This book is written for both the U.S. and Canada. While many similarities exist between the two countries’ financial and economic systems, there are some differences in regards to certain products and services. However, the key important financial concepts of how money works are the same.

The purpose of this book is to provide a general understanding about financial concepts and information. It’s not intended to give advice on tax, insurance, investment, or any product and service. Since each of us has our own unique situations, you should have all the appropriate information to understand and make the right decision to fit with your needs and your financial goals. We hope that you will succeed in building your financial future.

Neither the author nor any other person associated with this book may be held liable for any damages that may result from the contents of this book.

No book can be used as a substitute for professional, personalized advice. Readers are encouraged to seek financial advice from qualified professionals, including licensed investment advisors, stockbrokers, accountants, insurance agents, attorneys, CPAs, and other qualified individuals.

World System Builder is a financial services marketing organization that is associated with World Financial Group, Inc. World Financial Group, Inc. (WFG) is a financial services marketing company whose affiliates offer a broad array of financial products and services. Insurance products offered through World Financial Group Insurance Agency, Inc. (WFGIA), World Financial group Insurance Agency of Hawaii, Inc. World Financial Group Insurance Agency of Massachusetts, Inc. World Financial Group Insurance Agency of Wyoming, Inc.  World Financial Insurance Agency, Inc. and/or WFG Insurance Agency of Puerto Rico, Inc. Securities and Investment Advisory Services offered through Transamerica Financial Advisors, Inc. (TFA), Transamerica Financial Group Division – Member F/NRA, S/PC, and Registered Investment Advisor. Non-Securities products and services are not offered through TFA. Only WFG associates who are Registered Representatives and/or Investment Advisor Representatives of Transamerica Financial Advisors, Inc. can offer investment products and/or investment advisory services. WFG, WFG/A and TFA are affiliated companies. World System Builder and Transamerica Financial Advisors, Inc. Transamerica Financial Group Division are not affiliated. World System Builder Headquarters: 2099 Gold Street, Suite 100, A/wso, CA 95002. Phone: 408.941.1838.

 The views and opinions expressed thereon are those of the author, and not necessarily those of World Financial Group, Inc. Neither World Financial Group, nor its licensed associates offer tax and legal advice. All mathematical examples presented are hypothetical and are for illustrative purposes only. They are not intended to represent any specific product. Examples do not consider any cost associated with a product.  WFG, WFG/A and TFA are affiliated companies.

 WFG and WFG/A Headquarters: 11315 Johns Creek Parkway, Johns creek, GA 30097-1517. Phone: 770.453.9300

 TFA Headquarters: 570 Carillon Parkway, St. Petersburg, FL 33716. Phone: 800.322.7161

 The opinions expressed are those of the author, and not necessarily those of Transamerica Financial Advisors, Inc. Neither Transamerica Financial Advisors, Inc., nor its representatives Offer tax or legal advice. All mathematical examples presented are hypothetical and are for illustrative purposes only. They are not intended to represent any specific investment. Examples do not consider any costs associated with investing. Investments involve risk and you may incur a profit or a loss. Seeking higher rates of return involves higher risk.

 World Financial Group Canada Inc. is a financial services marketing company whose affiliates offer a broad array of financial products and services.

 World Financial Group Insurance Agency of Canada Inc. (WFGIAC) offers life insurance and segregated funds.

Transamerica Securities Inc. (TSI) offers mutual funds.

 World Financial Group Canada Inc., WFG/AC and TSI are affiliated companies.

 Headquarters: 5000 Yonge Street, Suite 800, Toronto, ON M2N 7E9. Phone.•416.225.2121

The opinions expressed are those of the author, and not necessarily those of World Financial Group Canada Inc., World Financial Group Insurance Agency of Canada Inc., or Transamerica Securities Inc.. Neither Transamerica Securities Inc. or World Financial group Insurance Agency of Canada Inc., nor its representatives offer tax or legal advice. Al/ mathematical examples presented are hypothetical and are for illustrative purposes only. They are not intended to represent any specific investment. Examples do not consider any costs associated with investing. Investments involve risk and you may incur a profit or a loss. Seeking higher rates of return involves higher risk. Individuals should always read an Information Folder for insurance products or Fund Facts (or Prospectus) before purchasing a securities product. Individuals should consult with their financial professional before purchasing any financial product or service.

 Note: In Canada, the province of Quebec has some important key differences in their legal system (affecting areas such as contracts, wills, and estates), their financial products/services, and government programs (such as the Quebec Pension Plan). This book does not address the unique differences

that exist in the province of Quebec. Individuals that reside in the province or are looking for specific financial information that relates to Quebec should consult their respective professional.


**For internal training and educational purposes only. Not for sale. Nor for unauthorized public distribution besides the campaign for financial literacy.**

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