DECLARATION OF VICTORIA JACQMEIN 

Pursuant to 28 U.S.C. Section 1746, the undersigned states as follows: 

1. My name is Victoria Jacqmein. I am over twenty-one years of age and have 

personal knowledge of the matters set forth herein. 

2. I am a Paralegal Specialist at the U.S. Securities and Exchange Commission (the 

“Commission”). 

3. On July 22, 2020 I went to the site www.abettefinancialplan,com and printed pages. 

4. Attached as Exhibit A is a true and correct copy of the pages I printed from the 

website abetterfinancialplan.com. 

I declare under penalty of perjury that the foregoing is true, correct, and made in good faith. 

 

Executed on this 22nd day of July 2020. 

_________________________ 

 VICTORIA JACQMEIN 

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At A Better Financial Plan, we deliver better investment returns with a 

lot less risk, and we have no shortage of clients that can vouch for 

that statement. There are better, safer ways to increase wealth and 

that’s our focus at A Better Financial Plan.

A Team You Can Trust

Working with A Better Financial Plan will be an educational process and 

never at any point involve pressure to invest with us.

We want you to understand our alternative investment offerings and 

help you determine if they are a fit for your short and long-term 

financial goals.

MEET THE TEAM

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READY FOR THE NEXT STEP?

Call us directly at (484) 425-

7393 to learn more about 

Dean Vagnozzi’s disruptive 

stock market alternative 

strategy manual.

CALL US AT (484) 425-7393 

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One of the best things that ever happened to Dean Vagnozzi was the 

day he got fired from his accounting job.

About Dean 

Vagnozzi

Dean Vagnozzi is not your typical Financial 

Advisor. He’ll suggest you avoid your company’s 

401k. He’ll tell you not to pay off your mortgage. 

He’ll advise you to forego an IRA. He’ll hit you 

with numerous ideas, none of which you’ve ever 

heard your current money manager utter.

a

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After playing four years of college football and graduating from 

Albright College in 1990 (with an accounting degree no less) Dean 

was certain that crunching numbers was to become his future. A 

guaranteed ticket to financial success. Until his boss sat him down 

one day – three months into his first job out of college – and told 

him that accounting wasn’t for him. “You’re in the wrong business. 

You should get into sales”, Dean was told. And though that bit of 

advice was a hard pill to swallow at first, it turned out to be a 

blessing in disguise.

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Dean In The Media

Dean’s investment tips have been published in Yahoo Finance, 

Bankrate.com, Foreign Policy, and more.

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SEE MORE

Dean’s natural enthusiasm and magnetic energy was not meant for a 

repetitive, number-crunching, solitary profession. Dean’s burning 

desire to get ahead – and to help others get ahead – was the real 

path to his future. 

Not long after that fateful day, Dean began his career in “Corporate 

America”. Armed with a base salary, decent benefits and a nice 

retirement package, Dean was well on his way to a thriving career. 

For more than a decade, Dean sold computer systems and then ERP 

software for SAP America. He then joined the SAP Consulting 

Practice for Deloitte, and then Anderson. It was also during this time 

that Dean met his wife, Christa. With his career in place and a family 

in front of him, Dean began to think about his financial future – 

even more seriously than he had before.

With all of this in mind, Dean purchased his first life insurance 

policy. The initial purchase was made through a friend of his (truth 

be told – to get the guy off his back) and ironically enough, it 

eventually led to Dean being “that guy”. 

You see, while working for “Corporate America”, the stock market 

was in the middle of three years of major declines (2000 – 2002). 

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yahoo! Bankrate 

finance 

I I 

IEFII heWorld 

Financial Review BENZINGA 

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As Dean watched his 401(k) and his “safe” investments get 

decimated, Dean began to become disillusioned with the stock 

market. 

The idea of forging his own financial security and seeking 

investment opportunities not tied to the stock market prompted 

Dean to begin studying wealth management in earnest, enrolling in 

seminars, reading books and researching unorthodox money 

management tactics. Questioning the logic behind investments that 

you essentially couldn’t touch until retirement, real estate seemed to 

be the answer. After all, everyone else seemed to be investing in real 

estate at the time.

During this time, Dean had also just finished reading a book called 

“Rich Dad, Poor Dad” by Robert Kiyosaki. In the book, the author 

wrote about utilizing his life insurance policy to purchase real estate. 

Needing the liquid cash and not wanting to miss the real estate 

opportunity in front of him, Dean borrowed cash from his life 

insurance policy, which by that point had $70,000 of cash value. A 

year later, Dean made $75,000 on that real estate purchase... and 

all of that started from the cash he borrowed from his life insurance 

policy, an asset that most people are unfamiliar with. 

Seven years and 25 real estate transactions later, Dean had made 

just under $1 million by flipping real estate. What’s more, every real 

estate purchase was made by leveraging the cash value within his 

life insurance policy. Essentially, his policy became his bank.

And from there, “A Better Financial Plan” was born.

Well, almost.

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By 2003, Dean’s friends and family all wanted in on this novel 

approach to making money and started giving their money to Dean 

so that they could invest in real estate together. By putting their 

money together, Dean and his cohorts were able to purchase bigger 

units and more real estate. 

He was “making money” with his friends and for his friends, which 

was great, but it also highlighted the need for the investment 

opportunities to become more formal. It was then that Dean met an 

attorney that specialized in securities law, John Pauciulo, who is still 

Dean’s attorney to this day.

John Pauciulo is pivotal to this story, as he helped Dean put together 

“corporations”, utilizing Private Placement Memorandums, which 

allowed Dean to raise money from friends and family by “pooling 

their money” and therefore, investing in real estate opportunities 

that they could not afford on their own. 

Simultaneously, Dean decided to leave “Corporate America” and 

enter the insurance business full time. Dean had a yearning desire to 

control his destiny while also teaching people how to do exactly 

what he was doing, which was using the cash value of his life 

insurance policies to acquire and invest in alternative asset classes.

It was a novel idea at the time, and he was taking a great risk by 

leaving his six-figure salary. But Dean had a hunch. And it was at 

this moment that Dean’s true entrepreneurial spirit really began to 

take flight. 

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By 2008, as most people realize, the real estate market took a major 

nose-dive, and well, you know the rest of that story. Luckily (and 

skillfully), Dean took the learned lesson of “pooling money” and was 

able to rebound. 

A few years later, Dean truly found his niche. By going against the 

grain in terms of traditional investments and offering his clients a 

variety of alternative cash-intensive investment opportunities that 

have nothing to do with Wall Street, Dean’s alternative investment 

portfolio quickly grew.

Thus, “A Better Financial Plan” was officially born. 

Incorporated in 2010, Dean and his colleagues at A Better Financial 

Plan (ABFP) now offer five different types of investment products, 

all in industries with proven returns. The company is one-of-a-kind, 

offering investments that most people cannot afford on their own 

and none of which have anything to do with Wall Street.

Dean feels strongly in diversification of your assets and that his 

alternative investment opportunities are safer and less volatile than 

the stock market. With products that proudly boast returns of 11 – 

14% on average, Dean offers his clients a more secure and steady 

option to help grow their individual wealth.

With offices based out of King of Prussia, Pennsylvania and Marlton, 

New Jersey, A Better Financial Plan now has 15 employees and 

thousands of clients. 

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Within the past decade, ABFP has invested over $200 million for 

their clients, who typically invest approximately 25 – 50% of their 

portfolio within ABFP’s alternative investment offerings. 

Dean and his wife, Christa, live in Collegeville, PA. They have four 

children – two girls and two boys between the ages of 17 and 24. In 

his spare time, Dean can be found on the golf course, sitting by his 

pool or reading a book on a Caribbean beach.

READY FOR THE NEXT STEP?

Call us directly at (484) 425-

7393 to learn more about 

Dean Vagnozzi’s disruptive 

stock market alternative 

strategy manual.

CALL US AT (484) 425-7393 

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Come Join Our Financial 

Movement!

We’ve delivered 10-14% annual returns or better using alternative 

investments that were put together with one of Philadelphia’s 

largest law firms. These investments have nothing to do with Wall 

Street and they are NOT annuities.

Over 1000 Clients

Offices in PA and NJ

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Incorporated in 2010

Returns of 10 – 14%

$200MM+ Invested For Clients

15 Employees 

CONTACT US TODAY

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 

What Our Clients are Saying

Josh Melrose

Investor

"I have had a great experience investing with Dean Vagnozzi 

far. I look forward to seeing my portfolio grow and very highl

recommend Dean and team for a 401k alternative, this afford

you the opportunity to earn real money and returns that outperform the market."

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 

Jay Buck

Investor

"A good experience. Very confident that we made an 

exceptional investment. Thanks for all your time to answer a

our questions and provide the information needed to become

part of the Better Financial Plan."

READ MORE TESTIMONIALS

ABOUT US

Our Team

About Dean Vagnozzi

Press & Media

Privacy Policy

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Website by Franklin Digital

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What’s the Catch?

By Dean Vagnozzi

As the weeks wind down and world is slowly opening up, I 

have decided to address the most searched terms when it 

comes to working with my firm, A Better Financial Plan. 

One of them, although it makes me cringe to even type, is 

“Dean Vagnozzi Criminal Record.” But I guess that’s par for 

the course when you advertise extensively, have thousands 

of positive reviews and are as outspoken as I am. I know that 

potential clients will inevitably wonder, “what’s the catch?”

What’s the Catch?

a

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Is Dean Vagnozzi a scam artist? Is A Better Financial Plan 

1346 a fraud? Of course they would be skeptical! And so 

would I!

Solet me save you a lot of time. There is no catch. 

So stop looking for one. Stop googling, stop searching to see 

if Dean Vagnozzi is a scam, stop looking on the Better 

Business Bureau’s website to see if A Better Financial Plan 

1346 is a fraud. I have never had a criminal record in my life 

and I am very confident that there never will be. 

In fact, to the best of my knowledge, the only law that I 

think I ever broke was a speeding ticket that I received on 

the New Jersey Turnpike back when I was in my early 20’s. 

That is about the only misdemeanor that I have ever been a 

part of. (Jeez, I sound like a lot of fun, don’t I?)

I am the father of four wonderful children and have an 

amazing wife. I live in the suburbs of Philadelphia, cheer on 

my kids’ sporting events (well, before the COVID-19 

quarantine) and go jogging with my daughter every day. My 

wife and Ivolunteer and foster dogs that are being trained to 

be seeing eye dogs (we teach them basic skills on how to be 

around people before they head to seeing eye dog training

in Morristown, New Jersey). I spend my weekends reading a 

book by the pool (or staying up way too late reading in my 

home office) and probably about once a week I hang out with 

my old high school buddies on the golf course. I take 

vacations with my family about twice a year, visit my parents 

in Florida often, and was planning to take a cruise with my 

entire staff and their significant others before this whole 

pandemic hit. Family is my first priority. Anyone that knows 

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me would vouch for that. Heck, even my own son Alec and 

my father in law, Jerry, work for me. As further proof, even 

my own parents are invested in the asset classes that A 

Better Financial Plan has to offer.

With all that said, you are obviously looking up my criminal 

record on the internet to determine if you should come visit 

me and my staff at the office or to determine if you should 

move forward investing with me if we have already met. And 

quite frankly, I do not blame you for doing this type of 

research. I do so myself every time that I invest with a new 

company or financial opportunity. When it comes to any type 

of financial investment, whether it be a stock, asset class, 

car, house, or even an appliance... you SHOULD ALWAYS do 

your research! 

We do our research at A Better Financial Plan (ABFP) too! At 

ABFP we thoroughly research the alternative investment 

opportunities that we have to offer prior to any offering that 

may be made available to our clients. Our team of attorneys, 

accountants, and operations staff thoughtfully vet any and 

all opportunities that come our way. We are always looking 

for creative investment opportunities to add to our asset 

classes, and very rarely do the pitches that are being given 

to us make the cut. The asset classes that ABFP offer are 

hand-picked, reviewed and considered for weeks, sometimes 

months, before any of them are even spoken about to our 

clients. Again, my own parents are invested with A Better 

Financial Plan, so I can assure you, I wouldn’t let them invest 

in just anything.

So with that, I invite you. Take just one look at 

abetterfinancialplan.com and read the testimonial page

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and you will see the proof. Dozens of videos and audio clips 

from very happy clients. In fact, we had so many happy 

clients share their testimonials with us that we recently took 

a full-page spread in the Philadelphia Inquirer that featured 

over 35 testimonials all raving about A Better Financial Plan. 

To be honest, we could have put more, but we ran out of 

room!

Within the past 17 years, A Better Financial Plan has invested 

over $250 million for our clients. All of ABFP’s portfolio of 

investment opportunities consistently deliver on average 10 

– 14% in monthly or quarterly returns and all of our 

investments have absolutely nothing to do with the stock 

market. Our clients typically invest approximately 25 – 50% 

of their financial portfolio within ABFP’s alternative 

investment offerings.

If you’d like to hear more, don’t hesitate to contact us. You 

can find all of the different ways to get in touch with us at 

abetterfinancialplan.com. Once we hear from you, we will 

educate you thoroughly on all of the investment classes that 

we offer. 

So back to the original topic of this blog. I can assure you 

that my record is squeaky clean. And I intend to keep it that 

way. Dean Vagnozzi’s criminal record and Dean Vagnozzi 

scam are non-existent!

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ABOUT US

Our Team

About Dean Vagnozzi

Press & Media

Privacy Policy

LEARN MORE

Our Investments

Buy The Book

Financial Blog

Free Chapter Download

Contact Us

FOLLOW US

CONTACT US

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With $250 million under management for more than 1,000 

investors nationwide, A Better Financial Plan meets one-onone with more clients in a weekthan many financial planners 

see in a year. Even with the current laws for social 

distancing due to the COVID-19 pandemic, their phones 

With Dean 

Vagnozzi, Bad 

Investments Don’t 

Exist

a

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have not stopped ringing. While the one-on-one meetings 

have paused, they have been able to continue to serve new 

and current clients virtually in a seamless transition.

For the past sixteen years, A Better Financial Plan has 

offered creative alternative investment strategies not tied to 

the stock market.Each investment is thoughtfully created to 

bring you increased wealth, with lower volatility.ABFP offers 

five different asset classes in five different industries that 

offer a much lower risk than investing in Wall Street. 

Especially in today’s extremely volatile financial, political, 

and social climate. 

A Better Financial Plan was founded in 2004 by Dean 

Vagnozzi with one goal in mind. Tired of the volatility of his 

own investments and believing that there had to be a better 

(and smarter) way to invest than the 401(k) and / or an IRA, 

Dean Vagnozzi wanted to level the playing for field for 

middle class investors by providing alternatives to everyday 

retirement strategies that are more in tune with today’s 

average investor. Through careful research and tried and true 

tactics, Dean has been able to offer the sameinvestment 

strategies tomid-level investors opportunities that wealthy 

investors have been using to produce overwhelmingly 

positive and consistent results for decades/

All ofABFP’s portfolio of investment opportunities 

consistently deliver on average 10 – 14% in monthly returns 

on behalf their diverse client base. 

All ofthe investment opportunities are carefully vetted and 

facilitated by one of the nation’s largest law firms. 

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And each make money through opportunities that have 

absolutely nothing to do with Wall Street. Again, with Dean 

Vagnozzi, bad investments don’t exist.

With the help of Dean Vagnozzi’sattorney, John Pauciulo, and 

one of the largest law firms in the Philadelphia region, 

clients at ABFP are able to “invest like the big boys” by 

pooling their money together and creating Private 

Placement Memorandums, which then allows clients to 

invest in opportunities that they otherwise may not have 

access to. Each asset class comes with the Vagnozzi 

enforcement that the investment must be safe, liquid, and 

less volatile than anything put together by Wall Street. In 

other words, none of ABFP’s investments are available 

through a traditional brokerage firm. Each one is unique and 

carefully thought out to suit their clients’ investment style 

and comfort level.

Dean Vagnozzi alternative investmentsprovide safe 

investments that deliver outstanding returns and fixed 

future payouts by sidestepping the volatility of the stock 

market, unimpressive returns offered by indexed annuities, 

and unreliable prices of gold and silver. That coupled with an 

economy that is responding to new global issues every day – 

from our current pandemic response to political and 

environmental concerns and innovative new technology 

advancements, Dean knows that this is a complex and scary 

time to be planning for retirement, enjoying your retirement, 

or simply saving your money for a rainy day. If you want a 

glimpse of what we have to look forward to in the year 

ahead, here is a great example 

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investors-have-to-go-back-to-1929-to-find-dailyswings-this-wild-2020-04-07.

Dean Vagnozzi understands as much as anyone that the 

sheer number of retirement and investment options out 

there can be overwhelming for the average investor. Dean 

feels strongly in diversification of your assets and that his 

alternative investment opportunities are safer and less 

volatile than anything the stock market could offer.A Better 

Financial Plan’s investment opportunities are backed by two 

of the largest international companies in the world and were 

created with the help of one of the nation’s largest law 

firms. With products that proudly boast returns of 11 – 14% 

on average, Dean offers his clients a more secure and steady 

option to help grow their individual wealth.

A Better Financial Plan, LLC was founded in 2004 by Dean 

Vagnozzi with a vision that flying in the face of 

conventional-but-flawed wisdom can produce results the 

average middle-class investor never dreamed possible. In 

2016, Vagnozzi furthered his vision by publishing the 

disruptive stock market alternative strategy manual: A Better 

Financial Plan: Significantly Improve Your Finances Without 

the Help of Wall Street. 

With offices based out of King of Prussia, Pennsylvania and 

Marlton, New Jersey, A Better Financial Plan now has 15 

employees and thousands of clients. To learn more, please 

visit https://www.abetterfinancialplan.com/.

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ABOUT US

Our Team

About Dean Vagnozzi

Press & Media

Privacy Policy

LEARN MORE

Our Investments

Buy The Book

Financial Blog

Free Chapter Download

Contact Us

FOLLOW US

CONTACT US

   

Website by Franklin Digital

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