The document discusses starting financial planning today to take control of your money and make it work for you. It introduces World Financial Group as dedicated to serving individuals who are often overlooked. WFG believes financial strategies should be available to all, not just the wealthy. They work with industry leaders to provide a broad array of financial products and services so clients can choose what best fits their needs. The document emphasizes the importance of cash flow management, proper protection, debt management, and asset accumulation and preservation to achieve financial independence.

1. Money
Putting your
money to work
for you
Matters ™
1

2. Your Financial Future Can Start Today
• Most people are uncertain when it comes
to finances.
• You know it’s important to start now –
take control of your money and make it
work for you.
• But navigating the maze of all things
financial can be a daunting and
confusing journey.
Where do you
begin? 2

3. Begin With World
Financial
Group
• WFG is dedicated to serving the
financial needs of individuals and
families from all walks of life
who are often overlooked
by the financial services
industry.
• We are driven by our
mission to help families
achieve financial
independence.
3

4. A Different Kind of Company for
a Different Kind of Consumer
• Everyday our associates in the United States and
Canada educate clients and business owners that
financial choices made today are critical in the
determination of their financial futures.
• WFG believes creating a financial strategy is
not something reserved for the wealthy; it is an
opportunity for all people no matter what their
income.
4

5. A Different Kind of Company
• There’s no “one size fits all” attitude here - WFG
advocates the power of choice for our clients.
• WFG is aligned with several leading companies in
the financial services industry to provide clients
with a broad array of products and services so
they can choose the ones that best fit their needs.
5

6. Providers & Products
Our provider companies include
industry leaders such as:
1
1
1 1
1
Maintains current selling agreement(s) with World Financial Group Insurance Agency, Inc. (WFGIA) and/or World Group Securities, Inc.
(WGS), the affiliate broker-dealer of World Financial Group, Inc.
6

7. Providers & Products
Products offered through our alliances include:
– Mutual Funds2 – College Funding/529
– Annuities2 Plans2
– Life Insurance2 – Pensions/401K2
– IRAs/Roth IRAs2 – Brokerage Services2
– And much more.
2
Securities offered through World Group Securities, Inc. (WGS), Member FINRA, SIPC. WGS Headquarters: 11315 Johns
Creek Parkway, Duluth, GA,30097-1517.770.453.9300. WGS is not a licensed insurance entity. Insurance products are offered
through World Financial Group Insurance Agency, Inc. (WFGIA). WFGIA is a an insurance agency licensed to conduct insurance
business in all states, except in those jurisdictions that prohibit foreign insurance agencies then such business is conducted
through duly qualified subsidiary agencies thereof. Headquarters: 11315 Johns Creek Parkway, Duluth, GA, 30097-1517.
WorldFinancialGroup.com. 770.453.9300.
7

8. WFG: Investment Reminder
• Carefully consider all information before making any
investment decisions.
• Make sure to ask your WFG associate any questions
you may have about the products and services being
offered.
• If necessary, consult with a tax or legal advisor.
• Remember, with any investment there are risks
involved.
8

9. WFG: Built on Strength
World Financial
Group, Inc. is an
AEGON company.
• AEGON N.V. -
– One of the world’s leading life and pension
groups, and a provider of investment products
– Major operations in the United Sates, the
Netherlands and the United Kingdom and a
presence in a number of countries including
Canada, Hungary, Slovakia, Spain and Taiwan.
9

10. WFG: Built on Strength
• AEGON N.V. was ranked one of the top companies in
2007 by Forbes in its annual ranking of the world’s
biggest and most powerful public companies.3
• Other AEGON companies include Western Reserve
Life Assurance Co. of Ohio, Transamerica Life Insurance
Co., Life Investors Insurance Company of America,
Transamerica Funds.4
3
The Forbes Global 2000 is a comprehensive list of the world’s biggest and most powerful companies based on a composite
measure of sales, market values, assets and profits. Market value as of Feb. 28. Published March 29, 2007 on Forbes.com.
4
All of the companies listed may not be available for World Financial Group Associates to do business with, and are listed here
only for the purposes of illustration and information.
10

11. The Baby Boomer Challenge
• Social Security
– Social Security’s tax income is projected to be
insufficient to pay currently scheduled benefits
by 2017.5
• Income & Retirement
– The median household income reported by
Americans ages 65 and older in 2005 was only
$26,036.6
– 28% of retirees say they have no savings of any kind.7
5
Social Security Board of Trustees: “Some Improvement in Long-Range Financing Outlook but Deficits Continue,” Social Security Administration
News Release, Tuesday, March 25, 2008.
6
U.S. Bureau of the Census, “Income, Poverty, and Health Insurance Coverage in the United States: 2005,” Carmen DeNavas – Walt,
Bernadette D. Proctor, Cheryl Hill Lee; issued August 2006.
7
The 2008 Retirement Confidence Survey: “Americans Much More Worried About Retirement, Health Costs a Big Concern,” Employee 11
Benefit Research Institute, April 2008.

12. The Senior Dilemma
• Wealth Transfer
– Estimates indicate that by 2052 there will be a
minimum wealth transfer of $41 trillion.8
– If something is not done now, a substantial
amount of this money could be lost to taxation.
8
Why the $41 Trillion Wealth Transfer Estimate is Still Valid, John J. Havens and Paul G. Schervish, Boston College Social Welfare Research
Institute, Jan. 6, 2003.
12

13. The Generation X & Y Factors
• Retirement Savings
– 49% of workers ages 25-34 and 33% of workers
age 35-44 have less than $10,000 saved for
retirement.9
9
Retirement Confidence Survey®, 2008 RCS Fact Sheet, Saving for Retirement in America, Employee Benefit Research Institute and
Mathew Greenwald and Associates, Inc., April 2008.
13

14. Consumer
Challenges: Debt & Savings
• Consumer debt has been steadily rising, topping
$2.5 trillion by year-end 2007.10
• Disposable personal income increased in February
2008, but personal savings as a percentage of
personal income was only 0.3%.11
10
U.S. Federal Reserve, Feb. 7, 2008
11
U.S. Department of Commerce, Bureau of Economic Analysis, “Personal Income and Outlays: February 2008”, released March 28, 2008.
14

15. College,
Consumer Retirement and
Challenges: the Unexpected
• 2007-2008 college year: The average cost – including
room, board and fees - for a four-year public university
was $13,589 and for a four-year private college it
was $32,307.12
• A married couple, both 45 years old, earn $100,000
a year and plan to retire in 20 years, with average
inflation of 4.5% over the next two decades, will
need more than $241,000 a year to equal the current
$100,000 income.
• Without proper planning, an unexpected death
could cause your family serious financial concerns.
12
Trends in College Pricing, The College Board, 2007.
15

16. Help Make Your Money Work
When investing, there are certain risks, fees and charges, and limitations that one must take into consideration.
14
The WFG Financial Dream Map is a suitability and needs analysis that is based upon information obtained from sources believed to be
complete and accurate. However, discuss any legal, tax or financial matter with the appropriate professional. Neither the information 16
presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any specific security or financial service.

17. Cash Flow
• An important step on the path to financial
independence is increasing the amount of
money available to you.
• The extra funds can help you reduce debt and,
more importantly, build a nest egg.
17

18. Cash Flow
• To achieve this:
– Manage expenses by:
• Spending less then you earn
• Creating a budget
• Raising deductibles to an appropriate level on insurance
• Dropping Private Mortgage Insurance when equity in your
home reaches 20% of the home’s value
• Canceling credit life insurance on auto loans, mortgages
and credit cards
• Exploring a qualified plan option
• Earning tax deductions by starting your own business
18

19. Cash Flow
• To achieve this:
– Increase your available income by:
• Taking on a second career or part-time opportunity
for additional income
• Consulting with your tax advisor about adjusting
your W-2 allowances if you expect a tax refund.
19

20. Proper Protection
• The Principle of Building Equity
– This principle illustrates your need to protect you
and your family should you die too soon or live
too long.
Generally Generally
Less More
Secure Secure
YOUNGER OLDER
Taking Care of Your Family Taking Care of Your Future
20

21. Proper Protection
• How much life insurance is enough?
– Factors to take into consideration to identify how
much insurance is enough include:
• Age
• Medical condition
• Number of dependents
• Income/Current financial status
– A basic rule of thumb is to have life insurance to
provide about 10 times your family income.
– There are limitations to the protection that life
insurance can offer, so please discuss these with
your WFG associate.
21

22. Debt Management
• One of the biggest problems facing consumers
today is debt.
• It’s important to create a strategy to eliminate or
consolidate debt.
• Pay Off Credit Card/Consumer Debt
22

23. Debt Management
• Credit Card Debt Facts & Figures
– Average American household credit card debt is
more than $8,500.14
– At an 18% interest rate paying a 2.5 percent
minimum monthly payment of $112.50 on a
beginning balance of $4,500, it will take more
than 25 years to pay off the debt while paying
more than $6,000 in interest.15
– By paying slightly more - $145 per month - the
debt could be paid in less than four years with
approximately $1,600 in interest paid.15
14
Scary Debt Stats, The Motley Fool, April 2008, fool.com
15
“Credit Card Calculator: The True Cost of Paying the Minimum,” Bankrate.com.
23

24. Debt Management
• Strive to pay off credit card/high-interest loan
debt sooner rather than later.
• Pay more than the minimum payment on credit
cards/loans with high interest rates.
• Once one of the high-interest credit cards/loans
are paid, begin paying off the one with the next
highest interest.
24

25. Debt Management
• Transfer credit card/loan balances to a card with
a promotional, no-fee transfer rate with a lower
interest rate.
• For any account charging more than 14% in interest
call the creditor to ask for a lower rate.
• If you are a homeowner, investigate taking out a
low-interest home equity loan to pay off your debt.
The interest on equity loans is tax deductible.
25

26. Debt Management
• Consider refinancing your mortgage
– Consider the type of mortgage, the mortgage
amount, refinancing fees and how long you
plan to live in the home.
– Bottomline in deciding whether to refinance:
Determine how much time it will take to
recoup expenses associated with refinancing
and how much you will save.
26

27. Asset Accumulation &
Preservation
• To provide security later in life, it’s important to
have an asset accumulation plan in place designed
to outpace inflation and reduce taxation.
• When building a program consider:
– How many years you may be living in retirement
– How much it will cost to live comfortably during
those years
27

28. Asset Accumulation &
Preservation
• The Rule of 72 16
– If you divide 72 by the interest rate being earned
on your savings/investment, you will obtain the
number of years required for your initial invest-
ment to double.
16
The Rule of 72 is a mathematical concept that approximates the number of years it would take to double the principle at a con-
stant 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.
28

29. Asset Accumulation &
Preservation
• The Rule of 72 17
– In the following chart, see how much can be earned
over time with an initial investment of $10,000
Age 4% Age 6% Age 8% Age 12%
Money doubles every 18 years Money doubles every 12 years Money doubles every 9 years Money doubles every 6 years
29 $10,000 29 $10,000 29 $10,000 29 $10,000
47 $20,000 41 $20,000 38 $20,000 35 $20,000
65 $40,000 53 $40,000 47 $40,000 41 $40,000
65 $80,000 56 $80,000 47 $80,000
65 $160,000 53 $160,000
59 $320,000
65 $640,000
17
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

30. Asset Accumulation &
Preservation
• The following chart is a historical view of different
investment markets from 1926 to 2007. The chart
illustrates how much $1 invested could have
grown based on investment in stocks, bonds or
treasury bills, and how that compares to the rate
of inflation.
• Remember: There are certain risks when investing
and past performance does not guarantee future
returns.
30

31. Stocks, Bonds, Bills, and Inflation
1926–2007 $15,091
$10,000
$3,246
Compound annual return
1,000 • Small stocks 12.5%
• Large stocks 10.4
• Government bonds 5.5
• Treasury bills 3.7
• Inflation 3.0
100 $79
$20
$12
10
1
0.10
1926 1936 1946 1956 1966 1976 1986 1996 2006
©2008 Morningstar, Inc. All rights reserved. Used with permission.
Note: This chart does not reflect past or future performance of any specific product (Data Jan.1,1926-Dec.31, 2007). 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 31
Consumer Price Index.

32. Asset Accumulation &
Preservation
• Besides procrastination, an enemy to building and
maintaining savings is taxation.
• Harness the power of tax advantages.
– The following chart shows how much someone
in the 35% tax bracket (combined federal and
state) would have to set aside each month to
accumulate $1 million in 30 years in taxable
versus non-taxable scenarios.
32

33. Asset Accumulation &
Preservation
$1,000,000
RETIREMENT
GOAL
$1,843
$1,455
$1,179
$706
4% 8%
Rate of Return and Rate of Return and 4% 8%
No Tax Deferral – NoTax Deferral – Rate of Return & Rate of Return &
Taxed on a Taxed on a Accumulation Accumulation
current basis18 current basis18 Tax-Deferred18 Tax-Deferred18
SCENARIO 1 SCENARIO 2
No Tax Deferral Tax-Deferred
Required Savings Per Month for 30 Years
18
Assumes 35% tax bracket. The rates of return chosen are for illustrative purposes only, does not reflect the actual investment in
any product and should not be viewed as an indication of performance for any particular investment. They do not reflect the
performance risks, expenses or charges associated with any actual investment. 33

34. Asset Accumulation &
Preservation
• The High Cost of Waiting
– Time can be the worst enemy or the greatest ally.
– The key to building an asset accumulation
program is to begin saving now.
– Following is an example of monthly retirement
savings required to achieve a $1 million retirement
goal with an interest rate of 8%, tax deferred.
34

35. Asset Accumulation &
Preservation
• Example of Monthly Retirement Savings 19
Years Until Retirement
40 $286.45/mo.
35 $435.94/mo.
30 $670.98/mo.
25 $1,051.50/mo.
20 $1,697.73/mo.
15 $2,889.85/mo.
10 $5,466.09/mo.
5 $13,609.73/mo.
Put Time On Your Side. Get Started Now.
19
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. 35

36. Asset Accumulation &
Preservation
• Don’t let a lifetime of successful savings be
devoured by taxes, lawyers and unintended
heirs. A proper estate plan can take care of
your family during your life and after your
death.
36

37. Asset Accumulation &
Preservation
• A pitfall of not having an adequate estate plan. 20
Your Life Insurance • Your Business
Your Home • Your Pension
Your Personal Assets & Real Estate
SETTLEMENT COSTS
Income Taxes
Probate on Pensions &
Estate Tax Costs Annuities
up to 3 to 7%21 up to 35%21
48%21 or more of the plus Estate
total estate Tax up to
value22 48%
Your Heirs Receive What Is Left.
20
Strategic estate planning may include the proper use of: life insurance, wills, trusts, gifts, charitable donations, appropriate ownership of
property, implementation of buy-sell agreements and should include consultation with an attorney knowledgeable in estate planning.
Not all of these strategic-planning tools are offered by or through WFG or WGS. Tax/legal advice not offered by or through WGS, WFG or
any affiliated companies. Please consult with your representative for services he/she can offer.
21
Under current 2006 U.S. tax law. Due to legislative activity announced in Spring 2001, estate tax rates are being reduced toward complete
repeal by 2011. Tax and/or legal advice not offered by WFG, WGS or their affiliated companies. Please consult with your personal tax
professional for additional guidance regarding the estate tax and other tax matters.
22
“Skipping Out on Probate Costs,” Steven Merkel, CFP, ChFC, Dec. 13, 2004, Investopedia.com 37

38. Make Your Money
Work For You
• What are your next steps?
– Share information today to begin your
WFG Financial Dream Map™
– Set a follow-up appointment
to review the results of your
personalized analysis.
– Implement your personalized
WFG Financial Dream Map™
– Put your WFG associate in your referral
network of trusted professionals.
38

39. 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)
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. 0455M/8.08