World Financial Group (WFG) is a financial services company that provides opportunities for people from all walks of life to start their own business selling financial products and services. WFG offers corporate support, training programs, and a business model where new associates are mentored. Associates can represent multiple insurance and financial companies, giving clients more choices. WFG seeks to help clients of all income levels effectively plan for their financial futures through tools like a financial needs analysis. The company believes in providing a path for people to realize their dreams and change their careers.
World Financial Group, Inc. (WFG) is a financial services marketing company whose affiliates offer a broad array of financial products and services in the U.S. and Canada. In the U.S., WFG's affiliates offer insurance products and Transamerica Financial Group offers securities and investment advisory services. In Canada, World Financial Group InsuranceAgency of Canada Inc. offers life insurance and other financial products, with some mutual funds offered through WFG Securities of Canada Inc.
The document discusses World Financial Group's (WFG) financial services and solutions. WFG associates assess clients' individual needs and goals to help them achieve financial objectives like funding education, home purchases, or retirement. WFG does not use a one-size-fits-all approach, but offers a range of products and services from leading companies to create customized strategies. The document emphasizes starting a savings plan early to take advantage of compound interest and reduce the monthly amount needed to achieve savings goals like accumulating $1 million for retirement.
1. The document promotes World Financial Group's (WFG) Variable Universal Life (VUL) insurance product and "crusade" by arguing it provides better solutions than traditional insurance and investment products.
2. It claims VUL offers significant tax advantages under IRS laws and can address multiple family financial needs like protection, savings, and retirement in a single product.
3. Testimonials from financial experts are presented to argue VUL is one of the most powerful financial tools available.
The document provides an overview of World Financial Group (WFG), including their business model, products, compensation structure, and values. WFG believes in helping middle-income individuals and families achieve financial security through education on basic financial concepts. They conduct respectful, no-pressure consultations to analyze clients' needs and recommend solutions like insurance, investments, and retirement products. WFG's hybrid business model rewards both sales production and leadership development through multiple ways for associates to earn income and clear guidelines for promotion.
World Financial Group (WFG) is a financial services company that provides opportunities for individuals to start their own independent financial services business by becoming WFG associates. As associates, they can offer clients financial planning services and products from various insurance and investment companies that WFG has agreements with. Becoming a WFG associate requires a $100 application fee and allows associates to operate their business with support from WFG's corporate headquarters but without franchise or territory fees. WFG trains associates and provides ongoing business support to help associates build their client base and grow their independent financial services business.
This document provides information on building a strong financial foundation. It discusses the importance of saving early and paying yourself first. Small regular savings can grow significantly over time, especially with compound interest. However, one must also pay more than the minimum on debts to avoid large interest costs, and create an emergency fund to prepare for unexpected expenses. The document emphasizes reducing debts, paying yourself first, making more money, building equity, and preserving your estate as key parts of a solid financial plan. Overall, the message is to start building a foundation now through disciplined savings and debt management.
World Financial Group (WFG) is a financial services company that provides tools and resources to help people build their own financial services business and achieve financial success. As a WFG associate, you can start your own business by completing an agreement and paying a $100 fee. WFG offers business support like marketing materials, training, and access to product providers to help associates build and grow their business. Successful associates are recognized through rewards programs.
1) World Financial Group is a financial services marketing organization that represents some of the world's leading financial services providers.
2) They aim to help individuals and families achieve financial independence through education on important financial concepts and solutions.
3) They provide associates with a proven business system and access to resources to help families address financial challenges like debt, protection needs, college costs, retirement and taxes.
World Financial Group, Inc. (WFG) is a financial services marketing company whose affiliates offer a broad array of financial products and services in the U.S. and Canada. In the U.S., WFG's affiliates offer insurance products and Transamerica Financial Group offers securities and investment advisory services. In Canada, World Financial Group InsuranceAgency of Canada Inc. offers life insurance and other financial products, with some mutual funds offered through WFG Securities of Canada Inc.
The document discusses World Financial Group's (WFG) financial services and solutions. WFG associates assess clients' individual needs and goals to help them achieve financial objectives like funding education, home purchases, or retirement. WFG does not use a one-size-fits-all approach, but offers a range of products and services from leading companies to create customized strategies. The document emphasizes starting a savings plan early to take advantage of compound interest and reduce the monthly amount needed to achieve savings goals like accumulating $1 million for retirement.
1. The document promotes World Financial Group's (WFG) Variable Universal Life (VUL) insurance product and "crusade" by arguing it provides better solutions than traditional insurance and investment products.
2. It claims VUL offers significant tax advantages under IRS laws and can address multiple family financial needs like protection, savings, and retirement in a single product.
3. Testimonials from financial experts are presented to argue VUL is one of the most powerful financial tools available.
The document provides an overview of World Financial Group (WFG), including their business model, products, compensation structure, and values. WFG believes in helping middle-income individuals and families achieve financial security through education on basic financial concepts. They conduct respectful, no-pressure consultations to analyze clients' needs and recommend solutions like insurance, investments, and retirement products. WFG's hybrid business model rewards both sales production and leadership development through multiple ways for associates to earn income and clear guidelines for promotion.
World Financial Group (WFG) is a financial services company that provides opportunities for individuals to start their own independent financial services business by becoming WFG associates. As associates, they can offer clients financial planning services and products from various insurance and investment companies that WFG has agreements with. Becoming a WFG associate requires a $100 application fee and allows associates to operate their business with support from WFG's corporate headquarters but without franchise or territory fees. WFG trains associates and provides ongoing business support to help associates build their client base and grow their independent financial services business.
This document provides information on building a strong financial foundation. It discusses the importance of saving early and paying yourself first. Small regular savings can grow significantly over time, especially with compound interest. However, one must also pay more than the minimum on debts to avoid large interest costs, and create an emergency fund to prepare for unexpected expenses. The document emphasizes reducing debts, paying yourself first, making more money, building equity, and preserving your estate as key parts of a solid financial plan. Overall, the message is to start building a foundation now through disciplined savings and debt management.
World Financial Group (WFG) is a financial services company that provides tools and resources to help people build their own financial services business and achieve financial success. As a WFG associate, you can start your own business by completing an agreement and paying a $100 fee. WFG offers business support like marketing materials, training, and access to product providers to help associates build and grow their business. Successful associates are recognized through rewards programs.
1) World Financial Group is a financial services marketing organization that represents some of the world's leading financial services providers.
2) They aim to help individuals and families achieve financial independence through education on important financial concepts and solutions.
3) They provide associates with a proven business system and access to resources to help families address financial challenges like debt, protection needs, college costs, retirement and taxes.
World Financial Group provides financial services and products to help people achieve better financial futures. It uses a hybrid business model that rewards associates for both sales production and leadership in developing other associates. The opportunity allows associates to earn income through their own sales, overrides on other associates' sales, and residuals. World Financial Group focuses on serving middle-income individuals and families and provides training and support to help associates be successful.
WFG provides financial services and products to help people build better financial futures. It uses a hybrid business model that rewards both personal production and leadership development. The opportunity allows associates to earn income through personal sales, overrides on sales of those they help develop, and residual income from renewals.
World Financial Group (WFG) offers a unique opportunity to own a financial services business with low start-up costs of only $100. Associates can leverage WFG's brand and receive training without prior experience. The business can be operated part-time while keeping an existing job. WFG provides a competitive compensation program with opportunities for career advancement. Associates represent multiple insurance and financial services companies, allowing them to find the best products for clients' needs.
1) AEGON N.V. is an international insurance, pension, and investment group based in The Hague, Netherlands with businesses in over 20 markets globally.
2) AEGON N.V. was ranked one of the world's top companies in 2009 by Forbes for its sales, profits, assets, and market value.
3) World Financial Group provides insurance, investment, and retirement planning products and services from select companies to help people achieve their financial goals.
World Financial Group (WFG) is a financial services marketing company made up of thousands of associates in the United States and Canada. It helps middle-income families achieve financial independence through products from hundreds of companies. WFG has an exclusive broker-dealer and is among the top 1% of broker-dealers in the U.S. It is owned by AEGON, one of the world's largest insurance and pension groups. WFG offers training and a business system to help associates build their own businesses and teams to earn commissions on financial products and services.
We provide a business platform to
associates, which gives the support
and systems they need to build
strong businesses and create better
lives for themselves.
Many financial services companies focus on
only the wealthy few; thus many individuals
and families are grossly underserved.
There is an overwhelming need to help
middle-income individuals and families with
their finances, but there is an insufficient
number of companies that are willing to
help them.
World Financial Group, Inc. (WFG) is a financial services marketing company that offers life insurance, financial products, and services through affiliates in the U.S. and Canada. In the U.S., insurance is offered through World Financial Group InsuranceAgency, Inc., and securities are offered through World Group Securities, Inc. In Canada, similar financial products and services are offered through World Financial Group InsuranceAgency of Canada Inc. and WFG Securities of Canada Inc. WFG and its affiliates maintain selling agreements and require associates to be properly licensed.
The document provides information on prospecting and developing a target market for a business. It discusses identifying prospects from a natural market of friends and contacts, using friendship farming to meet new people, employing a friendship borrowing system to get referrals, and utilizing professional prospecting tools from the company. Specific techniques are outlined, including developing a list of 100+ names, qualifying the top 25 prospects, using the FORM method to connect with strangers, and applying the STEAM questions to generate referrals. The importance of ongoing prospecting to sustain business growth is also emphasized.
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.
The document outlines World Financial Group's compensation and promotion guidelines for associates in Canada. It provides details on the requirements to be promoted to different levels from Associate to Executive Vice Chairman, including production and organization requirements over rolling 3, 6, or 12 month periods. It also describes the different types of compensation paid, including base compensation percentages based on products sold, generational overrides on downline production, supervisory overrides, and bonus pool payouts to qualifying associates. The guidelines are designed to provide associates with a powerful and competitive compensation structure to help them build their business and generate an increasing income over time.
The document discusses alternative strategies for financing large purchases and saving for retirement compared to traditional bank loans and qualified retirement plans. It introduces the concept of an "IRC 7702(a) Private Plan", which allows savings to grow tax-free and be withdrawn tax-free, unlike qualified plans. The plan is presented as a way for baby boomers to better plan for retirement outside of the current system, which many have not saved enough through. Contact information is provided to learn more about setting up a private plan.
Power Point explains Equity Indexed Universal Life Insurance: how it works & how it's used.(Adapted from CampIUL™ with permission of Gulf States Marketing)
This document discusses retirement planning and alternatives to traditional 401(k)s and IRAs. It argues that 401(k)s have high fees and are a poor investment for retirement. Alternative options presented include index universal life insurance policies that allow tax-free growth and access to funds for retirement income, critical illnesses, or chronic conditions. The document claims these policies provide better returns and guarantees than traditional retirement accounts while avoiding taxes and market risk. Disclosures note that withdrawals are subject to surrender penalties and tax liability.
The document summarizes how World Financial Group (WFG) provides equal opportunities and support for women and all associates to build successful careers in financial services. WFG aims to remove barriers like favoritism and glass ceilings through its business model of hands-on mentoring, flexible hours, and judging associates based on potential rather than background. The opportunity at WFG allows people from all walks of life, including stay-at-home moms and those with non-financial careers, to start in the financial industry and control their own success through performance-based promotions.
1. The document outlines the sales process for selling an IUL (indexed universal life) policy, which includes a client presentation, financial needs analysis, illustrations/application, and policy delivery.
2. The financial needs analysis involves determining the appropriate coverage amount through a series of questions, reviewing retirement goals by discussing ideal vs minimum retirement scenarios, and analyzing a client's contribution budget.
3. Illustrations would be used to demonstrate policy details like death benefits, cash value, expenses, and living benefits, while addressing potential objections around guarantees vs assumptions.
What is the difference between Whole Life and Indexed Universal Life for Reti...Michael Grigsby
I get asked a lot about how Whole Life insurance differs from Indexed Universal Life insurance, particularly when it comes to retirement planning. In this presentation, I note the similarities between these forms of permanent insurance, the differences, and why you might use one instead of the other.
The document discusses the changing financial landscape and opportunities with life insurance. It notes that fees can significantly reduce retirement savings over time. Life insurance is positioned as a better alternative due to lower fees, tax advantages, living benefits and ability to access funds penalty-free. The document argues that with the right strategy, life insurance can provide greater returns and income than other options like 401ks. It also discusses opportunities for referral agents.
This document discusses building a strong financial foundation. It emphasizes that building wealth responsibly through consistent saving and investment is better than get-rich-quick schemes. Some key aspects of a strong financial foundation discussed include paying yourself first by starting to save early, understanding how compound interest can grow your money over time, protecting your family with adequate life insurance, and creating an emergency fund to prepare for unexpected expenses. The overall message is that a patient, consistent approach to managing finances can help achieve financial security and goals.
A simple and revolutionary financial plan report that does something simple.Abhinay Gupta
This document provides an overview of Mr. XYZ's financial plan. It analyzes his current assets of Rs. 1.19 crores in fixed assets and Rs. 40 lacs in financial assets against total liabilities of Rs. 27.5 lacs, giving a current net worth of Rs. 1.32 crores. It then breaks down his annual income sources, expenses, savings and cash flows. Based on a risk assessment, it recommends an aggressive asset allocation of 70% in equities, 20% in debt and 10% in cash. Finally, it analyzes his financial goals for education, marriage, retirement and vacations, and provides suggestions to meet these goals through insurance plans and investment strategies.
Here is how I would arrange those in order of importance:
1. Income in Retirement
2. Long Term Care
3. Death Benefit
My reasoning is:
Income in retirement is most important as it allows you to financially support yourself once you stop working. Having a reliable source of income to cover living expenses should take priority.
Long term care is the next most important since the costs of care can be substantial if needed for an extended period of time. Having a way to pay for care, whether at home or in a facility, is very valuable.
A death benefit is least important on the list. While providing funds to loved ones after passing is good to have, it is not as
The document discusses Blue Ocean Strategy (BOS), a framework for strategic innovation and moving into uncontested market spaces. It provides an overview of BOS principles, techniques and tools, and uses case studies of Cirque du Soleil and Casella Wines to illustrate how organizations can drive down costs while raising or creating new values for customers. The document also discusses how nonprofits can apply BOS thinking to create uncontested market spaces for donors and clients in the current political landscape.
AEGON N.V. is an international insurance company based in the Netherlands that operates in over 20 countries. It was ranked one of the largest companies in the world in 2009. World Financial Group partners with AEGON and other insurers to offer their products through WFG's network of agents. WFG provides training and support to help agents grow their business and leave no family behind without the protection they need. Success is measured by building a team, completing training requirements, and earning commissions.
World Financial Group provides financial services and products to help people achieve better financial futures. It uses a hybrid business model that rewards associates for both sales production and leadership in developing other associates. The opportunity allows associates to earn income through their own sales, overrides on other associates' sales, and residuals. World Financial Group focuses on serving middle-income individuals and families and provides training and support to help associates be successful.
WFG provides financial services and products to help people build better financial futures. It uses a hybrid business model that rewards both personal production and leadership development. The opportunity allows associates to earn income through personal sales, overrides on sales of those they help develop, and residual income from renewals.
World Financial Group (WFG) offers a unique opportunity to own a financial services business with low start-up costs of only $100. Associates can leverage WFG's brand and receive training without prior experience. The business can be operated part-time while keeping an existing job. WFG provides a competitive compensation program with opportunities for career advancement. Associates represent multiple insurance and financial services companies, allowing them to find the best products for clients' needs.
1) AEGON N.V. is an international insurance, pension, and investment group based in The Hague, Netherlands with businesses in over 20 markets globally.
2) AEGON N.V. was ranked one of the world's top companies in 2009 by Forbes for its sales, profits, assets, and market value.
3) World Financial Group provides insurance, investment, and retirement planning products and services from select companies to help people achieve their financial goals.
World Financial Group (WFG) is a financial services marketing company made up of thousands of associates in the United States and Canada. It helps middle-income families achieve financial independence through products from hundreds of companies. WFG has an exclusive broker-dealer and is among the top 1% of broker-dealers in the U.S. It is owned by AEGON, one of the world's largest insurance and pension groups. WFG offers training and a business system to help associates build their own businesses and teams to earn commissions on financial products and services.
We provide a business platform to
associates, which gives the support
and systems they need to build
strong businesses and create better
lives for themselves.
Many financial services companies focus on
only the wealthy few; thus many individuals
and families are grossly underserved.
There is an overwhelming need to help
middle-income individuals and families with
their finances, but there is an insufficient
number of companies that are willing to
help them.
World Financial Group, Inc. (WFG) is a financial services marketing company that offers life insurance, financial products, and services through affiliates in the U.S. and Canada. In the U.S., insurance is offered through World Financial Group InsuranceAgency, Inc., and securities are offered through World Group Securities, Inc. In Canada, similar financial products and services are offered through World Financial Group InsuranceAgency of Canada Inc. and WFG Securities of Canada Inc. WFG and its affiliates maintain selling agreements and require associates to be properly licensed.
The document provides information on prospecting and developing a target market for a business. It discusses identifying prospects from a natural market of friends and contacts, using friendship farming to meet new people, employing a friendship borrowing system to get referrals, and utilizing professional prospecting tools from the company. Specific techniques are outlined, including developing a list of 100+ names, qualifying the top 25 prospects, using the FORM method to connect with strangers, and applying the STEAM questions to generate referrals. The importance of ongoing prospecting to sustain business growth is also emphasized.
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.
The document outlines World Financial Group's compensation and promotion guidelines for associates in Canada. It provides details on the requirements to be promoted to different levels from Associate to Executive Vice Chairman, including production and organization requirements over rolling 3, 6, or 12 month periods. It also describes the different types of compensation paid, including base compensation percentages based on products sold, generational overrides on downline production, supervisory overrides, and bonus pool payouts to qualifying associates. The guidelines are designed to provide associates with a powerful and competitive compensation structure to help them build their business and generate an increasing income over time.
The document discusses alternative strategies for financing large purchases and saving for retirement compared to traditional bank loans and qualified retirement plans. It introduces the concept of an "IRC 7702(a) Private Plan", which allows savings to grow tax-free and be withdrawn tax-free, unlike qualified plans. The plan is presented as a way for baby boomers to better plan for retirement outside of the current system, which many have not saved enough through. Contact information is provided to learn more about setting up a private plan.
Power Point explains Equity Indexed Universal Life Insurance: how it works & how it's used.(Adapted from CampIUL™ with permission of Gulf States Marketing)
This document discusses retirement planning and alternatives to traditional 401(k)s and IRAs. It argues that 401(k)s have high fees and are a poor investment for retirement. Alternative options presented include index universal life insurance policies that allow tax-free growth and access to funds for retirement income, critical illnesses, or chronic conditions. The document claims these policies provide better returns and guarantees than traditional retirement accounts while avoiding taxes and market risk. Disclosures note that withdrawals are subject to surrender penalties and tax liability.
The document summarizes how World Financial Group (WFG) provides equal opportunities and support for women and all associates to build successful careers in financial services. WFG aims to remove barriers like favoritism and glass ceilings through its business model of hands-on mentoring, flexible hours, and judging associates based on potential rather than background. The opportunity at WFG allows people from all walks of life, including stay-at-home moms and those with non-financial careers, to start in the financial industry and control their own success through performance-based promotions.
1. The document outlines the sales process for selling an IUL (indexed universal life) policy, which includes a client presentation, financial needs analysis, illustrations/application, and policy delivery.
2. The financial needs analysis involves determining the appropriate coverage amount through a series of questions, reviewing retirement goals by discussing ideal vs minimum retirement scenarios, and analyzing a client's contribution budget.
3. Illustrations would be used to demonstrate policy details like death benefits, cash value, expenses, and living benefits, while addressing potential objections around guarantees vs assumptions.
What is the difference between Whole Life and Indexed Universal Life for Reti...Michael Grigsby
I get asked a lot about how Whole Life insurance differs from Indexed Universal Life insurance, particularly when it comes to retirement planning. In this presentation, I note the similarities between these forms of permanent insurance, the differences, and why you might use one instead of the other.
The document discusses the changing financial landscape and opportunities with life insurance. It notes that fees can significantly reduce retirement savings over time. Life insurance is positioned as a better alternative due to lower fees, tax advantages, living benefits and ability to access funds penalty-free. The document argues that with the right strategy, life insurance can provide greater returns and income than other options like 401ks. It also discusses opportunities for referral agents.
This document discusses building a strong financial foundation. It emphasizes that building wealth responsibly through consistent saving and investment is better than get-rich-quick schemes. Some key aspects of a strong financial foundation discussed include paying yourself first by starting to save early, understanding how compound interest can grow your money over time, protecting your family with adequate life insurance, and creating an emergency fund to prepare for unexpected expenses. The overall message is that a patient, consistent approach to managing finances can help achieve financial security and goals.
A simple and revolutionary financial plan report that does something simple.Abhinay Gupta
This document provides an overview of Mr. XYZ's financial plan. It analyzes his current assets of Rs. 1.19 crores in fixed assets and Rs. 40 lacs in financial assets against total liabilities of Rs. 27.5 lacs, giving a current net worth of Rs. 1.32 crores. It then breaks down his annual income sources, expenses, savings and cash flows. Based on a risk assessment, it recommends an aggressive asset allocation of 70% in equities, 20% in debt and 10% in cash. Finally, it analyzes his financial goals for education, marriage, retirement and vacations, and provides suggestions to meet these goals through insurance plans and investment strategies.
Here is how I would arrange those in order of importance:
1. Income in Retirement
2. Long Term Care
3. Death Benefit
My reasoning is:
Income in retirement is most important as it allows you to financially support yourself once you stop working. Having a reliable source of income to cover living expenses should take priority.
Long term care is the next most important since the costs of care can be substantial if needed for an extended period of time. Having a way to pay for care, whether at home or in a facility, is very valuable.
A death benefit is least important on the list. While providing funds to loved ones after passing is good to have, it is not as
The document discusses Blue Ocean Strategy (BOS), a framework for strategic innovation and moving into uncontested market spaces. It provides an overview of BOS principles, techniques and tools, and uses case studies of Cirque du Soleil and Casella Wines to illustrate how organizations can drive down costs while raising or creating new values for customers. The document also discusses how nonprofits can apply BOS thinking to create uncontested market spaces for donors and clients in the current political landscape.
AEGON N.V. is an international insurance company based in the Netherlands that operates in over 20 countries. It was ranked one of the largest companies in the world in 2009. World Financial Group partners with AEGON and other insurers to offer their products through WFG's network of agents. WFG provides training and support to help agents grow their business and leave no family behind without the protection they need. Success is measured by building a team, completing training requirements, and earning commissions.
This document provides information about financial planning services offered by World Financial Group (WFG). WFG associates assess clients' unique needs and goals to help them work toward a more secure financial future. WFG offers a broad range of products like life insurance, annuities, investment funds, and retirement accounts from multiple providers. The document discusses challenges to financial security like debt, college costs, retirement and health care savings shortfalls, and inflation. It promotes the benefits of a customized financial needs analysis from WFG to address these challenges through strategies like debt management, emergency savings, asset accumulation, and proper insurance protection.
Primerica offers women the opportunity to start their own business with low startup costs and flexible schedules. This allows women to earn more money and have greater control over their lives. Many women at Primerica have been able to replace their previous incomes and enjoy financial independence through the support network provided. Primerica representatives help families gain financial literacy and security by providing affordable insurance, investment, and savings options to improve their financial futures.
System Builder- Bring Meeting to the PeopleBryan Daly
System Builder- Bring Meeting to the People
Contact many people and many times
One of the great secrets and our business is seeing people face-to-face.
You can contact people through e-mail, snail mail, or telephone. But the most successful way to contact people is by meeting with them personally.
The document discusses building a successful business in the financial services industry through recruiting. It emphasizes the importance of having a system to duplicate success at scale. Key aspects include recruiting consistently to build a large team, becoming a VP quickly, focusing on recruiting other leaders, and thinking long-term about building an organization with many VPs over time. Success requires working on rather than just in the business, and surrounding oneself with other top producers.
Primerica had a successful initial public offering on the New York Stock Exchange. Major institutional investors from around the world participated and there was 20 times more demand for shares than supply. Primerica's unique business model of helping Main Street families with affordable financial products like term life insurance and mutual funds through a network of independent representatives was viewed positively. The company aims to continue growing its distribution network significantly to help more families while also growing the number of high-earning representatives. Primerica provides technology and support to representatives while focusing on long-term growth rather than short-term trends.
Primerica is the largest independent financial services marketing organization in North America. It was founded in 1977 and is listed on the New York Stock Exchange. Primerica offers a variety of financial products and services to help clients achieve their financial goals through a complimentary Financial Needs Analysis.
World Financial Group offers clients a range of financial products and services from major insurance and investment companies to help clients achieve their goals. Through agreements with companies like Transamerica, Nationwide, Pacific Life, and Voya Financial, licensed associates can provide solutions like life insurance, disability insurance, retirement planning, college savings, and estate planning to fit each client's individual needs. By working with a licensed associate, clients have access to personalized recommendations and strategies to gain control over their financial future and protect what they have worked to build.
WFG - Helping People Create Better Financial Futurespetervinhong
This presentation gives an overview of why WFG associates go to work each day: to build and protect wealth for families and individuals. It overviews the six components of WFG\'s financial needs analysis and describes fundamental financial concepts and strategies - such as the rule of 72 - that can help people secure their financial futures.
World Financial Group (WFG) provides free financial education and advice through licensed independent financial advisors. They offer a wide range of products including insurance, investments, mortgages, and business opportunities. Their services include life insurance, disability insurance, education savings plans, retirement planning, debt consolidation, and home and auto insurance through various partner companies. WFG also provides an opportunity for ambitious individuals to start a career in financial services and become an independent financial advisor.
Transamerica Financial Advisors - The Tomorrow MakersGary Bresien
Transamerica Financial Group Division (TFG) provides investment and professional money management services to middle-income families. Unlike many firms, TFG accepts smaller account sizes starting at $25,000. TFG representatives have access to products from major providers and third-party money managers, allowing them to choose appropriate options for clients' needs. TFG also provides representatives with marketing support, compliance assistance, and opportunities to build an advisory business and earn fees based on assets under management.
Celem prezentacji ma być przybliżenie wybranej miejscowości /opisać takie cechy jak przykładowo – położenie, ludność, historia, obiekty turystyczne, przemysłowe, jak dojechać, co zwiedzać, ciekawe inne obiekty, legendy, sławni ludzie związani z danym miejscem, imprezy cykliczne, etc.
2014 WFG Annual Sales Conference PresentationLouie Lu
Advisor Websites is a global leader in website software for financial professionals, founded in 2002 in Vancouver. They have over 3,500 advisors using their award-winning, compliant platform to create and manage user-friendly websites. While some financial advisors believe they do not need a website since they accept only referrals or have older clients, a website acts as a hub for an advisor's business, allowing them to showcase their services, remain compliant, and better engage customers through calls-to-action compared to using templates or having cluttered sites.
The document provides guidance on developing and managing an effective talent brand. It discusses conducting research to understand company culture and reputation, defining brand-led goals and objectives to ensure internal and external brand values are aligned. It also addresses evaluating employee perceptions of the brand, ensuring conformity from senior management, and measuring the brand's effectiveness through surveys. The overall aim is to create an authentic on-culture internal brand by formalizing the talent brand into HR processes to align employee behaviors with company goals. Regular evaluation of the brand's impact on recruitment, retention and employee engagement is also recommended.
Look at this presentation and see how you can earn $4000 helping 1 family a week. We teach people how to make and save money. Is it not what everybody wants to do?
Motto is helping family from all works of life build a strong financial foundation. Offering the best and broadest range of solutions to the families we serve.
World Financial Group and its associates offer a wide range of financial and insurance products and services through relationships with major providers like Transamerica and Prudential. Licensed associates can help clients choose solutions in areas like investments, retirement planning, insurance, and business solutions. The goal is to align each client's portfolio with their unique needs and financial goals.
The document discusses the need for a new solution in the changing financial world to help families achieve financial freedom and stability. It argues that the current financial services industry does not provide proper answers, protection, or understanding for consumers. The solution proposed is to work with World Financial Group to build solid financial foundations through education and long-term financial planning relationships. The goal is to revolutionize the industry and help one million associates and consumers worldwide plan better for their future.
The document discusses collaboration as a strategy that enables diverse teams to work together physically and virtually to create value through innovation, intimacy with customers, and increased efficiencies. It defines collaboration as a strategy that allows customers, consultants, and vendors to compare different means and risks of enabling that strategy. The document also discusses JDL Strategies' partnership program called The Frontier Club which aims to collaborate with like-minded businesses to add value and provide additional income streams and growth opportunities for partner businesses through active collaboration.
This document provides an overview of World Financial Group (WFG), including their goals, business model, and solutions. Some key points:
- WFG aims to help individuals and families achieve financial security and create a legacy through education and solutions like insurance, annuities, and retirement planning.
- Their business model involves associates conducting a financial needs analysis and presenting customized recommendations to help clients meet their goals.
- They believe many middle-income families lack proper protection or savings strategies and would benefit from guidance on concepts like managing risk and taxes effectively.
- WFG offers solutions like term life insurance, universal life insurance, fixed annuities, and IRAs to help clients save, protect assets,
WFG provides an overview of their company beliefs and business model. They believe there is a need for financial education and guidance for middle-income individuals. WFG's business platform rewards both personal production and leadership development. Associates can earn income through personal sales, overrides on sales by those they recruit, and promotions. The presentation provides examples of earning potential at different levels. WFG emphasizes core values like integrity, family, and positivity. It encourages attendees to consider if the business could benefit them financially and if they are intrigued by the opportunity.
The document provides an overview of World Financial Group (WFG), a financial services company that helps people create success through a business opportunity providing financial products and services. WFG believes in helping middle-income individuals and families achieve financial security and independence through education, proper protection, debt management, and wealth building strategies. The presentation outlines WFG's business platform, compensation structure, and values to introduce potential associates to the opportunity of joining WFG either part-time or full-time.
This document provides an overview of World Financial Group (WFG), including their goals, business model, and solutions. Some key points:
- WFG aims to help people better manage their money through financial education and creating generations of financially secure families.
- Their business model focuses on the underserved middle market through a proven platform and coaching associates to build strong businesses.
- They conduct a needs analysis to help clients establish goals and strategies using solutions like term life insurance, annuities, and retirement/college savings plans.
This document provides an overview of World Financial Group and their services. They aim to help clients build and protect wealth through a respectful financial needs analysis process. Their services include term life insurance, annuities, retirement plans, and college savings vehicles. They emphasize basic financial concepts like managing rates of return, the power of starting early, and reducing taxes. The financial needs analysis evaluates a client's goals, protection needs, debts, cash flow, and wealth preservation.
This document provides information about World Financial Group (WFG), including who they are, their mission and vision, strategic alliances, products offered, how to build income through WFG, and options to become a client or business owner. Key details include:
- WFG is a financial services company made up of an insurance agency and mutual fund dealer that offers products like mutual funds, insurance, and retirement plans.
- Their mission is to help families achieve financial independence and their vision is to build the world's best financial services organization.
- Associates can build income by helping families and receiving commissions, with examples showing potential monthly earnings ranging from $2,520 to $15,480.
- Options
Invest like a PRO !!! Business which can secure you a US Residence Visa.
Live your American Dream
.
Start a Business and Create your own Success Story
Partner with us and enjoy an exponential growth.
.
✅ Minimum Investment
✅ Higher success rate for US Investor Visa
✅ Choose from Variety of Successful Business options.
✅ Proven Business Plan & Track Record
✅ Full Training & Support
✅ Secure & Risk Free Business Model
✅ Great Returns on Investment
✅ Support in Marketing & Lead Generation
WhatsApp: +1-(213)-927-6537
Here's the link
https://wa.me/12139276537
Email: usimmigrationandvisa@gmail.com
Investor Securities Group was founded in 1964 and transitioned to become a branch of Securities America in 2012. It supports over 100 independent financial professionals across the US by providing operational support so advisors can focus on serving clients. The firm is committed to integrity and professionalism in its relationships with advisors. It aims to anticipate advisors' needs, exceed their expectations, and serve as an extra set of eyes and ears for them.
Investor Securities Group was founded in 1964 and transitioned to become a branch of Securities America in 2012. It supports over 100 independent financial professionals across the country. ISG offers operational support services so advisors can focus on serving clients. It is committed to integrity and professionalism in its relationships with advisors. ISG's goal is to anticipate advisors' needs, be advocates for them, and exceed their expectations.
Transamerica Agency Network provides an overview of their company strategy, opportunities for agents, and the products and services offered. Their strategy focuses on helping customers achieve lifetime financial security through profitable growth and delivering appropriate solutions. As an agent, you would have access to training, tools, and support to build your own business and help clients with needs like life insurance, retirement planning, and more. Transamerica offers a wide portfolio of insurance and annuity products from highly rated insurance carriers.
This document outlines how to become an Enterprise Owner (EO) with Prime Meridian Enterprises (PME). As an EO, you can earn a monthly income by distributing promotional materials about PME's business opportunity and endorsed insurance products. You will receive Market Development Allowances (MDA) for any successful product sales generated from your referrals. There is no limit on how much you can earn as your enterprise grows. The document provides an example of one EO's increasing income over 12 months as their circles of influence expanded. It emphasizes that building a successful enterprise takes hard work but offers the potential for a large stream of continuing income.
Mid Atlantic Resource Group is seeking a Financial Advisor to join their growing team. As a Financial Advisor, responsibilities would include developing client relationships, assessing client needs, creating customized financial plans and solutions, and conducting regular review meetings. Ideal candidates have experience in business, sales, or finance, strong communication and leadership skills, and a bachelor's degree or proven track record of success. The role offers training, mentorship, and a competitive compensation and benefits package.
AdvPresentation_Helping_People_Have_Better_Financial_Futures_Sept2011.pptxAl Bruce
The document provides an overview of World Financial Group, including their goals of helping people better manage their finances and providing business opportunities. It discusses the need for their services among middle-income individuals, and how their financial analysis and products can help clients achieve financial security and independence. It also outlines WFG's hybrid business model which rewards both personal production and leadership development.
Virtual Financial is committed to helping families achieve financial security and independence through disciplined money management. They offer a variety of insurance and investment products tailored to individual family needs, including blending term life insurance and indexed universal life insurance. This strategy provides death benefits, market protection of account values, tax advantages, and living benefits to protect families from critical illnesses. Virtual Financial also provides business opportunities for associates to build strong virtual businesses and earn commissions by helping clients achieve their financial goals from home.
Virtual Financial Group is most powerful virtual business & success system ever seen in the history of financial services. Mike Hinsvark & Chris Delfino are CEO & Founder of Virtual Financial Group (VFG), San Diego, CA. Virtual Financial Group Reviews are excellent in ratings for performance in Virtual Financial Services.
Similar to WFG Business Opportunity - Presented by MD Julio Gerena (20)
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...Donc Test
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting, 8th Canadian Edition by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Ebook Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Pdf Solution Manual For Financial Accounting 8th Canadian Edition Pdf Download Stuvia Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Financial Accounting 8th Canadian Edition Ebook Download Stuvia Financial Accounting 8th Canadian Edition Pdf Financial Accounting 8th Canadian Edition Pdf Download Stuvia
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdfcoingabbar
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...mayaclinic18
Whatsapp (+971581248768) Buy Abortion Pills In Dubai/ Qatar/Kuwait/Doha/Abu Dhabi/Alain/RAK City/Satwa/Al Ain/Abortion Pills For Sale In Qatar, Doha. Abu az Zuluf. Abu Thaylah. Ad Dawhah al Jadidah. Al Arish, Al Bida ash Sharqiyah, Al Ghanim, Al Ghuwariyah, Qatari, Abu Dhabi, Dubai.. WHATSAPP +971)581248768 Abortion Pills / Cytotec Tablets Available in Dubai, Sharjah, Abudhabi, Ajman, Alain, Fujeira, Ras Al Khaima, Umm Al Quwain., UAE, buy cytotec in Dubai– Where I can buy abortion pills in Dubai,+971582071918where I can buy abortion pills in Abudhabi +971)581248768 , where I can buy abortion pills in Sharjah,+97158207191 8where I can buy abortion pills in Ajman, +971)581248768 where I can buy abortion pills in Umm al Quwain +971)581248768 , where I can buy abortion pills in Fujairah +971)581248768 , where I can buy abortion pills in Ras al Khaimah +971)581248768 , where I can buy abortion pills in Alain+971)581248768 , where I can buy abortion pills in UAE +971)581248768 we are providing cytotec 200mg abortion pill in dubai, uae.Medication abortion offers an alternative to Surgical Abortion for women in the early weeks of pregnancy. Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
How Does CRISIL Evaluate Lenders in India for Credit RatingsShaheen Kumar
CRISIL evaluates lenders in India by analyzing financial performance, loan portfolio quality, risk management practices, capital adequacy, market position, and adherence to regulatory requirements. This comprehensive assessment ensures a thorough evaluation of creditworthiness and financial strength. Each criterion is meticulously examined to provide credible and reliable ratings.
2. At World Financial Group (WFG), giving people a chance is what we stand for. Whether you are a client
interested in planning more effectively for your family’s financial future or an entrepreneur interested
in starting your own business with a solid company, WFG believes in providing a path to help you realize
your dreams.
WFG offers people from all walks of life an uncommon opportunity — the chance to change careers and
be in business for themselves, but not by themselves. WFG’s excellent corporate headquarters support,
powerful industry relationships, innovative training programs and field-mentoring business model coupled
with your ability to learn and your determination to win can help you start a new future.
Don’t waste your time thinking about what might have been. Don’t spend another minute dreaming about
what you want. Focus your energy on what could be and go out and make it happen. Learn more about
becoming a WFG associate and how you can have a better tomorrow beginning today.
seize THE opportunity
Easy to Get Started.
Complete your WFG Associate Membership Agreement (AMA) and pay $100 (US)/ $125 (Canada)*, and
you’re ready to start building your business as an independent contractor.
No Franchise Fees.
WFG is not a franchise and charges no franchise fees. But as an associate, you can use WFG’s name and
image at no cost to you.
No Territory Restrictions.
You decide where and how to build your business – across the street, across town or across the country.
No Time Clock.
You set your own hours and goals. You’re in control of your business and your time.
Test Drive the Opportunity.
Unlike other businesses, you can start WFG as a part-time1 career while keeping the security of your
existing job. It’s virtually a risk-free chance to change your future.
2
*In Canada, applicable taxes (HST/GST) apply.
1
3. who we are
• FG is an organization with thousands of associates in the United States and
W
Canada dedicated to helping individuals and families plan for their financial future.
World Financial Group is one of the few companies of
its kind in the industry today — a company dedicated to
serving the financial needs of individuals and families
who are often overlooked by the financial services
industry. Unlike other companies who target only
wealthy clients, WFG is dedicated to teaching people
from all walks of life how to plan for their financial
futures and work toward their goals no matter what
their income.
Driven to help people build
solid financial futures, WFG’s
thousands of associates in the
United States and Canada
provide simple financial concepts
to help clients understand how
to put their money to work more
effectively so they can move
toward their goals. Our company
does not have a “one size fits all”
attitude regarding products and
providers, instead WFG associates
advocate the power of choice for
their clients. WFG, through its affiliated companies, has
agreements with several of the financial and insurance
industries’ leading companies, allowing associates to
offer a wide array of products and services, and find the
ones that best fit the clients’ needs. And as clients’ needs
change, WFG’s diverse product selection can grow with
them.
“WFG
associates
advocate
the power
of choice
for THEIR
clients.”
• orld Financial Group, Inc. and World Financial Group Insurance Agency of
W
Canada Inc. are Transamerica companies. The Transamerica companies offer a
wide array of innovative financial services and products with a common purpose:
to help individuals, families and businesses build, protect and preserve their
hard-earned assets. With more than a century of experience, Transamerica has
built a strong reputation based on solid management, sound decisions and
consumer confidence.
• n organization that has agreements with multiple separate insurance and
A
financial services companies.2
• ecurities and investment advisory services offered through Transamerica
S
Financial Advisors, Inc., Transamerica Financial Group Division.
•S
ecurities products in Canada are available through WFG Securities of Canada Inc.
leading from the front
E
ach World Financial Group associate is backed by the strength of industryexperienced leadership, both at the company’s headquarters and in the field.
WFG Board of Directors
The combined experience of the WFG Board of Directors totals more than a
century in the financial services industry, helping them lead WFG into the future.
WFG Chairman’s President’s Councils
Comprised of WFG’s top field leadership, these two councils work with the Board
of Directors and headquarter executives to help guide the company and its growth.
As an associate, you have the power of WFG in your
corner. You are an independent business owner backed
by the marketing and administrative muscle of WFG’s
corporate headquarters and the support of experienced
field leaders who’ve each built his or her own financial
services business from the ground up — all of whom are
dedicated to your success.
2
3
4. WFG associates enjoy an advantage
that many insurance and financial
services professionals do not — the
ability to represent not one, but
many companies to their clients. By
maintaining selling agreements with
numerous separate insurance and
financial services companies, World
Financial Group associates can find
the product that best meets the
client’s needs both now and in the
future as the client’s goals change.
World Financial Group gathered some of the
3
leading companies in the industry to be on
its team – and yours – including:
4, 5
4, 5
4, 5
4, 5
4, 5
5, 6
5, 6
WFG Product providers are also dedicated to
helping you build your business by offering
unparalled support, materials and training.
4
5
5. The WFG Financial Needs Analysis
7
To help clients make the right choices and steps toward financial independence,WFG has developed the
WFG Financial Needs Aalysis.This suitability and needs analysis, based on information that the client
provides, helps a WFG associate establish the foundation for the client’s financial program.
Debt
Management
Proper
Protection
• Consolidate debt
• rotect against loss
P
of income
• Strive to eliminate debt
Cash
Flow
• Protect family assets
• Earn additional income
• Manage expenses
There’s no doubt that families of all incomes can benefit
from preparing for the expected and the unexpected. With
an alarming lack of education about financial fundamentals,
people need the tools and guidance to help them make
informed choices to meet today’s challenges. WFG associates
are ready to help people take the necessary steps toward
establishing and meeting their financial goals by using
simple concepts to educate them about how to put their
money to work.
Asset
Accumulation
Emergency
Fund
Estate
Preservation
• utpace inflation/
O
minimize taxation
• ave three- to six-months’
S
income
• Reduce estate taxes
• rofessional money
P
management
• repare for emergency
P
expenses
• Build a family legacy
When investing, there are certain risks, fees and charges,
and limitations that one must take into consideration.
6
7
6. RE
NG
SI
A
The Law of
Building Equity
OF
DE
C
W
EA
LT
LAW
H
Generally
Less Secure
Generally
More Secure
RE
This concept theorizes that a person’s
responsibilities generally decrease and
wealth generally increases over time.
N
G
SP
OF
AW
L
I
BU
O
younger
N
I
LD
SI
BI
LIT
OLDER
Y
*
compound interest – the rule of 72
The Rule of 72 can help determine how many years it would take to double a person’s initial savings
or investments, and can help a client determine the type of savings plan that will work best with his/
her budget. To obtain the number of years, divide the number 72 by the interest rate of the savings or
investment is earning. For example:
Age
4%
Money doubles
every 18 years
Age
6%
Money doubles
every 12 years
Age
8%
Money doubles
every 9 years
Age
12%
Money doubles
every 6 years
29
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
8
$10,000
$640,000
* ll figures are for illustrative purposes only and do not reflect an actual investment in any product. Additionally, they do not reflect the performance risks,
A
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 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 investment or savings program can outpace inflation. Please note that high risk has been historically associated with higher rates of return.
9
7. WFG offers a dynamic business platform to help
an associate build a financial services business,
providing the corporate support needed to make
his/her organization a strong one. WFG doesn’t
just want associates to survive in this business,
we want them to prosper, which is why we
continuously strive to provide associates with
superior support and services.
“WFG doesn’t just want
associates to survive in
this business, we want
them to prosper…”
As an associate, WFG’s marketing and
administrative muscle stands behind each
associate every step of the way to help
them build successful businesses. The nearly
300 employees at the home offices in
Johns Creek, Ga. and Toronto, ON go to
work each day with one goal in mind:
helping WFG associates build their businesses.
The headquarters offers:
• Licensing and commissions support
The WFG Business System
One of the most powerful resources WFG provides you upon
joining the company is the World Financial Group System
Manual.8 This step-by-step blueprint, developed by the
company’s experienced field leadership, helps each associate
build and grow his or her WFG business. The WFG System
Manual shows you how to:
Build a strong WFG business
Grow a client base
Bring new associates into the business
Mentor new associates
• rovider relationship development
P
• Technology solutions
• rofessional marketing materials for use
P
with clients and prospective associates
• orporate intranet that gives 24-hour
C
access to commission statements,
updated product provider information,
the latest company news and more
In addition to back office support, WFG has
also developed a variety of programs designed
specifically with the associate in mind, including:
Broker-Dealer and
Investment Advisory Services
By becoming a registered representative of
World Financial Group’s affiliate broker-dealer,
Transamerica Financial Advisors, Inc., Transamerica
Financial Group Division, associates in the United
States can offer securities products and services,
and, if properly licensed, investment advisory
services as well. In Canada, WFG Securities of
Canada Inc. representatives who are properly
licensed can offer securities products, scholarship
plans and other services to their clients.
Training Programs
WFG’s comprehensive training and educational
programs in both the United States and Canada
help associates obtain their insurance licenses
and securities registration, get their businesses
up-and-running, and keep associates up-todate on the latest industry trends, product
information and more.
Events
Events, such as the company’s annual convention,
offer an opportunity for associates to attend
informational meetings, visit with product
provider representatives and receive
recognition for their achievements.
Producer Stock Purchase Plan (PSPP)9
This program allows a WFG associate to use up
to 25 percent of his/her commissions payments to
purchase stock (U.S. only).
• orporate websites to help introduce
C
potential clients or associates to the
company
Develop a game plan for success
And much more
10
11
8. Success Society
Recognizing the up-and-coming stars of
World Financial Group, Success Society
members receive a custom WFG Success
Society gold watch with the WFG logo.
$100,000 Ring Club
In addition to the reward of helping families
achieve financial independence, WFG believes in
recognizing and rewarding its associates for their
initiative and determination.10
One of the company’s greatest honors,
inductees into WFG’s $100,000 Ring Club
are recognized by this unique ring with its
blue center stone. Diamonds are added to
the ring with each $100,000 earned by the
associate in a consecutive 12-month period
and larger diamonds are added to the rings
with each executive level promotion. Center
stones change color upon reaching higher
cash flow levels.
Millionaire Hall of Fame
The Millionaire Hall of Fame honors WFG’s
top leaders who earn $1 million or more in
cash flow in a consecutive 12-month period.
Top performers inducted into this elite
group qualify for additional diamonds and a
distinctive new center stone for their rings,
as well as a custom portrait displayed at
WFG’s corporate headquarters.
Rewarding Yourself
At WFG, you can reward yourself by creating a
lifestyle and career where you are in control. As an
independent business owner with WFG, you can:
• Be your own boss
WFG Wall of Fame
Reward Trips
WFG’s reward trip program provides different
levels of opportunity for associates to see the
world’s most amazing places. Escape to Paradise
allows qualifiers to travel to the tropical islands
of Hawaii. World Quest is a lengthier trip offered
every three years to exciting destinations around
the globe, which in the past have included Tahiti,
visits to Spain and Portugal, and a Mediterranean
cruise to Venice, Croatia and the Greek Isles.
12
• ake charge of your career
T
Fully qualified CEO Marketing Directors (CEO
MDs) are recognized with a photo of him/
herself and his/her partner displayed at the
WFG corporate headquarters. Additionally,
members have access to the “Elite Partners”
program – a dedicated representative at the
headquarters to help with questions, concerns
or issues effectig his/her business.
• Set your own schedule
• hoose when and how you spend time
C
with family and friends
• repare for your financial future
P
• row your career based on personal drive
G
for results
13
9. everyday people,
extraordinary
businesses
Jun Joyce Dela Cruz
Anaheim, CA
Deron Debbie Ferrell
Austin, TX
Angelica Guillermo Haro
Pomono, CA
Previous Career: Sales
Previous Career:
Real Estate Broker
Prev. Career:
Student, Waiter,
Elvis Impersonator
Previous Career:
Mortgage Loan Officer
Si Tamdan Hoang
McLean, VA
Judith Hsiao
Alviso, CA
Greg Tina Kapp
Madison, WI
Simon Lam Leman Le
San Jose, CA
Previous Career:
Engineer
As an independent associate of World
Financial Group, you begin to take control
of your life and your career. Following are
some of the top WFG leaders who have built
extraordinary businesses.
Rob Tiffani Day
Houston, TX
Previous Career:
Financial Services
Previous Career:
Postal Worker
Previous Career:
Design Engineer
Robin Bundy
Las Vegas, NV
Alec Chan
San Gabriel, CA
Dan Christine Charlier
Pomona, CA
Tuan Mina Le
San Diego, CA
Nick Michelle Lee
North York, ON
Jeff Cam Levitan
Cumming, GA
David Victoria Limpert
Calgary, AB
Previous Career:
Railroad Conductor
Previous Career:
Financial Industry
Previous Career: Engineering
Previous Career:
Marine
Previous Career:
Electrical Engineer
Previous Career:
Systems Analyst
Previous Career:
Commercial PG Agent
Previous Career:
Farmer
Scott Childress
Atlanta. GA
Pai-Yen Chung Eileen Huynh
New York, NY
Erich Colet
Alviso, CA
Rich Cunningham
West Jordan, UT
Jerry Ma Beth Hsaio
West Covina, CA
Tom Cindy Mathews
Duluth, GA
Yvonne Mei
Alviso, CA
Carl Meldrum
Nanaimo, BC
Previous Career:
Financial Planner
14
Steve Tina Cao
Dallas, TX
Previous Career:
Software Engineer
Previous Career:
Technician
Previous Career:
Mining Mechanic
Previous Career:
Controller
Previous Career: Accounting
Previous Career:
Flight Attendant
Previous Career:
Financial Services
15
10. Norm Meldrum
Calgary, AB
Jeff Debbie Miles
Farmington, UT
Agnes Miranda
Concord, ON
Greg Sorensen
San Jose, CA
Harinder Singh Jagjot Sukhija
Surrey, BC
Teresa Tang-Wong Jack Wong
Richmond Hill, ON
Jaime Shawn Villalovos
Agoura Hills, CA
Previous Career:
Financial Services
and Retail
Previous Career:
Jewelry Store Owner
Previous Career:
Construction
Previous Career:
Financial Services
Previous Career:
Quality Control Manager
Previous Career:
Business
Previous Career:
Financial Services
Previous Career:
Health Club
Management
Bill Peggy Mitchell
Cincinnati, OH
Andy Linh Nguyen
Rockville, MD
Micky Nguyen Linh Truong
Virginia Beach, VA
Xuan Hoa Nguyen
Alviso, CA
Kathryn Wang Daning Wu
Burlingame, CA
John Julie Woo
Los Angeles, CA
Wan Yang Lucy Lu
Houston, TX
Liz Rudy Zetazate
Toronto, ON
Previous Career: Engineering and
Financial Services
Previous Career: Computer Engineer
Previous Career: Engineering
Previous Career:
Social Work
Previous Career: Computer Sales/
Special Ed. Teacher
Previous Career:
Hotel Management
Previous Career: Scientist
Previous Career:
Financial Underwriter
Eric Olson
San Jose, CA
Penney Ooi Benjamin Eeo
Pleasanton, CA
Bryce Maryan Peterson
West Jordan, UT
John Amy Pham
Anaheim, CA
Previous Career:
Business
Previous Career:
Loan Officer
Previous Career:
Financial Services
Previous Career:
Design Engineer
Howard Qu
City of Industry, CA
Rocky Shi Miranda Kuong
Rockville, MD
Zhong Shi Xiao Lin
Alviso, CA
John Arlene Shin
Woodland Hills, CA
Previous Career:
Physician
16
Réal Claudette Michaud
Edmonton, AB
Previous Career:
Computer Programmer
Previous Career:
Engineer
Previous Career:
Real Estate/Law
17