H B WP A R T N E R S

“Great things in business are not done by one person;they are done by a team of people.”

- Steve Jobs

one: being unique in what they do,and two: providing something of great value

E V E R Y S U C C E S S F U L B U S I N E S S H A S T W O I M P O R T A N T F A C T O R S

is one of the biggest concerns for fi nancial services professionals. Traditionally, leveraging personal relationships is the way that

most people are forced to start. HBW employs Closed Loop Marketing programs that change the way our associates grow their businesses. These CLM’s, along with presentation tools, training, and software increase our professionalism, preparing and placing our Partners and qualifi ed Advisors in front of almost unlimited numbers of qualifi ed prospects who are ready, willing, and able to work with them.

Client Acquisition

helps clients minimize the fl uctuations of “buy and hope”

investment strategies through the use of objective strategies derived from years of intense market analysis. A professional Investment Advisor Rep has the opportunity to work in a “fee based” market with no sales charges or surrender fees while building long-term, secure, recurring income that can smooth out the up and down cycle of most commission sales businesses.

Professional Money Management

new Partners and Advisors is the lifeblood of any organization. However, we do not believe or condone indiscriminate recruiting as a way to “fi lter”

the masses. Our experience dictates that recruiting in qualifi ed markets by qualifi ed Partners using tools, presentations, and vetting by the home offi ce ensures that each new candidate is mentored and supported by proven, successful leaders - allowing the greatest possible opportunity for success.

Recruiting

» independence WITH THE LEVERAGE OF A BIG COMPANY

» multiple CLIENT ACQUISITION PROGRAMS

» extensive SALES, MARKETING, AND PRODUCT TRAINING

» software FOR SALES AND CLIENT ACQUISITION

» diverse BUSINESSES AND PRODUCT LINES

» freedom TO CHOOSE PRODUCTS AND SERVICES TO DELIGHT CLIENTS

» superior COMPENSATION ON ALL LINES OF BUSINESS» superior COMPENSATION ON ALL LINES OF BUSINESS» superior

» work ALONE OR BUILD THE SALES TEAM YOU’VE ALWAYS WANTED

» step-by-step SYSTEM FOR START-UP AND ONBOARDING NEW ADVISORS

» advanced TRAINING FOR HIGH-END AND UPSCALE CLIENTS» advanced TRAINING FOR HIGH-END AND UPSCALE CLIENTS» advanced

» recognition TRIPS, INCENTIVES, AND MORE!

to HBW for licensed candidates is supported through concierge services in both fi xed and variable lines of business. Our outstanding Partners and

home offi ce staff are available to assist qualifi ed candidates during their transition. Your business will be up and running as quickly and as easily as possible. We work with great eff ort and care to reduce stress and concern for your existing clients and business relationships. Qualifi ed unlicensed candidates presently working in other fi elds may continue in their current career until they are licensed, trained, and have a business up and running. HBW’s client oriented culture demands dedicated, full-time Partners and Advisors.

Transitioning

percentage rates offered by HBW are very aggressive by industry standards. The compensation structure varies by volume of

production, carrier, and company, and is designed to reward top production regardless of line of business. Partners maintain control of compensation on every advisor in their Partner group. Our ultimate goal is to create long-term growth of residual income and a viable, valuable business for all. Specific details regarding compensation are provided to approved candidates prior to the onboarding process.

Compensation

and recurring costs vary depending on things like existing licenses, time of year, state of residence, CLM enrollment, potential offi ce expenses, and many other factors. Generally

the cost of becoming involved in this business is minimal compared to other professional businesses. We believe that our Partners and Advisors should be fi nancially responsible people who maintain an excellent example of the principles we espouse.

Startup

As insurance agents and securities registered reps, HBW’s founders experienced the negative impact of industry consolidation, captured business model, and limited product breadth and diversity making it diffi cult to delight every customer. After years of fi rst hand experiences, recognizing the evolving regulatory climate, and emerging market consolidation inspired the founders to create HBW.In 1991, HBW was founded with the express purpose of helping agents spend more time focused on delighting clients and less time managing a back offi ce and compensation structure enabling agents to build a large distribution networks or focus on personal production.Over the years while supporting customers, agents, and carriers, HBW kept their eye on the future. While market conditions evolved, new product off erings emerged, regulatory compliance tightened, and market consolidation continued to increase, HBW Securities LLC was established to provide broader back offi ce services, carrier relationships, and compliance support. Expanding government regulatory, licensing, and compliance requirements has transformed the new agent profi le.As customers’ shifted to the desire for a single Advisor relationship for Investment Advisory Services and Insurance products, 2009 saw HBW respond by integrating a full service Securities Advisory Service: HBW Advisory Services LLC. In 2012 HBW codifi ed a new package of services and off erings for the Advisory Network. The HBW Partners Program provides all the historical business development off erings to the Advisor, as well as new sales and product training, and game changing new customer acquisition programs.As the national and global market landscape is changing to customer fee-based services, HBW in 2013 added to its portfolio new fee-based emerging off erings to empower the Advisors to once again move ahead of the market.

H B WP A R T N E R S

H I S T O R Y

Securities off ered through: HBW Securities LLC, Member of FINRA/SIPCInvestment advisory services off ered through: HBW Advisory Services LLC

HBW entities are located at 3355 Cochran St., Suite 100, Simi Valley, CA 93063 (800473-3856HBW Insurance & Financial Services, Inc., HBW Securities LLC and HBW Advisory Services LLC are

separate entities which do not privide legal or tax advice.