Agent Testimonials 2007

The following individuals have joined the HBW team, have applied the HBW systems and training, and have sold the products which HBW provides in order to serve their customers and build their businesses.

Read what they have to say about the Helping Build Wealth program.

This makes the 10th time in a row that I have been lucky at FasTrack!

At this most recent FasTrack I attended a class that talked about Reverse Mortgages. I had many misconceptions about this product and knew very little. Because of the information I received I have been able to start discussions with three potential clients on doing a Reverse Mortgage. Two of these look promising and one probably won’t happen.

How much will I make on this? I don’t know. I do know that it is right for the clients in question and it will change their life. I also know that I had no idea how to help them two weeks ago.

This is the tenth time I have gone to FasTrack and learned something that I was immediately able to apply and earn a commission. These meetings really allow me to get tools that will enable me to help my clients. Raymond says: “Luck is preparation meeting opportunity.” FasTrack is a major part of the preparation.

This reminds me that you don’t know what you don’t know. What you don’t know will hurt you or at least keep you broke.

Thanks for providing the opportunity for on going learning at FasTrack.

Ron Dortch, NDA

Agent Testimonials 2006

Three years into working with HBW, the following has occurred: I went part-time at my day job, my wife no longer has to work, my credit cards and home equity line of credit are paid off. Finally, after 10 years, we are finishing our house (additional bedroom and bath), and I have made over FIVE times in three years what I made at my former company during my last five and a half years. Some of the other things that have occurred: I was getting promoted to AVP in 20 months, recruiting agents that live in six states, investing nearly 3 million dollars of client funds, and meeting some of the finest people ever at HBW. I have done all this on a part-time basis and am still currently part-time.

We were one of the winners to the trip to the Super Bowl Party in Santa Barbara, CA and nearly knocked Barney out of the top spot in the Golf tournament. You will not find a more supportive group of staff and friends in the financial services industry. Three years have gone by so fast. All the pieces have come together at HBW in that time: Life Insurance, Securities, Mortgage, Long Term Care, Annuities, and Disability products now all exist under one marketing umbrella (not sure if I should use that word). I have been truly blessed by joining this organization and I hope if you are considering it, you give us careful consideration. We are here to help you succeed!

Jonathan Hoag, Smyrna, TN

Success Stories from Jeff & Jim Crawford

STORY #1

"A client of mine called with a referral to a friend of hers who has a life insurance policy with [a competitor]. She wanted me to see if I could save her friend any money. They had $300,000 on each and were spending $95 per month. I grabbed my American General Rate Card and, sure enough, we could give them the same coverage for $45 per month! Or, double their coverage for a little less than they are spending now. They were so happy they are changing over and giving me more referrals!"

STORY #2

"I was on an appointment last week helping a client with their retirement assets and came to find out that they had just purchased a life policy with [a competitor] 30 days ago. They were quoted $102 per month for $400,000 on each. I ran their quote with American General and, you guessed it, SHAZAM! $400,000 on each came to $46 PER month! We gave them more coverage and put him on a 30 year term with AIG!"

Man, I love this business again!

Jeff

Dear Barney:

I hope it is ok for me to address you by your first name, as we met only briefly at the March FasTrack Conference earlier this year.

Anyway, I am writing this letter to you to openly thank you and the people who created HBW! One year ago, I was a very frustrated captive representative with another company. I was frustrated because so much of my career rested on recruiting neophytes into the financial services industry. Not that recruiting is a bad thing. It was just the only thing! What I really wanted to do was assist my clients financially. But the pay for doing that in my former company was miserable that it hardly seemed worth the effort.

I, like thousands before me, had become completely disillusioned with the former company. The hypocrisy was practically palpable, and I felt that I was more of a huckster than a financial professional.

Fortunately, I was rescued by HBW just as I was about to go under! Today I have more enthusiasm that ever before! My hands have been untied and I now have the ability to offer my clients an outstanding array of financial products! Whatever they want, whatever they need, I can provide.

As a consequence, my personal business has absolutely blossomed. I have more clients than ever and now I am primarily working by referral from happy clients. And I feel like a real financial professional; how wonderful can that be! And so, in a sense, you are the reason I am here today, Barney. I have a backlog of business to write: A waiting line of folks unhappy about products and services. And now I can fix these problems and make people genuinely happy.

When I was in the old company, I had lots of time to go to meetings, but those meetings were simply cheerleading meetings.

When I attend HBW meetings, I know that I am going to get great training in state-of-the-art products. And I know that my efforts to listen and practice what I learn will be very well rewarded. So, thank you Barney for this fabulous opportunity! It is not a trick, not a false opportunity, but a true chance to create the future I want.

Next time we meet Barney, I hope we will shake hands again, and that you will be handing me an enormous gold ring as a symbol of what I have achieved through HBW.

So hats off to you, and to Jeff Crawford, for helping me to have an opportunity to make my dreams come true. I have a lot of real work to do now, and a lot of clients to see.

But if you need some help Barney. Just give me a "Ring!"

Brad Glanville PHD, Chico, CA

Hi!

Last week was an unbelievable sales week here in Virginia.

My personal production went like this:

When this is all complete, the total commission will approximate $56,706.20! All done in one week!

Strategically, I learned how to do this work at FasTrack. My former company didn't do VUL or have competitive Variable Annuity Contracts or resources on how to use them to help clients. By attending FasTrack breakouts I was able to get the information I needed to learn how to help my clients with these advanced products.

Tactically, if people want to learn how I did this they should attend my FasTrack breakout on Client Acquisition in August.

I want to thank you, Dan, and Raymond again for bringing this organization into existence. I also want to thank you and your outstanding staff for their untiring support and their Herculean efforts to create the FasTrack environment that can lead to financial success, for those that take advantage of it.

Ron Dortch, NDA

Marie and I have been working in the financial services industry for close to 10 years, accumulating experiences in the areas of insurance, investments and mortgages. We have joined HBW in February 2003 after resigning our positions with a former financial services company where we were earning over 100K yearly. We have opted out not because of failure within that limited system but rather to seek a system where our talent, intelligence and knowledge can be better put to use for the benefit of our community and our family. Taking advantage of the HBW opportunity, we opened our office and training center in Fort Lauderdale. Under our leadership, 2 other independently owned and operated offices were opened in Naples (west coast of Florida -March 2004) and in Homestead (southwest Miami-July 2004) by Agents/Associates. Other offices have since joined our organization, the HBW SOLUTIONS group. Our Florida base shop was rated #2 among HBW top life insurance producers nationally for the year 2004.

Jacques & Marie Augustin, Coral Springs, FL

Agent Testimonials 2004

I have been in financial services for 19 years (3 years part-time). I had a successful practice before I joined the HBW organization in December of 2000. I feel that being part of HBW has enhanced my opportunity to build a great company within a company. I was not focusing on recruiting or building prior to becoming associated with HBW. In the past 3 years our agency has grown from just 10 representatives to, at last count, 261 associates and growing. We have gone from $9,375 in paid life business in April of 2003 to $39,458 paid life business in April of 2004. What a tremendous increase for our agency and we are really just getting started. The training that HBW has given me has put me in a better position to win. In the month of May, 2004 I had my biggest month ever in securities, investing more than $720,000 for my clients personally, thanks to the Values-Based Selling™ material that I purchased from Bill Bachrach and Associates, Inc. I am looking forward to my best year ever in this industry. What is even more exciting is that we are developing key leaders in our practice that will one day also be able to invest thousands of dollars for their clients. My total earnings for May is approximately $40,000 for insurance and securities. I have been paid over $19,000 in May so far. Thanks HBW for all the support and leadership that you have displayed. Joining the HBW team was one of the best decisions I have ever made.

Tom Paley, Albuquerque, NM

I joined HBW in August of 2003 as a 60% Representative. I had left behind about 750-800K in AUM at my previous company (and two non-producing team members). By April of 2004 I had 30 team members (about 25 life licensed and 5 securities registered). Currently I am an 80% Agency Manger on my way to becoming an AVP and studying for my Series 26 - my personal AUM is about $271,000 so far. Wow! Thank God I took the chance. It seems to get better every month - of course this requires effort.

Jonathon Hoag, Smyrna, TN

Barney, I just want to thank you for your leadership in helping us succeed. I especially like your repeated emphasis on putting the client first and looking at the "values" of the client. (The mother of learning is repetition!) I had a mentor in the early years that talked about what my values were in relation to being in business. It has continued to motivate me to this day. I am currently reading one of Bill Bachrach's books and it helpful and enjoyable.

I, like many among us, have attended a lot of seminars over the years to help us "achieve" and one more is not that motivating to me - but your willingness to invest $$$ in our lives has caused me to seriously consider attending the HBW-VBSR Academy. I appreciate HBW's team emphasis. (Together everyone achieves more).

Thank you again for your leadership (and others on the HBW team). I believe building an organization the HBW way is one the greatest ways to achieve financial independence (which to me is having enough TIME and MONEY to do the things I want to do).

Joe Schrader, Gastonia, NC

I just want to email you a quick note to let you know how much I appreciate what you are doing, not only for me, but the entire HBW team. You are a true leader and it is very easy to tell that by the way you handle yourself and your team. I am very proud to be a part of HBW - something I really couldn't say about my "former" company. Even though I have not produced a very large cash flow the first 4 months I've been with HBW, it beats the total cash flow I had for the 3 years I was involved with my former company.

Your vision of what our company is and will be provides great inspiration and motivation for myself and my team. What you have done with Bachrach's Values-Based Selling™ system is a real gift for us. Jady, Bruce and I meet once a week to help each other implement the new system. Thank you for allowing Bruce and I to be part of this Bootcamp. We were so impressed with the VBS system we made the commitment to go to the HBW-Bachrach Bootcamp two weeks after we returned from the March 2004 FasTrack. It will be so much better to work with our teammates after the Bootcamp in June. We are really looking forward to it.

Again, please accept my thanks (you are such a humble person I know you think this is not a very big deal) for all the leadership you have provided us and the direction you are taking our company. By following your leadership and guidance, I am confident that we will be successful.

Ron Salber, Barnesville, MN

Agent Testimonials 2002-2003

Tom Paley
Helping Build Wealth has given me the opportunity to expand my horizons in the financial services arena. Whether it is offering excellent term products and mutual funds or providing an estate plan for a wealthy client with millions in assets to protect, HBW has the answer. Now, I am truly able to do the best job for my clients.
HBW has also offered me its unwavering support in building a National organization. We currently have associates all across the U.S. and we are looking forward to our best year ever in recruiting, sales and income. As a result of the wonderful team we have put together we were also able to qualify for the company's $100,000 club for top earners in less than one year.

I would encourage you to take a serious look at this great company because, I believe we are poised to win a National Championship and would love to have you be a part of that goal. May God richly bless you.

Teri and Jon Mesa
True opportunity exists only where freedom and independence can be exercised. After a decade of being with another company it became clear that lack of freedom and opportunity cannot exist together and offer a level playing field to all individuals for growth and long term success. It would be foolish for me to continue to believe that I could become financially independent in a culture that didn't allow me to offer my clients the best products to fit their needs or even refer them to some one who could.

When an HBW card came across my desk I was compelled to research it unlike the thousands of solicitations that were previously filed in the can. I had been frustrated with the lack of competitiveness and limited product portfolio the company I represented had to offer. I had been looking for something better for my clients for some time and considered going with a sister company under the same umbrella of companies. I was even willing to swap one contract for another just to improve the product selection for my clients.

After examining the facts, the decision to go with HBW was already made for me. Not only did I have an unlimited product portfolio to offer my clients, but I would have the opportunity to realize the dreams and goals I had set for myself and my family a decade ago. I would have freedom. The freedom to offer my clients the best products on the market, the freedom to give business associates the maximum opportunity for success and the freedom to provide for my family a life style that every red blooded American dreams of. That's the HBW opportunity, why not make it yours!

Patrick Lopez
The reason I affiliated with Helping Build Wealth, as I began to better understand the financial services industry, is it became apparent in order to have the greatest value for my clients, I needed to be with a company that gave me what I needed the most: Freedom! After many years in this industry and the more knowledgeable I became, the more I began to realize that: "there is not one product right for everyone but there also isn't a product not right for someone."

With my previous company, there were many potential clients I was unable to help because of product limitations. They lacked competitively priced products, the ability to have options for individuals with impaired risks, options for individuals in need of estate planning and the ability to be a true business owner of what I was building from day one. Helping Build Wealth has solved all this with vast array of carriers, products and training.

If you are looking for a home in the financial services industry, then you need to look no further. At Helping Build Wealth we offer the freedom to build your business on part or full-time basis, multiple markets for your various clients' needs, and a training program that will help you accomplish your goals.

Jorge & Theresa Meza
One of the things I have learned in owning several other businesses is being in the right place at the right time is one of the critical components to succeeding. One of the other components is having the courage to make a decision and "go for it".

I was affiliated with a financial services firm prior to making the change to HBW, and I can tell you CHANGE IS GOOD. However, if I was to make a change I needed to do my due diligence. The result of my research was that HBW had all the features and benefits that I have been looking for all along when I joined the industry.

Having been in the financial services industry for a relatively short period of time, I had nothing to gauge my success and or product line to, other than what had been presented to me. What I found was that there are so many options I was simply not exposed to. HBW has comprehensive professional training, not hype, to give you the education needed to best assist your client. To give the best benefits to the consumer, don't you feel you need the best products? I did.

What also attracted me to the firm was its leadership; Leadership is key in any industry, ours is no different. Integrity starts from the top. I wanted to be affiliated with a company with a vision, a company that was poised to dominate the industry.

HBW is for the person that truly wants to first, do what is best for the client, has integrity, has a desire to be an entrepreneur, to be somebody, to make a difference in life. The HBW system is in place to best benefit you, your family and most importantly, the consumer.