This document provides information about Hegemon Group International (HGI), including its mission, vision, and leadership system. It discusses HGI's founder Hubert Humphrey and his history of success in the financial services industry. The document promotes HGI's indexed universal life insurance product and compensation plan. It argues that HGI offers a better alternative to traditional retirement plans by providing tax advantages and guaranteed returns. Overall, the document markets HGI and its business opportunity to potential recruits or customers.
This is a presentation I gave to my writing for the organization class. We were assigned to give an informative speech. I chose retirement because too many times its overly complicated and many young people cannot understand it.
The boomers have paid into social policy funds to pay for their parents’ retirements only to find those funds have not been used and made to work for them. They have become the victims of poor management policies of the industry who claim results they have never managed to obtain, ever.
You will never save your bacon that way. The financial industry managers ensure that they will take the hog home after you raised it.
“I’ve had nothing yet,” Alice replied in an offended tone: “so I ca’n’t take more.” “You mean you ca’n’t take less,” said the Hatter: “it’s very easy to take more than nothing.”
Want to understand how our population is aging and what it means for you? Want an Action Plan for retirement? Use Abaris' simple tutorial to get answers to these questions and more.
Science has proved it: people today are living longer than ever before. But as average life expectancies have been rising, the mean retirement age has stayed more or less the same. Since 1940 the average life span has gone up about 17 years, now at about age 79, yet the average age of retirement is more or less the exact same, about 65 years old. That leaves a big gap of your life filled without a paycheck, which is why Social Security, pensions and retirement income products are so important.
Despite the importance of Social Security and pension plans, fewer people than ever have pensions today and Social Security rarely covers all of a retiree’s expenses. On average, money received from Social Security only makes up about 42% of an individual’s pre-retirement income. Additionally, Social Security reserves are suffering from underfunding, and are expected to run out by 2033 under current law. Pension plans are great in that they guarantee a lifetime income, but they’re becoming more and more rare. Today, the predominant form of individual retirement savings is in 401(k)s and IRAs. But those plans don’t automatically provide lifetime income, leaving people to struggle with longevity risk: the chance that you live far longer than you expect. If you lead a long healthy life, as you certainly hope to, you’d end up running out of your savings.One solution? Deferred income annuities.
A deferred income annuity is a way of insuring against longevity. You make a payment, or series of payments, to an insurance company. Insurance companies are able to pool risk and use the market for pooling and protection in ways that you can’t on your own. This allows them to pay you an annual income, beginning at some future date, for the rest of your life. Surely stocks tend to yield a greater financial return, but with a deferred income annuity the value is in the guaranteed protection and the peace of mind. Deferred income annuities aren’t right for everyone. If you’re younger than 45, in below average health, most concerned about passing money onto your heirs, able to “self-insure” off the wealth of your investment income, or if you haven’t saved enough and need to keep the money you have in case of emergency then you’re probably not the best fit for a deferred income annuity. But otherwise, you’re looking like a great candidate.
How the FEG/COLONIAL partnership can rocket wealth on your teamMichael Grigsby
Colonial agents and regional managers need to learn about the new relationship with Freedom Equity Group. The way it changes the conversation with your clients and relationship with your agents, will drive new business and new wealth to your voluntary benefit team. This presentation is prepared by an expert on voluntary benefits. For a persona
Everyone can benefit from starting their own private equity bank. All that is needed is the ability to contribute monthly installments or a large lump sum coupled with monthly deposits. You can start your own bank for as little as a few hundred dollars a month. How simple is that?
What can you use your bank for?
Anything! You can purchase real estate, cars, vacations, college tuition, fund retirement, purchase investments, businesses, etc. Whatever your interest or needs are, the money is there for your convenience.
What are the benefits of being your own banker?
Simply put…financial independence.
You will no longer depend on financial institutions to borrow money or grow your wealth. You will never pay interest to a financial institution again. This is on your own terms!
Contact Kagan Financial for more information: 1.800.774.0945
Self-employed or own a small business? High-income, self-employed professionals are uniquely position to cut their taxes and save more for retirement with an excellent savings tool called a defined benefit plan. Save tens of thousands in taxes each year and build your retirement nest egg!
This is a presentation I gave to my writing for the organization class. We were assigned to give an informative speech. I chose retirement because too many times its overly complicated and many young people cannot understand it.
The boomers have paid into social policy funds to pay for their parents’ retirements only to find those funds have not been used and made to work for them. They have become the victims of poor management policies of the industry who claim results they have never managed to obtain, ever.
You will never save your bacon that way. The financial industry managers ensure that they will take the hog home after you raised it.
“I’ve had nothing yet,” Alice replied in an offended tone: “so I ca’n’t take more.” “You mean you ca’n’t take less,” said the Hatter: “it’s very easy to take more than nothing.”
Want to understand how our population is aging and what it means for you? Want an Action Plan for retirement? Use Abaris' simple tutorial to get answers to these questions and more.
Science has proved it: people today are living longer than ever before. But as average life expectancies have been rising, the mean retirement age has stayed more or less the same. Since 1940 the average life span has gone up about 17 years, now at about age 79, yet the average age of retirement is more or less the exact same, about 65 years old. That leaves a big gap of your life filled without a paycheck, which is why Social Security, pensions and retirement income products are so important.
Despite the importance of Social Security and pension plans, fewer people than ever have pensions today and Social Security rarely covers all of a retiree’s expenses. On average, money received from Social Security only makes up about 42% of an individual’s pre-retirement income. Additionally, Social Security reserves are suffering from underfunding, and are expected to run out by 2033 under current law. Pension plans are great in that they guarantee a lifetime income, but they’re becoming more and more rare. Today, the predominant form of individual retirement savings is in 401(k)s and IRAs. But those plans don’t automatically provide lifetime income, leaving people to struggle with longevity risk: the chance that you live far longer than you expect. If you lead a long healthy life, as you certainly hope to, you’d end up running out of your savings.One solution? Deferred income annuities.
A deferred income annuity is a way of insuring against longevity. You make a payment, or series of payments, to an insurance company. Insurance companies are able to pool risk and use the market for pooling and protection in ways that you can’t on your own. This allows them to pay you an annual income, beginning at some future date, for the rest of your life. Surely stocks tend to yield a greater financial return, but with a deferred income annuity the value is in the guaranteed protection and the peace of mind. Deferred income annuities aren’t right for everyone. If you’re younger than 45, in below average health, most concerned about passing money onto your heirs, able to “self-insure” off the wealth of your investment income, or if you haven’t saved enough and need to keep the money you have in case of emergency then you’re probably not the best fit for a deferred income annuity. But otherwise, you’re looking like a great candidate.
How the FEG/COLONIAL partnership can rocket wealth on your teamMichael Grigsby
Colonial agents and regional managers need to learn about the new relationship with Freedom Equity Group. The way it changes the conversation with your clients and relationship with your agents, will drive new business and new wealth to your voluntary benefit team. This presentation is prepared by an expert on voluntary benefits. For a persona
Everyone can benefit from starting their own private equity bank. All that is needed is the ability to contribute monthly installments or a large lump sum coupled with monthly deposits. You can start your own bank for as little as a few hundred dollars a month. How simple is that?
What can you use your bank for?
Anything! You can purchase real estate, cars, vacations, college tuition, fund retirement, purchase investments, businesses, etc. Whatever your interest or needs are, the money is there for your convenience.
What are the benefits of being your own banker?
Simply put…financial independence.
You will no longer depend on financial institutions to borrow money or grow your wealth. You will never pay interest to a financial institution again. This is on your own terms!
Contact Kagan Financial for more information: 1.800.774.0945
Self-employed or own a small business? High-income, self-employed professionals are uniquely position to cut their taxes and save more for retirement with an excellent savings tool called a defined benefit plan. Save tens of thousands in taxes each year and build your retirement nest egg!
The following presentation supports the Chartered Quality Institute Certificate & Diploma in Quality Management qualification and CQI Foundation Courses. For the full presentation and workbook please contact us. Join us on a Learning Journey.
The Anti-annuity is Single Premium Indexed Universal Life. We explain its primary uses, its tax saving abilities and how it can be used with annuities or qualified money. The Anti-Annuity works similar to an annuity however your money is liquid. The purpose of this book is to help you understand how the Anti-Annuity works, so that you will be educated and make the right choice if you choose to use this powerful tax-saving tool.
Who gets your percentage of the business when you retire, die or sell it? Your partner, a spouse, or your children? Are you doing the best to maximize tax advantages? What are you doing to protect your interest and assets? How are you positioning employee retention and loyalty?
See how you can eliminate most all the ways people fail financially. Whether you live long, die too soon or get a critical illness along the way, you can be financially protected. Eliminate financial stress during a major illness and you will heal quicker. We show you how.
After viewing, learn more at www.petercatalano.com
2. Guides to Greatness
HGI Mission
To create more financially
independent families than any
other business in history.
HGI Vision
To lead the consumer
empowerment revolution.
HGI System
The Leadership Format System
(LFS) will allow us to achieve
our Vision and Mission.
Alignment with Our Vision! ...
Passion for Our Mission! ...
Submission to Our System!
3. Disruption of an Industry
Every once in a while, a NEW IDEA is introduced to an
OLD INDUSTRY which completely changes the way that
industry does business.
If any of these entrepreneurs had called you to join them
in their NEW ENDEAVOR, would you have taken the call?
Ray Kroc
Sam Walton
Steve Jobs
Howard Schultz
Mark Zuckerberg
Hubert Humphrey
A.L. Williams
World Marketing Alliance
Hegemon Group International
4. _
_________________________________________________________________
A.L. Williams
1980’s
Hubert was the #1 Field
Earner - $33,700,000
Led the “Buy Term & Invest
The Difference” Revolution
#1 In Term Insurance
#1 In Mutual Funds
Now known as Primerica
$2.4 Billion Market Cap
Leadership Format System
Financial Trend Domination
1990’s
Hubert Humphrey, CEO
Led the “Investment Industry”
Revolution
#1 in Variable Universal Life
#1 in Variable Annuities
#1 in Mutual Funds
Now Known as WFG
$1.4 Billion Market Cap
Leadership Format System
Today
Hubert Humphrey, CEO
Leading the “Great Wealth
Transference” Revolution
Insurance
Investments
Real Estate
Next Billion Dollar Market Cap
Company
Leadership Format System
2000’s
Hubert Humphrey, CEO
Led the “Mortgage & Real Estate”
Revolution
#1 Producer in Mortgage Loans
Top Producer in Real Estate
Marketing
Over 100,000 Associates
Leadership Format System
Hubert Humphrey
HGI Founder/CEO
2013 Entrepreneurship
Hall of Fame Inductee
5. When Money Moves...
Fortunes are Made!
The Greatest Inter-Generational Wealth Transfer in History
*Approx. $45 Trillion will
move from one generation
to another.
The Greatest Economic Story
of Our Lifetime
*Source: Business Insider – June 15, 2014
6. Demographic Inevitability
Millennials Gen X Baby Boomers Seniors
76,000,000
Ages: 51-69
Wealth Recovery/
Acceleration
The Market
- $63 Trillion Industry - Inflation Proof
- Recession Proof - Products Apply to All
- Growing Demand for
Financial Professionals
40,000,000
Ages: 65+
Retirement Income
64,000,000
Ages: 34-50
Accumulation + Tax
Benefits
82,000,000
Ages: 20-34
Low Cost – High Coverage
7. Increase Cash Flow 1 • Earn Additional Income
• Manage Expenses
Debt Management 2 • Consolidate Debt
• Eliminate Debt
Emergency Fund 3
• Save 3 - 6 months Income
• Prepare for Emergency
Expenses
Proper Protection 4
• Protect against loss of
Income
• Protect Family Assets
Long-Term Savings 5 • Outpace Inflation
• Minimize Taxation
Estate Preservation 6 • Avoid Probate
• Maintain Privacy
6 Steps To Financial Security
Financial Needs Analysis
8. The Rule of 72
Simply divide the number 72 by your expected rate of return to determine
the number of years it will take your money to double.
“The most powerful force in the universe is compound
interest.” - Albert Einstein
"The person that understands compound interest will earn it.
The person that does not will pay it!“
Magic of Compound Interest
The example of what happens when a 29 year old
invests $10,000 at different rates of return:
4%
Money doubles
every: 18 years
2 Doubles
Achieved
29 $10,000
47 $20,000
65 $40,000
Source: USA Today “Doubling Your Money”, April 25, 2015
8%
9 years
29 $10,000
12%
6 years
29 $10,000
65 $160,000
56 $80,000
47 $40,000
38 $20,000
4 Doubles Achieved
35 $20,000
41 $40,000
47 $80,000
53 $160,000
59 $320,000
65 $640,0006 Doubles Achieved
11. I.R.C. 401(k)
High Fees
Market Risk
State & Federal Tax
10% Penalty Withdrawals < Age 59 ½
50% Penalty > 70 ½
Taxable Benefit to Beneficiary
I.R.C. 7702
Low Fees
No Market Risk
Tax-Free Loans & Withdrawals
Non-Taxable Benefit to Beneficiary
No Minimum or Maximum Age Restrictions
No Probate Court
Income Tax-Free Wealth Transfer
Internal Revenue Codes
12. Finally an Alternative to
Government “Qualified” Plans
The Swiss Army Knife of Financial Products
Indexed Universal Life
Your I.R.C. 7702 Option Includes:
No losses Has No Market Risk
Strong Growth Can Earn Double Digit Returns
Tax Advantages Tax Free Growth and Withdrawals
Liquidity Access Cash With No Tax Penalties
Control No Forced Withdrawals at age 70½
Lifetime Income Can Solve Dilemma of Living too Long
Living Benefits Critical, Chronic & Terminal Illness Protection
Product features, rider options and availability may vary by state. Please consult with a financial representative regarding features and availability in your state.
13. A Tale of Two Brothers
Brother “A”
“The Old Way”
Save for retirement in
qualified accounts,
receive tax deduction
and pay taxes later.
Brother “B”
“The New Way”
Save for retirement in
non-qualified accounts
and receive tax-free
income later.
$6,700 contributions to 401(k) +
$1,050 employer match
$500 annual premium
$250,000 30-year term
$7,200 actual out of pocket
$0 contributions to 401(k) +
$0 employer match
$7,200 annual premium
$250,000 Indexed UL (IRC 7702)
$7,200 actual out of pocket
Our story begins with two brothers age 35, each married with two
children. Both are saving the same amount of money, earning
the same 6.65% interest rate, for the same period of time.
Who made the right decision?
14. A Tale of Two Brothers
Brother “A”
“The Old Way”
Save for retirement in
qualified accounts,
receive tax deduction
and pay taxes later.
Brother “B”
“The New Way”
Save for retirement in
non-qualified accounts
and receive tax-free
income later.
Results After 30 Years
$734,639 401(k) value
• Subject to market fluctuations
• Principal Not Guaranteed
• Gains are not locked in
$0 term insurance
($10,000+ annual premium to
replace)
$65,000 cumulative tax savings
$541,756 cash value
• Not subject to market fluctuations
• Principal guaranteed
• Gains are locked in
$791,756 IUL Death Benefit
& accelerated living
benefits
(Pay no more premiums after year 30)
$0 cumulative tax savings
It’s not how much you make.
It’s how much you keep!
15. A Tale of Two Brothers
Brother “A”
“The Old Way”
Save for retirement in
qualified accounts,
receive tax deduction
and pay taxes later.
Brother “B”
“The New Way”
Save for retirement in
non-qualified accounts
and receive tax-free
income later.
Results During Retirement
$734,639 total retirement income
$45,000 annual income
$64,285 withdrawal from 401(k)
$(19,285) income tax (IRC 401k)
In 11 years, at age 76, Brother “A”
runs out of money!
There is no death benefit or
accelerated living benefits either!
$541,756 total retirement income
$45,000 annual income
$45,000 TAX-FREE loans
$0 income tax (IRC 7702)
Brother “B” takes withdrawals of
$45,000 for 20 years, and still has
over $144,000 of cash value at age
85! He also has $239,534 of death
benefit and living benefits!
Which plan makes you feel more financially secure?
16. A Tale of Two Brothers
Brother “A”
“The Old Way”
Save for retirement in
qualified accounts,
receive tax deduction
and pay taxes later.
Brother “B”
“The New Way”
Save for retirement in
non-qualified accounts
and receive tax-free
income later.
HGI Is Changing The Way America
Thinks About Qualified Plans!
No Financial Advisor
Bank Saver
Social Security
Pensions
401k Plans
529 College Plans
Temporary Life Insurance
Minimal Tax Advantages
Tax-Deductible Contributions
Financial Advisor
Diversified Portfolio
Self-Directed IRA
Self-Directed 401k
7702 Plans
Indexed Universal Life
Living Benefits
Maximized Tax Advantages
Tax-Free Distributions
17. Living Benefits
Life & Health Industries Colliding
Critical, Chronic and Terminal Illness
Product features, rider options and availability may vary by state. Please consult with a financial representative regarding features and availability in your state.
Finally, life insurance that you don’t
have to die to use!
We are more likely to get sick before
dying.
Heart Attack, Stroke, Cancer,
Coronary Artery Bypass, Organ
Transplant, Renal Failure, Paralysis,
Coma, Severe Burn
Severe Cognitive Impairment
Lose 2 out of 6 Activities of Daily Life
(ADLs):
Bathing, Dressing, Eating, Toileting,
Transferring & Continence
19. HGI has a Strategic Alignment with
Paul Dietrich/Fairfax Global Markets
One of the top active money managers in the United States.
Contributed to the Wall Street Journal, The Washington
Post, and the London Times.
Paul Dietrich
CEO Fairfax
Global Markets
A frequent commentator on CNN, Bloomberg TV, CNBC
and FOX Business News.
Through HGI’s affiliation with Fairfax Global Markets, LLC Registered Investment
Advisory firm, you can deliver the active money management story to your clients and
build wealth for your family by using our Unregistered Solicitors (URS) Referral Fee
Program (available in certain states.)
*Fairfax Global Markets, LLC is a Registered Investment Advisor under the rules of the SEC.
21. Multiple Streams of Income
1. Personal Production 40%-85%
2. Field Training/Qualified Field Builder
3. Overrides/Leverage
Base Shop 10%- 45%
Generational Team-Building Overrides - 6 levels 23.5%
All Company “Quality of Business” Bonus Pools 3.25%
Executive Overrides “Infinity Bonus” 2%-5%
4. Residual Income through Recurring Marketing Fees
5. Legacy/Inter-Generational
6. Equity Share Program
Infinity Compensation Plan
23. Infinity Compensation Plan
Personal
Producer
• 4 personal Transactions
per month
Be The
Broker/RMD
• 4 personal Transactions
per month
• Build 5 Associates who
produce 4 Transactions
per month
Broker Of
Brokers/RMDs
• Build 5 Brokers With The
Same Production As Your
Brokerage
$80,0001 $280,0002 $575,000
24. Leveraging the Power of the System
You Run the SYSTEM, and the
SYSTEM Runs your Business!
Over 2,500,000 Recruits
Approx. 20,000,000 Sales Transactions
Approx. 4,000 $100k Ring Earners
Approx. 500 $1 Mil Ring Earners
Helped Launch Two (2) Separate
Billion Dollar Companies
Over $2B in Field Payouts
Twice #1 in Industry Sales
Leadership Format System
25. World Class Leadership Team
Steve Gross
CFO - HGI Co-Founder
Hubert Humphrey
HGI Founder & CEO
17-Year career on the railroad
Building Architect of the Largest Financial Services
Marketing Companies
Architect of the Leadership Format System
2013 Entrepreneurship Hall of Fame inductee. 28 other
Inductees including Ted Turner, Bill Gates, Mary Kay
Ash, Truitt Cathy, Oprah Winfrey and Richard Branson
Philanthropist and Community leader, including
serving on the Presidents’ Council at Brigham Young
University (BYU)
Original Board member of the ALW Common
Sense Trust Mutual Fund
Became Board of Director member of mutual
fund families for Morgan Stanley, Van
Kampen and Citigroup
Advisor to the original founders of Home
Depot and Web MD
Former Board member of Web MD
Founder of HLB Gross Collins
26. The Ultimate Marketing Machine
HGI is a hybrid model consisting of:
– HGI is following McDonald’s Success Principles
– Leadership Format System
– Opening Outlets and moving products simultaneously
– HGI is following Walmart’s Success Principles
– Potential participation in Equity Share Plan
– Emphasis on Motivating & Recognizing/Rewarding people
– Diversification without Distraction
– The Power of Leverage without major capital outlay
– Structure and Discipline
– Business-like atmosphere
– Accountability/bottom line Focus
– Leading edge and traditional products
– Professional quality and trained people
– Earn Big money from relatively small team
– Earn living from personal production
The Best of Turnkey Marketing
The Best of Ownership Marketing
The Best of Networking Systems
The Best of the Corporate Systems
The Best of the Agency Systems
27. Building a Culture Of Greatness
“HERO MAKING MACHINE”
Ongoing Contests to Create Excitement
World Class Recognition
Compete for Exotic Trips
Chase Incentives & Promotions
Earn Cash Prizes & Special Awards
Wear HGI Super Bowl Style Rings
Recognition at Regional & National Events
28. The World of HGI
We offer a Risk-free Opportunity.
No Major Investment
No Franchise Fees
No Loss of Job Security
No Experience Required
No Inventory
Unlimited Territory
Unlimited Opportunity
One time fee of $125 plus the cost of a license
Optional Technology packages are available
The HGI Opportunity is for Everyone:
Education - Become A Client
Part-time/Second Income opportunity
Encore Career
Personal Producer
Team Builder
29. The World of HGI
The Time to Act is Now:
Set a follow-up appointment within 24-48
hours to begin your HGI Business and
enhance your family’s financial future.
