2. The Financial State of the Nation
Do you see yourself in any
of these numbers?
$54,000 Average household debt1
38% Percentage of Americans who don’t save anything
for retirement2
72% Percentage of workers who do not have access to
a defined benefit plan, i.e. pension3
2034 The expected depletion date of the trust funds
that support Social Security4
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3. 2
The State of the Industry
If so, you’re not alone. There are thousands of people who are underserved or overlooked by
the financial services industry – many of them being middle-income families – and who may not
be properly prepared for retirement. The financial services industry itself, however, may not be
prepared to meet this growing need. In fact:
THE FINANCIAL INDUSTRY
5
5. The Solution
We offer you a chance to build a financial services
business that can take advantage of this industry’s
growth potential.
Our solution offers:
• A platform that helps you build a financial
services business
• A match up field training program so you can
learn from other Transamerica Financial Advisor
(TFA) Representatives
• Start part time, and then go full time when this
business is right for you
• Administrative and back office support from
the TFA and WFG home office including
licensing, commission payments, and provider
agreements. This support lets you focus on what
matters most: your business
We’re building the largest financial services
distribution network to serve the millions of people
who are underserved or overlooked by the financial
services industry.
There has never
been a better time
to join the financial
services industry.
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6. 5
Compensation
As a representative with Transamerica Financial Advisors, your compensation is based on:
Personal Income
When you help families and write new business you earn a commission. As you reach
certain preset levels, your commission percentage increases. You can reach out to anyone
who has a need — there are no limits to the number of clients you can serve.
* Certain restrictions apply.
** Field force refers to all associates ofWorld Financial Group, Inc.
Agency Income
As you grow your business you have the opportunity to mentor and coach Representatives.
As these Representatives write new business, you earn a portion of the overall commissions.
Expansion Income
There are no geographic territories to limit your growth, you can expand anywhere in
the United States and certain U.S. territories.*
With this growth there is potential to earn
income from the teams you develop.
Bonus Income
Qualified leaders can earn a pro-rata share of an override on the entire field force.**
Your
portion of the bonus can grow based on your organization’s production and increase your
earning potential.
7. 6
Recurring Income
A big step in your professional growth is becoming an Investment Advisor Representative
(IAR). As an IAR, through the use of approved third-party money managers, you can offer
professional money management to your clients, which can provide you with recurring income.
The following chart is an example of the Assets Placed Under Management (APUM) growth and increase
in fees paid to an Investment Advisor Representative annually when the APUM grows at a rate of 8%,
compounded annually, after 10 and 20 years.*
Clients APUM SMD Recurring
Income**
APUM after 10 yrs.
at 8% return
SMD Annual
Income
at year 10
APUM after 20 yrs.
at 8% return
SMD Annual
Income
at year 20
Client A $520,000 $3,177 $1,154,213 $6,447 $2,561,937 $12,685
Client B $25,000 $161 $55,491 $357 $123,170 $793
Client C $50,000 $322 $110,982 $714 $246,340 $1,585
Client D $150,000 $965 $332,946 $2,135 $739,020 $4,335
Client E $2,500,000 $12,431 $5,549,101 $24,917 $12,317,007 $52,632
Client F $3,500,000 $16,526 $7,768,741 $34,007 $17,243,810 $72,807
Client G $75,000 $483 $166,473 $1,071 $369,510 $2,311
Client H $3,500,000 $16,526 $7,768,741 $34,007 $17,243,810 $72,807
Total $10,320,000 $50,591 $22,906,687 $103,655 $50,844,605 $219,954
SMD Personal $10,320,000 $50,591 $22,906,687 $103,655 $50,844,605 $219,954
* APUM after 10 and 20 years assumes an 8% annual compounded rate of return net of fees and assumes no taxes, fees or additional contributions.The investment is compounded annually.The chart shown is hypothetical and is not intended to represent a typical case. Both return
and principal value of investments will fluctuate over time. It is unlikely that any one rate of return will be sustained over time. Fluctuations in value will affect the income paid to an IAR.
** Recurring income is payable annually at .0099% of the total APUM times the .65% SMD payout.The example shown is hypothetical.
8. Average Earnings*
Level Average Highest
SMD (Life and Securities Licensed) $68,945 $593,328
SMD (Life, Securities and Advisory Licensed) $81,865 $908,932
EMD $210,441 $1,100,503
CEO MD $472,194 $1,907,697
EVC $1,220,588 $10 million
7 *Average and highest earnings as of March 15, 2015.With the exception of the EVC highest earnings, all numbers are rounded to the nearest dollar.
9. Our Success
*Information listed for number of years as a Registered Representative and total Registered Representatives on a team as of May 29, 2015
Dan Christine Charlier
Beverly Hills, CA
• Prev. Career: U.S. Marine
• 17 years as a Registered Representative
• 117 Registered Representatives
• $1 million+ Earner
Brian Mary Loiseau
Denver, CO
• Prev. Career: CPA
• 16 years as a Registered Representative
• 124 Registered Representatives
• $500,000+ Earner
Jaime Shawn Villalovos
Agoura Hills, CA
• Prev. Career: Health Club Manager
• 15 years as a Registered Representative
• 178 Registered Representatives
• $1 million+ Earner
We have many success stories among our Representatives:*
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10. Our Success
9 *Information listed for number of years as a Registered Representative and total Registered Representatives on a team as of May 29, 2015
Xuan Hoa Nguyen
San Jose, CA
• Prev. Career: Social Worker
• 24 years as a Registered Representative
• 1,321 Registered Representatives
• $10 million+ Earner
Penny Ooi Benjamin Eeo
Pleasanton, CA
• Prev. Career: Loan Officer
• 21 years as a Registered Representative
• 232 Registered Representatives
• $3 million+ Earner
Bill Peggy Mitchell
Cincinnati, OH
• Prev. Career: Engineering Financial Services
• 23 years as a Registered Representative
• 570 Registered Representatives
• $1 million+ Earner
11. It’s Your Time
Why choose TFA?
The power of the Transamerica brand
Representatives from all walks of life helping families from all walks of life
A leading independent broker-dealer with most number of women Representatives*
As an independent Representative you have the ability to provide clients with the
resources of a large corporation but with the choice of products and services from
multiple well known providers in the industry
Excellent income earning potential
You’re in charge: create your own work/life balance
Opportunity to help others while helping yourself and your family
The need has never been greater nor the timing better
Next Steps
Decide if this is the right option for you
Pick up additional information about us
Set an appointment within the next 24 – 48 hours to follow up on this
opportunity and have any questions answered
*“The independent broker-dealers with the most female advisers,”InvestmentNews, April 29, 2015, http://www.investmentnews.com/section/broker-dealer-data-rankings?U=customF=frps 10
