Find Your Way Here

A Custom-Built Opportunity for Women

A Transamerica Company
Whether you’re a restaurant server,
accountant or stay-at-home mom,
you can be successful here.
Find Your Way to WFG
Independent associates of World Financial Group (WFG) help families from all walks of life become financially secure.
This may mean showing parents how to plan for their child’s education; working with a newly married couple to
determine the right type and amount of life insurance they need to protect themselves; sharing financial concepts
with a young woman so she can better secure her future.

However, WFG is not just about helping women and their families build better futures with the products and services
offered. WFG also offers women a custom-made opportunity: business ownership in the financial services industry.

That’s the reason many women find their way to WFG.

Penney Ooi Connie Chen

Pleasanton, CA Sunnyvale, CA
Previous Career: Loan Officer Previous Career: Researcher

“At WFG, I am in a nurturing environment where
people encourage you and help you to succeed. With
hard work and mentoring from both women and
men, I was able to reach the highest field promotion
level in the company. I love WFG because here
everyone has the same opportunity to win.”
“While doing this business, I’ve built up my belief
that in life, there is no such thing as you can or you
cannot — it’s all about if you really want to or if you
don’t really want to! Life is a one-way journey, and
we want to become the leader of our lives to explore,
dream and discover! As women, it’s very easy to lose
ourselves in taking care of our families. WFG provides
an entrepreneurial platform to empower women
to become financially free, mentally strong and
confidently unstoppable!”

1

Judy Hsiao
Alviso, CA
Previous Career: Financial Services
“Before I joined WFG, I worked in the financial
services industry for many years. But I have never
witnessed such numerous and profound opportunities
for women as those that I have seen at WFG. This
company offers a great business system that allows
anyone to build his or her own financial services
business. Women, in particular, can benefit from the
tremendous support that is available, and they have
equal opportunities to become great entrepreneurs.
Here, there is nothing holding you back, and there is
no limit to your success.”
Angelica Haro
San Dimas, CA
Previous Career: Mortgage Loan Officer
“For me, a Latina woman, the WFG business
opportunity has been a blessing. I’m a wife and
a mother of two beautiful boys. The company’s
advancement ladder is based on merit versus the
workplace politics of corporate America. I enjoy the
flexibility and total control of my time and earning
potential. I couldn’t picture living any other way!”
2
The Power of Business
Ownership
WFG makes business ownership in the lucrative
financial services industry possible for many women.
Through our business platform, we have removed
many of the barriers that have kept people from
having their own business. With a low start-up cost
– an administrative fee of just $100 (U.S.) and $125
(Canada) – you can launch a business that helps
families like your own work toward their goals, and
that gives you the income you need to have the life
you deserve.
Become a WFG business owner. This is the place
where you can be your own boss, set your own
schedule, live your life on your terms and own your
future.
Find Your Way to a
Big Opportunity
Today, there are more than 63,000 licensed
independent WFG financial services professionals
throughout North America. However, more
WFG financial professionals are needed to reach the
millions of individuals and families who have not
yet planned or prepared enough for their futures.
Did you know the need for financial services
professionals continues to grow as more baby-
boomer advisors retire each year?1 This industry
needs more people, especially those who can
connect with families while also serving a powerful
demographic: women.
A closer look at this tremendous market
opportunity gives you an idea of the strong need for
WFG businesses across North America, and how you
can make a difference as a woman in this field.
Helping Families
As a WFG associate, you take part in our goal to
help families have a better future, and help create
generations of people who understand the financial
fundamentals that allow them to better manage and
protect their money.
In the United States:
• Three in 10 self-identified middle-class consumers
say they are living paycheck-to-paycheck and fewer
than half believe the American Dream is alive2
• Thirty percent of households lack life insurance; and
20 percent of households with children under age
18 are uninsured3
• Only 6 in 10 workers feel confident in their ability to
retire comfortably4
In Canada:
• More than half (52 percent) of Canadians are just
$200 or less away from financial insolvency at the end
of the month5
• Twenty-eight percent of Canadians surveyed don’t
have life insurance6
• Only 5 percent of Canadians report having saved
more than enough for their retirement, while 41
percent say they have saved less than enough7
Many families, especially those of middle-income,
have uncertain financial futures and may not get
the help they need. The traditional financial services
industry, which seems only to serve the wealthy, has
left them behind. But WFG is dedicated to serving
families and individuals of all incomes.
WFG business owner Racquel Ramlal and her family
are just one of the millions of families WFG associates
have helped. Here’s her story:
“Eleven years ago my parents became clients. We’ve
always been interested in saving money, but we never
had anyone who paid enough attention to us. And
then someone from WFG sat down with us and was
able to help my parents and was eventually able to
help me. They sat down with me and helped me
see a way to be able to build toward my financial
independence. I know it works because it happened
with me. And when I saw that, I said ‘Great. I can do
this for other people, too.’”
As a WFG business owner, you can build a strong
business by providing financial services to families
in need.
3

Kathryn Wang
Burlingame, CA
Previous Career: Computer Sales & Special Ed. Teacher
“WFG is both inspiring and exciting because it
provides people with equal opportunities for personal
growth no matter your background – such as race,
education, old or young – or when you join. And, it
provides equal opportunities for financial services no
matter if you are rich or poor.”
Jaime Villalovos
Agoura Hills, CA
Previous Career: Health Club Manager
“WFG is an extraordinary business opportunity for all
people, male or female, but especially for women.
WFG gives women the ability to become business
owners without having to produce large sums of
capital to get their businesses off the ground. WFG
also gives women – married women, single moms
or single women – the opportunity to build a career
around their lives. And finally, at WFG there is no
ceiling, glass or otherwise, that can stop any woman
from [leading] her very own profitable organization.”
4
Helping Women
Many WFG business owners are working hard
to make a difference by serving the “women’s
market,” which refers to the significant and
growing financial assets held by women as
well as their growing influence and control of
financial decision making. Studies show women
are becoming more engaged in their finances,
yet the industry has not changed to adequately
serve them.8 As a result, the industry falls short in
capturing the $11.2 trillion market of investable
assets controlled by women.9
This means the door is open for you to make a
difference. When you consider the ways women
contribute to their family’s financial well-being
and to the general economy, the potential of your
WFG business is clear:
United States
• There were 163 million females in the United States
in 2015, compared to 158 million males10
• As of 2015, women’s participation in the workforce
reached 56.7 percent11
• Women are expected to control two-thirds of the
nation’s wealth by 203012
• In 2015, 42 percent of mothers were the sole or
primary breadwinners in their households, bringing in
at least half of family earnings13
Canada
• In 2010, women made up 50.4 percent of the
population and, in 2011, 48 percent of the workforce14
• As of July 2015, women controlled nearly 40 percent
of investable assets15
Women want help from somebody who understands
their needs and, according to a recent study, 55 percent
of women between ages 25 and 34 prefer working with
female advisors.16 With your experience, knowledge,
insight and the support of the WFG business platform,
you can build a business that is equipped to truly
engage and serve everyone in your community,
including women and their families.
Power in Your Corner
As a WFG business owner, you can serve hundreds,
if not thousands, of families who are in need of
help, and earn a favorable return on your skills,
knowledge and time commitment.
World Financial Group Inc., World Financial Group
Canada Inc. and their affiliates are Transamerica
companies. Transamerica companies offer a wide
array of life and health insurance and retirement
solutions that can help create better tomorrows by
protecting families.
With WFG dedicated to your business’ success, you
have power in your corner, with a solid business
platform as well as the resources and support you need
to build a business that can change lives. Some of
things you have access to as a WFG associate include:
• The marketing and administrative muscle of WFG’s
corporate offices that support your business’
operations from day one and as it grows.
• Experienced field leaders, who have each built his or
her own financial services business from the ground
up. They have a vested interest in your success, and
provide mentoring and training that can help you
take your business to the next level.
• You also have the opportunity to take your business
in different directions, whether that is: (1) primarily
selling insurance products, (2) offering securities
products in the United States through Transamerica
Financial Advisors, Inc. or selling mutual funds
in Canada through WFG Securities Inc., or
(3) providing a combination of both insurance and
securities products.
Licensed WFG associates have access to some of the
industry’s most well-known companies, giving your
business access to products and services to help your
clients:
• Replace income in the event of the unexpected loss
of a loved one
• Create a source of savings
• Cover educational expenses for children
• Fund their retirement
• Create a legacy for their heirs
Women’s Financial
Challenges
Women make or influence up to 80 to 90 percent
of buying decisions.17 Despite this financial power,
many face financial uncertainty due to the following
challenges and other issues:
The gender wage gap: A lifetime of
earning less than men puts women far
behind in terms of retirement readiness.
They typically are less financially secure
than their male counterparts and bring
fewer resources to retirement. For example,
retirement income for women ages 65 and
older is 56 percent less than the median
income for men in the same age group.18
Excelling in education but trailing in
the workplace: In both the United States
and Canada, women outpace men in the
number of college and graduate degrees
received, but they do not find proportional
success in the workplace.19
Care-taking responsibilities: Many
women take time away from the workplace
to care for children or loved ones.
According to one estimate, for every year
a woman is out of the workforce she has
to work five extra years to recover the lost
income.20
Saving enough for retirement: Since
women leave the workplace to care for
their loved ones, they miss the opportunity
to make consistent contributions to
workplace retirement plans. Plus, because
of their longer life spans, they are more
likely than men to outlive their savings.21
5
 You’re ready for business once you receive field
training from team leaders and become properly
licensed and appointed by product providers. You
can then start sharing the tools and guidance your
clients need to make informed financial choices
and meet their goals. As you build your clientele by
helping more people, you can enjoy the rewards that
come with independent business ownership. Plus,
you will be on a level playing field where you will be
recognized and rewarded for your successes.
Find Your Way To...
An Industry That Values Your
Strengths
The strengths you have: the ability to connect
with people, build relationships, listen to people’s
challenges, and understand their wants and needs
are what matter in the new financial services industry.
WFG associate Fradel Barber explains it best: “Most
people think our business is a ‘numbers’ business;
but it’s really more of a ‘people’ business. When you
are dealing with people – listening to their stories,
discussing their life goals, and helping them find a
6
way to accomplish them – the skills you need to be
successful are compassion toward others, the ability
to build relationships and trust, and the ability to
understand human nature. That, by nature, is where
women excel.”
A New Career
WFG believes in your potential to succeed in
this industry. Whether you’re a restaurant server,
accountant, or stay-at-home mom, our business
platform gives you the resources, tools, information
and support that can help you transition to a financial
services career.
A Level Playing Field
No matter how you decide to build your business or
which segments you wish to serve, the obstacles to
advancement of the corporate world are not present
at WFG. Here, your success depends on how hard
you work, and the steps you can take to advance are
clearly defined. There is no glass ceiling to impede
your growth. Your chances of success are the same as
anyone else’s.
Sunny Huang
Chicago, IL
Previous Career: IT Engineer
“WFG reveals and builds the inner strength of
women. It helps us see who we really are. And
through challenges, we grow to be better business
owners and have a better family life. I am grateful for
all the mentoring and all the great women leaders at
WFG, who will continue to inspire me for the rest of
my life.”
Jan Zhuang
Piscataway, NJ
Previous Career: Ph. D. Student
“As a trained Ph.D. in organic chemistry, I never
thought about any business opportunity except
research and teaching. WFG has provided me with a
platform to transform myself from a research scholar
to a business woman. The company offers me the
opportunity to balance my professional career and
family life as a female entrepreneur with a flexible
schedule and big potential. With WFG, my husband
and I can work together to build a business and
raise two lovely, proud children. WFG is a wonderful
company for those women who want to build
financial security and influence many people and
families.”
Teresa Tang-Wong
Toronto, ON
Previous Career: Financial Services
“Before I joined WFG, I was in the financial services
industry for more than 16 years. In those days,
I was really busy and pretty successful, but I never
had much time to spend with my family. Now as a
WFG business owner, I can manage my time between
family and work more successfully.”
Yvonne Mei
Alviso, CA
Previous Career: Flight Attendant
“WFG gives me the freedom to balance my personal
and professional life. As a working parent, it used
to be hard to find time for my family. This business
allows me to go after my career aspirations and build
my team while still being there to support my family
emotionally and financially. I’m also able to be a
positive role model for my children and show them
how important it is to work hard and go after their
dreams.”
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 The WFG
Business Platform:
A Foundation for
Your Success
WFG wants all of its associates to succeed. That’s
why WFG offers a dynamic business platform to
help build your financial services business. The
WFG platform provides support and services to
make your business strong, so you don’t just
survive in this business, you prosper.
• The WFG System Manual22 — A step-by-step
guide to help you build and continually grow
your business
• Support from WFG employees at the home
offices in Johns Creek, Ga. and Toronto,
Ontario — so you don’t have to worry
about the administrative details of licensing,
commissions, compliance or other “back-office”
functions
• Professional marketing materials to use with
clients and to bring new associates on board
• Access to training from third-party companies
that can help you attain licenses
• MyWFG.com, which offers you 24-hour access
to important company information, reports
specific to your organization, commission
statements, product provider information and
industry updates
• The annual WFG Convention to learn from
seasoned field leaders who have built thriving
businesses and obtain updates from top
WFG executives
• Recognition through the company’s rewards
program to acknowledge your dedication to
helping families and the hard work you put in
to building a business
• A mentoring business model that emphasizes
committed guidance from top field leaders
who have been where you are now
8
Find Your Way To...
Work/Life Balance
Many WFG business associates start their businesses
to have more control over their time. At WFG, you
have the freedom to build your business as you
choose — whether that’s full-time or part-time.
You can also “test-drive” the opportunity as a part-
time, twin career while keeping the security of your
existing job.
A Mentoring Business Model
and a Team Environment
The culture at WFG is such that everyone is here
to help you succeed. WFG associates grow their
businesses through the mentoring and training
support they receive from their leaders and that they
give to their team. WFG field leaders support your
development and growth in the company. They have
a vested interest in your success and work with you
to show you the ropes. You also have the support of
you teammates, who help you build and expand your
business.
Personal Growth and
Leadership
As you build your business, you have the opportunity
to lead a team of WFG associates. As you train and
mentor them in the business and help them succeed,
you develop strong leadership skills.
Take the Steps to
Business Ownership
As we help families, we help women like you. And one
of the most powerful ways we do so is through WFG
business ownership. That’s why many women find their
way to WFG — and you can, too. Talk to your WFG
associate about starting your business today.
 The Enterprising Women of WFG

Fradel Barber Melinda Blue-Taylor Felimar Bungay Karen Chin

New York, NY Chino, CA San Jose, CA Edmonton, AB

Previous Career: Previous Career: Previous Career: Previous Career:

Fashion Design Student Nurse Practitioner Registered Nurse Student

Ting Chiu Helena Cho Christine Dai Nita Dalal

Norcross, GA Flushing, NY Houston, TX Norcross, GA

Previous Career: Previous Career: Previous Career: Medical Previous Career:

Teacher Banking Research, Post Doctoral Bank Teller

Nelia Destacamento Yuemei Ding Victoria Escobedo Beverly Fecundo

Hamilton, ON Rolling Meadows, IL New Westminster, BC Houston, TX

Previous Career: Previous Career: Previous Career: Previous Career:

Accountant Project Manager Accountant Registered Nurse

9
 The Enterprising Women of WFG

Louise Haag Michelle Hong Hanna Horenstein Jennifer Hsu

Corona, CA Rancho Cucamonga, CA Westlake Village, CA Flushing, NY

Previous Career: Previous Career: Previous Career: Previous Career:

Manager, Dental Practice Realtor, Loan Officer Real Estate/Mortgage Broker Travel Consultant

Ina Ibrado-Caces Miriam Ireton Marla Isidro Congqun Jian

Pasadena, CA Covina, CA Calabasas, CA Waltham, MA

Previous Career: Previous Career: Previous Career: Previous Career:

Bookkeeper Model & Television Host Accountant Information Technology

Dwi Julyati Tiffany Ke Bernadette Kim Virginia Krbekyan

Bellevue, WA West Covina, CA Edinburg, TX Rancho Cucamonga, CA

Previous Career: Previous Career: Previous Career: Previous Career:

Banking Accounting Registered Nurse Paralegal/Loan Officer

10
 The Enterprising Women of WFG

Dana Lagattuta Kimmy Le Ling Li Jenny Li

Agoura Hills, CA Houston, TX Chicago, IL Plano, TX

Previous Career: Previous Career: Previous Career: Previous Career:

Manager, Insurance Co. Restaurant Manager Financial Analyst Civil Engineer

Sandy Liu Tita Lizan Hanh Tuyet Luu Agnes Miranda

Burlingame, CA Covina, CA Cerritos, CA Concord, ON

Previous Career: Previous Career: Previous Career: Previous Career:

Business Owner Registered Nurse Jewelry Business Owner Financial Services

Alicia Nguyen Lisa Oktavia Vivian Olero Lynne C. Romero

Alviso, CA Burlingame, CA Alviso, CA Richmond Hill, ON

Previous Career: Previous Career: Previous Career: Previous Career:

Student Business Owner Software Engineer Veterinarian

11
 The Enterprising Women of WFG

Mia Rosal Helen Ruan Nan Satt Sofia Shah

Oakbrook Terrace, IL Burlingame, CA Flushing, NY Woodland Hills, CA

Previous Career: Previous Career: Previous Career: Previous Career:

Early Childhood Educator Student Registered Nurse Telecommunications Sales

Sophia Su Haihong Sun Jennifer Tang Michelle Tian

Flushing, NY Flushing, NY Flushing, NY Flushing, NY

Previous Career: Previous Career: Previous Career: Previous Career:

Engineer Student Public Accountant Registered Nurse

Colleen Trautman Crystal Tse Elizabeth Tseng Hanna Wu

Edmonton, AB Burlingame, CA Brea, CA Burlingame, CA

Previous Career: Previous Career: Previous Career: Previous Career:

Teacher’s Assistant Sales Manager Business Owner Pre-Med Student

12
 The Enterprising Women of WFG

Cathy Xia Yinan Xiao Liz Zetazate

Braintree, MA Piscataway, NJ Toronto, ON

Previous Career: Previous Career: Previous Career:

Surgical Nurse Software Engineer Financial Underwriter

”The glass ceiling that once limited a woman’s

career path has paved a new road towards
business ownership...” – Erica Nicole

13
WorldFinancialGroup.com

1 “The Time Is Now for Young Financial Advisers,” InvestmentNews, May 29, 2016.
2 “Middle Class Research Reveals Concerns About the Future,” March 22, 2017, World Financial Group and/or WFG consist of
Insurancenewsnet.com. the following:
3 “LIMRA: Nearly 5 Million More U.S. Households Have Life Insurance Coverage,”
PR Newswire, Sep. 27, 2016.
U.S.:
4 2017 Retirement Confidence Survey, Employee Benefit Research Institute and Greenwald &
Associates, March 21, 2017, https://www.ebri.org/pdf/surveys/rcs/2017/RCS_17.FS-1_Conf. World Financial Group, Inc. is a financial
Final.pdf. services marketing company whose affiliates
offer a broad array of financial products and
5“More Than Half of Canadians are $200 From Insolvency: Survey,” HuffPost, May 9, services.
2017, http://www.huffingtonpost.ca/2017/05/09/consumer-debt-canada-mnp-sentiment-
survey_n_16510320.html. Insurance products offered through World
Financial Group Insurance Agency, Inc., World
6This data is from a study by Harris Poll, conducted online via its Global Omnibus product, on Financial Group Insurance Agency of Hawaii,
behalf of World Financial Group within Canada from March 13-18, 2015 among a total of Inc., World Financial Group Insurance Agency of
1,115 adults aged 18 and older. Figures for age, sex, education, region, income and ethnicity Massachusetts, Inc., World Financial Insurance
were weighted where necessary to bring them into line with their actual proportions in Agency, Inc. and/or WFG Insurance Agency of
the population. This data were weighted to reflect the composition of the general adult Puerto Rico, Inc. - collectively WFGIA.
population.
Securities and Investment Advisory Services
7 “Canadians Weigh in on Retirement Readiness and the News Isn’t Good,” Globe and Mail, offered through Transamerica Financial Advisors,
July 12, 2016. Inc. (TFA), Member FINRA, SIPC, and Registered
8 “Men Dominate, But Women Gain In Home Finances, Survey Says,” Financial Advisor, Investment Advisor. Non-securities products and
Feb. 24, 2016; Women and Wealth: The Case for a Customized Approach, EY, 2017. “More services are not offered through TFA.
Women Controlling More Wealth,” Global Advisor, July 15, 2015; World Financial Group, Inc., WFGIA and TFA are
9 “The $11 Trillion Market Salllie Krawcheck Is Betting On,” CNBC, May 11, 2016. affiliated companies.
10 “Women’s History Month: March 2017, Facts for Features,” U.S. Census Bureau, March 21, World Financial Group, Inc. and WFGIA
2017. Headquarters: 11315 Johns Creek Parkway,
11 “Women in the Labor Force: A Data Book,” Bureau of Labor Statistics, April 2017. Johns Creek, GA 30097-1517. Phone:
770.453.9300
12 “Wanted: Women Financial Advisors,” Financial Advisor, March 1, 2016.
TFA Headquarters: 570 Carillon Parkway, St.
13 “Breadwinning Mothers Are Increasingly the U.S. Norm,” Center for American Progress, Petersburg, FL 33716. Phone: 770.248.3271
Dec. 19, 2016.
14 “Women in Canada at a Glance: Statistical Highlights,” Status of Women in Canada,
accessed June 19 2017, http://www.swc-cfc.gc.ca/rc-cr/stat/wic-fac-2012/wic-fac-2012-eng. Canada:
pdf; Statistics Canada, Portrait of Canada’s Labour Force, Minister of Industry, accessed World Financial Group Canada Inc. is a financial
June 19, 2017, http://www12.statcan.gc.ca/nhs-enm/2011/as-sa/99-012-x/99-012- services marketing company whose affiliates
x2011002-eng.cfm. offer a broad array of financial products and
15 “More Women Controlling More Wealth,” Globe Advisor, July 15, 2015. services.
16 “Wanted: Women Financial Advisors,” Financial Advisor, March 1, 2016. World Financial Group Insurance Agency of
Canada Inc. (WFGIAC) offers life insurance and
17 “Economic Impact: Women, Monetary Worth, and the Role of HR in Enabling Financial segregated funds.
Equity,” HuffPost, Feb. 15, 2017.
WFG Securities Inc. (WFGS) offers mutual funds.
18 “Why The Gender Wage Gap Might Ruin The Future U.S. Economy,” Fast Company, April
11, 2016. World Financial Group Canada Inc., WFGIAC
and WFGS are affiliated companies.
19 Workplace Justice—The Wage Gap: The Who, How, Why and What to Do, Fact Sheet,
National Women’s Law Center, Sep. 2016. “Canada’s Gender Pay Gap: Why Canadian Headquarters: 5000 Yonge Street, Suite 800,
Women Still Earn Less Than Men,” HuffPost Canada, March 8, 2016. Toronto, ON M2N 7E9. Phone: 416.225.2121
20 “Women Take Financial Control,” Western Producer, April 17, 2015.
21 “U.S. Life Expectancy Is Low and Is Now Projected to Be on Par with Mexico by 2030,” In the United States, World Financial Group
CNBC, Feb. 22, 2017; “Life Expectancy at Birth, By Sex, By Province,” Table, Stat Canada, and the WFG logo are registered trademarks of
accessed June 19, 2017: http://www.statcan.gc.ca/tables-tableaux/sum-som/l01/cst01/ World Financial Group, Inc.
health26-eng.htm. In Canada, World Financial Group is a registered
22 The World Financial Group System Manual is the core set of principles of the turnkey trademark of World Financial Group, Inc.
marketing system of World Financial Group that helps guide an agent through the process ©2017 World Financial Group, Inc.
of building a sales organization. WFG10047/6.17