When you're ready to run files, not just read about them.
SFS Foundation is 12 months in our private SFS Operator group on Skool. Inside are 8 written courses on how surplus-funds recovery works: finding lists, locating the owner, making the claim, and handling the money. You also get a place to ask questions and weekly live office hours. It's education only: no leads, no 1:1 coaching, and no promise of income.
Surplus Funds Secrets is the education side of Full Circle Asset Recovery. As of September 2026, Full Circle has pulled official surplus-fund lists in 27 states and has 17,500+ owner records in its recovery pipeline.
What's included
12 months in the private SFS Operator group on Skool.
The written classroom: 8 courses, 70 pages. Topics: foundations and lanes; building your own list pipeline; locating the claimant; making the claim; compensation structures; money, timing and tax; disputes and safe recovery; practice and handover.
Community support in the group, with replies within 2 business days.
Weekly live office hours with Carl and Matt: Thursdays, 7–8 PM Eastern, on Google Meet (it's on the Skool calendar).
Updates we publish during your 12 months.
No subscription. Full refund within 14 days of purchase, no questions asked.
Renewal: $99 a year after the first 12 months, only if you choose it. Never charged automatically.
Join SFS Foundation — $500Checkout calls it “SFS Operator Community” (the private group it opens). Same product. Help after you join: post in the group or email info@surplusfundssecrets.com. Replies come within 2 business days.
Not included.
- —No 1:1 coaching and no done-for-you file review.
- —No leads or lead lists.
- —No attorney access and no legal advice. We are not a law firm.
- —No partnership or JV. Working a file with Full Circle is not part of the $500.
- —No AI or software built for you, and no private integrations.
- —No promise of income or results.
It's for people who want to learn how surplus-funds recovery works, step by step, and do the work themselves. It's not for anyone who wants leads handed to them, a done-for-you service, a partner to work their files, or quick money.
The only guarantee that exists here is the refund.
Questions, straight answers
Yes. Full refund within 14 days of purchase, no questions asked. Email info@surplusfundssecrets.com.
You can renew for $99 a year if you want to. Nothing renews or charges on its own.
Not as part of the $500. The $500 is the education. Working a file with Full Circle is invitation-only, case by case, under its own separate agreement. It is never promised when you buy.
No. Foundation teaches how to find and check lists yourself. Lead research is a separate Full Circle service.
We don't promise income or results. It's education. Real files move at the speed of courts and counties, and it varies file to file and state to state.
No. We are not a law firm and can't give legal advice.
Yes. Weekly live office hours with Carl and Matt, Thursdays 7–8 PM Eastern (it's on the Skool calendar), and questions in the group get a reply within 2 business days. There is no 1:1 coaching.
The lessons are written pages in Skool.
Depends on your state — some require licensing, registration, or an attorney to file. Verify with your state before you file anything.
No. The price is the price. Join because you've watched the work and want to do it properly.