is likely the reason we've seen the kind of remarkable results and the documented testimonials and licensee interviews we've seen form all over the U.S. when it is the system is actually applied.The product's guarantee stands for a full 12 months after purchase and can be exercised anytime within the 12 month window.If used as instructed, the six client review use requirement WILL produce significant results...and this is guaranteed!Just head over to the site where all of our licensees have ordered the product at and you'll find product's guarantee. To Your Success!Mike For more information about any of our business development programs, please visit:==> http://www.on2url.com/app/adtrack.asp?MerchantID=92732&AdID=472455To review all of of our customer testimonials, please visit:==> http://www.on2url.com/app/adtrack.asp?MerchantID=92732&AdID=472456
I'm going to post a more detailed response listing the utter difficulties of obtaining a refund from ARM later however due to Mike G's total misstatements in post #42 about the fairness of the ARM guarantee and because my next post is long any many might miss this important part I offer this now and let the verbaige of the guarantee speak for itself:In addition to the other requirements which I will list later to request a refund you would be required to sign a certification stating: I hereby certify that I have used the Annual Review Millions client annual review system as instructed in the course during the attached six client reviews and did not find the system measured up to its guarantee. So not to violate the U.S. and international copyright laws, I hereby certify that I have in no way copied any of the Annual Review Millions course materials or software and that I have deleted any of the installed copies of Annual Review Millions software and am returning the materials in an undamaged, like new, resalable condition. Does anyone besides me find anything wrong with the above: How about this....You cannot comply with a guarantee that requires you to use the material on six clients,( only provides you enough for three) and requires you to return it in “undamaged, like new resalable condition” ???The conclusion would be the guarantee is bogus and would be thrown out of court!
dennylobach wrote:I'm going to post a more detailed response listing the utter difficulties of obtaining a refund from ARM later however due to Mike G's total misstatements in post #42 about the fairness of the ARM guarantee and because my next post is long any many might miss this important part I offer this now and let the verbaige of the guarantee speak for itself: I'm not sure what additional monies are owed you when it is all of your licensing installments paid, including shipping and handling have already been refunded to you.If you are confused about this matter, I would suggest calling our customer service rep Jodi at: 772.337.1070 x8707. In reference to your account. According to our records, several weeks ago while you were on the phone with Jodi (our customer service rep) she was given specific instructions by you that your bank would be taking care of and providing instructions regarding your refund. When a customer gives these sort of instructions relating to a refund, it is standard operating procedure for the merchant to wait for refund instructions and communications from the customer's (your) bank. Which our customer service department did.Regarding your particular refund, we acted as instructed by you...and when it was we received communication from your bank, your refund was promptly issued. I'm not sure what belaboring a refund that was promptly issued per your instructions will accomplish. Should you have any additional questions and or need further clarification regarding your refund, again please contact Jodi in our customer service department.All The Best!Mike G.
Not only we are delighted to bring the industry a phenomenal service based, revenue generating review system...we are also delighted to bring it to th industry with an unheard of 12 month performance guarantee!We do not limit in any way the number of reviews an advisor or agent can use the system on. Once the system is purchased, lifetime use rights is granted licensee without any annual renewal fees, nor royalties. We encourage all licensees to do as many reviews using the system as quickly as possible. In one very recent case, Bill H from Argyle, TX completed his first review within four days of the systems arrival, and as a result Bill picked up a very nice $349,000.00 annuity case. Bill went on from there to complete four additional reviews in his first 30 days (five total). As a result of using the system, Bill wrote an additional $850,000.00 in combined annuity production. For Bill, the system has been a tremendous success...as it was for I and as it is for those who apply the system. Which no one who has been posting here has done...accept for AskTony. And I cannot wait to hear of his success!Additionally, should at any time the licensee need additional My A'sset Journal financial asset organizers and the organizational system components, these are purchased through the licensee's member account by logging into the member's site and purchasing additional My A'sset Journal organizational components. After purchasing additional organizational systems, and once six reviews are completed, the guarantee's minimum "six client" review requirement has been met!Pretty simple...pretty straight forward....And VERY effective! Best To All!Mike G.For more information about any of our business development programs, please visit:==> http://www.on2url.com/app/adtrack.asp?MerchantID=92732&AdID=472455To review all of of our customer testimonials, please visit:==> http://www.on2url.com/app/adtrack.asp?MerchantID=92732&AdID=472456
"The thing always happens that you really believe in; and the belief in a thing makes it happen."-- Frank Lloyd Wright
I feel like Bill Murray in "Groundhog Day" after reading all this.
Tell me, are there really FA's out there who are stupid enough to buy this crap?
Always look forward to each and every opportunity given to share our passion over what is a remarkable client service new business revenue generating system, and the tremendous success it is having in advisor and agent offices...as well the positive effect it is having on client advisor relationships throughout the U.S.During years of its development -- the financial asset organizational system -- many clients were directly involved in the developmental process. Along the way, client input and opinion helped shape and form the financial asset organizational system which is really quite exceptional. At this point in time, the financial asset organizational system is now better than 5 years in the making. It has hundreds of clients in an of its self. The financial asset organizational system was not developed in some far off corporate ivory tower, nor by a novice...it was developed in the field with direct involvement by those who are the customers of the product. And this is likely the reason why the organizational system is so well received by clients all over the U.S.In order to conduct client reviews, system licensees will purchase and distribute to their clients, a single financial asset organizer and the accompanying organizational components and software asset reports for each client review. In as far as an unbiased opinion is concerned and in all fairness to the readers, the only poster on the forum who has used the product is AskTony, as is evidenced by our records.As far as opinions and suggestions are concerned, we value such from all of our licensees. On a number of occasions we've incorporated licensee ideas and suggestions into the system...and we will continue to do so as the system evolves.Of course, any suggestions and opinions are always considered...from those who have actually used the system in the field and on client reviews. This is the only place where valid opinion and valid suggestion can be formed, anything else is conjecture and is unproven and untested theory.In the case of Mr. Lobach, the product was purchase several weeks ago and was immediately returned to us unused and with unbroken seals. None of the course material had been installed by Mr. Lobach nor reviewed as is evidenced by Mr. Lobach's own statement in an earlier post: "...I never opened any of the shrink wrap (so I don't know what is in the pages nor did i install the software however I reasoned..."Now...as far as the product is concerned, it has been USED both by the developer and by near 400 licensees throughout the U.S. now better than 5 years.Five years of use.The product is a category creator and an is industry first and only...It's market share growth has been remarkable...The "documented" results it is driving for client and advisor, is nothing short of stellar! Best Wishes!Mike For more information about any of our business development programs, please visit:==> http://www.on2url.com/app/adtrack.asp?MerchantID=92732&AdID=472455To review all of of our customer testimonials, please visit:==> http://www.on2url.com/app/adtrack.asp?MerchantID=92732&AdID=472456
ughhh... it's like the girl you gave a sympathy dance to in school. you are still buck-toothed, four-eyed and in the band... go awayanyone wanting to know how to increase their business? send me a private message
First let me say that on 3/30/2010 I requested a refund and on 5/21/ 2010 (nearly 8 weeks later) it was finally deposited into my account… but don’t get the wrong impression that the refund was forthcoming because ARM was gracious about it. I can virtually guarantee that if I had not had the leverage available to me to stop any further charges to my account and get back the initial $97 and the $677 ARM would never have made the refund.And if Mike hadn’t written what he had about me personally in post #18 and the false misleading statements in post #42 concerning the generous guarantee and how willing ARM is to make refunds…because in truth the guarantee is impossible to exercise (which I will document below) I wouldn’t have taken the time to post all this (FYI In case your thinking… gee this guy is spending a lot of time writing this, the actual reason I spent this time writing this is that my bank required I write a detailed account of what transpired so they could get my money refunded (which they did). (See below)Sent: Monday, April 12, 2010 4:55 PMTo: 'email@example.com'Subject: 1st TN Visa Debit Dispute $97 & $677Importance: High Mr. Lobach, Regarding the dispute in the amounts of $97 & $677, we will process these credits on tomorrow. In order to support our case please send copies of any e-mails from/to the merchant regarding the dispute and any attempts to resolve. Please send us a follow up e-mail the date you returned the merchandise. Additionally, please offer any further information which details the difference between what you ordered and what you received. Our attempt is to substantiate your claim that the merchant misrepresented the product. We will be looking forward to your response. Sincerely, First TN Bank The facts are below:SomAlthough this blog which was designed to be an exchange between reps it has somehow been hijacked by ARM/Mike as a pulpit for what he wants to say rather than answer the facts and even when he does address the question his response is “you should have read the guarantee.” Or in today’s post “you should consult your attorney” (even though if you consult your attorney or BD you will be told that you cannot give client information to ARM thereby not being able to comply with the ARM requirements…so you will not get a refund) and then Mike goes on making a commercial for selling his material. (Which I thought wasn't allowed???)When I read Mike’s response # 52 to post # 48 (a point that I completely agree with) I almost didn’t bother to post this as it is apparent the ARM/Mike will never admit he is wrong (read last of this post to learn why) so I thought that it was a waste of time, but then I remembered that this wasn’t for ARM but rather for all the potential agents and reps that might consider buying the ARM that like me didn’t get to see the material or read the fine print in advance. I also discovered that if you type “Annualreviewmillions” or “Mike Gegelman” into Google this blog and all the dirty laundry is there for anyone to see…so the more anyone does to get Mike to respond…the better. Last point is that Mike stated in post #53 “Always look forward to each and every opportunity given to share…” and as I looked back over what he had written and the reactions by the readers that the more Mike responds the more everyone has become aware that like the politician that when recently he was just caught lying about serving in Vietnam said that he “had misstated the facts”, that the more Mike responds the more everyone sees right through him.Up to now AR/Mike like a sharp politician that says they misstated the facts rather than admit they outright lied has only attempted to divert, redirect and obfuscate the discussion and but now in post#45 which seems to be directed to my refund adventure with ARM personally ARM/Mike is outright lying or should I say misstated the facts.. Lie # 1. According to our records, several weeks ago while you were on the phone with Jodi (our customer service rep)I have never had any telephone conversations with your company and have all the email to verify our correspondence. I left a voice mail late at night on March 29 with instructions to corresponded with me by email (I have the email response from Jodi confirming this)Lie # 2 My funds which were the $97 and the $677 were not returned to my bank account until this past weekend May 21st although I stopped further payment and requested authorization to return the unopened merchandise on March 30th.Lie#3 No instructions were given to Jody that my bank would be taking care of or providing instructions regarding a refund. (I have the email with the instructions) The email stated I was requesting a RMA and a prepaid pickup by UPS as I was not willing to pay the return postage and I would send back the unopened material and as my bank had issued a provisional credit to my account on 04/14/10. I was out nothing and that if ARM wanted the material back you would pay for pickup.Lie#4 ARM/Mike (after Mike you had lambasted me in an acerbic email see earlier post) refused to send either an RMA or a prepaid UPS pickup.Lie#5 ARM did not act according to my request and only when ARM/Mike believed that my bank had reversed the charges and that I was still willing to send the unopened materials back to you did ARM instruct UPS to pick up the materialsLie#6 It was only after my bank called ARM this past week 5/17/2010 asking why they had not receive the funds that ARM 1. Gave an excuse that after 60 days the ARM visa merchant does not allow a refund and that any refund would have to be made to my personal Paypal account that ARM actually refunded back to my bank the funds that ARM indicated on in an email on 4/2/2010 that would be refunded even though ARM had the returned materials for nearly a month. Keep in mind that the standard legal tactic taught in law school and negotiations is if you can’t refute the facts you attack their character or integrity of your opponent. (You’ll see ARM do this all throughout the postings)I said before that annual reviews work but that there is no proof that using the ARM materials caused them to work any better than if you did them, period.I never needed a system to do annual reviews (I’m not sure why anyone would need a system to visit clients they have already sold and go over what has transpired and give them suggestions as to what to do with any additional assets).I have always used a planning binder from the estate plan, however I was interested in a more comprehensive product. I was only interested in purchasing the binders because in 2008 I started looking into creating a binder for my clients to keep all their policies and an annual balance sheet; income statement; what they had that I was taking care of and what they still had with someone else etc… and discovered that to do so (as it was going to have to be custom size – the ARM binder is not large enough) was going to cost me about $2500 for custom sized production of high quality leather like binders , embossing dies, clear inserts pockets to hold policies and custom printed tabs, etc…so when I saw the ARM “system I reasoned that perhaps this guy has already produced a high quality piece and I could just purchase them from him and just save me all the set up and production costs. (The price was the same and maybe I would get some additional education along the way…[especially if he had a joint venture program that he offered as a bonus and that I was in the middle of developing at that moment see www.Salesleaders.net) the report he provided had nothing to do with joint ventures for agents but rather he wanted us to sell his system)Unfortunately the words high quality and custom never came to mind when I opened the box of material and saw the “Martian Green”.(that is ARM’s description) binders, and paper and print your own office supply store tabs…it was obvious that I was not going to use this in my practice and why when I had asked mike to see what the binder looked like he refused to show me the appearance. FYI there are other binders available that are much more professional in appearance such as from:• Oechsli ($50) http://www.oechsli.com/Store/index.asp?Category=0• Financial Documents Binder http://www.facebook.com/financialdocsbinder• Forbes Custom Products: http://www.forbesproducts.com/Financial-and-Legal-Products/(There are more just do a web search) Be that as it may, “Justasktony” asked:… and to the guy who returned it without ever even trying it, why would anyone go through all of that trouble and not even give the system a chance? What have you got to lose? The cost of the system amounts to the comp on one decent case and it helps get you excited about doing an annual review, and gives you a reason and a format to go back and do the service you are supposed to be doing anyway, it sounds like too good of a tool to pass up.First, when I go out to eat I occasionally order a steak or thick burger. I order them cooked pink and juicy for two reasons, I like them that way and second that is how myself and my son cook them at home. As far as we are concerned that is the right way to do them. Occasionally they bring me a plate with a burger or steak on it that is well done. I don’t eat it to know it isn’t the way I want it.• After I had ordered the system but before I had received it I was given access to the online portion (something I was going to be charge for ) I read the two special reports. They were 10 to 20 years old, one available in many information resale programs and had nothing to do with annual reviews or our business. The one that would have been worth the whole $2400 price to me if it was relevant (was supposed to be about joint ventures -something I am currently very involved in) was about reselling information products and was part of a pre-sell seminar with Dan Kennedy and Jeff Paul – [if you’re not familiar with Jeff Paul he at one time sold monthly newsletter templates to agents (I bought them) but apparently made a wrong turn….go look up Jeff Paul on Google – an eye opener especially if you add things like FTC or scam after his name] and that is obviously Mikes role model as he is obviously in the business of information selling…just like Jeff Paul!) If Jeff Paul was Mike role model…well this added to the first made my radar go up even more!• Also there was no substance of value on the exclusive web access. An audio of a prelaunch webinar, an audio of the Jeff Paul report and I believe an audio of installation instructions, and a page to purchase more “Martian Green” paper and binders…yet I was supposed to pay monthly for access. There was however a system that automatically set up a replicating website in my name to sell the ARM program to others for which I would receive a 3% (could be 5% I don’t remember the exact commission) site weather I wanted to or not. Antennas are rising even higher!• Next…when the ads on web bragged the box was a whopping 14lbs and that I was going to be charged $97 as the first payment and that I wouldn’t be charged the next payment for 5 days that sounded like it was going to be shipped overnight (as $97 would have been about right for overnight of 14 lbs.) and that the reason I was getting 5 days before I was charged again was so I could see the material…what with the no hassle guarantee ARM bragged on. (At this point I would suggest you view the Ally bank pony commercial) The package did not come overnight, it came in the number of days that would have cost $14 to ship and I was charged the second payment of $677 before I received the box…[if you think my radar was on by then your correct!]So now a week or more later the box arrives and by now I’m feeling that I might have been taken in but still I’m thinking maybe what’s in the box will be great and hey if I can find what I’m looking for ( a custom looking client binder it will still be worth the money) what the heck it’s only $2400 and I spend that all the time for this kind of stuff. Now I open the box (at this point you should view the Ally Bank toy truck commercial…find them on the web - type “ally bank truck” into google)In the top of the box is a document that instructs me to read this before I open any of the shrink wrap. It states IF I open anything (which I never did) then the only guarantee I am able to exercise is the 12 month guarantee and then adds a number of additional requirements not mentioned on the web or at the time of purchase one which is according to the laws of physics impossible to comply with [you can’t give something away to a client and still return it in like new condition(see below] and another that require I break the law. [Providing client asset information to a third party vendor is illegal] (see below). . My scam antenna are running full blast and by now I decide I’m not going to open anything as if the guarantee requirements have expanded and became impossible to comply with, then the software inside might be no different (apparently I was correct as others on this blog that have used the software have indicated it is basically an excel spread sheet that you are being charged $2400 for) So “Justasktony” ….Imagine for the moment I bought a mailing machine for my staff to use (you know it folds, inserts, seals etc.) it cost me thousands and was shipped in from Texas. (I did exactly that) If when it had arrived it was shrink wrapped in plastic and had a document in the top of the box that said in large type things written below…what would you do??? :• If I even took off the shrink wrap just to see what I was buying I couldn’t return it unless I complied with the impossible to comply with guarantee even if I never used it.• Did not appear to be what I was expecting (my client materials are all custom made and color coordinated for the affinity market the clients belong to and produced on our • Had a guarantee that was impossible to comply with (you are required to)o Use it on six clients - yet you are only provided with enough materials to use it three timeso Deliver pies to your clients (the return authorization actually requires you to indicate if you delivered a pie – now what do you think ARM will say when you ask for a refund and say you did everything else but didn’t deliver a pie??? (here’s a hint -ask your attorney)o Fill out and provide to ARM 6-8 ½ X 11 full pages of detailed personal and financial information on your client [which is illegal –ask your BD] including: (And I copy below verbatim)1. Client name2. Client Phone3. Client Assets Totals Under Your Management4. Financial products You’ve set Up For Your Client5. Client Assets NOT Under Your Management6. Did You Deliver And Review a Fully Assembled My Asset Journal Client Review Keeping System?7. During The Review, Did You Deliver Your Clients Favorite Pie?8. During The Review Did You Use Both Suitability Questionnaire Forms?9. During The Review Did You Look To Identify Underperforming Assets Set Up By Your Or Another Advisor?10.Describe Your Additional Asset Discovery Process During The Review.11.Describe Why Additional New Business Revenue Was Not Written? In addition to the other requirements which I will list later to request a refund you would be required to sign a certification stating:I hereby certify that I have used the Annual Review Millions client annual review system as instructed in the course during the attached six client reviews and did not find the system measured up to its guarantee. So not to violate the U.S. and international copyright laws, I hereby certify that I have in no way copied any of the Annual Review Millions course materials or software and that I have deleted any of the installed copies of Annual Review Millions software and am returning the materials in an undamaged, like new, resalable condition. Here are two objective facts:1. Providing this information to a third party vendor is a violation of client confidentiality and is against the law.2. According to the laws of physics it is impossible to give the ARM binders to six clients, and then return them in “undamaged, like new resalable condition” (even more puzzling is the fact ARM only provides three binders and requires you to give them to six clients)This is not a matter of poor attitude or half glass thinking, I have built my life, family and a very successful business on attitude and positive thinking. It’s just smart business, Why would I keep or even open an item (that was $2400 – and yes that is what you’ll pay over the first year) when I knew as soon as I saw the binders I was never going to use it?I would suggest that you go to Google and search for the Ally Bank commercials… especially the truck and pony commercials…you don’t have to try it to know that you are being bamboozled.And sometimes what other people think is great you think is terrible just go look at this link” insects for food” http://commons.wikimedia.org/wiki/File:Insect_food_stall.JPG not only do they make a living selling it but people actually buy it and feed it to their kids! They think it is great I wonder what you think of it… if they brought it to your table when you were expecting a filet would you return it without even trying it??? What if after you took even one bite you had to pay for it???What I would really like to see is how many people asked for and received a refund. I would imagine there are many that asked but few that received it.B2 wrote in post #28 a possible reasonable response that ARM could have written. I also wondered why ARM’s response to me wasn’t questions on how to better create the delivery binder instead this is what Mike wrote:Before I go further, I have a quick tale to share of two very different advisors, and of two VERY different stories...one advisor succeeds and the other...well, fails!- Bill Hackley -- Argyle, TX ... Orders Annual Review Millions end of December, 2009; completes his first review four days after Annual Review Millions arrives and writes a $345,000.00 case ... goes on to complete five additional reviews in January; writes a total of $850,000.00 business on four out of five reviews and earns $78,000.00 in commissions...and I could go on with many more stories like Bill's.- Dennis Lobach -- Hixson, TN ... Orders Annual Review Millions end of February, 2010; opens the box; cracks open the book; takes a quick look; decides he doesn’t like the COLOR???; never applies the system; maybe "borrows" a few good review ideas; intentionally violates purchase terms and conditions agreed to at time of purchase; intentionally violates return policy terms; calls up his bank and fabricates a "I got ripped off story" in order to leverage his bank into shorting the seller (appears to be an expert in the bank leveraging game); wastes a bunch of his time; wastes a bunch of others time; loses, never makes a penny; too prideful to admit that someone else may have created a better and more effective way; unwilling to learn ... And all the while NEVER calls with any questions or concerns! WOW... ...Pretty well sums it up!Dennis, your criticisms are totally and completely "baseless"...and I say this because of the empirical evidence the Annual Review Millions client review system has accumulated over the years and that it has on its side:- A 5+ year industry track record- Hundreds of licensees throughout the U.S.- Dozens of testimonials - Generated tens of millions in new revenue- As much as 80% review appointment close new business - And I could go on and on....This much I will say: I find your business practices quite unethical...Based on what I've seen, I certainly would not recommend a client to do business with your firm.For the sake of space and time I won’t bother here but I would be glad to provide my polite and business like email response to Mikes acerbic email above basically requesting again that I receive my refund in return for the unopened materials, I stated that that I had played fair and had not opened the packaging, nor looked at the manual or software (which by the way ARM now has proof of but has not apologized for accusing me of trying to rip them off [see above]) so as to not violate the additional return guarantee requirement in the box although they are different than on the web site… but after seeing the “Martian Green” Binder, paper and realizing the I was supposed to purchase plastic tab sets at the office supply store I concluded I would never use this in my practice, and although the End User License agreement in the top of the box and that Mike has helpfully inserted in post #24 stated that I had only accepted the license agreement if I opened the heat sealed packages which as I stated above I NEVER DID, ARM still tried to charge me . and Mike basically called me everything short of a monster for requesting a refund[see above] (which by the way they only very reluctantly agreed to a refund because I put myself in a position that gave me leverage…I would be surprised that many others have ever gotten a refund.)Mike points to Bill Hackley (and others) as “empirical evidence” and uses that claim on his webcasts and site however the only conclusion that might be surmised is that visiting current clients in the future produces more bus… not that the ARM system is the cause of the production. Any system might also produce the business as most of us in the business can attest to that revisit clients each year. In his email response to me he stated; that there were: ( Hundreds of licensees throughout the U.S. - Dozens of testimonials) why if there are hundreds of licensees/buyers are there only “dozens of testimonials”? Every program or system is going to have someone the has great results, normally because of something that is only relevant to then, (like the dog and pony shows that IMO ‘S hold touting the $20 million advisor, and advisors attend thinking they can be just like him her.) There are always a few at the top that are trotted out as the show horse.Perhaps the reason for his tirade and refund refusals is that a huge percentage of buyers want a refund???One thing you have to say for Mike is that if he has sold hundreds of these he is a sharp marketer. Personally I should have known better, every time someone tried to set me up on a blind date but would not show me a picture of the girl first it was …well you get the idea.Mike commented in post # 46 (while not addressing the point of my earlier post that the guarantee is impossible to comply with) that he knows of no other program that gives such a generous guarantee as ARM. Actually every other software and marketing package I have either bought, Kettley, Insmark, Leap, Financial Profiles (and yes I have purchased and either used or currently use those and many others) or considered,… The” Shield”, Who’s Helping You”, “Circle of Wealth” etc. have all either shown me the system on the web, or given me a trial of the software to use for a month on my own computer so I could see the system and view the output… but ARM will not even let you see the program not even what the binders look like until it is too late for you to decide not to proceed and then hooks you into an impossible to comply with guarantee requirement.Every training seminar I have attended, including the one I flew to last month and the one I am flying to next month all offer to refund my money if I’m not happy. I don’t have to give them my clients information, I’m not required to deliver my clients ‘favorite pie” – (and yes the guarantee in the package requires you to attest that you deliver your clients favorite pie…now for those of you with any legal contract background did you violate the return agreement if you (1). Did not deliver a pie, (2) delivered a pie but it wasn’t your clients favorite pie.- think not? Well surprise… ask your Attorney. (The point here is that the guarantee [which you can’t actually read verbatim before you commit to purchase= I’m sure that is a violation of the guaranteed on AM’s part] is full of clauses, and gotcha’s, that make it impossible to obtain a refund if AM either does not want to make a refund or you are not able to pressure ARM with some leverage…as I did)The bottom line is this • Mike can’t let anyone see this before he has their money• Can’t let anyone try this before he has their money• Had no intention of making refunds• Does anything he can to avoid making a refund• The annual review process can and is being done successfully by other than ARM users and decide. I would appear that all this could have been avoided if Mike/ARM had graciously refunded to the few that wanted refunds. We all have chargeback’s...I for one would have written a far different post… perhaps stating that it wasn’t for me however they were a pleasure to do business with and for someone that needed a system this may help them. At the very least I’m sure a few will avoid this unpleasant experience.As for me because of the leverage I employed I’m was able to get my money back and even if I hadn’t I would only be out $774 and that wouldn’t have changed anything, but Mike/ARM seems to have started a firestorm with a growing group of advisors and rather than, make a few refunds, ask what ARM could have done different and move on,(What a cheap price that would have been to find out just what advisors wanted in the product) he is now stirring up the firestorm even more, so I’m sure that as advisors do a search on ARM and Mike Gegelman he will lose many potential sales or worse get a reputation for being someone to avoid doing business with…I can think of many companies that started on this slippery slide and are no longer in business.And so to Mike personally, creating an annual review system showed that you have a sharp marketing mind, priced right and presented fairly everyone would use an annual review system that keeps track of their clients assets (I’m sure that someone will create one that will be better and less money than yours….someone always does… with everything)… You could have been nice, you could have been gracious, instead you acted and continue to act like the man in the Ally bank commercials, (Search youtube) and “Even a kid knows it’s wrong to hide behind fine print or hold out on somebody.” Studies have proven that a satisfied customer tells 2 to 3 people but unsatisfied people tell 10 to 20, and those people also tell everyone that ever asks about you or your company to avoid doing business with you, how many and how long do you think just those few on this blog will tell others to avoid you and any company you’re affiliated with??? Most people might not see this blog…but it would be a shame if someone started a blog entitled “The truth about ARM and Mike Gegelman” ... personally if I hadn’t gotten my money back I would have done it myself...for someone with a sharp marketing mind you sure blew it on this.FYI - AOL started the internet boom and though they had it all to their selves, along came everyone else that said ”hey that’s a good idea, but we can do it better and less expensive” and now… AOL after having lost nearly all their market share is fighting for their very existence by trying to reinvent themselves as a different company doing something totally different. I predict the same might very well happen to ARM. I believe this exposé should jump from this blog to the web for all the potential buyers for ARM to see before they purchase…perhaps we can prevent other unwary agents and reps from getting caught up in your web. Here’s my advice; change your ways. • Let agents see your materials in advance (just like every other reputable system does) [if I could have seen it I wouldn’t have ordered it – not argument over refunds – no posting on this blog etc. you would have been better off…if I still had bought I wouldn’t have had any grounds for returning the materials ]• Show agents your whole guarantee process in advance. Let them see the documents that they are required to sign. [Again if I could have seen it I wouldn’t have ordered it – not argument over refunds – no posting on this blog etc. you would have been better off…if I still had bought I wouldn’t have had any grounds for returning the materials based on the guarantee.I believe it was Warren Buffett that said :“We’ve never succeeded in making a good deal with a bad person.”I would seriously question what kind of person would purposely create a guarantee that can’t be complied with…perhaps this might provide a clue???Profile of the Sociopath• Glibness and Superficial Charm • Does not perceive that anything is wrong with them• Manipulative and Conning - They never recognize the rights of others and see their self-serving behaviors as permissible. They appear to be charming, yet are covertly hostile and domineering, seeing their victim as merely an instrument to be used. They may dominate and humiliate their victims. • Grandiose Sense of Self - Feels entitled to certain things as "their right." • Pathological Lying - Has no problem lying coolly and easily and it is almost impossible for them to be truthful on a consistent basis. Can create, and get caught up in, a complex belief about their own powers and abilities. Extremely convincing and even able to pass lie detector tests. • Lack of Remorse, Shame or Guilt - Does not see others around them as people, but only as targets and opportunities. The end always justifies the means and they let nothing stand in their way. FYI - I came back on this AM to post this and I read in post #53 another example of the utter confused thinking of ARM rather than addressing the fact that; you are required to violate the law by providing client information to exercise the guarantee process ARM/Mike states:In our licensing agreement, we encourage all of our licensees to always be mind full of and to fully comply with all federal, state and regulatory body laws. Since laws vary from jurisdiction to jurisdiction, we encourage each licensee to seek qualified counsel if ever in doubt. This is simply good business practice regardless of the system, whether it be a seminar system, a direct mail system, etc. If permission is required from the client in order to work any part of the system - or for that matter any other business development system -- then permission should be obtained by the licensee.Which one is it Mike…do we give you our client information and break the law to exercise the guarantee process or do we comply with or legal requirements and not disclose our client information and then not be able to comply with the ARM requirements???As I have previously stated it’s not a question of whether annual reviews work (everyone knows they work- and as far as I can tell most of us do them already) it’s the fact of your business tactics and your guarantee is designed to keep anyone from exercising it. Den LobachAnd yes DennyLobach is my real name (seeing that Mike knows who I am there is no sense in masking it) and I can be reached at my email eval(unescape('%64%6f%63%75%6d%65%6e%74%2e%77%72%69%74%65%28%27%3c%61%20%68%72%65%66%3d%22%6d%61%69%6c%74%6f%3a%44%4b%4c%40%52%65%74%69%72%65%6d%65%6e%74%53%65%63%75%72%65%2e%63%6f%6d%22%3e%44%4b%4c%40%52%65%74%69%72%65%6d%65%6e%74%53%65%63%75%72%65%2e%63%6f%6d%3c%2f%61%3e%27%29%3b'))
Wow. Mike G., you should have taken my advice and quit while you were ahead (if you ever were ahead??)
If thats not being OWNED I don't know what is. bwahahahahahahahahaha best post ever!!!!! what a tool this guy is.
You can put lipstick on a pig, but there's no way to disguise the oink.
Today, at 12:31pm EST I took another call from one of our new licensees ... Paige A. from the great state of Oklahoma. He's up $22,000.00 and counting...three weeks in and after completing just "1" full-blown system review! Even better, the system licensee cases studies that have we've posted about here, those advisors who are actually "using" and not "posting" about the system, based on industry standard industry comp rates, have all earned a combined $681,000.00 using this business development method. Best To All!Mike For more information about any of our business development programs, please visit:==> http://www.on2url.com/app/adtrack.asp?MerchantID=92732&AdID=472455To review all of of our customer testimonials, please visit:==> http://www.on2url.com/app/adtrack.asp?MerchantID=92732&AdID=472456
Would anyone who bought this crap please ID yourself so that we can make fun of you?
It's a real shame I missed this thread until now. Mike, until I read this thread, I'd never heard of you. After I read this thread, I wish I had those brain cells back for other future data storage. I actually visited your website. That picture is classic. Is that a faint pencil thin moustache? Suspenders? Seriously? You really should get a new photo that doesn't make you look like such an, how do I say this nicely, annuity salesman. They say you have, what, 10 seconds to make a good impression. Well, I hate to break it to you... BTW, you talking while I'm trying to read your text is really annoying. The fact that I read it all before you were done talking means that you talk to much. But then I read quickly and I hate websites that talk to me with me clicking on something. If I were going to spend money based on testimonials on a website, I wouldn't be purchasing your system. I'd be buying a ticket to one of Matt Oeschli's Rainmaker weekends. You make a big deal out of the handful of testimonials you've posted for us to see here. They total $7,641,000. And I had to go back and search for those in these threads. On Oeschli's site, he has four or five testimonials (that I didn't have to give him my email to see), and just two of them have brought in a combined $112 million. That's over a $1 mil a year in recurring revenue. Makes your one time $681K look pretty sad.I've never been to Oeschli's weekend classes. I've never read his books. I do read his column in this magazine every month. So if you're trying to become the next best thing in asset gathering in this business, you might want to take a few lessons from Matt. His marketing is much better than yours. That much is obvious.
Mike will never answer your questions. He is like all the politicians who have talking points and no matter what you ask them they stay on point and only answer from their agenda. What is interesting is that Mike keeps pointing out this advisor and that advisor who all have clients with assets hidden from the advisor until they use the ARM system on the client. I'd say they were very inefficient advisors that had clients who had that much money and the advisors either didn't know about it or couldn't get to manage it. Then when they do what they should have been doing all along – visiting the clients annually and reviewing their situation- and the client “fesses up” that they have other assets. The advisors all call Mike and “like OMG I like wrote like this big case…Mike like you are a GOD” Sounds like the charlatans that took credit for making it rain I wonder what would have happened if they had given the client a high quality leather like embossed binder with custom printed tabs (like the ones I have used in the past and are on sale now from Oechsli.com for $30 to $45 right now) when they first met the client and instructed the client to list all their assets in the binder – which they all will do) and then did what they are supposed to do with clients and visit every year and go over the assets the client has.- I can tell you personally what happens…if you know your business you eventually end up with all the clients assets. FYI Oechsli.com will let you download the manual for free. PDF document The only difference between the two is Oechsli.com charges $50 and gives you the manual for free ARM charges you over $2000. Let me see which should I try…ummmmh…can I think about this for a while? (BTW think that is a picture of the “Martian Green” binder from ARM I think most of us here are just having a little entertainment exposing the whiney kid at school who lies about all the things he has done. But Mike is earnestly spending an enormous amount of time and energy doing damage control and in the end has only exacerbated the problem even more. And now Mike wants to “kick it up a notch” I would suggest that’s a great idea…except I not on his terms but instead let’s stay on message and expose to all the potential buyers on the web the:
Smart people know when to quit but...sociopaths…never know when to quit until they have destroyed even themselves.
haha Martian Green... thats funny. you mean people really expect a professional to slide that across a table and impress a client with their CCIMS!!! (confidential client information management system) wow just wow
jollywood wrote:Well, what does everyone think of gagme's crappy excel workbook?It says the file is no longer there. Still got it?I've got to say - I was feeling less than satisfied with the Lost finale a couple of weeks ago. But this drama was awesome.
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