Six Steps Gatefold

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.,
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. -
collectively WFGIA.
World Financial Group, Inc. and WFGIA are
affiliated companies.
Headquarters: 11315 Johns Creek Parkway,
Johns Creek, GA 30097-1517.
Phone: 770.453.9300
WorldFinancialGroup.com
©2014 World Financial Group, Inc. 	 	
2897/6.14
1 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 cosistent basis, given
current market conditions.
2 Tax and/or legal advice are not
offered by World Financial Group,
Inc., World Financial Group Canada
Inc., their affiliated companies or
their independent associates. Please
consult with your personal tax and/or
legal professional for further guidance.
3 In this hypothetical example, an
8% compounded rate of return
is assumed on hypothetical
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 a $1 million retirement
goal would be longer. Also, keep in
mind, that income taxes are due on
any gains when withdrawn.
4 The bare-essential elements of an
estate plan include, but are not
limited to: a will; assignment of
power of attorney; and a living will
or health-care proxy (medical power
of attorney). For some people, a
trust may also make sense. When
putting together a plan, you must
be mindful of both federal and state
laws governing estates.
5 http://wills.about.com/od/
howtoavoidprobate/tp/probatefees.
htm
6 http://wills.about.com/od/
understandingestatetaxes/a/
futureoftax.htm, “What is the
Future of the Federal Estate Tax?”
by Julie Garber, January 3, 2013.
Based on current U.S. tax law as of
January 2013. Tax laws may change.
Tax and/or legal advice not offered
by WFG or its affiliated companies.
Please consult with your personal
tax professional for additional
guidance regarding the estate tax
and other tax matters.
7 “How Many Workers Support One
Social Retiree?” by Veronique de
Rugy, May 22, 2012.
The Six Steps
to Financial
Independence
A Transamerica Company
The Six Steps
Build Wealth
• Strive to outpace inflation  reduce taxes
• Professional money management
Proper Protection
• Protect against loss of income
• Protect family assets
Debt Management
• Consolidate debt
• Strive to eliminate debt
Emergency Fund
• Save 3-6 months’ income
• Prepare for unexpected expenses
Cash Flow
• Earn additional income
• Manage expenses
Preserve Wealth
• Reduce taxation
• Build a family legacy
When investing, there are certain risks, fees and charges, and limitations that one must take into consideration.
The six steps to living
life on your terms
Your financial future depends on how you address
your individual circumstances. There is no one
way of preparing for the future that is right for
everyone. But there are common elements. Your
World Financial Group (WFG) financial professional
will assess your particular needs and help you
work toward a sound financial future. It all begins
with understanding these six steps to financial
independence.
Now is the time to establish a budget - and stick to it - in order to manage
your expenses and increase your cash flow. Eliminating debt and building an
emergency fund are your top priorities.
Hitting Your Stride in your 40s  50s
As you become free from consumer debt and increase your disposable income,
your full focus should be on building wealth for your future and children’s
education. Estate planning and long term care are also on your mind with
good reason.
The Impact of Losses
Proper insurance coverage can help you guard against the impact of losses.
At this stage losses are magnified because you not only have to recoup what
was lost, but catch up to the progress you were making.
This chart shows why a 50% loss in an account then requires a 100% gain just
to get even.
Starting Out in your 20s
Responsibilities such as student loans and credit cards are often at their
highest when your cash flow is at its lowest. It’s important to have a strategy
to manage or eliminate your debt.
The X-Curve
Living On Your Terms in your 60s  up
After years of careful planning and commitment to your goals, you’ll
continue to discover that financial independence still requires work in the
form of estate planning and deciding how to enjoy each day in retirement.
Having an estate plan in place will help:4
• Avoid probate costs (3-8%5
of your total assets)
• Manage estate taxes. Current tax law exempts estates valued up to
$5,250,000 from estate taxes, but estates valued more than that can be
taxed up to 40%.6
• Ensure your legacy reaches your intended heirs
• Establish medical and financial powers of attorney so that your finances
and health are taken care of should you become incapacitated
The 3-Legged Stool
$286.45
/mo
$1,697.73
/mo
$5,466.09
/mo
$13,609.73
/mo
40
yrs
20
yrs
10
yrs
5
yrs
That’s exciting to think about. But consider the interest rate on your credit
card. Is it 18%? Higher? The Rule of 72 can work against you just as
powerfully as it can work for you. Debt management is still important.
The Rule of 72 doesn’t consider taxes. Taxes can increase the amount of time
it takes for money to double. Your financial professional can help you develop
a strategy that considers the impact of taxes.2
Establishing Yourself in your 30s
As your income grows, perhaps along with a young family, you can begin to
look beyond debt to building wealth and protecting loved ones with proper
insurance coverage.
The Rule of 721
The Rule of 72 is an estimation of the time it takes for money to double.
Divide the number 72 by the rate of return, and the result is the approximate
number of years for money to double.
Notice how a $5,000 investment at age 29 doubles faster as the rate
of return increases.
The Cost of Waiting3
Just as loss can be expensive, so can waiting. Perhaps it’s taking you longer than
expected to pay off your consumer debt. Circumstances like these and others,
such as the rising cost of living, can keep you from thinking about the future.
This chart shows how much you need to set aside each month to reach a $1
million retirement goal, based on a monthly compounded rate of return in a
hypothetical 8% tax-deferred account. No matter where you are in life or in
building a financial strategy, the key is to begin saving now.
The Three-Legged Stool refers to the traditional retirement income model
which was composed of a Social Security check, a company pension, and
your personal savings. When Social Security started there were 42 people
working for every one retired.7
Last year it was less than three to one.
Pensions are becoming a thing of the past, which leaves personal savings.
With the 3-legged stool of retirement all but crumbled, there has been
a shift to personal responsibility. It’s important to learn the right balance
between what you spend now and what you save for later.
Working with your financial professional is the best way to prepare for
the future and for how you’ll live life on your terms.
Personal
Savings
Social
Security
Company
Pensions
$10,000
$20,000
$20,000
$40,000
$10,000
$40,000
$10,000
$320,000
$80,000
$20,000
$20,000
$10,000
$80,000
$40,000
65
59
56
53
47
41
38
35
29
$160,000
AGE
Younger Older
Generally
Less
Secure
Generally
More
Secure
50%
Gain
$7,500
$10,000
$10,000
$5,000
100%
Gain
50%
Loss
The six steps should be factored into
each stage of life, but here the focus is
on the steps most relevant and typical
to each stage.
$5,000 $5,000 $5,000$5,000
4% 8%6% 10%
1 sur 2

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Six Steps Gatefold

  • 1. 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., 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. - collectively WFGIA. World Financial Group, Inc. and WFGIA are affiliated companies. Headquarters: 11315 Johns Creek Parkway, Johns Creek, GA 30097-1517. Phone: 770.453.9300 WorldFinancialGroup.com ©2014 World Financial Group, Inc. 2897/6.14 1 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 cosistent basis, given current market conditions. 2 Tax and/or legal advice are not offered by World Financial Group, Inc., World Financial Group Canada Inc., their affiliated companies or their independent associates. Please consult with your personal tax and/or legal professional for further guidance. 3 In this hypothetical example, an 8% compounded rate of return is assumed on hypothetical 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 a $1 million retirement goal would be longer. Also, keep in mind, that income taxes are due on any gains when withdrawn. 4 The bare-essential elements of an estate plan include, but are not limited to: a will; assignment of power of attorney; and a living will or health-care proxy (medical power of attorney). For some people, a trust may also make sense. When putting together a plan, you must be mindful of both federal and state laws governing estates. 5 http://wills.about.com/od/ howtoavoidprobate/tp/probatefees. htm 6 http://wills.about.com/od/ understandingestatetaxes/a/ futureoftax.htm, “What is the Future of the Federal Estate Tax?” by Julie Garber, January 3, 2013. Based on current U.S. tax law as of January 2013. Tax laws may change. Tax and/or legal advice not offered by WFG or its affiliated companies. Please consult with your personal tax professional for additional guidance regarding the estate tax and other tax matters. 7 “How Many Workers Support One Social Retiree?” by Veronique de Rugy, May 22, 2012. The Six Steps to Financial Independence A Transamerica Company The Six Steps Build Wealth • Strive to outpace inflation reduce taxes • Professional money management Proper Protection • Protect against loss of income • Protect family assets Debt Management • Consolidate debt • Strive to eliminate debt Emergency Fund • Save 3-6 months’ income • Prepare for unexpected expenses Cash Flow • Earn additional income • Manage expenses Preserve Wealth • Reduce taxation • Build a family legacy When investing, there are certain risks, fees and charges, and limitations that one must take into consideration. The six steps to living life on your terms Your financial future depends on how you address your individual circumstances. There is no one way of preparing for the future that is right for everyone. But there are common elements. Your World Financial Group (WFG) financial professional will assess your particular needs and help you work toward a sound financial future. It all begins with understanding these six steps to financial independence.
  • 2. Now is the time to establish a budget - and stick to it - in order to manage your expenses and increase your cash flow. Eliminating debt and building an emergency fund are your top priorities. Hitting Your Stride in your 40s 50s As you become free from consumer debt and increase your disposable income, your full focus should be on building wealth for your future and children’s education. Estate planning and long term care are also on your mind with good reason. The Impact of Losses Proper insurance coverage can help you guard against the impact of losses. At this stage losses are magnified because you not only have to recoup what was lost, but catch up to the progress you were making. This chart shows why a 50% loss in an account then requires a 100% gain just to get even. Starting Out in your 20s Responsibilities such as student loans and credit cards are often at their highest when your cash flow is at its lowest. It’s important to have a strategy to manage or eliminate your debt. The X-Curve Living On Your Terms in your 60s up After years of careful planning and commitment to your goals, you’ll continue to discover that financial independence still requires work in the form of estate planning and deciding how to enjoy each day in retirement. Having an estate plan in place will help:4 • Avoid probate costs (3-8%5 of your total assets) • Manage estate taxes. Current tax law exempts estates valued up to $5,250,000 from estate taxes, but estates valued more than that can be taxed up to 40%.6 • Ensure your legacy reaches your intended heirs • Establish medical and financial powers of attorney so that your finances and health are taken care of should you become incapacitated The 3-Legged Stool $286.45 /mo $1,697.73 /mo $5,466.09 /mo $13,609.73 /mo 40 yrs 20 yrs 10 yrs 5 yrs That’s exciting to think about. But consider the interest rate on your credit card. Is it 18%? Higher? The Rule of 72 can work against you just as powerfully as it can work for you. Debt management is still important. The Rule of 72 doesn’t consider taxes. Taxes can increase the amount of time it takes for money to double. Your financial professional can help you develop a strategy that considers the impact of taxes.2 Establishing Yourself in your 30s As your income grows, perhaps along with a young family, you can begin to look beyond debt to building wealth and protecting loved ones with proper insurance coverage. The Rule of 721 The Rule of 72 is an estimation of the time it takes for money to double. Divide the number 72 by the rate of return, and the result is the approximate number of years for money to double. Notice how a $5,000 investment at age 29 doubles faster as the rate of return increases. The Cost of Waiting3 Just as loss can be expensive, so can waiting. Perhaps it’s taking you longer than expected to pay off your consumer debt. Circumstances like these and others, such as the rising cost of living, can keep you from thinking about the future. This chart shows how much you need to set aside each month to reach a $1 million retirement goal, based on a monthly compounded rate of return in a hypothetical 8% tax-deferred account. No matter where you are in life or in building a financial strategy, the key is to begin saving now. The Three-Legged Stool refers to the traditional retirement income model which was composed of a Social Security check, a company pension, and your personal savings. When Social Security started there were 42 people working for every one retired.7 Last year it was less than three to one. Pensions are becoming a thing of the past, which leaves personal savings. With the 3-legged stool of retirement all but crumbled, there has been a shift to personal responsibility. It’s important to learn the right balance between what you spend now and what you save for later. Working with your financial professional is the best way to prepare for the future and for how you’ll live life on your terms. Personal Savings Social Security Company Pensions $10,000 $20,000 $20,000 $40,000 $10,000 $40,000 $10,000 $320,000 $80,000 $20,000 $20,000 $10,000 $80,000 $40,000 65 59 56 53 47 41 38 35 29 $160,000 AGE Younger Older Generally Less Secure Generally More Secure 50% Gain $7,500 $10,000 $10,000 $5,000 100% Gain 50% Loss The six steps should be factored into each stage of life, but here the focus is on the steps most relevant and typical to each stage. $5,000 $5,000 $5,000$5,000 4% 8%6% 10%