Part 1:

Consider how our concepts and strategies could benefit you or someone you know.

Part 2:

Consider the reasons why you or someone you know should

partner with us in business.

In Control?

…or Being Controlled?

How are most families doing financially?

What is their relationship with money?

76%

60%

50%

27%40%

Live paycheck to paycheck- CNN Money 1

Have no budget- 2013 Consumer Financial Literacy Survey 2

Less than 3 months of cushion- 2013 Consumer Financial Literacy Survey 2

Have no savings at all- 2013 Consumer Financial Literacy Survey 2

Give themselves a C, D, or F-MSN Money, Knowledge of personal finance 3

$8,220$Average credit card balance

- 2013 Experian Analysis 4

15.6%Average interest rate

- Bankrate.com 5

30 yrsPaying only the minimum- Creditcards.com 6

30%Have no life insurance- MSN Money 3

$167KAverage coverage- MSN Money 3

36%$43K

35%

-24%

Are saving nothing for retirement - statisticsbrain.com 7

Average savings of a 50 year old - statisticsbrain.com 7

65 + rely completely on Social Security - statisticsbrain.com 7

Average 401k loss in 2008- Employee Benefit Research Center 9

$1,294Average monthly benefit from Social Security - www.ssa.gov 8

“How Many Workers Support One

Social Retiree?” by Veronique de

May 22, 2012.

Common Questions

How do I avoid the most commonly-made financial mistakes?

Where can I get educated on how money works and how much will it cost?

What goals should I set, and how do I reach them?

How do I create a workable plan that I can stick to?

What financial solutions are best and most suitable for my family?

Start with the basics.

The Rule of 72

The following example shows what can happen to an initial savings of $5,000 over a 36 year period at various rates of return. 13

72 ÷ 4 = 1872 ÷ 6 = 12

72 ÷ 8 = 972 ÷ 10 = 7.2

“How Many Workers Support One

Social Retiree?” by Veronique de

May 22, 2012.

Total lump sum needed at retirement (in today’s dollars) to provide an income for 30 years. This example is based on a hypothetical 6% annual return and 2% inflation throughout retirement. 12

$424,300

$636,450

$848,601

$1,272,901

$2,121,501

$1,697,201

$2,000 / month

$3,000 / month

$4,000 / month

$6,000 / month

$8,000 / month

$10,000 / month

Retirement Savings Need

The Impact of Losses

$10,000

50%Loss $5,000

100%Gain

$7,500

$10,000

50%Gain

The Impact of Taxes14

Our SolutionsFinancial Solutions15

Livi

ng E

xpen

ses

Taxes

Debt

Our SolutionsOur Solutions

…and many other companies.

Product Solutions16

Next Step

Perspectives Strategies

Referrals

Strategies

Set a time to visit with one of our associates in the next day or two while this information is fresh on your mind.

StrategiesStay and learn more about our professional options. You may be, or know the right person.

Own Your Future

In Control?

…or Being Controlled?When it comes to their career, are people…

70%

53%

36%

93%60%

Unhappy or “hate” their job- Forbes / Gallup 1

Unsatisfied with work/life balance- Harris Interactive 2

Recent grads with a job that doesn’t require a degree - CNN Money 3

Work for someone else- Careerbuilder.com 4

Have a position or an income that they don’t want – Harris Interactive 2

$63 TrillionTotal financial services industry- Forbes 5

70%Wealth controlled by Baby Boomers- The New York Times 6

10,000Boomers retire every day- Financial-planning.com 7

58%Don’t have a financial professional- The New York Times 6

61%#1 Fear: Outliving their money- Allianzlife.com 8

Once in a while, a

NEW IDEA

comes to an

OLD INDUSTRY and completely transforms the way that industry does business.

“…firms can no longer expect to hire only mid-career professionals…” “…firms are going to have to rethink

their hiring philosophies to meet the growing demand…”

“The model’s broken”

Financial Planning Magazine 9

“How Many Workers Support One

Social Retiree?” by Veronique de

, May 22, 2012.

Different By Design

Educational approach

Serve people from all walks of life

Non-Captive

No charge for our clients

Low start-up costsAMA + Licensing

TrainingClassroom + Field

Control your timeBuild on your terms No Quotas

Backing

System | Platform

Values

Timing | The Need

In business for yourself, but not by yourself.

“How Many Workers Support One

Social Retiree?” by Veronique de

, May 22, 2012.

Income Blend

Bonus Income

Recurring Income

Training Income

Personal Income

“How Many Workers Support One Co Social Retiree?” by Veronique de

, May 22, 2012.

Building a World-Class Business

Associate Personal Production $47,952 11,12,13 Helping 4 families/ month

SMD Personal Production $106,560 11,12,13

Helping 5 families/month

Build a Base Shop $231,768 11,12,13

Personally helping 3 families/monthDevelop 3 Associates who help 4 families/month

This doesn’t include income available to associates from renewals, trails, or bonuses.14

The following examples show how helping a family results in a $2,775 commission paid to the field, with the commission based on an average IUL Policy sale to a 40-year-old male who is contributing $185 per month to the policy.10

Our Vision is to become the

LARGEST and most

MOST INFLUENTIAL financial services company

IN HISTORY.

“How Many Workers Support One

Social Retiree?” by Veronique de

, May 22, 2012.

Is there a need for what we do?

Is it good for the consumer?

Do I know anyone who could benefit from this information?

When was the last time I had my finances reviewed?

Am I on track to accomplish my financial goals?

If the next 5 years are the same as the last 5, will I be satisfied?

Could I see myself educating others about this?

What would an extra $500, $1,000, or $2,000/mo mean to me?

When will my current profession provide me this extra income?

Am I open to options to help me find the solutions?

Ask Yourself…

Next Step

Professional Options

Set a time to meet with one of our Marketing Directors for an interview.

Referral Partner

Part-time

Full-time

Client Strategies

Referrals

Strategies

1 -76% of americans live paycheck to paycheck (CNN Money: money.cnn.com/2013/06/24/pf/emergency-savings/)2 -60% have no budget (The 2013 Consumer Financial Literacy Survey) -50% have less than 3 month cushion -27% have no savings at all3 -40% of adults give themselves a C, D, or F on their knowledge of pers finance - Thirty percent of U.S. households have no life insurance at all - The average amount of coverage for U.S. adults has declined to (167,000). MSN Money 3 scary personal financail stats4 -Average credit debt : $8,220. Experian analysis 20135 -15.61% is the average (Bankrate.com, http:// www.bankrate.com/finance/credit-cards/rate-roundup.aspx) 6 -Minimum pmt around 2%: http://www.creditcards.com/ credit-card-news/minimum-credit-card-payments-1267.php7 - (http://www.statisticbrain.com/retirement-statistics/) 36% are saving nothing at all for retirement -$43,797 is the average savings of a 50 year old -35% of those 65 and older rely completely on Social Security8 -Social Sec avg. mo benefit: http://www.ssa.gov/news/press/basicfact.html9 -US workers suffered a 24.3% average loss in their 401k accounts in 2008 (employee benefit research institute) http://www.businessweek.com/ stories/2009-10-05/typical-u-dot-s-dot-worker-saw-401-k-lose-24-dot-3-percent-in-200810 –All figures are for illustrative purposes only and do not reflect an actual investment in any product. Additionally, they do not reflect the performance risk, taxes, expenses, or charges associated with any actual investment, which would lower performance. This illustration is not an indication or guarantee of future performance. Contributions are made at the end of the period. Total accumulation figures are rounded to the nearest dollar. 11 –In this hypothetical example, an 8% compound rate of return is assumed on monthly investments over different time periods. The example is for illustrative purposes only and does not represent any specific investment. It is unlikely that any one rate of return will be sustained over time. This example does not reflect any taxes, or fees and charges associated with any investment. If they had been applied, the period of time to reach $1 million retirement goal would be longer. Also, keep in mind, that income taxes are due on any gains when withdrawn. 12 -All figures are for illustrative purposes only and do not reflect an actual investment in any product. Additionally, they do not reflect the performance risk, taxes, expenses, or charges associated with any actual investment, which would lower performance. This illustration is not an indication or guarantee of future performance. Contributions are made at the end of the period. Total accumulation figures are rounded to the nearest dollar. 13 -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. Past performance is not an indication of future performance. 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. Actual results in each case are slightly higher or lower. This Illustration does not include fees or taxes, or take into account inflation all of which would lower performance. It is unlikely that an investment would grow 10% or greater on a consistent basis, given current market conditions.14 –Tax and/or legal advice are not offered by World Financial Group, Inc. its affiliated companies nor its independent associates. Please consult with your personal tax and/or legal professional for further guidance.15 –When investing, there are certain risks, fees and charges, and limitations that one must take into consideration.16 –Providers maintain current selling agreement(s) with World Financial Group Insurance Agency, Inc. (WFGIA) or its subsidiaries. WRL, Transamerica Life Insurance Company, World Financial Group, and WFGIA and its subsidiaries are affiliated companies. The full names, city and state locations of these entities are: Western Reserve Life Assurance Co. of Ohio, Columbus, Ohio; Transamerica Life Insurance Company, Cedar Rapids, Iowa; Pacific Life Insurance Company, Newport Beach, California; ING USA Annuity and Life Insurance Company, Des Moines, Iowa; Nationwide Retirement Solutions and Nationwide Life Insurance Company, Columbus, Ohio; Prudential Annuities Distributors, Inc., Shelton, Connecticut. Agents must be properly licensed and appointed to offer each company’s products or services.

1 -It turns out the U.S. has some of the best numbers in the world, with 30% happy in their work, 52% feeling blah and 18% who hate their jobs. Those numbers are not what we would want but they are better than most places. http://www.forbes.com/sites/susanadams/2013/10/10/unhappy-employees-outnumber-happy-ones-by-two-to-one-worldwide/2 –Harris Interactive performed an independent study for World Financial Group where this data was gathered and compiled3 -36% of recent college graduates are working somewhere that does not require a degree (http://money.cnn.com/2013/06/25/news/economy/malemployment-rate/4 –careerbuilder.com/share/aboutus/pressreleeasedetail.aspx sd=2%2f6%2f2014&id=pr802&ed=12%2f31%2f2014. CHICAGO – Feb 6, 2014 – The U.S. has an estimated 10 million self-employed jobs. That's 6.6 percent of all reported jobs, but down from a high of 7.2 percent in 2006.5 –Securities Industry and Financial Markets Association (SIFMA), http://www.sifma.org/impact/american-economy/6 –http://www.nytimes.com/2007/03/28/arts/28iht-boomers.1.5054350.html?pagewanted+all7 –financial-planning.com8 –https://www.allianzlife.com/about/news_and_events/news_releases.aspx?articleID=569 –March 2014 Financial Planning Magazine “Advisor Shortage” pg. 4110 –This example shows how helping a family results in a $2,220 commission paid to the field, with a commission based on an average Life Insurance Policy sale to a 40-year-old male who is contributing $185 per month to the policy. Opportunities to build other income may be achieved by qualifying for additional compensation and by qualifying for bonus pools. Commission amount may vary based on product type and size of purchase.11 -This is a hypothetical scenario for illustrative purposes only. There is no assurance that these results can or will be achieved. Income is earned from sales of WFG authorized products and services. No income is earned for recruiting. See the current WFG Field Manual for compensation percentages on all diversified product lines. All compensation plans subject to change. Promotional criteria/designations are determined and offered by or through WFG. Personal percentages earned on products may vary based on promotional level with WFG. Assumes WFG Associate contract level of 36%, SMD contract level of 64%, SMD override level of 28%.12 -Associates of WFG are independent contractors, regardless of field title/designation. 13 -Example assumes all SMD’s team members are at the Associate level.