No — no one has ever been prosecuted for lawfully executing the 12-411 process through Wealth Guaranteed. In order for a prosecution to take place, the government must first establish criminal intent — meaning the individual knowingly and willfully attempted to break the law or defraud the system. But ask yourself: What is the criminal intent in following a federal statute exactly as it was written and authorized by Congress? There is nothing illegal about using Title 12 U.S.

The IRS is fully aware of the 12-411 process — and rightfully so, considering it is a 111-year-old federal statute created by the Federal Reserve, the very entity that gave birth to the IRS itself. This is not a hidden or underground loophole. It’s a codified legal remedy that exists within Title 12 of the U.S. Code — not the Internal Revenue Code — because it’s a banking process, not a tax strategy. So what does the IRS think? They know the process is legitimate, because it

Yes — you are still required to file a tax return because you are classified by law as a taxpayer. The 12-411 process does not exempt you from filing; it exempts you from having to pay income tax on your earnings. Here’s why filing is still essential: Filing a tax return is how you remain compliant with the IRS and avoid penalties or enforcement actions The only way to receive a refund from the IRS is by filing a Form 1040, their standardized tax return Filing under the 12-41

In short — no, the 12-411 process does not trigger IRS audits, and we have never had a single client audited after going through this process. To understand why, it’s important to know what actually triggers an IRS audit: You declare your income as taxable By doing so, you grant the IRS legal jurisdiction over your earnings. This opens the door for scrutiny and enforcement. You claim questionable deductions or credits Most audits are triggered when the IRS sees excessive or i

If you’re currently on a payment plan with the IRS, you can still enroll in the 12-411 process. However, it’s important to understand that this process does not automatically cancel or dissolve your existing IRS payment agreement. Each tax year you’ve filed in the past is a contractual agreement with the IRS, and if you’ve acknowledged a debt and entered into a payment plan, that obligation still stands. What the 12-411 process can do, however, is help you pay off your IRS de

Yes — self-employed individuals absolutely qualify for the 12-411 process. In fact, many of our clients are business owners, freelancers, or independent contractors who are looking for a way to eliminate their income tax burden legally and permanently. That said, it’s important to understand a key distinction: The 12-411 process eliminates federal and state income tax liability, but it does not eliminate self-employment tax (also known as FICA, which covers Social Security an

Yes — retirees and seniors absolutely qualify for the 12-411 process, and in many cases, they benefit even more than working professionals. Whether you’re receiving Social Security, pension income, 401(k)/IRA distributions, or investment returns, all of those income streams can be lawfully redeemed and reclassified as non-taxable under Title 12 USC § 411. The process allows retirees to: Keep 100% of their Social Security income tax-free Avoid capital gains taxes on retirement

Yes — businesses can absolutely undergo the 12-411 process and file a 12-411 tax return. This will eliminate your federal and state income tax liability at the corporate level. However, there is one key exception: If your business is structured in a way that subjects it (or you) to self-employment tax — such as through an S-Corp, sole proprietorship, or certain partnerships — that specific portion of tax liability may still apply. Here’s why: Self-employment tax represents So

If you’re a 1099 contractor or self-employed, it’s important to understand that not everyone receives a physical refund check through the 12-411 process — and that’s perfectly normal. Refunds are only issued when taxes have been prepaid during the year, typically through withholdings (as with most W-2 employees) or estimated tax payments. If you haven’t prepaid taxes — as is common for many 1099 earners — then the IRS has nothing to return to you So while you may not get the

No, the 12-411 process is not limited to W-2 or 1099 earners — it applies to any form of income, whether earned or unearned, realized or unrealized. The process lawfully avoids triggering taxable events on a wide range of income types, including: W-2 wages 1099 income Rental income Capital gains Pension income Social Security Lottery winnings Crypto income Grant income K-1 distributions Shareholder distributions Gambling winnings Promissory notes Sales income …and virtually a

Yes — individuals with back taxes can still enroll in the 12-411 process. However, it’s important to clarify that the process does not automatically eliminate or erase past tax debt. Each tax return you’ve filed in previous years is treated by the IRS as a separate, binding agreement — a contract you voluntarily entered into under penalty of perjury, agreeing to pay a specific amount. The 12-411 process does not retroactively void those contracts. That said, the process can s

No — the 12-411 process is not limited to high-income individuals. Whether you earn $30,000 or $300,000 per year, this process can help you eliminate your federal income tax liability and keep 100% of your paycheck. It is especially valuable for those seeking to preserve wealth, reduce unnecessary tax burdens, or legally exit the conventional tax system — regardless of income level. The process works the same for every qualified client. What you earn has no bearing on your el