DBR Fast Start

Dreams Business Resources · 5-Week Training System

"You are in business for yourself,
but not by yourself."
— Mike Hinsvark, Senior Agency Partner

⚡ AI-Powered Onboarding System — DBR 2026

YOUR 5-WEEK
FAST START

Dreams Business Resources · New Consultant Training Program · Built to duplicate success, build residual income, and ignite your legacy.

Training Weeks

$5M+

R&D Credits

250K

Employee Goal

$900

Annual Savings/EE

Your Training Roadmap

Week 1 · Welcome & Foundation

Activate your Back Office, watch the 17-min overview, download Fast Start docs, and begin contacting 10 professionals per day. The foundation of everything.

Enter Week 1 →

Week 2 · Tax Credits

Master R&D Tax Credits (avg $250K–$300K) and FICA Tip Credits. Learn to position yourself as a tax credit advocate to CPAs and business owners.

Enter Week 2 →

Week 3 · Bank Breezy

Business funding from $5K–$500K+. Learn to pair capital access with tax savings for an irresistible value proposition. Complete certification to unlock 40% commission.

Enter Week 3 →

Week 4 · Quantum Health

Section 125 plans saving employers $600–$900 per employee per year. 100 employees = $1,200–$1,950/month residual. This is RenewalsForLife in its purest form.

Enter Week 4 →

Week 5 · AI Agent Team

Deploy your 3-agent AI architecture: CEO Orchestrator, Recruiting Agent, and B2B Sales Agent. Scale outreach from 10/day to 50–100+/day without more hours.

Enter Week 5 →

💰 Compensation Plan

Rank structure from 20% to 65%+, generational overrides up to 25% across 6 generations, and the Fast Track path to 60% commission in 90 days.

View Comp Plan →

Mike Hinsvark · Senior Agency Partner

"The system is proven. Your job in Week 1 is to duplicate success, not reinvent it. Find a successful person and do what they do — imitate, don't create. Everything you need is in this training center."

Essential Links

🏠 DBR Back Office 📅 Training Calendar 🎓 Training Center 📺 Training Replays 📁 Fast Start Docs 🎬 17-Min Overview 📊 iDecide 📊 iDecide — GOALL IUL 🤝 Alliance Partner List 🌟 RenewalsForLifestyle

Overview

Bank Breezy Funding

Products & Targets

Funding Options

Certification

10% → 40% Commission

Scripts

Pivot & Combo Pitch

Week 3 Email

Capital Conversation

WK3

BANK BREEZY — CAPITAL IS THE CONVERSATION OPENER

Business Funding $5K–$500K+ · No Collateral · 24–72 Hour Decisions

📧 Subject: Week 3: Bank Breezy — Capital Is the Conversation Opener

$5K

Minimum Funding

$500K+

Maximum Funding

72 hrs

Fast Decisions

40%

Certified Commission

🏦 What Is Bank Breezy?

Business funding platform connecting owners to lines of credit & working capital
No collateral, no hard pull for initial pre-qualification
Funding from $5,000 to $500,000+ for qualified businesses
Fast approvals — some decisions in 24–72 hours
Perfect complement to the tax savings conversation
Business owners use funding to grow WHILE tax credits are in process

🎯 How to Position Bank Breezy

Lead with the savings story (Section 125, R&D) — then pivot to funding
"While your tax credits process, let's make sure you have capital to act"
Business owners saving $50K–$100K want to reinvest — help them access capital
Funding opens doors: payroll, equipment, hiring, marketing
Referral partner model — connect and earn without being a lender
Great opener at Chamber of Commerce & networking events

📋 Client Qualification Checklist

In business 6+ months with verifiable revenue
Minimum $10,000/month in gross revenue (many programs lower)
Business bank account in good standing
Owner has basic ID and EIN documentation
No active bankruptcy proceedings
Higher revenue = more options, better rates

💡 Top Prospecting Targets

Restaurants needing equipment upgrades or expansion capital
Contractors: seasonal cash flow needs are universal
Medical/dental practices managing insurance receivables lag
Retail shops preparing for seasonal inventory builds
Trucking & logistics: fuel, fleet maintenance, payroll timing
Any business owner who said "I wish I had more capital to grow"

💡 Power Combo Strategy Pair Bank Breezy with R&D Credits and Section 125. A business saves $60K in payroll taxes, gets $250K+ in R&D credits, AND accesses $150K in working capital. You are not a salesperson — you are a financial transformation partner. That is a client for life.

▶

Bank Breezy (David Allen Capital) — Partner Overview & Training

Watch the full partner overview before your first client conversation · Understand products, qualifications, and submission process

Week 3 Resources

▶ Bank Breezy Partner Overview 📁 Bank Breezy Docs Folder

Bank Breezy Products & Targets

Know what you're offering before your first conversation

💼 Funding Product Types

Business Lines of Credit — revolving access to capital as needed
Merchant Cash Advances — based on future revenue, fast approval
Term Loans — fixed repayment for larger capital needs
Equipment Financing — fund specific equipment purchases
Invoice Factoring — advance on outstanding invoices
SBA Loan Assistance — guidance for government-backed loans

🏆 Ideal Client Profile

6+ months in business with consistent revenue
$10K+/month gross revenue (some programs start lower)
Owner motivated to grow — not just survive
Already working with you on tax credits (warm relationship)
Seasonal business needing bridge capital between cycles
Business expanding and needing capital to execute

Funding Range

$5K–$500K+

Decision Speed

24–72 hrs

Commission (Uncertified)

10%

Commission (Certified)

40%

Bank Breezy Certification

Required before submitting client applications

🏆

Bank Breezy Certification — Required

Bank Breezy has its own dedicated certification program. New reps must complete the Bank Breezy certification before submitting client applications. Completing the certification unlocks a significant compensation increase.

💰 Commission Bump: Completing the Bank Breezy certification increases your compensation from 10% to 40% on Bank Breezy placements. This is a requirement, not optional — and the math makes it obvious why.

Complete Bank Breezy Certification via Your DBR Back Office → Contact your direct leader to receive your personal Bank Breezy invitation link.

💡 Why Certification Matters The certification takes a few hours. The pay increase lasts forever. At 40% commission on a $150K funding placement, you earn $60,000. At 10%, you earn $15,000. The certification pays for itself on the first deal — many times over.

📋 Certification Covers

Understanding all Bank Breezy funding products
Client qualification criteria and documentation
Application submission process and timeline
How to present funding options to business owners
Compliance and disclosure requirements
Commission structure and payment timeline

✅ After Certification

Submit client applications directly through the platform
Track application status in real-time
Earn 40% commission on all funded deals
Access to full product suite and funding options
Direct support from Bank Breezy team
Ongoing training and product updates

Week 3 Scripts

Bank Breezy Pivot & Combo Pitch

📞 Bank Breezy Pivot Script

"We've already identified $50,000+ in payroll tax savings for your business. While those funds process, one question: would you be opposed to a quick pre-qualification that could give you access to $150K+ in working capital — no hard pull, no collateral? Most business owners say yes to that in about 3 minutes."

📞 Cold Opener — Capital First

"Hi [Name], I work with business owners in [city] who are looking to access capital to grow. We have a platform that pre-qualifies businesses for $5,000 to $500,000+ in working capital — no hard credit pull, decisions in 24–72 hours. Would you be opposed to a 5-minute pre-qualification call this week?"

📞 The Full Combo Pitch

"Let me tell you what I do in one sentence: I help business owners save money on taxes, recover federal credits they're already entitled to, and access capital to grow — all at zero cost to implement. For a business your size, we're typically talking $50,000 to $300,000+ in combined value. Would you be opposed to a 20-minute conversation this week?"

🎯 The Power Combo Close When you combine Bank Breezy with R&D Credits and Section 125, you become a financial transformation partner — not a salesperson. Clients who see all three solutions rarely say no. Lead with the one that resonates most for their industry, then introduce the others.

Week 3 Training Email

Send to reps entering their third week

Week 3 Training Email

Week 3: Bank Breezy — Capital Is the Conversation Opener

Every business owner wants two things: save money and access capital. Bank Breezy gives you an irresistible reason for any business owner to take a meeting.

When you lead with "I can save you $50K in taxes, help you capture $250K in R&D credits, AND get you access to $150K in capital" — the meeting books itself. You just need to show up.

Important: Before submitting client applications, complete the Bank Breezy Certification in your DBR Back Office. Certified reps earn 40% commission vs. 10% without it. The certification takes a few hours. The pay increase lasts forever.

Capital opens doors. Open doors build your residual empire.
— Mike Hinsvark, Senior Agency Partner · Dreams Business Resources · mikeceo@gmail.com

Overview

Quantum Health Plans

Section 125

FICA Savings Mechanics

Residual Income

The Math That Compounds

Scripts

Employer Openers

Week 4 Email

Residual Foundation

WK4

QUANTUM HEALTH EFFICIENCY PLANS

Section 125 · Trumark Health · CRC Benefits — 150+ Carriers · 250K Employee Goal 2026

📧 Subject: Week 4: The Health Benefits Strategy That Saves Employers $600–$900 Per Employee Per Year

$900

Max Savings/EE/Yr

$1,950

Monthly / 100 EE

150+

CRC Carriers

250K

2026 EE Goal

⚡ Section 125 / Quantum Plan — Core Mechanics

Section 125 Cafeteria Plan: employees pay premiums with pre-tax dollars
Employer FICA savings: $600–$900 per enrolled employee per year
Minimum 25 employees (or 10 for Chamber of Commerce participating members)
Employee take-home pay increases without a raise — retention gold
Quantum Fully Insured Plan adds rich supplemental benefits at $0 cost to employees
78% of Americans consider switching jobs for better benefits

🏥 Trumark Health & CRC Benefits

Group health through Trumark Health Agency partnership
CRC Benefits: access to 150+ carriers for group health & ancillary
BenefitMall: additional platform for group health placements
Major Medical + Gap, Critical Illness, Accident, Hospital Indemnity
Prescription Drug Plan · 24/7 Telemedicine · WellCare Benefit
Virtual Veterinary Care · Zig Ziglar Life Coaching included

💰 Residual Income Math — Per Contract

Agent earns $30 PEPM (per employee per month) at group level
On personal sales: $12–$19.50 PEPM
100 employees = $1,200–$1,950/month for the life of the contract
10 employer accounts of 100 EE = $12,000–$19,500/month residual
Renewals: paid every year without re-selling — compounding forever
This is the RenewalsForLife model in its purest form

🎯 Target Employer Profile

25+ employees standard · 10+ with participating Chamber of Commerce
No current group health plan: easiest entry point
High-turnover industries: restaurants, retail, landscaping, janitorial
Already paying FICA: every dollar saved is found money for the owner
Chamber of Commerce members: lower minimums = wider prospecting pool
Current Quantum customers: upsell Trumark Health group benefits

🚀 Trumark 250K Employee Goal — Active 2026 Initiative Trumark Health's goal is enrolling 250,000 employees in 2026. This is your moment to plant flags, build residual income, and be recognized as a top producer. Every enrolled life pays you monthly — forever. The Chamber of Commerce partnership means businesses with as few as 10 employees qualify.

📋 Quantum Plan Benefits Hospital Indemnity · Emergency Room · Ambulance Service · Critical Illness & Accident · Daily Inpatient Surgery & Anesthesia · Prescription Drug Plan · 24/7 Telemedicine · WellCare Benefit · Virtual Veterinary Care · Zig Ziglar Life Coaching — all at $0 out-of-pocket cost to employees.

▶

Quantum Fully Insured 125 Payroll Tax Update — With Jeff Kropholler, CEO of Quantum (02/24/26)

Passcode: @uAPzZ1F · Must-watch before your first employer presentation

Week 4 Resources

▶ Quantum Training Replay 📁 Quantum Health Docs ⭐ Quantum Testimonials 🎓 Trumark Training Center

Section 125 — The FICA Savings Engine

How the Quantum Plan saves employers $600–$900 per employee per year

How Section 125 Works A Section 125 Cafeteria Plan allows employees to pay their benefit premiums with pre-tax dollars. This reduces the employee's taxable wages, which in turn reduces the employer's FICA obligation (7.65% of wages). For every $1,000 in pre-tax benefits, the employer saves $76.50 in FICA taxes — and the employee takes home more pay without a raise.

📊 FICA Savings Calculation

Employee pays $100/month in pre-tax benefits
Employer FICA savings: $100 × 7.65% = $7.65/month per employee
Annual savings per employee: $7.65 × 12 = $91.80 minimum
With Quantum plan at $65–$75/month premium: $600–$900/EE/year
100 employees = $60,000–$90,000/year in employer FICA savings
IRS compliant · Available in all 50 states · A-rated carriers

🎯 Employer Value Proposition

Zero cost to implement — the FICA savings fund the plan
Employees receive rich benefits at $0 out-of-pocket cost
Employer retains $600–$900 per employee per year in savings
Reduces employee turnover — 78% consider switching for better benefits
Improves recruiting — "we offer full benefits" is a competitive advantage
Chamber members qualify with just 10 employees

Savings per Employee/Year

$600–$900

100 EE Monthly Residual

$1,200–$1,950

10 Accounts × 100 EE

$12K–$19.5K/mo

The Residual Income Math

This is why Quantum is the foundation of RenewalsForLife

One Employer. 100 Employees. $1,950/Month. Forever. That's the math. Go build it. Every enrolled life pays you monthly — without re-selling. Renewals are paid every year automatically. This is compounding residual income at its purest.

📈 Income Scenarios

1 account × 50 EE = $600–$975/month
1 account × 100 EE = $1,200–$1,950/month
5 accounts × 100 EE = $6,000–$9,750/month
10 accounts × 100 EE = $12,000–$19,500/month
20 accounts × 100 EE = $24,000–$39,000/month
Each account renews annually — income compounds without re-selling

🔑 Keys to Building Fast

Join your local Chamber of Commerce — 10-EE minimum for members
Target high-turnover industries: restaurants, retail, landscaping
Lead with FICA savings — "zero cost to you" closes the conversation
Use iDecide presentation for employer meetings
Complete Quantum Certification before first employer presentation
Each CPA you partner with has employer clients who qualify

📚 Quantum Certification — Complete in Trumark Training Center A Quantum quiz and certification is available in the Trumark Training section of your DBR Training Center. Complete this certification before conducting employer presentations. This is your credibility credential with business owners and HR teams.

Week 4 Scripts

Quantum & Section 125 Employer Openers

📞 Quantum Opener — Business Owner

"Most business owners with 25+ employees are overpaying on FICA taxes every single payroll. With a Section 125 Quantum Plan, your employees get $0 out-of-pocket benefits including telemedicine, hospital indemnity, and life coaching — AND you keep $600–$900 per employee per year in your pocket at zero cost to implement. Would you be opposed to a free analysis on your payroll this week?"

📞 Chamber of Commerce Opener (10+ EE)

"Hi [Name], I work with Chamber members to help them offer their employees full benefits at zero cost to the business — while saving the employer $600–$900 per employee per year in payroll taxes. As a Chamber member, you qualify with as few as 10 employees. Would you be opposed to a 15-minute call this week to see what your savings would be?"

📞 HR Professional Opener

"Hi [Name], I specialize in helping HR teams offer employees richer benefits without increasing the company's benefits budget. In fact, the program I work with actually reduces employer FICA costs by $600–$900 per enrolled employee per year. Would you be open to a brief conversation about how this could benefit your workforce?"

Week 4 Training Email

Send to reps entering their fourth week

Week 4 Training Email

Week 4: Quantum Health — Build Your Residual Foundation

This week you're learning the product that creates lifetime residual income: Quantum Health Efficiency Plans through Trumark Health and CRC Benefits — giving you access to 150+ carriers.

100 employees enrolled = $1,200–$1,950/month for the life of the contract. 10 accounts = $12,000–$19,500/month. That compounds every year without re-selling. THIS is RenewalsForLife.

Must-do this week:
✅ Watch the Quantum Training replay with Jeff Kropholler (link above)
✅ Complete Quantum Certification in Trumark Training Center
✅ Identify employers in your area with 10+ employees (Chamber) or 25+
✅ Schedule 3 employer appointments using the iDecide presentation

Chamber of Commerce members can qualify with just 10 employees — that opens your market dramatically. Join your local Chamber if you haven't already.

One employer. 100 employees. $1,950/month. Forever. That's the math. Go build it.
— Mike Hinsvark, Senior Agency Partner · Dreams Business Resources · mikeceo@gmail.com

💰

DBR INCOME CALCULATOR

Model your residual income potential across all DBR products

Section 125 / Quantum Health Residual

Quantum Health Residual Calculator

Number of Employer Accounts

Average Employees per Account

PEPM Rate ($12–$19.50)

Monthly Residual:$3,750

Annual Residual:$45,000

5-Year Compounded:$225,000

R&D Tax Credit Income

Placements per Year

Average Credit Size ($)

Your Commission % (5–12%)

Income per Placement:$20,000

Annual R&D Income:$80,000

Bank Breezy Funding Income

Funded Deals per Year

Average Funding Amount ($)

Commission % (10% or 40%)

Income per Deal:$30,000

Annual Bank Breezy Income:$180,000

💰 Total Annual Income Projection

Quantum Residual (Annual):$45,000

R&D Tax Credits (Annual):$80,000

Bank Breezy (Annual):$180,000

TOTAL ANNUAL:$305,000

MONTHLY AVERAGE:$25,417

⚠️ Disclaimer These calculations are for illustration and goal-setting purposes only. Actual income depends on individual activity, market conditions, and product placement. DBR does not guarantee any specific income. Results vary based on effort, skills, and market factors.

Overview

Prospecting System

LinkedIn Strategy

Profile & Outreach

Chamber & Events

Networking

Target Industries

Who to Call

Follow-Up System

5-Touch Sequence

📋

PROSPECTING HUB

Daily Activity System · Target Industries · Scripts · Follow-Up

New/Day

Follow-Ups/Day

5-touch

Sequence

Event/Week

🎯 The 10-10-30 Daily System

10 new contacts per day — LinkedIn, phone, email, or in-person
10 follow-ups per day — from your existing pipeline
30 minutes of DBR training content daily
Log every activity in your Back Office CRM
Review your pipeline every morning — identify top 3 priorities
One networking event per week minimum

🏆 Top Prospecting Targets

CPAs & Accountants — R&D credits + FICA Tip + Section 125
Payroll Companies — ADP, Paychex clients are ideal
HR Professionals — Section 125 + Quantum Health
Restaurant Owners — FICA Tip + Bank Breezy
Manufacturers — R&D credits (highest average credit)
Business Owners 25+ EE — Full suite opportunity

Prospecting Resources

🤝 Strategic Alliance Partner List 📁 Fast Start Docs 🪪 Order Connect Cards

LinkedIn Strategy

Your digital storefront — optimize it before outreach

👤 Profile Optimization

Professional headshot — first impression matters
Headline: "Helping Business Owners Save $50K–$300K+ in Taxes & Access Capital"
About section: value-first, not a resume — what do you do for clients?
Featured section: link to iDecide or RenewalsForLife.com overview
Experience: position DBR as a financial consulting practice
500+ connections before heavy outreach — social proof matters

📨 Outreach Message Templates

Connection request: 300 chars max — be specific about why you're connecting
First message after connection: value-first, no pitch
Second message (3 days later): share a relevant insight or article
Third message (7 days later): soft ask for a 15-minute call
Use Dreams Engager Pro to automate at scale
Post 1 educational piece of content daily — builds inbound interest

📱 LinkedIn Connection Request Message

"Hi [Name] — I work with [industry] professionals to identify federal tax credits and payroll savings most businesses don't know they qualify for. Would love to connect and share what I'm seeing in your space."

📱 First Message After Connection

"Thanks for connecting, [Name]. I specialize in helping businesses like yours identify R&D Tax Credits (avg $250K) and Section 125 FICA savings ($600–$900/employee/year). Not a pitch — just wanted to share what I'm seeing. Would a quick 15-min call this week make sense?"

Chamber of Commerce & Networking

In-person relationships close faster than digital

💡 Chamber Membership = Lower Quantum Minimums Chamber of Commerce member businesses qualify for Quantum Health plans with just 10 employees instead of 25. Join your local Chamber. Attend every event. Every member is a potential Quantum client.

🏛️ Chamber Strategy

Join your local Chamber of Commerce immediately
Attend every mixer, breakfast, and networking event
Bring Connect Cards (order at erctrainers.com)
Lead with the savings story: "I help Chamber members save $600–$900 per employee in FICA taxes"
Ask for referrals to other Chamber members
Sponsor a Chamber event for maximum visibility

🤝 BNI & Networking Groups

BNI (Business Network International) — one rep per industry per chapter
Rotary Club — business owners and professionals
Industry associations — accounting, HR, payroll, restaurant
Small Business Development Centers (SBDC)
Local business expos and trade shows
Lunch & Learns: host for CPAs and HR groups

Target Industries

Who to call and what to lead with

Target	Best Product	Opener	Avg Value
CPAs / Accountants	R&D + FICA Tip + Sec 125	Strategic Alliance Partner	$250K+ per client
Restaurants (20+ staff)	FICA Tip + Bank Breezy	FICA Tip Credit analysis	$20K–$60K/yr
Manufacturers	R&D Tax Credits	R&D credit analysis	$250K–$5M+
Software Companies	R&D Tax Credits	PATH Act startup credit	$100K–$500K
Employers 25+ EE	Section 125 / Quantum	FICA savings analysis	$1,200–$1,950/mo
HR Professionals	Section 125 + Quantum	Benefits without budget	Referral pipeline
Payroll Companies	Full Suite	Client value-add partner	50–300 client pipeline
Hotels / Casinos	FICA Tip + Quantum	Tipped employee credits	$30K–$100K/yr
Contractors	Bank Breezy + R&D	Capital + innovation credits	$50K–$300K
Medical / Dental	R&D + Quantum	Innovation + benefits	$100K–$500K

5-Touch Follow-Up Sequence

Most reps give up after 1 touch. Don't be most reps.

The Fortune Is in the Follow-Up 80% of sales require 5+ follow-up contacts. Most reps give up after 1–2. Your 5-touch sequence is your competitive advantage — and AI can run it automatically.

Touch 1 — Day 0: Initial Outreach

①LinkedIn message, email, or phone call — introduce yourself and the value proposition
②Keep it short: 3–4 sentences max. No attachments yet.

Touch 2 — Day 3: Value Add

①Share a relevant insight, stat, or article — not a pitch
②"Thought you'd find this interesting given your industry..."

Touch 3 — Day 7: Soft Ask

①"Would you be opposed to a 15-minute call this week to see if this applies to your business?"
②Include your Calendly link for easy booking

Touch 4 — Day 14: Different Channel

①Switch channels: if you emailed, try LinkedIn; if LinkedIn, try phone
②Reference your previous messages briefly — shows persistence and professionalism

Touch 5 — Day 21: The Breakup Message

①"I don't want to keep reaching out if the timing isn't right. I'll close your file — but if anything changes, I'm here."
②Breakup messages often generate the highest response rate of the entire sequence

🚀

MARKETING & ADDENDUM PACKAGES

Done-For-You Marketing Assets · Social Content · Presentation Materials

Marketing Packages by Product

📦 R&D Tax Credit Package

R&D iDecide Presentation: umustsee.net/YGX7DZ
R&D Awareness Webinar Replay (TPA)
Industry-specific qualifier questions (manufacturing, software, food)
CPA strategic alliance pitch deck
R&D credit explainer one-pager for clients
LinkedIn post templates for R&D education content

📦 Section 125 / Quantum Package

Quantum testimonials page: quantumhb.com/testimonials
Employer FICA savings calculator (this site)
Quantum plan benefit summary one-pager
HR professional pitch deck
Chamber of Commerce member outreach templates
iDecide business presentation: umustsee.net/DQY6HT

📦 Bank Breezy Package

Partner overview: davidallencapital.com/partner_overview
Business funding qualification checklist
Combo pitch deck: funding + tax credits + Section 125
Restaurant & contractor outreach templates
LinkedIn content: "5 ways businesses access capital without a bank"
Bank Breezy docs folder: Google Drive →

📦 Recruiting Package

17-min overview: RenewalsForLife.com
iDecide business opportunity presentation
LinkedIn recruiting message templates (5-touch sequence)
New rep onboarding email sequence (this training system)
Dreams Engager Pro setup guide
Fast Start docs folder: Google Drive →

Content Calendar — LinkedIn Posts

Day	Topic	Format	Goal
Monday	R&D Tax Credit fact of the week	Educational post	Awareness
Tuesday	Client result / testimonial story	Story post	Social proof
Wednesday	FICA savings math for employers	Infographic / numbers	Lead generation
Thursday	Business funding tip or myth-bust	List post	Engagement
Friday	Personal story / why you do this	Personal post	Connection

📱 Social Media Rule: Value First, Always Never post a pitch. Every post should answer: "What does my ideal prospect learn from this?" Education builds trust. Trust builds pipeline. Pipeline builds income. Post 5 days a week, every week, without exception.

Dreams Cloud 3 — Choose Your Package

Three powerful plans to fit your goals. Every package includes your Dreams Score and subscription credits for SaaS qualifications. Your referral link is embedded — share it and earn commission on every enrollment.

Dreams Score

Individual + Facebook Ads

$197 /mo

$300 setup fee

Dreams Score for Individuals
Facebook Ads campaign included
Dreams Business Cloud CRM access
Engager Pro (10–30 Facebook AI DMs/day)
Weekly personal development coaching
Tracker for client & team projections
30 Free Engager Trial Memberships (~$1,000)
2x Subscription Credits for SaaS
Start at 40% commission
7 Day Fast Start: 10 Dreams Scores = 45%
45% with $10,000 in 90 days
50% with $25,000 in 90 days
60% with $50,000 in 90 days
Win exclusive training trips, cruises & resorts

Get Dreams Score Individual →

Feature	Dreams Score $197	Pro $297	Elite $497
Dreams Score Included	YES	YES	YES
Dreams Business Cloud CRM	YES	YES	YES
Facebook Ads	YES	—	YES
Social Media Ads	—	YES	YES
Individual Campaign on LinkedIn	—	—	YES
Business Score — Intent Data Leads	—	—	YES
Engager Pro (AI DMs)	YES	YES	YES
Dreams Leads (LinkedIn AI)	—	YES	YES
Sales Assistant AI	—	—	YES
Free Engager Trial Memberships	20/mo ($1,000)	30/mo ($1,500)	50/mo ($2,500)
Subscription Credits	2x	3x	4x
Starting Commission Rate	40%	45%	50%
Max Commission Rate	60%	60%	60%
Bonus Comp ($100K Team Production)	—	—	YES
Exclusive Training Trips, Cruises & Resorts	YES	YES	YES
Setup Fee	$300	$300	$400 WAIVED

COMPENSATION PLAN

Commission Structure · Rank Advancement · Override Generations · Fast Track

Commission Tiers by Production Level

Rank	Points Required	Commission %	Direct Referrer Override
Savings Advocate	None	20%	Not yet qualified
Consultant	10,000 Points	25%	Not yet qualified
Business Consultant	25,000 Points	30%	5% on all direct referral production
Senior Consultant	50,000 Points	35%	5% on all direct referral production
Marketing Director	100,000 Points	40%	5% on all direct referral production
Senior Marketing Director	200,000 Points	45%	5% on all direct referral production
Executive Marketing Director	350,000 Points	50%	5% on all direct referral production
Agency Partner	750,000 Points	60%	5% direct + full 6-gen overrides
Senior Agency Partner Bonus level: 75%	2,000,000 Points	65% (+75% bonus)	5% direct + full 6-gen overrides

Fast Track to 60% — 90-Day Path

🚀 Fast Track Requirements

Achieve $10,000 in personal production within 90 days
Recruit and activate 3 new consultants
Complete all 5 weeks of Fast Start training
Attend 8 of 12 weekly live Zoom trainings
Complete Bank Breezy and Quantum certifications
Reward: Jump to 60% commission immediately

📊 Residual Override Math

10 reps × 50 EE each = 500 enrolled employees
Your 5% override on $15 PEPM = $0.75/EE/month
500 EE × $0.75 = $375/month in Gen 1 overrides
Add Gen 2–6 as your team grows — compounds exponentially
This is the residual empire model: build once, earn forever
Overrides renew annually with each Quantum contract

🎯 90-Day Income Target

Month 1: $2,000–$5,000 (foundation building)
Month 2: $5,000–$10,000 (pipeline converting)
Month 3: $10,000–$20,000+ (Fast Track completion)
First R&D placement: $5,000–$30,000 bonus income
First Quantum account (100 EE): $1,200–$1,950/month forever
First Bank Breezy deal (certified): $10,000–$60,000

Team Overrides & Spread

🔗 Direct Referrer Override

5% on ALL production from your direct referrals
Must be qualified with 25 prospects in your tracker
Paid on every sale your referred reps make
Spreads the gap between your rank and your downline’s rank
Example: Exec MD (50%) + Consultant (25%) = 25% spread to you
Example: Senior AP (65%) + Consultant (20%) = 45% spread to you

📊 Spread Income Explained

Spread = difference between YOUR rank % and your downline’s %
You earn the spread on everything your downline produces
As your team grows in rank, your spread narrows — incentive to promote
This is passive team income — paid on production, not just sales
Combined with Generational Overrides = compounding empire income
Agency Partner + large team = maximum leverage on the comp plan

Generational Overrides — Must be Agency Partner · Based on $100,000 Volume

Generation	Standard % (per $100K)	Monthly $ (per $100K)	Bonus % at 70% (per $100K)	Bonus Monthly $
1st Generation	10%	$10,000	7.5%	$7,500
2nd Generation	5%	$5,000	3.25%	$3,500
3rd Generation	4%	$4,000	2.0%	$2,000
4th Generation	3%	$3,000	1.25%	$1,250
5th Generation	2%	$2,000	0.75%	$750
6th Generation	1%	$1,000	0.25%	$250
TOTAL (all 6 gens)	25%	$25,000/mo	15%	$15,000/mo

💡 The Wealth-Building Formula Residual income from Quantum + override income from your team + R&D and Bank Breezy transaction income = a business that pays you whether you work or not. Build the residual foundation first. Everything else is a bonus.

Rank Advancement Milestones

① Savings Advocate — 20%

◆Starting rank — No points required. Begin building your pipeline and completing Fast Start training.

② Consultant — 25%

◆Reach 10,000 Points. Complete Weeks 1–2 of Fast Start. Begin prospecting with the 10-10-30 daily system.

③ Business Consultant — 30%

◆Reach 25,000 Points. Activate your first referrals. Unlock Direct Referrer Override (5% on all direct production).

④ Senior Consultant — 35%

◆Reach 50,000 Points. Complete all 5 weeks of Fast Start. Earn Bank Breezy and Quantum certifications.

⑤ Marketing Director — 40%

◆Reach 100,000 Points. Build an active team of producing consultants. Attend 8+ live Zoom trainings.

⑥ Senior Marketing Director — 45%

◆Reach 200,000 Points. Team producing consistently. Begin building depth in your organization.

⑦ Executive Marketing Director — 50%

◆Reach 350,000 Points. Lead a multi-level producing team. Maximize spread income across your downline.

⑧ Agency Partner — 60% · Unlocks all 6 Generational Overrides

◆Reach 750,000 Points. Full 6-generation override structure activates. This is where compounding empire income begins.

⑨ Senior Agency Partner — 65% (Bonus level: 75%)

◆Reach 2,000,000 Points. Maximum commission tier. Bonus compensation when team hits $100,000 in production. Exclusive training trips, cruises & resorts.

YOUR 5-WEEK
FAST START

WELCOME TO YOUR FUTURE

🤖 AI Coaching Agent — Week 1

Congratulations — Your Future Starts Now

Week 1 Knowledge Check

BECOME A TAX CREDIT ADVOCATE

🤖 AI Coaching Agent — Week 2 Tasks

Week 2: Become a Tax Credit Advocate

Week 2 Knowledge Check

BANK BREEZY — CAPITAL IS THE CONVERSATION OPENER

Bank Breezy Certification — Required

Week 3: Bank Breezy — Capital Is the Conversation Opener

QUANTUM HEALTH EFFICIENCY PLANS

Week 4: Quantum Health — Build Your Residual Foundation

SETTING UP YOUR AI AGENT TEAM

🛠️ Your AI Stack — What You Need

Week 5 Knowledge Check

Week 5: Deploy Your AI Agent Team — Work Smarter, Scale Faster

DBR INCOME CALCULATOR

Quantum Health Residual Calculator

R&D Tax Credit Income

Bank Breezy Funding Income

💰 Total Annual Income Projection

PROSPECTING HUB

MARKETING & ADDENDUM PACKAGES

COMPENSATION PLAN

YOUR 5-WEEKFAST START

WELCOME TO YOUR FUTURE

🤖 AI Coaching Agent — Week 1

Congratulations — Your Future Starts Now

Week 1 Knowledge Check

BECOME A TAX CREDIT ADVOCATE

🤖 AI Coaching Agent — Week 2 Tasks

Week 2: Become a Tax Credit Advocate

Week 2 Knowledge Check

BANK BREEZY — CAPITAL IS THE CONVERSATION OPENER

Bank Breezy Certification — Required

Week 3: Bank Breezy — Capital Is the Conversation Opener

QUANTUM HEALTH EFFICIENCY PLANS

Week 4: Quantum Health — Build Your Residual Foundation

SETTING UP YOUR AI AGENT TEAM

🛠️ Your AI Stack — What You Need

Week 5 Knowledge Check

Week 5: Deploy Your AI Agent Team — Work Smarter, Scale Faster

DBR INCOME CALCULATOR

Quantum Health Residual Calculator

R&D Tax Credit Income

Bank Breezy Funding Income

💰 Total Annual Income Projection

PROSPECTING HUB

MARKETING & ADDENDUM PACKAGES

COMPENSATION PLAN

YOUR 5-WEEK
FAST START