Vision Presentation Disrupting the Biggest Industry … · Personal percentages earned on products may vary based on promotional level with WFG. As of Jan, 1, 2007, WFG Associate

The How Money Works Company TM

Vision Presentation

Disrupting the Biggest Industry

So Americans Can Dream Again

FOR EDUCATIONAL & TRAINING PURPOSES ONLY

The largest room booking service

owns no properties. STARTED 2008

The largest retail service

owns no inventory. STARTED 1999

The largest taxi service

owns no cars. STARTED 2009

The largest entertainment service

owns no theaters. STARTED 2007 (STREAMING)


Greatest economic story of

Millions of people Right now,

And trillions of dollars Are on the move as the

Our lifetime is now unfolding.

…

- - -

2010 2030

The Baby Boomers

2020

From 2011-2029, Baby Boomers Will cross into retirement age as They turn 65.

The Age Wave has become…

The Wealth Wave

1 every 7 seconds

10,900 everyday

for the next 13years

Source: http://www.infoplease.com/ipa/A0005067.html

http://www.infoplease.com/ipa/A0005067.html


The Booming Century: 1946 - 2046

BabyBoomers

GenerationX

Millennials

1946-1964

1965-1978

1979-1994

76 million

82 million

86 million

Source: http://www.infoplease.com/ipa/A0005067.html



…

Which

industry is BIGGER?

Financial RealEstate Retail

Less agents than 10 years ago Average age is around 58 More than one-third of U.S. financial advisors

plan to retire over the next decade, and more than 237,000 new financial professionals will need to be added to

keep up with the demand of retiring baby boomers.

http://www.thinkadvisor.com/2014/08/14/edward-jones-to-fund-series-7-course-for-college-s

Problem in the industry





















66% Of corporate employees are unsatisfied with

Their jobs and searching for something new.

Forbes.com, “New Survey: Majority of Employees Dissatisfied”, 5/18/2012. Statistic is combination of respondents who said they were either somewhat or totally unsatisfied.

3 Innovations Enable us to close this gap between Americans and the American Dream.

Financial Education

By making financial literacy available

to everyone, we’re empowering the 99% to take control of their finances.

Disruptive Technology

High tech, high touch tools equip our

leaders to engage more prospects,

more effectively, more efficiently.

Financial Team Building

The economics of financial combined

with the scale of team building creates

an limitless entrepreneurial scenario. FOR EDUCATIONAL & TRAINING PURPOSES ONLY

Interview Prospect / Open Business / Move Product

Our System

Automated / Digitized

Initial Engagement

Overview / Deeper

Engagement

Personalized Engagement

The End of Wealth And

Retirement As You Know It

Our 9-minute overview presentation.

The Rule of 72

Our 4-minute video

about one essential

financial concept.

The Swiss Army

Knife of Financial

Strategies

Our 4-minute IUL

strategy review.


Change Your

Literacy, Change

Your Life.

Our 3-minute literacy

challenge video.

The Perfect Wave

Our 28 minute Full

Presentation Video.

Dedicated Home Office Workforce

Multiple North American Headquarters

Corporate Backing and Strategy

Administration and Support

Marketing and Event Planning

Compensation and Recognition

Legal and Compliance Support

Our Dynamic Business Platform is

Your Solid Foundation

PRODUCT PROVIDERS

No state in the U.S. had a combined

household income (of the bottom

99%) that averaged more than

$62,000/year.2

Is this wide gap a result of America’s

poor financial literacy? Where will

people find the tens of thousands of dollars

they need to bridge it?

? If you don’t build your dream,

someone will hire you to build theirs. Tony Gaskins, Author


1. 2014, USA TODAY, “Price Tag for the American Dream: $130K a Year,” 2014

2. Economic Policy Institute, “The Increasingly Unequal States of America," 2014

$130,357

is the annual cost to live the American Dream,

according to Americans themselves.1

Only 16 million U.S. households,

around 1 in 8, earned $130,000

in 2014, according to the U.S.

Census Bureau.1

company pension, Social Security, and

savings to last for 10 years or so. Today,

thanks to advances in health and

technology, your retirement could be

30 years or more. If personal savings is

all you had, how much money would

you need in savings?

Company Pensions

50% of Fortune 500

companies offered

traditional defined benefit

retirement plans in 1998

compared to 5% by 2016.2

Longevity

How long will your savings

need to last?

When the average life span was

75 years, retirees only needed their

61% of people are more afraid of

outliving their money than dying.1

What happened to the

3-Legged Stool of Retirement?

Social Security

When it started, there were

45 workers for every retiree

collecting Social Security.

Now that ratio is less than

3 to 1.3

Personal Savings

Increasingly, the

responsibility is shifting to

the individual to fund their

own retirement and

dreams for the future.


1. Allianz, “Survey of Adults Age 44-75,” 2010

2. Willis Towers Watson, “A Continuing Shift in Retirement Offerings in the Fortune 500,” 2016

3. Ken Dychtwald Ph.D., “New Retirement Realities: A Three-Part Series,” 2014

$1,000,000 Retirement Account What will it take for you to build it at your age?

Daily and monthly amounts needed at 8% to build $1,000,000 by age 65.

Starting Age

20

25

30

35

40

45

50

55

60

Daily Amount Needed

$6

$9

$14

$22

$35

$56

$95

$180

$447

Monthly Amount Needed*

$190

$266

$436

$671

$1,052

$1,698

$2,890

$5,466

$13,610

Percent of Income Needed

8.29%

8.50%

12.93%

16.35%

25.62%

39.14%

66.62%

131.12%

326.48%

Average Monthly Income**

$2,288

$3,371

$3,371

$4,104

$4,104

$4,338

$4,338

$4,169

$4,169

* 8% return compounded monthly using U. S. SEC calculator. https://www.investor.gov/additional-resources/free-financial-planning-tools/compound-interest-calculator

** U. S. Bureau of Labor Statistics, median monthly earnings of full-time wage and salary workers by age from April, 2017 https://www.bls.gov/news.release/pdf/wkyeng.pdf FOR EDUCATIONAL & TRAINING PURPOSES ONLY

Compound Interest

is the greatest mathematical

discovery of all time.”

Albert Einstein

Rule

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. 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.

of

An estimation of the time it takes

The

For money to double.

YEARS

$20,471 (1%)

$10,000 LumpSum

72 Years

The Power of Compound Interest This is a hypothetical example and does not represent performance of any investment.

Does not assume fees, charges or taxes. It is unlikely that any one rate of return will be

sustained over time. Return and principal value of investments will fluctuate over time.

YEARS

$10,000 LumpSum $168,423 (4%)

$20,471 (1%) 72 Years




YEARS

$2,549,825 (8%)

72 Years

$10,000 LumpSum




$168,423 (4%)

$20,471 (1%)

Acc

ou

nt V

alu

e

- - - - - - - - - -

Thisisahypotheticalscenarioforillustrationpurposesonlyanddoesnotpresentanactualinvestment

foranyspecificproductorservice.Thereisnoassurancethattheseresultscanorwillbeachieved.

How do you avoid losses?

1,700 -

1,600 -

1,500 -

1,400 -

1,300 -

1,200 -

1,100 -

1,000 -

900 -

800 - 2 3 4 5 6 7 8 9 10

990 980

1,078

970 960

1,067 1,058

951

Normal Account

1,100

If the Market went up 10%

then down -10% for 10 years

1,089

Year 1

Acc

ou

nt V

alu

e

- - - - - - - - - -

1,210

1,331

1,331

1,464

1,464

1,500 -

1,400 -

1,300 -

1,200 -

1,100 -

1,000 -

900 -

800 - Year 1 2 3 4 5 6 7 8 9 10

990 980

1,210 1,078

970 960

1,067 1,058

951

Normal Account

1,610

1,100

How do you avoid losses?

1,700 -

If the Market went up 10% 1,600 -

then down -10% for 10 years

1,100

1,610

1,089

Account with a Floor

Thisisahypotheticalscenarioforillustrationpurposesonlyanddoesnotpresentanactualinvestment

foranyspecificproductorservice.Thereisnoassurancethattheseresultscanorwillbeachieved.

• Reduced tax burden

• No taxes at retirement

• The benefit of tax deductions (home mortgage

interest deduction or dependent children deduction)

Pay taxes on your penny seeds? Pay taxes on your harvest?

• Greater tax burden

• Taxes delayed until retirement

• Potential to be in higher tax bracket

• Required minimum distributions of retirement savings

$1M If you were a farmer, Would you rather pay taxes on your Penny seeds or million-dollar harvest?

1¢

What do qualified plans do?

They defer the tax!

This answer is only half correct.

What do qualified plans do?

They defer the tax and the tax calculation.

Min

imal

Tax

Rat

e

Historical Marginal Tax Rates

100

90

80

70

60

50

40

30

20

10

Source: Internal Revenue Service

1910 1920 1930 1940 1950 1960 1970 1980 1990 2000 2010

Are taxes

going up or down?

Highest Bracket

Lowest Bracket

Zero Market Risk LTC

Tax-Free

Income

Growth Potential

Make a commitment to

your financial future

…

The following example shows how helping one family results in $2,280 of commission paid to the field.19,20 For this example, the commission amount is based on an average Indexed Universal Life (IUL) insurance policy21 sale to a 40-year-old male who is contributing $200 per month to the IUL.

19 Opportunities to build other income may be achieved by qualifying for additional compensation and by qualifying for bonus pools. 20 Commission amount may vary based on product type and size of purchase. 21 Please be aware that insurance products are sold by prospectuses, which contain more information about the product’s fees, charges and limitations. Be certain to

perform a thorough review of the entire prospectus. Historical performance does not guarantee future investment results. 22 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

World Financial Group authorized products and services. No income is earned for recruiting. See the current World Financial Group 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 World Financial Group. Personal percentages earned on products may vary based on promotional level with WFG. As of Jan, 1, 2007, WFG Associate contract level of 35%, Senior Marketing Director contract level of 65%, Senior Marketing Director override level of 30%.

23 Associates of World Financial Group are independent contractors, regardless of field title/designation.

Associate 22,23

(Helps four families per month) $3,192 $38,304

Per Month Per Year

Senior Marketing Director 22,23

(Helps four families per month) $5,928 $71,136

Dynamic Compensation Plan

Business Building Income The following example shows how helping one family results in $2,280 of commission paid to the field.19,20 For this example, the commission amount is based on an average Indexed Universal Life (IUL) insurance policy21 sale to a 40-year-old male who is contributing $200 per month to the IUL.

24 Example assumes all Senior Marketing Director’s team members are at the Associate level. * World Financial Group, Inc. (WFG) is a financial services marketing company whose affiliates offer life insurance and a broad array of financial products and services. Securities are offered through

Transamerica Financial Advisors, Inc.), Member FINRA/SIPC. Insurance products are offered through World Financial Group Insurance Agency, Inc. (WFGIA) or its subsidiaries. WFG, TFA, WFGIA are affiliated companies. Headquarters: 11315 Johns Creek Parkway, Duluth, GA 30097-1517, PO Box 100035, Duluth, GA 30096-9403. Phone: 770.453.9300. WorldFinancialGroup.com

** Many people have experienced different levels of success with World Financial Group. However, individual member experiences may vary. This statement is not intended to, nor does it, represent that any current member's individual results are representative of what all participants achieve when following the World Financial Group system.

Only Senior Marketing Director’s

team members24 help four families each per month

Senior Marketing Director leading a five-person team22,23,24

$13,680 $164,160

Senior Marketing Director and each team member24 helps four families per month

$19,608 $235,296

Per Month Per Year

Bernadette & Moon Kim Registered Nurse

Trevor & Jennifer Jenson CPA

Mike & Mary Ann H insvark Student

David & Hanna Horenstein Real Estate & Mortgages

Eric & Debbie Jenson General Manager

WealthWave Annual $500,000+ Earners

Brian & Mary Loiseau CPA

WealthWave Annual $500,000+ Earners

Julio & Solange Velazquez Financial Services

Terry & Lori Wengert Engineering Grad Student

Rick & Kathy Stone Business Owner

Greg & Lori Sorenson Quality Assurance Manager

Tim & Julie Mullaney Flight Attendant

2011 2012 2013 2014 2017

$267,266,659

$732,631,483 Record Income Paid to Field

Through December 31,2017

3 Options To Get Started

Client

Grow your

Financial knowledge

Utilize our strategies

to secure your financial future

Part-Time

Become a licensed

financial professional

Choose your hours

And build your business on your terms

Full-Time

Build a business

without limitations As big as your vision

Take advantage of a wide variety of incentives

…

NextStep

Set an appointment in the with our Managers to discuss:

- Part time, twin or encore career - Full time business owner - Referral partner - Is it a fit for you and for us - Help make a difference

Distributions such as loans and withdrawals can only be made if the policy has been in force long enough to

accumulate sufficient value. Loans and withdrawals will reduce the policy value and death benefit. Loans are

subject to interest charges. If a policy lapses while a loan is outstanding, adverse tax consequences may result.

Policy loans are generally not taxable when taken and cash withdrawals are not taxable until they exceed basis in

the policy. However, if the policy is treated as a modified endowment contract (MEC) by IRC Sec. 7702A,

withdrawals and loans are taxable when taken to the extent of gain in the contract and may also be subject to a

10% federal income tax penalty if taken prior to age 59½. Cash distributions associated with benefit reductions,

including reductions caused by withdrawals during the first 15 years, may be taxable. Consult your tax advisor

regarding your particular situation. Riders and rider benefits have specific limitations and costs and may not be available in all jurisdictions. For

complete details including the terms and conditions of each rider and exact coverage provided, please consult your

agent. To comply with IRS Regulations, we are informing you of the following: Any discussion or advice regarding tax

issues contained in this presentation was not intended or written to be used, and cannot be used, to avoid taxpayer

penalties. Such discussion or advice was written to support the promotion or marketing of the transaction(s) or

matter(s) contained in this presentation. Anyone reading this presentation or contemplating a transaction discussed

in this material should seek advice based on the client’s particular circumstances from an independent tax advisor.

Tax advice not offered by Transamerica Financial Advisors, Inc., Transamerica Financial Group Division or their

affiliated companies.Past performance does not guarantee or indicate future results. The S&P 500® Index is a broad

measure of the U.S. stock market. Indices are unmanaged and one cannot invest directly an index. The returns

include reinvestment of dividends and capital gains. The average stock fund investor refers to the universe of all

stock fund investors whose actions and financial results are restated to represent a single investor. Indices do not

take into account fees and expenses associated with investing. All economic data and performance data are

historical and not indicative of future results. WealthWave, LLC is a financial services marketing company that is associated with World Financial Group, Inc.

World Financial Group, Inc. (WFG) is a financial services marketing company whose affiliates offer a broad array of

financial products and services. Insurance products offered through World Financial Group Insurance Agency, Inc.

(WFGIA), World Financial Group Insurance Agency of Hawaii, Inc., World Financial Group Insurance Agency of

Massachusetts, Inc., World Financial Group Insurance Agency of Wyoming, Inc., World Financial Insurance Agency,

Inc. and/or WFG Insurance Agency of Puerto Rico, Inc. Securities and Investment Advisory Services offered through

Transamerica Financial Advisors, Inc. (TFA), Transamerica Financial Group Division - Member FINRA, SIPC, and

Registered Investment Advisor. Non-Securities products and services are not offered through TFA. Only WFG

associates who are Registered Representatives and/or Investment Advisor Representatives of Transamerica

Financial Advisors, Inc. can offer investment products and/or investment advisory services. WFG, WFGIA and TFA

are affiliated companies. WealthWave and Transamerica Financial Advisors, Inc. Transamerica Financial Group

Division are not affiliated. WealthWave Headquarters: 6475 E Johns Crossing, Johns Creek, GA 30097-1553. Phone:

(770) 418-0300 ext. 104. WealthWave.com WFG and WFGIA Headquarters: 11315 Johns Creek Parkway, Johns

Creek, GA 30097-1517. Phone: (770) 453-9300. WorldFinancialGroup.com TFA Headquarters 570 Carillon Parkway,

St. Petersburg, FL 33716-1294. Phone: (800) 322-7161. TFAconnect.com

More info at wealthwave.com

© 2018, WealthWave Inc. All rights reserved FOR EDUCATIONAL & TRAINING PURPOSES ONLY

Documents

Vision Presentation Disrupting the Biggest Industry … · Personal percentages earned on products may vary based on promotional level with WFG. As of Jan, 1, 2007, WFG Associate