2. We will provide you
with an overview of:
What we believe at World
Financial Group (WFG).
How we help people have
better financial futures.
The way our business
opportunity works.
Presentation overview
there is no
expectation
for you to make
a decision today.
2 3
3. Three Perspectives wfg is committed
Who do you know that could to helping:
benefit from our message?
C
ould this information help
Create generations of
my family or me financially? 1
people who know how
Am I intrigued by this opportunity? to better manage and
protect their money.
world financial group
What we expect in
our associates
People skills and desire to learn
Provide our associates with
2
Coachability the support and systems
they need to build strong
Our goals
Willingness to follow a proven WFG businesses and create
business platform better lives for themselves.
4 5
4. An overwhelming What happens to
need for our the people who
products and services do not get help?
an excellent business opportunity
Many financial services
An effective business companies focus on
only the wealthy few,
PLAtform thus many individuals
and families are grossly
Powerful underserved.
compensation There is an overwhelming
need to help middle-income
the dramatic need
Great timing individuals and families
with their finances, but
there are an insufficient
Strong core values number of companies who
are willing to help them.
6 7
5. WHAT’s THE IMPACT? WHAT’s the price? T
o provide individuals
Most families are: Without financial security there is: and families a better
Living with insufficient No peace of mind quality of life, we have
protection and too much debt. to help this change.
Stress and frustration
Not saving at all, or not
where most families are today
knowing why or how much A negative impact on our families
money they should save to
reach their goals. Sleeplessness
Without a strategy for their Lost opportunities
futures, not making enough
Lack of confidence
money and not sure what to
do about either. Lack of hope
Lowered expectations
Lack of dreams
8 9
6. There is a need for a different How is wealth defined? the discipline to
kind of company in financial
services. WFG believes that we E
xtravagant lifestyle – celebrities, determine needs
are that company. high-salaried sports stars, etc. versus wants
Exotic sports car, expensive home, is necessary
WFG is a company that: designer brands to achieve
Reaches out to middle-income
financial
a different kind of company
individuals and families instead But most people security.
of just the wealthy few. who try to live a
Helps clients establish goals and “wealthy”lifestyle:
gives them a clear strategy on how Spend the money they earn or more.
to reach them.
Don’t attain wealth but, instead,
wealth defined
Helps people build a stronger, accumulate large amounts of debt.
more sound financial foundation.
financial security
requires discipline
It’s necessary to develop discipline,
and the ability to determine wants
versus needs.
10 11
7. Financial independence isn’t WFG believes in
about extravagance or a respectful,
living in a mega-mansion. no-pressure process.
True financial independence:
On the first visit, the associate
Saving more and spending less 1
how wfg conducts business
discusses concepts, gathers data
true financial independence
and information, and makes a
Living within one’s means
follow-up appointment.
P
rotecting loved ones should the
“worst-case scenario” occur
The associate performs a
Reducing and eliminating debt 2
financial needs analysis for
Saving sufficient funds to cover expenses the client.
for six months to a year
Building long-term savings that protect
The associate returns to
you and your family for life 3
present the analysis and
Financial Independence = Peace of Mind recommendations.
12 13
8. To know and understand three basic financial concepts can 2 Managing Rate and Risk*
help people have and enjoy financial security. This is what
WFG associates teach. 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
1 The Power of Time Percentage Accumulation
your savings, you will obtain the
Time can be your greatest ally or your worst enemy. 2% $20,000 approximate number of years required
If you haven’t started saving for your future, start now. 6% $80,000 for your initial savings
to double.
10% $320,000
n example of saving $5,000 per year in a
A
basic financial concepts
tax-deferred account earning 10% per year.1
3 Reduce the impact of taxes2
Principal Total
Invested Accumulation Taxable Tax Deferred Tax Exempt
Time
Person A 40 years $200K $2.2 million
Person B 38 years $190K $1.8 million
Difference 2 years $10K $400K
Savings Accounts 401(k)s, IRAs Roth IRAs
Certificates of Deposit (CDs) Fixed Annuities Cash Accumulation in a
8 hours a day, 5 days a week: $96 per hour 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 and, as a result,
T
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. All figures are for
14 illustrative purposes only and do not reflect an actual investment in any product. 15
9. 4, 5
A financial analysis INSURANCE
provided by a WFG
associate can help TERM INSURANCE
answer the questions:
How do I create a workable savings
4, 5 UNIVERSAL LIFE
a wfg financial needs analysis
plan that I can stick to?
What goals should I set, and how much
Fixed ANNUITIES
do I need to save to reach these goals?
our product solutions3
INVESTMENTS
Are there products available that can
5
provide guarantees against loss?
IRA
What products can allow my money to
grow but still allow me to have access
to it without a penalty or being taxed?2 5 RETIREMENT
How much insurance do I need? What COLLEGE SAVINGS
types of insurance should I consider?
Will a professional work with me even 5
if I don’t have a lot of money?
16 17
10. Company
$$$CORP In the traditional model, Traditional Model Non-Traditional Model
there is an incentive to hold Recruiting Oriented
traditional VS. non-traditional models
Production Oriented
back a representative so
they don’t surpass you. Weaknesses
Weaknesses
Incentive to hinder promotion(s) Products often based on a fad
Difficult to keep talented people Products have small earnings potential
In order for any representative Can deter loyalty No standards for participation
Brokerage/Agency to advance, they usually have
Lower energy Inadequate training
to leave the brokerage/agency
No loyalty or buy in
the traditional industry
$$$CORP
for other employment, which Environment can be negative
means that the brokerage/ Stressful Possible lack of professionalism
agency is losing its best people. Little to no growth Lacking financial discipline
Little recognition other than Get-rich-quick mentality
your paycheck Low entry-level earnings
The traditional Strengths Strengths
model inhibits Good training Positive and inspirational
leadership Professionalism High-energy environment
development Strong products Business ownership
and growth. Great earning potential Potential for growth
Major recognition
Representatives
18 19
11. WFG has taken the best of both the A WFG associate can
production- and recruiting-focused
models and created a hybrid business
earn income in one
model that rewards both production of three ways:
and leadership development.
The WFG Hybrid Model
the wfg hybrid business model
Personal production
Our model offers: 1
how to earn income at wfg
Excellent, high-quality training programs
A high-standard of professionalism
Top-rated products
Excellent earnings potential Override the production of the
2 associates you help develop
An energetic and positive working environment
Inspiration and motivation
Exciting growth potential
Mentoring from top leadership Residual income from renewals
3
and/or trails
Business ownership
20 21
12. powerful. WFG associates can WFG offers an excellent income opportunity. The following example shows
develop their full potential how helping a family results in a $2,808 commission paid to the field, with
motivational. as leaders and business the commission based on an average Life Insurance Policy sale to a 40-year-old
inspirational. owners while building male who is contributing $185 per month to the policy.6,7
their organization.
The guidelines for an
associate’s next promotion Per Month Per Year
are clearly stated and
easily accessible from Associate8,9 $4,044 $48,528
(Helps four families per month)
his/her first moment with
your earning potential
the company.
Senior Marketing Director8,9 $7,276 $87,312
(Helps four families per month)
An associate’s personal
production and hard
Senior Marketing Director leading
work, as well as that of
a five-person organization8,9,10
his/her organization, are Only Senior Marketing Director’s associates10
among the factors that $16,174 $194,088
promotions
help four families each per month
help determine when the
associate achieves his/her Senior Marketing Director and each member10
next promotion. of the organization help four families per month $23,450 $281,400
M
any people have experienced different levels of success with World Financial Group. However, individual member experiences may vary. This is not intended to, nor does it, represent that any current
22 member’s individual results are representative of what all participants achieve when following the World Financial Group system. 23
13. now is a perfect The Strength of a
time to consider Business Begins with
the wfg business Strength of Character
opportunity. In life and in business, especially financial
services, a person should have integrity,
honesty, dependability, and be worthy of
someone’s trust. These traits help to build
long-lasting relationships.
In difficult economic
times, there is:
wfg believes in family
A greater demand for financial
timing is everything
WFG wants our associates’ families to be
education and guidance
supported and involved in the business.
essential values
A heightened demand to earn
It’s important to have teamwork both at home
extra income
and at work.
Increased motivation to
WFG believes that involving family helps create
ensure security
a more positive and effectual environment.
Our associates are encouraged to always remain
positive and to never give up on their dreams.
24 25
14. Is the WFG business opportunity Let’s overview the Next Steps
for you? Typically, people who are
considering becoming an associate
three questions Consider the reasons why you
with our company look to do so: we asked you to may want to become a WFG
associate and discuss them with
consider when your spouse/family.
Part Time contemplating a
Like their current jobs but would In the next one to two days, meet
career with WFG.
like to earn extra income with a WFG associate for a follow
up meeting.
Are frustrated or dissatisfied where Who do you know that
they are in their career/life, and could benefit from our If you set an appointment with
would like more control over their message? an associate, please keep it.
the wfg opportunity
time and income
Feel less secure or have recently C
ould this information help
lost a job, and are looking for my family or me financially?
consider wfg
options
Am I intrigued by this
Full Time opportunity?
Are looking to change careers
or want to own a business
26 27
