The Worth Account is a financial tool designed to help individuals manage and pay off debt, focusing on clients with existing financial obligations. The program, launched in 2004, utilizes strategies such as accelerated mortgage payoff and strategic debt payoff, and has already attracted over 70,000 users. Clients can benefit from detailed tracking, coaching, and customer support aimed at improving their financial situation and reducing overall interest payments.

2. Why Worth Unlimited???
• The Product
Amazing financial tool
• Target Market
Who has debt???
• Method of Distribution
No selling
• Lucrative Income Stream
Full or part time income from day one

3. Currently
Over 70, 000 clients using the Worth Account
To become DEBT FREE!!!
Realized significance and problem with debt
Launched first version of the Worth Account 2004
Started in the Mortgage industry in 1997
One of Utah’s fastest growing companies in 3 years
Denver Beta Test
400 homeowners test. Average client
20% ahead of schedule
Our Story

4. Moving in the Right Direction

5. 1. Accelerated Mortgage Payoff
2. Strategic Debt Payoff
3. The Worth Account, Coaching
and Education
Three Strategies of The Worth Account

6. $199.10 $1,000.00
Principle Interest Balance Equity Paid
Month 1
Month 2
Year 1
Year 5
Year 10
Year 21
Year 30
$200.10 $999.00
$210.33 $988.77 $197,543 $2,457 $14,389
$267.22 $931.88 $186,108 $13,891 $71,946
$360.44 $838.66 $167,371 $32,628 $143,891
$696.23 $502.89 $100,573 $99,436 $300,947
$431,677
Principal Balance:
Interest Rate:
30 Year:
Monthly Payment:
$200,000
6%
360 Months
$1,199.10

7. $ 1,199 First monthly payment
$ 5,000 Additional principal
$ 6,199 Total first payment
Sending Extra Principal

8. $195,000 New principal loan balance
6% Interest rate
$1,199 Monthly payment
337 Months (eliminated 23 payments)
$231,677 Original interest paid
$203,373 New interest paid
$ 28,304
-$ 5,000 Additional principal payment
$ 23,304 Interest Cancellation
$200,000 Original loan balance
Interest Cancellation

9. • Home Equity Line of Credit
• Personal Line of Credit
• Commercial Line of Credit
• Secured Line of Credit
• Credit Card
Checking and Savings Accounts
Worth Account LOC’s

10. $200,000
LOC
Checking
Savings
Credit Card
Revolving debt
2nd mortgage
Worth Account
$10,000
Mortgage

11. $200,000
Mortgage
$10,000
Funds Transfer: borrow money from your
LOC to pay down your 1st mortgage.
L O C
Funds Transfer: $5000

12. $195,000
Mortgage
$5,000
$200,000
$10,000
Future Mortgage
Interest Cancelled
$23,304
Eliminated
23
Payments

13. $195,000
Mortgage
$5,000
$200,000
$10,000
$5,000
Pay Check
$0

14. $5,000 Monthly “net” income
-$4,000 Living expenses
$1,000 Discretionary income
Monthly Budget

15. Worth Account $3,500
Expenses $4,000
$7,500
Income $5,000
Ending Balance $2,500 $20.83
Starting Balance $2,500
Expenses $4,000
$6,500
Income $5,000
Ending Balance $1,500 $12.50
Month1Month2
Price is based on a percentage of how much
Interest the Worth Account will save you
___________________________________________
Worth Account $750 up to $3,495

16. $34.80
3 month total
$68.13
Reduced mortgage by
18 months
Interest Cancellation
$17,249
Month3
Starting Balance $1,500.00
Expenses $4,000.00
$5,500.00
Income $5,000.00
Ending Balance $ 500.00
Funds Transfer $3,675.77
Ending Balance $4,175.77

17. Principle Interest Balance Remaining
Month 1 $199.10 $1,000.00 $199,800.90 359
Month 2 $200.10 $999.00 $199,600.80 358
Month 3 $201.10 $998.00 $195,723.93 339
Month 4 $220.48 $978.62 $195,503.45 338
$19.38 Principal Jump
Interest Cancellation
$17,249
Reduced mortgage by
18 months
Amortization Schedule

18. Starting Balance $4,175.77
Expenses $4,000.00
$8,175.77
Income $5,000.00
Ending Balance $3,175.77 $26.46
$18.13
Month4Month5
Starting Balance $3,175.77
Expenses $4,000.00
$7,175.77
Income $5,000.00
Ending Balance $2,175.77

19. $34.13
6 month total
$146.85
Month6
Starting Balance $2,175.77
Expenses $4,000.00
$6,175.77
Income $5,000.00
Ending Balance $1,175.77
Funds Transfer $2,920.23
Ending Balance $4,096.00
Interest Cancellation
$12,249
Reduced mortgage by
16 months
Interest Cancellation
$29,523
Reduced mortgage by
37 months

20. Principle Interest Balance Remaining
Month 4 $220.48 $978.62 $195,503.45 338
Month 5 $221.58 $977.52 $195,281.87 337
Month 6 $222.69 $976.41 $192,138.94 323
Month 7 $238.41 $960.39 $191,900.53 322
$15.72 Principal Jump
Reduced mortgage by
37 monthsInterest Cancellation
$29,523
Amortization Schedule

21. Starting Balance $4,096.00
Expenses $4,000.00
$8,096.00
Income $5,000.00
Ending Balance $3,096.00 $25.80
$17.47
Month7Month8
Starting Balance $3,096.00
Expenses $4,000.00
$7,096.00
Income $5,000.00
Ending Balance $2,096.00

22. $33.36
9 month total
$223.48
Starting Balance $2,096.00
Expenses $4,000.00
$6,096.00
Income $5,000.00
Ending Balance $1,096.00
Funds Transfer $2,917.68
Ending Balance $4,013.68
Month9
Interest Cancellation
$11,155
Reduced mortgage by
14 months
Interest Cancellation
$40,678
Reduced mortgage by
42 months

23. Principle Interest Balance Remaining
Month 7 $238.41 $960.69 $191,900.53 322
Month 8 $239.60 $959.50 $191,660.93 321
Month 9 $240.80 $958.30 $188,502.45 309
Month 10 $256.59 $942.51 $188,245.86 308
$15.79 Principal Jump
Reduced mortgage by
42 monthsInterest Cancellation
$40,678
Amortization Schedule

24. Starting Balance $4,013.68
Expenses $4,000.00
$8,013.68
Income $5,000.00
Ending Balance $3,013.68 $25.03
$16.70
Month10Month11
Starting Balance $3,013.68
Expenses $4,000.00
$7,013.68
Income $5,000.00
Ending Balance $2,013.68

25. $32.6812 month total
$297.89
Starting Balance $2,013.68
Expenses $4,000.00
$6,013.68
Income $5,000.00
Ending Balance $1,013.68
Funds Transfer $2,917.67
Ending Balance $3,931.35
Month12
Interest Cancellation
$10,184
Reduced mortgage by
14 months
Interest Cancellation
$50,862
Reduced mortgage by
53 months

26. Principle Interest Balance Remaining
Month 10 $256.59 $942.51 $188,245.86 308
Month 11 $257.87 $941.23 $187,987.99 307
Month 12 $259.16 $939.94 $184,811.16 295
Month 13 $275.04 $924.06 $184,536.12 294
$15.88 Principal Jump
Month 1 $199.10
Month 13 $275.04
$75.94
Interest Cancellation
$50,862
Reduced mortgage by
53 months
Amortization Schedule

27. Loan amount: $200,000
Worth Account Conventional Program
Starting balance $200,000
Balance in 1 year:
10.4 years
$70,422
30 years
$231,677
$200,000
Balance in 5.5 years:
Repayment time
Total interest
paid
Total interest savings:
$161,255
$184,811 $184,752
Balance in 1 year:
$197,543

29. • Live transaction updates
• True Cost
• Simple to update
• Provides tracking tool
• Functions as an account register
• How much money is coming in
• How much money is going out
• Tracks your monthly budget
• Improves your Credit Score
• Includes continuous customer
support, coaching and education
Strategy #1 > Accelerated Mortgage Payoff
The Worth Account Program

30. 1. Accelerated Mortgage Payoff
2. Strategic Debt Payoff
Strategy #2: Strategic Debt Payoff

31. How Would You Pay This Off?
$15,538
8.25%
$233.00
Credit Card
Balance
$4,309
6.125%
$64.64
Furniture
$27,753
6%
$333.06
Trailer Loan
$42,296
6.75%
$748.54
Auto Loan
$226,183
6.5%
$1,453.76
Mortgage $7,753
6.125%
$125.42
ATV Loan
theBANK
Strategy #2 > Strategic Debt Payoff

32. • Amount owed
• Length of debt
• Interest rate
• Calculation of Payment
• Adjusting Rates
Strategic Payoff
Looks at the characteristic’s of each debt
including:

33. LOCChecking
Income
Strategic
Debt Payoff
Debts
Cash Flow - LOC
PAY
FT
Minimum Reserve
Income
Income Income
Optimal transfer point
Critical Level

34. SavingsChecking
Strategic
Debt Payoff
Debts
Cash Flow- Checking and Savings
PAY
FT
Minimum Reserve
Strategic
Allocation
Income
Income High Reserve line
Minimum Reserve
Optimal transfer
point
Strategic
Allocation

35. Continuous Customer Support
Let the WORTH Analysis
Department run a free analysis
1-800-224-1053