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Happy Saturday!
My name is Austin Crawford, I’m your host for today.
Just give me a minute to get settled in and we will get started.
You are in the right place, thank you for being on time and early.

Let’s get started.

Tech Check – Thumbs up if you can see and hear
So why are we here? – I do these meetings a few times a week, this is the start of our interview process.
Today will be a group information session about our company, roles, responsibilities, and compensation plans.
Everything a candidate would need to know to prepare for the next steps.
We will move to Q&A at the end where you can ask any questions and then to a one-on-one interview.
The purpose of our time as a group is to prepare for the one-on-one interviews so that you ask the right questions and we move from there in a way that allows us to decide if we want to work together or not.
So that is the process today.
Did I explain that okay? Thumbs up! Thanks for the audience participation.

Chatbox – Where are you coming from today?

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Gene & Lisa Ens

Calgary, Alberta

Former Jobs:

Hospitality

Construction

Sawmill

Security

25+ years

Regional Vice President

MVPs of Team Canada

This is my background so like why am I your host today been here 25 years. I moved up moved up to the company over those 25 years. I love it here. I am not an objective source of information for you. I am very biased. I love what we do. I love how the company treats us here.

MY STORY – WHY I am Here?

Why did I leave what was considered a great paying job?

So over 25 years ago I started putting feelers out there (NAME) to see what was available. I looked at industries never saw myself in the financial industry. In fact, I told the lady that meet with us, I will never work in this industry. I didn't know anything about this industry but when I found this company, it just checked all the boxes for me. What were those boxes Samantha

#1 – I wanted to make a difference

#2 – I wanted to work my own schedule

#3 – I wanted to get paid I was worth

Making a difference in other’s lives while working my own schedule and getting paid what I was worth.

I wanted to feel like I could fulfill my potential and keep growing. I would have left here long ago if that wasn’t an option, do you know what I mean?

So, anyways that's what brought me here check off the boxes here I am after 25 years and I've just never been with a company that kept all their promises to me so if I had to give you a review on PFS that would be the thing it kept every promise they've ever made to me and my family you can see my family there. We love to travel and enjoy the outdoors, all that good stuff anything else you want to know just ask. You can see...(Talk about pictures).

But now that we're all friends let's talk about what's in it for you

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Austin & Briann Crawford

Airdrie, Alberta

Licensed Financial Professional

9+ Years Industry Experience

Team Leader to 20+ Professionals

Previous Career: Pre-Med Student

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NEW CAREER

EARN EXTRA INCOME

FINANCIAL EDUCATION

HELPING PEOPLE

OWNERSHIP

We Have the Answer.

You’re looking for a career change with better income potential. Work anywhere.

You like what you do, but a part-time income would make a difference

You want to learn how to win the money game.

You believe in making a difference and helping others.

You dream of owning your own business.

What Are You Looking For?

“What are you looking for?”

Top 5 Reasons people work with our agency
#1 New Career – WRITE DOWN:

REMOTE WORK – Leaning into that
RUN MY OWN SCHEDULE – We don’t care when the work gets done as long as the work gets done.
HIGHEST PAID INDUSTRY – If you want to be paid what you are worth, this is the place to do it!

#2 We offer a PT career track

If we want to work together, we will find a way to make it happen.
Often that means starting in your off hours, we are very okay with that.
WRITE DOWN:

5-20 hours per week | $1,000 - $4,000 in compensation

That’s a story for thousands of part-timers all over North America.
Great source of extra income while transitioning to full-time if that’s a goal.

#3 Financial Education

People work with us just to learn about money.
Write Down: professional financial licensing

The licensing will make you more marketable for the rest of your life
We pay for your licensing & they belong to you even if we part ways.

What do we do here?

We identify & solve financial problems for companies, their employees, families & individuals, organization & their members. That’s what we do, that’s the front-line work, whether part-time or full-time directly with our clients. OR in a leadership role, we are very interested in finding people to help us with managing training & leading others.

Regardless of the work, you will gain a world-class education.
People are struggling financially, aren’t they?

80% of workers live paycheque to paycheque
The average Canadian has less than $1,000 available for emergencies.
Debt is at all-time highs in Canada.
Retirement being able to stop working someday because you have a passive income from an investment portfolio or Real Estate or a business is becoming a distant dream for most Canadians.
If you are not going through some of these things yourself, you know someone who is. That’s how deep these financial problems go in our society!
Why we are having record growth in our agency is the financial industry sells products with no solution to these problems.
What if there was a company that had the answers the these gigantic problems?

I’m going to show you a client example in a few minutes and why we are frankly dominating our industry.

#4 – Helping People

Some people come and work with us purely just to help people. I’ll be honest with you. This is highly important to me and my primary motivator. Income is a secondary motivator for me. Whether you love helping people or you are highly motivated to earn more income, there is a place for you here.

#5 – WRITE DOWN: Ownership Track

In a typical corporation, you don’t own anything in your career, do you? At the end of your career, what do you have to show for your dedication? A stack of paystubs?
In our corporation, you can have a pathway to OWNERSHIP in the company so that at the end of your career, 5 years, 10 years, 20 years we all have a working life out of us… What if you could have something that you can sell, something you can give to your family, something you can retire on and live off a pension-like income for the rest of your life and pass down that pension-like income to your kids?
WRITE DOWN: Vice President Contact – That’s what that’s called. It is earned through licensing, performance metrics, time & effort. So you can own your own agency & I can own my own agency. We can both be owners. It’s an amazing thing!

So if you are open-minded, we probably have the answer here for you today.
Let’s talk about who is not going to be a fit with us. If anything I say is your queue to exit ZOOM, that’s okay, we wish you the best of luck, I understand that we are not going to be the right fit for everyone.

You MUST be a Canadian Citizen, or permanent resident or have a work permit to work with us with a valid Social Insurance Number (SIN)
We run complete background checks on candidates, it’s got to be clean in general. There are some exceptions, a track record of showing a pattern of poor decision-making on the background check means we are not going to be able to work together.
You must be physically present in Canada to obtain licenses after you have licenses you can work anywhere with an internet connection.
Personally wise:

If you hate working with people, this is not going to be for you.
If you are looking for a place to just do the minimum and pay your bills, and you are NOT interested in fulfilling your potential and bringing more value to the firm, this is not for you.
If you would consider yourself, negative, cynical, skeptical or close-minded, you will be miserable in our culture and this is not for you.

If anything I said there makes you want to run, we wish you the best of luck!

For everyone else, let’s talk about the candidates that we do get excited about.

We love people who are self-starters, motivated to do more, have more, and be more.
Do you love helping others?
Do you love learning and growing yourself?
Do you want to be part of a company with a mission & heart with a story that’s bigger than us?

Notice what I’m not saying. I didn’t say financial background, did I? We don’t care about that, we provide all the training & licensing.
It’s all the intangibles.

Do you care about people?
Do you like helping people become successful whether that’s clients or teammates that you would be leading?

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52%

50%

45%

55%

60%

Real Estate

Agent

Corporate

Head Office

Upper Management

Agency

Brokerage

70%

Our Business Model: Agency Structure

What are the day to day activities / What are the roles?

Our Business Model is based on an agency structure like Real Estate. The basics of an agency structure are based on two roles, an agent & a broker.

The agents role is to work with clients and brokers roles is to hire, train and develop agents.
When an agent develops a client, the agent makes money & broker makes money.
Who would you rather be the AGENT or the BROKER? (WFA)
When we get someone started with us, we allow agents to progress at their own pace to become a broker if they choose.
The difference between an agent & broker is simple.

An agent focuses their time and energy on client development, while a broker has a team of agents and focuses their time and energy on team development. Does that make sense? (WFA)

So to progress to become a broker, we focus on two activities:

Developing a personal client base
Developing a team of agents to become a broker.

Does that answer your question about the day to day activities? (WFA)

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52%

50%

45%

55%

60%

Financial Professional

Corporate

Head Office

Upper Management

Agency

Brokerage

70%

Our Business Model: Agency Structure

What are the day to day activities / What are the roles?

Our Business Model is based on an agency structure like Real Estate. The basics of an agency structure are based on two roles, an agent & a broker.

The agents role is to work with clients and brokers roles is to hire, train and develop agents.
When an agent develops a client, the agent makes money & broker makes money.
Who would you rather be the AGENT or the BROKER? (WFA)
When we get someone started with us, we allow agents to progress at their own pace to become a broker if they choose.
The difference between an agent & broker is simple.

An agent focuses their time and energy on client development, while a broker has a team of agents and focuses their time and energy on team development. Does that make sense? (WFA)

So to progress to become a broker, we focus on two activities:

Developing a personal client base
Developing a team of agents to become a broker.

Does that answer your question about the day to day activities? (WFA)

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Financial Solutions

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Retirement Income:

$36,000 /yr

+ CPP

$120,000 /yr

FIN

$1,695,953

3%

$3,227

6%

$1,153

9%

$378

3%

$257,202

6%

$561,047

9%

$1,317,547

Required Monthly Savings

$25,000 + $250/mth Accumulated Value

Savings = $25,000

Inflation: 3.5%

RETIREMENT YEARS

GROWTH YEARS 35 yrs

$1M+

BANK PROFITS

65

30

85

FINANCIAL INDEPENDENCE NUMBER (FIN)

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Debt Freedom Solution = Debt Free 13 years sooner

Saved $196,810 in interest

With no extra payments

$400,000 insurance on BOTH Bob & Susan

$10,000 protection on both the children

Monthly Amount = $113 (Saved $202/month to INVEST)

Bob & Susan’s Auto & Home insurance.

Monthly Amount = $178 (Saved $51/month to INVEST)

Implemented a Legal Service plan to complete a Will

Bob & Susan moved their RRSPs & TFSAs into professionally managed investments & now contributing $250/mo

At age 65 = $1,312,030

1. Upfront

2. Recurring Monthly

3. Team Profit Sharing

DEBT

LIFE

AUTO & HOME

WILL

INVEST

What date exactly will I become debt-free?

What’s the best strategy & fastest way to pay off my debt?

How much life insurance do I need?

What type of life insurance is most suitable for my situation?

How much should I be paying for life insurance?

How can I find out if I have the best pricing & coverage for home & auto insurance?

How do I get a Legal Will, PD, and POA done?

Lawyers are expensive, what’s the most cost-effective way to get all my legal documents completed?

What is my Financial Independence Number (FIN)?

How much do I need to save every month to be retired?

Where can I put my money to work at 7-9% annually?

Client & Compensation Example

CLIENT EXAMPLE

Look at the result we generated for a minute.

Out of debt 13 years sooner and almost $200,000 in interest
Save them money in debt, taxes & insurance programs
We do all of this for FREE for the client.

Where does the money come from?

Strategic partners
So it’s a very unique process that we have created.

Are we selling them something they do not want or need? Are we adding another bill?

No, quite the opposite. We freed up $250 per month for this family.

What can they do with that extra money?

Get out of debt faster
Create an emergency fund to avoid living paycheque to paycheque
They can get on track for retirement

This is a POWERFUL thing that we do for people. This is how we change people’s lives! Whether you are doing this part-time working directly with our clients or leading a team of people that do this for people, I want you to know that you can make a HUGE difference for people! You can help people in a tremendous way!
What company teaches all this stuff for FREE? There is no company like us!
IMAGINE – what if you were the one that did this for this family?
What if you were the one that created these results?
How would they feel about you?
How would you feel about yourself?
How would they feel about referring you to others?

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Bob & Susan moved their RRSPs & TFSAs into professionally managed investments & now contributing $250/mo

At age 65 = $1,312,030

$25,000 Investment Account Rollover

Auto & Home insurance

Legal/ID Shield

1. Upfront

2. Recurring Monthly

3. Team Profit Sharing

Debt Freedom Solution = Debt Free 13 years sooner

Saved $196,810 in interest

With no extra payments

$400,000 insurance on BOTH Bob & Susan

$10,000 protection on both the children

Monthly Amount = $113 (Saved $202/month to INVEST)

Bob & Susan’s Auto & Home insurance.

Monthly Amount = $178 (Saved $51/month to INVEST)

Implemented a Legal Service plan to complete a Will

$210,601 Mortgage Refinance

Life Insurance

PT $180

FT $180

RVP $340

PT $678

FT $949

RVP $1,491

PT $79

FT $79

RVP $89

PT $80

FT $100

RVP $125

PT $375

FT $412

RVP $525

DEBT

LIFE

AUTO & HOME

WILL

INVEST

PT $1,392

FT $1,720

RVP $2,570

$850

Profit Sharing

$328

Client & Compensation Example

COMPENSATION

WRITE DOWN: We are paid 7 different ways.
#1 – The first way is upfront income from the work we do and the results we create.

We have PT, FT & VP roles. I have exactly what you would be paid upfront for helping this family in these different areas.
HOW MANY FAMILIES WOULD YOU LIKE TO HELP A MONTH?

As many as possible that was my answer!

We have no quotas here, so whether part-time or full-time there is no minimum requirement.
There is also no MAXIMUM. Image that, no ceiling on your income!
At traditional corporations, they want to pay you just enough to keep you working for them while minimizing expenses.
With us, we are revenue producers so the more money we make the more money they make! So it’s a different formula here than traditional corporations & that’s why we have more six-figure income earners than any other company in North America!
That’s just one way we get paid.

#2 – WRITE DOWN: Monthly Residual Income

This blew my mind!
AUM

#3 – WRITE DOWN: Team Profit Sharing

This is ultimately about growing.
Who has trained someone before?

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Independent Business Application (IBA) Licensing Fee

Insurance Licensing Fees:

LLQP Course: $350
Pre-licensing Exam Prep: $120
Life Licensing Exam Fees: $265
Life Licensing Fees: $250
Criminal Rec Check: $40
E & O Insurance: $140

$1,165¹

APPROXIMATE COST TO BECOME LIFE LICENSED

Mutual Fund Licensing:

Course & Exam: $395
License Fees: $425

APPROXIMATE MUTUAL FUNDS LICENSE TOTAL

$820²

TOTAL COST

$1,985

APPROXIMATELY

$99^*

ONE TIME

*Plus applicable taxes. 1. Average figures. Actual costs vary by province. The average pre-licensing education cost for life insurance is $550. The average provincial licensing cost for life insurance includes $120 for the provincial exam fee, $280 for the licensing fee, and $130 for first year Errors & Omissions insurance coverage. 2. In order to qualify for reimbursement of the applicable mutual fund licensing costs, some additional terms and conditions must be met, including but not limited to a full-service POL subscription, and meeting sales production requirements. Not all licensing fees are covered. Please ask your Primerica recruiter to review with you the Securities Licensing Benefit terms and conditions, available on Primerica Online under the Licensing and Education tab.

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mobile applications

$100/mo

mutual funds licensing simulators

client relations manager (CRM)

$500/mo

$199

life licensing software

$55/mo

live and on-demand video training

$50/mo

your own website & reports

morningstar

$625/mo

agent tracking

business tracking & reports

client tracking

Technology Support

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Technology Support

$28/mo

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What’s Next?

Get a clear financial strategy
Minimize insurance costs, taxes & investment risk
Maximize investment return

1

VALUED CLIENT

Learn the Canadian financial industry by getting licensed
Get paid to be your own financial advisor
Send referrals & get paid!

2

SILENT PARTNER

Start part-time for extra income without risk to your current career
Transition to full-time (if desired) for six-figure income & time freedom & flexibility!

3

ACTIVE ADVISOR