WFG for clients
- 1. Helping People Create Better FINANCIAL FUTURES A Transamerica Company 1
- 2. Overview how we What we do: savings, insurance, conduct and more. business with our clients Our mission is to help build and protect wealth for families. On the first visit, the 1 associate discusses concepts, We believe in creating gathers data and information, relationships based on trust and and makes a follow-up building business through referrals. appointment. Consider two perspectives: The associate performs WORLD FINANCIAL GROUP 2 a financial needs analysis Do I know someone who could for the client. benefit from this message? Can this information help me, my family and friends financially? The associate returns to 3 present the analysis and recommendations. 2
- 3. 2,3 2,3 3 3 3 PRODUCTS & SOLUTIONS1 INSURANCE INVESTMENTS TERM INSURANCE IRA UNIVERSAL LIFE RETIREMENT Fixed ANNUITIES COLLEGE SAVINGS 3
- 4. Most Families Are: True Financial Living with too much debt and not Independence is: enough insurance protection. About saving more and spending less Limited savings, if any, without a clear understanding of how much savings Living within one’s means is enough. Protecting loved ones The situation of most households Not enough income and not sure should the “worst-case how to fix the problem. scenario” occur Systematically reducing What is the result of and eliminating debt living like this? Sufficient funds to cover Loss of peace of mind expenses for six months or a year Stress and frustration in our homes Long-term savings that Negative impact on families protect you and your family for life to improve quality of life, Peace of mind changes must be made. 4
- 5. To know and understand three basic financial concepts can help people have and enjoy financial security. This is what WFG associates teach. The Power of Time Time can be your greatest ally or your worst enemy. If you haven’t started saving for your future, start now. n example of saving $5,000 per year in a tax-deferred account earning A 10% per year.4 Principal Total basic financial concepts Time Invested Accumulation Person A 40 years $200K $2.2 million Person B 38 years $190K $1.8 million Difference 2 years $10K $400K 8 hours a day, 5 days a week: $96 per hour 5
- 6. Managing Rate and Risk* A one-time investment of $10,000 saved for 36 years The Rule of 72 - If you divide 72 by Interest Rate Total the interest rate being earned on your Percentage Accumulation savings, you will obtain the approximate number of years required for your initial 2% $20,000 savings to double. 6% $80,000 10% $320,000 Reduce the impact of taxes5 basic financial concepts Taxable Tax Deferred Tax Exempt Savings Accounts 401(k)s, IRAs Roth IRAs Certificates of Deposit (CDs) Fixed Annuities Cash Accumulation in a Savings Bonds Life Insurance policy * he 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. The performance of investments fluctuates over time T and, as a result, the actual time it will take an investment to double in value cannot be predicted with any certainty. Additionally, there are no guarantees that any investment or savings program can 6 outpace inflation. All figures are for illustrative purposes only and do not reflect an actual investment in any product.
- 7. A financial analysis provided by a WFG associate covers the areas of cash flow, proper protection, emergency fund, debt management, and asset accumulation and preservation. It can help you answer these questions and more: How do I create a workable savings plan that I can stick to? What goals should I set, and how much do I need to save to reach these goals? A WFG FINANCIAL ANALYSIS How much insurance do I need? What types of insurance should I consider? If we can help you by using the principles of our financial needs analysis and offer you suitable solutions for you and your family, would you be willing to do business with us? If you are pleased with your experience with us, would you be willing to refer friends or family to us so we can share this information with them? 7
- 8. 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 1 roviders maintain current selling agreement(s) with World Financial Group Insurance P World Financial Group Insurance Agency, Inc., Agency, Inc. (WFGIA) or its subsidiaries. World Financial Group Insurance Agency of 2 RL, Transamerica Life Insurance Company, World Financial Group, and WFGIA and its W Hawaii, Inc., World Financial Group Insurance subsidiaries are affiliated companies. Agency of Massachusetts, Inc., World Financial 3 he full names, city and state locations of these entities are: Western Reserve Life Assurance T Group Insurance Agency of Wyoming, Inc., Co. of Ohio, Columbus, Ohio; Transamerica Life Insurance Company, Cedar Rapids, Iowa; World Financial Insurance Agency, Inc. and/or Pacific Life Insurance Company, Newport Beach, California; ING USA Annuity and Life WFG Insurance Agency of Puerto Rico, Inc. Insurance Company, Des Moines, Iowa; Nationwide Life Insurance Company, Columbus, Ohio. WFG and WFGIA are affiliated companies. 4 ll figures are for illustrative purposes only and do not reflect an actual investment in any A Headquarters: 11315 Johns Creek Park- product. Additionally, they do not reflect the performance risks, taxes, expenses or charges way, Johns Creek, GA 30097-1517 Phone: associated with any actual investment, which would lower performance. This illustration is 770.453.9300. not an indication or guarantee of future performance. Contributions are made at the end of the period. For use in the United States only. 5 ax and/or legal advice not offered by World Financial Group or its affiliated companies. T Please consult with your personal tax professional or legal advisor for further guidance on ©2011 World Financial Group, Inc. tax or legal matters. 2586/6.12 8