1 of 44

2 of 44

3 of 44

World Financial Group, Inc. (WFG) is a fast-growing organization with world-class support and a diverse business platform in the financial industry.

Welcome

World System Builder (WSB) is the driving force within WFG who has an incredible track record of helping people build a strong financial future through financial education and a doable system.

4 of 44

5 of 44

THE CHALLENGES

Source: World System Builder. Saving Your Future. Alviso, CA, X-Press, 2023.

5

6 of 44

WEALTH GAPS ARE WIDENING

Board of Governors of the Federal Reserve System. Distribution of Household Wealth in the U.S. since 1989. https://www.federalreserve.gov/releases/z1/dataviz/dfa/distribute/chart/#quarter:128;series:Net%20worth;demographic:networth;population:all;units:levels;range:1992.1,2021.3

How do the rich continue to grow rich, and the poor become even poorer?

Wealth by Wealth Percentile Group (1991-2021)

100

50

0

1995

2000

2005

2010

2015

2021

And THIS is the wealth of 90% of the population.

In other words, the majority own a minority of the wealth.

Trillions of Dollars

Top 1%

90-99%

50-90%

Bottom 50%

THIS small portion is the wealth of 50% of the population.

6

7 of 44

CAN YOU BE PART OF THIS GROUP?

According to Credit Suisse, there are a growing number of millionaires:

Source: Credit Suisse, “Global Wealth Report 2021”, June 2021. https://www.credit-suisse.com/media/assets/corporate/docs/about-us/research/publications/global-wealth-report-2021-en.pdf

7

8 of 44

HOW DID WE GET HERE?

You are not totally free until you are financially free.

It’s not our fault. We were not taught to:

Make financial goals for�emergencies, retirement…

Have a budget

Avoid being influenced�by ads & social media

We can build up our financial future with knowledge, planning and consistent practices over a long period of time.

But it IS our fault if we don’t change.

8

9 of 44

CHANGE IS POSSIBLE

9

10 of 44

BELIEVE IN FINANCIAL EDUCATION

Understand how money works.

Learn how to manage your money.

Make money work for you.

Your future is not in the hands of your employer, your union, or your government. It is neither in the hands of your bank nor your broker.

The future is in your hands.

10

11 of 44

BUILDING A STRONG FINANCIAL FOUNDATION

You cannot “Build Wealth” until you “Build a Financial Foundation!”

INVESTMENT

PROPER PROTECTION

DEBT MANAGEMENT

EMERGENCY FUND

11

12 of 44

BUILDING A STRONG FINANCIAL FOUNDATION

PROPER PROTECTION

You cannot “Build Wealth” until you “Build a Financial Foundation!”

INVESTMENT

PROPER PROTECTION

DEBT MANAGEMENT

EMERGENCY FUND

Like building a house, you must build it from the ground up.

12

13 of 44

BUILDING FROM INSECURITY TO INDEPENDENCE

Learn to protect your income, your health,

and your assets.

PROPER PROTECTION

13

14 of 44

BUILDING FROM INSECURITY TO INDEPENDENCE

Learn to manage debt

and become debt free

PROPER PROTECTION

DEBT MANAGEMENT

14

15 of 44

FROM OUR WORKSHOP: DEBT ROLL-UP

For illustration purposes only.

In our workshop about managing debt, find out how just $100 can dramatically save time and reduce your debt!

15

16 of 44

BUILDING FROM INSECURITY TO INDEPENDENCE

Learn to build up 3-6 months of income for emergencies.

PROPER PROTECTION

DEBT MANAGEMENT

EMERGENCY FUND

16

17 of 44

BUILDING FROM INSECURITY TO INDEPENDENCE

Learn to save

and invest.

PROPER PROTECTION

DEBT MANAGEMENT

EMERGENCY FUND

INVESTMENT

17

18 of 44

SAVING AND COMPOUNDING

Assume your income is $60,000/yr, and you set aside 10% per month into an account that grows at some interest rate. How does saving $500/month (or $17/day) compound over time?

In 30 years, you will have:

@ 8% =

@ 10% =

AC

+/-

%

÷

7

8

9

×

$745,179

$1,130,243

0

$1,130,243

0

For illustration purposes only. Example calculated with interest compounded monthly.

18

19 of 44

UNDERSTAND TAXES

When saving, you want to consider the effect that taxes can have on your income.

TAX NOW

Example: Checking…

TAX LATER (Tax Deferred)

Example: Annuity…

TAX ADVANTAGED

Examples: Life Insurance, HSA...

* Neither World Financial Group Insurance Agency, LLC, its affiliated companies, nor its agents may provide tax or legal advice. Anyone to whom this material is promoted, marketed, or recommended should consult with and rely on their own independent tax and legal professional regarding their particular situation and the concepts presented herein.

Are you paying too much?

BUILDING A STRONG FINANCIAL FOUNDATION

PROPER PROTECTION

You cannot “Build Wealth” until you “Build a Financial Foundation!”

INVESTMENT

PROPER PROTECTION

DEBT MANAGEMENT

EMERGENCY FUND

Like building a house, you must build it from the ground up.

AND THEN

FINANCIAL INDEPENDENCE

23

24 of 44

BE PART OF THE CAMPAIGN

THAT IS REVOLUTIONIZING

THE FINANCIAL INDUSTRY

Over 300 Financial Centers!

Source: World System Builder Financial Centers. https://worldsystembuilder.com/officelocator/

24

25 of 44

35

36 of 44

FIND SOMETHING YOU BELIEVE IN

36

37 of 44

BE PART OF OUR BUSINESS PLATFORM

Together, we can build�a better future.

37

38 of 44

BE PART OF OUR BUSINESS PLATFORM

Together, we can build�a better future.

Flexibility

Freedom

Lifestyle

Purpose

Life is too short just to work for a living!

38

39 of 44

BE PART OF OUR BUSINESS PLATFORM

Together, we can build�a better future.

Flexibility

Freedom

Lifestyle

Purpose

Life is too short just to work for a living!

WELCOME TO THE�FINANCIAL LITERACY CAMPAIGN!

39

40 of 44

LIFE IS ALL ABOUT CHOICES

Change your thinking, change your future.

Freedom

Flexibility

Lifestyle

Purpose

Educate and help families build a strong financial foundation.�Change people’s lives.

Increase your knowledge and build multiple sources of income.

Start building a business in the growing financial education industry.

Be your own boss.

Enjoy the benefits of building�an organization in many cities,�and an opportunity to

travel the world.

40

41 of 44

A STRONG FINANCIAL EDUCATION INDUSTRY IS EMERGING

We help many people start a new career on a flexible or part-time basis.

There is a growing need for financial education and building a strong financial foundation for the future.

Would you rather shrink your dreams to fit your income,

or increase your income to build your dreams?

2) Many become entrepreneurs, building a large organization in multiple cities.

41

42 of 44

JOIN OUR CAUSE TO FIGHT DEBT, FINANCIAL INSECURITY, AND FINANCIAL ILLITERACY.

We can educate 30 Million people by 2030!

42

43 of 44

TELL US YOUR THOUGHTS

43

44 of 44

World System Builder is an organization that is comprised of individuals associated with World Financial Group Insurance Agency, LLC and World Financial Group, Inc., but it is not an affiliated company of World Financial Group, Inc., WFGIA, (In California dba World Financial Insurance Agency, LLC.), World Financial Group Insurance Agency of Hawaii, Inc., World Financial Group Insurance Agency of Massachusetts, Inc. nor WFG Insurance Agency of Puerto Rico, Inc. (collectively referred to as “WFG”). These agents offer insurance products through World Financial Group Insurance Agency, Inc., World Financial Group Insurance Agency of Hawaii, Inc., World Financial Group Insurance Agency of Massachusetts, Inc., (In California dba World Financial Insurance Agency, LLC) and/or WFG Insurance Agency of Puerto Rico, Inc. – collectively WFGIA.

WSB Headquarters: 2099 Gold Street, Alviso, CA 95002. Phone: 408.941.1838

WFGIA Headquarters: 6400 C Street SW, Cedar Rapids, IA 52499. Phone: 770.453.9300

2283892R2 WFG 02.24