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Financial Education Services Business Opportunity

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  • 1. BUSINESS PRESENTATION
  • 2. How Many People Are Affected By These Economic Times?
    How many people have less than perfect credit?
    How many people have more debt than they want, but just don’t know how to get it paid off?
  • 3. How Many People Are Affected By These Economic Times?
    How many people are leaving their families unprotected by not having a living trust, a will and a power of attorney over their financial and medical matters?
    How many people are susceptible to identity theft because they do not have identity theft protection?
  • 4. How Many People Are Affected By These Economic Times?
    How many people would be better off today if they had been properly educated on the matters of credit, finances and family protection during their formal school years?
    How important do you think it is for someone to protect their identity, credit, family, finances and future?
  • 5. More financial challenges for people than in any recent time in history
    More jobs have been lost
    More homes have been lost
    More savings & investments have been lost
  • 6.
    • 58% of people with credit cards, on a monthly basis do not pay their balance in full
    • 7. Those who carry credit card debt have an average balance of $17,103
    • 8. Those carrying $20,000 or more are likely to miss payments and see interest rates skyrocket and credit scores plummet
    • 9. In January of 2006, on average, U.S. households overspent their incomes by $575 and dropped the savings rate to the lowest it’s been in almost 80 years
  • It’s harder than ever to:
    Make important purchases
    Own a home or refinance
    Get a new car
    Get a new job
    Pay off debt
    Get a low interest rate loan
    Save money
  • 10. So How Did All Of This Happen?
    A Lack of Financial Education!
  • 11. THE COMPANY
  • 12. FINANCIAL EDUCATION SERVICES
    Provides:
    The education we needed a long time ago
    Products and services to protect your identity, credit, family, finances and future
    An opportunity for financial security
  • 13. FINANCIAL EDUCATION SERVICES
    Mike ToloffParimalNaik
    Founded in 2004
    Headquarters in Farmington Hills, Michigan
    Over 50 million dollars in sales
    Debt free
    Almost 200 employees worldwide
  • 14. PRODUCTS & SERVICES
  • 15. PRODUCTS & SERVICES
    Credit Restoration
    The Protection Plan
  • 16. WHAT IS A GOOD CREDIT SCORE?
    Believe it or not, most people don’t know!
  • 17.
    • FICO Scores range from 300 – 850
    • 18. Today, a 750 or above is the ideal score to provide the best benefits
    • 19. The national average credit score is a 680
    • 20. Only 13% of the US population is above an 800
    • 21. 15% of the US population is under a 550
    • 22. 22 states have a score below the national average
  • 23.
  • 24.
  • 25. Credit Restoration: United Credit Education Services
    6 year track record
    Top Rating with the BBB
    Served over 150,000 clients
    Removed almost 500,000 derogatory items from people’s credit reports
    Removed over 50,000 public records
    Satisfaction money back guarantee
  • 26. Documentation:
    Significant amounts of derogatory items removed from people’s credit reports enabling them to refinance their homes and cars and reduce their interest rates by up to 15%.
    Bankruptcies and other public record items removed allowing credit scores to increase well over 100 points.
    Late payments corrected to report paid as agreed.
    Credit scores increasing from the low 500’s and 600’s to the 700’s and 800’s in a matter of months.
    Individuals who have been originally declined for home, car and other loans are getting approved within several months.
  • 27. What Would It Be Worth To Have Excellent Credit?
    Other credit restoration services charge thousands of dollars, and this doesn’t even include the educational resources and coaching that’s included, nor do they have the documentation!
    It’s only $499
  • 28. Multiple dynamic products - one low fee of $87 per month!
  • 29. PROTECTION PLAN
    Did you know most people don’t have credit and financial experts answering their questions and educating them on how to maintain a positive credit score?
    Did you know that nearly 80% of all credit reports have errors and most people do not have ongoing credit analysis to keep their credit profile accurate?
    POSITIVE
    Credit Builder
  • 30. PROTECTION PLAN
    You Get:
    Comprehensive analysis of the positive and negative items impacting your credit.
    A personalized action plan to improve your credit file.
    Customized recommendations to build and maintain good credit.
    An Education Library, Resource Center and mortgage, college fund and insurance calculators.
    The option to dispute inaccurate accounts.
    POSITIVE
    Credit Builder
  • 31. PROTECTION PLAN
    Did you know most people do NOT have a Will, Living Trust or a Power of Attorney over their financial and medical matters?
    Do you want some strange government official making critical decisions about who will care for your children or what happens to your finances, property or other assets?
    Do you want your family to fight over your personal possessions or to be burdened with your estate?
    Will & Trust
  • 32. PROTECTION PLAN
    You Get:
    A Last Will, Living Trust and a Financial & Health Care Power of Attorney
    Unlimited changes and revisions
    Electronically stored data
    Peace of mind in case of an unexpected circumstance
    Will & Trust
  • 33. PROTECTION PLAN
    How many people have high debt and low savings?
    How many people are overwhelmed by their monthly payments?
    How many people have no budgeting plan to pay off their debt?
    How many people don’t know a way to simultaneously pay off their debt while building their savings?
    FESDebtZero
  • 34. PROTECTION PLAN
    You Get:
    The most effective and efficient user friendly debt payoff software program available today
    Mathematical algorithms that create a professional budget to adhere to:
    Pay off debt fast
    Save thousands 
    Increase savings while creating extra discretionary income
    FESDebtZero
  • 35. PROTECTION PLAN
    Did you know that identity theft is the fastest growing crime in the country?
    Did you know that someone’s identity is stolen every 3 seconds?
    Did you know that stolen identities can be misused up to 30 times?
    A stolen identity can cost years of time and thousands of dollars to restore.
  • 36. PROTECTION PLAN
    You get:
    • IdentityAlert
    • 37. $1 million service guarantee 
    • 38. WalletLock
    • 39. Peace of mind that your identity is secured
  • PROTECTION PLAN
    Youth Financial Literacy Foundation (YFL)
    • Educates young people from ages 8 to 18 on the matters of personal finance.
    • 40. Awards scholarships
    • 41. Each member automatically donates $2 each month to the YFL
  • FINANCIAL OPPORTUNITY
  • 42. Why People Need To Take Control
    • The worst recession in our lifetime
    • 43. Stock market crash
    • 44. People losing savings and retirement
    • 45. Equity in people’s home evaporating
    • 46. Unemployment at all time high
    • 47. Social insecurity
  • 48. There is no better time than right now to build something for yourself and your family
  • 49. (1) Now is the time to build a business for yourself and gain financial control…
    (2) The fortunes to be made will not come from physical distribution, but from intellectual distribution.
    ~ Paul Zane Pilzer
    World Renowned Economist
  • 50. How We Get Paid…
    Personal Sales Commissions
    Customer Acquisition Bonuses
    Training Bonuses
    Level Overrides
    Monthly Infinity Bonuses
    Generational Bonuses
    Global Profit Sharing Pool
  • 51. Personal Sales Commissions
    Begin sharing the products with others and you start earning up to 13% personal sales commissions on your first 3 sales
    Customer
    $65
    Customer
    $65
    Agent
    Customer
    $65
  • 52. Personal Sales Commissions
    After your 3rd sale, your personal sales commissions go up to 33% on all your future personal sales
    Customer
    $165
    Customer
    $165
    Agent
    Customer
    $165
  • 53. In this Theoretical Example:
    If you got 5 customers per week = over $3,300.00/Month
    If you got 3 customers per week = over $1,950.00/Month
    If you only got 1 customer per week = over $650.00/Month
    Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
  • 54. Team Building
    “It’s better to get 1% of a hundred people’s efforts rather than 100% of your own.”
    ~ J. Paul Getty, Billionaire
  • 55. Team Earnings
    You:
    $1600*
    Field Trainer
    Agent
    Personal Sales
    CAB
    Level 1 Override
    Level 2 Override
    Up to 33%
    $50
    4-5%
    Up to 33%
    Up to $75
    4-5%
    3-4%
    Agent:
    $400*
    Agent:
    $400*
    * In (1) Volume Month
    As a certified Field Trainer you earn up to a 10% Field Training bonus on any Agent’s first 3 sales NOT under another certified Field Trainer in your organization.
  • 56. Team Earnings
    As a Senior Field Trainer you earn up to a 10% Sr. Field Training Bonus on the first 3 sales under a qualified Field Trainer in your organization.
    As a Senior Field Trainer you also earn up to a 20% Sr. Field Training Bonus on any Agent’s first 3 sales NOT under a certified Field Trainer in your organization
    Sales Director
    Sr. Field Trainer
    You:
    5,000*
    You:
    10,000*
    Agent:
    500*
    Agent: 500*
    Agent: 500*
    Agent:
    1,000*
    Agent:
    1,000*
    Agent:
    1,000*
    Up to 33%
    Up to $225
    4-5%
    3-4%
    2-4%
    2-4%
    2-3%
    Personal Sales
    CAB
    Level 1 Override
    Level 2 Override
    Level 3 Override
    Level 4 Override
    Level 5 Override
    Up to 33%
    Up to $125
    4-5%
    3-4%
    2-4%
    2-4%
    * In (1) Volume Month
    * In (1) Volume Month
    Help develop at least (2) Field Trainers in your organization
    Help develop at least (4) Field Trainers in your organization
  • 57. Theoretical Example
    As a certified Sales Director, you would earn about $350 every time you personally enroll an Agent who makes their first sale at $499
    Agent/
    Customer
    $350
    Agent/
    Customer
    $350
    Sales Director
    Agent/
    Customer
    $350
  • 58. In this Theoretical Example
    If you got 5 Agents per week = about $7,000.00/Month
    If you got 3 Agents per week = about $4,200.00/Month
    If you got 1 Agent per week = about $1,400.00/Month
    Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
  • 59. Theoretical Example: Team Earnings
    Sales Director
    $3125 CAB
    Field Trainer
    Agent
    Field Trainer
    Field Trainer
    Agent
    Agent
    Agent
    Agent
    Agent
    Agent
    $150
    Field Trainer
    $175
    $175
    $175
    $150
    $150
    Agent
    Agent
    Agent
    Agent
    Agent
    Agent
    Agent
    Agent
    Agent
    Agent
    $150
    $150
    $150
    $150
    $150
    $150
    $175
    $175
    $150
    $150
    Agent
    Agent
    Agent
    Agent
    $150
    $150
    $150
    $150
  • 60. Theoretical Example: Team Earnings
    $750 Sr. Field Training Bonus
    Sales Director
    Field Trainer
    Agent
    Field Trainer
    Field Trainer
    Agent
    Agent
    Agent
    Agent
    Agent
    Agent
    $30
    Field Trainer
    $60
    $60
    $60
    $30
    $30
    Agent
    Agent
    Agent
    Agent
    Agent
    Agent
    Agent
    Agent
    Agent
    Agent
    $30
    $30
    $30
    $30
    $30
    $30
    $60
    $60
    $30
    $30
    Agent
    Agent
    Agent
    Agent
    $30
    $30
    $30
    $30
  • 61. Theoretical Example: Team Earnings
    $84 2nd Level Override
    Sales Director
    $104 3rd Level Override
    $188 Total
    Field Trainer
    Agent
    Field Trainer
    Field Trainer
    Agent
    Agent
    Agent
    Agent
    Agent
    Agent
    $12
    Field Trainer
    $12
    $12
    $12
    $12
    $12
    Agent
    Agent
    Agent
    Agent
    Agent
    Agent
    Agent
    Agent
    Agent
    Agent
    $12
    $8
    $8
    $8
    $8
    $8
    $8
    $8
    $8
    $8
    Agent
    Agent
    Agent
    Agent
    $8
    $8
    $8
    $8
  • 62. Theoretical Example: Team Earnings
    $3125.00
    $750.00
    $84.00
    $104.00
    $4063.00
    Customer Acquisition Bonus
    Sr. Field Training Bonus
    2nd Level Override
    3rd Level Override
    Total Bonuses
    Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
  • 63. In this Theoretical Example
    If you did this once a month
    = about $4,063.00/Month
    If you did this once a week
    = about $16,252.00/Month
    If you did this twice a week
    = about $32,504.00/Month
    Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
  • 64. Theoretical Example: Protection PlanResidual Income Potential
    You
    People
    5
    25
    125
    625
    3125
    15,625
    19,530
    Volume
    = $425
    = $2,125
    = $10,625
    = $53,125
    = $265,625
    = $1,328,125
    $1,650,050
    Income
    x $3.40 = $17
    x $3.40 = $85
    x $3.40 = $425
    x $3.40 = $2,125
    x $2.55 = $7,968
    x $2.55 = $39,843
    $50,463/mo
    85
    85
    85
    85
    85
    85
    85
    85
    85
    85
    85
    85
    85
    85
    85
    85
    85
    85
    85
    85
    85
    85
    85
    85
    85
    85
    85
    85
    85
    85
  • 65. Theoretical Example: Protection Plan
    As an Executive Ambassador ,
    if you were earning at least a 1.5% Infinity Bonus, that would add an extra $24,750 per month.
    Total = $75,000/mo
    Total = $7,500/mo
    Total = $750/mo
    Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
  • 66. Short Term vs. Long Term
    $
    Residual Earnings,
    Profit sharing
    Personal Sales
    Commissions,
    Customer Acquisition
    Bonus, Training Bonuses
    TIME
  • 67. TRAINING & SUPPORT
  • 68. Training & Support
    100%
    100%
    In this example, if we used 50% then we can see how fast the information breaks down
    Scientists have proven that people only retain 7-10% of what they hear at any one time!
    50%
    25%
    12%
    6%
    FES University
    3%
    You
    Contacts
  • 69. This Means Two Things!
    It doesn’t matter who invited you to take a look at the business or who enrolls you because they can’t impede your success.
    You can plug people that you know into the system and they might go out and do better than you!
  • 70. FES UNIVERSITY
    Gregg Amerman
    Hailed by world renowned speaker Les Brown as one of the best
    Author of “Things That Make You Go HMMM”
    Co-authored “Discover Your Inner Strength” with best selling authors Steven Covey, Brian Tracy & Ken Blanchard
    20 year track record of documented personal success in Network Marketing
    Developed, managed and trained sales organizations with revenues exceeding $100 million
    Founded the concept of Pure EdgeUtainment
    Frenita Amerman
    Tony Swiantek
    Kari Michaelsen
    Joe Locke
    Gregg Amerman
  • 71. WHAT YOU’LL LEARN
    HOW TO PROTECT YOUR IDENTITY, CREDIT, FAMILY, FINANCES & FUTURE
    THE POWER OF PERSONAL GROWTH AND SELF DEVELOPMENT
    THE SPECIFIC SKILLS REQUIRED TO BUILD A SUCCESSFUL FES BUSINESS
    HOW TO ACHIEVE SUCCESS IN ALL AREAS OF YOUR LIFE!!!
  • 72. MAKING A DECISION
    3 Kinds Of People
    Not the right time for the business, but interested in the service and will be glad to provide a referral.
    Interested in becoming an Agent and using the service, but wants more information and details and has some questions.
    Ready to start immediately! Just show me how!
  • 73. 4 Steps To Getting Started
  • 74. 4 STEPS TO GETTING STARTED
    Step #1 - Enroll & become an Agent –
    You Get:
    • Discounts on services
    • 75. Information package delivered to your home
    • 76. Personalized Web site
    • 77. FREE monthly online sales tracking system
    • 78. Agent support service
    • 79. Paid weekly & monthly
    • 80. Tax advantages
    $249.00
    Instant or Cash Rebate of $50.00
    $199.00
  • 81.
  • 82.
  • 83. 4 STEPS TO GETTING STARTED
    Step #2 - Be a believer – What do you need?
    Credit Restoration
    The Protection Plan
    - $499
    $399
    - $87
    NO ONE PERSON NEEDS TO BELIEVE MORE THAN YOU!
  • 84. 4 STEPS TO GETTING STARTED
    Step #3 - Building Your Referrals
    Who Do You Know:
    • Has less than perfect credit?
    • 85. Does not have a will and living trust?
    • 86. Whose identity is unprotected?
    • 87. Would like a system on how to pay off their debt?
    • 88. Could use some extra income?
    • 89. Wants to become financially free?
    MAKE A LIST – DON’T PREJUDGE!!!
  • 90. 4 STEPS TO GETTING STARTED
    Become great at inviting while you
    learn to become great at explaining.
    YOU
    EDIFY
    PROMOTE
    TRUST
    RAPPORT
    CONTACTS
    EXPERT
    RESPECT
    CREDIBILITY
  • 91. 4 STEPS TO GETTING STARTED
    Step #4 – Training & Support
    • Online Business Office
    • 92. Conference Calls
    • 93. Basic Trainings
    • 94. Advanced Trainings
    • 95. Annual Convention
  • CONGRATULATIONS!Welcome to the FES Team!