This document provides an overview of World Financial Group, which helps clients build and protect wealth through savings, insurance, and investment products. It discusses the company's mission to help families achieve financial security and independence through creating relationships based on trust and referrals. The document also summarizes some basic financial concepts around managing money, such as the power of compound interest over time, understanding risk and return, and reducing taxes.

1. Helping People Create Better
FINANCIAL FUTURES
A Transamerica Company
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2. Overview how we
What we do: savings, insurance, conduct
and more. business with
our clients
Our mission is to help build and
protect wealth for families. On the first visit, the
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associate discusses concepts,
We believe in creating gathers data and information,
relationships based on trust and and makes a follow-up
building business through referrals. appointment.
Consider two
perspectives: The associate performs
WORLD FINANCIAL GROUP
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a financial needs analysis
Do I know someone who could for the client.
benefit from this message?
Can this information help me,
my family and friends financially? The associate returns to
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present the analysis and
recommendations.
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3. 2,3
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PRODUCTS & SOLUTIONS1
INSURANCE INVESTMENTS
TERM INSURANCE IRA
UNIVERSAL LIFE RETIREMENT
Fixed ANNUITIES COLLEGE SAVINGS
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4. Most Families Are: True Financial
Living with too much debt and not Independence is:
enough insurance protection. About saving more and
spending less
Limited savings, if any, without a clear
understanding of how much savings Living within one’s means
is enough.
Protecting loved ones
The situation of most households
Not enough income and not sure should the “worst-case
how to fix the problem. scenario” occur
Systematically reducing
What is the result of and eliminating debt
living like this?
Sufficient funds to cover
Loss of peace of mind expenses for six months
or a year
Stress and frustration in our homes
Long-term savings that
Negative impact on families protect you and your
family for life
to improve quality of life, Peace of mind
changes must be made.
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5. To know and understand three basic financial concepts can help people
have and enjoy financial security. This is what WFG associates teach.
The Power of Time
Time can be your greatest ally or your worst enemy. If you haven’t started
saving for your future, start now.
n example of saving $5,000 per year in a tax-deferred account earning
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10% per year.4
Principal Total
basic financial concepts
Time Invested Accumulation
Person A 40 years $200K $2.2 million
Person B 38 years $190K $1.8 million
Difference 2 years $10K $400K
8 hours a day, 5 days a week: $96 per hour
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6. Managing Rate and Risk*
A one-time investment of $10,000 saved for 36 years
The Rule of 72 - If you divide 72 by
Interest Rate Total the interest rate being earned on your
Percentage Accumulation savings, you will obtain the approximate
number of years required for your initial
2% $20,000 savings to double.
6% $80,000
10% $320,000
Reduce the impact of taxes5
basic financial concepts
Taxable Tax Deferred Tax Exempt
Savings Accounts 401(k)s, IRAs Roth IRAs
Certificates of Deposit (CDs) Fixed Annuities Cash Accumulation in a
Savings Bonds Life Insurance policy
* he Rule of 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
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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
6 outpace inflation. All figures are for illustrative purposes only and do not reflect an actual investment in any product.

7. A financial analysis provided by a WFG associate
covers the areas of cash flow, proper protection,
emergency fund, debt management, and asset
accumulation and preservation.
It can help you answer these
questions and more:
How do I create a workable savings plan that
I can stick to?
What goals should I set, and how much do
I need to save to reach these goals?
A WFG FINANCIAL ANALYSIS
How much insurance do I need? What types of
insurance should I consider?
If we can help you by using the principles of our
financial needs analysis and offer you suitable
solutions for you and your family, would you be
willing to do business with us?
If you are pleased with your experience with us,
would you be willing to refer friends or family to
us so we can share this information with them?
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8. World Financial Group, Inc. (WFG) is a financial
services marketing company whose affiliates
offer a broad array of financial products and
services. Insurance products offered through
1 roviders maintain current selling agreement(s) with World Financial Group Insurance
P World Financial Group Insurance Agency, Inc.,
Agency, Inc. (WFGIA) or its subsidiaries. World Financial Group Insurance Agency of
2 RL, Transamerica Life Insurance Company, World Financial Group, and WFGIA and its
W Hawaii, Inc., World Financial Group Insurance
subsidiaries are affiliated companies. Agency of Massachusetts, Inc., World Financial
3 he full names, city and state locations of these entities are: Western Reserve Life Assurance
T Group Insurance Agency of Wyoming, Inc.,
Co. of Ohio, Columbus, Ohio; Transamerica Life Insurance Company, Cedar Rapids, Iowa; World Financial Insurance Agency, Inc. and/or
Pacific Life Insurance Company, Newport Beach, California; ING USA Annuity and Life WFG Insurance Agency of Puerto Rico, Inc.
Insurance Company, Des Moines, Iowa; Nationwide Life Insurance Company, Columbus, Ohio.
WFG and WFGIA are affiliated companies.
4 ll figures are for illustrative purposes only and do not reflect an actual investment in any
A Headquarters: 11315 Johns Creek Park-
product. Additionally, they do not reflect the performance risks, taxes, expenses or charges way, Johns Creek, GA 30097-1517 Phone:
associated with any actual investment, which would lower performance. This illustration is 770.453.9300.
not an indication or guarantee of future performance. Contributions are made at the end of
the period. For use in the United States only.
5 ax and/or legal advice not offered by World Financial Group or its affiliated companies.
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Please consult with your personal tax professional or legal advisor for further guidance on ©2011 World Financial Group, Inc.
tax or legal matters. 2586/6.12
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