We were at that same M5. We paid for a coach and ended up with Allen Christensen. Not too long into the coaching sessions he mentioned that we might want to partner with him on a small apartment building. He had all the right documents and information, and we invested. A year and a half later we were informed that it was a Ponzi Scheme and we have lost our whole investment. Others also became involved and lost millions. They were told by NRI that their coaches sign a contract agreeing not to sell their own stuff. This has been disputed by coaches. It has been a nightmare. Do not trust their coaches.