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This presentation and the contents within are intended to provide broad financial education and should not be construed as advice or a recommendation to take any action.

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FACING THE CHALLENGES

Bad habits and�poor decisions can add up.

NO BUDGET

NO GOALS

SPENDS A LOT

INCREASING DEBT

NO EMERGENCY FUND

PAYCHECK-TO-PAYCHECK

NOT INTERESTED IN THEIR

FINANCIAL FUTURE

What do the wealthy know that the rest of us do not?

WSB – SAVING YOUR FUTURE

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PEOPLE ARE LIVING LONGER

1 U.S. Census Bureau, 2023 National Data Population Datasets. https://www.census.gov/data/datasets/2023/demo/popproj/2023-popproj.html�2 National Center for Health Statistics, U.S. Fertility Rate Drops to Another Historic Low. https://www.cdc.gov/nchs/pressroom/nchs_press_releases/2024/20240525.htm

3 U.S. Census Bureau, Census Bureau Releases New Estimates on Families and Living Arrangements. https://www.census.gov/newsroom/press-releases/2024/families-living-arrangements.html

4 Centers for Medicare & Medicaid Services, NHE Fact Sheet 2022. https://www.cms.gov/data-research/statistics-trends-and-reports/national-health-expenditure-data/nhe-fact-sheet

5 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.

Challenges in an aging world:

Lower birth rates²
More single parents³
Increasing health concerns⁴
Appropriate housing and supervision
Transportation, mobility
Wealth transfer, health directives
Financial security: Social Security, �savings, taxes⁵

Are you too busy during the first half of your life to prepare for the second half?

TOTAL LIFE EXPECTANCY AT BIRTH¹
	2023	2030	2060
TOTAL	81.5	83.95	87.8
Males	79.3	82.0	86.2
Females	83.8	85.9	89.4

WSB – SAVING YOUR FUTURE

People are living longer. Take a look at this projected life span of males and females in 2030 and 2060.

With that comes many challenges in an aging world:

We’re seeing a decline in number of people having children, even more single parent families, and the cost for health care increasing.

As we get older there may be hurdles with the proper housing, who watches and cares for us/them, and certainly about our transportation and mobility,

We’re faced with having to deal with transferring wealth, finalizing our health directives.

And of course, making sense of our overall financial security regarding things like government benefits, savings and taxes.

Regardless of the number of challenges we’re faced with, we must over come them.

Ask yourself: are you too busy during the first half of your life to prepare for the second half?

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BUILDING A FINANCIAL FOUNDATION

Financial education helps build strong financial foundations.

INVESTMENT

Your current financial situation

Your future financial goal

Without a strong foundation, your financial house won’t stand!

20x income

6+ months

10x income

0

?

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EMERGENCY FUND

DEBT MANAGEMENT

PROPER PROTECTION

WSB – SAVING YOUR FUTURE

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THE X-CURVE CONCEPT

Formula 10/20:

You may need 10 times your income to protect your family.

You may need 20 times your income to take care of your future retirement.

DIME METHOD

WEALTH FORMULA

+ Time

+/- Rate of Return

- Inflation

- Tax

= Wealth

+ Money

The DIME Method is only one method to help determine a client’s insurable need. However, an insurable need of more than 10 times the client’s current income may not be accepted, unless special exceptions apply. Individual situations may vary. Individuals should always consult with their insurance agent/professional to ensure that they have proper protection that meets their unique needs. This is a concept/goal developed by World Financial Group Insurance Agency, LLC (WFGIA) for illustrative purposes only. In no way does this statement offer, guarantee or otherwise imply any financial gain or reward as a result of joining WFGIA. The term “wealth” is subjective and must be defined on an individual basis. World Financial Group and its independent agents do not offer tax and/or legal advice. Please consult with your personal and/or legal professional for further guidance.

+ Debt

+ Income x 10

+ Mortgage

+ Education

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= Insurable Need

WSB – SAVING YOUR FUTURE

This brings us to our next concept, the X-curve – a powerful concept that shows the general relationship between responsibility and building wealth.

Over time, there are two things we want to be able to take care of…

One curve is about taking care of our family. In the beginning they need much care, protection, and they are a high level of responsibility. One way of ensuring proper protection of our responsibilities is using the DIME Method. By adding up our debt, replacing our income (multiplying it by 10), outstanding mortgage, and lastly adding how much we would like to contribute to our children’s higher education, equals our insurable need. Over time, we can see that responsibility decrease as debt and mortgage get paid off, and kids finish school and grow up.

The other curve is one of building wealth, or a way to look at it, taking care of yourself and your financial future. This increasing curve can be illustrated by a simple method called the Wealth Formula. Money, plus time, plus or minus the rate of return on our money, minus inflation, less taxes equals our wealth.

A good rule to use is something called the Formula 10/20. Meaning you may need 10 times your income to protect your family. And you may need 20 times your income to take care of your future retirement.

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Did you know an extra $100/month can dramatically save time and reduce your debt!

CONTROL YOUR DEBT

For illustration purposes only.

Is debt affecting your way of life?

You can prevent debt from impacting your future!

WSB – SAVING YOUR FUTURE

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THE COMPOUND EFFECT OF MONEY

The Real Rate�of Return

Rule of 72: Divide 72 by the rate of return.�The answer is the number of years it takes to double your money.

72 / 6 = .

Doubles every 12 yrs.

Years

6%

Initial Amount

$10,000

12

$20,121

24

$40,489

72 / 8 = 9

Doubles every 9 yrs.

Years

8%

Initial Amount

$10,000

9

$19,990

18

$39,960

72 / 10 = 7.2

Doubles every 7.2 yrs.

Years

10%

Initial Amount

$10,000

7

$19,487

15

$41,772

27

$79,881

22

$81,403

29

$158,631

Divide 72 by an annual interest rate to calculate approximately how many years it takes for money to double (assuming the interest is compounded annually). Keep in mind that this is just a mathematical concept. Interest rates will fluctuate over time, so the period in which money can double cannot be determined with certainty. Additionally, this hypothetical example does not reflect any taxes, expenses, or fees associated with any specific product. If these costs were reflected the amounts shown would be lower and the time to double would be longer.

36

$81,472

$159,682

12

$309,126

Note: This is an example to illustrate a concept and does not represent any specific product.

Example:

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If you save

at 5% interest

$100.00

+ 5.00

Pay a 25% income tax

- 1.25

(assumed effective tax rate)

Net after Tax

$103.75

Inflation at 3%

- 3.00

Actual return

$100.75

(after tax and inflation)

WSB – SAVING YOUR FUTURE

Now let’s look more into the Wealth Formula. In the next few sections we’ll be talking about Rate of Return, Inflation and Taxes, and how they can all impact our wealth.

(read slide)

By using the Rule of 72, we can calculate how much an initial principal of $10,000 changes with different interest rates.

By dividing 72 by the rate of return (or interest), equals to the approximate number of years it takes for the money to double.

Note that numbers here are actual values compounded annually. This an example to illustrate a concept and does not represent any specific product.

For example, imagine saving $10,000 in a place with an interest of 6%.

Using the Rule of 72, 72 divided by 6 equals 12, thus every 12 years the money would “double”.

12 years from now, that money would “double” to $20,112.

24 years from now, “double” to $40,489.

36 years from now, “double” to $81,472.

If in a place that grows at 8%, that same $10,000, would now double every 9 years.

From $19,990, 9 years from now, to $39,960 18 years from now.

And 27 years from now, grow to be $79,881.

36 years from now, $159,682.

If in a place that grows at 10%, that same $10,000, would now double every 7.2 years.

7 years from now, ”double” to $19,487.

15 years from now, $41,772.

22 years from now, $81,403.

29 years from now, $158,631.

And finally 36 years from now, $309,126.

So you can see how easy it is to roughly calculate compound interest using the Rule of 72.

Additionally, take a look at year 36, you can see the difference 2% and time makes. The difference between 6% and 8% is two percent, however the resulting amount at age 36 is nearly twice the amount. Also as with 8% and 10%.

Let’s look at an example: if you save $100 and put it into a place that gave you 5% interest, you would have an interest of $5.

Presuming an effective 25% income tax, it would reduce your total by $1.25 giving you a net total of $103.75.

After factoring in inflation (using an average of 3%), you would have an actual return of $100.75. What does this mean?

Do you need around 5% interest to break even on your money? It’s important to understand the real rate of return.

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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

10%

$1,130,243

8%

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

SAVING YOUR FUTURE

With discipline and budgeting, you can do it!

WSB – SAVING YOUR FUTURE

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INFLATION: THE SILENT KILLER

AVERAGE COST OF LIVING

The 70s

The 90s

TODAY

New Home²

Gallon of Gas³

Loaf of Bread⁴

Wages⁵

$23,400

$123,000

$535,800

$0.36

$1.34

$3.43

25 cents

70 cents

$1.54

$9,350

$28,970

$65,470

Years�From Now

Purchasing Power Decreases to

Inflation Increase:�Amount to Equal $100

$86

$116

10

$74

$134

15

$64

$156

20

$55

$181

5

WHAT WILL YOUR $100 DO IN THE NEXT 20 YEARS?

Assuming a 3% inflation rate.

$4,000

PER MONTH

$7,224

PER MONTH

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RETIRE IN�TODAY’S DOLLARS

SAME

VALUE

IN 20

YEARS

1 Bureau of Labor Statistics. https://data.bls.gov/pdq/SurveyOutputServlet�2 New Residential Sales – Historical Data. United States Census Bureau. https://www.census.gov/construction/nrs/historical_data/index.html�3 U.S. All Grades All Formulations Retail Gasoline Prices. https://www.eia.gov/dnav/pet/hist/LeafHandler.ashx?n=PET&s=EMM_EPM0_PTE_NUS_DPG&f=A�4 Average Price Data. U.S. Bureau of Labor Statistics. https://www.bls.gov/charts/consumer-price-index/consumer-price-index-average-price-data.htm�5 May 2020 National Occupational Employment and Wage Estimates United States. U.S. Bureau of Labor Statistics. https://www.bls.gov/oes/current/oes_nat.htm

WSB – SAVING YOUR FUTURE

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UNDERSTAND YOUR TAXES

Knowing the tax impact of your money�is important to build your financial future!

WHERE DO YOU PUT YOUR MONEY?
TAX NOW	TAX LATER	TAX ADVANTAGED
CHECKING SAVINGS CD STOCK^* MUTUAL FUND^*	401(k)/403(b) IRA/SEP-IRA ANNUNITY PENSION	ROTH IRA� 529 COLLEGE SAVINGS MUNICIPAL BOND HEALTH SAVINGS� ACCOUNT (HSA) LIFE INSURANCE� LONG-TERM CARE BENEFIT

* Stocks and mutual funds are taxed now if the gain is realized.�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.

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WSB – SAVING YOUR FUTURE

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MANAGED GROWTH STRATEGY

GROWTH

SAFETY

TAX

ADVANTAGE

PROTECTION

When saving and investing, consider these important factors.

Manage risk and preserve your principal.

Tax deferred and tax advantaged vehicles can play a significant role in building wealth.

Protect your income, assets, and your life.

Prepare for long-term�care, disability, and�chronic illness.

Your rate of return must be high enough to beat taxes and inflation.

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WSB – SAVING YOUR FUTURE

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Education

?

When building a house, you need to make sure all aspects of the house (the foundation, roof, electrical, plumbing, interior…) are all working together. The same applies when building�your financial future.

BUILDING YOUR FUTURE

Assets

Estate

Taxes

Education

Protection

Budgeting

Longevity

Liabilities

Retirement

Protection

Budgeting

Liabilities

Assets

Retirement

Taxes

Longevity

Estate

WSB – SAVING YOUR FUTURE

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YOU NEED A FINANCIAL CHECK UP

If you have the will, we can provide the vehicle.�Financial security is not a dream. It is a priority.

WSB – SAVING YOUR FUTURE

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Will your current situation allow you�to reach your goals?

One more note…

Be part of the campaign that is revolutionizing the financial industry with a system that bridges financial education and financial independence.

Consider this:

Making extra income on a part-time basis
Multiple sources of income

WSB – SAVING YOUR FUTURE

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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

3657845 WFG 06.24