Freedom Financial Solutions, Inc.Providing innovative financial and

business services for over 25 years

www.FreedomFinancialSolutionsInc.com

A California corporation

Financial Freedom Crusade

The agent marketing arm of Freedom Financial SolutionsA platform to provide lead generation programs and products to grow your business:

• Wellness Plans• ACA Penalty Solutions (MEC Plans)• Business Service Alliance (Includes procurement savings,

merchant services, cyber security, and more)• Business Funding• Employee Payroll Loans• Telemedicine• Debt Elimination• SMART Consumer Group

Use www.FinancialFreedomCrusade.com as your marketing toolbox to create more sales and earn more commissions

Insurance Agents

• Be paid to use our door openers and lead systems to set up sales

• Use the placement of a Wellness Plan as your business door opener

• Commission rates will vary by product

• You will earn insurance commissions on employee group sales and individual sales

• Easily increase your annual income $20,000 or more on just a 20 employee group (varies by type of company and participation rate)

• Commissions will also be paid on non-insurance products such as MEC Plans, Procurement Savings, Cyber Security, Business Funding, Employee Payroll Loans, Telemedicine, and the Debt Elimination Program

Wellness Plans

• The Ultimate Business Door Opener

• Be Paid to Save Money for Large and Small Businesses and their Employees at NO NET COST

• How Wellness Plans can reduce payroll taxes for employers by $1000'S, Tens of Thousands, or More depending on the size of the company

• Provide employees with a wellness plan and supplemental health benefits at NO REDUCTION IN TAKE HOME PAY

• Wellness Plans can help fund other programs such as a MEC Plan (Minimum Essential Coverage)

Wellness Plans May Include:

• Health Risk Assessment• Physicals• Certified Health Education Specialists• Dietitians• Health Coaches• Smoking Cessation• Fitness, Nutrition, and Personal Training• DNA Screenings• Full Service Telemedicine(Exact components depend on plan choice)

Cafeteria Plans

• A Wellness plan is placed inside a Section 125 Cafeteria Plan• A 125 plan allows the value of the plan to be treated as

pre-tax and deducted from the participating employee’s reportable income thus lowering the amount of FICA and other taxes withheld

• Since employers must match the employees FICA, this lowers the employer’s FICA contributions by typically $500 - $800annually per employee (varies by plan)

• Participating employees receive a fixed indemnity claim payment for performing certain activities

• The indemnity claim helps to bring their take-home pay back to its original amount plus typically creates a benefit bank of $100 to $300 per month

Before Wellness Plan

Employees earn a gross monthly salary

Federal Withholding Tax

Social Security & Medicare (FICA)Employer pays matching amount to gov’t

State Taxes

Other Deductions

Monthly Take Home Pay

After Wellness Plan

Employees earn a gross monthly salary

Federal Withholding Tax (Now reduced because of lower reportable income)

Social Security & Medicare (Now reduced because of lower reportableincome as well as reducing employer matching FICA tax)

State Taxes & Other Deductions (May be reduced)

Indemnity Claim Payment from Limited Benefit Medical Plan

Same Take Home Pay + Net Savings

Value of Program is deducted and transferred pre-tax into Section 125 Cafeteria Plan thus lowering employee reportable income

Agent Opportunities with Employers

• Lead with the Wellness Plan, the ultimate door opener for business owners

• If a company has over 50 employees, show them how they can use the wellness program to help fund a MEC program if they are vulnerable to ACA penalties

• Schedule a follow-up to discuss other business services

• Don’t overlook potential planning / sales opportunities for the business owner with leveraged retirement planning strategies, buy-sell agreements, and key man insurance

Agent Opportunities with Employees

• Agents participate in the enrollment process and earn insurance commissions

• Introduce our exclusive SMART Consumer Group (SCG) Financial Education Workshop as an added employee benefit

• Response cards = lead cards

• If employees have high a debt load, introduce the debt elimination program

• Show how they can access living benefits and tax free income with an Index Universal Life Insurance policy as well as other insurance products

Agent Opportunities for Individuals

• Use debt elimination program as door opener

• Explore needs for mortgage protection, living benefits, and possible IUL or annuity sales

• SCG Workshops available for community groups and Gov’t agencies

• Free Health Savings Cards available as thank you gifts as well as no co-pay telemedicine upsells

First Steps

• Ask the person who referred you for a link to register on the FFC website and other necessary paperwork

• Complete, sign, and return agreements to your manager

• Read the Wellness Sales Cycle document and other support documents in DropBox, watch the FFSI training webinars, and listen to our informational conference calls (Links will be provided to you when you register and return appropriate paperwork)

• Appoint as needed to our top rated carriers including Foresters, Mass Mutual, American Amicable, Manhattan Life, Washington National, and Transamerica

• Review all of the programs available through FFSI and decide which will help you get in front of more clients!

• Have your manager assist you to access any or all of our programs

Get Started Today

Show employers how to save $1000’s, Tens of Thousands, or More depending upon the size of their company

Share how employees will receive health benefits at no reduction in take home pay

Open the door to other marketing opportunities

Webpage reference: www.freedomfinancialsolutionsinc.com/taxsavings.html