April 19, 2021

What are Kennedy Accounts? Scam or Wall Street’s Best Kept Secret [2021 Review]

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In the spirit of full transparency, know that this Kennedy Accounts review contains affiliate links. This means if you make a purchase through these links, I may receive a small commission at no extra cost to you. Click here to read my full disclosure policy.

Kennedy Accounts Review

You probably agree that most people would love to grow $500 into $1 million.

It just so happens that Kennedy Accounts claims it can do this for you. By investing smartly and avoiding fees this dream could become a reality. 

This Kennedy Accounts review (with video) will expose the truth behind the program and show you a way that anyone can legitimately start earning money online to free up their time.

Kennedy Accounts – The Overview and Rankings

  • Name: Kennedy Accounts (Total Wealth Insider aka TWI)
  • Owners: Banyan Hill/ Agora Financial/ Jeff Yastine (5 out of 100)
  • Website URL: kennedyaccounts.com
  • Training: 35 out of 100
  • Success Stories: 30 out of 100
  • Price: $47 Standard/ $97 Premium/ $129 Deluxe (for a year of TWI)… or a sneaky $19 (6 months of Total Wealth Insider)… all renew for $97 a year automatically!
  • Maketimeonline.com Rating: 23 out of 100

Pros and Cons


  • Provides some sound investment advice about how to avoid paying high broker fees
  • You will receive some stock suggestions that pay good dividends and reinvest automatically (growing your portfolio)


  • Black hat sales methods
  • Automatic renewal meaning you could pay more than the initial payment 
  • Information overload and not a clear strategy
  • Banyan Hill (part of Agora) has a poor rating online

What are Kennedy Accounts?

As you study this review in detail you will learn how President John F. Kennedy has created an awesome investment opportunity for anyone to benefit from. 

John F. Kennedy

A lot of people credit President Kennedy:

  • Averting nuclear war
  • Advancement of civil rights
  • Put humans on the moon
  • Economic reforms (slash taxes)

However, no one gives him credit for one of the most lucrative investment strategies in history. 

Yet this program played a strong role in generating the Kennedy’s fortune to over $1 billion.

Other people have also claimed to have benefitted hugely from this program. Such as…

  • Bill and Hillary Clinton
  • Warren Buffet
  • Bill Gates

And if you sign up by the end of this month you could turn $500 into $1.19 million!

Well, this is the sales pitch you will get sold anyway. 

If you’re like me you are starting to think…

Ready to make passive income online?

Hey, I’m Mike.

I created a passive income online within a year. I had no marketing skills or online experience when I started. 

Mike Beatty

So What are Kennedy Accounts Really?

In reality, Kennedy Accounts are Direct Stock Purchase Plan (DSPP) investments.

These are stocks that an investor can purchase directly from a company rather than through a broker.

Jeff explains this in this Banyan Hill Publishing video.

As you can see it is more specifically investing for dividends in certain companies (Dividend reinvestment plans or DRIPs)

So the advantage of buying these stocks are:

  1. You won’t pay the broker a fee
  2. You reinvest and dividend gains back into the company to grow your portfolio faster

Are you beginning to notice that there is no such thing as Kennedy Accounts? It is actually just a sales program to get you to invest in the Total Wealth Insider newsletter that Jeff Yastine writes. 

The big selling point to the Total Wealth Insider newsletter is:

  • Jeff will give you his top 5 Dividend reinvestment stocks available today.

But also note that there are many other programs out there that are offering the same stuff just like:

Why Have I Never Heard of Kennedy Accounts?

Here’s what Jeff will tell you…

Kennedy Accounts Review

“Wall Street influenced the government to ensure that companies that offered these “plans” were never allowed to advertise them.”

In reality, the reason you have never heard of them is that the name doesn’t exist!

I’m not kidding! 

As you continue to read this Kennedy Accounts review you will notice that Jeff has just made this term up. They are simply referring to DSPP or DRIP investments, which people have heard of.

Is “Kennedy Accounts” a Scam?

There are two main ways an online course can be a scam:

  1. Take your money and run off into the sunset, never to be heard from again
  2. Provide some information but it doesn’t live up to their promises

I wouldn’t personally call the Kennedy Accounts a scam but they certainly are going to struggle to live up to turn $500 into $1 million.

Just to be fully transparent with you, I have not purchased this program myself and I do not endorse it in any way.

I have researched the website, testimonials and information on the Internet to get to the bottom of what this program genuinely does. This is because I have been burnt from programs just like this in the past and I want to prevent others from making the same mistakes (such as the “Real Wealth Report” from Banyan Hill). If you’d like to learn more “Ways to Spot an Online Marketing Scam” then click the highlighted text.

Tired of expensive crappy Affiliate Marketing courses? Check out how I make money online here!

Kennedy Accounts Red Flags

So even though I don’t think this program is technically a scam as it will provide you with some valuable information, it definitely does have some red flags that everyone should be aware of.

Key Terms:

  • Black Hat Methods – Using lies and unethical methods to make someone buy something
  • White Hat Methods – Being honest and genuine to help people make informed decisions about purchases
  • Red Flag – A warning sign

#1 Automatic Renewal of $97

I got stung with this one… twice (don’t tell my wife!)

So when I was a member of the “Real Wealth Report” by Banyan Hill I completely forgot to cancel the membership. 

I received regular emails and “Wealth Reports” that I thought was kind of useful. I enjoyed having a bit of a “punt” in the stock market at the time and I had some “loose change” that I figured I could use the “inside information” to put on the more risky stuff. 

Real Wealth Report

The thing was my £2,000 portfolio had halved (my own fault… I chose the high-risk stuff) and the advice they gave was so spread that it was really hard to know exactly what to do. 

And then I got charged for another year…

So I figured I’d try it out for one more year.


You guessed it. 

I forgot again. 

When I called to cancel I spoke to about 6 different people before a woman with attitude cancelled my subscription… oh and unfortunately she could not refund that payment I just made. 

#2 Limited Spaces Available

This is a scarcity tactic… and a lie.

It is used all over the Internet to pressure people into buying.

Kennedy Accounts Review

There will certainly be more than 1,000 spots available at this price so do not let this force you into buying. It’s to make it seem like you need to hurry.

#3 There is No Such Thing as Kennedy Accounts

After a bit of digging (thanks Google!), it’s possible to find that these “Kennedy Accounts” are filed under IRS Code 852.

As you can read in the IRS document, there is no mention of “Kennedy Accounts” at any point. 

IRS code

It’s basically just a tax loophole that has been exploited and Banyan Hill (or Jeff Yastine) has given it the “catchy name”… Kennedy Accounts.  

#4 Low BBB Rating for Banyan Hill & Agora

Agora Financial has terrible reviews and over 300 complaints…

Agora Financial BBB Rating

Banyan Hill, which is part of Agora doesn’t do much better.

Banyan Hill BBB

The ranking is a mere 2 out of 5 stars and there have been 30 complaints in the last 12 months.

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I’ve made a special video for you to explain exactly how I did this.

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My Opinion – Kennedy Accounts

As you’re still here I’m guessing you’d like to hear my opinion?

It’s not worth the money. 


Are you beginning to realise from this Kennedy Accounts review that you will basically be taking advice from one guy? And as Tony Robbins says in his book Unshakeable… nobody knows what the market will do. 

The best way to invest in the stock market over the long haul is with index funds. Read more about some of the stats and reasons for this here (with a 20-minute podcast for FREE)

The best brokers and mutual funds will have poor runs just like the stock market.

If you are happy taking advice from someone then just Google it to find someone to take advice from…

For example, Money Morning gives their 5 top dividend stocks to invest in 2019. 

Or you can find alternative ways to invest in the real estate market with some of your funds.

Here’s the truth:

You can find this sort of information (arguably better information) out for free or for a fraction of the price in a book.

As you continue to read this Kennedy Accounts review you will discover that it’s possible to make money online to free up your time. There is a proven 4-step process that thousands of people over the world are using to replace their full-time income.

An Evergreen Strategy That Brings You The Money

It wasn’t that long ago that I was still trying to figure out how it’s possible for people to make money online.

The biggest issue I found was that most systems either required a load of time, money or for you to sell to all your friends and family. I wanted to find a passive system that had a few things:

  1. I could work on when I wanted (I was still in a full-time job)
  2. Didn’t cost a fortune to start and maintain
  3. Didn’t need me to sell stuff to my friends and family

It was in September 2018 that I found the system that I still use today to make a passive income stream. In September 2019 I quit my full-time job.

The best thing about it is:

  • It’s free to start
  • Customers are brought to you that are already interested (just think about how you found this review… there was no money or time spent from me promoting this!)
  • You get me as a personal coach to help you on your journey

When you try out this program you will see why so many people recommend it.

Kennedy Accounts Review: The “MakeTimeOnline” Final Word

So what are Kennedy Accounts?

The answer is a few recommendations of dividend stocks to invest in. Kennedy Accounts do not exist.

If you’re interested in living life on your own terms to:

  • Have extra spending money each month
  • Travel the world full time
  • Spend more time with your family
  • Do what you want each day

Then there are real people doing this by earning more than their full-time income online. 

And once you try the program for free you will see why so many people recommend it to their friends.

In 2018 I had no idea what affiliate marketing was. 

Once I learnt about it, it just seemed like a great business model that can grow over time using the power of the internet. 

So I tried to figure it out by myself… that got me nowhere fast.

Then I fell for some terrible online scams. 

But eventually, I found Wealthy Affiliate. It teaches long-term proven strategies to build an online business with all the tools & support needed. 

And this happened…

Make Time Online Income

Once you learn the process of getting thousands of people to find your website every month (for free) there really is not limit to what you can achieve online. 

I’ve reviewed hundreds of courses or programs that claim to help people make money online. And I’ve spoken to dozens of 6-7 figure online entrepreneurs on my podcast.

This is by far the best place I’ve seen to help beginners get set up on the right foot. You can read my full Wealthy Affiliate review here (including the pros and cons!) 

Or you can watch an insiders video I made that explains exactly how it works here.  

Mike PE teacher to Passive Income Online

About the Author

Mike Beatty has built a passive income online whilst working as a full-time PE teacher without any marketing or technical experience. Learn more about how he's done it here.

Mike Beatty

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  1. Thank you again for this candid review. When people make elaborate content that is just simply false or misleading; it’s so baffling really. More false programs should be exposed. The question of automatic renewal of a subscription can be really annoying. There should be a law against it! Once again I lend my voice to the genuineness of Wealthy Affiliate.If you are looking to  growing an online business, this is the site to get to.

    1. Hey Yomi,

      It’s such a shame these big companies make these ludicrous claims. 

      I totally agree. If you are looking to learn how to make a profitable website online, there’s no better place to learn and get all the tools you need to do it.

  2. Hi Mike

    It is always good to be informed about any programme, being good, bad or indifferent to keep abreast of what is happening in making money. To be honest it sounds like a pipe dream to turn 500 into 1 million, considering the uncertainties in the stock exchange, especially now as businesses are struggling and a possibility the various countries may enter recession. If we have a crystal ball then we use it to find and invest in companies but as there  is no such thing, I can see people losing money on this. 

    I do not like people  who over hype their programmes, with promises that only can be met if you are extremely lucky, which is never. I have investments but I have been sensible because I went through fund managers through reputable companies,who will be fired if they mismanage the funds. I am happy with this, as I know my money will be managed well.

    A fund based more on a name, rather then being an effectual programme. Are there other investment programmes that you recommend?



    1. Hey Antonio,

      You’re so right their claims are borderline outrageous.

      It’s certainly worth investing in different asset classes. Personally I’d recommend reading unshakeable or the millionaire teacher. Both books teach you about index funds.

      The long and short of it is that you can use index fund trackers yourself and cut out the fee that you pay the brokers. In the long run index funds beat brokers and the 1-2% you pay on fees adds up in the long term.

      Hope that helps, let me know if you have any questions 

  3. Seeing that you have not engaged with this program yourself, I am not sure I want to get involved with this misleading Kennedy accounts. To ve honest, I have been scammed multiple times by business promising riches with less works and overtime and countless ways, I have been scammed over and over again and as such, I have decided to stay off any platform that seems too real to be true. Thanks so much for this review

    1. Yep I didn’t bother with this one. It’s a very similar looking product to the real wealth report and to be honest it was a massive waste of time and money. They just chucked so many PDFs and emails at me that contradicted themselves that made it impossible to know what to actually do.

      Their recommendations didn’t even beat the standard index fund trackers, and you pay for the privilege of getting this “stuff”. 

      Not worth it and very misleading sales pitch 

  4. I think that to decide if a platform is original or not, they should have a good rating on BBB. This one’s really do say that one can make money from investing just like our last president did. That’s very crazy. Many people actually do make money from buying sticks. The price is a little too high so that’s it. I was told by a friend a few days ago that he was thinking of joining in. Apparently, it’s not really lucrative. He needs to see your post here.

    1. Hey John, yes please do pass on the review if you think it can help someone. It’s certainly not an outright scam as you will get info on how to invest in dividends stocks. But that is not what the sales page makes it sound like.

      Very misleading and the info provided by agora is typically confusing and overwhelming.

      I hope it helps 

  5. It sounds like Kennedy Accounts just took something that was already known on the market and gave it a special name, because as far as I know, Warren Buffett and Bill Gates have never mentioned something along the lines of Kennedy Accounts as a major point that made them successful. Honestly, if anybody wants to get into the stock market, they should really just look into what the major stock investors of our time did it. People like Warren Buffett and Peter Lynch have never advocated a program like this. Great review.

    1. Too true Kevin. I think it’s very misleading in the sales pitch too. Agora financial certainly are great advertisers but unfortunately their products rarely live up to their promises. Index funds all the way when investing in the stock market!

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