Women’s Initiative

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 poverty-

stricken 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-and-women/.

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 ConceptsManaging Rate Of Return and RiskA 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%Money doubles every 18 years

29 $10,000

47 $20,000

65 $40,000

Age 6%Money doubles every 12 years

29 $10,000

41 $20,00053 $40,00065 $80,000

Age 8%Money doubles every 9 years

29 $10,000

38 $20,00047 $40,00056

$80,00065 $160,000

Age 12%Money doubles every 6 years

29 $10,00035 $20,00041 $40,00047 $80,00053 $160,00059 $320,00065 $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 FormulaMoney+ Time

+/- Interest- Inflation

- Taxes

WealthThis 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:If you save…………….$100.00at 3% Interest……….. + $3.00Pay Tax at 25%............- $.75(Combined Fed & State)

Net After Tax………... $102.25Inflation at 3.5%........ - $3.50Impact……………………. $98.75(Valuation after tax & inflation)

EXAMPLE 2:If you save…………….$100.00at 5% Interest………... +$5.00Pay Tax at 25%........... -$1.25(Combined Fed & State)

Net After Tax………... $103.75Inflation at 3.5%......... -$3.50Impact………………….. $100.25(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

Revolution Financial Management is positioned to help individuals and families make

informed choices and take steps toward achieving financial independence.

Financial Needs Analysis

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.

CASH FLOW• Earn additional income• Manage expenses EMERGENCY

FUND• Save three to six months’ income• Prepare for emergency expenses

ASSETACCUMULATION

• Outpace inflation/minimize taxation• Professional money managementESTATE

PRESERVATION• Reduce estate taxes• Build a family legacy

PROPERPROTECTION

• Protect against loss of income• Protect family assets

DEBTMANAGEMENT

• Consolidated debt• Strive to eliminate debt

FINANCIAL NEEDS ANALYSIS

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 counterparts11

About 10.1 million firms are majority-owned by women12

Women entrepreneurs generate nearly $3 trillion in revenues to the U.S. economy13

About one in five firms with revenue of $1 million or more is women-owned12

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 getting14

Between 70% and 80% of advisors are men, and many veterans have built their careers serving a mostly male clientele15

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)

Helping people build strong, enduring businesses

To create a quality opportunity, it is critical to have:

Dramatic market needA simple, effective business systemPowerful compensationGreat timingStrong 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

Our Second Passion

Become a Business Owner in Financial Services

“I would rather earn 1% of 100 people’s efforts than 100% of my own efforts.”

- J. Paul Getty,American

Industrialist

How We Do It:

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

Powerful Compensation

YOUR EARNING POTENTIALAn 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.

Associate(Helps four families per month)

Senior Marketing Director(Helps four families per month)

Senior Marketing Director leading a five-person team

Only Senior Marketing Director’s associatesHelp four families each per month

Senior Marking Director and each memberOf the organization help four families per month

9,10

9,10

9,10,11

11

11

Per Month Per Year

$3,999 $47,988

$7,188 $86,256

$15,949 $191,388

$23,137 $277,644

GREAT TIMINGThe Retirement Boom Has Arrived!

Per Year

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.

An estimated 77 million people – born between 1946 and 1964 – are considered members of the Baby Boomer Generation.

BABY BOOMER LIFESPAN

1946 PRESENT

Baby Food

Toys

Fast Food

Cars

Real Estate

Retirement

12

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

Core Values

FAITH, FAMILY, BUSINESSWe 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.

SH

AR

PEN

ING

TH

E S

AW RECOGNIZING

YOURACHIEVEMENTS

We work hard and have fun

Be a part of a history-making company

We believe in giving back

A Business You Can Be Proud Of

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

Who do you know that could benefit from our message?

Could this information help my family or me financially?

Am I interested by this opportunity?

In the next one to two days, meet with an associate for a follow-up meeting.

When you set an appointment with an associate, please keep it.

Remember the three questions we started with:

Next steps

“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 anyproduct. Additionally, they do not reflect the performance risks, taxes, expenses or chargesassociated with any actual investment, which would lower performance. This illustration isnot an indication or guarantee of future performance. Contributions are made at the end ofthe 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 FinancialGroup Insurance Agency, Inc. and its subsidiaries are affiliated companies.7 Opportunities to build other income may be achieved by qualifying for additionalcompensation and by qualifying for bonus pools.8 Commission amount may vary based on product type and size of purchase. This example isbased on a Western Reserve Life Indexed Universal Life Insurance Policy.9 This is a hypothetical scenario for illustrative purposes only. There is no assurance thatthese results can or will be achieved. Income is earned from sales of World Financial Groupauthorized products and services. No income is earned for recruiting. See the current WorldFinancial Group Field Manual for compensation percentages on all diversified product lines.All compensation plans subject to change. Promotional criteria/designations are determinedand offered by or through World Financial Group. Personal percentages earned on productsmay vary based on promotional level with WFG. As of Feb. 1, 2011, WFG Associate contractlevel of 35.6%, Senior Marketing Director contract level of 64%,Senior Marketing Directoroverride 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 Management28632 Roadside Drive Suite 240Agoura Hills, CA 91301Phone: 818-879-9514