A Successful Start
The history of the Money Merge Account begins nearly a decade ago, when Skyler Witman and John Washenko launched Accelerated Equity, a mortgage company dedicated to building a reputation based on competitive rates and the best terms in the market. As young entrepreneurs, the partners worked around the clock in the company's early years to give customers a high level of service and low rates.

By Accelerated Equity's third year in business, it had become one of Utah's fastest growing mortgage companies, attracting large numbers of both new business and returning customers. But in the face of all of this growth, Skyler and John began to notice the overwhelming mountain of debt their customers were accumulating. As loan officers, they could offer clients little help to pull themselves out of the mire of financial debt.

And so began years of research that would eventually launch a powerful new tool, revolutionary in its impact on the American mortgage system.

A Powerful Business Idea
After two years of researching the industry, Skyler and John initially offered their customers debt reduction programs such as a bi-weekly payment plan to help minimize their debt, but soon realized their customers' needed something more to meet their financial needs. In the summer of 2002, they discovered a method used in several countries to pay down mortgages in record time which required no day-to-day financial impact, while paying off debt and saving hundreds of thousands of dollars in interest.

Further research on these financial elements motivated Skyler and John to develop a top-notch IT division and contract with a mathematical engineer from GE Aeronautics to begin creating the mathematical algorithms (math engines) and system programming that would become the very heart of the Money Merge Account.

Several more years and millions of dollars were invested in research and development before a 1 year market test release rolled out in Denver, Colorado. To the pride and astonishment of the founders, homeowners from the initial 400 client test market who signed up for the Money Merge Account were achieving results even better than predicted.

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The Jubilee Project
801 208-9492

P. Thomas Chester was named Chief Executive Officer of United First Financial in June 2007 by the company founders. In announcing the position, Skyler Witman said, "We looked for a proven, world-class leader and found one who has 'walked the talk' of independent field forces for years. We welcome Thomas and his vision for making UFirst a major entity committed to helping our customers achieve financial freedom."

Thomas received his degree in electrical engineering. Knowing his passion and creativity lay in business and marketing, however, he began his career in financial services where he earned numerous awards for outstanding performance including Top Rookie, Hall of Fame, and member of the Million Dollar Round Table for six consecutive years.

After learning and implementing the power of management cloning and differentiation, Thomas was recruited by the CEO of Allstate Life to become the Chief Marketing Officer of Surety Life, a member company of the Allstate, Sears organization. Thomas then implemented key marketing programs for Surety Life that broke all time growth records in results such as: 700 to 38,000 agents, $3 to $15 billion in face amount sales, #400 to #16 in U.L. sales in national ranking within the industry in four short years. The company
was named the "fastest growing" life company in the U.S. by the A.M. Best's Review insurance publication. Following this success, he was elected President of Surety Life and a member of the Board of Directors, one of the youngest presidents of a major life company in the U.S.

Later, Thomas moved on to become Chief Marketing Officer of ING's broker division of the USA, Southland Life. Under his leadership, the ING affiliate entered the variable and fixed-index markets and again broke all time records in sales and new representatives throughout the U.S.

Thomas was subsequently named Chief Marketing Officer and Director of International Expansion of a large international marketing organization. The group recruited over 200,000 independent representatives in seven years, appointing over 12,000 duly licensed Life and Security representatives and ranking the organization as the 4th largest U.S.A. Broker-Dealer. Thomas also built and managed substantial growth markets in Canada, Mexico, Puerto Rico, Taiwan, and the Philippines.

Thomas then established his own financial services organization, New Dimensions, which became a prominent producing entity in Universal Index Life Sales with thousands of representatives nationwide.

Thomas has accepted and was appointed as Chief Executive Officer of United First Financial in June 2007. He states, "The UFirst opportunity and the educational planning services offered to the American public are some of the finest offerings available in the U.S. Actually, this unique service differentiates from any offering of its kind %u2026 and before its time! The opportunity to 'Strike at a Decisive Point' is what we call %u2026 a 'Market of the Moment' that is based on our 'New Perspective' initiative %u2026 where innovation, creativity, and change are not a one-time event, but rather an every day event to create a major entity serving the American public %u2026 ethically. I am honored and proud to be part of this great effort!"