Invest in Worthy Wealth
Help us offer economic security to all
Be a Community Wealth Builder
We’re on a mission to help people painlessly build wealth while supporting communities.
Join us in changing the face of finance
Imagine how different our communities would look if 50% of our investments were made within 50 miles of our homes. Moving capital from Wall Street to Main Street means shifting power. When we have a stake in our communities, we are more engaged, we exercise our voices, and can reduce the influence of the bigger power brokers. Investing outside of Wall Street allows us to direct our investment dollars towards challenges that need solving closer to home, whether that’s contributing to the funding gap for entrepreneurs or financing important solutions like affordable housing. This type of community capital creates a ripple effect - cities see increases in jobs, transit, grocery stores, shopping, dining, and entrepreneurship. One of the most important choices we have is where we put our money.
Worthy Wealth was launched to harness the power of the crowd – to bring higher-yielding, community-based investments to the masses - while offering people a more secure financial future in the process. We’d love for you to join us.
Isn't it time we all have a better way to build a nest egg?
Not your Grandmother's Bond
Most of us have heard of the old "U.S Savings bonds" that grandparents would give kids on their birthday – by purchasing those bonds, the bondholder is lending money to the government and in just 30 short years they are repaid! Luckily times have changed.
Our bonds at Worthy are digital-only, $10.00 bonds designed to be a way everyday people can earn a solid return – while lending money to community real estate projects. The bonds are corporate bonds, issued by Worthy Wealth subsidiaries, and are backed by portfolios of residential real estate. The bonds are bought and sold with no fees, no friction through an easy-to-use mobile app…and you don’t have to wait 30 years for them to mature!
Putting Worthy Bond Proceeds to Work
The first investment product we are working to bring to market, called "Worthy Wealth Housing Bonds", is just $10, and offers a 9% annual yield (increasing to 10% if held beyond 3 years) so everyone has the chance to start building a nest egg.
When you buy our bonds, the bond sale proceeds are put to work helping developers get properties in "build ready" status so we can bring more housing to American families. Specifically, we are investing the money to cover the infrastructure development (land preparation, road paving, utilities, and electrical installation) for starter homes strategically located in high-growth suburban markets across the southeast.
Worthy has identified and teamed up with experienced and successful developers and servicing partners who handle all aspects of the "horizontal development" (preparing the buildable lots) for national homebuilders so they can focus on constructing and selling homes without the complexities of land development. The homebuilders then purchase the fully-developed, single family lots that the Worthy Housing bonds help to fund.
While Worthy still does in-depth underwriting and analysis, this business model allows us to make and service a larger number of loans and investments while controlling overhead.
The U.S. housing market is short 6.5 million homes so our bond sales can play a role in filling this need!
Meet Worthy Wealth
How Does It Work?
Most of us know the benefit of eating locally grown foods – they are fresh, full of nutrients, and contribute to our overall health and wellness. But what about nourishing our financial wellness while also fueling our local economies? Community ownership is a rewarding way to build this financial health.
These days, many investors are demanding more than profit from their investment portfolios. They don't just want investments to do well financially, they want them to do good socially. This is where Worthy Wealth comes in!
Worthy is a wealth building platform that helps users painlessly grow a nest egg while benefiting from the security of investments in community real estate. When customers buy our bonds, they are playing a critical role in providing homes for families.
Where do the bonds come from? The bonds are structured by Worthy Wealth and are then submitted to the SEC (Securities and Exchange Commission), which reviews and then qualifies them for public sale. The bond sale proceeds are then invested in community real estate projects and we share the interest earned on those loans and investments with our bondholders. This means the bonds are backed by portfolios of hard real estate assets.
Along with offering an attractive yield to investors, our business model is more robust for Worthy as a venture than the "traditional" investment apps which primarily rely on charging small management or transaction fees paid by their customers. Worthy’s model allows us to remain free for customers as we generate our returns through interest earned on the loans and investments we make.
Worthy empowers a new generation of investors to get the growth, yield and access to innovation they deserve while unleashing the power of community capital.
Where you invest your money matters.
“We have an obligation to be active in the issues of our time…in my case, I’m trying to help people build financial security while making our communities stronger”. - CEO, Sally Outlaw
Why Worthy Wealth
Our products don't just look like a good idea on paper. We know there is market demand as our team has sold over $250,000,000 in similar offerings. In addition to our intention to market our first proprietary bond product (currently under SEC review), we are in the process of designing preferred equity and other investments to build Worthy's enterprise value.
- We provide access to proprietary, higher-yielding alternative investments for the masses
- We intend to design products that pay 7% - 15% annual interest, with no fees or friction
- We will use our bond proceeds to do secured real estate lending and investing
- Our customers can micro-invest with as little as $10.00
- 3 easy ways to buy - including rounding-up spare change to help new investors get started
- Our team has been responsible for selling $250,000,000 in similar bonds to retail customers over the past few years
- Bond sales support housing in our communities
Invest with purpose. It's time to use our money and direct our investments to help shape the world we want to live in.
Be a part of what's next!
* Under Agreement to be Acquired
The Worthy Wealth Companies
Although Worthy Wealth is a newly formed entity, it follows a company founded by the same team, operating in the same industry.
Worthy Wealth is beginning its business operations with the launch of "Worthy Wealth Housing Bonds". Worthy has partnered with a prominent developer to design a new high yield bond - paying 9%-10% depending on length of hold - the proceeds of which will fund the land purchase and infrastructure installation for homesites across the Southeast.
Launching an Equity Model
Worthy intends to supplement its fixed-income bonds with equity securities offerings, aiming to provide a higher return to customers, and additional sources of revenue for Worthy.
In addition to the high yield generated by its lending activities, under this model Worthy Wealth would have a profit participation in the operating business of its real estate partner.
Worthy Wealth has also entered into an agreement to acquire two cash-flowing (400k/month) private bond entities, and their associated 40M investment portfolios, from another industry participant so if the company chooses to close on the acquisition those assets will also belong to Worthy Wealth.
Serving our Worthy Wealth Community
In addition to selling our securities, we are working on other ways to bring value to our Worthy community members. We are doing this through:
- Building out more educational resources
- Hosting both live and virtual community capital events
- Offering additional products and services of interest to our customers
- Creating a points program to engage and reward our Worthy bondholders
These additional activities will not only provide the company with additional revenue streams but an opportunity for our members to further build their nest eggs while deepening their relationship to our brand. Part of the proceeds from this raise will go towards building out of this new member benefits program.
Being Worthy has its perks!
The Offering
Investment
$10/share of Common Stock, with warrants and right to participate in Worthy Wealth's real estate investments @ a 14% fixed interest return.
Offering Summary
Up to 1,500,000 shares of Common Stock ($15,000,000) @$10/share, plus three year Warrants to purchase up to 300,000 shares @ $15.00. Also includes the right to participate in Worthy Wealth's real estate investments at a fixed annual return of 14%.
Company
Worthy Wealth, Inc.
Corporate Address
11175 Cicero Drive, Suite 100, Alpharetta, GA 30022
Description of Business
We are a community investment and wealth building platform bringing higher-yielding, private credit opportunities to the masses. Customers can purchase our proprietary, fractional investments via mobile app and web platform after the SEC qualifies them for public sale.
Type of Security Offered For this RegD
Income Venture Units. Each unit consists of one share of common stock @ $10, three year Warrants @ $15 (investor can purchase up to the equivalent of 20% of their equity investment), and the right to participate with Worthy Wealth's real estate investments at a fixed return of 14% APY.
Purchase Price of Security Offered
$10.00
Minimum Investment Amount (per investor)
$50,000 (minimum $25,000 in equity*, and up to $25,000 in real estate investment participations earning 14% APY). *Investor may elect to have a larger portion of their investment in equity.
Investors must review our Offering Materials prior to purchase. This includes our RegA offering circular which provides additional information about the Company as contained in our SEC filing relating to a concurrent equity offering.
Why we are a Worthy Investment
Worthy Wealth combines a financial product (high yielding, interest bearing securities) with an inventive delivery tool (a round-up app) making it easy for anyone to save and invest.
Worthy bonds are one of the few, higher-yielding financial products open to the retail investor that supports "Main Street" not Wall Street - therefore offering a social return in addition to a financial one.
Additionally, unlike most other investing apps, we own the underlying financial vehicles, the Worthy securities. These are proprietary products that we engineer and are in the process of qualifying for sale with the SEC so this provides a bit of a barrier to entry to other competitors given the complex federal and state regulatory qualification process.
We will also use a proprietary technology platform for handling the digital bond management and sales which adds additional value to our venture.
As we expand our offerings, services, number of registered users, and number of bondholders (all expected to increase our enterprise value), we will continue to explore alternative sources of liquidity for our shareholders. Management intends to pursue an exit strategy that maximizes shareholder value which could include either an initial public offering or acquisition by a larger company.₂
Micro-Invest
Worthy's proprietary bonds are only $10.00!
Painlessly Save
The Worthy app rounds-up every purchase you make and invests the "spare change".
Large Market
75 million millennials needing to save...and 37% of Americans don't even have $400 for an emergency.
Generous Interest
7%-15% interest (depending on product purchased) to grow that nest egg fast!
Alternative Investments Go Mainstream
Alternative investments are rapidly moving into the mainstream. Retail investors, confronted with volatile financial markets and the underfunding of their own retirements, are now following the path blazed by wealthy individuals and institutional investors in seeking a better financial return. These classes of investors had access to a variety of higher-yielding, investment opportunities then the masses were allowed to have - such as stock in growing private companies and lending money to private, creditworthy businesses or developers. This changed with the passing of The JOBS ACT in 2012, which altered long-standing securities laws and opened up these types of alternative investments for the rest of us.
Fueled in part by these new laws, a distrust of old guard financial institutions, and investors growing desire to have their money make a social impact, we believe both borrowers and investors are flocking to alternative, and more community focused, financial products to meet their capital needs and to diversify their portfolios. A study by State Street, indicates a continuing trend of shifting from public markets to private assets within portfolio allocations. More than a third of institutions (36 percent) have already allocated over half of their portfolio to private market investments, a number expected to rise to 41 percent within the next three to five years. Additionally, 59 percent of institutions have allocated at least 30 percent to private markets, with projections reaching 71 percent by 2028. Worthy is already playing a part in this historical shift towards private market investment opportunities.
Bottom line is we believe the 98% need access to higher yields and a more stable financial return and Worthy creates products to help.
Why Alternative Investments Are Worthy
According to most investment advisors, one of the important rules of portfolio management is to combine assets that make money independently and don't correlate with one another. Having investments in areas that react differently to the same event (such as a political development or a global pandemic) can balance an investor's risk and protect against loss.
Investors Need Diversification. A blended portfolio of traditional (such as stocks) and alternative investments (such as real estate, precious meals, private lending, etc) can offer benefits in performance and a reduction in volatility.
Portfolios Need Non-Correlation. To protect from market swings, investors need assets in their portfolios that don't directly correlate to movements in traditional investments such as stocks and ETF's.
Since diversifying investments across asset classes can improve your chances of not losing your money, Worthy's fixed interest bonds can be an attractive addition to a diverse portfolio.
We Are a Worthy Team
We are all in this for the right reasons so we are motivated and passionate about addressing financial inequities and about helping our clients thrive.
Aside from this, our management team has backgrounds that align with our product - including the fact that the founder was a registered investment advisor and pioneer in the online crowdfunding industry. Our Chief Operating Officer was a securities lawyer and former investment banker. All of our current executives were responsible for designing, bringing to market and selling over $250,000,000 in private market bonds prior to launching Worthy Wealth and are leaders in the industry.
But it's the team's intangible assets that ensure our ability to execute successfully - such as character, integrity, sincerity, creativity, humor, tenacity, and problem solving. And we have strong chemistry as a team. We eat, sleep and breathe our product and mission and will not stop until our products are in everyone's hands!
The Numbers
We’re on a mission to help people painlessly save and grow their money – and to do it in a way that better aligns with their values and lifestyle.
Join us by Investing!
Join Us in Offering Economic Opportunity for All
We want to help lift the financial burden off those who suffer from this stress. One of the few ways to grow a financial cushion is through access to higher-yielding investment returns but these asset classes are normally only reserved for the wealthy so we used new securities regulations to create a product that would be open to ALL. This is also about fairness - for 80 years the securities laws kept retail investors from accessing opportunities for real financial growth.
We invite you to join us on our mission to create a more equitable economy.
Commonly Asked Questions
What is Worthy Wealth?
We are a financial technology company that offers a community investment and wealth building platform. Our platform will give investors the opportunity to invest as little as $10 and earn 7%-15% interest, without having to pay any fees, through the purchase of Worthy bonds. The proceeds from the bond sales will be used to make secured loans and investments to real estate developers and the interest earned is shared with holders of Worthy Wealth securities.
Why was Worthy Wealth created?
People need a better way to build their wealth. Worthy was created to level the financial playing field and to support our fellow humans by offering an alternative way for them to painlessly grow their nest egg while supporting community real estate projects.
Why hasn't this type of investment always been available to investors?
Our national securities laws changed in 2012 as part of what was called The JOBS ACT and these updated laws opened private market investing opportunities to more Americans. Given this, entities such as Worthy Wealth are able to use a section of those laws - called Regulation A+ - to engineer new financial products for the masses. The majority of Americans can now potentially benefit from a better financial return as they have access to a wider variety of higher-yielding, private market investment vehicles like the Worthy Wealth bonds that will be sold using the fintech platform.
How long has Worthy Wealth been in business?
Although Worthy Wealth was only created in the last year, it followed a company founded by the same team operating in the same industry. The team not only has decades of experience in the financial industry but also specifically with selling over $250,000,000 in similar products to retail investors.
Who are your competitors?
While there are other technology companies offering digital investing and wealth solutions, currently none that we know of offer community-based investments such as the Worthy Housing Bonds and the preferred equity products we envision - particularly ones that are open to all US investors.
How do you make money?
The loans and investments our subsidiaries will make with the proceeds from the sales of our securities have a greater interest rate than the interest rate returned to Worthy Wealth bondholders. The Worthy Wealth companies will use the difference between the interest we generate and the rate we pay our community members to operate, while keeping returns consistent for our Worthies.
How do bondholders make investments?
Our platform will offer 3 ways to help bondholders save and invest. Community members can purchase bonds at any time manually through our “Buy Bonds” button. Alternatively to buying bonds on demand, they can auto invest through our “Round Ups” and “Recurring Investment” tools. The “Round Up” investment option works by monitoring a customer’s daily purchase transactions and tracking the difference between their purchase and the next whole dollar (so on a $2.50 purchase, .50 cents is tracked). A bond is triggered for the customer’s account each time the “spare change” from these purchases reaches the $10. bond buying threshold. Additionally, our “Recurring Investment” tool allows them to schedule their purchases daily, weekly, bi-weekly or monthly so they can invest without always having to remember to do so!
How does the investment process work to invest in Worthy Wealth's RegD offering?
You click the “Invest” button on this website and it will lead you through the purchase process - including identification verification. Once you have completed the online process of buying shares, you will be notified within 5 business days to fund the investment. Your shares will be issued and you will officially become a shareholder generally in several days, but could take up to 21 days of your funds being received and verified. As a new Worthy Wealth investor, you will receive a welcome email from our Transfer Agent (KoreTransfer) with details of your Worthy account when your shares are issued.
For the investment participation element (to participate in our real estate projects @14% APY), when an investment is approved by our Commitment Committee, a percentage of the investment amount will be reserved for the group of equity investors and will be allocated among them based on their pro-rata interest in the program. You will receive an email inviting you to participate with details on each approved investment.
How do I see and keep track of my shares once I buy them?
A transfer agent is a financial services company that manages and keeps track of registered shareholders for companies that issue stock. Our transfer agent is, KoreTransfer so they will handle the recordkeeping, reporting and communications for our shareholders. They will manage the official listing of all registered shares and shareholders, including the shareholder's name and contact information, along with records of dividends paid (if any) and other important shareholder information. You will have your own account and dashboard on the KoreTransfer platform to view your shares and to receive communication from us like any investor updates.
What’s the difference between the Worthy Wealth bonds and Worthy Wealth shares?
Worthy Wealth bonds are a debt product that pay a fixed annual interest and can be cashed in over a specified time period. Worthy Wealth shares are an equity product where you are purchasing an ownership stake in the company. The shares are not yet publicly traded as Worthy Wealth is a private company so the shares are not yet liquid - meaning you can’t “cash them in” at will. The hope is that as you hold the shares, they will increase in value and that a liquidity event such as the company being acquired or going public will happen in the not-too-distant future. There are also new secondary trading platforms emerging where private company shares can be bought and sold so this may be an additional channel for liquidity.₃
How can I cancel my investment??
There are no cancellation or refunds available for investments made in this offering. Applicants are not charged for the investment until the personal information they have provided in order to purchase this investment has been vetted and approved.
Have more questions? We got answers
hello@worthywealth.com
PHONE
561-288-8467
ADDRESS
11175 Cicero Drive, Suite 100,
Alpharetta, GA 30022
₂ ₃ There is no guarantee of an IPO or exit so your investment may remain illiquid
IMPORTANT MESSAGE
IN MAKING AN INVESTMENT DECISION, INVESTORS MUST RELY ON THEIR OWN EXAMINATION OF THE ISSUER AND THE TERMS OF THE OFFERING, INCLUDING THE MERITS AND RISKS INVOLVED. THIS OFFERING IS SPECULATIVE, ILLIQUID, AND INVOLVE A HIGH DEGREE OF RISK, INCLUDING THE POSSIBLE LOSS OF YOUR ENTIRE INVESTMENT.
Neither the SEC nor any state securities commission or regulatory authority approved, disapproved, endorsed, or recommended the merits of the offering described on this website. Any references on this website to past results should be read with the knowledge that past results are not indicative of future results. By accessing this site, and any pages thereof, you agree to be bound by our Terms of Use and Privacy Policy.
This offering is being made under Regulation D and is only open to accredited investors who will be required to verify their status before their investment is processed. Worthy does not make recommendations regarding the appropriateness of any particular investment opportunity for any particular investor. An investment in these securities is speculative, involves a high degree of risk and may result in the loss of your entire capital contribution. Potential investors are advised to consult their legal, tax and financial advisors before investing.
MOBILE AREA BELOW (Invisible in Preview)
Be a Community Wealth Builder
We’re on a mission to help people painlessly build wealth while supporting communities.
Join us in changing the face of finance.
Imagine how different our communities would look if 50% of our investments were made within 50 miles of our homes. Moving capital from Wall Street to Main Street means shifting power. When we have a stake in our communities, we are more engaged, we exercise our voices, and can reduce the influence of the bigger power brokers. Investing outside of Wall Street allows us to direct our investment dollars towards challenges that need solving closer to home, whether that’s contributing to the funding gap for entrepreneurs or financing important solutions like affordable housing. This type of community capital creates a ripple effect - cities see increases in jobs, transit, grocery stores, shopping, dining, and entrepreneurship. One of the most important choices we have is where we put our money.
Worthy was launched to harness the power of the crowd – to bring higher-yielding, community-based investments to the masses - while offering people a more secure financial future in the process. We’d love for you to join us.
Isn't it time that we all have a better way to build a nest egg?
Painless Ways to Buy Worthy Bonds
Not your
Grandmother's Bond
Most of us have heard of the old "U.S Savings bonds" that grandparents would give kids on their birthday – by purchasing those bonds, the bondholder is lending money to the government and in just 30 short years they are repaid! Luckily times have changed.
Our bonds at Worthy are digital-only, $10.00 bonds designed to be a way everyday people can earn a solid return – while lending money to community real estate projects. The bonds are corporate bonds, issued by Worthy Wealth subsidiaries, and are backed by portfolios of residential real estate. The bonds are bought and sold with no fees, no friction through an easy-to-use mobile app…and you don’t have to wait 30 years for them to mature!
Putting Worthy Bond Proceeds to Work
The first investment product we are working to bring to market, called "Worthy Wealth Housing Bonds", is just $10, and offers a 9% annual yield (increasing to 10% if held beyond 3 years) so everyone has the chance to start building a nest egg.
When you buy our bonds, the bond sale proceeds are put to work helping developers get properties in "build ready" status so we can bring more housing to American families. Specifically, we are investing the money to cover the infrastructure development (land preparation, road paving, utilities, and electrical installation) for starter homes strategically located in high-growth suburban markets across the southeast.
Worthy has identified and teamed up with experienced and successful developers and servicing partners who handle all aspects of the "horizontal development" (preparing the buildable lots) for national homebuilders so they can focus on constructing and selling homes without the complexities of land development. The homebuilders then purchase the fully-developed, single family lots that the Worthy Housing bonds help to fund.
While Worthy still does in-depth underwriting and analysis, this business model allows us to make and service a larger number of loans and investments while controlling overhead.
The U.S. housing market is short 6.5 million homes so our bond sales can play a role in filling this need!
Meet Worthy
How Does It Work?
Most of us know the benefit of eating locally grown foods – they are fresh, full of nutrients, and contribute to our overall health and wellness. So, what about nourishing our financial wellness while also fueling our local economies? Community ownership is a rewarding way to build this financial health.
These days, many investors are demanding more than profit from their investment portfolios. They don't just want investments to do well financially, they want them to do good socially.
This is where Worthy Wealth comes in!
Worthy is a wealth building platform that helps users painlessly grow a nest egg while benefiting from the security of investments in community real estate. When customers buy our bonds, they are playing a critical role in providing homes for families.
Where do the bonds come from? The bonds are structured by Worthy Wealth and are then submitted to the SEC (Securities and Exchange Commission), which reviews and then qualifies them for public sale. The bond sale proceeds are lent out for community real estate projects and we then share the interest earned on those loans with our bondholders. This means the bonds are backed by portfolios of hard real estate.
Along with offering an attractive yield to investors, this business model is more robust for Worthy than the "traditional" investment apps which primarily rely on charging small management or transaction fees paid by their customers. Worthy’s model allows us to remain free for customers as we generate our returns through interest earned on the loans we make.
Worthy empowers a new generation of investors to get the growth, yield and access to innovation they deserve while unleashing the power of community capital.
Where you invest your money matters.
“We have an obligation to be active in the issues of our time…in my case, I’m trying to help people build financial security while making our communities stronger”.
- CEO, Sally Outlaw
Why Worthy Wealth:
Our products don't just look like a good idea on paper. We know there is market demand as our team has sold over $250,000,000 in similar offerings. In addition to our intention to market our first proprietary bond product (currently under SEC review), we are in the process of designing preferred equity and other investments to build Worthy's enterprise value.
- We provide access to proprietary, higher-yielding alternative investments for the masses
- We intend to design products that pay 7% - 15% annual interest, with no fees or friction
- We will use our bond proceeds to do secured real estate lending and investing
- Our customers can micro-invest with as little as $10.00
- 3 easy ways to buy - including rounding-up spare change to help new investors get started
- Our team has been responsible for selling $250,000,000 in similar bonds to retail customers over the past few years
- Bond sales support housing in our communities
Invest with purpose. It's time to use our money and direct our investments to help shape the world we want to live in.
Be a part of what's next!
The Worthy Wealth Companies
Although Worthy Wealth is a newly formed entity, it follows a company founded by the same team, operating in the same industry.
Worthy Wealth is beginning its business operations with the launch of "Worthy Wealth Housing Bonds". Worthy has partnered with a prominent developer to design a new high yield bond - paying 9%-10% depending on length of hold - the proceeds of which will fund the land purchase and infrastructure installation for homesites across the Carolinas.
Launching an Equity Model
Worthy intends to supplement its fixed-income bonds with equity securities offerings, aiming to provide a higher return to customers, and additional sources of revenue for Worthy.
In addition to the high yield generated by its lending activities, under this model Worthy would have a profit participation in the operating business of its real estate partner.
Worthy Wealth has also entered into an agreement to acquire two cash-flowing (400k/month) private bond entities, and their associated 40M investment portfolios, from another industry participant so if the company chooses to close on the acquisition those assets will also belong to Worthy Wealth.
Serving our Worthy Wealth Community
In addition to selling our securities, we are working on other ways to bring value to our Worthy community members. We are doing this through:
- Building out more educational resources
- Hosting both live and virtual community capital events
- Offering additional products and services of interest to our customers
- Creating a points program to engage and reward our Worthy bondholders
These additional activities will not only provide the company with additional revenue streams but an opportunity for our members to further build their nest egg through our "earn as they learn" program. Part of the proceeds from this raise will go towards building out of this new member benefits program.
Being Worthy has its perks!
The Offering
Investment
$10/share of Common Stock, with warrants and right to participate in Worthy Wealth's real estate investments @ a 14% fixed interest return.
Offering Summary
Up to 1,500,000 shares of Common Stock ($15,000,000) @$10/share, plus three year Warrants to purchase up to 300,000 shares @ $15.00. Also includes the right to participate in Worthy Wealth's real estate investments at a fixed annual return of 14%.
Company
Worthy Wealth, Inc.
Corporate Address
11175 Cicero Drive, Suite 100, Alpharetta, GA 30022
Description of Business
We are a community investment and wealth building platform bringing higher-yielding, private credit opportunities to the masses. Customers can purchase our proprietary, fractional investments via mobile app and web platform after the SEC qualifies them for public sale.
Type of Security Offered for this RegD
Income Venture Units. Each unit consists of one share of common stock @ $10, three year Warrants @ $15 (investors can purchase up to the equivalent of 20% of their equity investment), and the right to participate with Worthy Wealth's real estate investments at a fixed return of 14% APY.
Purchase Price of Security Offered
$10.00
Minimum Investment Amount (per investor)
$50,000 (minimum $25,000 in equity*, and up to $25,000 in real estate investment participations earning 14% APY). *Investor may elect to have a larger portion of their investment in equity.
Why We Are a Worthy Investment
Worthy Wealth combines a financial product (high yielding, interest bearing securities) with an inventive delivery tool (a round-up app) making it easy for anyone to save and invest.
Worthy bonds are one of the few, higher-yielding financial products open to the retail investor that supports "Main Street" not Wall Street - therefore offering a social return in addition to a financial one.
Additionally, unlike most other investing apps, we own the underlying financial vehicles, the Worthy securities. These are proprietary products that we engineer and are in the process of qualifying for sale with the SEC so this provides a bit of a barrier to entry to other competitors given the complex federal and state regulatory qualification process.
We will also use a proprietary technology platform for handling the digital bond management and sales which adds additional value to our venture.
As we expand our offerings, services, number of registered users, and number of bondholders (all expected to increase our enterprise value), we will continue to explore alternative sources of liquidity for our shareholders. Management intends to pursue an exit strategy that maximizes shareholder value which could include either an initial public offering or acquisition by a larger company. 2
Micro-Invest
Worthy's proprietary bonds are only $10.00!
Painlessly Save
The Worthy app rounds-up every purchase you make and invests the "spare change".
Large Market
75 million millennials needing to save...and 37% of Americans don't even have $400 for an emergency.
Generous Interest
7%-15% interest (depending on product purchased) to grow that nest egg fast!
Alternative Investments Go Mainstream
Alternative investments are rapidly moving into the mainstream. Retail investors, confronted with volatile financial markets and the underfunding of their own retirements, are now following the path blazed by wealthy individuals and institutional investors in seeking a better financial return. These classes of investors had access to a variety of higher-yielding, investment opportunities then the masses were allowed to have - such as stock in growing private companies and lending money to private, creditworthy businesses or developers. This changed with the passing of The JOBS ACT in 2012, which altered long-standing securities laws and opened up these types of alternative investments for the rest of us.
Fueled in part by these new laws, a distrust of old guard financial institutions, and investors growing desire to have their money make a social impact, we believe both borrowers and investors are flocking to alternative, and more community focused, financial products to meet their capital needs and to diversify their portfolios. A study by State Street, indicates a continuing trend of shifting from public markets to private assets within portfolio allocations. More than a third of institutions (36 percent) have already allocated over half of their portfolio to private market investments, a number expected to rise to 41 percent within the next three to five years. Additionally, 59 percent of institutions have allocated at least 30 percent to private markets, with projections reaching 71 percent by 2028. Worthy is already playing a part in this historical shift towards private market investment opportunities.
Bottom line is we believe the 98% need access to higher yields and a more stable financial return and Worthy creates products to help.
Why Alternative Investments Are Worthy
According to most investment advisors, one of the important rules of portfolio management is to combine assets that make money independently and don't correlate with one another. Having investments in areas that react differently to the same event (such as a political development or a global pandemic) can balance an investor's risk and protect against loss.
Investors Need Diversification. A blended portfolio of traditional (such as stocks) and alternative investments (such as real estate, precious meals, private lending, etc) can offer benefits in performance and a reduction in volatility.
Portfolios Need Non-Correlation. To protect from market swings, investors need assets in their portfolios that don't directly correlate to movements in traditional investments such as stocks and ETF's.
Since diversifying investments across asset classes can improve your chances of not losing your money, Worthy's fixed interest bonds can be an attractive addition to a diverse portfolio.
We Are a Worthy Team
We are all in this for the right reasons so we are motivated and passionate about addressing financial inequities and about helping our clients thrive.
Aside from this, our management team has backgrounds that align with our product - including the fact that the founder was a registered investment advisor and pioneer in the online crowdfunding industry. Our Chief Operating Officer was a securities lawyer and former investment banker. All of our current executives were responsible for designing, bringing to market and selling over $250,000,000 in private market bonds prior to launching Worthy Wealth and are leaders in the industry.
But it's the team's intangible assets that ensure our ability to execute successfully - such as character, integrity, sincerity, creativity, humor, tenacity, and problem solving. And we have strong chemistry as a team. We eat, sleep and breathe our product and mission and will not stop until Worthy is in everyone's hands!
The Numbers
We’re on a mission to help people painlessly save and grow their money – and to do it in a way that better aligns with their values and lifestyle.
Join us by Investing!
Join Us in Offering Economic Opportunity for All
We want to help lift the financial burden off those who suffer from this stress. One of the few ways to grow a financial cushion is through access to higher-yielding investment returns but these asset classes are normally only reserved for the wealthy so we used new securities regulations to create a product that would be open to ALL. This is also about fairness - for 80 years the securities laws kept retail investors from accessing opportunities for real financial growth.
We invite you to join us on our mission to create a more equitable economy.
Commonly Asked Questions
What is Worthy Wealth?
We are a financial technology company that offers a community investment and wealth building platform. Our platform will give investors the opportunity to invest as little as $10 and earn 7%-15% interest, without having to pay any fees, through the purchase of Worthy bonds. The proceeds from the bond sales will be used to make secured loans and investments to real estate developers and the interest earned is shared with holders of Worthy Wealth securities.
Why was Worthy Wealth created?
People need a better way to build their wealth. Worthy was created to level the financial playing field and to support our fellow humans by offering an alternative way for them to painlessly grow their nest egg while supporting community real estate projects.
Why hasn't this type of investment always been available to investors?
Our national securities laws changed in 2012 as part of what was called The JOBS ACT and these updated laws opened private market investing opportunities to more Americans. Given this, entities such as Worthy Wealth are able to use a section of those laws - called Regulation A+ - to engineer new financial products for the masses. The majority of Americans can now potentially benefit from a better financial return as they have access to a wider variety of higher-yielding, private market investment vehicles like the Worthy Wealth bonds that will be sold using the fintech platform.
How long has Worthy Wealth been in business?
Although Worthy Wealth was only created in the last year, it followed a company founded by the same team operating in the same industry. The team not only has decades of experience in the financial industry but also specifically with selling over $250,000,000 in similar products to retail investors.
Who are your competitors?
While there are other technology companies offering digital investing and wealth solutions, currently none that we know of offer community-based investments such as the Worthy Housing Bonds and the preferred equity products we envision - particularly ones that are open to all US investors.
How do you make money?
The loans and investments our subsidiaries will make with the proceeds from the sales of our securities have a greater interest rate than the interest rate returned to Worthy Wealth bondholders. The Worthy Wealth companies will use the difference between the interest we generate and the rate we pay our community members to operate, while keeping returns consistent for our Worthies.
How do bondholders make investments?
Our platform will offer 3 ways to help bondholders save and invest. Community members can purchase bonds at any time manually through our “Buy Bonds” button. Alternatively to buying bonds on demand, they can auto invest through our “Round Ups” and “Recurring Investment” tools. The “Round Up” investment option works by monitoring a customer’s daily purchase transactions and tracking the difference between their purchase and the next whole dollar (so on a $2.50 purchase, .50 cents is tracked). A bond is triggered for the customer’s account each time the “spare change” from these purchases reaches the $10. bond buying threshold. Additionally, our “Recurring Investment” tool allows them to schedule their purchases daily, weekly, bi-weekly or monthly so they can invest without always having to remember to do so!
How does the investment process work to buy shares of Worthy Wealth?
You click the “Invest” button on this website and it will lead you through the purchase process - including identification verification. Once you have completed the online process of buying shares, you will be notified within 5 business days to fund the investment. Your shares will be issued and you will officially become a shareholder generally in several days, but could take up to 21 days of your funds being received and verified. As a new Worthy Wealth investor, you will receive a welcome email from our Transfer Agent (KoreTransfer) with details of your Worthy account when your shares are issued.
For the investment participation element (to participate in our real estate projects @14% APY), when an investment is approved by our Commitment Committee, a percentage of the investment amount will be reserved for the group of equity investors and will be allocated among them based on their pro-rata interest in the program. You will receive an email inviting you to participate with details on each approved investment.
How do I see and keep track of my shares once I buy them?
A transfer agent is a financial services company that manages and keeps track of registered shareholders for companies that issue stock. Our transfer agent is, KoreTransfer so they will handle the recordkeeping, reporting and communications for our shareholders. They will manage the official listing of all registered shares and shareholders, including the shareholder's name and contact information, along with records of dividends paid (if any) and other important shareholder information. You will have your own account and dashboard on the KoreTransfer platform to view your shares and to receive communication from us like any investor updates.
What’s the difference between the Worthy bonds and Worthy shares?
Worthy Wealth bonds are a debt product that pay a fixed annual interest and can be cashed in over a specified time period. Worthy Wealth shares are an equity product where you are purchasing an ownership stake in the company. The shares are not yet publicly traded as Worthy Wealth is a private company so the shares are not yet liquid - meaning you can’t “cash them in” at will. The hope is that as you hold the shares, they will increase in value and that a liquidity event such as the company being acquired or going public will happen in the not-too-distant future. There are also new secondary trading platforms emerging where private company shares can be bought and sold so this may be an additional channel for liquidity.3
How can I cancel my investment??
There are no cancellation or refunds available for investments made in this offering. Applicants are not charged for the investment until the personal information they have provided in order to purchase this investment has been vetted and approved.
Have more questions? We got answers
hello@worthywealth.com
PHONE
561-288-8467
ADDRESS
11175 Cicero Drive, Suite 100,
Alpharetta, GA 30022
₂ ₃ There is no guarantee of an IPO or exit so your investment may remain illiquid
IMPORTANT MESSAGE
IN MAKING AN INVESTMENT DECISION, INVESTORS MUST RELY ON THEIR OWN EXAMINATION OF THE ISSUER AND THE TERMS OF THE OFFERING, INCLUDING THE MERITS AND RISKS INVOLVED. THIS OFFERING IS SPECULATIVE, ILLIQUID, AND INVOLVE A HIGH DEGREE OF RISK, INCLUDING THE POSSIBLE LOSS OF YOUR ENTIRE INVESTMENT.
Neither the SEC nor any state securities commission or regulatory authority approved, disapproved, endorsed, or recommended the merits of the offering described in the offering circulars or reflected on this website. Any references on this website to past results should be read with the knowledge that past results are not indicative of future results. By accessing this site, and any pages thereof, you agree to be bound by our Terms of Use and Privacy Policy.
This offering under Regulation A is being conducted through Texture Capital Inc. (“Texture”), a FINRA member broker-dealer. You can review the background of our broker-dealer and our investment professionals on FINRA’s BrokerCheck here. Texture Capital Inc. is a member of SIPC and explanatory brochures are available upon request by contacting SIPC at (202) 371-8300. Texture is the Broker of Record and Placement Agent for this offering and is not an affiliate of nor connected with the Issuer. Texture conducts Anti-Money Laundering, Identity, and Bad Actor Disqualification reviews of the Issuer and ensures they are a registered business in good standing. Texture should NOT be relied upon to have validated or approved the information provided by the Issuer or the Issuer itself. Texture may direct applicants to specific sections of the Form 1-A to locate information or answers to their inquiry but does not opine or provide guidance on Issuer-related matters. Please review Texture’s Customer Relationship Summary and their Compensation Disclosure.
Texture Capital Inc. does not make recommendations regarding the appropriateness of any particular investment opportunity for any particular investor. An investment in these securities is speculative, involves a high degree of risk and may result in the loss of your entire capital contribution. Potential investors are advised to consult their legal, tax and financial advisors before investing.