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.
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.
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.
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.
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.
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.
WFG Business Opportunity - Presented by MD Julio GerenaJulio Gerena
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.
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 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.
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.
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.
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.
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.
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.
WFG Business Opportunity - Presented by MD Julio GerenaJulio Gerena
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.
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 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.
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.
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.
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.
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.
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.
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 (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.
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.
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.
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.
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.
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.
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 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 provides an overview of indexed universal life (IUL) insurance. It explains that IUL is a type of permanent life insurance that offers the potential for greater interest than traditional universal life due to interest being credited based on the upward movement of a stock market index, up to a cap rate. It also guarantees a minimum 2% interest rate. The document discusses when IUL may be a good choice, the interest crediting options available, and how policyholders can decide factors like coverage amount and premium payments.
This document discusses ensuring financial readiness for retirement and managing medical costs. It begins by asking introductory questions about retirement plans like having $50,000 annual retirement income and being debt free. The document then outlines how to achieve financial freedom and income for retirement, medical coverage, and eliminating debt. It provides statistics on typical savings amounts and retirement outcomes. It also presents strategies for saving money, managing taxes, purchasing a home, and Joe Smart's strategy of using a flexible life insurance policy to pay off his home and receive lifetime retirement income.
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.
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
FreyasKitchen.com is a website dedicated to providing recipes and cooking tips. It offers over 500 recipes that are searchable by ingredient or cuisine. The site also provides cooking videos and articles with advice on cooking techniques, kitchen tools, and meal planning.
This document summarizes 8 foods that aid weight loss and provides details on each food. It discusses eggs, kale, yogurt, dark chocolate, salmon, chicken, cottage cheese, and grapefruit. For each food, it highlights nutritional benefits and cites studies showing how each food can help with weight loss. The document also discusses 7 foods that help sleep, such as yogurt, cherries, turkey, oatmeal, chamomile, lettuce, and 8 superfoods that can be grown at home, including kale, mint, sweet potato, beets, blueberries, chia seeds, tomatoes, and garlic.
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.
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.
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.
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.
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.
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 (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.
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.
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.
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.
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.
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.
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 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 provides an overview of indexed universal life (IUL) insurance. It explains that IUL is a type of permanent life insurance that offers the potential for greater interest than traditional universal life due to interest being credited based on the upward movement of a stock market index, up to a cap rate. It also guarantees a minimum 2% interest rate. The document discusses when IUL may be a good choice, the interest crediting options available, and how policyholders can decide factors like coverage amount and premium payments.
This document discusses ensuring financial readiness for retirement and managing medical costs. It begins by asking introductory questions about retirement plans like having $50,000 annual retirement income and being debt free. The document then outlines how to achieve financial freedom and income for retirement, medical coverage, and eliminating debt. It provides statistics on typical savings amounts and retirement outcomes. It also presents strategies for saving money, managing taxes, purchasing a home, and Joe Smart's strategy of using a flexible life insurance policy to pay off his home and receive lifetime retirement income.
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.
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
FreyasKitchen.com is a website dedicated to providing recipes and cooking tips. It offers over 500 recipes that are searchable by ingredient or cuisine. The site also provides cooking videos and articles with advice on cooking techniques, kitchen tools, and meal planning.
This document summarizes 8 foods that aid weight loss and provides details on each food. It discusses eggs, kale, yogurt, dark chocolate, salmon, chicken, cottage cheese, and grapefruit. For each food, it highlights nutritional benefits and cites studies showing how each food can help with weight loss. The document also discusses 7 foods that help sleep, such as yogurt, cherries, turkey, oatmeal, chamomile, lettuce, and 8 superfoods that can be grown at home, including kale, mint, sweet potato, beets, blueberries, chia seeds, tomatoes, and garlic.
This document discusses feature engineering methods for analyzing demographic and crime data. It introduces several new features calculated from the data, including an ethnic diversity index, voter registration rate, Republican to Democratic ratio, percent of voters with no party preference, and ratio of major to minor crimes. Graphs are generated to explore the distributions of these features and their relationships to annual residential property damage per person. The goal is to help identify meaningful patterns in the data for advocacy efforts.
La Federación Argentina de Entidades Empresarias del Autotransporte de Cargas (FADEEAC) da a conocer su propuesta vehicular para aumentar la carga útil en las unidades de transporte de cargas,
This document provides an overview and recommendations from a project analyzing key factors affecting garbage production rates and making market targeting recommendations. It defines relevant terms and describes the data sources and cleaning process. Exploratory data analysis was conducted on the 2013 data, and additional features were engineered. K-means clustering and decision tree/random forest models were used to identify four clusters and important factors. The document concludes with recommendations for jurisdictions that are good performers.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Exposición sobre el rol del autotransporte de cargas en la economía argentina brindada por Daniel Indart, presidente de la Federación Argentina de Entidades Empresarias del Autotransporte de Cargas (FADEEAC), en el marco del XIII Encuentro de Protagonistas llevado a cabo el jueves 30 de junio de 2016 en el salón Juan Pablo II de la Universidad de Católica Argentina (UCA).
Este documento describe las etapas de la reingeniería. Presenta un resumen de las principales fases del proceso de reingeniería, incluyendo la evaluación del proceso actual, el diseño del proceso futuro y la implementación del nuevo proceso rediseñado.
Megan Taite - Professional Persona Projectmegantaite
Megan Taite is a student pursuing degrees in computer animation and computer science. She has a passion for fantasy architecture and hopes to combine these interests to redesign towns across America. Megan maintains a high GPA and plans to attend an M.Arch program in 2018. She is looking for a mentor to help her learn skills in architectural design.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
This document provides tips for cleaning the oven, pots, and pans using baking soda, hydrogen peroxide, and salt which can help scrub away grime easily. It also recommends cleaning the microwave and provides a website for more cleaning tips.
The document describes an algorithm for estimating the probability distribution of travel demand forecasts that are subject to uncertainty. It involves identifying variables that influence forecast error, determining probability distributions for each variable, defining scenarios that combine the discrete outcomes of each variable, calculating the probability and predicted revenue for each scenario, and plotting the revenue cumulative distribution function. Key variables of uncertainty identified for a toll road project include truck value of time, travel demand, and growth rates of car and truck value of time. Probability distributions assumed for these variables include lognormal, normal, and triangular. The algorithm allows assessment of the uncertainty and risk associated with toll revenue forecasts.
This short document promotes visiting the website freyaskitchen.com for additional content. It repeats the message to visit freyaskitchen.com for more information or resources. The document focuses on driving traffic to the freyaskitchen.com website.
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.
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.
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 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.
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.
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.
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 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.
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.
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.
Virtual Financial is committed to helping families achieve financial security and independence through disciplined money management and successful careers. They offer personalized financial planning services and access to insurance and investment products. Their goal is to educate families on financial literacy and provide solutions to issues like debt, lack of savings, and financial stress. Virtual Financial also aims to help associates build successful virtual businesses through training, marketing support, and a commission structure that pays twice weekly.
Virtual Financial - Your Guide to Your FutureBetty Goodwin
Virtual Financial is committed to helping families achieve financial security and live the lifestyle they desire through disciplined money management and a successful career. They offer financial products and services to help families save, protect assets, and plan for the future. Their business model allows associates to build a virtual business from home providing financial solutions and a strong income. They aim to educate families and help them overcome financial challenges through personalized planning and a blend of insurance and investment products.
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
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.
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.
2. 2
World Financial Group has a mission:
to help people from all walks of life
build a better future.
3. 1
World Financial Group (WFG) has a mission: to help people
from all walks of life build a better future. Through our
business platform, we have removed the barriers that have
kept people from achieving the dream of owning their
own business, and our associates prove each day that, by
helping others achieve their goals, success just happens.
You can be a part of that success. As a WFG associate,
you are in business for yourself, but not by yourself. The
company’s world-class platform offers all the tools and
resources you need to hit the ground running and build
a financial services business that can help change the
futures of thousands of families and generations to come.
This platform, coupled with your willingness to learn and
determination to succeed, can help you start a new career
and own your future.
Start Today
• To begin your career with WFG, simply complete a
WFG Associate Membership Agreement and pay an
administrative fee of $100 (U.S.)/$125 (Canada).*
• WFG is not a franchise and does not charge any franchise
fees. The company’s name and logo are available for you
to use at no cost.
• You set your own goals and your own hours — you are
in control of your business and your time.
• Not sure if WFG is right for you? WFG offers a virtually
risk-free way to change your career and your future. Start
part-time, while keeping the security of your existing job,
to see if a WFG business is right for you.
*In Canada, applicable taxes (HST/GST) apply.
Seize Your Dreams
4. 2
Power In Your Corner
World Financial Group Inc., World Financial Group Canada Inc.
and their affiliates are Transamerica companies. Transamerica
companies offer a wide array of life and health insurance
solutions that can help create better tomorrows by protecting
families and their dreams.
As an independent business owner, you are backed by the
marketing and administrative muscle of WFG’s corporate
offices and the support of experienced field leaders who
have each built his or her own financial services business
from the ground up — all of whom are dedicated to your
success.
Here are some facts about WFG:
• There are more than 38,000 life licensed associates
throughout the United States and Canada1
• Securities and investment advisory services in the United
States are offered through Transamerica Financial Advisors,
Inc., Transamerica Financial Group Division
• Mutual funds are offered in Canada through
WFG Securities Inc.
• Insurance products in the United States are offered
through World Financial Group Insurance Agency, Inc. and
its subsidiaries and, in Canada, life insurance is offered
through World Financial Group Insurance Agency of
Canada Inc.
• Affiliated companies have agreements with many
well-known insurance and financial services companies
5. 3
Strength on Your Side
WFG associates have access to products and services from many well-known product providers that they
can present to clients. By maintaining selling agreements with numerous financial services companies
through WFG’s affiliates, you, as a licenced WFG associate, offer your clients the power of choice, which
allows you to find appropriate products for your clients’ needs.2
These providers are not only dedicated
to your client’s success but to your success, as well, by offering support, materials and training to help
you build your business.
Here are just a few of the companies on your team:3
United States
Canada
5, 6
4, 5
4, 5
4, 5
4, 5
4, 5
5, 6
4, 5
4, 5
5, 6
5, 6 5, 6
6. 4
When investing, there are certain risks, fees and charges, and limitations that one must take into consideration.
The WFG Financial Needs Analysis7
WFG associates offer their clients a professional and complimentary Financial Needs Analysis (FNA),
which is the first step in helping to identify the core components of a client’s financial health. Following
are some key areas that an FNA can help to identify:
Helping people is at the heart of what WFG
associates do every day. Even in this time of
unprecedented access to information, there remains
a lack of financial knowledge among individuals
and families. However, WFG associates are ready
to provide the tools and guidance needed to help
clients make informed financial choices and meet
their goals.
As a WFG associate, you will help your clients
understand fundamental financial concepts that give
them the foundation to create a sound strategy.
You can help clients create a better tomorrow for
themselves and their loved ones.
Better Tomorrows
Start Here
Build Wealth
• Strive to outpace inflation reduce taxes
• Professional money management
Proper Protection
• Protect against loss of income
• Protect family assets
Debt Management
• Consolidate debt
• Strive to eliminate debt
Emergency Fund
• Save 3-6 months’ income
• Prepare for unexpected expenses
Cash Flow
• Earn additional income
• Manage expenses
Preserve Wealth
• Reduce taxation
• Build a family legacy
When investing, there are certain risks, fees and charges, and limitations that one must take into consideration.
8. 6
WFG associates are ready to provide
the tools and guidance needed to help
clients make informed financial choices
and meet their goals.
9. 7
Older
Generally More Secure
Younger
Generally Less Secure
Responsi
bility
W
ealth
Decre
asing
Build
ing
Decreasing
Responsibility
Building Wealth
This graphic shows that,
in general, when a person
is young, he/she has many
responsibilities and is only
in the beginning stages
of building wealth. And
conversely, as the person
grows older, he/she has
fewer responsibilities and
has probably accumulated
more wealth.
Compound Interest: The Rule of 72**
The Rule of 72 concept states that by dividing the number 72 by the rate of return being earned will
provide the approximate number of years for the original investment to double. The hypothetical
example below shows how an initial $10,000 investment grows over time at a steady 8% rate of return.
For example, the Rule of 72 tells us that
an investment earning a constant 8% rate
of return should double approximately
every 9 years.
So, if you made a $10,000
investment at age 29,
with an 8% rate of return,
it should grow to about
$160,000 by age 65.
$20k
$40k
$80k
$160k
** 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
compounded over time. All figures are for illustrative purposes only, and do not reflect the risks, expenses or charges associated with an actual
investment. The rate of return 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. Results are rounded for illustrative purposes.
10. 8
The WFG Business System
One of the most powerful resources the
company offers is the WFG System Manual,8
which provides a step-by-step process to
help you build and continually grow your
business. The WFG System Manual offers vital
information, including how to:
• Build a strong WFG business
• Grow a client base
• Bring new associates into the business
• Mentor and train new associates
• Develop a plan for success
The WFG
System
Manual
A Transamerica Company
WFG offers leading-edge
support and services to
make your business strong
Building a Better
Business
WFG offers a dynamic business platform to
help you build your financial services business.
The company offers support and services to
make your business strong, so you do not just
survive in this business, you prosper.
11. 9
Back Office Support
The employees at the home offices in Johns Creek,
Georgia and Toronto, Ontario go to work each day
with one goal in mind: to help you build a successful
financial services business. The home offices offer:
• Licensing and commissions support
• Provider relationship development
• Technology solutions
• Professional marketing materials for use with
clients and prospective associates
• MyWFG.com: The associate intranet that offers
24-hour access to business reports, commission
statements, updated product and provider
information, the latest company news and more
Training Events
WFG, its affiliated companies, and product providers
offer access to comprehensive training and educational
programs to help you obtain licenses, get your
businesses up and running quickly, and keep up-to-date
on the latest industry trends, product information and
more. Additionally, company events, such as the annual
convention, offer associates the chance to attend
informative workshops and meetings, visit with product
provider representatives and learn techniques to build a
better business.
Expand Your Business
In the United States, an associate can become a
registered representative with WFG’s affiliate
broker-dealer, Transamerica Financial Advisors, Inc.,
Transamerica Financial Group Division and offer
securities products and services. Additionally, once
properly licensed, an associate also can offer
investment advisory services through the firm. In
Canada, a properly licensed WFG associate can be a
representative of WFG Securities Inc. and offer mutual
funds to their clients.
12. 10
Recognizing Your
Achievements
Many people find reward enough in helping
families achieve a more sound financial future.
However, WFG goes above and beyond to
recognize and award its associates for their
initiative, determination and dedication.9
Here
are just a few ways you can be rewarded.
13. 11
Success Society $100,000 Ring Club
Honoring the company’s rising stars, associates who become
members of WFG’s Success Society receive a custom watch with the
WFG logo on its face.
As a WFG $100,000 Ring Club member, you are recognized with
a unique ring with a blue center stone. Diamonds are added to
the ring with each additional $100,000 earned in a consecutive
12-month period. The blue center stone can be exchanged with
different color center stones that signify higher cash flow levels.
Millionaire Hall of Fame
The Millionaire Hall of Fame honors WFG’s top leaders who earn a
rolling 12-month cash flow of $1 million or more. Leaders inducted
into this elite group qualify for additional diamonds and new center
stones for their rings as well as a custom portrait displayed at the
World Financial Group headquarters in Johns Creek.
Reward Trips
WFG’s exciting reward trips offer an amazing chance to see
beautiful locations and enjoy the elegant amenities offered by some
of the world’s finest hotels. Unforgettable scenery and beaches
await those who qualify for an escape to paradise, a reward trip to
the exotic islands of Hawaii. An international destination welcomes
the qualifiers of Odyssey — the ultimate reward trip that offers
once-in-a-lifetime opportunities for fun, excitement and adventure
in unique destinations around the globe.
14. 12
Fradel Barber
Brooklyn, NY
Previous Career:
Fashion Design Student
Jeff Marcy
Blochowiak
Atlanta, GA
Previous Career:
UPS Box Loader
Philip Jeng Boyles
Las Vegas, NV
Previous Career:
Registered Nurse
Businessman
Robin Bundy
Las Vegas, NV
Previous Career:
Railroad Conductor
Alec Chan
San Gabriel, CA
Previous Career:
Engineering
John Rudith Cordero
Burlingame, CA
Previous Career:
Healthcare Sales
Rich Tracie
Cunningham
West Jordan, UT
Previous Career:
Mining Mechanic
Nita Dalal
Norcross, GA
Previous Career:
Bank Teller
Rob Tiffani Day
Houston, TX
Previous Career:
Sales
Jun Joyce Dela Cruz
Anaheim, CA
Previous Career:
Real Estate Broker
Dan Christine
Charlier
Pomona, CA
Previous Career:
U.S. Marine Corps
Connie Chen
Victor Yue
Sunnyvale, CA
Previous Career:
Researcher
Scott Childress
Atlanta, GA
Previous Career:
Financial Planner
Pai-Yen Chung
Eileen T. Huynh
New York, NY
Previous Career:
Engineer
Erich Jean Colet
Alviso, CA
Previous Career:
Technician
Everyday People,
Extraordinary Businesses
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 from all walks of life
who have built extraordinary businesses by using the WFG
platform to help others achieve financial peace of mind.
15. 13
Nelia Cary
Destacamento
Hamilton, ON
Previous Career:
Accountant
Dave Kamal Dhaliwal
Edmonton, AB
Previous Career:
Realtor
Raja Jaswinder
Dhaliwal
Edmonton, AB
Previous Career:
Cab Owner
Chris Marlow Felton
Greenwood Village, CO
Previous Career:
CPA
Deron Debbie Ferrell
Austin, TX
Previous Career:
Waiter
Arlex Gloria Flores
Houston, TX
Previous Career:
Debt Collector
Angelica
Guillermo Haro
Pomono, CA
Previous Career:
Mortgage Loan Officer
Paul Gabriela Hart
San Jose, CA
Previous Career:
Mechanic
Quy Hoang
Houton, TX
Previous Career:
Business Owner
Si TamDan Hoang
McLean, VA
Previous Career:
Engineer College
Professor
Judith Hsiao
Alviso, CA
Previous Career:
Financial Services
Juan Veronica Jaime
San Jose, CA
Previous Career:
Plumber
Greg Tina Kapp
Madison, WI
Previous Career:
Postal Worker
Dana Frank
Lagattuta
Agoura Hills, CA
Previous Career:
Manager, Insurance Co.
Simon Lam
Leman Le
San Jose, CA
Previous Career:
Design Engineer
“If your actions inspire others to dream more, learn more,
do more and become more, you are a leader.”
– John Quincy Adams
16. 14
Kimmy Le
Houston, TX
Previous Career:
Restaurant Manager
Tuan Mina Le
San Diego, CA
Previous Career:
Electrical Engineer
Nick Michelle Lee
North York, ON
Previous Career:
Systems Analyst
Jeff Cam Levitan
Cumming, GA
Previous Career:
PC Insurance Sales
David Victoria
Limpert
Calgary, AB
Previous Career:
Farmer Construction
Sandy Liu
Run Chang He
Burlingame, CA
Previous Career:
Business Owner
Brian Mary Loiseau
Denver, CO
Previous Career:
CPA
Jerry Beth Ma
West Covina, CA
Previous Career:
Controller
Tom Cindy Mathews
Duluth, GA
Previous Career:
Accounting
Jonathan Mehrian
Los Angeles, CA
Previous Career:
Martial Arts Instructor
Yvonne Mei
Chun Ya Chen
Alviso, CA
Previous Career:
Flight Attendant
Carl Meldrum
Nanaimo, BC
Previous Career:
Financial Services
Norm Meldrum
Calgary, AB
Previous Career:
Financial Services
Elan Dina Michael
Encino, CA
Previous Career:
Insurance Agent
Corey Bethany
Michaud
Calgary, AB
Previous Career:
Banking Services
“I just wish people would realize that anything is possible if
you try. Dreams are made if people try.”
– Nulla facilisi.
17. 15
Chito Sheila Roxas
Burlingame, CA
Previous Career:
Food Services Director
Saeid Zahra
Salimian Rizi
Richmond Hill, ON
Previous Career:
Mechanical Engineer
Victor Joyce Salvador
Park Ridge, IL
Previous Career:
Structural Engineer
Rocky Miranda Shi
Rockville, MD
Previous Career:
Software Engineer
Zhong Shi Xiao Lin
Alviso, CA
Previous Career:
Engineer
Réal Claudette
Michaud
Edmonton, AB
Previous Career:
Jewelry Store Owner
Jeff Debbie Miles
Farmington, UT
Previous Career:
Construction
Agnes Miranda
Concord, ON
Previous Career:
Financial Services
Bill Peggy Mitchell
Cincinnati, OH
Previous Career:
Engineering Financial
Services
Alicia Nguyen
Alviso, CA
Previous Career:
Student
Andy Linh Nguyen
Rockville, MD
Previous Career:
Software Engineer
Manager
J.B. Nguyen Thuy Luu
Houston, TX
Previous Career:
Musician Business
Owner
Micky Nguyen
Linh Truong
Virginia Beach, VA
Previous Career:
Engineering
Xuan Hoa Nguyen
Alviso, CA
Previous Career:
Social Work
Vivian Louie Olero
Alviso, CA
Previous Career:
Software Engineer
Eric J. Olson
San Jose, CA
Previous Career:
Student/Athlete
Penney Ooi
Benjamin Eeo
Pleasanton, CA
Previous Career:
Loan Officer
Bryce Maryan
Peterson
West Jordan, UT
Previous Career:
Financial Services
John Amy Pham
Anaheim, CA
Previous Career:
Design Engineer
Howard Qu
City of Industry, CA
Previous Career:
Physician
18. 16
John Arlene Shin
Woodland Hills, CA
Previous Career:
Real Estate
Greg Sorensen
San Jose, CA
Previous Career:
Q.A. Manager
Gregg Andrea
Strynadka
Edmonton, AB
Previous Career:
Franchise Owner
Harinder Jagjot
Sukhija
Surrey, BC
Previous Career:
Power Cable
Manufacturing
Teresa Tang-Wong
Jack Wong
Richmond Hill, ON
Previous Career:
Financial Services
Michelle Tian
New York, NY
Previous Career:
University Lecturer
Jeff Chrissy Tsao
West Covina, CA
Previous Career:
Student
Shawn Jaime
Villalovos
Agoura Hills, CA
Previous Career:
Health Club Manager
Kathryn Wang
Daning Wu
Burlingame, CA
Previous Career:
Computer Sales/
Special Ed. Teacher
John Julie Woo
Los Angeles, CA
Previous Career:
Hotel Restaurant
Manager
Wan Lucy Yang
New York, NY
Previous Career:
University Lecturer
Liz Rudy Zetazate
Toronto, ON
Previous Career:
Financial Services
Jan Zhuang JP Lou
Piscataway, NJ
Previous Career:
Ph.D. Student
Xuli Zong
Ningping Dong
Flushing, NY
Previous Career:
Software Engineer
19. 17
Own Your Future
At World Financial Group, you can create a career and
lifestyle where you are in control. While helping others
better their lives and own their futures, you are doing
the same for yourself and your family.
As a WFG associate, you are:
• Your own boss
• In charge of your career and your financial future
• Able to set your own schedule, determining the
hours you work and when you can spend time with
friends and family
• Building your business as large as you want based on
your personal drive for results
Take advantage of our revolutionary business platform,
and take charge of your life.