HOW TO WIN
THE MONEY GAME

This Is Your Opportunity to Win

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— Hubert Humphrey
Founder and Architect of the System

“One of the best kept secrets is that ordinary folks can become millionaires.”


OUR VISION

To lead the consumer empowerment revolution.

OUR MISSION

To create more financially independent families than any other business in history.

OUR SYSTEM

The vehicle that will allow us to achieve our vision and our mission.

MONEY IS A PROBLEM FOR EVERYONE IN AMERICA

DEBT
Debt is a way of life for Americans, with overall U.S. household debt increasing by 11% in the past decade. Today, the average household with credit card debt has balances totaling $6,929, the average household with student loan debt has balances totaling $47,671, and the average household with any kind of debt owes $135,768, including mortgages.1

TAXES
In 2018, Americans will work until April 19th to pay its tax burden.  Americans collectively will spend more on taxes in 2018 than it did on food, clothing and housing combined.2

INFLATION
$1.00 in 1972 is worth less than 17 cents today. The average inflation rate from 1972 to 2018 was about 3.97%.3

SAVINGS
Americans save less than anyone in the world. In 2017, the average American saved about 5.4% of their income, compared to Germany at 9.8% and Spain at 11.78%.4

LIFE INSURANCE
If you died tomorrow, your family could be broke in a year. The average face amount of individual life insurance policies issued in
2017 was only $163,000.5

LONG-TERM CARE
We are living longer and more likely to get a chronic, critical or terminal illness before we die. In 2018, the annual median cost of
a Home Health Aide was $50,340 and the annual median cost of a private room in a Nursing Home was $100,380.6

RETIREMENT
According to the U.S. Census Bureau, the average American 65 and older retires on income of $36,895 or less a year. 10% of all
Americans retire in poverty.7



1 Source: https://www.statista.com/statistics/254619/face-amount-valueof-
individual-life-insurance-policies-purchased
2 Source: https://taxfoundation.org/publications/tax-freedom-day/
3 Source: http://www.dollartimes.com/inflation/inflation.php?amount=1&year=1972
4 Source: https://tradingeconomics.com
5 Source: https://www.statista.com/statistics/254619/face-amount-valueof-
individual-life-insurance-policies-purchased/
6 Source: https://www.genworth.com/about-us/industry-expertise/cost-of-care.html
7 Source: https://www.census.gov/content/dam/Census/library/publications/2015/demo/p60-252.pdf
“One of the best kept
secrets is that ordinary
folks can become
millionaires.”

TAKE CONTROL

The secret to financial security is learning to control the things that you can control.

PAY YOURSELF FIRST


Put yourself and your family before any other obligations that you have.

EARN ADDITIONAL INCOME

To speed up your success, consider part-time work and build a second income.

ADJUST YOUR LIFESTYLE

Understand the difference between your “wants” and our “needs.” Set priorities and develop a disciplined budget plan.

AVOID THE CREDIT TRAP

Avoid the pitfalls of “plastic money.” Buy only what you can afford and pay with cash.

CHANGE YOUR THINKING

Change your financial paradigm by changing the way you think about money.

“We teaches our clients these common sense concepts and how to implement them successfully.”

FINANCIAL PRIORITIZATION
Start from the bottom and work your way up.
THE WEALTH FLOW FORMULA
Your Needs Change Over Time

Today – Protect Income

1. Young children
2. High debt
3. House mortgage


A loss of income would be devastating.

Tomorrow – Protect Wealth

1. Grown children
2. Lower debt
3. Mortgage paid


Tax-free lifetime income needed.

BUY TERM & THE REST IN PERM
• High face amount term coverage during the early years.
• Tax-Free cash value accumulation.1
• Accelerated Living Benefits on both Term & IUL –
“Life Insurance You Don’t Have to Die To Use.” 2
• Income-tax free withdrawals, loans at any age.1

THE RULE OF 72

The Magic of Compound Interest

Divide the number 72 by your expected rate of return to determine the number of years it will take for your money to double.

The Magic of Compound Interest $10,000 - Lump Sum Investment*
(invested one time only compounded annually)
  • *The above hypothetical examples are for illustrative purposes only and do not represent any particular investment vehicle.
  • The Rule of 72 is a mathematical concept that approximates the number of years it would take to double the principal at a constant rate of return.
  • The performance of investments fluctuate over time, and as a result, the actual time it will take an investment to double in value cannot be predicted with any certainty.

WHEN DOES 50% COST YOU 100%?

Market Losses Cost You More Than You May Realize

Most people think that if you lose 50% on your investment, you only need to earn 50% back to recover from your losses. Not exactly.

  Start Value Rate of Return Gain/Loss End Value
Year 1 $1000 -50% -$500 $500
Year 2 $500 +50% +$250 $750

You need double the amount of the gain to “get back to even.”

  Start Value Rate of Return Gain/Loss End Value
Year 1 $1000 -50% -$500 $500
Year 2 $500 +100% +$500 $1000

It’s important to note that in the 1st example, it looks like a 0% average annual return ( -50 + 50 / 2 = 0%), but that’s “funny math”. It’s actually -25% when you actually consider the true loss.

TIME & CONSISTENCY

You can pay now… Or you really can pay later!

• It is important to start saving immediately…
• The longer you wait, the less “doubles” that you will have on your money.
• It’s not only important how much money you save, but how early you started saving!

AVOID THE PITFALLS OF
TRADITIONAL INVESTING

Avoid investments that have a low chance of long-term appreciation and that have high fees.

There are alternate investments that may eliminate many of the fees associated with traditional Wall Street products. These products may oer many advantages that middle America is looking for, such as cash flow, appreciation, stability and liquidity. In fact, many of these investments can be held in a "self-directed" account, further reducing fees and giving you control. Examples of such alternate investments are:

• Land banking
• Professional active money management
• Secured promissory notes



ACCELERATED LIVING BENEFITS

Medical Costs Can Devastate Your Lifetime Savings

We are living longer and more likely to get a chronic, critical or terminal illness before we die.

• 7 in 10 people who are age 65 will need chronic care later in life.1
• The number of Americans who need long-term care will more than double by 2050.2
• 9 in 10 people who go on long-term care do not recover. Only 10% will have a non-permanent condition.3
• Beyond 100 days, Medicare does not cover long-term care expenses.4
2019 annual median cost of long term care:4




1 Source: Centers for Medicare & Medicaid Services 11/14/2014
2 Source: S. Kaye, C. Harrington, and M. Lapiante (2010). Analysis of 2005 SIPP, 2007 NHIS, 2007 NHHS, and the 2005-2006 Medical Expenditure Survey
3 Source: Society of Actuaries: “Long-Term Care Risk Management: Re-Pricing In-Force Policies”, 2014
4 Source: Genworth Cost of Care Survey 2019: https://www.genworth.com/aging-and-you/finances/cost-of-care.html

LEARN MORE

These are just some of the industry disrupting concepts that we educate people about. If you are like most people, you are ready to:

• Finally take control of your finances.
• Eliminate your debt.
• Build savings for a solid future.
• Have a plan for financial success.

THE NEXT STEP

• Set an appointment.
• Get a free Financial Needs Analysis (FNA).
• Start your Financial Independence Plan and begin achieving your dreams!

It takes leaders with vision to help people with their dreams. With us, your dreams can come true.