2. Your name here
Regional Leader

3. Most people are concerned about money matters, but few truly understand how money works.

4. The Headlines Tell The Story
More than two-thirds in U.S. live paycheck to paycheck. January 23, 2013
The average American household with at least one credit card has nearly $15,950 in credit card debt (in 2012).” CNNMoney.com, viewed July 18, 2012
Nearly half of Americans have less than $500 in savings. HuffingtonPost.com, October 22, 2012
1.46 million individuals filed for bankruptcy in CBSNews.com, September 11, 2012
95 million U.S. adults have no life insurance. Lifehealthpro.com, July 8,2013
More than half of all workers have less than $25,000 in savings and investments for retirement. Employee Benefit Research Institute 2013 Retirement Confidence Survey
How real and serious are these problems?

5. 100 People at age 65
36% 5% 4% 1%
54%
100 people at age 65:
54% dependent
36% working
5% deceased
4% OK ($1 million)
1% wealthy ($5 million)
Source: SmartMoney, 2001
Why do 95% fail when it comes to their finances?
1. Failure to plan
2. No Financial Education (Uninformed)
3. No financial coach (Misinformed)

6. Building Your Financial House
Fun & Games:
Savings & Investments:
Long term strategy
Written Program:
To Control & Eliminate Debt
Emergency Fund:
3-6 months salary
Income Protection:
Life Insurance, Long Term Care, Will etc.
Problem is Most Americans build there financial house roof first, and they wonder why it’s in shambles!

7. 3 Things out to get your money
1. Your Spouse & Kids
Taxation: Money we pay to the Gov.
2. Inflation: When we lose buying power over time
3. Market Fluctuation: The ups & downs of the economy
There are proven techniques and things that we can use to protect our money from these things.

8. A snapshot of what we do That’s a extra $443,039 @ 9% by age 65!
Example of a couple age 35
BEFORE
AFTER
Tax Overpayment:
Average 2012 tax refund: $2,913
Overpayment: $242/m
Tax Overpayment Solution:
Save overpayment: $242 a month
That’s a extra 9% by age 65!

9. The Rule of 72
This simple calculation gives you the approximate number of years it will take to double your investment. 6 12 18 24 30 36 42 48
Number
of Years 3% 6% 12%
Based on the Rule of 72, a one-time contribution of $2,000 doubles six more times at 12% than at 3%. 3% 6%
12%
$2,000
$2,000
$2,000
6yrs
$4,000
$2,000
$4,000
$8,000
This table serves as a demonstration of how the Rule of 72 concept works from a mathematical standpoint. It is not intended to represent an investment. The chart uses constant rates of return, unlike actual investments which will fluctuate in value. It does not include fees or taxes, which would lower performance. It is unlikely that an investment would grow 10% or more on a consistent basis, given current market conditions.
$16,000
$4,000
$8,000
$32,000
$64,000
$16,000
$128,000
$256,000
6yrs
$8,000
$32,000
$512,000
$256,000 9

10. 3 D’s of successful investing
1. Discipline: Pay yourself first!
When you don’t, there’s a high cost of waiting. $100 Monthly 9% for 40 Years (Age 27-67)
27 $471,640
28 $430,040 (-$41,600)
Wait 1 year ($1,200)
32 $296,380 (-$175,260)
Wait 5 years ($6,000)
42 $112,950 (-$358,690)
Wait 15 years ($18,000)
Who are people hurting if they wait?

11. 3 D’s of successful investing
2. Dollar cost Averaging:
Systematic Investing allows you to use dollar-cost averaging to build wealth over the long term.
Investor A invests $100 a month in a rising market.
Investor B invests $100 a month in a fluctuating market.
Month 1 Month 2 Month 3 Month 4 Month 5 Month 6
$20 18 16 14 12 10 8 6 4 2
Share Price A
Investor A
Rising Market
Investor B B
Fluctuating
Market
Investor A Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Per share: $10 $12 $14 $16 $18 $20 # of shares:
Investor B Per share $10 $7 $4 $2 $6 $10 # of shares
Invests $100
per month
Number of Shares Accumulated 42
126
Amount Invested Value after Average Cost in 6 months Months
A $600 $840 $ B $600 $1,260 $4.76
*Dollar cost averaging cannot assure a profit or protect against loss in declining markets. Investors should consider their ability to continue to invest in a declining market.

12. 3 D’s of successful investing Cont’
3. Diversification:
So being Disciplined, using Dollar cost averaging, and being Diversified, we increase our chances of doing better.
* Diversification does not assure a profit or protection against loss.

13. Do You Know Your Financial Independence Number?
Your financial independence number is the amount of money you need to accumulate so that when you retire you won’t run out of money and have to go back to work!
You want $2,500 per month to retire today…
30 years from now, after 3% inflation… you will need $6,083 per month to buy what $2,500 buys today!
“$30,000 today is $73,000 in 30 years!”
Your FIN is $1,080,000
To get there, invest $585 per month for 30 years at 9% = $1,080,000
How important is it to know your Financial Independence Number?
This hypothetical example assumes 20 years of retirement income needed, at a 6% post-retirement rate of return and 3% inflation. Hypothetical investment rates assume a nominal 9% rate of return, compounded monthly, and is not indicative of any specific investment. Any actual investment may be subject to taxes and fees, which would lower performance. This example shows a constant rate of return, unlike actual investments which may fluctuate in value.

14. A snapshot of what we do
BEFORE
AFTER
Tax Overpayment:
Average 2012 tax refund: $2,913
Overpayment: $242/m
Tax Overpayment Solution:
Save overpayment: $242/m
Save 9% by age 65!
Debt Situation:
1st mortgage/personal debt: $212,664
Monthly payments: $2,720/m
Debt Free: 24 Years - AGE 59
Cost $214,442 in interest
Debt Solution:
Eliminate with debt stacking
Monthly payments: $2,720/m
Debt Free In : 9 Years – AGE 44
Save $130,643 in interest
Save $2.4 9% by age 67!
If you could improve on your current situation anyway similar would that interest you?

15. Debt Stacking Do Financial Companies Want You To Know This? Age 35
Retail Card 1
Credit Card 2
Car Loan Credit Card 1
Mortgage
Total
$220
$353
$551
$303
$1,293
$2,720
$353
$551
$303
$1,293
$2,720
$551
$303
$1,293
$2,720
$220
+ $220
As each debt is paid off, you apply the amount you were paying to that debt to the payment that you were making on the next target account.
$303
$1,293
$2,720
$573
+ $573
$1,293
$2,720
$1,124
+ $1,124
$1,427
+ $1,427
$2,720
23 years to pay off debt and $214,442 in interest paid
Paid off in 9 years, Age 44 (14 years sooner) Interest saved $130,643
(Age 44) Once debts are paid off, invest $2,720 each month at Retirement … Age 67 = $2.4 million
Do Financial Companies Want You To Know This?
*The above example is for illustrative purposes only. The Debt Stacking concept assumes that: (1) you make consistent payments on all of your debts, (2) when you pay off the first debt in your plan, you add the payment you were making toward that debt to your existing payment on the next debt in your plan (therefore you make the same total monthly payment each month toward your debts) (3) you continue this process until you have eliminated all of the debts in your plan. In the example above, when the retail card 1 is paid off, the $220 is applied to credit card 2, accelerating its payment to $573. After credit card 2 is paid off, the $573 is applied to car loan for a total payment of $1,124. The process is then continued until all debts are paid off. Note that the total payment per month remains constant.

16. To Create an Immediate estate in the event of a premature death.
A snapshot of what we do
BEFORE
AFTER
Tax Overpayment:
Average 2012 tax refund: $2,913
Overpayment: $242/m
Tax Overpayment Solution:
Save overpayment: $242/m
Save 9% by age 65!
Debt Situation:
1st mortgage/personal debt: $212,664
Monthly payments: $2,720/m
Debt Free: 24 Years - AGE 59
Cost $214,442 in interest
Debt Solution:
Eliminate with debt stacking
Monthly payments: $2,720/m
Debt Free In : 9 Years – AGE 44
Save $130,643 in interest
Save 9% by age 65!
Life Insurance:
What exactly is Life Insurance by definition?
To Create an Immediate estate in the event of a premature death.

17. The Theory of Decreasing Responsibility
How Life Works
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 17

18. Cash Value Life Insurance vs. Buy Term and Invest the Difference
Investment at 70
$518,673
Cash Value Life Insurance Whole Life, Universal Life, Variable Life
Buy Term and Invest the Difference
SAME $298
Savings
$300,000
John age 35
$300,000
Mary age 33
Cash Value
? ? ?
$150,000
John age 35
$150,000
Mary age 33
$175 @9%
$123
Monthly Premium
$298
Monthly Premium
(35-year Level Term, $25,000 on two children) Renewable to Age 95
Which program would you want?
Monthly premium for cash value policies is an average of whole life policies from three major North American life insurance companies for male, age 35, standard risk and female, age 33, standard risk. Cash value life insurance can be universal life, whole life or variable life, and may contain benefits in addition to a death benefit, such as dividends, interest, or cash value available for a loan or upon surrender of the policy. Whole life usually has a level premium for the life of the policy. Primerica monthly premium for age 35, non-tobacco use for 35-year Custom Advantage policy (C535) and spouse age 33, non-tobacco use for 35-year Custom Advantage rider (C5SR), both with rates guaranteed for 20 years, plus a child rider of $25,000 each on two children, underwritten by Primerica Life Insurance Company, Executive Offices: Duluth, GA. Term insurance provides a death benefit only and its premiums increase at certain ages. The accumulation figure reflects continued investment at the same rate over 35 years at a 9% nominal rate of return compounded monthly and does not take into consideration taxes or other factors, which would lower results. This example uses a constant rate of return, unlike actual investments which will fluctuate in value. This is hypothetical and does not represent an actual investment.

19. A snapshot of what we do BEFORE AFTER Tax Overpayment:
Average 2012 tax refund: $2,913
Overpayment: $242/m
Tax Overpayment Solution:
Save overpayment: $242/m
Save 9% by age 65!
Debt Situation:
1st mortgage/personal debt: $212,664
Monthly payments: $2,720/m
Debt Free: 24 Years - AGE 59
Cost $214,442 in interest
Debt Solution:
Eliminate with debt stacking
Monthly payments: $2,720/m
Debt Free In : 9 Years – AGE 44
Save $130,643 in interest
Save 9% by age 65!
Life Insurance:
$150,000 Cash Value on Jack
$150,000 Cash Value on Donna
$0 on Children
Total coverage: $300,000
Cost per month: $298/m
Life Insurance Solution:
$300,000 term on Jack & Donna
$25,000 on Children
Total coverage: $625,000
Cost per month: $123/m
Save 9% by age 65!
Auto & Home Insurance:
Average cost per month: $243/m
Auto & Home Ins. Solution:
Average savings per month: $65/m
Save 9% by age 65!

20. Our Mission
To help families earn more income and become properly protected, debt free and financially independent
What we do:
Primerica provides a complimentary FNA (Financial Needs Analysis)
A Financial GPS
*See endnotes for important disclosures.

21. Our Partners Life Insurance Debt Solutions Auto & Home Insurance
Quotes from such companies as:
Safeco and Progressive
Debt Solutions
Referrals by Primerica Client Services, Inc. to
Primerica DebtWatchers
Offered by Primerica Client Services, Inc. through contractual agreement with
Legal Protection
1 Not all products/services available in all states or provinces. A representative's ability to market products from the companies listed is subject to state and federal licensing and/or certification requirements. 2 Not available to residents of Washington, D.C. 3 In the United States, securities are offered by PFS Investments Inc. (PFSI), 1 Primerica Parkway, Duluth, Georgia I. 4 PFS Investments Inc. (PFSI) is an SEC Registered Investment Adviser doing business as Primerica Advisors. PFSI is a member of FINRA and SIPC. Lockwood Advisors, Inc. (Lockwood) is an SEC Registered Investment Adviser and an affiliate of Pershing LLC, each subsidiaries of The Bank of New York Mellon Corporation (BNY Mellon). Pershing LLC, member FINRA, NYSE, SIPC. SEC registration neither implies nor asserts the SEC or any state securities authority has approved or endorsed PFSI or Lockwood or the contents of this disclosure. ln addition, SEC registration does not carry any official imprimatur or indication PFSI or Lockwood have attained a particular level of skill or ability. Neither Lockwood or BNY Mellon is affiliated with Primerica. 5 In Canada, mutual funds are offered by PFSL Investments Canada Ltd., mutual fund dealer, Segregated funds are offered by Primerica Life Insurance Company of Canada. See notes page for important company affiliations and other disclosures. 6 Neither PCS nor its representatives offer or provide services such as credit repair or improvement, debt or credit counseling, debt settlement or other similar services.

22. Question How many people need help financially?
How many people have a financial plan?
What’s the likelihood they will retire financially secure without a plan to help them along the way?
Only 5% of the U.S. Population
have a financial game plan

24. Primerica We have a 35-year proven track record
#1 rank term life company
4.3 million lives insured through our life companies
Over $675 billion of life ins. in force
Over $2.8 million in death claims paid every day
Over 2 million investment clients
$45 billion in assets under management
Winner of 10 Dalbar Awards in a row
A+ accredited member of the Better Business Bureau
Rated A+ (Superior) by A.M. Best, the oldest and most prominent rating agency in the industry.*
Doing business in one of the most highly regulated industries