YOUR OPPORTUNITY Where do you want to be in 5 years? 10 years? What about right now? What if you could have the benefits of a traditional business career, but without someone else controlling your income, hours, partners and overall job security? Maybe you’re comfortable in your job, but would like to increase your opportunities and income without trying to balance the multiple schedules created for you. Technology is continuing to advance and the business world is rapidly changing. You’re going to be working anyway- shouldn’t you enjoy it? Shouldn’t you control it? Welcome to Financial Education Services. At FES, we’ve combined the flexibility of working for yourself with the stability and management of a business which has already been established and achieved success. You don’t need to invest a bunch of money, store inventory or learn the technology behind our advanced financial programs; you just need the motivation and work ethic to create a strong, dependable team and continue to develop yourself as a leader within your organization. Your opportunities are limitless. The harder you work the more you’ll gain. You’ll also have security in knowing the innovative products and services you are distributing are of the utmost quality and yet are continuously improving. The demand for our services is growing each and everyday, fitting the needs of various people throughout your community, at all stages of life. Make a difference, change your life- know that the hard work you’re putting into today is building and benefiting your financial opportunities for the future. www.myfes.net/BRobinson1

2. The State Of America's Personal & Financial Affairs
• About 43 million people have a 599 credit score or lower (Source: money.msn.com)
• Nearly half of Americans don't know their credit score(Source: Huffington Post Money)
• Average debt is over $225,000 with many having less than $500 in savings
(Source: Investorplace)
• 49% have no retirement and only 18% know they're on track to reach their
income goals for retirement (Source: CNNMoney / Forbes)

3. The State Of America's Personal & Financial Affairs
• 65% have no will, 82% have no trust & 71% have no power of
attorney (Source: Lawyers.com)
• Over $58 billion in unclaimed life insurance policies, bank accounts,
pensions, stocks, other assets and property (Source: CNN Money)
• Every 2 seconds an identity is stolen (Source: Javelin Strategy & Research)

4. What Is The Primary Reason?
A Lack of
Financial
Education!

5. FINANCIAL EDUCATION
SERVICES
We Provide:
• Financial education we needed a long time ago
• Financial solutions with services that protect your
identity, credit, family, finances, lifestyle and future
• Lucrative and promising career opportunities

6. Mike Toloff Parimal Naik
• Founded in 2004
• Headquartered in Farmington Hills, Michigan
• A+ Rating with the Better Business Bureau
• Over 30% consistent annual sales growth
• Debt free
• Same key executives since the company’s inception

7. Why FES?
Think About It…How Many People…
• Have less than perfect credit?
• Have debt and no idea how to pay it off?
• Don’t have their personal & financial affairs in order?
• Don’t have life insurance?
• Can’t even afford an annual vacation?
• Need to make additional income?
• Just want a solution and plan of action?

8. Credit Restoration
• Today your credit score is like a vital sign, it’s
being monitored at all times
• It can impact insurance premiums & interest
rates
• You can be denied the ability to rent, purchase,
get a credit card or even employment

9. Credit Restoration
• Over the course of your lifetime less than an
excellent credit rating could cost you $200,000 -
$1,000,000 (Source: money.msn.com)
4 in 5 credit reports have errors on them causing
l lower credit scores (Source: CBS News)

10. 10 Myths About Your Credit
Myth #1
● Credit Agencies are empowered
with some kind of governmental
authority?
● Credit agencies have no legal
authority at all, they are simply
private companies who are in the
business of selling credit
information.

11. 10 Myths About Your Credit
Myth #2
The credit agencies are required by law
to keep derogatory items on your credit
report for 7 to 10 years?
There is no law that the credit agencies
report anything on you at all. Credit
Agencies are required by law to
automatically remove all derogatory
items older than 7 years or in the case of
a bankruptcy, 10 years.

12. 10 Myths About Your Credit
Myth #3
It is impossible to get a bankruptcy off?
Bankruptcies come off just like any other
derogatory that is incorrectly reported,
obsolete, erroneous, misleading,
incomplete, or that cannot be verified.
Remember, the nature of the item has
nothing to do with its removal under the
Fair Credit Reporting Act.

13. 10 Myths About Your Credit
Myth # 4
The information on your credit report
cannot be changed?
The opposite is true under the Fair Credit
Reporting Act; both the federal and various
state laws REQUIRE that items be
removed if they are not 100% accurate or
cannot be verified in a timely manner.

14. 10 Myths About Your Credit
Myth #5
It is illegal or immoral to have the information
on your credit report altered or removed?
Not only is it not illegal or immoral, but it is
what the Fair Credit Reporting Act is all
about. It was enacted by congress for the
very purpose of protecting consumers from
the intrusion of the credit agencies into our
lives.

15. 10 Myths About Your Credit
Myth #6
Paying a past due debt removes it from
your credit report?
Just because you pay an old debt does not
change or erase the fact that at one time
you were not paying on it as you agreed.
Can this record be changed? Absolutely!

16. 10 Myths About Your Credit
Myth #7
Inquiries are not derogatory and will not affect
your credit standing?
Anything that erodes your financial credibility is
damaging to your credit standing. In the case of
inquiries, one or two is not too bad, but any more
than that and they begin to tell a story of their
own. Any prospective credit grantor will look at
your credit report and think that you are
desperate for credit.

17. 10 Myths About Your Credit
Myth #8
If you get a derogatory item removed, it will
just come back?
Not if it is removed legally. When it is
removed with cause under the Fair Credit
Reporting Act it cannot legally be placed
back on your credit report. The same law
that required its removal prohibits it from
being placed back on.

18. 10 Myths About Your Credit
Myth #9
The past equals the future.
This is the biggest myth of all. The concept
that once bad, always bad, or at least for 7
years is totally false. Anybody can run into
hard times or an emergency situation now
and then, but that doesn't automatically
mean that they are a poor credit risk for a
magical 7 years. The simple truth is, no
credit report can predict the future.

19. 10 Myths About Your Credit
Myth # 10
I cannot restore my credit on my own?
Yes, you can! You can try to do it yourself
(just like you can represent yourself as an
attorney in a court of law). But you can
also allow experienced professionals to
educate you and assist you in restoring
your credit profile.

20. You Can Restore Your Score
● The Fair Credit Reporting Act of 1971
gives Americans the right to dispute and/or
investigate any item on their credit report:
Inaccurate, erroneous & obsolete items
such as late payments, charge-offs,
foreclosures, judgments, repossessions,
bankruptcies, tax liens, collections, short
sales, medical bills, and many other items
can be removed from your credit file or can
be updated to reflect paid as agreed.

21. What Makes Up Your FICO Score
Type of
Credit
10% New
Credit
10%
Length of
Credit History
15%
Amounts
Owed
30%
Payment
History
35%
“How is your credit score determined?”

25. CREDIT RESTORATION
United Credit Education Services
● Over 10 year history & track record
● “A+” Rating with the BBB
● Removed over 800,000 derogatory
items from people’s credit reports
● Removed almost 100,000 public records
● 100% Satisfaction guarantee
● Tens of thousands of satisfied clients

26. DOCUMENTATION
just two months, my credit score increased to the
point that my car insurance premium was lowered
by $2,000 per year!”
~ Yvette Reid, Cherry Hill, NJ
Individual Results May Vary.. Some Of The Testimonials Given May Also Be Independent Agents Of FES
“My credit score went from a 586 to a 748
allowing me to purchase a new car with no
money down and a very low monthly payment!”
~ Bryan Fallucca, Ft. Lauderdale, FL

27. DOCUMENTATIONIndividual Results May Vary.. Some Of The Testimonials Given May Also Be Independent Agents Of FES
After having our bankruptcy removed, we were able
to purchase a home with a low, fixed interest rate,
which saved us almost $1,000 per month.” ~
Johnny & Sandra Moler, Dallas, TX
“After just 45 days I had a tax lien and a foreclosure
deleted from my credit reports!”
~ Vinny Ho, Westminster CA

28. Credit Card Charge Off/Collections

29. Medical Bills/Auto Repo/Student Loans
Charge Offs

30. Medical Bills

31. Collections

32. Student Loans/Charge Offs

33. Charge Offs/Auto Repo/Foreclosure

34. Monthly Option Available
(No Contract)
What Would It Be Worth To
Have Excellent Credit?
One Year Service= $499

35. The Protection Plan Membership
A Plan That Protects Your Identity, Credit,
Family, Finances, Lifestyle & Future!

36. What's In Your
Protection Plan Membership?

37. Other Valuable Credit Building Services
Credit Monitoring – Access to your credit,
insurance scores and credit reports 24/7. Alerts if
there is any change in your credit history or credit
scores.
Positive Credit Builder – Analysis of your credit
profile with specific recommendations on building
a positive credit rating.
Credit Attorney – Taking legal action to fix credit
reports, preventing abusive debt collectors and
suing for money damages.

38. Identity Theft Protection
• FTC says 9 million Americans have their identity stolen
each year
• LifeLock® watches over and protects your identity
• The web is being patrolled at all times for the illegal selling
or trading of your personal information
• Up to a $1 MILLION service guarantee!

39.  Online debt payoff system helping you pay off your debts
faster and more effectively
 Interactive budgeting tool
 Know exactly what time frame you will be out of debt
 Out of debt in nearly half the amount of time with the same
monthly payment
 Once your debts are paid, if you take the same amount of
money and invest just the amount you were paying in interest
you would have a significant amount of money set aside for
retirement!

40. Will, Trust, POA & Financial Lockbox
A program developed by attorneys to complete at your own
pace from the comfort of your home
Update as needed with no add-ons or surprise fees
Secure all your important information in this virtual password-
protected safety deposit box
Easy to use services with client support available

41. • Travel with confidence! Use your own FES custom discount travel
portal
• Access to thousands of the finest hotels, resorts and condos in more
than 90 of the world's top vacation destinations! Packages include
some of the best all-inclusive resorts in the Caribbean and Mexico
• Custom trips that are thought of by you and carried out by a personal
specialist. Options include: Family Cruises, Group Cruises, Grand
Voyages, Destination Weddings, Luxury Vacations, African Safaris,
Escorted Tours, and more!
• Save big on Flights, Hotels, Car Rentals and Vacation Packages!
• Create a Custom Trip of a lifetime with unprecedented savings!

42. Additional Benefits:
• Shop online at your favorite
retailers
• Get cash back on all your
purchases
• Receive discounts ranging
from 10% to 85%
• Accepted at over 60,000
pharmacies nationwide

44. Over $10,000
Individually
or Over $400
Per Month
What Is Protecting Your Family,
Lifestyle & Future Worth?

45. What Is Protecting Your Family,
Lifestyle & Future Worth?

46. • Educates Young People From Ages 8 to
18 On The Matters Of Personal Finance.
• Financial Literacy In Schools Across
America.
• Annual College Scholarships – The YFL
Gave Away $50k in 2015.
• Each Protection Plan Membership
Donates $2 Each Month To The YFL.
Youth Financial Literacy Foundation (YFL)

47. Just A Quick Recap
Decide which service is the best fit for you:
Option A - Credit Restoration Service - $499
Option B – Protection Plan Membership -$87
Congratulations On Restoring
Your Credit Score!

49. How Many People Today Control Their…
Income? Schedule? Advancement?
Benefits? Retirement & Future?

50. Welcome To
Hybrid Marketing…
“Where Corporate
America Meets
Entrepreneurship”

51. How Do We Earn Income?
WE HAVE TWO DIVISIONS
Developing Corporate Accounts,
Membership Sales & Sales of Individual
Services
&
Business Development: Recruit, Train &
Manage A Nationwide Sales Organization

52. Corporate Accounts
Industries that require credit worthy clients
and/or have clients with damaged credit.
Real Estate AgentsCar DealershipsMortgage Brokers
Tax ProfessionalsBankruptcy Attorneys
Loan Modification / Debt
Settlement Companies

53. Additional Corporate Account Opportunities
Employee Payroll
Deduction
Offering Protection Plan
Memberships To
Companies, Large
Organizations & Unions
Add Apartment Or
House Rental Payments
As A Positive Trade Line
To Credit Reports
Refer Businesses
For A Free
Analysis Of Their
Merchant
Services To Save
Up To 20% On
Rates & Fees

54. We Earn Income & Benefits Several Ways
- Personal Sales Commissions
- Team Building Bonuses
- Management Bonuses
- Residual Income
- Lifestyle Benefit Program
- Trips, Rewards & Cash Incentives

55. For each $499
Credit Restoration
sale, you can earn
$150!!!
Sales Commissions
*Fast Track Bonus - 1st
sale must be made
within new Agent’s 1st
30 days.
Agent
with a
Protection
Plan
$150
Customer
$150
Customer
$150
Customer

56. Theoretical Example:
Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of
financial success an Independent Agent can achieve.
All examples are purely theoretical for explanation purposes only. All income you receive will depend upon
your individual effort and ability.
If you only got 1 customer per
week = $600.00/Month
If you got 5 customers per
week = over $3,000.00/Month
If you got 15 customers per
week = over $100,000.00/Year

57. Business Development
“It’s better to get 1%
of a hundred people’s
efforts rather than
100% of your own.”
~ J. Paul Getty, Billionaire

58. Customer Acquisition Bonuses
Enroll a new Agent with a Protection Plan Membership
and help them produce $340* in sales within their
first 70 days.
*Any combination of sales that total $340 will trigger a Customer Acquisition Bonus
Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve.
All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
AGENT
PPM
AGENT
$100 CAB + Residual
**Monthly Agent Team Volume

59. Customer Acquisition Bonuses
Enroll a new Agent with a Protection Plan Membership
and help them produce $340* in sales within their
first 70 days.
*Any combination of sales that total $340 will trigger a Customer Acquisition Bonus
Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve.
All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
PPM
AGENT
FIELD TRAINER
1,600 Team Volume**
$160 CAB + Residual
**Monthly Agent Team Volume

60. Customer Acquisition Bonuses
Enroll a new Agent with a Protection Plan Membership
and help them produce $340* in sales within their
first 70 days.
*Any combination of sales that total $340 will trigger a Customer Acquisition Bonus
Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve.
All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
PPM
AGENT
SENIOR FIELD TRAINER
5,000 Team Volume**
$240 CAB + Residual
**Monthly Agent Team Volume

61. Customer Acquisition Bonuses
Enroll a new Agent with a Protection Plan Membership
and help them produce $340* in sales within their
first 70 days.
*Any combination of sales that total $340 will trigger a Customer Acquisition Bonus
Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve.
All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
PPM
AGENT
SALES DIRECTOR
10,000 Team Volume**
$380 CAB + Residual
**Monthly Agent Team Volume

62. Customer Acquisition Bonuses
Enroll a new Agent with a Protection Plan Membership
and help them produce $340* in sales within their
first 70 days.
*Any combination of sales that total $340 will trigger a Customer Acquisition Bonus
Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve.
All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
**Monthly Agent Team Volume
PPM
AGENT
FIELD TRAINER
1,600 Team Volume**
PPM
AGENT
$100 CAB + Residual$60 CAB + Residual

63. Customer Acquisition Bonuses
Enroll a new Agent with a Protection Plan Membership
and help them produce $340* in sales within their
first 70 days.
*Any combination of sales that total $340 will trigger a Customer Acquisition Bonus
Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve.
All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
**Monthly Agent Team Volume
PPM
AGENT
PPM
AGENT
SENIOR FIELD TRAINER
5,000 Team Volume**
$100 CAB + Residual$140 CAB + Residual

64. Customer Acquisition Bonuses
Enroll a new Agent with a Protection Plan Membership
and help them produce $340* in sales within their
first 70 days.
*Any combination of sales that total $340 will trigger a Customer Acquisition Bonus
Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve.
All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
**Monthly Agent Team Volume
PPM
AGENT
PPM
AGENT
SALES DIRECTOR
10,000 Team Volume**
$100 CAB + Residual$280 CAB + Residual

65. Customer Acquisition Bonus (CAB)

66. Theoretical Residual Income Example:
The POWER of the Protection Plan Membership

67. Theoretical Residual Income Example:
The POWER of the Protection Plan Membership
$75,000/mo
Financial Education Services, Inc., and any of their affiliate companies make(s) no
guarantees to the level of financial success an Independent Agent can achieve.
All examples are purely theoretical for explanation purposes only. All income you
receive will depend upon your individual effort and ability.

68. Theoretical Residual Income Example:
The POWER of the Protection Plan Membership
$75,000/mo
$7,500/mo
Financial Education Services, Inc., and any of their affiliate companies make(s) no
guarantees to the level of financial success an Independent Agent can achieve.
All examples are purely theoretical for explanation purposes only. All income you
receive will depend upon your individual effort and ability.

69. Theoretical Residual Income Example:
The POWER of the Protection Plan Membership
$75,000/mo
$7,500/mo
$750/mo
Financial Education Services, Inc., and any of their affiliate companies make(s) no
guarantees to the level of financial success an Independent Agent can achieve.
All examples are purely theoretical for explanation purposes only. All income you
receive will depend upon your individual effort and ability.

70. Building Towards Rest, Relaxation, & Retirement!!!
The FES R & R Club
(The Accumulation Of Personal & Team PPM – Min. 500 PPM Required)
Up To $600 Monthly
Audi Payment
Onetime $10K, $25K & 50K
Cash Bonuses
Up To $1,500 Monthly
Audi Payment
$5k Monthly House
Payment
Monthly Retirement Bonus
Up To $25k
From $100K - $250K
Monthly Lifetime Bonuses
Financial Education Services, Inc., and any of their affiliate companies make(s)
no guarantees to the level of financial success an Independent Agent can achieve.
All examples are purely theoretical for explanation purposes only.
All income you receive will depend upon your individual effort and ability.

71. TRAINING & SUPPORT

72. MAKING A BIG DECISION
1. It’s not for me at this time, but I
certainly know some people this may
be a good fit for or who definitely can
benefit from these services.
2. I need some of the individual services
myself or it might just be best for me to
become a Protection Plan Member.

73. By Becoming A Referral Agent And Getting 5 PP Customers
You’ll:
●Get All Of The Services For Free
●Be Eligible For Up To $100K In Life Ins
●Earn Over $700 Per Year
“SOMETHING TO CONSIDER”
“So basically, the company is paying you over $700 per year
to utilize the power of the Protection Plan and to have up to
$100K in life insurance!”
MAKING A BIG DECISION
Protection That Pays!
YOUYOU

74. MAKING A BIG DECISION
1. It’s not for me at this time, but I
certainly know some people this may
be a good fit for or who definitely can
benefit from these services.
2. I need some of the individual services
myself or it might just be best for me to
become a Protection Plan Member.
3. This makes perfect sense! I just need
a game plan on how to get started!
1.
2.
3.

75. STEPS TO GETTING STARTED

76. Option A – Referral Agent: $286
$199 Enrollment + $87 Protection Plan Membership
Focus:
●Acquiring Customers
●Getting Services for Free
●Building a Team of Agents
●Up to $100K in Life Insurance
●Supplemental Income
STEPS TO GETTING STARTED
Step #1 - Enroll & Become an Agent

78. STEPS TO GETTING STARTED
Exclusive Money Saving Services That Protect Your
Identity, Credit, Family, Finances, Lifestyle & Future!

79. Insurance Solutions
*Up To $100,000
Life Insurance
•No Medical Exam!
•It’s FREE In Your PPM!
* For Agents Only
• Home and Auto Insurance
• Renter’s Insurance
• Health Insurance
• Dental/Vision/Hearing
• Other Important Insurance Products
You have access to experienced
insurance professionals for a no cost
consultation for all your insurance
needs. * Must Meet Eligibility Requirements

80. Option B – Pro Business Builder: $475
$199 + $87 + $189 Secrets of Success Training
Focus:
●Acquiring Customers
●Getting Services for Free
●Up to $100K in Life Insurance
●Earning a Significant Income & Financial Freedom
●Building a Substantial Team of Agents
●R&R Club Membership
STEPS TO GETTING STARTED
Step #1 - Enroll & Become an Agent

81. FES University Secrets of Success
What You And Your Team Will Learn:
GETTING STARTED
✓ How to Establish Corporate Accounts
✓ How to Develop Credit Restoration Customers
✓ How to Sell Protection Plan Memberships
✓ How to Recruit a Team of Agents
✓ How to Manage a Nationwide Organization
✓ How to Understand and Maximize the Compensation Plan
✓ How to Build a Long-Term Residual Income
✓ The Right Mindset and Attitude for Success With FES
✓ Much More!
LEARN FROM TOP PRODUCERS
HOW TO BE A TOP PRODUCER!

82. How To Expose People To Financial Education Services
“Become great at exposing while you learn to become great at explaining.”
STEPS TO GETTING STARTED
EDIFY &
PROMOTE
CONTACTS
YOU
FES Experts

83. This Means Two Things!
1. It doesn’t matter who invited you to
take a look at FES or who enrolls
you because they can’t impede
your success.
1. You can plug people that you know
into the system and they might go
out and do better than you!

84. Just A Quick Recap
Decide which category is the best fit for you:
# 1 – Not interested but can provide some referrals
# 2 – Become a PPM or get individual services
# 3 – Become an Agent and secure a solid financial future
•Option A – Referral Agent - $286
•Option B – Pro Business Builder - $475
8
4
Congratulations And Welcome
To The FES Team!