OUR MISSION:

To create wealth for families.

We are committed to creating financially independent families.

All of our mental, physical and emotional energies and resources are focused totally to this end.

THE GREAT CONSUMER DILEMMA

  • THE MILLENIALS

    • The Millennial generation (born between 1981 – 1996) will overtake Baby Boomers as the largest adult population group in the United States, expected to reach 73 million in 2019.1
    • 58% of millennials have under $5,000 in a savings account, about 19% have between $5,000 and $15,000, and 11% have between $15,000 and $50,000.2
    • Although they begin saving earlier than other generations, 66% have nothing saved for retirement.3
  • GENERATION X

    • Generation X is a smaller group sandwiched between Millennials and Baby Boomers and now mostly middle aged - will finally outnumber Baby Boomers 2028.1
    • Their overall debt load is the highest of any generation. Not only is their credit card debt higher than any other generation, those between ages 35-44 have an average overall debt of $152,400.4
    • The median retirement savings for Generation X is only $35,000.4
  • THE BABY BOOMERS

    • Baby Boomers are putting pressure on the U.S. health-care system and Medicare costs. According to the Census Bureau, by 2030, when “all Baby Boomers will be older than age 65,” 1 in 5 U.S. residents will be of retirement age.5
    • 10,000 Baby Boomers hit age 65 every day and their median retirement savings is just under $180,000. 45% of this Baby Boomers have zero savings for retirement, yet they control over 70% of the country’s disposable income.6
    • Retirees must begin taking Required Minimum Distributions from their IRAs and 401K plans each year, starting at age 70 ½ and are subject to Ordinary Income Tax on 100% of each distribution.
    Failure to take these distributions could result in a 50% IRS penalty on the amount that should have been withdrawn that year.7

    THE SENIORS

    • Most seniors have more than one chronic health care issue. Recently the National Council on Aging found that 75% of seniors have at least one chronic health condition, and that most have two or more.8
    • 21% of married Social Security recipients and 43% of single recipients aged 65+ depend on Social Security for 90% or more of their income.9
    • The cost of Social Security will exceed its income in 2020 for the first time since 1982. The program’s reserve fund is projected to be depleted in 2035.10


OUR VISION:

To lead the consumer empowerment revolution.

We are poised to become the first marketing company to take the best innovative and disruptive wealth-building products, concepts and strategies to the homes of the American people on a giant scale.

We have the potential to change the savings habits of this country and help build more financially successful families than any
business ever has, because we take a needs approach to our client’s goals through our Super-Powered Distribution System.

“As an independent marketing company, We bring together the best products and companies to deliver unparalleled financial solutions to our clients.”

SIX STEPS TO FINANCIAL SECURITY

A financial education is vital on a grand scale, now more than ever.

1. INCREASE CASH FLOW

- Earn additional income
- Manage expenses

2. DEBT MANAGEMENT

- Consolidate debt
- Eliminate debt

3. EMERGENCY FUND

- Save 3 - 6 months income
- Prepare for unexpected expenses

4. PROPER PROTECTION

- Protect against loss of income
- Protect family assets

5. BUILD WEALTH

- Outpace inflation
- Minimize taxation

6. PRESERVE WEALTH

- Avoid probate
- Maintain privacy

WHAT IF WE FAIL?

Generation X could be the first generation since the depression to face the possibility of retirement without any of the three safety notes of the previous generation:

SOCIAL SECURITY

At current rates, there could be insolvent by the year 2035.10

PENSION BENEFIT PLANS

Less than 5% of private sector companies offer a pension plan.11

PERSONAL SAVINGS

In 2017, the average American saved about 5.4% of their income, compared to Germany at 9.8% and Spain at 11.78%.12

WHAT ARE TWO OPTIONS?
Work beyond age 65.
Build your own Financial Independence Plan.

THE HGI SOLUTION
Financial independence is nothing more than a pool of money large enough to produce
an income stream to pay your bills and meet your needs.

HOW?
Define your goals and time horizons. We can help to identify the right financial
strategies and products to fit your needs. Once you have an established Financial
Independence Plan, follow it.

NEW DRIVING FORCE IN
WORLD BUSINESS

We are independent financial services marketing company supported by some of the largest and most respected companies in the world.

As an independent marketing company, we bring together the best products and companies to deliver unparalleled financial solutions to its clients.  These world-class products, concepts and support companies – in combination with our expertise in marketing and building distribution systems – gives us a competitive advantage in the marketplace.

A WORLD OF MARKETS


INSURANCE AND ANNUITY PRODUCTS WITH LIVING BENEFITS

- Indexed Universal Life - Guaranteed Universal Life
- Term Life - Final Expense Life
- Guaranteed Issue Life - Mortgage Life
- Indexed Annuities - Fixed Annuities

Take a Quick Look

Some of the Companies Which support our Vision



Financial Solutions for the 21st Century!
Financial Independence Can be a Reality, Not Just a Dream.

Let's Get Started
SOURCES:

1 https://www.pewresearch.org/fact-tank/2018/03/01/millennials-overtake-baby-boomers/
2 https://www.businessinsider.com/millennials-good-money-decisions-saving-no-debt-2019-4
3 https://www.nirsonline.org/2018/02/new-research-finds-95-
percent-of-millennials-not-saving-adequately-for-retirement/
4 https://www.marketwatch.com/story/all-the-ways-gen-x-is-financially-wrecked-2019-02-08
5 https://www.census.gov/newsroom/press-releases/2018/cb18-41-population-projections.html
6 https://www.benefitspro.com/2019/01/08/the-baby-boomer-generation-is-starting-to-retire-a/
7 https://www.irs.gov/retirement-plans/plan-participantemployee/
retirement-topics-required-minimum-distributions-rmds
8 https://www.seniorliving.org/research/
9 https://www.ncoa.org/news/resources-for-reporters/get-the-facts/economic-security-facts/
10 https://www.nytimes.com/2019/04/22/us/politics/social-security-medicare-insolvency.htm
11 https://www.thebalance.com/what-is-a-pension-plan-2385771
12 https://tradingeconomics.com