Recently, if you’ve read my review on World Financial Group, you would have seen a lot of people making comments there. Some good, some not so good. In fact some claimed the company is a scam altogether. In this article I want to prove to you that it’s not a scam but also address why it might seem like a scam to some. The reason I’m doing this is because I’ve personally worked with the company for four and a half years and not one time did feel like it was some sort of scam.
Why People Believe WFG Is A Scam
WFG does not pay you to recruit. First off, World Financial Group is a recruiting company. Everything is based off of this idea. In fact, they recruit nearly 10,000 people a month. That’s a lot to keep track of. Of those 10,000 recruits, 10% of them will only get licensed, and of those that get licensed only 10% of those will make it to the 5 year mark. Why is this? Generally speaking there is a high turnover rate in this business, especially if your only working on commission, which they are. This means you only get paid when you deliver. This means you have to sell to clients and if you can’t do that you won’t make any money. By recruiting people it allows someone to break into other warm markets. I did this all the time and I can tell you this, it is much easier than cold calling or sending mailers. Don’t get me wrong the other two option work but they don’t deliver nearly as good results.
WFG is not a pyramid scheme.
Secondly, a lot of people are under the belief that the large amount of recruiting they do is considered a pyramid scheme. So in order to prove that it isn’t I will define a pyramid scheme. Here is what Wikipedia says:
A pyramid scheme is a non-sustainable business model that involves the exchange of money primarily for enrolling other people into the scheme, often without any product or service being delivered. Pyramid schemes are a form of fraud.
One, WFG does charge a fee to get started, but it is not in any way ever paid to any person in the company, much less the people who recruited them. The fee actually goes to the corporate headquarters to get them set up in the system, do background checks and start up materials. World Financial Group is also a business opportunity, which requires an investment to get involved. Think about it this way if you were to start your own McDonald’s Franchise you would have to pay them just too even carries the McDonald’s name. Two, under the definition of a pyramid scheme it also says that you don’t actually deliver any product or service. World Financial Group has been selling life insurance and securities products for years. They also give consolations and investment advice. Need I say more.
WFG reps have licenses.
Third, in order to get paid by WFG you must have a license. While I worked with the company I had a life and health license and a series 6, and 63 licenses to deal with securities like mutual funds. These licenses were the only way I could get a paycheck, not through recruiting or some other bull crap lie.
WFG works with large financial institutions.
Finally, World Financial Group is in business with financial companies like Transamerica, Western Reserve Life, Prudential, American Funds, and the list could go on and on but I think you get my point. These companies would not be in business with WFG if it were some pyramid scheme trying to rip people off.
One Last Thing To Think About
One last thing I want you to think about before I end this article and that is no one can know everything that is going on inside WFG at one time or another. This also goes with all the other financial institutions. Even with all the government regulators, quarterly interviews, regulatory compliance meetings, and even up line over sight of all trades it’s always possible to miss something.
There is always a bad apple somewhere, and it’s these people who make the company look bad. Think of all the bad things you’ve heard about Wal-Mart or McDonald’s. Great things happen every day within these companies but when just one bad thing happens everyone remembers it like the plague.
WFG is no different, they have helped family after family from falling it financial ruins, but then there’s that one agent who messes up and that’s what everyone remembers, when in reality that has nothing do with the company and is just a onetime indecent.
I know I will catch a lot of flak for saying this but unless you’ve been there and helped families from falling into the financial abyss I don’t think you have any room to talk. I’ve been there and done it and now there are a hand full of families that I’ve helped that will be better off now all because I took the time to give them a call and ask if they needed help. I can’t think of better way to help people.
So before you say World Financial Group is a scam take a step back and think before you speak. You are talking about real American families who are working to support their families and help others.
I am currently being trained at WFG. I have gone into the field with my trainer and have met families who needed help. The quality of training is excellent because I get lots of individual attention. I can truly say people who work for WFG really do care.
I’m glad you’re giving it a shot. WFG can be a very rewarding career if you stick with it. Most people never get as far as you are because they are scared to take risk and you are doing that which is why you will have higher odds of being successful. Good Luck!
No REPUTABLE company would have you pay for a background check.
Ever.
That should be your first warning sign.
WFG does not charge for a background check, they charge the $100 fee because it is a business opportunity not a job. When you sign up with WFG you are starting your own business. That is why they charge a fee.
In the article, you referred to WFG charging for background checks, but in your comment, you said that they don’t charge for background checks. That seems funny to me.
Anyways, WFG falls under the same base category as other MLM (multi-level marketing). I think it’s really hard to argue that point. There is nothing wrong with MLM; It is not a scam. However, the truth is that these companies will give you vague details about what you are going to be doing, oftentimes lie about certain things in the recruiting process, and definitely over stretch the amount of money that you will be making.
I had my own experience with WFG a couple of years ago. There is potential in groups like this, don’t get me wrong. It just involved time and effort that I was unable to give (my recruiter asked me to drop out of college, for instance). She did seem really concerned about the state in which most families finances were in, so I felt as if she genuinely cared.
Moral of the story is it’s really up to you. Just know what you are getting into before you pay that $100 bucks.
I was a senior associate in WFG about two years ago. I loved the way the business structure was perfected except for the fact that they said ” IT IS YOUR BUSINESS”. To keep this short, if this is my business…. and I am in charge… why can I not have my own designed business card? This is a simple marketing tool that they did not allow. My partner and I, he was a marketing director, wanted to make a few flyers, brochures, and pull tabs, we were told that it has to go through compliance. Guess what, they only have a compliance department for legal corporation reasons. There was about 2 people sitting in there chairs, probably getting paid quite of bit of money to stamp a decline to any new marketing idea that came there way. There is no freedom.. and don’t forget people… this is not your business, you are just an AGENT.
I am now eating my own words. After months with WFG, I can honestly say WFG puts on a good act. All they care about is recruiting and you only get 25% of what you earned. Training is lame because your trainer does all the work. I haven’t got paid, scam!!!
state farm insurance ask you to pay for your own background check too, but its something like 65 bucks…the 100 wfg charges includes the use of the online interface and home office support, the background check which they mail to you later (i’ve got mine) only cost like somewhere around 25-35 bucks…in this company you have to think long term, you are building a business and it takes time (if you had own a business (i had…and i made good money too) you be lucky if break even for the first 2-3 years before making money). If you put in the hard work and learn with a open mind…. trust me this is hard work, in a few years it will pay off big. I love the platform this company is built on, I’ve been with this company for a year now and when i first joined i thought it was a scam too cause of all the negative things i’ve read online…but after doing more research and working with the company i realized this a once in a lifetime opportunity for some people…you really owe it to yourself to do it, not just try cause i will tell you now its not enough…the turnover rate for this industry in itself is very high…and because WFG has no quota…people don’t work very hard unless they really want it.
“”I was a senior associate in WFG about two years ago. I loved the way the business structure was perfected except for the fact that they said ” IT IS YOUR BUSINESS”. To keep this short, if this is my business…. and I am in charge… why can I not have my own designed business card? This is a simple marketing tool that they did not allow. My partner and I, he was a marketing director, wanted to make a few flyers, brochures, and pull tabs, we were told that it has to go through compliance. Guess what, they only have a compliance department for legal corporation reasons. There was about 2 people sitting in there chairs, probably getting paid quite of bit of money to stamp a decline to any new marketing idea that came there way. There is no freedom.. and don’t forget people… this is not your business, you are just an AGENT.”"
This could not be farther from the truth.
#1: Once you hit QMD (Qualified Marketing Director) you actually legally own your own business and can pass it on or even sell it to someone else. (So yes, you don’t own it right away)
#2: You have to get your marketing materials passed through compliance because that is the law. You are an INDEPENDENT Agent within a company. So yes, you can’t really make up your own stuff without compliance. To say that you can’t get it done is just ridiculous. I have had 3 pamphlet and a full page add passed through our compliance department to name a few.
I agree with you their David, it’s very hard to get stuff through compliance. We tried the same things and got denied on a lot of stuff. I never made it that far with WFG but I did learn a lot about finance and running a business though.
“Christopher October 22, 2010 at 9:43 am”
“I agree with you their David, it’s very hard to get stuff through compliance. We tried the same things and got denied on a lot of stuff. I never made it that far with WFG but I did learn a lot about finance and running a business though.”
“Christopher Holdheide May 21, 2010 at 10:18 pm
I’m glad you’re giving it a shot. WFG can be a very rewarding career if you stick with it. Most people never get as far as you are because they are scared to take risk and you are doing that which is why you will have higher odds of being successful. Good Luck!”
I do know that WFG is not a scam but its extremely difficult to get anywhere with them. What made you leave Christopher?
I left to take over the family business, however I did not have a lot of time to put into the business and E&O also got the best of me. WFG is an awesome opportunity for the right person, it just wasn’t me.
I’ve read the numerous comments here and honestly I hear these same thing about practically every Financial Services Organization in the market. I’m not a WFG rep, but I’m exploring an array of firms to begin building my book of business. I’m fully licensed and have been in the business for nearly 5 years now and I felt I could add a few pearls of wisdom for everyone.
#1 Fact: $100 start up fee which covers operational expenses and not goes to pay an upline is awesome. I obtained my licenses with a firm that hired W-2 (you get a paycheck) advisors and not 1099 (you’re in business for yourself) and I had to kick out over $3000 before I could even beginning the training program which was merely studying to pass your exams. That covered my licensing exams, training materials, practice exams, background checks, and fingerprinting. You would think that $3,000 would come with an instructor and sadly it didn’t. I’m glad that I was able to focus on studying for 8 straight weeks to pass all my exams.
#2: From the numerous blogs I’ve read one key point resonates strong and that is their training program. Again I had to study on my own and if I failed twice I was out; back to the soup line my friend with no income. BTW, I wasn’t getting paid to study for my exams. With the firm that initially sponsored me (I left after I found out that training was non-existent), my training consisted of 2 hours in the morning listening to people “educate me on the business” [sarcasm] and then 6-10 hours of “smiling and dialing to set appointments”. After all that, you would watch someone close your business and hope you meet the qualifying number of closes within the stated period of time so that business could be transferred to you. Again we’re speaking about a reputable Wall Street firm. I’m the type of person that wants to learn my business first and then implement a successful plan. I ended up leaving 2 weeks into their “training” and joined a highly respectable Wall Street Investment Bank because I was already licensed (remember that key phrase).
The next few points are not WFG related
#3 – If one were lucky to be hired by a Large Financial Advisory Shop, most will only provide you with a 1 fail rate and you’re out ultimatum. Meaning they may pay for everything, they may even give you a paycheck (if you’re lucky), but if you don’t pass your Series 7 the first time out don’t come back to work because you have no job. I kid you not folks do your research.
As far as compliance, you think someone telling you that you couldn’t pass out a flyer to promote your business is bad. At a big shop nothing flies and they make sure you know that every single day. We like to call our firms BIG BROTHER. This is a highly regulated industry and you can’t do the same things that let’s say a Kirby vacuum cleaner rep would do or a lawn care business. That doesn’t make them a scam it let’s me know they follow FINRA to the letter.
I came across this site while doing due diligence to see if I want to obtain more information about WFG and I had to respond to the scam comments. This is a TOUGH business whether you’re building your own book or building a firm’s book. You have to be dedicate to making it work and honestly this industry will beat the hell out of you if you let it. It doesn’t matter if you’re earning a paycheck to build a book for someone else or if you’re building equity in your own book, you have possess an entrepreneurial mentality to make in this business. That doesn’t mean be shrewed, crude, brash, unethical or unmoral that means be willing to put the time and effort in to build your practice.
Ran: All points are well made. People often forget the guidelines that someone in the financial services industry have to go through. I remember while working with WFG just to open a mutual fund account I would have to go through several documents like client account forms, disclosure forms, privacy notices, and other forms just to open an account, and then on top of that I would still have to have my branch manager sign off on the trade. Like you said it’s not like selling vaccums it’s a lot more work than that but I also feel and it can be a very rewarding business.
If WFG is such a reputable company why dont they disclose facts/details about the position when they contact you?
This alone validates earlier comments about this being a scam/multi-level marketing opp.
Am glad I did my research and canceled the interview before being scheduled. Thank you to all who tell the truth about this organization
I am just starting with them right now and I am having doubts. I have not paid my $100 yet and my recruiter keeps asking me for it. Actually, the woman that invited me to one of the meetings works under the woman I am speaking of; the recruiter. I was in her office yesterday and many of the plaques on her walls are awards for top recruiter, so I wonder…I am still not sure what I am going to be doing so far. When I ask, she just says it will all be explained later on during my training, AFTER I give her my $100. She just says they sell life insurance, mutual bonds and help people with debt consolidation.
Last night, I went to a training meeting. All I heard was how this person or that person got started, how they were in a bad way before starting with the group. I wondered where was the training. I get that I will be “helping” people, but what I noticed was that they insist on me handing over the names of EVERYONE I know! I told her I did not know the last names of some people, she said that didn’t matter. She said I was to set up appointments with some of these people starting next week and that she would be going to these peoples’ homes, that I was supposed to call them up to set up these appointments and she gave me some pages that had all the ‘lines’ I was supposed to use on these people; my friends and family. One even said what to say if they asked if it was an MLM plan. She didn’t elaborate on that one. She told me to emphasize that they work with reputable, financial companies. And she told me that if they asked what the meeting was about specifically, that I was to say that I couldn’t tell them because it was too complicated but that the person, this recruiter, would be explaining all of that when we got there.
Now, all of these people I’m supposed to line up, well, I was told I was to tell my friends and family that I was starting my own business with a financial group and that I needed ‘practice’ and that if they would be so kind as to sit through a presentation about the company in order to help me out as I would be watching this person in action. At first I thought it was all okay as I would need that training, but then she mentioned a customer out in Kansas that she spoke to that same day. She said it was some family of some other agent under her. I thought that was strange. Why would SHE have them as a client and not the actual family member that was an agent with the company. I kinda got the impression that I was lining up potential customers for this person. Then it made sense. SHE would be getting them as a client because of the people she recruited.
So I’m going to hand over all the people I know to someone else so they can get them as clients??? This makes no sense to me. All I know is that I do not want to bother any of my friends or family with this. I really like the idea of helping people out but I am really not sure if I want to throw my friends and family into this. She likened it to me opening up a restaurant…who would I invite? I was being polite, but I wish I could’ve said that in that example, those people were coming to eat, not to hear a presentation! They were going to pay once and then leave…not get involved with paying a monthly amount into something like life insurance.
Also, many years ago, I sat through a PrimAmerica metting and was told a WHOLE lot more that what I’m getting now. I asked about it since they are very similar and she told me that this company got started by three PrimAmerica agents that left the company to start their own. Hmmm, I thought, that’s why it’s so similar.
When she asked for the names of ten people that could give character references for me, I called them up each and told them soneone might call asking for me. One of my friends asked what was the new job about. I said it’s not a new job, it’s a company, a financial one. Again, he asked, so what would I be doing for this company? What did it involve? I asked if he knew about PrimAmerica and he said, oh yeah, those people…they approach me ALL the time, trying to invite me to meetings. I felt so bad that I was now going to do that to him. I almost feel I might lose some friends!
So, I am to go to another meeting this Saturday. I am to be there at 9am and it takes me a half hour to drive these. No one’s paying for my gas right now and it’s expensive as I drive an eight cylinder. I know, I know, all I have to do is say no and I won’t have this problem anymore. I am very curious about the company, but not enough to drag my friends and family into it the way I am being asked to do. I will ask about this and if i am told there is no other way for me to join, then I will decline.
I just want to say that I am not a WFG employee I did however attend the meeting and sat with the interviewer. It was not for me so I didn’t sign up I like to work outdoors I’m a union electrician and the person who tried to recruit me was also a electrician. She gave up a $100,000 career for this company so I checked it out and by the way she only needs a semester to complete her electrical engineering degree. The reason they don’t tell you everything up front is because of narrow minded people who already have an opinon, that is a big obstacle to over comein such a short time. I did my research into the company also before I went to the appointment and looked on the BBB website 0 compaints, and after reading the reviews and then going to the meeting I came up with a few conclusions. 1) the people going into this thinking it’s a scam will find was into making it seem like a scam therefor defeating themselves. 2)Ask yourself are the products good? That for me was a good indication that it wasn’t a scam. The products the service are the same products that the other named companys give. So where is the scam in that? 3) Try starting a business it’s a headache and a financial drain I tried and it sucked. I should do WFG but I know I just wouldn’t want to do it. Even though I didn’t join my friend helped my with my finances and structure my spending and help set up my retirement accounts though life insurance and turned me onto some really good books that have been benificial to my. Good luck to those who try it it’s not for everybody, and for those who think it’s a scam good luck with whatever you do.
It’s a total scam. Legitimate insurance companies would not try trick people into coming to their office. Ya, one of their sales people in Colorado called me using a ‘charity’ name and pretended to have work for my local small business. He said it was urgent so I rushed over there. When I arrived he was like oh, we don’t have any budget for that and then of course got to the point-he kept trying to get me to come to lunch to sit through a sales pitch for insurance. Criminal.
It’s bizarre to me to read the zombie pro reviews when the reply is that people make money working there. They are obviously brainwashed and lost the moral compass way back. As if that would make it okay to con and deceive people. I’ll bet you could make money selling crack but we all know that is illegal and unethical. So is lying to local business people. So is using a charity as a front to sell insurance.
There are real insurance companies out there and this is not one of them.
“Seek and thou shall find”
Amazes me how people bad mouth WFG and know nothing about them. It’s all just hearsay. People may attend an overview of the company, but not fully understand the benefits of the company.
If you want to find the bad, anyone can find it. How about a challenge, how about look for the bad in say: Bank of America, Type Pope Benedict XVI in Google and see the searches you find. How about bad reviews on President Obama, complaints with the American Red Cross? Ooh how about Any Satellite or Cable company? Maybe a complaint or two about GNC? You will find complaints every where. I don’t know, how about instead get the facts before giving them bad rep.
WFG works with over 74 top companies, to name a few: ING, Pacific Life, TransAmerica, Prudential, Western Reserve Life, Old Mutual and Allianz. To say that WFG is not a reputable company is to say the United States of America, because of our huge debt is a bad place to live.
Who do you have your 401k with right now? Most everyone has TransAmerica. Uh oh better pull your 401k out. After all you don’t want a company like TranAmerica to be associated with WFG.
All the companies mentioned are Billion dollar companies that have been around years upon years.
Say you join Farmers (a good company) what can you offer as a sales rep? You can offer Farmer’s Insurance. Can you sell them Geico insurance? Can you sell them Century 21 insurance? Uh no. You can only sell FARMERS insurance. Well with WFG you can find the best match for the customer by offering a multitude of companies. You are not limited. You have a access to a huge assortment.
When a WFG Rep sits down with a customer and tell them how they can transfer the customer’s money from a bank account at a saving of 1.2% to say an annuity with a GUARANTEE 8.35% most customers well are totally delighted.
Oh and how much did that customer pay the WFG rep for coming over, help them develop a better financial plan, spending maybe over 2 hours discussing their options? Zero! The WFG’s motto is: “No Family is left behind”
How does the rep earn money? The customer say transferred their money into ING at say a guarantee 8.35%. Say the customer (as an example) transferred $50,000. ING (or whatever company) pays a standard 7%. You as rep BEGIN with a commission rate of 25% (what company do you know starts you with a commission pay of 25%? Who?!!) So $50,000 x7% = $3500. You earn 25% of that and that equals: $875. You earned $875 for helping a customer earn more money on her money.
Let’s say now you go out and get others to do what you are doing (similar to a Broker / Agent relationship) Say you moved up the ladder (which is easy to do by the way) and you are now earning a commission of 45%. The rep helps that customer. He earns 25% and you earn the difference between 45% and 25% which is 20% – You are out in the field helping another customer with their financial planning and the rep you trained just earned you $700. ($3500 x20% = $700)
Oh and a year goes by and you have written say 40 policies (that is low by the way) and now you are earning 10% overrides on each of those policies for LIFE! Nice pension plan, eh? What does your company offer? I bet it offers a 401k plan, right? Guess what happens when you cash in that 401k plan upon retirement? You are TAXED. You might get 1/2 of what you put into it. Wait!, Nobody told you that part? Uh yah… look it up. Of course if you spoke to a WFG rep, he or she would have told you that shocker.
Yep WFG is a horrible company. Hahahaha.
Why can’t you just do your own research online? Sure, you can do that. I guess you can fix your own car too if you have a problem. Perhaps if you are ill, you can just treat yourself, sure it’s possible.
WFG (Licensed Insurance Reps / Financial Advisers) have INSIDE information from the companies that are offering specials and deals to help promote their business. How do you get this information? You must be a licensed agent and you must work with a company that has access to a multitude of companies.
Has anyone ever heard of a company called Jackson National? Well a WFG rep came to my home, sat with me for over 2 hours and I moved my 401k which was earning -6% to a GUARANTEE return of 15%. I had to have a min of $8500 and it’s only guaranteed for 1 year and I have to keep it in for a min of 1 year, after that it does drop in 1/2. However the rep said; no problem in a years time we will re-evaluate your options and see if we can roll it over to another company that might earn more than the 7.5%. So I am VERY HAPPY with their service!!!
I am now looking to joining their outfit. I have been to a couple of meeting, hence why I know so much. I don’t listen to people who THINK they know about WFG I went to their meetings and listened like a investigator. I was even trained in their Fast Start program. I have a friend who got me in. I wanted to know EXACTLY (based on FACTS) what the company is about.
Yes they do charge $100. What does that ONE TIME charge go towards? Background check. They handle all of your paper work, provide you with a multiple of websites you can use to promote your business and handle all of your customer service calls. They also help you train all of the people you bring in. They go out with you on service calls and if you feel uncomfortable at first, they will do ALL the work for you; you simply watch and learn and they will split the commissions.
You are NOT an employee! You are a 1099 – Independent Contractor status. You get to write all your expenses off. Oh by the way they teach you that too.
How does one learn about money? Annuities, Securities, Insurance, Saving money on your taxes, Borrowing against your Life Insurance.. Many will have to go to seminars, take classes, shell out bucks to learn all of the “Inside information” Some do, some go to college to learn. When you become a rep, how much does WFG charge you to learn all this? Oh yes, that is also included in the ONE TIME $100 charge. So the answer to that question is NOTHING!
WFG’s motto: “No Family is Left Behind” I am eager to learn how I can help a family save money for their future.
My motto: Walk in Love!
Picture a boomerang: On one side is: Love. Passion. Kindness. Caring. Understanding. Patience. Underneath that is: Hate. Anger. Whining. Frustration. Annoyance. Complaining. Now on the other part of the boomerang it says: What you put into life you get back. What do you want back?
Peace
Jark
Thanks for the great comment Jark. WFG really is a great company, however it only takes one bad apple to say the whole company is a scam when they haven’t even been to the home office or met any of the top leaders in the company. Personally I’ve met a lot of the top leaders like Ed Mylett, Jeff Levitan, Bill Mitchell, and Tom Mathews to name a few. In fact I’ve been to their homes and I can tell you without a doubt that this a great company.
keep off.And run 1000m/hr.Just cancel my membership.
WFG is totally scam. I joined about 2months and was shocked after I found what is going on inside of the company. First, they don’t train the products, but ONLY the recruiting. They say “Bring more people, bring more people”. When I recruited my friends, my SMD always met them with me. In the meeting, she tried to sell insurance to MY FRIENDS!! To the friends who came to join the company.. She looked people as her prey. All the SMDs are same. Another thing, after people join the company, they seduce members to buy the insurance from their uplines to get EASY promotion. There is 3/3/30 rule. From bottom position, they have to make 3/3/30 to be promoted to Associate. Three people recruits, 3 product sales, within 30 days. And the 3 products should be $1000. That is not esay for normal people. Eveybody fails to make 3/3/30. Then they approach to you and say there is easy way. Buying insurance from upline to get promotion. Actually people buy it. I saw some people who don’t even have license buy it from there upline and promoted to Associate. Stupid!! A man who doesn’t have license bought insurance for himself, for his wife, and for his daughter (total $500 monthly premium) to get promotion. I don’t think he is not smart enough to pass the license test, and his all upline people know about it. But they say to him that “You will make huge money when you get license”. He believes it. The man is not that smart, and in hard situation economically, so he joined WFG to make money. His upline people use it and make money in that way. Not only him. I found out most of the people who is still doing business in WFG were promoted in that way. They pay the premium monthly dreaming they will make huge money some day although they are suffering now.
And even conventions!! They prepare many events in the company,, saying that.. to help members’ business and give motivation to them. That is CONVENTION!! They have many conventions yearly. They push all the members to participate in the convention. NO exception!! If you refuse to go to the convention, they treat you OUTSIDERS!! No choice. Thing is.. the members pay all the expenses, transportation, hotel, food, and even the ticket to get in the convention. I paid $45 for the ticket. In the convention I went, about 4 thousand people participated. That is about $200,000. People pay all the expenses, so the company pay only the rent for the convention room in the hotel for 2 or 3 days. How much is it?? The left money?? The CEOs of each branches share. It is their extra income.
My best friend joined this company last year. I’ve known her for 22 years. We were pretty inseparable. When she finally told me about this job (of which she kept from me) I was confused. I didn’t understand it, so I was questioning her about it. And at first, it seemed like she was just pitching lines to me. I wanted a genuine answer from her. We were so close, sometimes we don’t even have to speak because we already know what we are talking about! But when she started this job, it was like she was someone else. I knew she was different. But as her best friend, I supported her. I was ONLY negative to her job because she was changing and completely neglecting our friendship (not to mention I had gone through a terrible loss of a late boyfriend). Now, she does not speak to me. Tell me how a best friend of 22 years can just walk out on her supposed best friend who was vulnerable and grieving. I don’t know if this WFG is a scam, but it was definitely changed someone I thought I knew and I am NOT A SUPPORTER!
I was another one who has been thru alot of thought into that “am I doing the right thing”, I’m no dummy and been around the block more than once, but WFG, has not proven to be a scam, 1) Is because the government SEC, state of CA., Federal Gov, and many more gov. organizations that are watch dogs for scams, and 2) Just look a BBB, man what else do you need, 3) The main reason it does not work for many is, lazieness, fear of reaching out to people (WHICH IS COMMON IN ALL SALES POSITIONS), also a person who comes on board has to have a desire to make this work, helping families with their futures, and working the program, there are famous people who know us, Tony Dunge, Carl Edwards and Cal Rippen, I think that how you spell his last name, now how come their not saying anything about it beinging a scam, and why all the companies that are world know, such as ING, PRUDENTIAL, TRANSAMERICA just to name a few why haven’t they complained and put WFG name out in the media, are we a scam people through out the centuries have always had lynch mob, finger pointing atitudes, the presidents bad, govenment bad, our kids are bad, people from other countries are bad, even music is bad, on and on, if you look at it, it’s our,your and my opinion, whats good for some may not be good for others, have you ever wanted to watch a movie and someone told “I seen that movie, and I didn’t like it”, but you went to see it you loved it. Even if does not work for me, I know that it’s not a scam/ or Pyramid scheme. I failed somewhere down the line, I lost my sense of ergency, I got complacent and didn’t make it work like I should have, and I lost my dream. NOT WFG