Why Do I Need This?

There are three different approaches that people take with retirement planning.

Approach One: Avoidance

Low income earners and young people tend to fall into this category, and think that someday they will get around to looking into this whole "retirement thing" and get on track. The problem with this approach is that many people miss out on the most important years of their lives, and don't start investing until it seems too late.

Approach Two: Ignorance

This approach is slightly better, and most people fall into this camp. They go so far as to make sure that their employer is taking some of their money from their paycheck and contributing it into a retirement account. Beyond that, they have no retirement plan. They don't know what kind of accounts they have, how the money is being invested, or whether they are even using the right kind of retirement accounts for their situation. They are throwing money blindly into an account and hoping it all turns out OK someday.

Approach Three: Informed

After completing this course, you will be in the informed group. You will understand the differences between all the different retirement accounts there are, and which ones are best for you. You'll be aware of the differences in how you are taxed depending on the types of accounts you use. You'll have a strategy for moving between different retirement plans when it's most advantageous. You'll know what investment choices are available to you in each retirement vehicle, and be able to choose the ones that best fit your needs. In doing all the above, you'll maximize the amount you have in retirement - without changing how much you contribute.

By going through this course you'll know exactly what you need to do to maximize the amount of money you have in retirement. The best part is, none of this depends on your contribution amounts. This course is about getting in the fastest vehicles - not about how much gas you put in the car.

Other courses will focus on convincing you to spend less money now, contribute as much as possible, and defer your living until retirement. This course is about optimizing what you are already doing.

Don't wait any longer. The cost of avoidance and ignorance are high when measured over a lifetime. This stuff isn't complicated, it just takes a few hours of focus to understand. That's what this course will do for you. Sign up today and get your retirement plan on track to multiply your wealth as fast as possible.

Example Curriculum

The 3 Approaches to Retirement
Intro to 3 Approaches to Retirement (2:43)
Why the Avoidant Approach is Disastrous (5:25)
The Problems with the Ignorant Approach (5:54)
The 3 Benefits to the Informed Approach (2:57)
Roth vs Traditional
Roth vs Traditional Intro (1:44)
Traditional Taxation (6:05)

With Our Membership You Get This Course And Much More!

Who is Joe Brown

I started Heresy Financial to teach you how money works so that you can control your financial security.I provide anyone who wants it the education needed to prepare for the coming economic storms.

Heresy Financial is your beacon through economic uncertainty, providing the tools and knowledge to grow and protect your wealth.

What the Community says about Heresy Financial University:

I’m so happy with Heresy Financial University that I’m going to make my wife watch it!

Sarah

​Love the membership! I’ve begun the options section because I know that topic is critical. Empowerment is the one word summary of Heresy University.

​Jeremy S.

I definitely recommend this course and also to follow Heresy Financial on YouTube! Thanks Joe! I'm very glad I became a member of Heresy Financial, now I need to enroll in the options mastery class! The only thing I was an experienced investor at was real estate so I am a complete newbie to all the other assets he touches on in this course.

Nikki

The real estate section was my favorite by far. I had all these preconceived notions about real estate, but you really opened my eyes and made it so easy to understand. You challenged some of my beliefs and gave me a fresh perspective. I would definitely recommend it to anyone looking to build their investment portfolio. Thanks so much for sharing your knowledge and expertise with us!

Kyle

Authentic. Concise. Thanks for helping me grow my knowledge of strategies and tactics to formulate a winning financial game plan. Thank you for sharing your gifts!

​Terry L.

Before I came across Joe, I had managed to "learn" just enough from other YouTube “experts” to lose my hard earned $$$. Joe gave me (a complete novice) enough info and knowledge about this "not so straightforward approach" of growing wealth by "reducing risk" to understand what I was doing. The best part is, every bit of what he says can be understood and appreciated. Thanks mate.

At

I became an annual member before one of your price hikes. So glad I pulled the trigger! I am LOVING it so far.

​​Joshua T.

Mr Brown, thank you! On paper I have grown my portfolio by significantly more than the cost of the membership.

Emmanuel

I am really happy I decided to commit the investment to learn from Joe. I have been a long time YouTube subscriber and have watched his videos consistently. I am grateful I decided to move forward with this course and hope to continue to learn. Thank you for the material! I give this 5/5 stars.

Marc

I’ve taken all of Joe’s courses in Heresy University and I can tell you. With a little effort and a little capital you can easily generate an income to pay yourself back for the membership.

​Alex G.

This University is very unique and incredibly useful. I've never seen the ideas discussed and implemented in such a compelling way. These strategies have all been time-tested but you don't see them in mainstream circles.

Marc

One of my trades is already up 58% overnight.

Christy

I am halfway through one of the courses and I’m already making money Thank you Joe!

James A.

Blew my mind. VERY good info. As an average investor, I never even thought about some of this stuff. Looking forward to putting these protection strategies into practice.

Emanuel

This makes so much sense…I’m shocked this information isn’t more mainstream

Kyle

I really enjoyed this course. Joe has a special skill at teaching. He is very concise which I appreciated. The only thing I was an experienced investor at was real estate so I am a complete newbie to all the other assets he touches on in this course. I feel much more confident now about investing in the stock market, his explanation of options and hedging was really insightful as well.

Nikki

I loved this course. It was knowledgable and gave me a new perspective on capital management. The portfolio you put together made so much sense to me, and it's kind of surprising that it's not more widespread. I really liked how you broke down mainstream portfolios and explained the pros and cons of each. It helped me get a better sense of the investment landscape and made me feel more confident

Kyle

Your teaching style is fast and furious exceeding my expectations. Before I put my money into this course, I listened to your YouTube material with a critical ear to make sure I could learn complicated strategies and not just entertain myself (and also justify the cost). You are exceeding what you have done on YouTube. This is the best of Joe Brown, refined, organized, and sharpened with a purpose

Larry

Overall very solid plan and everything makes a lot of sense, keen to apply it and will come back with any questions, thanks for the great work Joe!

Chris

The content is amazing!!!! Very helpful!!!

John

Before this course, I used a quite random strategy of buying into stocks and trying to time the market. I think I'm now prepared to manage my assets through an up, down, or sideways market. Definitely worth the cost. Thanks, Joe!

Eric

Through Joe's courses I have been able to put a solid Portfolio together in a fraction of the time it would have taken to do all the research personally. I like the way the course is structured into the main sections and the length of each lesson.

Aaron

Good presentation with comprehensive content.

Jerry

I'm a fairly new member of the academy and can say Joe's courses are well worth the money. I just logged in to see the new retirement mastery course and Wow! There's over 70 lessons! He is extremely thorough! (BTW, I'm not getting paid to say this. Just grateful to have found his channel and tools. I highly recommend his courses

John

The clarity provided in the course, structured and connected a growing knowledge of strategies and tactics of the financial game to formulate a winning game plan. Thank you for sharing your gifts authentically and concisely!

TL

Love your content and love HFU. Going on month 3. Two Thumbs Up

Bob

It gives me (novice) just enough info and knowledge about this "not so straightforward approach" of growing wealth by "reducing risk". I had managed to "learn" enough from Youtube experts to loose my hard earned $$$ until I came across Joe's conceptually sound and meaningfully simple explanations of economic theories.

AT

Very straight forward

S A

Course was amazing.

John

Joe has an incredible wealth of knowledge and understanding for how macro conditions affect our financial well being. If you subscribe to the standard stocks and bonds portfolio allocations popularized by main stream media and most Youtubers, then be prepared to lose money when everyone else loses money. Portfolio Allocation Mastery is a direct reflection of Joe's understanding of how the world works.

Carl

"I just started Heresy University and I can say it’s well worth the money. I just logged in to see the new retirement mastery course and… Wow! There's over 70 lessons! He is extremely thorough! (BTW, I'm not getting paid to say this. Just grateful to have found his channel and tools).

Jon B.
Join 525K+ in our community

Our Community

Welcome to the heart of Heresy Financial – our vibrant community of like-minded individuals on a shared journey to financial mastery. Here, knowledge is shared, questions are answered, and success stories unfold. Join us in this collaborative space where financial empowerment meets community support.

Helen Martin
Lead Product Designer
Company Corp.
Jamille Philipe’s
IT Student
Company Corp.
Max Phillipe
Manager
Company Corp.
Daniel Hawkings
Manager
Company Corp.