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Tax Insights


How long does it take to receive my 100% refund by using Wealth Guaranteed’s 12-411 process?
The 12-411 process is designed to be fast, efficient, and fully automated with the help of Wealth Guaranteed’s proprietary software. Here’s what you can expect in terms of timing: Step 1: Completing the 12-411 Process Using Our Software – 1-2 weeks Once you gain access to the 12-411 client portal, you’ll go through our stepby-step automated system, which typically takes about 2 weeks to complete. This includes document preparation, government communication, and submission of
Wealth Guranted
Oct 251 min read


Does filing your taxes this way make it difficult to obtain mortgages or financing from banks?
In our six years of experience, none of our clients have ever reported being unable to secure a mortgage or financing due to the 12-411 process. Your tax return will still show your gross income, which is what most lenders focus on. However, since your taxable income will be $0.00, some lenders may have specific requirements. If a lender doesn’t accept this tax filing structure, simply work with another lender that offers: Bank statement loans Low-document or no-document loan
Wealth Guranted
Oct 251 min read


How can I be assured that this isn’t “too good to be true?”
We completely understand the skepticism—many of our clients felt the same way before learning how the 12-411 process legally eliminates income tax. However, what makes this different from “too good to be true” schemes is federal law. 12 USC 411 has been part of the U.S. legal code for over 100 years, and the IRS itself acknowledges that the tax system is based on voluntary compliance (26 CFR 601.602(a)). Additionally, Wealth Guaranteed has a 100% success rate with our 12-411
Wealth Guranted
Oct 251 min read


Do you have attorneys that can back me up if I’m the first one to be challenged?
We work alongside some of the nation’s top corporate attorneys, ensuring that our process is backed by legal expertise. However, in our six-year history, we have never had a single client challenged or faced any legal issues with the 12-411 process. The reason is simple: this process is rooted in federal law and is applied correctly from the start. The IRS operates within its own legal framework, and when you follow the proper procedures, there is no basis for a challenge. Th
Wealth Guranted
Oct 251 min read


Have any of your 12-411 clients been challenged by state or federal Tax Collectors? What’s the worst that’ s happened?
No, none of our 12-411 clients have ever been challenged by the IRS or state tax collectors. The worst thing that happens? Occasionally, the IRS may send a letter stating they need more time to review the tax return. This is completely normal and nothing to be concerned about, as no one in the United States can control how long the IRS takes to process tax returns. What’s most important is that in our six-year history, the IRS has never challenged, rejected, or denied a prope
Wealth Guranted
Oct 251 min read


What are the drawbacks of doing this process?
The 12-411 process comes with some trade-offs that you should be fully aware of before proceeding. By legally opting out of paying the federal income tax by using 12 USC 411, you will lose the right to: Serve on a jury Vote in federal elections (presidential, congressional, etc.) Earn interest on bank accounts (since interest is considered taxable income under federal law) Be employed by the federal government (or receive a federal salary, pension, or benefits tied to taxpaye
Wealth Guranted
Oct 251 min read


Will I Lose benefits like Social Security or Medicare by using Wealth Guaranteed’s 12-411 Process?
One of the biggest concerns people have when considering the 12-411 Process is whether it will impact their eligibility for Social Security (SS), Medicare, or other government benefits. The simple answer is NO—you will NOT lose your Social Security or Medicare benefits by redeeming your income as lawful money under 12 U.S.C. § 411. Why Social Security & Medicare Are NOT Affected Social Security & Medicare Are Not Tied to Income Taxes Social Security and Medicare are funded th
Wealth Guranted
Oct 252 min read


Can you explain how the Federal Reserve Creates Money Out of Thin Air & Why High Taxes are needed to Maintain the Illusion of Government Funding?
The Federal Reserve operates under a system called “fractional reserve banking,” which allows money to be created from nothing. Step 1: The Federal Reserve “Buys” Treasury Bonds When the U.S. government needs money, it issues Treasury Bonds— essentially IOUs that promise to pay interest in the future. The Federal Reserve “buys” these Treasury Bonds, but instead of using real money, it simply creates new dollars out of thin air by making a digital entry on a computer. The Fed
Wealth Guranted
Oct 253 min read


What does ‘Voluntary Compliance’ mean?
Understanding Voluntary Compliance and How to Opt Out of Paying Income Tax Using 12 USC 411 Taxes Are Voluntary Per 26 CFR 601.602(a) Most Americans believe that paying income taxes is mandatory, but the IRS itself confirms that the tax system is based on voluntary compliance. The Code of Federal Regulations (26 CFR 601.602(a)) states: “The tax system is based on voluntary compliance, and the taxpayers complete and return the forms with payment of any tax owed.” This means th
Wealth Guranted
Oct 252 min read


Why am I just finding out about Wealth Guaranteed’ s 12-411 Process if it has been an option all along?
We take a very intentional approach to how we connect with clients. For the last six years, about 85% of our clients have come to us through word-ofmouth referrals—friends, family members, or co-workers who have successfully completed the process and want to share their experience. We don’t rely on paid advertising or mass marketing campaigns because we prioritize controlling our client volume and maintaining the highest level of personalized support. By focusing on referrals
Wealth Guranted
Oct 251 min read


How does this process affect state income tax? Will I still need to pay?
The 12-411 process is a federal process—meaning it is structured under federal law and guarantees full compliance and success at the federal level. While most states that impose an income tax typically reciprocate the results of your federal filing, we can only guarantee success federally. That said, in the vast majority of states, once your income is legally reclassified and filed under the 12-411 process, your state return will reflect Wealth Guaranteed Company, ETO. (737)
Wealth Guranted
Oct 251 min read


What if the government changes the law and takes away 12 USC 411?
When President Franklin D. Roosevelt confiscated all the gold in 1933 through Executive Order 6102, the federal government needed a remedy to counterbalance this massive action. As a result, Title 12 was expanded to include language from Section 16.1 of the original Federal Reserve Act, which states that Federal Reserve Notes may be redeemed for lawful money upon demand. This law was essentially a trade-off: the government seized the nation’s gold, and in return, provided a l
Wealth Guranted
Oct 251 min read
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