Financial Solutions for the 21 st Century It’s Time for Change Learn Defensive & Growth Strategies New markets and new economies call for a change in strategies and solutions. Managed Wealth Financial takes those ideas to Americans from all walks of life. Families and individuals need a solution to help them reach their financial goals. But unfortunately, the current financial services industry may not provide all the answers, leaving everyday people unsure of where to turn for financial advice. We teach, educate and direct families how to build financial strategies And many others... 1 All providers maintain selling agreement(s) with World Financial Group Insurance Agency, Inc. (WFGIA) and its subsidiary agencies, and/or Transamerica Financial Advisors, Inc. Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Insurance products and their guarantees, including optional benefits and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company. Look to the strength of the life insurance company with regard to such guarantees as these guarantees are not backed by the broker-dealer, insurance agency or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company. Pacific Life's Home Office is in Newport Beach, CA. Nationwide's Home Office is in Columbus, Ohio. Jackson National Life Distributors LLC Home Office is in Lansing, Michigan. Voya Financials’ Home Office is in Des Moines, Iowa. Transamerica Life Insurance Company's Home Office is in Cedar Rapids, Iowa. Prudential's Home Office is in Newark, New Jersey. World Financial Group, Inc. and Transamerica Financial Advisors, Inc. are not affiliated companies of Pacific Life, Prudential, Voya Financial, Nationwide, and Jackson National Life Insurance Company. $0.00 $2,000.00 $4,000.00 $6,000.00 $8,000.00 $10,000.00 $12,000.00 $14,000.00 $16,000.00 40 Yrs 20 Yrs 10 Yrs 5 Yrs Series 1 Series 1 0 0.1 0.2 0.3 0.4 0.5 0.6 0.7 0.8 0.9 1 40 Yrs 20 Yrs 10 Yrs 5 Yrs Column2 Column2 1 The financial needs 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. (Fees & Charges) 2 In this hypothetical example, a 5% compounded rate of return is assumed on hypothetical monthly investments over different periods. The example is for illustrative purposes only & does not represent any specific investment. It is unlikely that any one rate of return will be sustained over time. This example does not reflect any taxes, or fees & charges associated with any investment. If they had been applied, the period of time to reach $1 million retirement goal would be longer. Also, keep in mind that income taxes are due on any gains when withdrawn. 3 When investing, there are certain risks, fees and charges, and limitations that one must take into consideration. 4 World Financial Group, Inc., its affiliated companies and its independent associates do not offer tax and/or legal advice. Please consult with your personal tax and/or legal professional for further guidance. Complimentary, No‐Cost or Obligation 1 Financial Needs Analysis 1 Snapshot of where you are financially There’s a Great Need for Financial Education on a Massive Scale Cost of Waiting 3 This chart shows how much you need to set aside each month to reach $1 million retirement goal, based on a monthly compounded rate of return in a hypothetical 5% tax-deferred account. 6. Build Wealth Strive to outpace inflation & reduce taxes 3. Debt Management Consolidate debt Eliminate debt 4. Emergency Fund Save at least three to six months income Prepare for emergency expenses 1. Cash Flow Increase discretionary income Earn additional income The Impact of Market Swings 3 - 10% + 11% - 25% + 33% - 50% + 100% - 75% + 300% 2. Proper Protection Ensure proper insurance coverage amount Ensure proper insurance type 5. Asset Accumulation Wealth formula Offense, Defense & Properly Taxed When investing there are certain risks, fees & charges and limitations that one must take into consideration 40 Yrs $655.30 20 Yrs $2,432.89 10 Yrs $6,439.88 5 Yrs $14,704.57 Monthly Contributions to Reach Goal $0.00 $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 Taxable Tax- Tax- Deferred Advantaged Savings Accounts Certificates of Deposit Fixed Annuities Savings Bonds Cash Accumulation in a Life Insurance Cash Value Life Insurance: It is important to remember that loans & withdrawals will reduce the policy value & death benefit dollar for dollar. Additionally, withdrawals are subject to partial surrender charges if they occur during a surrender period. Loans are made at interest. Loans may also result in the need to add additional premium into the policy to avoid a lapse of the policy. In the event that the policy lapses, all policy surrenders and loans are considered distributions and, to the extent that the distributions exceed the premiums paid (cost basis), they are subject to taxation as ordinary income. Lastly, all references to loans assume that the contract remains in force, qualifies as life insurance & is not a modified endowment contract (MEC). Loans from a MEC will generally be taxable and, if taken prior to age 59 ½ may be subject to a 10% penalty. 1. Twin Career 2. Financial Professionals 3. Build a Business 4. Referral Associates In addition to serving our clients, we are also rapidly expanding as a firm. For the right person, we offer an opportunity to join our team. M a n a g e d W e a l t h F i n a n c i a l i s a f i n a n c i a l s e r v i c e s m a r k e t i n g c o m p a n y t h a t i s a s s o c i a t e d w i t h W o r l d F i n a n c i a l G r o u p , I n c . W o r l d F i n a n c i a l G r o u p , I n c . ( W F G ) i s a f i n a n c i a l s e r v i c e s m a r k e t i n g c o m p a n y w h o s e a f f i l i a t e s o f f e r a b r o a d a r r a y o f f i n a n c i a l p r o d u c t s a n d s e r v i c e s . I n s u r a n c e p r o d u c t s o f f e r e d t h r o u g h W o r l d F i n a n c i a l G r o u p I n s u r a n c e A g e n c y , I n c . ( W F G I A ) , W o r l d F i n a n c i a l G r o u p I n s u r a n c e A g e n c y o f H a w a i i , I n . , W o r l d F i n a n c i a l G r o u p I n s u r a n c e A g e n c y o f M a s s a c h u s e t t s , I n c . , W o r l d F i n a n c i a l G r o u p I n s u r a n c e A g e n c y o f W y o m i n g , I n c . , W o r l d F i n a n c i a l I n s u r a n c e A g e n c y , I n c . a n d / o r W F G I n s u r a n c e A g e n c y o f P u e r t o R i c o , I n c . S e c u r i t i e s a n d I n v e s t m e n t A d v i s o r S e r v i c e s o f f e r e d t h r o u g h T r a n s a m e r i c a F i n a n c i a l A d v i s o r s , I n c . ( T F A ) – M e m b e r F I N R A , S I P C , a n d R e g i s t e r e d I n v e s t m e n t A d v i s o r . W F G , W F G I A a n d T F A a r e a f f i l i a t e d c o m p a n i e s . W F G a n d W F G I A H e a d q u a r t e r s : 1 1 3 1 5 J o h n s C r e e k P a r k w a y , J o h n s C r e e k , G A 3 0 0 9 7 - 1 5 1 7 . P h o n e : 7 7 0 . 4 5 3 . 9 3 0 0 . T F A H e a d q u a r t e r s : 5 7 0 C a r i l l o n P r k w y , S t . P e t e r s b u r g , F L 3 3 7 1 6 . P h o n e : 8 0 0 . 3 2 2 . 7 1 6 1 T h i s p r e s e n t a t i o n i s f o r u s e i n t h e U n i t e d S t a t e s o n l y . T F A 1 7 4 1 7 7 3 - 0 8 1 7