SlideShare a Scribd company logo
1 of 16
Download to read offline
Taking Control of Your Money
BUILDING
FUTURE
YOUR
Taking Control of Your Money
1
A CHALLENGING FUTURE
A LARGE NUMBER OF PEOPLE IN NORTH AMERICA WILL
FACE INCREASING CHALLENGES IN 4 MAJOR AREAS.
1. AN UNCERTAIN LABOR MARKET
Automation and powerful software continue to replace more and more workers.
Manufacturing jobs are moving overseas to cut costs.
	 2. LOW SAVINGS AND HIGH DEBT have a major impact on retirement.
	 	 Many people may have to work beyond 65 years of age to survive.
3. THE HIGH COST OF EDUCATION as well as lack of preparation for college
planning will hurt the younger generation and increase their college debt.
	 4. BUDGET DEFICITS, AND THE SHRINKING NUMBER OF WORKERS
	 	 PER RETIREE, are putting pressure on the government’s ability to support
	 retirement programs for seniors and their rising health care costs.
	 These factors may result in the possibility of tax increases in the future.
A CHALLENGING FUTURE
A LARGE NUMBER OF PEOPLE IN NORTH AMERICA WILL
FACE INCREASING CHALLENGES IN 4 MAJOR AREAS.
1. AN UNCERTAIN LABOR MARKET
Automation and powerful software continue to replace more and more workers.
Manufacturing jobs are moving overseas to cut costs.
	 2. LOW SAVINGS AND HIGH DEBT have a major impact on retirement.
	 	 Many people may have to work beyond 65 years of age to survive.
3. THE HIGH COST OF EDUCATION as well as lack of preparation for college
planning will hurt the younger generation and increase their college debt.
	 4. BUDGET DEFICITS, AND THE SHRINKING NUMBER OF WORKERS
	 	 PER RETIREE, are putting pressure on the government’s ability to support
	 retirement programs for seniors and their rising health care costs.
	 These factors may result in the possibility of tax increases in the future.
	
		 “Living in one of the wealthiest countries
	 in the world, many people may still retire poor.”
2
CONTROL YOUR FUTURE
Your future is not in the hands of your employer, your union, or your government.
It is neither in the hands of your bank nor your broker.
		 THE FUTURE IS IN YOUR HANDS.
			u Make money
			u Save money
			u Accumulate money
			u Protect money
		 BE YOUR OWN MONEY MANAGER
			u Understand how money works
			u Make money work for you
		 YOU CAN BUILD UP A STRONG FINANCIAL FOUNDATION.
BUILD UP SAVINGS/
INVESTMENTS
HAVE AN EMERGENCY FUND
MANAGE DEBT/REDUCE LIABILITY
PROPER PROTECTION ON LIFE, HEALTH, DISABILITY
$
3
A NEW WORLD OF POSSIBILITY
THE ERA OF THE INFORMED CONSUMER
	 From do-it-yourself home improvement to self booking travel, shopping on
	 eBay and Amazon, and being a member of Costco, more people are learning
	 how to get better deals and save more money on products and services.
WFG is a new concept in the financial industry that assists people who want
to help themselves in building their financial foundation. Thousands and
thousands of people from all walks of life across the US and Canada
benefit from World Financial Group’s platform.
u Get educated on all aspects of
personal finance.
u Have access to hundreds of
financial products and services.
u Receive training and support to
manage their money.
u Save money on various
products and services.
u Earn commissions by getting
licensed and sharing their know
how with customers in this fast
growing industry.
A NEW WORLD OF POSSIBILITY
THE ERA OF THE INFORMED CONSUMER
	 From do-it-yourself home improvement to self booking travel, shopping on
	 eBay and Amazon, and being a member of Costco, more people are learning
	 how to get better deals and save more money on products and services.
WFG is a new concept in the financial industry that assists people who want
to help themselves in building their financial foundation. Thousands and
thousands of people from all walks of life across the US and Canada
benefit from World Financial Group’s platform.
		 “You can learn and earn in the financial industry.”
u Get educated on all aspects of
personal finance.
u Have access to hundreds of
financial products and services.
u Receive training and support to
manage their money.
u Save money on various
products and services.
u Earn commissions by getting
licensed and sharing their know
how with customers in this fast
growing industry.
4
DO YOU KNOW HOW MONEY WORKS?
THE X-CURVE CONCEPT:*
				 THE 10/20 RULE:**
				 						 u You may need at least 10 times your
								 			 income to properly protect your family.
										 u You may need at least 20 times your
								 			income to have enough for retirement.
			 			 What do the wealthy know
			 					 that normal people don’t?
		 THE MAGIC OF COMPOUND INTEREST***
*This concept theorizes that a person’s
responsibilities generally decrease and
wealth generally increases.
**The DIME Method is only one method to
help determine a client’s insurable need.
***The Rule 72 is a mathematical concept
that approximates the number of years
it will 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 invest-
ment or savings program can outpace
inflation. All figures are for illustrative
purposes only and do not reflect an actual
investment in any product.
GENERALLY
MORE
SECURE
GENERALLY
LESS
SECURE
OLDER
Taking Care of
Your Future
YOUNGER
Taking Care of
Your Family
LAW OF BUILDING
WEALTH
LAW OF DECREASING
RESPONSIBILITY
The difference between $10,000 at 4% versus 10% is $280,000. $280,000 is equal to
9 years salary of someone who earns $30,000 annually.
72 / 4 = 18
Money doubles every 18 years
Age	 4%
	 29	$10,000
	
	 47	$20,000
	
	 65	$40,000
72 / 8 = 9
Money doubles every 9 years
Age	 8%
	 29	$10,000
	 38	$20,000
	 47	$40,000
	 56	$80,000
	 65	$160,000
72 / 10 = 7.2
Money doubles every 7.2 years
	 Age	 10%
	 29	$10,000
	 36	$20,000
	 43	$40,000
	 50	$80,000
	 57	$160,000
	 65	$320,000
DO YOU KNOW HOW MONEY WORKS?
THE X-CURVE CONCEPT:*
				 THE 10/20 RULE:**
				 						 u You may need at least 10 times your
								 			 income to properly protect your family.
										 u You may need at least 20 times your
								 			income to have enough for retirement.
			 			 What do the wealthy know
			 					 that normal people don’t?
		 THE MAGIC OF COMPOUND INTEREST***
5
u The differences between IRA,
Roth IRA, SIMPLE IRA and SEP IRA?
u RRSP and TFSA in Canada?
u Pension Plans vs 401(k), 403(b), and
457 plans?
u According to a recent AARP survey,
71% of people with 401(k)s didn’t know
they were paying fees and charges for
their retirement account? That these
fees can reduce their 401(k) balance by
up to 30%?*
u How to rollover your IRA, 401(k),
403(b) to make it work better for you?
u How mutual funds work?
u That you are most likely losing money
every day? Do you realize that the
interest in savings accounts is currently
too low to offset inflation and taxes?
u U.S. Social Security will have problems
paying future retirees after 2037?**
u People will face the problem of living a
long life without adequate income?
DO YOU KNOW ABOUT
SAVINGS AND INVESTMENTS?
DO YOU KNOW...
With understanding and proper preparation,
	 you can build up your future retirement.
Tax and/or legal advice not offered by World Financial Group, Inc., World Financial Group Canada, Inc. or their affiliated companies. Please consult with your personal tax professional or legal advisor
for further guidance on tax or legal matters
*http://www.cnn.com/2012/06/27/opinion/hiltonsmith-retirement-savings
**http://mercatus.org/publication/how-many-workers-support-one-social-security-retiree
u The differences between IRA,
Roth IRA, SIMPLE IRA and SEP IRA?
u RRSP and TFSA in Canada?
u Pension Plans vs 401(k), 403(b), and
457 plans?
u According to a recent AARP survey,
71% of people with 401(k)s didn’t know
they were paying fees and charges for
their retirement account? That these
fees can reduce their 401(k) balance by
up to 30%?*
u How to rollover your IRA, 401(k),
403(b) to make it work better for you?
u How mutual funds work?
u That you are most likely losing money
every day? Do you realize that the
interest in savings accounts is currently
too low to offset inflation and taxes?
u U.S. Social Security will have problems
paying future retirees after 2037?**
u People will face the problem of living a
long life without adequate income?
6
u The difference between Term,
Whole Life, Universal Life,
Variable Life, Index Life?
u How group insurance in your
workplace works?
u The DIME method to calculate
your insurance protection need?*
Are you properly insured or
underinsured?
u If you are insurable or uninsurable?
u 1 in 2 men and 1 in 3 women will have
the risk of developing cancer during
their lifetime?**
Also 80 million
Americans have one or more types
of heart disease?***
u The uses for second to die policies, key
person insurance, executive bonus life?
u Tax advantages of cash value in
life insurance such as tax deferred
growth, tax free withdrawals,
and tax free death benefit?
DO YOU KNOW about LIFE INSURANCE?
		 DO YOU KNOW...
		 Are you the type of person who buys insurance but puts the policy in the cabinet
		 and never looks at it?
		 You can learn how to properly protect your family.
		 *The DIME Method is only one method to help determine a client’s insurable need.
		 **http://www.cancer.org/cancer/cancerbasics/lifetime-probability-of-developing-or-dying-from-cancer
		 ***http://millionhearts.hhs.gov/abouthds/cost-consequences.html
		 Tax and/or legal advice not offered by World Financial Group, Inc., World Financial Group Canada, Inc. or their affiliated companies. Please consult with your personal tax professional or legal advisor
u The difference between Term,
Whole Life, Universal Life,
Variable Life, Index Life?
u How group insurance in your
workplace works?
u The DIME method to calculate
your insurance protection need?*
Are you properly insured or
underinsured?
u If you are insurable or uninsurable?
u 1 in 2 men and 1 in 3 women will have
the risk of developing cancer during
their lifetime?**
Also 80 million
Americans have one or more types
of heart disease?***
u The uses for second to die policies, key
person insurance, executive bonus life?
u Tax advantages of cash value in
life insurance such as tax deferred
growth, tax free withdrawals,
and tax free death benefit?
7
THE TAX ISSUE OF MONEY
Where do you put your money?
Did you know the US Federal top tax rate was over 70% in the 1960’s and currently is at 39.6%?*
Since 1945 when Social Security began, the number of workers per retirees shrank from over
40 to about 3 today.** Do you think taxes will increase or decrease in the future?
THE TAX ISSUE OF MONEY
Where do you put your money?
Did you know the US Federal top tax rate was over 70% in the 1960’s and currently is at 39.6%?*
Since 1945 when Social Security began, the number of workers per retirees shrank from over
40 to about 3 today.** Do you think taxes will increase or decrease in the future?
You can learn how to manage these accounts.
*http://taxfoundation.org/article/us-federal-individual-income-tax-rates-history-1913-2013-nominal-and-inflation-adjusted-brackets
**http://mercatus.org/publication/how-many-workers-support-one-social-security-retiree
The tax advantaged accounts or products listed in this column must adhere to guidelines and conditions set forth and promulgated by the applicable taxing authority of competent jurisdiction.
Failure to follow the applicable rules and regulations could and may result in these accounts or productions losing their favorable tax exempt status.
Tax and/or legal advice not offered by World Financial Group, Inc., World Financial Group Canada, Inc. or their affiliated companies. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters.
IN THE U.S.
Where Do You Put Your Money?
Tax Now Tax Later Tax Advantaged
CHECKING	 401k/403(b) ROTH-IRA
SAVINGS IRA/SEP-IRA 529 COLLEGE SAVINGS
CD		 ANNUITY MUNICIPAL BOND
STOCK	 PENSION HEALTH SAVING
MUTUAL FUND	 		 ACCOUNT (HSA)
			 	 	 LIFE INSURANCE
			 	 	 LONG TERM CARE
BENEFIT
IN CANADA
Where Do You Put Your Money?
Tax Now Tax Later Tax Advantaged
CHEQUING	 RRSP/RRIF	 TFSA
SAVINGS	 LIRA/LIF	 LIFE INSURANCE BENEFIT
GIC		 RESP		 INDIVIDUAL CRITICAL
STOCK		 ANNUITY		 ILLNESS AND
MUTUAL FUND PENSION DISABILITY
BOND	 CPP INSURANCE
INTEREST INCOME OAS	 HEALTH INSURANCE
NON-REGISTERED RDSP	 PRIMARY RESIDENCE
INVESTMENTS		 				
$
8
u Annuities have tax deferred growth?
u The lifetime income option of an
annuity can provide you with income
as long as you live?
u The two biggest accounts of former
Federal Reserve Chairman Ben
Bernanke are in annuities?*
u How Medicare Supplements work?****
u The average annual cost of long term care is
$83,580 in the US and $47,000 in Canada?**
And 70% of people over 65 will expect to
use some form of long term care?***
u Final expense insurance may provide easier
underwriting, even for people who have
medical issues? Some policies can provide
a concierge service that takes care of the
stressful burden of funeral arrangements
during the time of crisis?
DO YOU KNOW ABOUT
ANNUITIES and LONG TERM CARE?
						“What if you live too long?”
DO YOU KNOW...
Do you expect the government or your children to take care of you if you live too long?
DO YOU KNOW ABOUT
ANNUITIES and LONG TERM CARE?
						“What if you live too long?”
DO YOU KNOW...
Do you expect the government or your children to take care of you if you live too long?
You can prepare for your golden years.
*http://abcnews.go.com/Business/story?id=3433687					 ****Not connected to or endorsed by the United States government or Federal Medicare Program.
**http://longtermcare.gov/costs-how-to-pay/costs-of-care/				 Tax and/or legal advice not offered by World Financial Group, Inc., World Financial Group Canada, Inc. or their affiliated companies.
***http://business.financialpost.com/personal-finance/retirement/inheritance/long-term-care-takes-planning 		 Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters.
u Annuities have tax deferred growth?
u The lifetime income option of an
annuity can provide you with income
as long as you live?
u The two biggest accounts of former
Federal Reserve Chairman Ben
Bernanke are in annuities?*
u How Medicare Supplements work?****
u The average annual cost of long term care is
$83,580 in the US and $47,000 in Canada?**
And 70% of people over 65 will expect to
use some form of long term care?***
u Final expense insurance may provide easier
underwriting, even for people who have
medical issues? Some policies can provide
a concierge service that takes care of the
stressful burden of funeral arrangements
during the time of crisis?
9
DO YOU KNOW ABOUT
THE HIGH COST OF EDUCATION?
DO YOU KNOW...
	       u In 2015, tuition and fees for 4 years in a private college will
	 cost $134,600 and in public/state schools $39,400 (U.S. only)?*
	       u College debt reached $1.2 trillion, surpassing credit cards and
	 auto debt totals?**
Determining the most cost-effective, tax-efficient way to fund a
college education is not always easy. Many parents would prefer not to think
about it at all, hoping that things will somehow work out.
	 It is important to understand college costs, the admissions process,
	 financial aid and how to navigate the complex college funding system.
	 You can understand and participate in college planning.
We can’t put so much time and money into raising our kids and then
become unwilling to look into college planning.
DO YOU KNOW ABOUT
THE HIGH COST OF EDUCATION?
DO YOU KNOW...
	       u In 2015, tuition and fees for 4 years in a private college will
	 cost $134,600 and in public/state schools $39,400 (U.S. only)?*
	       u College debt reached $1.2 trillion, surpassing credit cards and
	 auto debt totals?**
Determining the most cost-effective, tax-efficient way to fund a
college education is not always easy. Many parents would prefer not to think
about it at all, hoping that things will somehow work out.
	 It is important to understand college costs, the admissions process,
	 financial aid and how to navigate the complex college funding system.
	 You can understand and participate in college planning.
We can’t put so much time and money into raising our kids and then
become unwilling to look into college planning.
Take charge of your children’s future.
*http://www.savingforcollege.com/tutorial101/the_real_cost_of_higher_education.php
**http://www.newyorkfed.org/newsevents/news/research/2015/rp150217.html
10
PROTECT YOUR FUTURE
DO YOU KNOW WITHOUT PROPER PLANNING,
YOUR ASSETS AND FAMILY MAY NOT BE PROTECTED?
    	 	 u Who will care for your underage children?
    	 	 u How will you keep an 18-year old from spending their inheritance?
   	 	 u Who gets your home?
   	 	 u Who inherits all of your bank accounts?
    	 	 u Can you avoid family arguments over your belongings and keepsakes?
    	 	 u Who will operate and own your business?
   	 	 u Who decides your health care or end-of-life decisions?
    	 	 u Do you have a will?
PROTECT YOUR FUTURE
DO YOU KNOW WITHOUT PROPER PLANNING,
YOUR ASSETS AND FAMILY MAY NOT BE PROTECTED?
    	 	 u Who will care for your underage children?
    	 	 u How will you keep an 18-year old from spending their inheritance?
   	 	 u Who gets your home?
   	 	 u Who inherits all of your bank accounts?
    	 	 u Can you avoid family arguments over your belongings and keepsakes?
    	 	 u Who will operate and own your business?
   	 	 u Who decides your health care or end-of-life decisions?
    	 	 u Do you have a will?
	 It’s good to have your wishes documented
	 so they can be carried out.
11
BECOME An Associate
MEMBER OF WFG
To begin your career, complete a WFG Membership Agreement/Application and
meet our qualifications along with administrative fee $100 (U.S.)/ $125 (Canada).*
		 BENEFITS OF BEING AN ASSOCIATE**
		 You can earn referral income or benefits by being an Associate Member.
	 	 u Canada _ AON
	 	 u U.S. _ Bolt, Netlaw, Legacy Shield and Heartland Institute
		 of Financial Education***
How many people do you know who would also want to save more
money on these products and services?
		 Did you know that if you could just save $10 a day or $300 a month,
		 at a 8% rate of return compounded monthly in 30 years you would
		 have $447,107? What if you could save more?
BECOME An Associate
MEMBER OF WFG
To begin your career, complete a WFG Membership Agreement/Application and
meet our qualifications along with administrative fee $100 (U.S.)/ $125 (Canada).*
		 BENEFITS OF BEING AN ASSOCIATE**
		 You can earn referral income or benefits by being an Associate Member.
	 	 u Canada _ AON
	 	 u U.S. _ Bolt, Netlaw, Legacy Shield and Heartland Institute
		 of Financial Education***
How many people do you know who would also want to save more
money on these products and services?
		 Did you know that if you could just save $10 a day or $300 a month,
		 at a 8% rate of return compounded monthly in 30 years you would
		 have $447,107? What if you could save more?
		 This is a hypothetical scenario for illustration purposes only. There is no assurance that these results can or will be achieved.
		*In Canada, applicable taxes (HST/GST) apply.
		**Products and services provided by a third-party company through a referral agreement.
		***Heartland designation required.
12
RECEIVE FINANCIAL EDUCATION
We have training classes that provide knowledge, strategies and
solutions in major areas of financial services.
       u INSURANCE: All types of life insurance
	 and long term care
       u INVESTMENTS/RETIREMENT: All IRAs, 401(k),
	 Annuities, UTMA, Mutual Funds as well as RRSP,
	 RRIF, TFSA, LIRA, LIF, RESP in Canada
       u HEALTH: Medicare supplements
       u EDUCATION: College planning programs,
	 529 College savings plans
         u ESTATE PRESERVATION
Our personal financial analysis gives you information to plan your financial future.*
l
	
RECEIVE FINANCIAL EDUCATION
We have training classes that provide knowledge, strategies and
solutions in major areas of financial services.
       u INSURANCE: All types of life insurance
	 and long term care
       u INVESTMENTS/RETIREMENT: All IRAs, 401(k),
	 Annuities, UTMA, Mutual Funds as well as RRSP,
	 RRIF, TFSA, LIRA, LIF, RESP in Canada
       u HEALTH: Medicare supplements
       u EDUCATION: College planning programs,
	 529 College savings plans
         u ESTATE PRESERVATION
Our personal financial analysis gives you information to plan your financial future.*
Knowledge is wealth. You won’t be wealthy unless
you understand how money works.
IRA (Individual Retirement Account), RRSP (Registered Retirement Savings Plan), RRIF (Registered Retirement Income Fund), TFSA (Tax Free Savings Account),
LIRA (Locked-In Retirement Account), LIF (Life Income Fund), RESP (Registered Education Savings Plan), UTMA (Uniform Transfers to Minors Act ).
*The WFG Financial Needs Analysis (FNA) is a tool developed to define your current financial situation and to identify products and services through World Financial Group Insurance Agency of Canada, Inc. This analysis
provides only broad guidelines, and is based on the accuracy and completeness of the data provided by the client. The analysis uses sources that are believed to be reliable and accurate, although they are not guaranteed.
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. Due to regulatory constraints the WFG Financial Needs Analysis program is prohibited for use with mutual funds clients/clients of WFG Securities, Inc. as well as with clients who reside in Quebec.
INSURANCE INVESTMENT
HEALTH EDUCATION
13
BECOME A PROFESSIONAL,
BUILD A FINANCIAL SERVICES BUSINESSIf you want to share your knowledge and experience and make more money using your
flexible time, we offer to:
	 u Help you get the proper licenses.
	 u Get you appointed through our affiliated Insurance Agencies with major insurance
	 companies including giants like Transamerica, Prudential, Nationwide, Voya Financial,
	 Pacific Life in the U.S. and Industrial Alliance, Ivari, RBC Insurance, Equitable Life of Canada,
	 as well as major investment and mutual funds companies.
	 u Help you build a large base of multi-product-using clients and a big organization throughout the
	 U.S. and Canada. WFGIA only sells insurance products. Mutual funds are securities, not insurance.			
OUR PROVEN TRACK RECORD*
On average, we currently pay over $10 million in commissions every week to appropriately licensed
associates in the U.S. and Canada. We have more than 4,700 people earning over $100,000+ per year.**
Many people make good part-time income, and many others make it a full-time business career.
	 TRAVEL THE WORLD***
	 Participate and qualify for our dream trips around the world every year. We’ve brought thousands of people
	 to China, Paris, Barcelona, Madrid, Vietnam, Cambodia, Thailand, Singapore, the Caribbean, and Hawaii.
BECOME A PROFESSIONAL,
BUILD A FINANCIAL SERVICES BUSINESSIf you want to share your knowledge and experience and make more money using your
flexible time, we offer to:
	 u Help you get the proper licenses.
	 u Get you appointed through our affiliated Insurance Agencies with major insurance
	 companies including giants like Transamerica, Prudential, Nationwide, Voya Financial,
	 Pacific Life in the U.S. and Industrial Alliance, Ivari, RBC Insurance, Equitable Life of Canada,
	 as well as major investment and mutual funds companies.
	 u Help you build a large base of multi-product-using clients and a big organization throughout the
	 U.S. and Canada. WFGIA only sells insurance products. Mutual funds are securities, not insurance.			
OUR PROVEN TRACK RECORD*
On average, we currently pay over $10 million in commissions every week to appropriately licensed
associates in the U.S. and Canada. We have more than 4,700 people earning over $100,000+ per year.**
Many people make good part-time income, and many others make it a full-time business career.
	 TRAVEL THE WORLD***
	 Participate and qualify for our dream trips around the world every year. We’ve brought thousands of people
	 to China, Paris, Barcelona, Madrid, Vietnam, Cambodia, Thailand, Singapore, the Caribbean, and Hawaii.
*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.
**In the United States: World Financial Group, Inc. (WFG) is the paymaster of any compensation to associates from WFGIA and TFA. In Canada: World Financial Group Canada Inc. (WFGC) is the paymaster of any
compensation to associates from WFGIAC and WFGS. Pursuant to the terms, rates and/or schedules established by WFGIA,TFA, WFGIAC and/or WFGS. Compensation terms, rates and/or schedules for products sold or referred through WFG or WFGC
are established by WFG or WFGC, respectively. WFG, WFGC, WFGIA, TFA, WFGIAC and WFGS reserve the right to change their respective compensation terms, rates and/or schedules at any time.
***This sales contest were sponsored by Independent Contractor of World Financial Group, Inc. (WFG) and or World Financial Group Canada, Inc. All points are generated through the sale of products and services offered through WFG-affiliated companies.
All companies listed maintain current selling agreement (s) with World Financial Group Insurance Agency, Inc., World Financial Group Insurance Agency of Canada, Inc. and Transamerica Financial Advisors, Inc.
The city and locations of these companies are: Transamerica Premier Life Insurance Company, Cedar Rapids, Iowa; Transamerica Life Insurance Company, Cedar Rapids, Iowa; Pacific Life Insurance Company, Newport Beach, California; Voya Insurance and Annuity
Company, Des Moines, IA; Nationwide Life Insurance Company, Columbus, Ohio; Prudential Annuities Distribution, Inc., Shelton, Connecticut.
14
BE PART OF A NEW INDUSTRY
We are in a multi-trillion dollar industry, backed by a multi-billion dollar company.
	WFG _ World Financial Group, Inc. and World Financial Group Canada, Inc. _ are
Transamerica companies. We are one of the best business platforms and one of
the fastest growing organizations in the financial industry.
We want to revolutionize the financial industry to help resolve the
consumer’s dilemma _ lack of understanding, planning and support.
	 YOU ARE THE SOLUTION TO YOUR FUTURE:
You have everything to gain with WFG.
“If you’re born poor, it’s not your mistake. But if you die poor, it’s your mistake!”
_ BILL GATES
Compare provider
financial products
and services,
reduce your debt,
and increase
your savings.
Get educated on how
money works. Become
your own money manager.
Have access to financial
information. Obtain the
know how that successful
people have.
Build a business
by educating
and helping
people build a
solid financial
foundation.
BE PART OF A NEW INDUSTRY
We are in a multi-trillion dollar industry, backed by a multi-billion dollar company.
	WFG _ World Financial Group, Inc. and World Financial Group Canada, Inc. _ are
Transamerica companies. We are one of the best business platforms and one of
the fastest growing organizations in the financial industry.
We want to revolutionize the financial industry to help resolve the
consumer’s dilemma _ lack of understanding, planning and support.
	 YOU ARE THE SOLUTION TO YOUR FUTURE:
You have everything to gain with WFG.
“If you’re born poor, it’s not your mistake. But if you die poor, it’s your mistake!”
_ BILL GATES
Become
financially
independent.
Travel the
world.
World Financial Group and/or WFG consist of the following:
U.S.:
World Financial Group, Inc. is a financial services marketing company whose
affiliates offer a broad array of financial products and services.
Insurance products offered through World Financial Group Insurance Agency, Inc.,
World Financial Group Insurance Agency of Hawaii, Inc., World Financial Group
Insurance Agency of Massachusetts, Inc., World Financial Group Insurance Agency
of Wyoming, Inc., World Financial Insurance Agency, Inc. (collectively WFGIA).
Securities and Investment Advisory Services offered through Transamerica
Financial Advisors, Inc. (TFA), Transamerica Financial Group Division – Member
FINRA, SIPC, and Registered Investment Advisor. Non-Securities products and
services are not offered through TFA.
California License # 0679300
World Financial Group, Inc., WFGIA and TFA are affiliated companies.
WFG and WFGIA Headquarters: 11315 Johns Creek Parkway, Johns Creek, GA
30097. Phone: 770.453.9300. WorldFinancialGroup.com.
TFA Headquarters: 570 Carillon Parkway, St. Petersburg, FL 33716. Phone:
800.322.7161.
Canada:
World Financial Group Canada Inc. is a financial services marketing company
whose affiliates offer a broad array of financial products and services.
World Financial Group Insurance Agency of Canada Inc. (WFGIAC) offers life
insurance and segregated funds.
WFG Securities Inc. (WFGS) offers mutual funds.
World Financial Group Canada Inc., WFGIAC and WFGS are affiliated companies.
Headquarters: 5000 Yonge Street, Suite 800, Toronto, ON M2N 7E9.
Phone: 416.225.2121.
In the United States, World Financial Group and the WFG logo are registered
trademarks of World Financial Group, Inc.
In Canada, World Financial Group is a registered trademark of World Financial
Group, Inc.
Not For Use In Puerto Rico or Quebec.

More Related Content

What's hot

Breaking down the Basics of Retirement
Breaking down the Basics of RetirementBreaking down the Basics of Retirement
Breaking down the Basics of Retirementsdbradford
 
Understanding annuities once and for all
Understanding annuities once and for allUnderstanding annuities once and for all
Understanding annuities once and for allKirk Ashburn
 
Smart money january february_2013_singles
Smart money january february_2013_singlesSmart money january february_2013_singles
Smart money january february_2013_singlesOliver Taylor
 
Age Does Make A Difference
Age Does Make A DifferenceAge Does Make A Difference
Age Does Make A DifferenceDestinyDefined
 
8 Key Risks of Retirement Planning
8 Key Risks of Retirement Planning8 Key Risks of Retirement Planning
8 Key Risks of Retirement Planninggalileoplanning
 
Ang Paghahanda Para Sa Kaunlaran ng Pamilyang OFW
Ang Paghahanda Para Sa Kaunlaran ng Pamilyang OFWAng Paghahanda Para Sa Kaunlaran ng Pamilyang OFW
Ang Paghahanda Para Sa Kaunlaran ng Pamilyang OFWrexcris
 
New presentation 8 26-11
New presentation 8 26-11New presentation 8 26-11
New presentation 8 26-11tksum11
 
Retirement Planning Workshop For Educators
Retirement Planning Workshop For EducatorsRetirement Planning Workshop For Educators
Retirement Planning Workshop For Educatorsguestb480a7
 
Financial Future
Financial FutureFinancial Future
Financial Futurelotus1944
 
Benefits of Fixed Annuities
Benefits of Fixed AnnuitiesBenefits of Fixed Annuities
Benefits of Fixed Annuitiesscottusselman
 
Retirement Planning Process
Retirement Planning ProcessRetirement Planning Process
Retirement Planning Processrsmith34786
 
WFG - Building Better Financial Futures
WFG - Building Better Financial FuturesWFG - Building Better Financial Futures
WFG - Building Better Financial Futurespetervinhong
 
Retirement
RetirementRetirement
Retirementcmm38
 
Your Financial Future June 2016
Your Financial Future June 2016Your Financial Future June 2016
Your Financial Future June 2016Christian Phillips
 
WFG - Helping People Create Better Financial Futures
WFG - Helping People Create Better Financial FuturesWFG - Helping People Create Better Financial Futures
WFG - Helping People Create Better Financial Futurespetervinhong
 
Planning Your Great Escape - Retirement
Planning Your Great Escape - RetirementPlanning Your Great Escape - Retirement
Planning Your Great Escape - RetirementJasonCrawfordCFP
 

What's hot (19)

The Anti-Annuity
The Anti-AnnuityThe Anti-Annuity
The Anti-Annuity
 
Breaking down the Basics of Retirement
Breaking down the Basics of RetirementBreaking down the Basics of Retirement
Breaking down the Basics of Retirement
 
Retirement Basics
Retirement BasicsRetirement Basics
Retirement Basics
 
Understanding annuities once and for all
Understanding annuities once and for allUnderstanding annuities once and for all
Understanding annuities once and for all
 
Smart money january february_2013_singles
Smart money january february_2013_singlesSmart money january february_2013_singles
Smart money january february_2013_singles
 
Age Does Make A Difference
Age Does Make A DifferenceAge Does Make A Difference
Age Does Make A Difference
 
8 Key Risks of Retirement Planning
8 Key Risks of Retirement Planning8 Key Risks of Retirement Planning
8 Key Risks of Retirement Planning
 
Ang Paghahanda Para Sa Kaunlaran ng Pamilyang OFW
Ang Paghahanda Para Sa Kaunlaran ng Pamilyang OFWAng Paghahanda Para Sa Kaunlaran ng Pamilyang OFW
Ang Paghahanda Para Sa Kaunlaran ng Pamilyang OFW
 
New presentation 8 26-11
New presentation 8 26-11New presentation 8 26-11
New presentation 8 26-11
 
Retirement Planning Workshop For Educators
Retirement Planning Workshop For EducatorsRetirement Planning Workshop For Educators
Retirement Planning Workshop For Educators
 
Financial Future
Financial FutureFinancial Future
Financial Future
 
Slides Pre Retirement
Slides  Pre RetirementSlides  Pre Retirement
Slides Pre Retirement
 
Benefits of Fixed Annuities
Benefits of Fixed AnnuitiesBenefits of Fixed Annuities
Benefits of Fixed Annuities
 
Retirement Planning Process
Retirement Planning ProcessRetirement Planning Process
Retirement Planning Process
 
WFG - Building Better Financial Futures
WFG - Building Better Financial FuturesWFG - Building Better Financial Futures
WFG - Building Better Financial Futures
 
Retirement
RetirementRetirement
Retirement
 
Your Financial Future June 2016
Your Financial Future June 2016Your Financial Future June 2016
Your Financial Future June 2016
 
WFG - Helping People Create Better Financial Futures
WFG - Helping People Create Better Financial FuturesWFG - Helping People Create Better Financial Futures
WFG - Helping People Create Better Financial Futures
 
Planning Your Great Escape - Retirement
Planning Your Great Escape - RetirementPlanning Your Great Escape - Retirement
Planning Your Great Escape - Retirement
 

Viewers also liked

Certificate for 3rd prize- Speech competition.
Certificate for 3rd prize- Speech competition.Certificate for 3rd prize- Speech competition.
Certificate for 3rd prize- Speech competition.VAIBHAV RAJ
 
PMI-GREECE Event: UN Waterday 2012
PMI-GREECE Event: UN Waterday 2012PMI-GREECE Event: UN Waterday 2012
PMI-GREECE Event: UN Waterday 201212PM Consulting
 
Bayesian Statistics as a New Tool for Spectral Analysis
Bayesian Statistics as a New Tool for Spectral AnalysisBayesian Statistics as a New Tool for Spectral Analysis
Bayesian Statistics as a New Tool for Spectral AnalysisJean-Michel Mugnes
 
CGF Detox БИОЭРАГРУПП
CGF Detox БИОЭРАГРУПП CGF Detox БИОЭРАГРУПП
CGF Detox БИОЭРАГРУПП Akulova Alina
 
Животные АльгаВет БИОЭРАГРУПП
Животные АльгаВет БИОЭРАГРУППЖивотные АльгаВет БИОЭРАГРУПП
Животные АльгаВет БИОЭРАГРУППAkulova Alina
 
Agile Scrum with virtual teams
Agile Scrum with virtual teamsAgile Scrum with virtual teams
Agile Scrum with virtual teamsLuca Sturaro
 
Workshop empowering teams
Workshop empowering teamsWorkshop empowering teams
Workshop empowering teamsNiels Verdonk
 
04.2016 BioEraGroup presentation UAE
04.2016 BioEraGroup presentation UAE04.2016 BioEraGroup presentation UAE
04.2016 BioEraGroup presentation UAEAkulova Alina
 
E hrm Digitale evolutie van HR
E hrm Digitale evolutie van HRE hrm Digitale evolutie van HR
E hrm Digitale evolutie van HRHoward Woei
 
Making WordPress templates look good
Making WordPress templates look goodMaking WordPress templates look good
Making WordPress templates look goodSkyhook Interactive
 
SAP ABAP Lock concept and enqueue
SAP ABAP Lock concept and enqueueSAP ABAP Lock concept and enqueue
SAP ABAP Lock concept and enqueueMilind Patil
 

Viewers also liked (18)

CLIENTS
CLIENTSCLIENTS
CLIENTS
 
Certificate for 3rd prize- Speech competition.
Certificate for 3rd prize- Speech competition.Certificate for 3rd prize- Speech competition.
Certificate for 3rd prize- Speech competition.
 
DRDL_MAIN_final
DRDL_MAIN_finalDRDL_MAIN_final
DRDL_MAIN_final
 
Esquema
EsquemaEsquema
Esquema
 
IOSH
IOSHIOSH
IOSH
 
PMI-GREECE Event: UN Waterday 2012
PMI-GREECE Event: UN Waterday 2012PMI-GREECE Event: UN Waterday 2012
PMI-GREECE Event: UN Waterday 2012
 
Bayesian Statistics as a New Tool for Spectral Analysis
Bayesian Statistics as a New Tool for Spectral AnalysisBayesian Statistics as a New Tool for Spectral Analysis
Bayesian Statistics as a New Tool for Spectral Analysis
 
CGF Detox БИОЭРАГРУПП
CGF Detox БИОЭРАГРУПП CGF Detox БИОЭРАГРУПП
CGF Detox БИОЭРАГРУПП
 
Животные АльгаВет БИОЭРАГРУПП
Животные АльгаВет БИОЭРАГРУППЖивотные АльгаВет БИОЭРАГРУПП
Животные АльгаВет БИОЭРАГРУПП
 
Semester_4_results
Semester_4_resultsSemester_4_results
Semester_4_results
 
Agile Scrum with virtual teams
Agile Scrum with virtual teamsAgile Scrum with virtual teams
Agile Scrum with virtual teams
 
Workshop empowering teams
Workshop empowering teamsWorkshop empowering teams
Workshop empowering teams
 
04.2016 BioEraGroup presentation UAE
04.2016 BioEraGroup presentation UAE04.2016 BioEraGroup presentation UAE
04.2016 BioEraGroup presentation UAE
 
God is good
God is goodGod is good
God is good
 
E hrm Digitale evolutie van HR
E hrm Digitale evolutie van HRE hrm Digitale evolutie van HR
E hrm Digitale evolutie van HR
 
Making WordPress templates look good
Making WordPress templates look goodMaking WordPress templates look good
Making WordPress templates look good
 
SAP ABAP Lock concept and enqueue
SAP ABAP Lock concept and enqueueSAP ABAP Lock concept and enqueue
SAP ABAP Lock concept and enqueue
 
Unit 2 3D Geometry
Unit 2 3D GeometryUnit 2 3D Geometry
Unit 2 3D Geometry
 

Similar to WSB-BuildingYourFuture-160108s

Six Steps Gatefold
Six Steps GatefoldSix Steps Gatefold
Six Steps GatefoldChris Rice
 
Money matters by Julio Gerena MD
Money matters by Julio Gerena MDMoney matters by Julio Gerena MD
Money matters by Julio Gerena MDJulio Gerena
 
HBW Presentation 2010
HBW Presentation 2010HBW Presentation 2010
HBW Presentation 2010vandrade30
 
A new world of opportunity 2013
A new world of opportunity 2013A new world of opportunity 2013
A new world of opportunity 2013Nelson Cage III
 
How to Prosper and Thrive in Retirement (1)
How to Prosper and Thrive in Retirement (1)How to Prosper and Thrive in Retirement (1)
How to Prosper and Thrive in Retirement (1)Robert C. Eldridge
 
The virtual-advantage-vfg-corp-overview
The virtual-advantage-vfg-corp-overviewThe virtual-advantage-vfg-corp-overview
The virtual-advantage-vfg-corp-overviewMarc Cram
 
VFG Virtual Financial Group Corp Overview 2.0
VFG Virtual Financial Group  Corp Overview 2.0VFG Virtual Financial Group  Corp Overview 2.0
VFG Virtual Financial Group Corp Overview 2.0Virtual Financial
 
For Those Who Want to Prosper & Thrive in Retirement
 For Those Who Want to Prosper & Thrive in Retirement For Those Who Want to Prosper & Thrive in Retirement
For Those Who Want to Prosper & Thrive in Retirementfreddysaamy
 
4 future financial trends you can't ignore
4 future financial trends you can't ignore4 future financial trends you can't ignore
4 future financial trends you can't ignoreOnline Finance Academy
 
The Social Security Challenge
The Social Security ChallengeThe Social Security Challenge
The Social Security ChallengeJoie Wang
 
Does Medicare Pay for Long-Term Care in New York
Does Medicare Pay for Long-Term Care in New YorkDoes Medicare Pay for Long-Term Care in New York
Does Medicare Pay for Long-Term Care in New YorkMark Eghrari
 
Building A New Industry 2008
Building A New Industry 2008Building A New Industry 2008
Building A New Industry 2008Supervillej
 

Similar to WSB-BuildingYourFuture-160108s (20)

2010 ffs bop
2010 ffs bop2010 ffs bop
2010 ffs bop
 
Six Steps
Six StepsSix Steps
Six Steps
 
Six Steps Gatefold
Six Steps GatefoldSix Steps Gatefold
Six Steps Gatefold
 
Six Steps Gatefold
Six Steps GatefoldSix Steps Gatefold
Six Steps Gatefold
 
Six Steps Gatefold
Six Steps GatefoldSix Steps Gatefold
Six Steps Gatefold
 
2897_6.14 Six Steps Gatefold
2897_6.14 Six Steps Gatefold2897_6.14 Six Steps Gatefold
2897_6.14 Six Steps Gatefold
 
Money matters by Julio Gerena MD
Money matters by Julio Gerena MDMoney matters by Julio Gerena MD
Money matters by Julio Gerena MD
 
NEW PPT 3.18.2015 FINAL
NEW PPT 3.18.2015 FINALNEW PPT 3.18.2015 FINAL
NEW PPT 3.18.2015 FINAL
 
HBW Presentation 2010
HBW Presentation 2010HBW Presentation 2010
HBW Presentation 2010
 
Financial Reality
Financial RealityFinancial Reality
Financial Reality
 
A new world of opportunity 2013
A new world of opportunity 2013A new world of opportunity 2013
A new world of opportunity 2013
 
Retirement And Your Money
Retirement And Your MoneyRetirement And Your Money
Retirement And Your Money
 
How to Prosper and Thrive in Retirement (1)
How to Prosper and Thrive in Retirement (1)How to Prosper and Thrive in Retirement (1)
How to Prosper and Thrive in Retirement (1)
 
The virtual-advantage-vfg-corp-overview
The virtual-advantage-vfg-corp-overviewThe virtual-advantage-vfg-corp-overview
The virtual-advantage-vfg-corp-overview
 
VFG Virtual Financial Group Corp Overview 2.0
VFG Virtual Financial Group  Corp Overview 2.0VFG Virtual Financial Group  Corp Overview 2.0
VFG Virtual Financial Group Corp Overview 2.0
 
For Those Who Want to Prosper & Thrive in Retirement
 For Those Who Want to Prosper & Thrive in Retirement For Those Who Want to Prosper & Thrive in Retirement
For Those Who Want to Prosper & Thrive in Retirement
 
4 future financial trends you can't ignore
4 future financial trends you can't ignore4 future financial trends you can't ignore
4 future financial trends you can't ignore
 
The Social Security Challenge
The Social Security ChallengeThe Social Security Challenge
The Social Security Challenge
 
Does Medicare Pay for Long-Term Care in New York
Does Medicare Pay for Long-Term Care in New YorkDoes Medicare Pay for Long-Term Care in New York
Does Medicare Pay for Long-Term Care in New York
 
Building A New Industry 2008
Building A New Industry 2008Building A New Industry 2008
Building A New Industry 2008
 

WSB-BuildingYourFuture-160108s

  • 1. Taking Control of Your Money BUILDING FUTURE YOUR Taking Control of Your Money
  • 2. 1 A CHALLENGING FUTURE A LARGE NUMBER OF PEOPLE IN NORTH AMERICA WILL FACE INCREASING CHALLENGES IN 4 MAJOR AREAS. 1. AN UNCERTAIN LABOR MARKET Automation and powerful software continue to replace more and more workers. Manufacturing jobs are moving overseas to cut costs. 2. LOW SAVINGS AND HIGH DEBT have a major impact on retirement. Many people may have to work beyond 65 years of age to survive. 3. THE HIGH COST OF EDUCATION as well as lack of preparation for college planning will hurt the younger generation and increase their college debt. 4. BUDGET DEFICITS, AND THE SHRINKING NUMBER OF WORKERS PER RETIREE, are putting pressure on the government’s ability to support retirement programs for seniors and their rising health care costs. These factors may result in the possibility of tax increases in the future. A CHALLENGING FUTURE A LARGE NUMBER OF PEOPLE IN NORTH AMERICA WILL FACE INCREASING CHALLENGES IN 4 MAJOR AREAS. 1. AN UNCERTAIN LABOR MARKET Automation and powerful software continue to replace more and more workers. Manufacturing jobs are moving overseas to cut costs. 2. LOW SAVINGS AND HIGH DEBT have a major impact on retirement. Many people may have to work beyond 65 years of age to survive. 3. THE HIGH COST OF EDUCATION as well as lack of preparation for college planning will hurt the younger generation and increase their college debt. 4. BUDGET DEFICITS, AND THE SHRINKING NUMBER OF WORKERS PER RETIREE, are putting pressure on the government’s ability to support retirement programs for seniors and their rising health care costs. These factors may result in the possibility of tax increases in the future. “Living in one of the wealthiest countries in the world, many people may still retire poor.”
  • 3. 2 CONTROL YOUR FUTURE Your future is not in the hands of your employer, your union, or your government. It is neither in the hands of your bank nor your broker. THE FUTURE IS IN YOUR HANDS. u Make money u Save money u Accumulate money u Protect money BE YOUR OWN MONEY MANAGER u Understand how money works u Make money work for you YOU CAN BUILD UP A STRONG FINANCIAL FOUNDATION. BUILD UP SAVINGS/ INVESTMENTS HAVE AN EMERGENCY FUND MANAGE DEBT/REDUCE LIABILITY PROPER PROTECTION ON LIFE, HEALTH, DISABILITY $
  • 4. 3 A NEW WORLD OF POSSIBILITY THE ERA OF THE INFORMED CONSUMER From do-it-yourself home improvement to self booking travel, shopping on eBay and Amazon, and being a member of Costco, more people are learning how to get better deals and save more money on products and services. WFG is a new concept in the financial industry that assists people who want to help themselves in building their financial foundation. Thousands and thousands of people from all walks of life across the US and Canada benefit from World Financial Group’s platform. u Get educated on all aspects of personal finance. u Have access to hundreds of financial products and services. u Receive training and support to manage their money. u Save money on various products and services. u Earn commissions by getting licensed and sharing their know how with customers in this fast growing industry. A NEW WORLD OF POSSIBILITY THE ERA OF THE INFORMED CONSUMER From do-it-yourself home improvement to self booking travel, shopping on eBay and Amazon, and being a member of Costco, more people are learning how to get better deals and save more money on products and services. WFG is a new concept in the financial industry that assists people who want to help themselves in building their financial foundation. Thousands and thousands of people from all walks of life across the US and Canada benefit from World Financial Group’s platform. “You can learn and earn in the financial industry.” u Get educated on all aspects of personal finance. u Have access to hundreds of financial products and services. u Receive training and support to manage their money. u Save money on various products and services. u Earn commissions by getting licensed and sharing their know how with customers in this fast growing industry.
  • 5. 4 DO YOU KNOW HOW MONEY WORKS? THE X-CURVE CONCEPT:* THE 10/20 RULE:** u You may need at least 10 times your income to properly protect your family. u You may need at least 20 times your income to have enough for retirement. What do the wealthy know that normal people don’t? THE MAGIC OF COMPOUND INTEREST*** *This concept theorizes that a person’s responsibilities generally decrease and wealth generally increases. **The DIME Method is only one method to help determine a client’s insurable need. ***The Rule 72 is a mathematical concept that approximates the number of years it will 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 invest- ment or savings program can outpace inflation. All figures are for illustrative purposes only and do not reflect an actual investment in any product. GENERALLY MORE SECURE GENERALLY LESS SECURE OLDER Taking Care of Your Future YOUNGER Taking Care of Your Family LAW OF BUILDING WEALTH LAW OF DECREASING RESPONSIBILITY The difference between $10,000 at 4% versus 10% is $280,000. $280,000 is equal to 9 years salary of someone who earns $30,000 annually. 72 / 4 = 18 Money doubles every 18 years Age 4% 29 $10,000 47 $20,000 65 $40,000 72 / 8 = 9 Money doubles every 9 years Age 8% 29 $10,000 38 $20,000 47 $40,000 56 $80,000 65 $160,000 72 / 10 = 7.2 Money doubles every 7.2 years Age 10% 29 $10,000 36 $20,000 43 $40,000 50 $80,000 57 $160,000 65 $320,000 DO YOU KNOW HOW MONEY WORKS? THE X-CURVE CONCEPT:* THE 10/20 RULE:** u You may need at least 10 times your income to properly protect your family. u You may need at least 20 times your income to have enough for retirement. What do the wealthy know that normal people don’t? THE MAGIC OF COMPOUND INTEREST***
  • 6. 5 u The differences between IRA, Roth IRA, SIMPLE IRA and SEP IRA? u RRSP and TFSA in Canada? u Pension Plans vs 401(k), 403(b), and 457 plans? u According to a recent AARP survey, 71% of people with 401(k)s didn’t know they were paying fees and charges for their retirement account? That these fees can reduce their 401(k) balance by up to 30%?* u How to rollover your IRA, 401(k), 403(b) to make it work better for you? u How mutual funds work? u That you are most likely losing money every day? Do you realize that the interest in savings accounts is currently too low to offset inflation and taxes? u U.S. Social Security will have problems paying future retirees after 2037?** u People will face the problem of living a long life without adequate income? DO YOU KNOW ABOUT SAVINGS AND INVESTMENTS? DO YOU KNOW... With understanding and proper preparation, you can build up your future retirement. Tax and/or legal advice not offered by World Financial Group, Inc., World Financial Group Canada, Inc. or their affiliated companies. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters *http://www.cnn.com/2012/06/27/opinion/hiltonsmith-retirement-savings **http://mercatus.org/publication/how-many-workers-support-one-social-security-retiree u The differences between IRA, Roth IRA, SIMPLE IRA and SEP IRA? u RRSP and TFSA in Canada? u Pension Plans vs 401(k), 403(b), and 457 plans? u According to a recent AARP survey, 71% of people with 401(k)s didn’t know they were paying fees and charges for their retirement account? That these fees can reduce their 401(k) balance by up to 30%?* u How to rollover your IRA, 401(k), 403(b) to make it work better for you? u How mutual funds work? u That you are most likely losing money every day? Do you realize that the interest in savings accounts is currently too low to offset inflation and taxes? u U.S. Social Security will have problems paying future retirees after 2037?** u People will face the problem of living a long life without adequate income?
  • 7. 6 u The difference between Term, Whole Life, Universal Life, Variable Life, Index Life? u How group insurance in your workplace works? u The DIME method to calculate your insurance protection need?* Are you properly insured or underinsured? u If you are insurable or uninsurable? u 1 in 2 men and 1 in 3 women will have the risk of developing cancer during their lifetime?** Also 80 million Americans have one or more types of heart disease?*** u The uses for second to die policies, key person insurance, executive bonus life? u Tax advantages of cash value in life insurance such as tax deferred growth, tax free withdrawals, and tax free death benefit? DO YOU KNOW about LIFE INSURANCE? DO YOU KNOW... Are you the type of person who buys insurance but puts the policy in the cabinet and never looks at it? You can learn how to properly protect your family. *The DIME Method is only one method to help determine a client’s insurable need. **http://www.cancer.org/cancer/cancerbasics/lifetime-probability-of-developing-or-dying-from-cancer ***http://millionhearts.hhs.gov/abouthds/cost-consequences.html Tax and/or legal advice not offered by World Financial Group, Inc., World Financial Group Canada, Inc. or their affiliated companies. Please consult with your personal tax professional or legal advisor u The difference between Term, Whole Life, Universal Life, Variable Life, Index Life? u How group insurance in your workplace works? u The DIME method to calculate your insurance protection need?* Are you properly insured or underinsured? u If you are insurable or uninsurable? u 1 in 2 men and 1 in 3 women will have the risk of developing cancer during their lifetime?** Also 80 million Americans have one or more types of heart disease?*** u The uses for second to die policies, key person insurance, executive bonus life? u Tax advantages of cash value in life insurance such as tax deferred growth, tax free withdrawals, and tax free death benefit?
  • 8. 7 THE TAX ISSUE OF MONEY Where do you put your money? Did you know the US Federal top tax rate was over 70% in the 1960’s and currently is at 39.6%?* Since 1945 when Social Security began, the number of workers per retirees shrank from over 40 to about 3 today.** Do you think taxes will increase or decrease in the future? THE TAX ISSUE OF MONEY Where do you put your money? Did you know the US Federal top tax rate was over 70% in the 1960’s and currently is at 39.6%?* Since 1945 when Social Security began, the number of workers per retirees shrank from over 40 to about 3 today.** Do you think taxes will increase or decrease in the future? You can learn how to manage these accounts. *http://taxfoundation.org/article/us-federal-individual-income-tax-rates-history-1913-2013-nominal-and-inflation-adjusted-brackets **http://mercatus.org/publication/how-many-workers-support-one-social-security-retiree The tax advantaged accounts or products listed in this column must adhere to guidelines and conditions set forth and promulgated by the applicable taxing authority of competent jurisdiction. Failure to follow the applicable rules and regulations could and may result in these accounts or productions losing their favorable tax exempt status. Tax and/or legal advice not offered by World Financial Group, Inc., World Financial Group Canada, Inc. or their affiliated companies. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters. IN THE U.S. Where Do You Put Your Money? Tax Now Tax Later Tax Advantaged CHECKING 401k/403(b) ROTH-IRA SAVINGS IRA/SEP-IRA 529 COLLEGE SAVINGS CD ANNUITY MUNICIPAL BOND STOCK PENSION HEALTH SAVING MUTUAL FUND ACCOUNT (HSA) LIFE INSURANCE LONG TERM CARE BENEFIT IN CANADA Where Do You Put Your Money? Tax Now Tax Later Tax Advantaged CHEQUING RRSP/RRIF TFSA SAVINGS LIRA/LIF LIFE INSURANCE BENEFIT GIC RESP INDIVIDUAL CRITICAL STOCK ANNUITY ILLNESS AND MUTUAL FUND PENSION DISABILITY BOND CPP INSURANCE INTEREST INCOME OAS HEALTH INSURANCE NON-REGISTERED RDSP PRIMARY RESIDENCE INVESTMENTS $
  • 9. 8 u Annuities have tax deferred growth? u The lifetime income option of an annuity can provide you with income as long as you live? u The two biggest accounts of former Federal Reserve Chairman Ben Bernanke are in annuities?* u How Medicare Supplements work?**** u The average annual cost of long term care is $83,580 in the US and $47,000 in Canada?** And 70% of people over 65 will expect to use some form of long term care?*** u Final expense insurance may provide easier underwriting, even for people who have medical issues? Some policies can provide a concierge service that takes care of the stressful burden of funeral arrangements during the time of crisis? DO YOU KNOW ABOUT ANNUITIES and LONG TERM CARE? “What if you live too long?” DO YOU KNOW... Do you expect the government or your children to take care of you if you live too long? DO YOU KNOW ABOUT ANNUITIES and LONG TERM CARE? “What if you live too long?” DO YOU KNOW... Do you expect the government or your children to take care of you if you live too long? You can prepare for your golden years. *http://abcnews.go.com/Business/story?id=3433687 ****Not connected to or endorsed by the United States government or Federal Medicare Program. **http://longtermcare.gov/costs-how-to-pay/costs-of-care/ Tax and/or legal advice not offered by World Financial Group, Inc., World Financial Group Canada, Inc. or their affiliated companies. ***http://business.financialpost.com/personal-finance/retirement/inheritance/long-term-care-takes-planning Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters. u Annuities have tax deferred growth? u The lifetime income option of an annuity can provide you with income as long as you live? u The two biggest accounts of former Federal Reserve Chairman Ben Bernanke are in annuities?* u How Medicare Supplements work?**** u The average annual cost of long term care is $83,580 in the US and $47,000 in Canada?** And 70% of people over 65 will expect to use some form of long term care?*** u Final expense insurance may provide easier underwriting, even for people who have medical issues? Some policies can provide a concierge service that takes care of the stressful burden of funeral arrangements during the time of crisis?
  • 10. 9 DO YOU KNOW ABOUT THE HIGH COST OF EDUCATION? DO YOU KNOW... u In 2015, tuition and fees for 4 years in a private college will cost $134,600 and in public/state schools $39,400 (U.S. only)?* u College debt reached $1.2 trillion, surpassing credit cards and auto debt totals?** Determining the most cost-effective, tax-efficient way to fund a college education is not always easy. Many parents would prefer not to think about it at all, hoping that things will somehow work out. It is important to understand college costs, the admissions process, financial aid and how to navigate the complex college funding system. You can understand and participate in college planning. We can’t put so much time and money into raising our kids and then become unwilling to look into college planning. DO YOU KNOW ABOUT THE HIGH COST OF EDUCATION? DO YOU KNOW... u In 2015, tuition and fees for 4 years in a private college will cost $134,600 and in public/state schools $39,400 (U.S. only)?* u College debt reached $1.2 trillion, surpassing credit cards and auto debt totals?** Determining the most cost-effective, tax-efficient way to fund a college education is not always easy. Many parents would prefer not to think about it at all, hoping that things will somehow work out. It is important to understand college costs, the admissions process, financial aid and how to navigate the complex college funding system. You can understand and participate in college planning. We can’t put so much time and money into raising our kids and then become unwilling to look into college planning. Take charge of your children’s future. *http://www.savingforcollege.com/tutorial101/the_real_cost_of_higher_education.php **http://www.newyorkfed.org/newsevents/news/research/2015/rp150217.html
  • 11. 10 PROTECT YOUR FUTURE DO YOU KNOW WITHOUT PROPER PLANNING, YOUR ASSETS AND FAMILY MAY NOT BE PROTECTED? u Who will care for your underage children? u How will you keep an 18-year old from spending their inheritance? u Who gets your home? u Who inherits all of your bank accounts? u Can you avoid family arguments over your belongings and keepsakes? u Who will operate and own your business? u Who decides your health care or end-of-life decisions? u Do you have a will? PROTECT YOUR FUTURE DO YOU KNOW WITHOUT PROPER PLANNING, YOUR ASSETS AND FAMILY MAY NOT BE PROTECTED? u Who will care for your underage children? u How will you keep an 18-year old from spending their inheritance? u Who gets your home? u Who inherits all of your bank accounts? u Can you avoid family arguments over your belongings and keepsakes? u Who will operate and own your business? u Who decides your health care or end-of-life decisions? u Do you have a will? It’s good to have your wishes documented so they can be carried out.
  • 12. 11 BECOME An Associate MEMBER OF WFG To begin your career, complete a WFG Membership Agreement/Application and meet our qualifications along with administrative fee $100 (U.S.)/ $125 (Canada).* BENEFITS OF BEING AN ASSOCIATE** You can earn referral income or benefits by being an Associate Member. u Canada _ AON u U.S. _ Bolt, Netlaw, Legacy Shield and Heartland Institute of Financial Education*** How many people do you know who would also want to save more money on these products and services? Did you know that if you could just save $10 a day or $300 a month, at a 8% rate of return compounded monthly in 30 years you would have $447,107? What if you could save more? BECOME An Associate MEMBER OF WFG To begin your career, complete a WFG Membership Agreement/Application and meet our qualifications along with administrative fee $100 (U.S.)/ $125 (Canada).* BENEFITS OF BEING AN ASSOCIATE** You can earn referral income or benefits by being an Associate Member. u Canada _ AON u U.S. _ Bolt, Netlaw, Legacy Shield and Heartland Institute of Financial Education*** How many people do you know who would also want to save more money on these products and services? Did you know that if you could just save $10 a day or $300 a month, at a 8% rate of return compounded monthly in 30 years you would have $447,107? What if you could save more? This is a hypothetical scenario for illustration purposes only. There is no assurance that these results can or will be achieved. *In Canada, applicable taxes (HST/GST) apply. **Products and services provided by a third-party company through a referral agreement. ***Heartland designation required.
  • 13. 12 RECEIVE FINANCIAL EDUCATION We have training classes that provide knowledge, strategies and solutions in major areas of financial services. u INSURANCE: All types of life insurance and long term care u INVESTMENTS/RETIREMENT: All IRAs, 401(k), Annuities, UTMA, Mutual Funds as well as RRSP, RRIF, TFSA, LIRA, LIF, RESP in Canada u HEALTH: Medicare supplements u EDUCATION: College planning programs, 529 College savings plans u ESTATE PRESERVATION Our personal financial analysis gives you information to plan your financial future.* l RECEIVE FINANCIAL EDUCATION We have training classes that provide knowledge, strategies and solutions in major areas of financial services. u INSURANCE: All types of life insurance and long term care u INVESTMENTS/RETIREMENT: All IRAs, 401(k), Annuities, UTMA, Mutual Funds as well as RRSP, RRIF, TFSA, LIRA, LIF, RESP in Canada u HEALTH: Medicare supplements u EDUCATION: College planning programs, 529 College savings plans u ESTATE PRESERVATION Our personal financial analysis gives you information to plan your financial future.* Knowledge is wealth. You won’t be wealthy unless you understand how money works. IRA (Individual Retirement Account), RRSP (Registered Retirement Savings Plan), RRIF (Registered Retirement Income Fund), TFSA (Tax Free Savings Account), LIRA (Locked-In Retirement Account), LIF (Life Income Fund), RESP (Registered Education Savings Plan), UTMA (Uniform Transfers to Minors Act ). *The WFG Financial Needs Analysis (FNA) is a tool developed to define your current financial situation and to identify products and services through World Financial Group Insurance Agency of Canada, Inc. This analysis provides only broad guidelines, and is based on the accuracy and completeness of the data provided by the client. The analysis uses sources that are believed to be reliable and accurate, although they are not guaranteed. 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. Due to regulatory constraints the WFG Financial Needs Analysis program is prohibited for use with mutual funds clients/clients of WFG Securities, Inc. as well as with clients who reside in Quebec. INSURANCE INVESTMENT HEALTH EDUCATION
  • 14. 13 BECOME A PROFESSIONAL, BUILD A FINANCIAL SERVICES BUSINESSIf you want to share your knowledge and experience and make more money using your flexible time, we offer to: u Help you get the proper licenses. u Get you appointed through our affiliated Insurance Agencies with major insurance companies including giants like Transamerica, Prudential, Nationwide, Voya Financial, Pacific Life in the U.S. and Industrial Alliance, Ivari, RBC Insurance, Equitable Life of Canada, as well as major investment and mutual funds companies. u Help you build a large base of multi-product-using clients and a big organization throughout the U.S. and Canada. WFGIA only sells insurance products. Mutual funds are securities, not insurance. OUR PROVEN TRACK RECORD* On average, we currently pay over $10 million in commissions every week to appropriately licensed associates in the U.S. and Canada. We have more than 4,700 people earning over $100,000+ per year.** Many people make good part-time income, and many others make it a full-time business career. TRAVEL THE WORLD*** Participate and qualify for our dream trips around the world every year. We’ve brought thousands of people to China, Paris, Barcelona, Madrid, Vietnam, Cambodia, Thailand, Singapore, the Caribbean, and Hawaii. BECOME A PROFESSIONAL, BUILD A FINANCIAL SERVICES BUSINESSIf you want to share your knowledge and experience and make more money using your flexible time, we offer to: u Help you get the proper licenses. u Get you appointed through our affiliated Insurance Agencies with major insurance companies including giants like Transamerica, Prudential, Nationwide, Voya Financial, Pacific Life in the U.S. and Industrial Alliance, Ivari, RBC Insurance, Equitable Life of Canada, as well as major investment and mutual funds companies. u Help you build a large base of multi-product-using clients and a big organization throughout the U.S. and Canada. WFGIA only sells insurance products. Mutual funds are securities, not insurance. OUR PROVEN TRACK RECORD* On average, we currently pay over $10 million in commissions every week to appropriately licensed associates in the U.S. and Canada. We have more than 4,700 people earning over $100,000+ per year.** Many people make good part-time income, and many others make it a full-time business career. TRAVEL THE WORLD*** Participate and qualify for our dream trips around the world every year. We’ve brought thousands of people to China, Paris, Barcelona, Madrid, Vietnam, Cambodia, Thailand, Singapore, the Caribbean, and Hawaii. *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. **In the United States: World Financial Group, Inc. (WFG) is the paymaster of any compensation to associates from WFGIA and TFA. In Canada: World Financial Group Canada Inc. (WFGC) is the paymaster of any compensation to associates from WFGIAC and WFGS. Pursuant to the terms, rates and/or schedules established by WFGIA,TFA, WFGIAC and/or WFGS. Compensation terms, rates and/or schedules for products sold or referred through WFG or WFGC are established by WFG or WFGC, respectively. WFG, WFGC, WFGIA, TFA, WFGIAC and WFGS reserve the right to change their respective compensation terms, rates and/or schedules at any time. ***This sales contest were sponsored by Independent Contractor of World Financial Group, Inc. (WFG) and or World Financial Group Canada, Inc. All points are generated through the sale of products and services offered through WFG-affiliated companies. All companies listed maintain current selling agreement (s) with World Financial Group Insurance Agency, Inc., World Financial Group Insurance Agency of Canada, Inc. and Transamerica Financial Advisors, Inc. The city and locations of these companies are: Transamerica Premier Life Insurance Company, Cedar Rapids, Iowa; Transamerica Life Insurance Company, Cedar Rapids, Iowa; Pacific Life Insurance Company, Newport Beach, California; Voya Insurance and Annuity Company, Des Moines, IA; Nationwide Life Insurance Company, Columbus, Ohio; Prudential Annuities Distribution, Inc., Shelton, Connecticut.
  • 15. 14 BE PART OF A NEW INDUSTRY We are in a multi-trillion dollar industry, backed by a multi-billion dollar company. WFG _ World Financial Group, Inc. and World Financial Group Canada, Inc. _ are Transamerica companies. We are one of the best business platforms and one of the fastest growing organizations in the financial industry. We want to revolutionize the financial industry to help resolve the consumer’s dilemma _ lack of understanding, planning and support. YOU ARE THE SOLUTION TO YOUR FUTURE: You have everything to gain with WFG. “If you’re born poor, it’s not your mistake. But if you die poor, it’s your mistake!” _ BILL GATES Compare provider financial products and services, reduce your debt, and increase your savings. Get educated on how money works. Become your own money manager. Have access to financial information. Obtain the know how that successful people have. Build a business by educating and helping people build a solid financial foundation. BE PART OF A NEW INDUSTRY We are in a multi-trillion dollar industry, backed by a multi-billion dollar company. WFG _ World Financial Group, Inc. and World Financial Group Canada, Inc. _ are Transamerica companies. We are one of the best business platforms and one of the fastest growing organizations in the financial industry. We want to revolutionize the financial industry to help resolve the consumer’s dilemma _ lack of understanding, planning and support. YOU ARE THE SOLUTION TO YOUR FUTURE: You have everything to gain with WFG. “If you’re born poor, it’s not your mistake. But if you die poor, it’s your mistake!” _ BILL GATES Become financially independent. Travel the world.
  • 16. World Financial Group and/or WFG consist of the following: U.S.: World Financial Group, Inc. is a financial services marketing company whose affiliates offer a broad array of financial products and services. Insurance products offered through World Financial Group Insurance Agency, Inc., World Financial Group Insurance Agency of Hawaii, Inc., World Financial Group Insurance Agency of Massachusetts, Inc., World Financial Group Insurance Agency of Wyoming, Inc., World Financial Insurance Agency, Inc. (collectively WFGIA). Securities and Investment Advisory Services offered through Transamerica Financial Advisors, Inc. (TFA), Transamerica Financial Group Division – Member FINRA, SIPC, and Registered Investment Advisor. Non-Securities products and services are not offered through TFA. California License # 0679300 World Financial Group, Inc., WFGIA and TFA are affiliated companies. WFG and WFGIA Headquarters: 11315 Johns Creek Parkway, Johns Creek, GA 30097. Phone: 770.453.9300. WorldFinancialGroup.com. TFA Headquarters: 570 Carillon Parkway, St. Petersburg, FL 33716. Phone: 800.322.7161. Canada: World Financial Group Canada Inc. is a financial services marketing company whose affiliates offer a broad array of financial products and services. World Financial Group Insurance Agency of Canada Inc. (WFGIAC) offers life insurance and segregated funds. WFG Securities Inc. (WFGS) offers mutual funds. World Financial Group Canada Inc., WFGIAC and WFGS are affiliated companies. Headquarters: 5000 Yonge Street, Suite 800, Toronto, ON M2N 7E9. Phone: 416.225.2121. In the United States, World Financial Group and the WFG logo are registered trademarks of World Financial Group, Inc. In Canada, World Financial Group is a registered trademark of World Financial Group, Inc. Not For Use In Puerto Rico or Quebec.