5. The Need is Great Now, more than ever, the market is ripe for change – to be led by a visionary financial services company that knows what consumers need. World Financial Group is that company. 1946 Present Baby Boomer Lifespan
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9. 6 The WFG Financial Dream Map™ is a suitability and needs analysis developed by World Financial Group. The analysis is based upon information obtained from sources believed to be reliable and accurate. However, discuss any legal, tax or financial matter with the appropriate professional. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any specific security or financial service. 6 When investing, there are certain risks, fees and charges, and limitations that one must take into consideration.
15. In order to qualify for participation in contests, and to receive prizes and awards, an individual must be in good standing with World Financial Group and its affiliated companies. Many people have experienced various 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. The WFG Environment allows ordinary people to achieve extraordinary things. Rewards & Recognition
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Notes de l'éditeur
AEGON N.V. is one of the world’s leading listed life insurance companies ranked by market capitalization and assets.
More than 78 million people – born between 1946 and 1964 – are considered members of the Baby Boomer Generation.* Generations X and Y – comprised of people born between 1965 and 1994 – make up 42% of the U.S. population.** “ 66% of the people who have ever reached age 65 are still alive today.” — Dr. Ken Dychtwald • “The Boomer Century” * According to http://www.AARP.com , June 2004. ** Michael Fleischner, “Marketing to Generation X and Y,” http://bigmarketing .wordpress.com/2007/01/30/marketing-to-generation-x-and-y/ , Jan. 30, 2007.
What can you, a WFG financial services professional, do to become more mindful of the Great Wealth Transfer? Understand the tax laws involved in wealth transfer.* Set up relationships with third-party advisors. Take another look at current clients. Look at the whole picture. * Tax and/or legal advice not offered by World Financial Group, Inc., World Group Securities, Inc. or their affiliated companies. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters.
Firms that require a minimum account size have increased their average minimum to almost $500,000.* 85.5% of U.S. Households have a net worth of less than $500,000.** * 2007 Rydex Advisor Benchmarking Research Study ** Center For Wealth and Philanthropy at Boston College, Study of 106,486,490 households.
• In 2005, for the first time ever, household debt levels surpassed household income in America by more than 8%, reaching 108%.* • While disposable personal income increased in 2005, personal savings as a percentage of personal income dropped to –0.4%.** • More than one-third (37%) of Generation X are not saving in their 401(k) plans, and when they do save, their rate of contribution is lower than that of Baby Boomers (7.2% vs. 8.5%, respectively).*** • Only 31% of workers ages 18 to 25 are eligible for 401(k) participation in their companies’ plan. Among those Generation Y workers who participate in a 401(k) plan, the average contribution is 5.6% of pay.*** * Christian E. Weller, “Drowning in Debt,” Center of American Progress, May 2006. ** “Three Generations Prepare for Retirement,” Hewitt Associates LLC, Feb. 2006 *** “Three Generations Prepare for Retirement,” Hewitt Associates LLC, Feb. 2006.
Option 1 – Client If you are satisfied with your career and discretionary income, consider becoming a client. Take advantage of WFG’s strategies to help move toward financial independence. Option 2 – Self-employed/Twin Career Licensed, quality profession with a great training program Earn supplemental income through your personal effort Control your time and create a career on your terms Potential positive tax benefits of self-employment
Option 3 – Business Owner Using our system, build a WFG business as big as your commitment and vision Take advantage of a variety of incentives, including: • Supervisory overrides • Bonus pools • Renewals & Trails • Stock options* • Entrepreneurial program * Eligibility/availability governed by governing plan documents.