1. Putting Your
Money to Work
For You

2. Your Financial Future
Can Start Today • Most people are uncertain when it comes
to nances.
• You know it’s important to start now -
take control of your money and make it
work for you.
• But navigating the maze of all things
nancial can be a daunting and
confusing journey.
Where do you
begin?
2

3. Begin With World
Financial
Group
• WFG is dedicated to serving the
nancial needs of individuals and
families from all walks of life who
are often overlooked by the
nancial services industry.
• We are driven by our
mission to help families
achieve nancial
independence.

4. A Different Kind of Company for
A Different Kind of Consumer
• Everyday our associates in the United States and
Canada educate clients and business owners that
nancial choices made today are critical in the
determination of their nancial futures.
• WFG believes creating a nancial strategy is not
something reserved for the wealthy; it is an
opportunity for all people no matter what their
income.
4

5. A Different Kind of Company
• There’s no “one size
ts all” attitude here - WFG
advocates the power of choice for our clients.
• WFG is aligned with several leading companies in the
nancial services industry to provide clients with a
broad array of products and services so they can
choose the ones that best t their needs.
5

6. Providers & Products
Our provider companies include
industry leaders such as:
1 1
1 1
1
1 Maintains current selling agreement(s) with World Financial Group Insurance Agency, Inc. (WFGIA) or its subsidiaries and/or World Group
Securities, Inc. (WGS).
6

7. Providers & Products
Products offered through our alliances include:
- Mutual Funds2 - College Funding/
- Annuities2 529 Plans3
- Life Insurance2 - Pensions/401K3
- IRAs/Roth IRAs2 - Brokerage Services2
- And much more.
2 Securities offered through World Group Securities, Inc. (WGS). WGS is not a licensed insurance entity. Insurance products are offered
through World Financial Group Insurance Agency, Inc. (WFGIA) or its subsidiaries. In California such services are provided under the
name World Financial Insurance Agency, Inc.
3 This product is offered through securities registered representatives. An investor should consider the investment objectives, risk, and
charges and expenses associated with municipal fund securities before investing. More information about municipal fund securities
is available in the issuer’s official statement.
7

8. WFG: Investment Reminder
• Carefully consider all information before making any
investment decisions.
• Make sure to ask your WFG associate any questions
you may have about the products and services being
offered.
• If necessary, consult with a tax or legal advisor.
• Remember, with any investment there are risks
involved.
8

9. WFG: Built on Strength
 AEGON is an international life insurance,
pension and investment company based in
The Hague, The Netherlands.
 AEGON has businesses in over twenty markets
in the Americas, Europe and Asia and AEGON
companies employ approximately 27,500
people and have over 40 million customers
across the globe.
9

10. The Baby Boomer Challenge
Social Security
- Social Security’s outlays for bene ts is projected to
regularly exceed tax revenues beginning in 2016.4
- The median household income reported by Americans
ages 65 and older in 2009 was only $19,157.5
- 66% of current workers have accumulated less than
$50,000 in retirement savings, while 70% say they will
continue to work for pay after they retire.6
4 “CBO’s Long-Term Projections for Social Security: Additional Information, Congressional Budget Office, October 2010.
5 Employee Bene t Research Institute estimates of data from the Current Population Survey, March 2010 Supplement.
6 The 2010 Retirement Survey: Age Comparisons Among Workers, Employee Bene t Research Institute, March 2010.
10

11. The Senior Dilemma
• Wealth Transfer
- Estimates indicate that between the years 1998
and 2052, there will be a minimum wealth transfer
of $41 trillion.7
- If something is not done now, a substantial
amount of this money could be lost to taxation.
7 “Wealth Transfer and Philanthropy: An Interview with Paul G. Schervish, PH.D. and John J. Havens”, Investments and Wealth Monitor, June 2009.
11

12. The Generation X & Y Factors
• Retirement Savings
- 56% of workers age 25-34 and 46% of workers
age 35-44 have less than $10,000 saved for
retirement.8
8 The 2010 Retirement Survey: Age Comparisons Among Workers, Employee Bene t Research Institute, March 2010.
12

13. Consumer
Challenges: Debt & Savings
• According to the US Federal Reserve, total consumer
debt was down from 2008 but still amounted to more
than $2.4 trillion in 2009.9
• Nearly 30% of Americans have no savings outside
retirement plans and only 24% are saving more than
they did a year ago because of the current economic
climate.10
9 U.S. Federal Reserve, April 7, 2010.
10 “National Financial Literacy Survey Reveals Silver Lining to Financial Crisis”, National Foundation for Credit Counseling, April 14, 2010.
13

14. College,
Consumer Retirement and
Challenges: the Unexpected
• 2010-2011 college year: The average cost - including
room, board and fees - for a four-year public university
was $16,140 and for a four-year private college it was
$36,993.11
• A married couple, both 45 years old, earn $100,000 a
year and plan to retire in 20 years; with average in ation
of 4.5% over the next two decades, they will need more
than $241,000 a year to equal their current $100,000
income.
• Without proper planning, an unexpected death could
cause your family serious nancial concerns.
11 Trends in College Pricing, The College Board, 2011.. 14

15. Help Make Your Money Work
12
When investing, there are certain risks, fees and charges, and limitations that one must take into consideration.
12 The WFG Financial Dream Map is a suitability and needs analysis that is based upon information obtained from sources believed to be complete and
accurate. However, discuss any legal, tax or nancial matter with the appropriate professional. Neither the information presented nor any opinion 15
expressed constitutes a solicitation for the purchase or sale of any speci c security or nancial service.

16. Cash Flow
• An important step on the path tonancial
independence is increasing the amount of money
available to you.
• The extra funds can help you reduce debt and, more
importantly, build a nest egg.
16

17. Cash Flow
• To achieve this:
- Manage expenses by:
• Striving to spend less then you earn
• Creating a budget - weigh your wants versus your needs
• Raising deductibles to an appropriate level on insurance
• Looking for ways to reposition low-interest savings
accounts
• Dropping Private Mortgage Insurance when equity in
your home reaches 20% of the home’s value
• Canceling credit life insurance on auto loans, mortgages
and credit cards
• Exploring a quali ed plan option
• Earning tax deductions by starting your own business
17

18. Cash Flow
• To achieve this:
- Increase your available income by:
• Taking on a second career or part-time opportunity for
additional income
• Consulting with your tax advisor about adjusting your
W-2 allowances if you expect a tax refund
18

19. Proper Protection
• The Principle of Building Equity
- This principle illustrates your need to protect you
and your family should you die too soon or live
too long.
19

20. Proper Protection
• How much life insurance is enough?
- Factors to take into consideration to identify how
much insurance is enough include:
• Age
• Medical condition
• Number of dependents
• Income/Current nancial status
- A basic rule of thumb is to have life insurance to
provide about 10 times your family income.
- There are limitations to the protection that life
insurance can offer, so please discuss these with
your WFG associate.
20

21. Debt Management
• One of the biggest problems facing consumers today
is debt.
• It’s important to create a strategy to eliminate or
consolidate debt.
• Pay off credit card/consumer debt.
21

22. Debt Management
• Credit Card Debt Facts & Figures
- Average American household credit card debt is
more than $16,000.13
- At an 18% interest rate paying a 2.5% minimum
monthly payment of $112.50 on a beginning
balance of $4,500, it will take someone more than
25 years to pay off the debt while paying more
than $6,000 in interest.14
- By paying slightly more - $145 per month - the
debt could be paid in less than four years with
approximately $1,600 in interest paid.14
13 U.S. Federal Reserve, February 2011, as reported on www.creditcards.com
14 “Credit Card Calculator: The True Cost of Paying the Minimum,” Bankrate.com. 22

23. Debt Management
• Strive to pay off credit card/high-interest loan
debt sooner rather than later.
• Pay more than the minimum payment on credit
cards/loans with high interest rates.
• Once one of the high-interest credit cards/loans
are paid, begin paying off the one with the next
highest interest.
23

24. Debt Management
• Transfer credit card/loan balances to a card with a
promotional, no-fee transfer rate with a lower
interest rate.
• For any account charging more than 14% in interest
call the creditor to ask for a lower rate.
• If you are a homeowner, investigate taking out a
low-interest home equity loan to pay off your debt.
The interest on equity loans is tax deductible.
24

25. Debt Management
• Consider re nancing your mortgage
- Consider the type of mortgage, the mortgage
amount, re nancing fees and how long you plan
to live in the home.
- Bottom line in deciding whether to re nance:
Determine how much time it will take to recoup
expenses associated with re nancing and how
much you will save.
25

26. Emergency Fund
• Unexpected emergencies always seem to arise.
• To ensure you are ready when these “life disasters”
occur, it’s important to have an emergency savings
fund.
• WFG believes that the amount equal to three to six
months’ expenses should be set aside.
26

27. Asset Accumulation &
Preservation
• To provide security later in life, it’s important to have
an asset accumulation plan in place designed to
outpace in ation and reduce taxation.
• When building a program consider:
- How many years you may be living in retirement.
- How much it will cost to live comfortably during
those years.
27

28. Asset Accumulation &
Preservation
• The Rule of 72 15
- If you divide 72 by the interest rate being earned
on your savings/investment, you will obtain the
number of years required for your initial
investment to double.
15The Rule of 72 is a mathematical concept that approximates the number of years it would take to double the principle at a constant rate
of return. The performance of investments uctuate over time, and as a result, the actual time it will take an investment to double in value
cannot be predicted with any certainty. Additionally, there are no guarantees that any investment or savings program can outpace
in ation. Please note that high risk has been historically associated with higher rates of return.
28

29. Asset Accumulation &
Preservation
• The Rule of 72 16
In the following chart, see how much can be earned
over time with an initial investment of $10,000.
16 All gures are for illustrative purposes only and do not re ect an actual investment in any product. They do not re ect the performance
risks, expenses or charges associated with any actual investment. Past performance is not an indication of future performance. The Rule of
72 is a mathematical concept that approximates the number of years it would take to double the principle at a constant rate of return. The
performance of investments uctuate over time, and as a result, the actual time it will take an investment to double in value cannot be
predicted with any certainty. Additionally, there are no guarantees that any investment or savings program can outpace in ation. Please 29
note that high risk has been historically associated with higher rates of return.

30. Asset Accumulation &
Preservation
• The following chart is a historical view of different
investment markets from 1926 to 2010. The chart
illustrates how much $1 invested could have grown
based on investment in stocks, bonds or treasury
bills, and how that compares to the rate of in ation.
• Remember: There are certain risks when investing
and past performance does not guarantee future
returns.
30

31. Stocks, Bonds, Bills, and In ation
1926-2010
©2011 Morningstar, Inc. All rights reserved. Used with permission.
Note: This chart does not re ect past or future performance of any speci c product (Data Jan.1,1926-Dec.31, 2010). This chart is for illustrative purposes only and is not indicative
of any investment. The data assumes reinvestment of all income and does not account for taxes or transaction costs. The average return represents a compound annual return.
Government bonds and Treasury bills are guaranteed by the full faith and credit of the United States government as to the timely payment of principal and interest. Bonds in a
portfolio are typically intended to provide income and/or diversi cation. U.S. government bonds may be exempt from state taxes and income is taxed as ordinary income in the
year received. With government bonds, the investor is a creditor of the government. Stocks are not guaranteed and have been more volatile than the other asset classes. Large
company stocks provide ownership in corporations that intend to provide growth and/or current income. Small company stocks provide ownership in corporations that intend
to seek high levels of growth. Small stocks are more volatile than large stocks and are subject to signi cant price uctuations, business risks, and are thinly traded. Capital gains
and dividends received may be taxed in the year received. Underlying data is from the Stocks, Bonds, Bills, and In ation® (SBBI®) Yearbook, by Roger G. Ibbotson and Rex
Sinque eld updated annually. An investment cannot be made directly in an index. Past performance is no guarantee of future results.
Source: In this example, small stocks are represented by the fth capitalization quintile of stocks on the New York Stock Exchange (NYSE) for 1926-1981 and the performance of
the Dimensional Fund Advisors, Inc. (DFA) U.S. Micro Cap Portfolio thereafter; large stocks are represented by the Standard & Poor’s (S&P) 500®, which is an unmanaged group of
securities and considered to be representative of the stock market in general; government bonds are represented by the 20-year U.S. government bond, Treasury bills by the 30- 31
day U.S. Treasury bill and in ation by the Consumer Price Index.

32. Asset Accumulation &
Preservation
• Besides procrastination, an enemy to building and
maintaining savings is taxation.
• Harness the power of tax advantages.
- The following chart shows how much someone in
the 35% tax bracket (combined federal and state)
would have to set aside each month to
accumulate $1 million in 30 years in taxable
versus non-taxable scenarios.
32

33. Asset Accumulation &
Preservation
17
Assumes 35% tax bracket. The rates of return chosen are for illustrative purposes only, does not re ect the actual investment in any
product and should not be viewed as an indication of performance for any particular investment. They do not re ect the 33
performance risks, expenses or charges associated with any actual investment.

34. Asset Accumulation &
Preservation
• The High Cost of Waiting
- Time can be the worst enemy or the greatest ally.
- The key to building an asset accumulation program
is to begin saving now.
- Following is an example of monthly retirement
savings required to achieve a $1 million retirement
goal with an interest rate of 8%, tax deferred.
34

35. Asset Accumulation &
Preservation
• Example of Monthly Retirement Savings18
Put Time On Your Side. Get Started Now.
18All gures are for illustrative purposes only and do not re ect an actual investment in any product. They do not re ect the performance
risks, expenses or charges associated with any actual investment. Past performance is not an indication of future performance.
35

36. Asset Accumulation &
Preservation
• Don’t let a lifetime of successful savings be devoured
by taxes, lawyers and unintended heirs. A proper
estate plan can take care of your family during your
life and after your death.
36

37. Asset Accumulation &
Preservation
• A pitfall of not having an adequate estate plan.19
Your Life Insurance • Your Business
Your Home • Your Pension
Your Personal Assets & Real Estate
19 Strategic estate planning may include the proper use of: life insurance, wills, trusts, gifts, charitable donations, appropriate
ownership of property, implementation of buy-sell agreements and should include consultation with an attorney knowledgeable in
estate planning. Not all of these strategic-planning tools are offered by or through WFG or WGS. Tax/legal advice not offered by
or through WGS, WFG or any affiliated companies. Please consult with your representative for services he/she can offer.
20 Under current 2009 U.S. tax law. Due to legislative activity announced in Spring 2001, estate tax rates are being reduced
toward complete repeal by 2011. Tax and/or legal advice not offered by WFG, WGS or their affiliated companies. Please consult
with your personal tax professional for additional guidance regarding the estate tax and other tax matters.
21 “Skipping Out on Probate Costs,” Steven Merkel, CFP, ChFC, Dec. 13, 2004, Investopedia.com 37

38. Making Your Money
Work For You
• What are your next steps?
- Share information today to begin your
WFG Financial Dream Map.
- Set a follow-up appointment
to review the results of your
personalized analysis.
- Implement your personalized
WFG Financial Dream Map.
- Put your WFG associate in your referral
network of trusted professionals.

39. World Financial Group, Inc. (WFG) is a nancial services marketing company whose affiliates offer life insurance and a broad array of
nancial products and services. Securities are offered through World Group Securities, Inc. (WGS), Member FINRA/SIPC. Insurance
products are offered through World Financial Group Insurance Agency, Inc. (WFGIA) or its subsidiaries. In California such services are
provided under the name World Financial Insurance Agency, Inc. WFG, WGS, WFGIA are affiliated companies.
Headquarters: 11315 Johns Creek Parkway, Johns Creek, GA 30097-1517, PO Box 100035, Johns Creek, GA 30096-9403. Phone:
770.453.9300. WorldFinancialGroup.com
©2011 World Financial Group, Inc. 0455M/5.11