1.
bUILDING
A FINANCIAL
FOUNDATION
BUILDING A FINANCIAL FOUNDATION v

2.
DO IT RIGHT!
There is a
Big Difference Between
BUILDING A FINANCIAL FOUNDATION
and
GET-RICH-QUICK SCHEMES.
BUILDING A FINANCIAL FOUNDATION v

3.
TAKE CONTROL OF yOUR FUTURE
you can build
a proper financial foundation
BUILDING A FINANCIAL FOUNDATION v

4.
wEALTH wITH RESpONSIBILITy the x-curve concept of
wealth responsibility
the wealth*
formula
You can build
a successful
financial future!
You must take care of your
*This is a concept/goal developed by World Financial Group (WFG)
for illustrative purposes only. In no way does this statement offer,
responsibilities while building
guarantee, or otherwise imply any financial gain or reward as a
result of joining WFG. The term “wealth” is subjective and must be
your wealth.
defined on an individual basis.
BUILDING A FINANCIAL FOUNDATION v

5.
pAy yOURSELF FIRST save early
MR. START EARLY saves $3,600 per year
for 7 years in an 8% tax deferred account.
MR. WAIT LONGER starts saving $3,600
per year for 17 years in an 8% tax deferred
account, 7 years later than Mr. Start Early.
small changes,
big money
BUILDING A FINANCIAL FOUNDATION v

6.
HOw MONEy wORKS the power of compounding interest
The Rule of 72, as a mathematical concept, approximates the number of years it would take to double the principal at a constant rate of return. However,
the performance of investments fluctuates so the actual time it takes an investment to double cannot be predicted with any certainty, and there is no
guarantee that an investment or savings program can outpace inflation.
All figures in the above chart are for illustrative purposes only and do not reflect an actual investment in any product. Additionally, they do not reflect the
performance risk, expenses or charges associated with an actual investment. Past performance is not an indication of future results.
BUILDING A FINANCIAL FOUNDATION v

7.
UNDERSTAND THE REAL RATE OF RETURN the effect of taxes and inflation
on your purchasing power:
EXAMPLE 1: EXAMPLE 2:
If you save.................... $100.00 If you save.................... $100.00
at 3% Interest.............. + 3.00 at 5% Interest.............. + 5.00
Pay Tax at 25%............ - .75 Pay Tax at 25%............ - 1.25
(Combined Fed State)........ _________ (Combined Fed State)........ _________
Net After Tax................ $102.25 Net After Tax............... $103.75
Inflation at 3.5%.......... - 3.50 Inflation at 3.5%.......... - 3.50
Actual Return............... $ 98.75 Actual Return After.... $100.25
(After Tax Inflation) (After Tax Inflation)
You Lose! You must get about 5% or more
in interest to beat taxes and inflation.
THE COST OF LIVING IN 1978*
Average Income Per Year: $17,000
Average Cost of a New House: $54, 800 Are you
Average Rent: $260 winning or losing
Cost of a Gallon of Gas: 63 cents in the money
Dozen Eggs: 48 cents
Average Cost for a Chevrolet Nova: $3,823
game?
*www.thepeoplehistory.com/1978
Assumes 25% tax bracket. The rates of return chosen are for illustrative purposes only, and do not reflect the actual investment in any product. Nor should it be
viewed as an indication of performance for any particular investment. They do not reflect the performance risks, expenses or charges associated with any actual
investment. Tax and/or legal advice not offered by World Financial Group or any of its affiliated companies. Please consult with your personal tax professional or
legal advisor for further guidance on tax or legal matters.
BUILDING A FINANCIAL FOUNDATION v

8.
BE CERTAIN IN THE UNCERTAIN TIME Know the risKs
scenario 1:
$ $
$ $
$ $
scenario 2:
$ $
$ $
$ $
This is a hypothetical example for illustrative purposes only and does not reflect the actual investment in any product. Therefore, the outcome does not reflect risks,
expenses or charges associated with any actual invesment. Past performance is not an indication of future performance. Actual results may vary substantially from
the figures in the example. All rates of return are hypothetical and are not a guarantee of future performance of any asset, including insurance or other financial
products. Higher rates of return have been associated with higher volatility.
BUILDING A FINANCIAL FOUNDATION v

9.
protect how to calculate
your family
TAKE CARE OF yOUR FAMILy
your protection need
tHE diME MEtHOd
Combined credit cards, loans,
and other debts.
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 by WGS unless special exceptions apply.
the odds of life what is your family’s
before age 65* most important asset?
It’s your ability to generate income!
*www.guardiandibrokerage.com BUILDING A FINANCIAL FOUNDATION v

10.
KNOw yOUR pRIORITy building a solid
financial foundation
Like building a house,
you must build it
from the ground up.
Build it right.
Build it strong.
manage your debt create an
emergency fund
You should set aside 3-6 months
income to help cope with emergencies
and unexpected changes:
Scenario 1 Scenario 2
Pay Minimum Pay a Little More
(2.5% per month): $112.50 than Minimum: $145/month
Time Pay: Over 25 years Time Pay: Less than 4 years
Total Total
Interest Paid: Over $6,000 Interest Paid: About $1,600
*Making Sense of Your Money, 2007
BUILDING A FINANCIAL FOUNDATION v 0

11.
GET STARTED NOw managed growth
Can it potentially GROW
to achieve your goal?
Is it SAFE enough?
Does it have TAX ADVANTAGES?
ADVANTAGES
Does it have the proper
PROTECTION for your family?
Build it with confidence.
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.
BUILDING A FINANCIAL FOUNDATION v

12.
World System Builders is a team of individual World Financial Group associates working toward the common goal
of building a better financial services industry, while helping their clients reach their financial goals.
U.S.:
World Financial Group, Inc. (WFG) is a financial services marketing company whose affiliates offer life insurance and a broad array of financial products and services.
Insurance products are offered through World Financial Group Insurance Agency, Inc. (WFGIA) or its subsidiaries. WFG and WFGIA are affiliated companies.
Headquarters: 11315 Johns Creek Parkway, Duluth, GA 30097-1517, PO Box 100035, Duluth, GA 30096-9403. Phone: 770.453.9300. WorldFinancialGroup.com
Canada:
World Financial Group Insurance Agency of Canada Inc. offers life insurance and SEG funds. Mutual funds, and Scholarship Plans in Ontario and Quebec, are offered through WFG Securities of Canada Inc.
Headquarters: 3700 Steeles Avenue W., Suite 400, Vaughan, ONL4L 8M9. Phone: 905.265.9005. Fax: 905.265.9044.
World Financial Group Insurance Agency of Canada Inc. and WFG Securities of Canada Inc. are members of the World Financial Group family of companies.
World Financial Group and the World Financial Group logo are registered trademarks of AEGON Asset Management Services, Inc. Used with permission.
BUILDING A FINANCIAL FOUNDATION v