One of the industry s Fastest Growing RIAs

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1 One of the industry s Fastest Growing RIAs The growth of POM Planning is truly amazing. Its unique low drawdown risk platform has made it one of the fasted growing RIAs in the entire financial services industry. Why is this story so amazing? -Of the advisors who have checked out over 500+ advisors have gone to training. -Of the 500+ who went to training, over 250 got contracted to start working with POM Planning. -Of the over 250+, over 150 have picked up Assets Under Management (AUM) (keep in mind, many are true newbies to the assets-under-management game; and they are having immediate success). -The 150+ advisors have collectively picked up over $600 million in AUM in just over three years. That s truly crazy. Crazy good. Why are advisors working with POM Planning doing so well and having so much success in picking up AUM? 1) POM Planning offers a very unique low risk/high yield money-management platform. For example, the top three "conservative" strategies have an average Beta of.37* (the S&P has a Beta of 1.00). The average annual return for their top three "low-risk" managers going back seven years is 9.19%* net of fees (truly incredible for "low-risk" strategies). The top three "moderate-risk" strategies have a Beta of.523.* The average annual return for their top three "moderate-risk" managers going back seven years is 19.28%* net of fees (again truly incredible for "moderate-risk" strategies). *2015 year-end numbers. *Click on the following to learn about this unique AUM platform: 2) POM Planning offers a no-load VA where its unique platform can grow without annual capital gains taxes for only $25-a-month fee. Click on the following to learn about their no load VA: 3) POM Planning has the best training in the industry when it comes to teaching advisors how to pick up new clients and, in turn, millions of dollars under management. Click on the following to learn about their training: So what are you waiting for? If you want to take money away from your local Edward Jones, Merrill Lynch, Wells Fargo, etc., brokers and build for yourself a substantial reoccurring revenue stream with a low risk/high return platform (one that dovetails well with fixed products like FIAs and IULs), you should act now to sign up for more information. To sign up for a due-diligence packet on POM Planning, click on the following link:

2 Why Obtain a Series 65 License By: Roccy DeFrancesco, JD, CWPP, CAPP, CMP Founder: The Wealth Preservation Institute Co-Founder: The Asset Protection Society 1

3 Series 65 Basics What s a Series 65 License? A Series 65 License allows an advisor to charge a fee for managing a client s money (a fee-only license). You can think of a Series 65 as an equivalent license to a Series 7 except that with a Series 65 the advisor cannot earn commissions. Series 7 licensed advisors work through Brokers Dealers. Series 65 licensed advisors are Registered Investment Advisors (RIAs) or Investment Advisor Representatives (IARs) who work under an RIA.

4 Some advisors have been proactive I ve been pounding the drum for over three years as to why advisors should obtain a Series 65 license. Over 250 people have followed my recommendation and it s paid off in multiple ways. Over $600 million in AUM Many have double their fixed sales They are already setup to deal with the DOL Regs.

5 It s a new world out there The DOL fiduciary regs for many are a game changer. The DOL regs will have the following effects on advisors: ALL advisor giving advice to clients with money in IRAs are now fiduciaries (and have increased liability that runs with being a fiduciary (giving advice that is solely in the client s best interest)).

6 BIC Exemption This is going to kill FIA sales. Commission based products are not banned. However, to sell one you need to comply with the BIC exemption. Disclose in writing your commission plus any cash or non-cash incentives - you are receiving (like incentive trips or bonus commissions) Some think you muse also disclose the override an IMO makes. The buyer must actually sign a notice of disclosure document.

7 Continued You will be held to an Impartial Conduct Standard when determining if you sold clients the best product. This is huge. You have to be able to demonstrate that you know and researched all the relevant products before making a recommendation. Gone will be the days of recommending the same product over and over. And I think it calls into question proprietary products that many agents like to peddle. Retain records/research for 6 years showing you complied with BICE. (You better go check out and start using a CRM system immediately).

8 Answer the following questions Do you need a securities license if you tell a client to buy an FIA inside an IRA? to take money from a brokerage account to fund an Equity Indexed Universal Life Insurance (EIUL) policy? to move money from mutual funds to fund an SPIA (Single Premium Immediate Annuity)? Technically you don t under the DOL regs. Most agents would say no, but guess who is starting to say YES! State security departments.

9 Source of Funds Rule The SOF rule looks at where the money comes from when funding fixed products. If the money came from the liquidation of a security, that may be a violation of the SOF rule. Have you ever heard of an insurance only licensed advisor getting in trouble for violating the SOF rule? It's happening and insurance agents need to protect themselves. Arkansas Insurance Department Bulletin No and Iowa Insurance Department Bulletin These bulletins says that insurance only licensed advisors cannot recommend the liquidation of investments/securities to fund a fixed life or annuity product. A violation will cost insurance agents up to a $10k per violation in TN and $20k in AR (and potential loss of license).

10 Another example The AR securities commissioner approved a settlement with two insurance agents resulting in a $2,500 fine for each agent. An IMO sent direct-mail invitations targeting senior citizens interested in Social Security planning. The agent recommended to an elderly client that he liquidate 60% of his securities holdings and buy a FIA with a 14 year surrender charge and no income rider. When the insured realized this, he called Arkansas Securities Department and canceled the transaction. AR Securities Commission found that the agents acted as unregistered investment advisers in recommending that the man sell securities and replace them with an equity indexed annuity.

11 IL deems FIAs as securities In 2014 the State Securities Department in IL deemed FIAs as securities. This was affirmed in a court case that is now pending appeal. While the case didn t focus on FIAs being a security (it focused on the inappropriate sales tactics of an agent), it is a strong indicator that tells us all where the states are headed (they are headed down the path of regulating FIAs (and maybe by extension EIUL policies) as securities).

12 New Fiduciary Disclosure for FIAs Nationwide s new fiduciary disclosure for FIAs. A registered rep. who is currently licensed with a B/D may be required to assist you with the liquidation of your portfolio to fund the purchase of a fixed annuity. If the producer who recommended the purchase of the fixed annuity compared your existing portfolio to the fixed annuity, they MUST be licensed with a broker dealer or acting in a fiduciary capacity to you, pursuant to a written agreement, and be a Registered Investment Advisor (RIA) or an Investment Advisor Representative with an associated person of an RIA.

13 The writing is more than on the wall What more do you need to come to the conclusion that getting a Series 65 license is a MUST? DOL regs make everyone a fiduciary when giving advice to clients with money in IRAs SOF Rule States going after agents selling FIAs without a securities license IL deeming FIAs as securities But if the above isn t enough, get a 65 so you can use the best marketing platform in the industry. A platform that will also help you give better advice.

14 Generate more income Let s face it, most advisors today are not doing well or are not doing as well as they would like financially. A very simply way to remedy this it to obtain a 65 license. Well, it s not enough just to get a 65, you need a 65 and a good platform to gather Asset Under Management (AUM).

15 The best platform I ve ever seen I ve been helping advisors market themselves and provide the best advice to their clients going back to In all the time I ve been in the business, I ve never seen a marketing platform like the one offered by In fact, I stayed away from recommending an AUM platform for over 12 years until I saw the power and simplicity of

16 Marketing How hard is it to offer clients the following: -The top three "conservative" strategies have an average Beta of.37* with an average annual return going back seven years of 9.19%* net of fees. -The top three "moderate-risk" strategies have a Beta of.523* with an average annual return going back seven years of 19.28%* net of fees*. *Numbers year-ending 2015.

17 Income from AUM The math is simple and clear. 65 licensed advisors typically charge a 1% fee annually to manage a client s money. The average newly securities licensed advisor (who s trying) that comes on board with brings in $2-$4 million a year in new money (seasoned advisors bring in much more). After three years of using this platform, many advisors will be at or over $10 million dollars. That s $100,000 in annual reoccurring revenue.

18 Does it really work? I usually say if 100 agents try a marketing platform, they d be lucky if 10 (10%) of them had success. POM Planning has had over 200 advisors come on board in the last 3.5+ years and over 50% of them have AUM. They have collectively brought on board over $600 million in AUM over that short time frame. This makes POM Planning one of the fastest growing RIAs in the industry. My question is.what are you waiting for?

19 Increased fixed sales Many advisors watching this presentation only sell fixed products. POM Planning uses a three bucket approach where bucket #1 is a fixed bucket (FIAs and/or EIUL). Unlike BDs who shun fixed sales, not only understands them, but encourages their use. Because of this, many advisors who come on board will double their FIA sales while at the same time picking up AUM.

20 Better/more comprehensive advice I know this is 3 rd on the list for this webinar, but #1 on my list is always providing the best advice to clients. Advisors who are not securities license are at the very least limited in the advice they can give. Non-licensed advisors tend to advocate that clients put more money into fixed products than might be prudent (because the advisor can t make money on the AUM side of the coin).

21 Continued Advisors who do things properly will have to tell clients they can t give advice about where to put their money when it comes to the stock market. That leaves the client to typically use a series 7 licensed advisor that may or probably won t put the client s interest first (Ameriprise, Wells Fargo, AG Edwards, Northwestern Mutual, Mass Mutual, NY Life, Merrill, Morgan Stanley, etc). By having a 65 you at least have a fighting chance to provide the best advice to clients.

22 Should you learn about tactically managed strategies? If you like the idea of offering clients strategies that have less risk than the S&P 500, mutual funds, asset allocation, and indexing. offering strategies that historically (5, 10, 15, 20+ years) have done better than of the MPT/balance portfolios and have had similar returns to the S&P 500. offering strategies where when the stock market crashes, you know your clients will be protected from significant losses. Then you should learn about the tactically managed strategies offered by

23 One more reason My favorite TTM strategy vs. S&P 500 (drawdown chart) My favorite TTM strategy vs. S&P 500 (rate of return)

24 Why deal with a low drawdown platform?

25 RIA vs. IAR Most insurance agents who get a 65 will want to be an IAR (investment advisor representative) that works under an RIA (registered investment advisor). With a 65 you can become your own RIA but there is an added startup expense to that and then there is the annual ongoing compliance expense. As an IAR, you use the approved material and go forth to market and work with clients (pretty headache free).

26 Objections to obtaining a 65 I don t want to be regulated. There is a big difference between having a series 7 under a BD and a 65 under an RIA. If you are an IAR under an RIA the compliance is much less/different and is more the RIAs responsibility (they get the audit) No big brother situation where you have to give out your personal to avoid the BD from reading your s. I don t want to take the 65 exam. Don t worry about the exam, you can pass it.

27 Continued I m series 7 licensed. I get this one a lot from those who have big books of business with a BD. Sometime they just don t want to deal with moving the book (even if they determine that using tactically managed strategies through is better for many of their clients). Is that a client centered point of view? Also, with the DOL regs, guess what? You essentially are a fiduciary so you might as well own it and become a 65.

28 Summary I really can t give an insurance only licensed advisor a reason not to get a 65. Doing so will help you provide more comprehensive advice to clients. help you avoid regulatory problems. help you generate significantly more revenue (both when gathering AUM and through increased fixed product sales). As for those who have a Series 7 license, are you truly working in an environment that allow you to provide the best unbiased advice to clients? I imaging after looking in the mirror, many 7 licensed advisors will come to the conclusion they are not. If that is the case, I encourage them to get a 65 and become truly independent advisors.

29 Questions Roccy DeFrancesco, JD Founder, The Wealth Preservation Institute

30 Sign up form POM Planning s two-day training in Las Vegas September 19-20, 2016 Our Time Tested Training is Coming Back to Las Vegas! Does $600 million in new money in a little over three years get your attention? It should and is one of the reasons our firm is one of the fastest growing RIAs in the industry right now. Why such growth? It s simple. We have something unique others do not: -The top three "conservative" strategies have an average Beta of.37* with an average annual return going back seven years of 9.19%* net of fees. -The top three "moderate-risk" strategies have a Beta of.523* with an average annual return going back seven years of 19.28%* net of fees. *Numbers year-ending Unique industry training among other things, we teach advisors: -how to utilize our easy-to-understand money-management system to bring on 7 to 10 new clients per month and millions of dollars in new business. -how to be Field Savvy so they are not afraid of ANY competition. This is the brokerage-statement-analysis training we do. -how to dismantle the advice offered by brokerage firms and banks that are forced to sell clients on their buy-and-hold models. Proven Success The average newly licensed advisor who comes on board with our platform will gather $2-$4 million a year in new AUM. The average seasoned securities licensed professional will gather $5-$10 million in new AUM every year. Because of our simple three-bucket approach, insurance licensed advisors who come on board typically double their fixed product sales (FIAs and/or EIUL). There is no doubt our training and low-drawdown risk/tactically managed strategies are second to none! Name as it appears on your credit card: Address : City State Zip -how to understand the ease of using a three-bucket system to manage risk and to help determine a client s investment risk tolerance. For more information on training, go to Three Special Guest Speakers We are excited THREE of our managers will be speaking at the seminar. Each will go over their unique low risk/high return philosophies so you can understand how they create high returns in a low risk environment. Also, our newest manager who has an average ROR over 25% going back to 2007 (this includes the crash) will be speaking as well. Not Securities Licensed Yet? With the new DOL Regulations and with the Source of Funds rule rearing its ugly head, it s time for non-licensed advisors to get off the fence about whether or not to obtain a license. If you are one of them, this seminar is a must to attend. You will learn specifically the power of using the POM Planning platform to pick up millions in AUM, how the platform will increase your fixed life and annuity sales, and how it will help protect you from regulatory problems. Phone I am currently Series 65 licensed (Yes/No)? I am already an RIA (Yes/No)? Credit Card Payment: Visa or MC Card Number Cost $150 # Exp. Date: 3 digit ID on the back of the card To officially sign up for the seminar, mail or fax this form to 3365 Circle Dr., St. Joseph, MI Fax: Phone: The address above needs to be the billing address for the credit card. If you have questions, please info@pomplanning.net or call To make hotel reservations at Vegas s Luxor hotel, click here or call and use PEACE16P as the discount code ($56 a night). Investment advice is offered by Horter Investment Management, LLC, a Registered Investment Adviser. Insurance and annuity products are sold separately through Horter Financial Services. Securities transactions for Horter Investment Management clients are placed through Pershing Advisor Solutions, Trust Company of America, Jefferson National Monument Advisor, Fidelity, and Security Benefit Life.

31 Sign-up Form for Full Day Marketing Seminar September 21, 2016, 8am-4pm Marketing, Marketing, Marketing Is there anything more important in the industry today than marketing? The biggest problem advisors have today is that they don t have enough clients. At this seminar Roccy DeFrancesco will be discussing/illustrating several unique/proprietary marketing tools that every agent is going to want to learn about. -College Seminars for Financial Planning many advisors are looking for a new seminar system to get in front of qualified clients at a low cost. During this session you will learn about a time test seminar platform based on doing financial planning seminars at local colleges. The success so far has been stunning. -Personal Financial Management (PFM) software the future is here and it starts with one of the most powerful tools ever created for the financial services/insurance industry, i.e., the PFM Software. The PFM program is a data aggregation system that allows advisors to see client data (the industry s only PFM with an advisor portal) so reports can be created to facilitate a discussion about the client s cash flow and retirement planning. -New financial planning software do you use Retirement Analyzer? How about emoney, Financial Logic, or MoneyTree? Roccy has been working for a year on his own comprehensive financial planning software and there is nothing like it in the industry. It will combine aspects of the previously listed programs and more. The program also integrates with the PFM program. It s intellectually honest software that is extremely easy to use. -Risk Analysis Software if you are familiar with Riskalyze, you ll love our Risk Analyzer. Our software not only calculates a risk score for clients (one that is much more grounded in reality than other such programs in the market), but it also creates a professional multi-page output that explains the risk score and messages in a positive manner the use of FIAs and tactical money management. -New online mobile app Roccy s favorite marketing tool is the Home Equity Acceleration Plan (HEAP ). This marketing tool has been taken to the next level through the use of a new Apple/Android app. This app is will help advisors gather data on hundreds, if not thousands, of new potential clients to drip on. -Landing page/squeeze page creator (with double opt-in system) everyone should be using landing pages to give something away to potential clients. Advisors don t use these systems because they are difficult to use and lack content. Roccy will show you how mind numbingly simple his new system is to use and how you can use his content or pre-created forms to give away white papers, books, videos, and much more. -New e-newsletter blasting system many people use Constant Contact to send mass s. Roccy created his own version of this program except he s added not only some of his own practical improvements, but one thing his program has that no other similar program has.his written content for newsletters. -All of the above programs can be fully integrated into the new CRM system. (It s the only CRM system in the industry that is fully integrated with the above programs). Other tools that will be covered at this seminar: Retirement Life, ghost/templated websites, giving away Roccy s books for FREE on the web, CPE for CPAs, Roth conversion software (proprietary), CVL illustrative software (proprietary), five of Roccy s books with your name on the cover, Medicaid planning education, and CALM (a marketing platform for the affluent). Name as it appears on your credit card: Address : City State Zip Phone Credit Card Payment: Visa or MC Card Number Cost $75.00 # Exp. Date: 3 digit ID on the back of the card. To make hotel reservations at Vegas s Luxor hotel, click here or call and use PEACE16P as the discount code ($56 a night per room). Mail or fax this form to 3365 Circle Dr., St. Joseph, MI Fax: Phone: The address above needs to be the billing address for the credit card. If you have questions, please info@pomplanning.net or call