1. RETIRING WITH PACs

2. PROSPECTING If I Could Show You How To Build A $40k Annual Pension With Just 8-10 Hrs Week For The Next 3-5 Years, Would You Be Interested? If You Could Augment Your Pension By $30k - $40k Per Year By Just Working Part Time For The Next 3-5 Years, Would You Be Interested In Finding Out How? If I Could Show You How To Make $40k Year Working 8-10 Hours Week Would You Be Open To Getting More Information If I Could Show You How To Make An Extra $3-4k Per Month In Income Working 8-10 Hours/Week, Would You Give Me 20-30 Minutes Of Your Time?

3. INVESTMENT INCOME 1) Initial Contributions –Opening New Accounts –Pension And Investment Transfers 2) Subsequent Contributions –PACs –Transfers 3) Trail Fees –Regional Leader & Above –¼% Pay Out Of Overall Book Of Business –Grows As Book Grows

4. 40% Of Americans Have An IRA If You Had Better Investments Options/Returns? If You Offered A Real Plan? If It Didn’t Cost Them Anything Extra? Why Wouldn’t They Do Them Through You? ADVISOR

5. Develop 2 Clients/Week For 3 – 5 Years $300 - $500 mo. $150,000/Month In PAC’s = $3,875 Month Or $46,500 Annual Income ADVISOR

6. PENSION DistrictDivisionRegionalRvp 1.75%1.875%2.125%3.1% $1,000$17.50$18.75$21.25$31.00 $3,000$52.50$56.25$63.75$93.00 $5,000$87.50$93,75$106.25$155 $10,000$175.00$187.50$212.50$310 $25,000$437.50$468.75$531.25$775 $50,000$875.00$937.50$1,062.50$1,550 $100,000$1,750$1,875$2,125$3,100 $150,000$2,625$2,812.50$3,187.50$4,650 $250,000$4,375$4,687.50$5,312.50$7,750

7. P.A.C. OVERRIDES DivisionTotalRL Overrides RVP Overrides Total Annual Leaders Monthly PAC’s.25%1.25%RVP INCOME 10 x $10,000$100,000$250$1,250$15,000 10 x $50,000$500,000$1,250$6,250$75,000 10 x $150,000$1,500,000$3,750$18,750$225,000 30 x $150,000$4,500,000$11,250$56,250$675,000 Help 30 people build a $30,000 annual residual income and you can earn over $675,000 as an R.V.P. Does not include insurance overrides, insurance bonuses, MF bonuses, $MART or PPLP income

8. 3 – 5 YEAR PLAN Build a Passive Residual Income 2 clients/week – (5-10 hours) 300 clients X $500 or 500 clients X $300 = $150,000 month PACs.

9. $150,000 Mo. – 20 Yrs. R.L. @ 2.12% = $2,583 mo. = $31,000 annual R.V.P. @ 3.10% = $ 3,875 mo. =$ 46,500 annual Over $175K in annual trail income @ $108 Million AUM

14. PREPARE TO RECEIVE

15. Get Your License FastGet Your License Fast Start Opening AccountsStart Opening Accounts –He Who Gets The Pac Gets The Lottery Win Get Good, Use The ResourcesGet Good, Use The Resources –EPN –Roy Matlock – The Bomb –Nick Murray – Behavior Management –Fund Company Resources PREPARE TO RECEIVE

16. Nick Murray My career both as an advisor and now as an advisor to other advisors, has been based on the realization that investment performance (a) can’t be predicted, (b) can’t be controlled, other than through the asset allocation decision stocks/bonds, and (c) doesn’t matter. The vast preponderance of an investor’s lifetime return comes not from investment performance but from investor behavior, and that, I found, was something over which I could exercise some meaningful control if I worked on it pretty much full-time. This meant that I did virtually no "portfolio management" — which was just fine, because I’d decided it was mostly a waste of energy anyway.My career both as an advisor and now as an advisor to other advisors, has been based on the realization that investment performance (a) can’t be predicted, (b) can’t be controlled, other than through the asset allocation decision stocks/bonds, and (c) doesn’t matter. The vast preponderance of an investor’s lifetime return comes not from investment performance but from investor behavior, and that, I found, was something over which I could exercise some meaningful control if I worked on it pretty much full-time. This meant that I did virtually no "portfolio management" — which was just fine, because I’d decided it was mostly a waste of energy anyway.

17. Nick Murray I’ve never suggested that the funds/managers I chose were going to outperform those owned by my clients’ neighbors. Instead, I’ve maintained that my clients were going to outperform their neighbors. The trick has been getting them to see that these are two entirely different things.I’ve never suggested that the funds/managers I chose were going to outperform those owned by my clients’ neighbors. Instead, I’ve maintained that my clients were going to outperform their neighbors. The trick has been getting them to see that these are two entirely different things.

18. Nick Murray The reason we were going to get better results than virtually the entire rest of the investor population, I said, was that we were going to behave more appropriately than that same percentage of investors. Not so much by doing something exceptionally, brilliantly right, but by avoiding the Big (Behavioral) Mistake.The reason we were going to get better results than virtually the entire rest of the investor population, I said, was that we were going to behave more appropriately than that same percentage of investors. Not so much by doing something exceptionally, brilliantly right, but by avoiding the Big (Behavioral) Mistake.

19. Nick Murray Forget markets; forget relative performance. Get your own psychology under control, and then concentrate on helping clients to behave appropriately — or just not to behave inappropriately. And you’ll have more than riches: you’ll have happiness.

20. POSSIBILITY Average broker $186m Nick Murray Roy Matlock Morningstar

21. CONSIDER THE MARKET Estimates are that up to $70 trillion may be available to change hands in the next 20 years as the baby boomers receive their inheritances, pensions, insurance benefits and equity sell offs. 70,000 Billion Build a financial distribution business that captures just 1 Billion and your family is truly ‘set for life’.