Вебинар: "Всегда Есть Деньги"

Presenter / source

• Arthur Bulatov — financial consultant, mentor, founder/teacher at the Academy of Financial Consulting. Works with VIP clients; claims total client portfolios > $45M (≈ 4.5 billion RUB).
• Client mentioned: Olympic tennis champion Ekaterina Makarova.
• Webinar format: hosted on Zoom.

Assets, instruments and sectors mentioned

• Currencies: Russian ruble (RUB), US dollar (USD).
• Bank deposits (RUB).
• Real estate — Moscow secondary market (apartment price per m² used as example).
• Equities / index exposure — S&P 500 (index exposure example).
• Fixed‑income / USD instruments (example: “5% in dollars” conservative instruments).
• Cryptocurrency (separate crypto course; described as high‑risk/high‑return).
• Other services/instruments: insurance products, family trusts, tax optimization, second citizenship, cross‑border capital remittance, opening investment accounts via curator/mentor.

Key example numbers, timelines and performance illustrations

All numeric examples and index/FX values below are those used by the presenter in the webinar (some figures were rounded for simplicity).

Starting capital example

• Starting capital: 6,600,000 RUB (Sep 2013).
• RUB/USD Sep 2013 used by presenter ≈ 33 RUB/USD → 6.6M RUB / 33 ≈ $200,000.
• Presenter’s current RUB/USD assumption ≈ 100 RUB/USD → $200,000 today ≈ 20M RUB (currency‑driven gain if held in USD).

Bank deposit (rubles) scenario

• Assumed deposit return: 8% p.a. for 10 years.
• 6.6M RUB at 8% for 10 years → ≈ 14.25M RUB (presenter’s illustration, ≈ $142k using his FX assumption).

Real estate (Moscow secondary market) scenario

• 2013 example price: ~170,000 RUB/m² → 6.6M RUB buys ~38 m².
• Current example price: ~260,000 RUB/m² → that 38 m² ≈ 10M RUB (~$100k).
• Rental income example: 40,000 RUB/month → 480,000 RUB/year → 4.8M RUB over 10 years.
• Combined sale + 10 years rent ≈ 14.8M RUB (~$148k).

USD fixed‑income scenario

• Invest $200,000 at 5% p.a. for 10 years → ≈ $325,000 → ≈ 32.5M RUB (using presenter’s current FX assumption).

S&P 500 scenario

• Presenter cited S&P 500 values: Sep 2013 ≈ 2,949; current ≈ 9,715 (used to compute growth).
• $200,000 invested in that index in 2013 → presenter’s calculation ≈ $658,000 today → ≈ 65.8M RUB.

Comparative conclusions (presenter’s point)

• Traditional local choices (bank deposit, buying an apartment, keeping cash in rubles) produced smaller RUB outcomes over 10 years than holding USD and/or investing in US equities in the presenter’s comparisons.
• S&P 500 scenario produced the largest RUB outcome in these examples (≈ 65M RUB vs ~32M for USD fixed income, ~20M for holding USD, ~14–15M for deposit or apartment + rent).

Investment advice, methodology and risk management

Core approach taught in the course “There is always money”:

• Start with a personal financial plan: define goals and time horizons.
• Match tools to goals/time horizon — there is no single “ideal” tool for all goals.
• Diversify: never put all capital in one instrument; split among baskets, currencies and instruments.
• Build a financial “foundation” first, then layer regular (conservative) strategies, then active strategies.
• Psychological work: identify and address financial blocks (a psychologist is included in the course).
• Practical implementation: weekly homework, curator support, help opening investment instruments, and creation of an individual portfolio tailored to investor psychotype.

Quote used as an analogy:

“Financial Ironman” — discipline and consistent periodic actions (like training) produce results over time.

Cautions emphasized:

• Crypto is described as very risky; do not allocate all capital to crypto.
• No competent advisor should invest all client capital into a single instrument.
• Recommended sequence: build a foundational financial plan before advanced topics (for example, deep crypto training).

Course structure (8 weeks) — high level

• Week 1: Purpose of money, financial goals.
• Week 2: Financial psychology — invited psychologist to work on blocks.
• Week 3: Selecting tools by goal/time horizon; start with personal financial plan.
• Week 4: Presenter’s proprietary formula “There is always money” (design/build your system).
• Week 5: Practical implementation of the formula (foundations).
• Week 6: Popular regular (conservative) strategies.
• Week 7: Active investment strategies and access to partner investment opportunities in the presenter’s “financial marketplace.”
• Week 8: Delivery of individualized portfolio (by goals, time horizons, investor psychotype); ongoing curator/mentor support.

Products / services offered

• The 8‑week paid course “There is always money”.
• Practical mentoring/curator support and help opening investment instruments.
• Separate crypto course (“Crypto. It’s simple”) — recommended only after the foundational course.
• Advisory services: capital management, asset protection (trusts, second citizenship), tax optimization.

Pricing and logistics (as presented)

• Course delivery: online (Zoom) with recordings; each student assigned a curator.
• Promotional pricing mentioned (presenter’s timeline/dates were stated verbally and are somewhat unclear):
  • Early/limited promo: 25,000 RUB if paid before Sep 15 (presenter’s deadline).
  • Later tiers: 35,000 RUB and 50,000 RUB closer to Sep 30.
• First lesson start date: Sep 30.
• No installment plan for this course (crypto course may have different terms).

Disclosures, presenter positioning and disclaimers

• Presenter frames himself as a practitioner and mentor and offers paid training and advisory services.
• Emphasis on practical outcomes: students receive portfolios and curator support to implement them.
• Warnings against common pitfalls: abandoning courses halfway, investing all capital into one instrument.
• No explicit legal “not financial advice” phrase was recorded, but the session is promotional/educational and includes paid offerings.

Notable claims and credibility notes

• Recognized within his advisor community (claimed “best financial advisor” in 2021).
• Claims to manage/work with client portfolios totaling > $45M.
• Uses market comparisons (FX moves, deposits, real estate rents, S&P 500 returns) to illustrate the impact of currency exposure and asset selection over a 10‑year horizon.

Explicit recommendations / cautions (summary)

• Build a personal financial plan first.
• Match instrument choice to goal and time horizon.
• Diversify — don’t put all capital in one asset.
• Treat crypto as high risk; study it after building a foundation.
• Use curated practical help (curator/mentor) when opening investment instruments if inexperienced.

Sources / presenters mentioned

• Arthur Bulatov (webinar presenter, financial consultant/mentor)
• Ekaterina Makarova (client mentioned, public figure)
• Academy of Financial Consulting / community of financial advisors (organization)
• Invited psychologist (unnamed)
• Unnamed mentor shown in photo and unnamed partner providers for investment opportunities

Notes about numeric accuracy

• All numerical examples, index levels and FX figures are those used by the presenter and were sometimes rounded for simplicity. Verify current S&P 500 levels and RUB/USD rates before making decisions.