Synergy Financial Partners BPM

The Financial Solutions
Company

SynergyFinancialPartners.com

2

We find most people fall into at least
one or two of these three categories
once they hear our story:
1.

1.

Business Owner
They see the full potential of the business opportunity and
want to transition to a full-time career as a SFP business
owner as soon as possible.

2.


Self-Employed/Dual Career
They get excited about working with SFP to build a
tremendous second income business, or they want to build a
powerful "Plan B" for down the road.

Client
The timing to get involved in the business is not right for
them, but they see the power of the products and services we
offer and they want a better financial plan for the future.

3

MISSION
To change the way Americans
plan for their financial future.
VISION
To build the world’s BEST
consumer financial education
and empowerment company.


4

Why SFP is Perfectly Positioned to Make
Business History…
Current State of the Economy

THE
PERFECT
STORM

•
•
•
•
•

•

Taxes
National Debt
Financial Markets
Volatility
Avg. US Savings Rates at All-time Lows
— 1971: 11.75%
— 2010: 2.15%
Greatest Wealth Transference in History Over
the Next 20 Years

Financial Services & Insurance
Industries
•
•


•
•

2 – Trillion Dollar Industries
Products & Solutions vs Productions &
Solutions
Distribution is the Worst Ever
Middle America is Grossly Neglected

5
THE
PERFECT
STORM

Why SFP is Perfectly Positioned to Make
Business History…
Leadership
•
•
•
•

Business
School
Religious Organizations
Athletic Teams


•

Timing is EVERYTHING

System

People
•
•
•
•
•

Timing

Coachable
Smart
Ambitious
Great Work Ethic
Culture that Breeds Success

•
•
•
•
•
•
•
•

Franchise-Like
Scalable
Proven
Predictable
Profitable
Leverage
Residual Income
Self-sustaining

6
Here is one of the most profound statements ever made…
THE
SOLUTION

When the problem is big enough, and the solution is
big enough, a HUGE opportunity exists for those who
are willing to put in the effort to make a difference!

Now lets explore…
•
•
•
•

The Problem
The Solution
The Opportunity
How it can work for you.

7

The American Family is in Financial Distress…
•

The last decade has been extremely tough for many
Americans. From 2003 through 2012, 22.1
million1 American homes fell into foreclosure2,
while over 11.7 million Americans filed
for bankruptcies. 3

•

American households' median net worth fell a
whopping 38.8% between 2007 and 2010.4

•

In 2010, ownership of personal life insurance hit a
50-year low. Over 35 million Americans and 30%
of households are not covered by a life insurance
policy.5

THE
PROBLEM

1 Includes

projections for year 2012.
statisticbrain.com/home-forclosure-statistics/
3 Source: USCourts.gov
4 FoxBusiness.com Mon., Sept. 12, 2011
5 LIMRA Aug. 2010
2 Source:


8
THE
PROBLEM

Critical and chronic illness is also dramatically
effecting many Americans
Heart Attack
•

About every 34 seconds, someone in the United
States has a myocardial infarction (heart attack).1

Stroke
•

On average, a stroke occurs every 40 seconds.2

Cancer
•
•


A new cancer is diagnosed every 30 seconds in the
United States.3
1 in 2 men and women will be diagnosed with
cancer in their lifetime.4

1.―About Heart Attacks‖ AHA 6/12/11.
http://www.heat.org/HEARTORG/Con
ditions/HeartAttack/AboutHeartAttack
s/About-HeartAttacks_UCM_002038_Article.jsp (24
April 2012)
2.―Impact of Stroke‖ American Stroke
Association 18 April 2012
http://www.strokeassociation.org/STR
OKEORG/AboutStroke/Impact-ofStroke_UCM_310728_Article.jsp (24
April 2012)
3.―Cancer Facts & the War on
Cancer‖ National Cancer Institute.
2012.
http://training.seer.cancer.gov/diseas
e/war/ (24 April 2012)
4.―SEER Stat Fact Sheets:
http://seer.cancer.gov/statfacts/html/a
ll.html (25 April 2012)

9
THE
PROBLEM

Chance of Physical Survival
Heart Attack
Stroke
Breast Cancer
Prostate Cancer

60%
70%
87%
98%

Chance of Financial Survival
•

Nearly half of people whose families have been
affected by cancer say the costs of cancer care were
a burden on their family, including one in six who
say such costs were a MAJOR burden.2

•
•

The cost of a severe heart attack – including direct
and indirect costs – is about One Million Dollars.3
1.5 Million Americans will declare bankruptcy this
year and 60% are due to medical bills.4

1.―Critical Illness Statistics‖ Pinney
Insurance Carrier, 2012
http://www.pineyinsurance.com/critic
al-illness/statistics.php (13 April 2012
2.―National Survey of Households
Affected by Cancer‖ USA
Today/KFF/Harvard School of Pub.
Health, November 2006.
http://www.kff.org/kaiserpolls/upload/
7591.pdf (13 April 2012)
3.Shaw LJ, Merz CNB, Pepine CJ. Et
al. The Economic Burden of Angina
in Women with Suspected Ischemic
Heart Disease: Results from the
National Institutes of Health National
Heart, Lung and Blood InstituteSponsored Women’s Ischemia
Syndrome Evaluation. Circulation,
August 29, 2006; 114(9):894-904
3. ―The Real Risk That You’ll Have a
Critical Illness‖ Facts about Critical
Illness Insurance Coverage and
Costs, 2012
http://www.criticalillnessinsuranceinfo
.org/ (13 April 2012).

10

And the Retirement front is just as bleak…
For every 100 people who are, or would have been, age 65 today,
here is what has happened-

THE
PROBLEM

Have annual incomes
under $10,000
Have annual
incomes between
$10,000 $50,000

19
54

16
11

Have passed away

Have annual incomes
under $50,000

American’s have to change the way they plan… before its too late.

11
THE
PROBLEM

Americans Face 5 Huge Obstacles to Wealth
& Financial Peace of Mind
Time

Taxes

Inflation

Investment
Losses

Critical
and/or

Chronic
Illness

12
We said earlier…
THE
PROBLEM

are willing to put in the effort to make a difference

So…..

Is the problem big enough?
Now lets see if the solution is big enough…

13
THE
SOLUTION

Synergy Financial Partners is 100% committed to
changing the way American’s plan for the future.
Our Proprietary “Financial Blueprint” Needs Analysis is based
on the 6 Steps to Financial Security
1. Create an Emergency Fund
3-6 months of living expenses
2. Eliminate Debt
Payoff Credit Cards and eliminate Installment Debt
3. Ensure Proper Protection
Life, Health, Disability and Long Term Care
4. Save for Retirement
Safe Money Strategies to maximize retirement, minimize risk with the most tax
advantages
5. Proper Estate Planning
Wills, Trust, other final disposition documents


6. Increase Cash Flow
Start a part time business to build an additional income stream for your family

14

Financial Blueprint

Financial
Security

How the process works…

THE
SOLUTION
STEP
STEP
STEP
STEP

1

2

Develop a
Plan

3

Take
Action

4

Review
and
Update
Plan
Regularly

Set
Financial
Goals


Synergy Financial Partners is an Independent financial marketing organization we do not provide legal or tax advice we encourage you to
seek professional legal and professional tax advice prior to making any financial decisions.

15

How Money Works

Compound Interest — The Rule of 72
THE
SOLUTION

Simply divide the number 72 by your expected rate of return to determine the number of
years it will take your money to double:

Age

4%

Age

6%

Age

8%

Age

12%

29

$10,000

29

$10,000

29

$10,000

29

$10,000

47

$20,000

41

$20,000

38

$20,000

35

$20,000

65

$40,000

53

$40,000

47

$40,000

41

$40,000

65

$80,000

56

$80,000

47

$80,000

65

$160,000

53

$160,000

59

$320,000

65

$640,000

Doubles in 18 years

Doubles in 12 years

Doubles in 9 years

Doubles in 6 years

“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!” - Albert Einstein

16

Taxable

Tax-Free

Capital Gains Tax

Ordinary Income Tax

Stocks
Mutual Funds
Real Estate

Municipal Bonds

Wages
Tax-Qualified Plans

Life Insurance

Roth IRA

THE
SOLUTION

Smart $ List

1.
2.
3.
4.

Free Money
Tax-Free Money
Tax-Deferred Money
Taxable Money

Tax-Free

Tax-Deferred

100%
Taxed As
Income

Taxed

0%

$0 Tax

Tax


$0 Tax

Taxed

17
THE
SOLUTION

Look at the Effect of Taxation on Money
Double $1 for 20 years
Year 1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19

$2
$4
$8
$16
$32
$64
$128
$256
$512
$1,024
$2,048
$4,096
$8,192
$16,384
$32,768
$65,536
$131,072
$262,144
$524,288

20

$1,048,576

Year 1
$1.72
2
$2.96
3
$5.09
4
$8.75
5
$15.05
6
$25.89
7
$44.53
8
$76.60
9
$131.75
10
$226.61
11
$389.77
12
$670.41
13
$1,153.11
14
$1,983.34
15
$3,411.35
16
$5,867.53
17
$10,092.15
18
$17,358.49
19
$29,856.61


20

$51,353

28%
Tax Bracket

18

Safe Money Strategies to Build Wealth

•

Did you lose any net worth over the last 10 years?
How much of your retirement assets are you
comfortable losing?

•


•
•

THE
SOLUTION

Are your current retirement assets at risk for loss?

Are you aware that there is tremendous “Safe
Money” deposit and other wealth building products
available that most people don’t take advantage of?

This is a hypothetical scenario for illustrative purposes only and does not reflect
an actual investment in any product. It does not reflect the performance risks,
expenses or charges associated with any actual investment. It should not be
viewed as an indication of performance for any particular investment. Past
performance is not an indication of future performance. Tax/legal advice is not
offered by or through Synergy Financial Partners or any affiliated companies and
recommends consultation with the appropriate professional.

19
THE
SOLUTION

Protection & Potential
Many people sacrifice return for safety, and other people sacrifice safety for return.
Indexing brings together the best of both worlds. Realize gains without ever taking
a loss!

$100,000 Invested in 1997
$240,000
$230,000
$220,000
$210,000
$200,000
$190,000
$180,000
$170,000
$160,000
$150,000
$140,000

$232,341

$217,417

$185,588
$166,359 $166,359
$155,476
$149,937
$139,237

$130,000
$120,000
$110,000
$100,000

$90,000

$122,504
$117,435

$150,073
$140,255
$131,080
$122,504

$152,488

$146,662

$137,430
$134,631
$133,977
$129,330

$114,490 $126,925 $122,504
$107,000

$166,359

$117.150

$115,449
$103,775

$105,012

$95,529
8/1997 8/1998 8/1999 8/2000 8/2001 8/2002 8/2003 8/2004 8/2005 8/2006 8/2007 8/2008 8/2009 8/2010 8/2011 8/2012

Large Company Stocks

Indexed Account

This is a hypothetical scenario for illustrative purposes only and does not reflect an actual investment in any product. It does not reflect the
performance risks, expenses or charges associated with any actual investment. It should not be viewed as an indication of performance for any
particular investment. Past performance is not an indication of future performance. Tax/legal advice is not offered by or through Synergy Financial
Partners or any affiliated companies and recommends consultation with the appropriate professional.

20

The Power of No Losses

Year

S&P 500
Annual
Return

2000

-9.11%

$

2001

-11.98%

2002

Cap

Floor

Adjusted
Return

908.90

13%

0%

0.00%

$

1,000.00

$

800.83

13%

0%

0.00%

$

1,000.00

-22.27%

$

622.49

13%

0%

0.00%

$

1,000.00

2003

28.72%

$

801.27

13%

0%

13.00%

$

1,130.00

2004

10.82%

$

887.97

13%

0%

10.82%

$

1,252.27

2005

4.79%

$

930.50

13%

0%

4.79%

$

1,312.25

2006

15.74%

$

1,076.96

13%

0%

13.00%

$

1,482.84

2007

5.46%

$

1,135.76

13%

0%

5.46%

$

1,563.80

2008

-37.22%

$

713.03

13%

0%

0.00%

$

1,563.80

2009

27.11%

$

906.33

13%

0%

13.00%

$

1,767.09

2010

THE
SOLUTION

Value of
$1,000

Value of
$1,000

14.87%

$

1,041.10

13%

0%

13.00%

$

1,996.81

**Past performance is not indicative of future returns.



21

What if you could find a product that had all of
these benefits?
•

Protects your savings from market loss, while
providing for upside potential that puts compound
interest to work for you.
Maximizes use of tax-advantaged savings and
income opportunities.

•

Allows access to those benefits in the case of
chronic or terminal illnesses.

•


•

•

THE
SOLUTION

Protects your family if you die or become disabled.

Options for guaranteed income**

*This is hypothetical scenario is based on the performance of a leading Indexed Universal
Life Insurance (IUL) product.
**Guarantees are dependent on the claims-paying ability of the issuing company.

23
THE
SOLUTION


The Power of Living Benefits

22

Indexed Universal Life…

THE
SOLUTION

What a revolutionary solution:
• Death Protection
• Powerful Living Benefits
• Tax-Free Savings

Insurance you don’t have to DIE to use…

…all in one solution!

Disability
Income
Money to help pay
your bills


This is a hypothetical scenario for illustrative
purposes only and does not reflect an actual
investment in any product. It does not reflect the
performance risks, expenses or charges associated
with any actual investment. It should not be viewed
as an indication of performance for any particular
investment. Past performance is not an indication of
future performance. Tax/legal advice is not offered
by or through Synergy Financial Partners or any
affiliated companies and recommends consultation
with the appropriate professional.

Accelerated
Living Benefits
Chronic, Critical or
Terminal Illness
Riders

Retirement
Income
Money for a secure
retirement

Life
Insurance
Money for your
family

24
THE
SOLUTION


Get More Retirement Income Without Adding
More Risk

25
THE
SOLUTION

The Tale of Two Brothers
The Tale of Two Brothers illustrates the
difference between the old way of
thinking and the new way.
•

Both brothers are 35 years-old and save the same
amount of money each year. Both are earning
$70,000.00 per year.

•

Both brothers are earning the same 8% rate of
return over a 30 year period of time.

•

Both brothers plan to retire at age 65 - The only
difference is Brother New Way is paying taxes on
his seed- using after tax dollars to fund his IUL,
while Brother Old Way is paying taxes on his
harvest – 401(k) savings with pre-tax income.


26

Brother Old Way

Brother New Way

Invested in a 401(k)

Indexed Universal Life

Pays $680 annual premium for a $600,000
30-year Term Insurance Policy

$0 contributions to 401(k)
$0 employer match
$7,200 annual premium
Permanent Protection IUL
Initial Death Benefit of $600,000

Fully taxable at retirement.
Subject to Market Risk.
Subject to large, UNDISCLOSED fees.
No use or control prior to age 59 1/2
without penalty.
X 98% chance he will not use his term
policy.

THE
SOLUTION

Contributed $6,520 to 401(k) plus $1,050
employer match

 Provides 100% Tax-Free retirement
income & Living Benefits.
 Zero Market Risk.
 Virtually no limits on contributions.
 Complete Use and Control over his
money.
 Permanent protection to age 120.

X
X
X
X


27
THE
SOLUTION

30 Years Later…

Brother Old Way

Brother New Way



$858,000 balance in 401(k)

$709,000 Cash Value in IUL

No more Term Insurance; Will cost him
$12,000 to replace… IF he can qualify
medically

$864,000 Death Benefit to pass on to his
family 100% completely Tax-Free

$65,000 cumulative tax savings over the 30
years

$0 cumulative tax savings during
accumulation phase

Which would you rather have? $858,000 or $709,000?
But remember, it’s not what you make that counts,
its what you keep!

28

The Income Phase

Brother Old Way

•
•
•

Brother New Way


THE
SOLUTION


$97,000 Annual Income
Costs him $129,334 from 401(k) to net
the $97K Income
Paid $32,334 taxes @ a 25% rate

In 9 years at age 74, Brother Old Way runs
out of money and has paid over $291,000.00
in taxes when he needed his money the most
during his retirement!

•
•
•

$97,000 Annual Income
Costs him $97,000 Tax Free via loans
from his IUL
Paid $0 Taxes

If client dies at age 100, he would have
received that $97,000.00 for 35 YEARS =
$3,395,000 AND his family is left with
$3,036,000.00 all Income tax fee!

Now which plan would you choose the “Old Way” or the “New Way”?

29
Lets go back to our statement again…
THE
SOLUTION


Is the solution big enough?


Now we know for a fact that a
TRUE OPPORTUNITY EXISTS!
Lets explore how it can work for you.

30
THE
OPPORTUNITY

Keys to a Successful Business
Time
Leveraging

•
•


OPE
OPM

Residual
Income

Employee B usiness
Owner
Self
Employed Investor

SelfSustaining

•
•

Right People
Right System

31

Community Commerce –vs- Traditional Business
and Franchising
Three Life-Changing Options:

THE
OPPORTUNITY
Community
Commerce “gives
people the
opportunity, with
very low risk and
very low financial
commitment, to
build their own
income-generating
asset and acquire
great wealth”
Robert T. Kiyosaki,
Entrepreneur and
Author


•

Start Your Own Business
— Need idea, time and money

•

Own a Franchise
— $100,000+ to get started

•

Build An SFP Business
— Ready to go!
— No-risk – a proven opportunity
— Proven turn-key system
— Nationwide opportunity
— Less than $500 to get started

32
THE
OPPORTUNITY

SFP is aggressively seeking the following people

Coachable
Ambitious
Have a great work ethic
Desire to make a difference
Want a better quality of life
Center of Influence


33
THE
OPPORTUNITY

World-Class Support
Synergy Financial Partners offers you
World-Class Support to Help you Build
your Business such as:
•
•

Experienced Leadership

•

World-Class Mentorship & Training

•

Dynamic Promotion & Compensation Plan

•

Cutting-Edge Marketing Tools

•

Industry Leading Product Provider Companies

•

State-of-the-Art Web & Social Media
Presence

•

Comprehensive Reporting System

•

SFP Synergy Format System

And much more…

34
THE
OPPORTUNITY

What could your family do with an additional
$2,000 -$3,000/month
•

Pay off bills

•

Save for retirement

•

Save for your children’s education

•

Have peace of mind

SFP has one of the best parttime/second income opportunities
available today

The Synergy Financial Partners
(SFP) Compensation System &
Promotion Guidelines are subject to
change at any time without prior
notice. A SFP Associate must hold all
necessary licenses, appointments
and registrations in order to receive
any compensation. Income is earned
from the sales of Synergy Financial
Partners authorized products and
services. No income is earned for
recruiting.
Many people have experienced
different levels of success with
Synergy Financial Partners and
individual member experiences may
vary. This statement is not intended
to, nor does it represent , any current
SFP Associate’s individual results
may or will achieve. Commission
amount may vary based on product
type and size of purchase. This is a
hypothetical scenario for illustrative
purposes only based on a $2,400
target premium. There is no
assurance that these results can or
will be achieved.

35
THE
OPPORTUNITY

SFP Part Time Opportunity
You
Help 4 Families per
Average Client:

month

$200 per month

200 x 12 months =

$2,400

$2,400 x 4 Clients = $9,600
$9,600 x 40% Contract =
$3,840 per month OR
$46,080 a year

Part-time!

recruiting.
will be achieved.

36

SFP Hybrid Compensation Model
You

4 Families @ $2,400 each = $9,600
$9,600 x 60% contract =
$5,760

THE
OPPORTUNITY
5 Team
Associates

2 Families each = 10
10 x $2,400 = $24,000
$24,000 x 20% Override = $4,800

You


$5,760 personal production
+ $4,800 in overrides
$10,560 per month OR
$126,720 a year from a relatively small team!

The Synergy Financial Partners (SFP) Compensation System & Promotion Guidelines are subject to change at any time without prior notice. A SFP
Associate must hold all necessary licenses, appointments and registrations in order to receive any compensation. Income is earned from the sales of
Synergy Financial Partners authorized products and services. No income is earned for recruiting.
Many people have experienced different levels of success with Synergy Financial Partners and individual member experiences may vary. This
statement is not intended to, nor does it represent , any current SFP Associate’s individual results may or will achieve. Commission amount may vary
based on product type and size of purchase. This is a hypothetical scenario for illustrative purposes only based on a $2,400 target premium. There is
no assurance that these results can or will be achieved.

37

SFP Hybrid Compensation Model
You

4 Families @ $2,400 each = $9,600
$9,600 x 60% contract =
$5,760

THE
OPPORTUNITY
5 Direct
Associates

2 Families each = 10
10 x $2,400 = $24,000
$24,000 x 20% Override = $4,800

5 Additional
Team
Members

You


1 Family each = 25
25 x $2,400 = $60,000
$60,000 x 20% Override = $12,000

$5,760 personal production
$4,800 in overrides
+ $12,000 additional overrides

$23,520 per month OR
$282,240 a year!

recruiting.
will be achieved.

38
THE
OPPORTUNITY


World Class Recognition & Rewards
You can not only earn huge financial rewards with SFP, but you can
also be recognized and rewarded with the best the world has to offer.

39
THE
OPPORTUNITY


So…
•

•

Is the solution big enough?

•

Is the opportunity big enough?

•

Is the problem big enough?

Are you willing to put forth the effort to make a
difference and take full advantage of this opportunity?

40

The Next Steps
•

Set a follow-up appointment with us in
the next 24-48 hours.

•

With your leaders help, start building
your SFP business right away.

•

Get your free Financial Blueprint done
to find out how our concepts and
products can help meet your financial
goals and dreams.

THE
OPPORTUNITY

Don’t delay…take full advantage of this
exciting opportunity and take control
your financial future forever!

The Financial Solutions Company

Synergy Financial Partners (SFP) is an independent financial services marketing company dedicated to
changing the way American’s plan for the future.
SFP’s independent Associates market a variety of insurance products and financial services and are all
independent contractors, regardless of field/title designation.
Tax and/or legal advice is not offered by Synergy Financial Partners or its affiliated companies. Please
consult with your tax professional or legal advisor for further guidance on tax or legal matters.

Synergy Financial Partners
2450 Atlanta Highway
Suite 1401
Cumming, GA 30040
770-886-2714


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