"It Will Change The Way You View The Moneytary System Forever"
FAST TRACK CYC ~ A 90 Day Experience
Claim Your Credits. Build Your Private-Side Power. A private, high-touch coaching program to help you recoup the credits that are rightfully yours — and make sure they appear where they belong: on your IRS transcript.
What You'll Accomplish in 90 Days:
This isn’t fluff. It’s a structured, actionable journey into credit reclamation, using your IRS data as your map.
🛡 1. Establish Your Living Status & Private Trust
Learn how to create your Revocable Living Trust and officially claim your status as a living, breathing being — not just a corporate fiction. This step anchors your standing with your state and repositions you to act as the rightful fiduciary over your estate.
💳 2. Turn Debt Into Credit Using Banking Law
Discover how to apply principles of fractional reserve banking and debt leverage to identify credit owed to your estate. We’ll explore how the system creates money — and how you can use that knowledge to lawfully convert liabilities into assets under your name.
🧾 3. Access & Add Credits on Your IRS Transcript
You’ll learn how to have your credits properly accounted for on your IRS transcript, and more importantly, how to initiate the process of pulling them down via your tax returns. We’ll walk through the forms, timing, and techniques required to make this actionable.
📜 FAST TRACK CYC - 90-Day Outcome —
What You’ll Achieve
✅ Prepare Your Documentation & Identity:
Make certified copies of your Birth Certificate, Social Security Card, and ID/Driver’s License
Organize essential personal documents for your trust and IRS filings
✅ Establish Your Revocable Living Trust & Claim Living Status:
Create your Revocable Living Trust customized with your name and SSN details
Obtain an EIN for your trust directly from the IRS
Notarize your trust documents for legal standing
Sign all trust paperwork in purple ink for private status
Produce color copies of your complete trust package for your records
Record your trust certificate with your county clerk to formalize your trust publicly
Request and secure certified copies of your recorded trust
✅ File Controlling Documents with the IRS:
Download, complete, and sign IRS Forms 2848 (Power of Attorney) & 8821 (Tax Information Authorization)
Learn to fill these forms correctly to establish control of your trust estate
Submit your IRS forms via fax or online through the IRS’s secure portals
✅ Draft and Submit a Non-Decedent Letter:
Create and notarize a non-decedent letter affirming your living status
Make certified copies of your notarized non-decedent letter for official use
✅ Assemble & Submit IRS Document Packets:
Compile a comprehensive IRS packet containing:
Cover sheet/letter of intent
Copies of your key identity documents
Completed IRS forms
Non-decedent and trust documents
Mail the packet directly to the IRS office or send via fax
✅ File with Your State’s Attorney General & Secretary of State:
Prepare separate packets for both offices, including:
Attorney General Letter
Secretary of State Letter
Required identity and trust documents
Non-decedent letters
Mail each packet with green certified return receipt for proof of delivery
✅ Set Up Banking for Your Trust & Estate:
Open a Trust Bank Account at your chosen institution, providing notarized trust paperwork, IRS EIN confirmation, and bank resolution documents
Learn to input essential trust and EIN information correctly at the bank
Understand strategies for opening accounts at traditional banks and brokerages like Fidelity — even in challenging situations
✅ Navigate Your IRS Transcript & Claim Your Credits:
Set up your IRIS account and gain access to your IRS transcripts
Identify credits already assigned to your SSN and trust
Learn how to have these credits reflected on your IRS records
Gain insight into strategies for pulling these credits down into your personal or trust bank account
✅ Understand Your Standing as a Private Fiduciary:
Shift from acting as a public debtor to operating as a private fiduciary in control of your estate
Implement processes that reinforce your standing as a living being, not a legal fiction
✅ Step-by-Step Community & Mentorship Support:
Receive live coaching, Q&A, and direct mentorship throughout the 90 days
Access archived replays of every session
Participate in an active Telegram group for ongoing accountability and support
Get direct answers, feedback on documents, and help troubleshooting every step
What's Included:
Live Support:
~ 9 x 90-minute Live Classes +/or Q&A Sessions
~ 40 hrs x 12 weeks of TG coaching support
~ Guest coaches/teachers including Rikard Krvaric & Gwendolyn Bean
~ Replay archives available 24/7
~ High-level strategic instruction + real-time walkthroughs
~ Community troubleshooting, guidance, and momentum
~ Ask questions, get clarity, stay accountable
~ FREE CYC 6-STEPS Course [$999 Value]
Investment & Enrollment Details:
FAST TRACK 90-Day Experience
Your full access to live classes, recordings, group support, and step-by-step coaching:
✅ $1399 One-Time Payment
— or —
✅ 3 Monthly Payments of $649
Optional VIP Messaging Support:
Would you prefer to keep everything private? With a VIP upgrade, you'll have access to your private coach via private chat in Telegram.
Get personalized answers, document feedback, and help troubleshooting in real time.
Monday–Friday, 10am–6pm CST.
Add for just $999 (total program cost = $2,398*).
Only 3 VIP spots available.
Limited Enrollment — Only 5-8 Spots Per Cohort
FAST TRACK is a private, application-only program.
We only accept students who are:
~ Ready to take consistent action
~ Committed to finishing the full 90-day process
~ Willing to take personal responsibility
~ Done with guessing — and ready to get results
No fluff. No gurus. Just real tools, real support, and real outcomes.
About Your Coach:
Johanna Gardner is the Communications Director at Fast Track Trustee and a seasoned coach and financial strategist with decades of experience in finance, corporate consulting, and real estate. She empowers individuals to step into private-side living with confidence, guiding them through the complexities of trust creation, credit reclamation, and asset protection with clarity and care.
Johanna has helped 1000's of professionals and entrepreneurs restructure their personal and financial affairs to experience greater freedom, ease, and joy around money. Her coaching blends step-by-step practicality with deep knowledge of mortgages, banking, IRS processes, and fiduciary responsibilities—making her a trusted mentor for those ready to reclaim self-governance in the private domain.
Known for her clear communication, strategic insight, and unwavering commitment to her students' success, Johanna is dedicated to helping others claim what’s rightfully theirs and build a foundation for lasting financial freedom.
Originally from England and raised in Hong Kong, Johanna is a world traveler, artist, and mother of two grown sons, with a grandson on the way. In her free time, she enjoys creating art and exploring personal growth.
Learn more:
JohannaGardner.com
Former Owner & CEO: InnOnTheRiverwalkSA.com
FAQ's:
Q: Who is this program for?
A: FAST TRACK is for individuals ready to take control of their private estate, claim their credits, and learn to operate as a private fiduciary. It’s ideal for those who want actionable steps, expert support, and are committed to completing the process.
Q: Do I need any experience with law or taxes to join?
A: No prior experience is required. We’ll teach you step-by-step, starting from the basics of organizing your documents to filing the necessary forms, setting up trusts, and navigating your IRS transcripts.
Q: How long will it take to start seeing results?
A: While everyone’s timeline varies, most students begin seeing movement on their credits and IRS records within the 90-day program. Completing each step on schedule will give you the fastest path to results.
Q: Is this legal?
A: Everything we teach uses public statutes, IRS guidelines, and proper processes. We don’t give legal advice, but we show you how to work within the law to claim what’s yours. Many of these processes have been used by thousands of people who successfully reclaim their standing.
Q: What if I can’t make the live calls?
A: No problem! All live classes and Q&As are recorded and archived so you can catch up anytime. You’ll also have ongoing support in the private Telegram group to ask questions between sessions.
Q: How much time should I set aside each week?
A: Plan for 2-4 hours per week to attend calls, gather documents, complete filings, and interact in the group. The more consistently you work, the faster you’ll complete your process.
Q: What if I have questions specific to my situation?
A: That’s exactly why we include group Telegram support — and you can upgrade to VIP messaging for personalized, one-on-one help from your coach during business hours.
Q: Why is the program limited to only 5-8 students per cohort?
A: We keep cohorts small to ensure every participant receives personalized attention, detailed document reviews, and responsive support. This isn’t a cookie-cutter course; it’s a high-touch mentorship.
Q: Can I add my spouse/partner for free?
A: Each cohort is capped at 5-8 participants only. (Perhaps, on occasion there might be a temporary 6th person, until another cohort opens.)
Because of the time and energy it takes to coach each individual persons matter, it's not condusive to open the door to other spouses or partners (or 'friends) joining for free—otherwise it wouldn’t be fair to you or the rest of the group. That’s why enrollment is per person. If a spouse, partner, or friend wants to join, they would need their own spot.
Your coach will always answer questions that directly support you and your learning, especially when the insight naturally benefits your family too.
What your coach can’t do is answer questions on behalf of another person who isn’t enrolled.
Holding this boundary is what keeps the program valuable and fair for every single member.
Q: What are the terms and conditions of working with Fast Track Trustee?
Please go here to read the most updated Terms and Conditions:
FTT Terms and Conditions
Q: Do you offer refunds?
A: Due to the live, personalized nature of this coaching program, we do not offer refunds. We encourage only those fully committed to completing the program to apply.
All Payments are non-refundable. Enrollment in FAST TRACK CYC Education requires one or three monthly payments. Failure to complete any payment (including the second or third installment) may result in suspension of access. The buyer will be given a brief opportunity to resolve the missed payment. If payment is not received or an arrangement is not agreed upon within 5 days of missed payment, the buyer will be removed from all FAST TRACK CYC Education, including CYC 6-STEPS Course and the Telegram Private Group, at the discretion of the provider. No refunds will be provided for prior payments.
Q: How do I apply?
A: Click the “Apply Now” button on this page and complete the application form. We’ll review it to ensure you’re a good fit and contact you with next steps if accepted.
Why FAST TRACK CYC Works:
Most people try to do this with half-information from Telegram channels and YouTube. But they never take action — or worse, they do it wrong and get stuck. FAST TRACK CYC isn’t just information. It’s: ~ A clear step-by-step proven path forward ~ A small cohort of 5-8 other committed doers Mentorship from those who have walked the path and helped others do the same. This is your time to move from confusion to confidence — and from theoretical to practical.