Get Fundamentally Sound

Simplify to Multiply

Today 1. Young children 2. High debt 3. House mortgage Loss of income would be devastating At Retirement 1. Grown children 2. Lower debt 3. Mortgage paid Retirement income needed How Life Works The Theory of Decreasing Responsibility

Income Replacement $1,000 per Month $120,000 Liquid Assets $120,000 $120,000 Invested at 6 - 8% will last for 20 – 25 years Withdrawal Schedule

The Power of Compound Interest The Rule of 72 This simple calculation gives you the approximate number of years it will take to double your investment. Based on the Rule of 72, a one-time contribution of $10,000 doubles four more times at 12% than at 4%. The table serves as a demonstration of how the Rule of 72 works and is only an approximation of accumulations. It is not intended to represent any specific investment, in which rates of return will fluctuate. How many doubling periods do you have in your life? ? Number of Years 4%6%12% 0$10,000$10,000$10,000 6$20,000 12$20,000$40,000 18$20,000$80,000 24$40,000$160,000 30$320,000 36$40,000$80,000$640,000

$1.3 Million 12% 3%$148,680 6% $286,370 “Compound interest is the most powerful force in the universe.” Albert Einstein, as quoted in Dow 40,000 by David Elias (1999) Rates of return are nominal rates, compounded monthly. Contributions are assumed to be made at the beginning of the month. The chart above is not indicative of any particular investment or savings vehicle. It does not take into consideration taxes or other applicable deductions. One of the biggest reasons people don’t save: too much debt $200 Monthly Savings for 35 Years Age

The hypothetical 10% rate of return and tax-deferred accumulation shown for both IRA accounts are not guaranteed or intended to demonstrate the performance of any actual investment. Unlike actual investments, the accounts show a constant rate of return without any fees or charges. Tax-deferred growth and any tax-deductible contributions are taxed upon withdrawal. Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Assumes payments are made at the beginning of compounding period with 10% rate of return compounded monthly. It pays to start early! Investor A AgeAnnual End of Year PaymentAccumulation 225,0005, ,00011, ,00018, ,00025, ,00034, ,00043, ,00053, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,054, ,165, ,287, ,421, ,570,820 Total Contributions: $35,000 Total Accumulation at Age 62:$1,570,820 Investor B AgeAnnual End of Year PaymentAccumulation ,000 5, ,000 11, ,000 18, ,000 25, ,000 34, ,000 43, ,000 53, ,000 64, ,000 76, ,000 90, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000 1,103, ,000 1,224, ,000 1,358, ,000 1,505,730 Total Contributions: $170,000 Total Accumulation at Age 62:$1,505,730 When does $35,000 exceed $170,000?

The Mountain Chart ICA Guide

The Training Process 1. Licensing 2. Classroom Training 3. 1 – on – 1 Training

10 Qualified Field Training Appointments DateClientDateClient – on – 1 Sessions DateMeetingDateMeeting OrientationGoal Setting Fast Start PlannerPrimerica Online Personal FNALadder of Leadership 1 st 30 Days

Top 25 Training List Top 10 = 10 Appts. 6 Clients3 Recruits 3 New Recruits Top 30 x 3 = 30 Appts. 18 Clients9 Recruits 9 New Recruits Top 10 x 9 = 90 Appts. 54 Clients27 Recruits 27 New Recruits Top 10 x 27 = 270 Appts. 162 Clients81 Recruits

Compound Recruiting YOU WEEK 1 Week Week 3 Week 4 Week 5 Week 6