Families and individuals throughout North America are facing difficult economic times. But as they go through their day-to-day challenges, many of them are neglecting to protect their futures:

• Eight-in-10 Canadian households own life insurance half of these households say they do not have enough life insurance
  
  

It's Time to Reverse These Trends
Family by family, individual by individual, WFG financial professionals are changing the way people at all income levels secure their future and protect their loved ones. And we can help you preserve your family's standard of living in the event that something were to happen to you or your spouse.

WFG offers life insurance solutions with your needs in mind:

Term life insurance: Term is the least expensive way to prepare for life's unexpected events over a short term.

Permanent life insurance: Choose from whole or universal life, for a great way to build cash value while protecting the people you care about in the event of an untimely death. The cash value, depending on the type of permanent life insurance you choose, can steadily accumulate and be available to you for your child’s education, business opportunities or to supplement retirement income.

Purchasing the right life insurance is one of the most important decisions you can make. A WFG financial professional can perform a WFG Financial Needs Analysis with you to find the right solution for your family.

Segregated Funds (SEG funds): SEG funds are often described as "mutual funds with an insurance wrapper." Much like mutual funds, money invested in a SEG fund is pooled to purchase a portfolio of securities, and the value of that portfolio will change in response to the performance of those underlying securities.

In addition to the advantages that come with mutual funds, SEG funds also offer added benefits including:

• Life Insurance - SEG funds offer a guaranteed death benefit.
• Estate Preservation - SEG funds are excluded from an estate if there is a named beneficiary. Proceeds are not subject to certain estate fees or probate procedures.
• Principal Guarantee- SEG funds provide extra protection against loss due to poor market performance. Depending on the SEG fund, investors are guaranteed to get back at least a minimum percentage of the amount that they originally invested (less withdrawals).
• Maturity Guarantee Resets - Segregated fund families let investors lock in their market gains and reset their maturity guarantee amounts on a regular basis.
  
  

To schedule an appointment with a WFG financial professional, please click here to find a WFG office in your area.

When it comes to retirement, many people feel as if they’re on a treadmill going nowhere. The recent recession has reduced retirement portfolios, and the day-to-day financial obligations make saving challenging. The possibility that a person may outlive his or her savings is very real:

• In 2009, just 37% of Canadians are very confident they will have enough money to live on in retirement²⁰
• It's projected that half of middle income Canadians born between 1945 and 1970 will experience a drop in living standards of at least 25 percent when they retire²¹
  
  

WFG Is Restoring Retirement Dreams
WFG financial professionals offer a variety of solutions that are helping people get on track for retirement. Through the WFG Financial Needs Analysis tool, your WFG financial professional can help you:

• Determine how much money you need to fuel your retirement dreams
• Uncover opportunities to reduce current spending to save more
• Rebalance your current retirement portfolio for optimal results
• Determine ways to enhance your income to help meet your goals
  
  

We're here for you with the right strategies and solutions-when you need them. WFG financial professionals have experience in working with people from all income levels and at all stages of retirement planning. They can help you make important decisions that will enable you to live your dreams in retirement.

To schedule an appointment with a WFG professional to determine your retirement strategy, please click here to find a WFG office in your area.

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WFG financial professionals are just as driven to provide financial security to small and mid-sized businesses as they are to families and individuals across North America. In fact, we believe that financially secure businesses are vital to our commitment to create better tomorrows for all people.

We understand that owning a business comes with hard-work, responsibility, and risk. And we want to help you protect the business you've built.

For financial services support, your WFG financial professional is your partner, ensuring you are prepared for the death or disability of key employees, have business continuation strategies in place, or offer beneficial services to you and your employees. Each small business solution is custom-tailored by your WFG professional to make sure that each of your business' needs is specifically catered to.

To schedule an appointment with a WFG professional to determine your Business solutions, please click here to find a WFG office in your area.

The WFG Financial Needs Analysis is a suitability and needs analysis developed by World Financial Group. The 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 herein constitutes a solicitation for the purchase or sale of any specific security or financial service.

Cash Flow Earn additional income Manage expenses Debt Management Consolidate debt Strive to eliminate debt Proper Protection Protect against loss of income Protect Family Assets

Asset Accumulation Outpace inflation/minimize taxation Professional money management Emergency Fund Save three to six months' income Prepare for emergency expenses Estate Preservation Reduce estate tax Build a family legacy