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  • AEGON N.V. is one of the world’s leading listed life insurance companies ranked by market capitalization and assets.
  • More than 78 million people – born between 1946 and 1964 – are considered members of the Baby Boomer Generation.* Generations X and Y – comprised of people born between 1965 and 1994 – make up 42% of the U.S. population.** “ 66% of the people who have ever reached age 65 are still alive today.” — Dr. Ken Dychtwald • “The Boomer Century” * According to http://www.AARP.com , June 2004. ** Michael Fleischner, “Marketing to Generation X and Y,” http://bigmarketing .wordpress.com/2007/01/30/marketing-to-generation-x-and-y/ , Jan. 30, 2007.
  • What can you, a WFG financial services professional, do to become more mindful of the Great Wealth Transfer? Understand the tax laws involved in wealth transfer.* Set up relationships with third-party advisors. Take another look at current clients. Look at the whole picture. * Tax and/or legal advice not offered by World Financial Group, Inc., World Group Securities, Inc. or their affiliated companies. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters.
  • Firms that require a minimum account size have increased their average minimum to almost $500,000.* 85.5% of U.S. Households have a net worth of less than $500,000.** * 2007 Rydex Advisor Benchmarking Research Study ** Center For Wealth and Philanthropy at Boston College, Study of 106,486,490 households.
  • • In 2005, for the first time ever, household debt levels surpassed household income in America by more than 8%, reaching 108%.* • While disposable personal income increased in 2005, personal savings as a percentage of personal income dropped to –0.4%.** • More than one-third (37%) of Generation X are not saving in their 401(k) plans, and when they do save, their rate of contribution is lower than that of Baby Boomers (7.2% vs. 8.5%, respectively).*** • Only 31% of workers ages 18 to 25 are eligible for 401(k) participation in their companies’ plan. Among those Generation Y workers who participate in a 401(k) plan, the average contribution is 5.6% of pay.*** * Christian E. Weller, “Drowning in Debt,” Center of American Progress, May 2006. ** “Three Generations Prepare for Retirement,” Hewitt Associates LLC, Feb. 2006 *** “Three Generations Prepare for Retirement,” Hewitt Associates LLC, Feb. 2006.
  • Option 1 – Client If you are satisfied with your career and discretionary income, consider becoming a client. Take advantage of WFG’s strategies to help move toward financial independence. Option 2 – Self-employed/Twin Career Licensed, quality profession with a great training program Earn supplemental income through your personal effort Control your time and create a career on your terms Potential positive tax benefits of self-employment
  • Option 3 – Business Owner Using our system, build a WFG business as big as your commitment and vision Take advantage of a variety of incentives, including: • Supervisory overrides • Bonus pools • Renewals & Trails • Stock options* • Entrepreneurial program * Eligibility/availability governed by governing plan documents.

Transcript

  • 1. Opening Doors to Move You from Dreaming to Doing
  • 2. Who We Are
      • A financial services marketing organization with tremendous resources
      • A company that represents some of the world’s leading financial services providers, not just one, to the consumer
      • A leadership team with vast experience in the financial services industry
  • 3. Our Mission
    • To help families achieve financial independence.
    • Our Vision:
      • To build the world’s best and largest financial services marketing organization.
    • Our System:
      • Powerful proven solutions for building a successful business.
  • 4. Building on Strength
      • AEGON N.V. was ranked one of the world’s top companies in 2007 by Forbes in its annual ranking of the world’s biggest and most powerful public companies. 1
      • AEGON N.V.’s three major markets are the United States, the Netherlands and the United Kingdom, and the group is present in a number of other countries including Canada, Hungary, Slovakia, Spain and Taiwan.
    1 The Forbes Global 2000 is based on a composite measure of sales, market value, assets and profits. Market value as of February 28, 2007. Published March 29, 2007 on Forbes.com. We Are... An AEGON Company.
  • 5. The Need is Great Now, more than ever, the market is ripe for change – to be led by a visionary financial services company that knows what consumers need. World Financial Group is that company. 1946 Present Baby Boomer Lifespan
  • 6. Money Movement
    • The Great Wealth Transfer
    • Every seven seconds, a Baby Boomer turns 60 .
    • The economic boom of the 1990s created an extraordinary amount of personal wealth in America. Currently household net worth is estimated at $57.7 trillion. 2
    2 “Americans Poorer Than a Year Ago,” Rex Nutting, March 6, 2008, Marketwatch . 3 The commentaries and views expressed in this quote are for information and/or motivational purposes only. The views and opinions expressed therein are those of the individual speaker/associate and do not necessarily represent the views and opinions of World Financial Group, Inc., AEGON or any of their respective affiliates and employees.
    • WFG offers product and concepts which can play a key role in developing a financial strategy with protection for the wealth of Baby Boomers and people of all markets.
            • “ The Biggest Economic Story of Our Time ” 3
            • — Tom Mathews
            • Senior Vice Chairman, World Financial Group
            • Registered Representative, World Group Securities
  • 7. The Timing is Ideal
    • U.S. Household Wealth 4
    • The need for what we do has never been greater:
    4 “ Wealth Transfer Estimates: 2001 to 2055 – Washington, D.C. Metropolitan Area,” Distribution of Household Wealth, Washington, D.C. Metropolitan Area and Nation, John J. Havens and Paul G. Schervish, Center on Wealth and Philanthropy, Boston College, July 26, 2006. All dollar values are in 2005 dollars. Household Net Worth Number of Households (thousands) Percent of Households Washington, D.C. Nation Washington, D.C. Nation Negative or Zero 137 11,058 7.05% 10.38% $1 to $199,999 1,037 59,875 53.57% 56.23% $200,000 to $499,999 371 19,095 19.17% 17.93% $500,000 to $999,999 192 9,245 9.94% 8.68% $1 million to $4,999,999 165 6,139 8.53% 5.77% $5 million to $9,999,999 23 654 1.19% 0.61% $10 million to $19,999,999 8 292 0.42% 0.27% $20 million or More 2 128 0.12% 0.12%
  • 8. Our Passion:
    • Staggering consumer debt
      • Consumer debt reached a record $2 trillion in 2005, with consumers cashing out a whopping $431 billion in home equity. 5
    • Insufficient insurance protection
      • A new survey released by the nonprofit Life and Health Insurance Foundation for Education (LIFE) in Sept. 2007 shows that while most Americans feel that life insurance is a necessity, many would do just about anything than take the first step to obtain it.
    • Alarming lack of financial education
      • People can acquire credit cards at only 18 years old, but are never required to take financial education courses in high school or college.
    Helping People Move Forward 5 U.S. Department of Commerce, Bureau of Economic Analysis, Gross Domestic Product and Corporate Outlays, Aug. 30, 2006. Domestic Product and Corporate Outlays, Aug. 30, 2006.
  • 9. 6 The WFG Financial Dream Map™ is a suitability and needs analysis developed by World Financial Group. The analysis is based upon information obtained from sources believed to be reliable and accurate. However, discuss any legal, tax or financial matter with the appropriate professional. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any specific security or financial service. 6 When investing, there are certain risks, fees and charges, and limitations that one must take into consideration.
  • 10. Asset Accumulation
    • The examples below show how much you can earn over time with an investment of $10,000 at different rates of interest.
    The Rule of 72 - Helping To Outpace Inflation 7 7 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 performance. The Rule of 72 is a mathematical concept that approximates the number of years it would take to double the principle at a constant rate of return. The performance of investments fluctuate 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 higher rates of return. 29 47 65 $10,000 $20,000 $40,000 Age 4% Money doubles every 18 years $10,000 $20,000 $40,000 $80,000 29 41 53 65 6% Age Money doubles every 12 years $10,000 $20,000 $40,000 $80,000 $160,000 29 38 47 56 65 8% Age Money doubles every 9 years 12% Age $10,000 $20,000 $40,000 $80,000 $160,000 $320,000 $640,000 29 35 41 47 53 59 65 Money doubles every 6 years
  • 11. Asset Accumulation
      • The following graphic portrays a historical view of different investment markets from 1926 to 2007. The chart shows how much $1 invested could have grown based on investment in stocks, bonds or treasury bills and how the investment compares to the rate of inflation during this same period. Of course, there are certain risks when investing, so past performance cannot guarantee future returns. 7
    Note: The following chart does not reflect past or future performance of any specific product (Data Jan.1,1926-Dec.31, 2006). This chart is for illustrative purposes only and is not indicative of any investment. The data assumes reinvestment of all income and does not account for taxes or transaction costs. The average return represents a compound annual return. Government bonds and Treasury bills are guaranteed by the full faith and credit of the United States government as to the timely payment of principal and interest. Bonds in a portfolio are typically intended to provide income and/or diversification. U.S. government bonds may be exempt from state taxes and income is taxed as ordinary income in the year received. With government bonds, the investor is a creditor of the government. Stocks are not guaranteed and have been more volatile than the other asset classes. Large company stocks provide ownership in corporations that intend to provide growth and/or current income. Small company stocks provide ownership in corporations that intend to seek high levels of growth. Small stocks are more volatile than large stocks and are subject to significant price fluctuations, business risks, and are thinly traded. Capital gains and dividends received may be taxed in the year received. Underlying data is from the Stocks, Bonds, Bills, and Inflation® (SBBI®) Yearbook, by Roger G. Ibbotson and Rex Sinquefield updated annually. An investment cannot be made directly in an index. Past performance is no guarantee of future results. Source: In this example, small stocks are represented by the fifth capitalization quintile of stocks on the New York Stock Exchange (NYSE) for 1926-1981 and the performance of the Dimensional Fund Advisors, Inc. (DFA) U.S. Micro Cap Portfolio thereafter; large stocks are represented by the Standard & Poor’s (S&P) 500®, which is an unmanaged group of securities and considered to be representative of the stock market in general; government bonds are represented by the 20-year U.S. government bond, Treasury bills by the 30-day U.S. Treasury bill and inflation by the Consumer Price Index.
  • 12. Asset Accumulation Stocks, Bonds, Bills & Inflation 1926–2007 ©2007 Morningstar, Inc. All rights reserved. Used with permission.
  • 13.
    • Option 1 – Client : Do you have a pathway to your financial future?
    • Option 2 – Self-employed/Twin Career: Potential:
      • Financial education
      • Discretionary income
    Consider Your Options
  • 14. Suggestions
      • Own a business
      • Seek a huge market
      • Minimize risk
      • Study the competition
      • Look into the future
    Option 3 – Business Owner : • Renewal/Trails • RIA Services 8 • Potential Stock Options 9 • Personal Activity 8 Investment advisory services offered through Investment Advisors International, Inc. In Ohio, Texas and Alabama, services are provided under the assumed name IAI Advisors International, Inc. 9 Eligibility/availability governed by governing plan documents.
  • 15. In order to qualify for participation in contests, and to receive prizes and awards, an individual must 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 member experiences may vary. This statement is not intended to 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. The WFG Environment allows ordinary people to achieve extraordinary things. Rewards & Recognition
  • 16. Take the Next Step
    • A Good Opportunity Only Becomes Great When You Act On It.
    Set up a follow-up interview in the next 24 to 48 hours. World Financial Group – Helping You Move from Dreaming to Doing ®
  • 17.
    • 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.
    • Securities are offered through World Group Securities, Inc. (WGS), Member FINRA/SIPC.
    • Insurance products are offered through World Financial Group Insurance Agency, Inc. (WFGIA) or its subsidiaries.
    • WFG, WGS, 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
    • ©2008 World Financial Group, Inc. Printed in the USA 1991m/4.08