OMB APPROVAL
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OMB Number: 3235-0145
Expires: February 28, 2009
Estimated average burden
hours per response...............14.5
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
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CUSIP No.
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76130805
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Page
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2
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of
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10
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Pages
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|||||||
1
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NAMES OF REPORTING PERSONS
I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (ENTITIES ONLY)
Wealth Engineering LLC
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||||||||||||
2
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CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions)
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(a) o
(b) o
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|||||||||||
3
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SEC USE ONLY
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||||||||||||
4
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SOURCE OF FUNDS (See Instructions)
WC
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||||||||||||
5
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CHECK IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e)
N/A
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o | |||||||||||
6
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CITIZENSHIP OR PLACE OF ORGANIZATION
New Jersey
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||||||||||||
NUMBER OF
SHARES
BENEFICIALLY
OWNED BY EACH
REPORTING
PERSON WITH
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7
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SOLE VOTING POWER
43,731,893
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|||||||||||
8
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SHARED VOTING POWER
0
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||||||||||||
9
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SOLE DISPOSITIVE POWER
43,731,893
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||||||||||||
10
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SHARED DISPOSITIVE POWER
0
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||||||||||||
11
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AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
43,731,893 sole voting and sole dispositive power.
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||||||||||||
12
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CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (See Instructions)
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o | |||||||||||
13
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PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
6.9%
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||||||||||||
14
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TYPE OF REPORTING PERSON (See Instructions)
OO (Limited Liability Company)
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CUSIP No.
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76130805
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Page
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3
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of
|
10
|
Pages
|
|||||||
1
|
NAMES OF REPORTING PERSONS
I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (ENTITIES ONLY)
Mario Romano
|
||||||||||||
2
|
CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions)
|
(a) o
(b) o
|
|||||||||||
3
|
SEC USE ONLY
|
||||||||||||
4
|
SOURCE OF FUNDS (See Instructions)
OO
|
||||||||||||
5
|
CHECK IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e)
N/A
|
o | |||||||||||
6
|
CITIZENSHIP OR PLACE OF ORGANIZATION
United States
|
||||||||||||
NUMBER OF
SHARES
BENEFICIALLY
OWNED BY EACH
REPORTING
PERSON WITH
|
7
|
SOLE VOTING POWER
0
|
|||||||||||
8
|
SHARED VOTING POWER
43,731,893
|
||||||||||||
9
|
SOLE DISPOSITIVE POWER
0
|
||||||||||||
10
|
SHARED DISPOSITIVE POWER
43,731,893
|
||||||||||||
11
|
AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
43,731,893
|
||||||||||||
12
|
CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (See Instructions)
|
o | |||||||||||
13
|
PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
6.9%
|
||||||||||||
14
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TYPE OF REPORTING PERSON (See Instructions)
IN/HC
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CUSIP No.
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76130805
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Page
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4
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of
|
10
|
Pages
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|||||||
1
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NAMES OF REPORTING PERSONS
I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (ENTITIES ONLY)
Gina Romano
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||||||||||||
2
|
CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions)
|
(a) o
(b) o
|
|||||||||||
3
|
SEC USE ONLY
|
||||||||||||
4
|
SOURCE OF FUNDS (See Instructions)
OO
|
||||||||||||
5
|
CHECK IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e)
N/A
|
o | |||||||||||
6
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CITIZENSHIP OR PLACE OF ORGANIZATION
United States
|
||||||||||||
NUMBER OF
SHARES
BENEFICIALLY
OWNED BY EACH
REPORTING
PERSON WITH
|
7
|
SOLE VOTING POWER
0
|
|||||||||||
8
|
SHARED VOTING POWER
43,731,893
|
||||||||||||
9
|
SOLE DISPOSITIVE POWER
0
|
||||||||||||
10
|
SHARED DISPOSITIVE POWER
43,731,893
|
||||||||||||
11
|
AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
43,731,893
|
||||||||||||
12
|
CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (See Instructions)
|
o | |||||||||||
13
|
PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
6.9%
|
||||||||||||
14
|
TYPE OF REPORTING PERSON (See Instructions)
IN/HC
|
CUSIP No.
|
76130805
|
Page
|
5
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of
|
10
|
Pages
|
|||||||
1
|
NAMES OF REPORTING PERSONS
I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (ENTITIES ONLY)
Annette Raynor
|
||||||||||||
2
|
CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions)
|
(a) o
(b) o
|
|||||||||||
3
|
SEC USE ONLY
|
||||||||||||
4
|
SOURCE OF FUNDS (See Instructions)
OO
|
||||||||||||
5
|
CHECK IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e)
N/A
|
o | |||||||||||
6
|
CITIZENSHIP OR PLACE OF ORGANIZATION
United States
|
||||||||||||
NUMBER OF
SHARES
BENEFICIALLY
OWNED BY EACH
REPORTING
PERSON WITH
|
7
|
SOLE VOTING POWER
0
|
|||||||||||
8
|
SHARED VOTING POWER
43,731,893
|
||||||||||||
9
|
SOLE DISPOSITIVE POWER
0
|
||||||||||||
10
|
SHARED DISPOSITIVE POWER
43,731,893
|
||||||||||||
11
|
AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
43,731,893
|
||||||||||||
12
|
CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (See Instructions)
|
o | |||||||||||
13
|
PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
6.9%
|
||||||||||||
14
|
TYPE OF REPORTING PERSON (See Instructions)
IN/HC
|
CUSIP No.
|
76130805
|
Page
|
6
|
of
|
10
|
Pages
|
|||||||
1
|
NAMES OF REPORTING PERSONS
I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (ENTITIES ONLY)
Kevin Raynor
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||||||||||||
2
|
CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions)
|
(a) o
(b) o
|
|||||||||||
3
|
SEC USE ONLY
|
||||||||||||
4
|
SOURCE OF FUNDS (See Instructions)
OO
|
||||||||||||
5
|
CHECK IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e)
N/A
|
o | |||||||||||
6
|
CITIZENSHIP OR PLACE OF ORGANIZATION
United States
|
||||||||||||
NUMBER OF
SHARES
BENEFICIALLY
OWNED BY EACH
REPORTING PERSON WITH
|
7
|
SOLE VOTING POWER
0
|
|||||||||||
8
|
SHARED VOTING POWER
43,731,893
|
||||||||||||
9
|
SOLE DISPOSITIVE POWER
0
|
||||||||||||
10
|
SHARED DISPOSITIVE POWER
43,731,893
|
||||||||||||
11
|
AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
43,731,893
|
||||||||||||
12
|
CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (See Instructions)
|
o | |||||||||||
13
|
PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
6.9%
|
||||||||||||
14
|
TYPE OF REPORTING PERSON (See Instructions)
IN/HC
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(a)
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This Schedule 13D is filed on behalf of Wealth Engineering LLC (“Wealth Engineering”), Mario Romano, Gina Romano, Annette Raynor and Kevin Raynor (collectively, the “Reporting Persons”).
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(b)
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The principal business address of each of the Reporting Persons is 281 Highway 34, Suite 204B, Colts Neck, NJ 07722.
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(c)
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Wealth Engineering markets on-line financial education software and services. Wealth Engineering functions in the capacity of business development for these products and actively markets the products of the Issuer. Mario Romano is the President and Chief Executive Officer of Wealth Engineering. Gina Romano is a member of the Board of Managers of Wealth Engineering. Annette Raynor is the Vice President, Chief Operating Officer, Secretary and a member of the Board of Managers of Wealth Engineering. Kevin Raynor is a member of the Board of Managers of Wealth Engineering. Mario Romano and Gina Romano are husband and wife. Kevin Raynor and Annette Raynor are husband and wife.
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(d)
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During the past five years, none of the Reporting Persons has been convicted in a criminal proceeding (excluding traffic violations or similar misdemeanors).
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(e)
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During the past five years, none of the Reporting Persons has been a party to a civil proceeding of a judicial or administrative body of competent jurisdiction, and as a result of which was subject to a judgment, decree or final order enjoining future violations of, or prohibiting or mandating activities subject to, federal or state securities laws or finding any violations with respect to such laws.
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(f)
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Wealth Engineering is a New Jersey limited liability company. Each of Mario Romano, Gina Romano, Annette Raynor and Kevin Raynor is a United States citizen.
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No. 1. | Exhibit | |
1. | Joint Filing Agreement | |
Agreement dated as of September 23, 2010 between Issuer and Wealth Engineering LLC (incorporated by reference to Exhibit 10.6 to the Issuers Repot on Form 8-K filed with the Securities and Exchange Commission on September 23, 2010) |
Wealth Engineering LLC
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By:
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/s/Annette Raynor
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Name:
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Annette Raynor | |||
Title:
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Vice President and Chief Operating Officer | |||
/s/Mario Romano | ||||
Mario Romano | ||||
/s/ Gina Romano | ||||
Gina Romano | ||||
/s/Annette Raynor | ||||
Annette Raynor | ||||
/s/Kevin Raynor | ||||
Kevin Raynor |
Wealth Engineering LLC
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||||
By:
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/s/Annette Raynor
|
|||
Name:
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Annette Raynor | |||
Title:
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Vice President and Chief Operating Officer | |||
/s/Mario Romano | ||||
Mario Romano | ||||
/s/ Gina Romano | ||||
Gina Romano | ||||
/s/Annette Raynor | ||||
Annette Raynor | ||||
/s/Kevin Raynor | ||||
Kevin Raynor |