Why Do We Need to Know
More?
Nearly 90% of women will end up managing their
finances alone1
 Among women older than 65, about 60% of them are
divorced, widowed or never married2
 About 40% of women spend retirement alone3
 Approximately 4 in 10 marriages end in divorce4

1. “Investing Wisely: What Women Need to Know,” by Kathleen Williams, April 24, 2011,
http://www.womensmedia.com/money/274-investing-wisely-what-women-need-to-know.html.
2. “Take Charge of Your Own Security,” Kiplinger’s Personal Finance, February 2006.
3. “The Girl’s Guide to Retirement,” SmartMoney.com, Sept. 7, 2007; US Census, SSA.
4. www.divorcerate.org.
Why Do We Need to Know
More?

Each year the U.S. produces nearly 800,000 new
widows5

There are approximately some 11.3 million widows in
the U.S., more than four times the number of
widowers5

About 75% of women are widowed at an average
age of 56, and 1 in 4 of these women are broke
within two months of being widowed1
5. “True Love Means Planning Ahead,” by Robert Powell, Nov. 13, 2007, MarketWatch.
1. http://www.womensmedia.com/money/274-investing-wisely-what-women-need-to-know.html
Why Do We Need to Know
More?




Of the 62 million salaried working women in the U.S.,
about less than half participate in a retirement plan6
Women tend to invest more conservatively than men6
In 2009, the average Social Security annual benefit
received by women 65 and older was $12,155
compared to $15,620 for men7
In 2006, for unmarried women including widows age 65
and older, Social Security comprised about 50% of their
total income7
6. “Women and Retirement Savings,” US Department of Labor, National Education Association.
7. “Social Security is Important to Women Fact Sheet,” www.ssa.gov/pressoffice/factsheets/women.htm.
Why Do We Need to Know
More?
Women have less retirement income than men:8

A woman’s median Social Security income is
approximately 70% of a man’s

Fewer women than men have pensions

Among those who work at or after age 65, women earn
just about over one-half of what men earn

Women receive smaller income than men from assets, like
interest and dividends
“Millions of women are going to lose their standard of living unless they take
hold of the situation.”9
8.
“Retirement Security: Women Face Challenges in Ensuring Financial Security in Retirement,”
GAO Report to the Ranking Member, Special Committee on Aging, U.S. Senate, October 2007.
9. Cindy Hounsell, president, Women’s Institute for a Secure Retirement.
Why Do We Need to Know
More?
Approximately 87% of povertystricken elderly Americans are
WOMEN1
1. “Investing Wisely: What Women Need to Know,” by Kathleen Williams, April 24, 2011.
Why Do We Need to Know
More?
For women ages 18 – 64:10
Approximately 1 in 3 has no
wealth or negative wealth
Have only about 36% as much
wealth as men
10. Reuters: The Great Debate-Closing the wealth gap between men and women,
http://blogs.reuters.com/great-debate/2010/01/28/closing-the-wealth-gap-between-men-andwomen/.
To Sum It Up…
 We
make less money
 We
may experience interruptions or
reductions in work history
 We
invest more conservatively
 We
save less for retirement
 We
have a lower net worth
 We
live longer
 We
rely more on Social Security
Basic Financial Concepts
Managing Rate Of Return and Risk
A one-time investment of $10,000 saved for 36 years.
You can determine what kind of savings plan works best for you and your
budget by using The Rule of 722 – dividing 72 by the interest rate to estimate the
number of years it takes for your money to double.
Age
4%
Age
6%
Age
8%
Age
12%
Money doubles every 18
years
Money doubles every 12
years
Money doubles every 9 years
Money doubles every 6 years
29
47
65
29
41
53
65
29
38
47
56
65
29
35
41
47
53
59
65
$10,000
$20,000
$40,000
$10,000
$20,000
$40,000
$80,000
$10,000
$20,000
$40,000
$80,000
$160,000
$10,000
$20,000
$40,000
$80,000
$160,000
$320,000
$640,000
All figures are for illustrative purposes only and do not reflect an actual investment in any product. Additionally, they do not reflect 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 will take to
double the principal at a constant rate of return. The performance of investments fluctuates 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 inflation.
Basic Financial Concepts
Reduce the impact of taxes
Financial Fundamentals
The Wealth Formula
Money
+ Time
+/- Interest
- Inflation
- Taxes
Wealth
This is a concept/goal developed by World Financial Group (WFG) 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 WFG. The term "wealth" is subjective and must be
defined on an individual basis.
The Effect of Taxes and Inflation
EXAMPLE 1:
EXAMPLE 2:
If you save…………….$100.00
at 3% Interest……….. + $3.00
Pay Tax at 25%............- $.75
If you save…………….$100.00
at 5% Interest………... +$5.00
Pay Tax at 25%........... -$1.25
(Combined Fed & State)
(Combined Fed & State)
Net After Tax………... $102.25
Inflation at 3.5%........ - $3.50
Impact……………………. $98.75
Net After Tax………... $103.75
Inflation at 3.5%......... -$3.50
Impact………………….. $100.25
(Valuation after tax & inflation)
(Valuation after tax & inflation)
All figures are for illustrative purposes only and do not reflect an actual investment in any product. Additionally, they do not reflect
the performance, risks, expenses or charges associated with any actual investment. Actual results may vary.
The Impact of Losses
Financial Needs Analysis
Revolution Financial Management is positioned to help individuals and families
make informed choices and take steps toward achieving financial independence.
CASH FLOW
DEBT
MANAGEMENT
•
•
Earn additional income
Manage expenses
EMERGENCY
FUND
•
•
Consolidated debt
Strive to eliminate debt
PROPER
PROTECTION
•
•
•
•
FINANCIAL NEEDS
ANALYSIS
Protect against loss of income
Protect family assets
ESTATE
PRESERVATION
•
•
Save three to six months’ income
Prepare for emergency expenses
ASSET
ACCUMULATION
•
•
Outpace inflation/minimize taxation
Professional money management
Reduce estate taxes
Build a family legacy
When investing, there are certain risks, fees and charges, and limitations that one must take into consideration. The suitability and needs analysis was created by
World Financial Group. The analysis is based upon information obtained from sources believed to be reliable and accurate. However, discuss any legal, tax or
financial matter with the appropriate professional. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale
of any specific security or financial service.
Women Have the Power:
Blazing a New Trail

Women are becoming the nation’s job-creation engine,
starting new businesses and stimulating new jobs at a rate
that outdistances their male counterparts
11

About 10.1 million firms are majority-owned by women

Women entrepreneurs generate nearly $3 trillion in revenues
to the U.S. economy
12
13

About one in five firms with revenue of $1 million or more is
women-owned
12
11. “Women-owned Businesses: America’s New Job Creation Engine,” Forbes.com, Jan. 12, 2010.
12. Center for Women’s Business Research: “Key Facts About Women-Owned Businesses, ”womensbusinesscenter.org, 2008-2009.
13.
Center for Women’s Business Research: “The Economic Impact of Women-Owned Business in the United States,” October 2009.
Women Have the Power:
Blazing a New Trail
If U.S. - based women-owned
businesses were their own country,
they would have about the 5th largest
GDP in the world, trailing closely
behind Germany, and ahead of
countries including France, United
Kingdom and Italy.
13
13. Center for Women’s Business Research: “The Economic Impact of
Women-Owned Business in the United States,” October 2009.
More Women Advisors Needed

Based on a survey of women investors, they feel
underserved by the financial services industry, with
more than approximately 70% expressing
dissatisfaction with the service they are getting
14

Between 70% and 80% of advisors are men, and
many veterans have built their careers serving a
mostly male clientele
15
14.
“Leveling the Playing Field: Upgrading the Wealth Management Experience for Women,”
The Boston Consulting Group, July 2010.
15. “Why Women Get a Raw Deal on Retirement,” Smart Money, Wall Street Journal, October 2010.
Welcome to Your Future
“It’s never too late to be
what you might have
been.”
- Famous female author George Eliot (Mary Anne Evans)
Our Second Passion
Helping people build strong,
enduring businesses
To create a quality opportunity, it is
critical to have:
Dramatic market need
A simple, effective business system
Powerful compensation
Great timing
Strong core values
Our Second Passion
Building big and building fast requires simplicity
No experience required
Proven and effective
Mentoring from experienced leadership
Look at business success stories around us
Powerful
Compensation
How We Do It:
Become a Business Owner
in Financial Services
Personal Activity (Work for Yourself)
Override a Team (Business Owner)
Renewals and Trails (Residual Income)
Save and compound your money
Leave a generational legacy for your family
“I would rather earn
1% of 100 people’s
efforts than 100% of
my own efforts.”
- J. Paul Getty,
American Industrialist
YOUR EARNING POTENTIAL
An Excellent Income Opportunity
The following example shows how helping a family results in a $2,808
commission paid to the field, with the commission based on an average policy
sale to a 40-year-old person who is contributing $185 per month to the policy.
Per Month Per Year
Associate9,10
(Helps four families per month)
$3,999
$47,988
$7,188
$86,256
Only Senior Marketing Director’s associates
11
Help four families each per month
$15,949
$191,388
Senior Marking Director and each member
11
Of the organization help four families per month
$23,137
$277,644
9,10
Senior Marketing Director
(Helps four families per month)
Senior Marketing Director leading a five9,10,11
person team
GREAT TIMING
The Retirement Boom Has Arrived!
Now, more than ever, the market is ripe for change – to be led by a visionary
financial services company that is forward-looking and knows what
consumers need and want before they know it themselves.
Revolution Financial Management is that company.
Per Year
BABY BOOMER LIFESPAN
Fast Food
Baby Food
Toys
1946
Real Estate
Cars
Retirement
PRESENT
An estimated 77 million people – born between 1946 and 1964 – are
12
considered members of the Baby Boomer Generation.
Core Values
Standing for something:
Business strength, like personal strength,
begins with strong core values.
Honesty, integrity, trustworthiness,
dependability, respect.
A vital question: Can you be trusted?
Be a personal example of being wise with your
money.
What is the ultimate reflection of character?
How we treat people.
Teamwork.
“The greatest
compliment you can
receive in leadership is,
‘They taught me
principles, that, when I
applied them, my life
improved.’”
– Rich Thawley
FAITH, FAMILY,
BUSINESS
We want our associates’ families to
be supported and involved in the
business.
It’s important to have teamwork
both at home and at work.
We believe that involving family
helps create a more positive
environment.
Our associates are encouraged to
always be positive and to never
give up on their dreams.
SHARPENING THE SAW
RECOGNIZING
YOUR
ACHIEVEMENTS
A Business You Can
Be Proud Of
We work hard and have
fun
We believe in giving back
Be a part of a
history-making company
REASONS TO
GET STARTED
Typically, people who are considering
becoming an associate with our
company look to do so:
Part Time
- Like their job, need extra income
- “Plan B” backup, need extra income
- Dissatisfied, want to make a change
Full Time
- Want to make a career change now
TAKE A SERIOUS LOOK
Remember the three
questions we started with:
Next steps

Who do you know that
could benefit from our
message?

In the next one to two days,
meet with an associate for
a follow-up meeting.

Could this information help
my family or me financially?

When you set an
appointment with an
associate, please keep it.

Am I interested by this
opportunity?
“We need leaders with vision, to help
people with dreams… together, we can
make a difference!”
1 This is a concept/goal developed by Revolution Financial Management (RFM), 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 WFG. The term "wealth" is
subjective and must be defined on an individual basis.
2 All figures are for illustrative purposes only and do not reflect an actual investment in
any
product. Additionally, they do not reflect the performance risks, taxes, expenses or
charges
associated with any actual investment, which would lower performance. This illustration is
not an indication or guarantee of future performance. Contributions are made at the
end of
the period.
3. Tax and/or legal advice is not offered by associates of Revolution Financial
Management or by associates of World Financial Group, Inc. and its affiliated
companies. Please consult with your personal tax professional or legal advisor for further
guidance on tax or legal matters.
4WFG associates must be properly appointed, licensed and/or securities registered to do
business with the below-listed companies.
5 WRL, Transamerica Life Insurance Company, World Financial Group, Inc., World
Financial
Group Insurance Agency, Inc. and its subsidiaries are affiliated companies.
7 Opportunities to build other income may be achieved by qualifying for additional
compensation and by qualifying for bonus pools.
8 Commission amount may vary based on product type and size of purchase. This
example is
based on a Western Reserve Life Indexed Universal Life Insurance Policy.
9 This is a hypothetical scenario for illustrative purposes only. There is no assurance that
these results can or will be achieved. Income is earned from sales of World Financial
Group
authorized products and services. No income is earned for recruiting. See the current
World
Financial Group Field Manual for compensation percentages on all diversified product
lines.
All compensation plans subject to change. Promotional criteria/designations are
determined
and offered by or through World Financial Group. Personal percentages earned on
products
may vary based on promotional level with WFG. As of Feb. 1, 2011, WFG Associate
contract
level of 35.6%, Senior Marketing Director contract level of 64%,Senior Marketing Director
override level of 28.4%.
10 Associates of World Financial Group are independent contractors, regardless of field
title/
designation.
11 Example assumes all Senior Marketing Director’s team members are at the Associate
level.
12 The raw data for the information on this slide can be found on
http://www.census.gov/popest/data/national/totals/pre--‐1980/tables/popclockest.txt
The raw data then was extracted and summed to produce these figures.
Revolution Financial Management is a financial services marketing company
that is associated with World Financial Group, Inc. World Financial Group, Inc.
(WFG) is a financial services marketing company whose affiliates offer a broad
array of financial products and services. Insurance products offered through
World Financial Group Insurance Agency, Inc. (WFGIA). WFG and WFGIA are
affiliated companies.
Revolution Financial Management Headquarters: 28632 Roadside Dr. Suite 240,
Agoura Hills, CA 91301. Phone: 818.879-9514.
WFG and WFGIA Headquarters: 11315 Johns Creek Parkway, Johns Creek, GA
30097-1517. Phone: 770.453.9300. WorldFinancialGroup.com
World Financial Group and the World Financial Group logo are trademarks of
World Financial Group.
For use in the United States only.
Revolution Financial Management
28632 Roadside Drive Suite 240
Agoura Hills, CA 91301
Phone: 818-879-9514