Transcript Document

The Revolution
Striving to change what people
think is possible.
Revolutionizing an Industry
Our Two Great Passions
1.
2.
Help the consumer
with our financial
message
Help people build
strong, enduring
businesses that can
provide a great
quality of life
2
Our First Passion:
Helping Families Financially in the Marketplace
The Current Situation of Too Many Families:
Under protected and living with
too much debt
Not saving, or if they are, not
clearly understanding why, how
much, or the ultimate goal
Often just too busy and too distracted
to stay on top of these things
Don’t have a strategy, don’t make
enough money, not sure
what to do about it
3
3
The State of Our Industry
American Families:
An underserved
marketplace
Business models of
many financial companies
are geared toward the
more affluent
Increasing need,
not enough people
to help
4
4
What We do for Families:
We help people set goals and establish
strategies to reach them
Give a basic knowledge of the products
that help these strategies work
The foundation is simple and
straightforward:
Long-Term Savings
Short-Term Savings
Debt Reduction/Elimination
Protection (Various Forms of Insurance)
5
A Different Way of Doing Business
We believe in being respectful,
not high pressure
Our three step process:
No business is done on the first visit, build a
relationship of trust, gather data/information
2. Input information into goal setting and projection
software as needed, develop recommendations
3. Return with suitable strategies and solutions, complete
paperwork and follow-up in all ways necessary
1.
6
The Rule of 72
You can determine what kind of savings plan works best for you and
your budget by using The Rule of 721 – dividing 72 by the interest rate
to estimate the number of years it takes for your money to double.2
Age
4%
Age
6%
Age
8%
Money doubles every 18 years
Money doubles every 12 years
Money doubles every 9 years
29
47
65
29
41
53
65
29
38
47
56
65
1.
2.
$10,000
$20,000
$40,000
$10,000
$20,000
$40,000
$80,000
$10,000
$20,000
$40,000
$80,000
$160,000
Age
12%
Money doubles every 6 years
29
35
41
47
53
59
65
$10,000
$20,000
$40,000
$80,000
$160,000
$320,000
$640,000
All figures are for illustrative purposes only and do not reflect an actual investment in any product. They do not reflect the
performance risks, expenses or charges associated with any actual investment. Past performance is not an indication of future
performances. The Rule of 72 is a mathematical concept that approximates the number of years it would take to double the
principal at a constant rate of return. The performance of investments fluctuates over time, and as a result, the actual time it will
take an investment to double in value cannot be predicted with any certainty. Additionally, there are no guarantees that any
investment or savings program can outpace inflation. Please note that high risk has been historically associated with high
returns.
Tax and/or legal advice not offered by World Financial Group, Inc. or its affiliated companies. Please consult with your personal
tax professional or legal advisor for further guidance on tax or legal matters.
7
The Wealth Formula3
1)
Income
Savings
LT Savings
2)
Income
Spend
Borrow
WEALTH
Debt
POOR
When do we begin to become wealthy?
The moment we decide it’s more important to save than
it is to spend and we take action on our decision.
Other than not saving at all, what is the next great
obstacle to building wealth?
Putting it off
3.
This is a concept/goal developed by World Financial Group (WFG) for illustrative purposes only. In no way does this statement
offer, guarantee or otherwise imply any financial gain or reward as a result of joining WFG. The term "wealth" is subjective and
must be defined on an individual basis.
8
The High Cost of Procrastination
An Illustration of the power of wasting time:
Person A: Saves $5,000/yr in a Roth IRA for 40 years
Person B: Saves $5,000/yr in a Roth IRA for 38 years
Both: Earn a 10% average rate of return
We might think the only difference is the
$10,000 contribution for person B, but the
loss is much more dramatic:
Person A has:
Person B has:
The Difference:
$2,212,963
-$1,820,217
$392,746
9
The High Cost of Procrastination
We just saw the two year loss is:
Per year the loss is:
Per month the loss is:
Per week the loss is:
Per day4 the loss is:
Per hour5 the loss is:
$392,746
$196,373
$16,364
$4,091
$818
$102
If you have a hole in your pocket,
when do you sew it up?
4.
Assuming 20 working days per month
5.
Assuming 8-hour workday
10
Distribution:
With Your Best Interest
In Mind
This illustration considers how much a person in the 25% tax bracket could
accumulate, depending on the distribution program chosen, if he or she were to
save $5,000 a year over 30 years at a 4 or 8 percent rate of return(9). Annual aftertax income reflects amount available without ever touching the principle.
AT A 4% RATE OF RETURN (ROR)
AT A 8% RATE OF RETURN (ROR)
$48,948.39/yr
$36,703.76/yr
$25,140.50/yr
$11,665.67/yr
$7,350.40/yr
$245,013.39
$8,749.25/yr
$291,641.68
$291,641.68
$419,008.39
$611,729.34
$611,729.34
9 Assumes 25% tax bracket. The rates of return chosen are for illustrative purposes only and should not be viewed as
an indication of performance for any particular investment. Rate of return is a hypothetical example for illustrative
purposes only and does not reflect the actual investment in any product. They do not reflect the performance risks,
expenses or charges associated with any actual investment.
11
World Financial Group, Inc.
an
company
AEGON N.V. is an international life
insurance, pension and investment group
based in The Hague, The Netherlands.
AEGON N.V. has businesses in more
than 20 markets in the Americas,
Europe and Asia.
AEGON N.V. was ranked one of the worlds
top companies in 2009 by Forbes in its
annual ranking of the world’s biggest and
most powerful public companies.6
6.
The Forbes Global 2000 is a comprehensive list of the world’s biggest and most powerful companies based on a composite measure of
sales, profits, assets and market value. As of April 8, 2009 on Forbes.com.
Our Industry Support
7
7
7
7
8
8
We’re able to select quality products from these and other
companies to help people reach their financial objectives.
WFG associates must be properly appointed, licensed and/or securities registered to do business with the above-listed companies.
7.
Maintains current selling agreement(s) with World Financial Group Insurance Agency, Inc. (WFGIA).
8.
Maintains current selling agreement(s) with Investment Advisors International, Inc. (IAI).
13
Our Second Passion
Helping People Build Strong, Enduring Businesses
To create a quality opportunity it is critical
to have:
Dramatic market need
A simple, effective business system
Powerful compensation
Good economic timing
A clear management philosophy and a
capacity to do what’s right long term
14
The Power of a Simple System
Building big and building fast
requires simplicity
Uncomplicated:
For ease of duplication and rapid repetition
Proven and effective
Mentoring from experienced leadership
Look at business success stories
around us
15
Ways People Earn Money
Hourly/salaried employee
Work for yourself
Business owner with
employees/associates
Investor: Your money makes money
Ideally we want to :
Get in business with others, increase our income,
save and earn a rate of return
16
Our Way
Become a Business Owner in Financial Services
Personal Activity (Work for Yourself)
Override a Team (Business Owner)
Renewals and Trails
“ I would rather
Save and compound
earn 1% off of
100 people’s efforts
your money
than 100% of my
own efforts.”
Leave a generational
– Jean Paul Getty,
legacy for
American Industrialist
your family
17
Building Income
The following example shows how helping one family results in $1,968 of commission paid to the field.9,10
For this example, the commission amount is based on an average Indexed Universal Life (IUL) insurance
policy11 sale to a 40-year-old male who is contributing $200 per month to the IUL.
Associate12,13
Per Month
$2,755
(Helps four families per month)
Per Year
$33,060
Qualified Marketing Director12,13
$5,116
$61,392
Qualified Marketing Director leading a five-person team12,13,14
• Only Qualified Marketing Director’s team members
help four families each per month
$11,808
$141,696
• Qualified Marketing Director and each team member
helps four families per month
$16,924
$203,088
(Helps four families per month)
14
14
9 Opportunities to build other income may be achieved by qualifying for additional compensation and by qualifying for bonus pools.
10Commission amount may vary based on product type and size of purchase.
11Please be aware that insurance products are sold by prospectuses, which contain more information about the product’s fees, charges and limitations. Be certain to perform a thorough review
of the entire prospectus. Historical performance does not guarantee future investment results.
12This is a hypothetical scenario for illustrative purposes only. There is no assurance that these results can or will be achieved. Income is earned from sales of World Financial
Group authorized products and services. No income is earned for recruiting. See the current World Financial Group Field Manual for compensation percentages on all diversified
product lines. All compensation plans subject to change. Promotional criteria/designations are determined and offered by or through World Financial Group. Personal
percentages earned on products may vary based on promotional level with WFG. As of Jan, 1, 2007, WFG Associate contract level of 35%, Qualified Marketing Director contract
level of 65%, Qualified Marketing Director override level of 30%.
13Associates of World Financial Group are independent contractors, regardless of field title/designation.
14Example assumes all Qualified Marketing Director’s team members are at the Associate level.
* World Financial Group, Inc. (WFG) is a financial services marketing company whose affiliates offer life insurance and a broad array of financial products and services. Insurance products are
offered through World Financial Group Insurance Agency, Inc. (WFGIA) or its subsidiaries. WFG and WFGIA are affiliated companies.Headquarters: 11315 Johns Creek Parkway, Duluth, GA
30097-1517, PO Box 100035, Duluth, GA 30096-9403. Phone: 770.453.9300. WorldFinancialGroup.com
** Many people have experienced different levels of success with World Financial Group. However, individual member experiences may vary. This statement is not intended, nor does it,
represent that any current member's individual results are representative of what all participants achieve when following the World Financial Group system.
18
Timing is Everything
Now, more than ever, the market is ripe for change – to be led by a visionary financial
services company that is forward-looking and knows what consumers need and want
before they know it themselves. World Financial Group is that company.
An estimated 77 million people – born between 1946 and 1964
– are considered members of the Baby Boomer Generation.10
15. About.com: Senior Living, Baby Boomers, October 2009.
19
The Power of Timing
Our world has dramatically changed
Part-time opportunity/extra income is
in much greater demand
People want more control of their
careers and income
This is an excellent time to offer a
quality business opportunity
Make the most of this era
20
Our Management Philosophy:
Stand for Something from the Beginning
Business strength, like personal strength,
begins with strong core values
 Honesty, integrity, trustworthiness, dependability, respect
 A vital question, can you be trusted?
What is the ultimate reflection of character
 How we treat other people
 Learn to speak the language of EPR
Treat others in business how you would want to be
treated
Be a personal example of being wise with your
money
Be optimistic, always look for the best
Never stop dreaming about how much better life can be
21
Build a Business You Can Be Proud Of
We work hard and have fun.
We believe in giving back.
Be a part of a history making company.
In order to qualify for participation in contests, and to receive prizes and awards, an individual must have an active membership in and be in good
standing with World Financial Group and its affiliated companies.
Many people have experienced various levels of success with World Financial Group. However, individual experiences may vary. This statement
is not intended to nor does it represent that any current individual's results are representative of what all participants achieve when following the
World Financial Group system.
22
Build a Business You Can Be Proud Of
We work hard and have fun.
We believe in giving back.
Be a part of a history making company.
In order to qualify for participation in contests, and to receive prizes and awards, an individual must have an active membership in and be in good
standing with World Financial Group and its affiliated companies.
Many people have experienced various levels of success with World Financial Group. However, individual experiences may vary. This statement is
not intended to nor does it represent that any current individual's results are representative of what all participants achieve when following the
World Financial Group system.
23
Primary Reasons People Join Us
Those who join our company seem to fall
into one of these four categories:
Part-Time – Like their job, need extra income
Part-Time – “Plan B” backup, need extra income
Part-Time – Dissatisfied, like to make a change
Full-Time – Want to make a career change now
24
Take a Serious Look
Next Steps:
Pick up a packet
Sit down within the next 24-48 hours
with one of our leaders for a follow-up
interview to see what significance
today’s presentation may have for you
25
World Financial Group, Inc. (WFG) is a financial services marketing company whose
affiliates offer life insurance and a broad array of financial products and services.
Insurance products are offered through World Financial Group Insurance Agency, Inc. (WFGIA) or its subsidiaries.
Investment advisory services offered through Investment Advisors International (IAI). In Ohio, Texas and Alabama, services
are provided under the name of IAI Advisors International, Inc.
WFG, WFGIA and IAI are affiliated companies.
Headquarters: 11315 Johns Creek Parkway, Duluth, GA 30097-1517,
PO Box 100035, Duluth, GA 30096-9403. Phone: 770.453.9300.
WorldFinancialGroup.com
World Financial Group and the World Financial Group logo are registered trademarks of
World Financial Group, Inc. and are used with permission.
All other trademarks used with permission.
2327/10.09