This document discusses building and developing a team. It explains that a team is a group working together to achieve common goals, with shared responsibility and different approaches from members. As a team leader, one must train, motivate, and help the team achieve goals by providing necessary resources. The composition of an effective team includes members with high and low experience, from various backgrounds and services. The purpose of a team is to provide financial solutions, help achieve personal goals, generate business, and increase sales and customer networks. Team development requires motivation through goals, incentives, competition, rewards, and building relationships. There are four stages of team development: forming, storming, norming, and performing.