financial education services business opportunity

Welcome

BUSINESS PRESENTATION

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How Many People Are Affected By These Economic Times?How many people have less than perfect credit?How many people have more debt than they want, but just dont know how to get it paid off?

How Many People Are Affected By These Economic Times?How many people are leaving their families unprotected by not having a living trust, a will and a power of attorney over their financial and medical matters?How many people are susceptible to identity theft because they do not have identity theft protection?

How Many People Are Affected By These Economic Times?How many people would be better off today if they had been properly educated on the matters of credit, finances and family protection during their formal school years?How important do you think it is for someone to protect their identity, credit, family, finances and future?

More jobs have been lostMore homes have been lostMore savings & investments have been lostMore financial challenges for people than in any recent time in history

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58% of people with credit cards, on a monthly basis do not pay their balance in fullThose who carry credit card debt have an average balance of $17,103Those carrying $20,000 or more are likely to miss payments and see interest rates skyrocket and credit scores plummet In January of 2006, on average, U.S. households overspent their incomes by $575 and dropped the savings rate to the lowest its been in almost 80 years

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Make important purchasesOwn a home or refinance Get a new carGet a new jobPay off debtGet a low interest rate loanSave money

Its harder than ever to:

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So How Did All Of This Happen?A Lack of Financial Education!

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THE COMPANY

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Provides:The education we needed a long time agoProducts and services to protect your identity, credit, family, finances and future An opportunity for financial security

FINANCIAL EDUCATION SERVICES

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Founded in 2004Headquarters in Farmington Hills, MichiganOver 50 million dollars in salesDebt freeAlmost 200 employees worldwide

FINANCIAL EDUCATION SERVICES

Mike Toloff Parimal Naik

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PRODUCTS & SERVICES

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Credit RestorationPRODUCTS & SERVICESThe Protection Plan

WHAT IS A GOOD CREDIT SCORE?Believe it or not, most people dont know!

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FICO Scores range from 300 850Today, a 750 or above is the ideal score to provide the best benefitsThe national average credit score is a 680Only 13% of the US population is above an 80015% of the US population is under a 55022 states have a score below the national average

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Credit Restoration: United Credit Education Services6 year track recordTop Rating with the BBBServed over 150,000 clients Removed almost 500,000 derogatory items from peoples credit reportsRemoved over 50,000 public recordsSatisfaction money back guarantee

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Significant amounts of derogatory items removed from peoples credit reports enabling them to refinance their homes and cars and reduce their interest rates by up to 15%. Bankruptcies and other public record items removed allowing credit scores to increase well over 100 points.Late payments corrected to report paid as agreed.Credit scores increasing from the low 500s and 600s to the 700s and 800s in a matter of months.Individuals who have been originally declined for home, car and other loans are getting approved within several months. Documentation:

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Other credit restoration services charge thousands of dollars, and this doesnt even include the educational resources and coaching thats included, nor do they have the documentation! What Would It Be Worth To Have Excellent Credit?

Its only $499

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Multiple dynamic products - one low fee of $87 per month!

Did you know most people dont have credit and financial experts answering their questions and educating them on how to maintain a positive credit score?Did you know that nearly 80% of all credit reports have errors and most people do not have ongoing credit analysis to keep their credit profile accurate?

POSITIVE

Credit BuilderPROTECTION PLAN

You Get:Comprehensive analysis of the positive and negative items impacting your credit.A personalized action plan to improve your credit file.Customized recommendations to build and maintain good credit.An Education Library, Resource Center and mortgage, college fund and insurance calculators.The option to dispute inaccurate accounts.

POSITIVE

Credit BuilderPROTECTION PLAN

Did you know most people do NOT have a Will, Living Trust or a Power of Attorney over their financial and medical matters?Do you want some strange government official making critical decisions about who will care for your children or what happens to your finances, property or other assets?Do you want your family to fight over your personal possessions or to be burdened with your estate?

Will & Trust

PROTECTION PLAN

You Get: A Last Will, Living Trust and a Financial & Health Care Power of AttorneyUnlimited changes and revisionsElectronically stored dataPeace of mind in case of an unexpected circumstance

Will & Trust

PROTECTION PLAN

How many people have high debt and low savings?How many people are overwhelmed by their monthly payments?How many people have no budgeting plan to pay off their debt?How many people dont know a way to simultaneously pay off their debt while building their savings?

FES DebtZero

PROTECTION PLAN

You Get: The most effective and efficient user friendly debt payoff software program available todayMathematical algorithms that create a professional budget to adhere to:Pay off debt fastSave thousandsIncrease savings while creating extra discretionary incomePROTECTION PLAN

FES DebtZero

Did you know that identity theft is the fastest growing crime in the country?Did you know that someones identity is stolen every 3 seconds?Did you know that stolen identities can be misused up to 30 times?A stolen identity can cost years of time and thousands of dollars to restore.

PROTECTION PLAN

You get: IdentityAlert$1 million service guaranteeWalletLockPeace of mind that your identity is secured

PROTECTION PLAN

Educates young people from ages 8 to 18 on the matters of personal finance.Awards scholarshipsEach member automatically donates $2 each month to the YFL

PROTECTION PLAN

Youth Financial Literacy Foundation (YFL)

FINANCIAL OPPORTUNITY

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The worst recession in our lifetimeStock market crashPeople losing savings and retirementEquity in peoples home evaporatingUnemployment at all time highSocial insecurityWhy People Need To Take Control

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There is no better time than right now to build something for yourself and your family

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(1) Now is the time to build a business for yourself and gain financial control(2) The fortunes to be made will not come from physical distribution, but from intellectual distribution.~ Paul Zane Pilzer World Renowned Economist

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How We Get PaidPersonal Sales CommissionsCustomer Acquisition BonusesTraining BonusesLevel OverridesMonthly Infinity BonusesGenerational BonusesGlobal Profit Sharing Pool

Personal Sales Commissions

CustomerCustomer Customer$65$65$65Begin sharing the products with others and you start earning up to 13% personal sales commissions on your first 3 salesAgent

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After your 3rd sale, your personal sales commissions go up to 33% on all your future personal sales$165$165$165CustomerCustomer

Agent

Customer

Personal Sales Commissions

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If you got 5 customers per week = over $3,300.00/Month

If you got 3 customers per week = over $1,950.00/Month

If you only got 1 customer per week = over $650.00/MonthIn this Theoretical Example:

Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve.

All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.

Its better to get 1% of a hundred peoples efforts rather than 100% of your own.~ J. Paul Getty, Billionaire

Team Building

Team EarningsPersonal SalesCABLevel 1 OverrideLevel 2 OverrideAgentField TrainerUp to 33%$504-5% Up to 33%Up to $754-5%3-4%

Agent:$400*You:$1600*Agent:$400*As a certified Field Trainer you earn up to a 10% Field Training bonus on any Agents first 3 sales NOT under another certified Field Trainer in your organization.* In (1) Volume Month

Team EarningsSales DirectorUp to 33%Up to $2254-5%3-4%2-4%2-4%2-3%Personal SalesCABLevel 1 OverrideLevel 2 OverrideLevel 3 OverrideLevel 4 OverrideLevel 5 OverrideSr. Field TrainerUp to 33%Up to $1254-5%3-4%2-4%2-4%

Agent:500*You:5,000*Agent: 500*Agent: 500*Agent:1,000*You:10,000*Agent:1,000*Agent:1,000*As a Senior Field Trainer you earn up to a 10% Sr. Field Training Bonus on the first 3 sales under a qualified Field Trainer in your organization.As a Senior Field Trainer you also earn up to a 20% Sr. Field Training Bonus on any Agents first 3 sales NOT under a certified Field Trainer in your organizationHelp develop at least (2) Field Trainers in your organizationHelp develop at least (4) Field Trainers in your organization* In (1) Volume Month* In (1) Volume Month

Theoretical Example

As a certified Sales Director, you would earn about $350 every time you personally enroll an Agent who makes their first sale at $499$350Agent/Customer

$350Agent/Customer$350Agent/Customer

Sales Director

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In this Theoretical Example

If you got 5 Agents per week = about $7,000.00/Month

If you got 3 Agents per week = about $4,200.00/Month

If you got 1 Agent per week = about $1,400.00/MonthFinancial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve.


$3125 CABTheoretical Example: Team Earnings

Sales DirectorField TrainerField TrainerField TrainerAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentField Trainer$150$150$150$150$150$150$150$150$150$150$150$150$150$150$150$175$175$175$175$175

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Sales DirectorField TrainerField TrainerField TrainerAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentField Trainer$30$30$30$30$30$30$30$30$30$30$30$30$30$30$30$60$60$60$60$60$750 Sr. Field Training BonusTheoretical Example: Team Earnings

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Sales DirectorField TrainerField TrainerField TrainerAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentAgentField Trainer$8$8$8$8$8$8$8$12$8$8$12$12$8$8$12$84 2nd Level Override$8$8$12$12$12$104 3rd Level Override$188 TotalTheoretical Example: Team Earnings

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$3125.00$750.00$84.00$104.00

$4063.00Customer Acquisition BonusSr. Field Training Bonus2nd Level Override3rd Level Override

Total BonusesTheoretical Example: Team Earnings



In this Theoretical ExampleIf you did this once a month = about $4,063.00/Month

If you did this once a week = about $16,252.00/Month

If you did this twice a week = about $32,504.00/Month



Theoretical Example: Protection PlanResidual Income Potential858585858585858585858585858585858585858585858585858585858585YouPeople

5

25

125

625

3125

15,625

19,530Volume

= $425

= $2,125

= $10,625

= $53,125

= $265,625

= $1,328,125

$1,650,050Income

x $3.40 = $17

x $3.40 = $85

x $3.40 = $425

x $3.40 = $2,125

x $2.55 = $7,968

x $2.55 = $39,843

$50,463/mo

As an Executive Ambassador ,if you were earning at least a 1.5% Infinity Bonus, that would add an extra $24,750 per month.

Total = $75,000/moTotal = $7,500/moTotal = $750/moTheoretical Example: Protection Plan



Residual Earnings, Profit sharing

Personal Sales Commissions, Customer AcquisitionBonus, Training Bonuses$TIMEShort Term vs. Long Term

TRAINING & SUPPORT

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In this example, if we used 50% then we can see how fast the information breaks downScientists have proven that people only retain 7-10% of what they hear at any one time!100%Training & Support100%50%25%12%6%

3%

You

Contacts

FES University

This Means Two Things!It doesnt matter who invited you to take a look at the business or who enrolls you because they cant impede your success.

You can plug people that you know into the system and they might go out and do better than you!

FES UNIVERSITYHailed by world renowned speaker Les Brown as one of the bestAuthor of Things That Make You Go HMMMCo-authored Discover Your Inner Strength with best selling authors Steven Covey, Brian Tracy & Ken Blanchard20 year track record of documented personal success in Network MarketingDeveloped, managed and trained sales organizations with revenues exceeding $100 millionFounded the concept of Pure EdgeUtainment

Gregg AmermanGregg AmermanJoe LockeFrenita AmermanTony SwiantekKari Michaelsen

WHAT YOULL LEARNHOW TO ACHIEVE SUCCESS IN ALL AREAS OF YOUR LIFE!!!

THE SPECIFIC SKILLS REQUIRED TO BUILD A SUCCESSFUL FES BUSINESSTHE POWER OF PERSONAL GROWTH AND SELF DEVELOPMENTHOW TO PROTECT YOUR IDENTITY, CREDIT, FAMILY, FINANCES & FUTURE

MAKING A DECISIONNot the right time for the business, but interested in the service and will be glad to provide a referral.Interested in becoming an Agent and using the service, but wants more information and details and has some questions.Ready to start immediately! Just show me how!3 Kinds Of People

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4 Steps To Getting Started

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Step #1 - Enroll & become an Agent You Get: Discounts on servicesInformation package delivered to your homePersonalized Web siteFREE monthly online sales tracking systemAgent support servicePaid weekly & monthlyTax advantagesInstant or Cash Rebate of $50.00$199.00$249.004 STEPS TO GETTING STARTED

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Step #2 - Be a believer What do you need?

Credit RestorationThe Protection Plan- $499$399- $87

NO ONE PERSON NEEDS TO BELIEVE MORE THAN YOU!4 STEPS TO GETTING STARTED

Step #3 - Building Your Referrals

Who Do You Know:

Has less than perfect credit?Does not have a will and living trust?Whose identity is unprotected?Would like a system on how to pay off their debt?Could use some extra income?Wants to become financially free?MAKE A LIST DONT PREJUDGE!!!4 STEPS TO GETTING STARTED

Become great at inviting while you learn to become great at explaining.YOUCONTACTSEXPERT

TRUSTEDIFYPROMOTERESPECTCREDIBILITYRAPPORT4 STEPS TO GETTING STARTED

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Step #4 Training & Support

Online Business OfficeConference CallsBasic TrainingsAdvanced TrainingsAnnual Convention4 STEPS TO GETTING STARTED

CONGRATULATIONS!Welcome to the FES Team!

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financial education services business opportunity

Economy & Finance