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Is this a marketing question or a legal/securitization question?
I've thought about the same thing, although my location makes it more difficult. In terms of the mechanics of the deal, Its probably simplest to use an investment partnership of some sort. For marketing, perhaps seminars of some sort?
Taking a step back for a moment, I think you need to rethink your target market. Widows and orphans are invested in "safe" securities for a reason: they depend on the money. Ignoring the investment merit of the idea, I think we could at least agree that the higher potential return also brings a higher risk.
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