Toland Walton
904-553-6902
tolandwalton@avjfinancial.com
Join My Team
The current retirement & debt crisis in America was created because most people choose the wrong retirement vehicle & don’t understand the utilization of debt to grow wealth.
"We are on the precipice of the greatest retirement crisis in the history of the world. In the decades to come, we will witness millions of elderly Americans, the Baby Boomers and others, slipping into poverty. Too frail to work, too poor to retire will become the “new normal” for many elderly Americans." Forbes
"The ugly truth though is that the 401(k) is a lousy idea, a financial flop, a rotten repository for our retirement reserves." Time Magazine
"But, in fact the 401(k) plans that have become the primary source of retirement income for 60 million Americans were never designed to be retirement plans in the first place." 60 Minutes
"Household debt is on the rise, as we ended 2022 with roughly $320 billion more in total debt than we started with – 59% more than the average annual increase over the past 18 years. As a result, U.S. households collectively owed $17 trillion to start 2023." WalletHub
The 4 major factors causing the retirement crisis:
Current US National Debt
36213557195810.65
1. Taxes
The vast majority of people who save for retirement are using government sponsored plans such as 401(k)s and IRAs. They have been mislead to believe they will pay less in taxes at retirement, so they defer paying them today. However, the Congressional Budget Office study revealed that in the near future, tax rates must rise 2 ½ times higher for the lowest bracket, from 25% to 63% in the middle bracket and over 85% in the highest bracket. Why- because our national debt is spiralling out of control and the federal government will need to pay those obligations with our tax dollars.
2. Risk
We have all heard it said, you have to take risks in order to achieve a great return, that’s why the vast majority of American’s invest their money with mutual funds inside a 401k and IRA’s. Wall Street promotes that idea everywhere we look. The stock market has been booming for over a decade, however; most economists predict a correction is coming and could be worse than the crash of 2008.
Is it wise to have your life savings subject to this much risk?
“A recession worse than 2008 is coming”
CNBC
“Why The Next Financial Crisis Could Be Worse Than 2008”
Forbes
3. Living Longer
Because of medical advancements, people are living longer and have not saved enough money to last their entire life. Unless people drastically reduce their lifestyle at retirement, they will run out of money.
“Modern medicine has effectively doubled the average lifespan in a little over a century.”
Will These Tech Innovations Help Us Live Forever? - Forbes
4. Misunderstanding The Management of Debt
Eliminating all types of debt has been the conventional wisdom promoted to the masses. However; utilization of “good debt” has been one of the key factors the affluent have used for generations to accumulate vast amounts of wealth.
“Rich people use debt to multiply returns on their capital through low interest loans and expanding their control of assets.”
US News & World Report
With all the volatility of the stock market, imminent tax increases and the misinformation & improper utilization of debt, millions of people are living lives of quiet desperation, in fear of the future and in need of what we teach.
Our solution to this massive problem is simple, educate the masses with the truth about money and you can earn a fortune doing so.
The affluent know how money actually works.
They have learned how to grow their money risk free and tax free inside a properly structured life insurance policy. American’s as a whole, think life insurance is about dying, but the well informed use life insurance a completely different way… they grow their wealth risk free and tax free and have passed on that same legacy for generations.
So Why Wealth United and
What’s In It For You?
The executive leadership team here at Wealth United have over three decades of life insurance sales, agency building, business and technology development experience. Because they have owned and operated various marketing organizations across America and are distinctly aware of a top producers desires, they have invested considerable amounts of time and money in the development of a system that 90% of the work for you.
Our Marketing Plan
Marketing is crucial to any business, we’ve made it easy by utilizing state of the art technology that delivers our message to the masses, without the need for you to be there.
Because of the marketing approach we take, our strategy is to convert prospects to clients by delivering high quality, easy to understand educational videos and webinars that educates people in the comfort of their homes, without the tension of a traditional “sales presentation” at at their kitchen table or in your office. Social media has changed the game. With the use of artificial intelligence, our system can pinpoint the exact demographics you desire to attract, deliver to them a compelling story about how an IUL can help them achieve greater wealth, or how a properly structured whole life policy will help them eliminate bad debt. Both will help filter out those individuals who have no interest… helping you close more business and save you time and energy.
Our Tools & Resources
Running a business is difficult without the right Tools and Resources, and keeping up with cutting edge technology is essential for your success. Wealth United has made considerable investments in technology including having full-time developers on staff to make sure our technology platforms are continually being enhanced, keeping you ahead of the technology curve so you can continue delivering solutions to people's financial problems.
Reach
The prospecting / marketing phase of the system (as mentioned above) is called “Reach”- a state of the art platform (funnel) that delivers to your prospect, either a compelling IUL story (My New Retirement) or the use of a whole life policy (Debt Action Plan) to eliminate bad debt.
Tracker
Keeping you organized and efficient with a system we call Tracker. This fully customized CRM was specifically designed for insurance professionals like you. Each prospect who registers for one of the “Reach” webinars is automatically placed into a stage inside your “Tracker”... ensuring that your prospect will not fall through the cracks. Integrated with each component of the system, tracker allows you flexibility and customization to design a workflow that fits your style. Automated emails are sent to you and your prospect with customizable messaging each step of the process. Time stamped and dated, each communication with your prospect will be captured, helping you with compliance and documentation.
"My New Retirement" Analyzer
The IUL Analyzer compares Qualified plans to the IUL strategy. With a simple click of a button, IUL Analyzer uploads to the platform the IUL illustration you have designed. With ease, you will be able to showcase the profound difference the IUL will make in your prospect's life. Highlighting the effects taxes and fees will have on the retirement income by displaying graphs, charts, calculations and real time data using an age slider that is fresh and modern. Interactive reports can be generated for each client based on the illustration you’ve designed, along with third party validation. IUL Analyzer is the “GO TO” tool in the industry and will make closing a snap.
"Debt Action Plan" Analyzer
Debt Action Plan is an additional “Analyzer” platform that gives you all the tools you need to market to your clients the concept of utilizing participating whole life insurance as their own personal bank they can use to pay off debt, pay for future expenses, reduce taxes, reduce interest payments, and increase their retirement savings
Our System
Inside the Coach's Playbook we have laid out the entire process of starting, running and succeeding with an agency you build inside Wealth United. Every detail is designed to help you scale and replicate your business throughout North America, and to help you create a tremendous residual income throughout your career. With more than 30 years of real world sales experience, the leadership at Wealth United has created the Coach's Playbook for purpose of guiding your new agents through the in’s and out’s of marketing, sales, closing and follow up, in order to help you build a tremendous nationwide team.
Our Compensation Model
As an agent driven company we have created a very aggressive compensation model with multiple income opportunities.
Personal Production Income
With five levels of personal production compensation starting at the entry level of 50% up to 90% at the executive level, you have the opportunity to earn a tremendous income sharing index strategies.
Team Production Income
With 125% total agency compensation, promotion opens the door to earning additional income on agency production. As the agents you mentor help more people save, you’ll earn a portion of up to 35% override compensation.
Personal Business Expansion Income
There are no territories to hold you and your business back. You’re free to expand your business anywhere in the United States. From building a local agency to establish other agencies nationwide, our platform will support your efforts and help you support your organization.
Members of the Wealth United Executive Team have over three decades of Leadership and Sales Experience inside the Life Insurance Industry and nearly two decades of Technology Development and Business Expansion experience. Blending those skill sets together, along with the belief that relationships supersede everything else, perfectly positions Wealth United as the innovator for the future of our industry.
Testimonials
What People Say
Wealth United's platform & leadership team are inclusive and welcoming. Their focus on technology equips agents to provide better service while promoting work-life balance. This culture also encourages women and diversity in leadership, making it a great choice for individuals from all backgrounds.
Denise D.
California
Even though I am a very young entrepreneur, Wealth United’s technology has helped me reach clients that would not have otherwise talked with me because of my age. I’m confident that our message of a risk free and tax free lifestyle will become mainstream one day and I’m proud to be part of the movement.
Cody S.
Arizona
I have noticed that after my clients experience our methods, they gain clarity giving them confidence in taking the right action immediately. It feels amazing to have the ability to help more people protect and grow their money in a way that is safe. Thank you Wealth United for providing me a way to give my clients assurance for their financial future!
Pam C.
Colorado
Working with Wealth United has been a game-changer for me. Their user-friendly platform and tools make it easy for my clients to make logical financial decisions.
Dung B.
California
I have been in the insurance business for 25 years, helping educate people on how to eliminate taxes at retirement. Wealth United is the best agency I have ever been associated with and has made this process so much easier… finally, a company that understands my clients needs.
Jon D.
Indiana
My time at Wealth United has been amazing. Their educational tools, like funnel videos and webinars, we don't need to sell; the tools do the heavy lifting. Wealth United's approach to financial planning is holistic, resonating strongly with clients. The biggest thing that sets them apart is their culture and leadership, which creates a winning environment. As a Living Benefits Advocate, I appreciate how Wealth United frames our services as solutions to problems that everyone faces, protection for our clients and offering an extra layer of eliminating debt while building wealth - solving America's problem!
Gina W.
California
As a single father raising a young daughter, I feel compelled to teach parents that there is a better way to send your children to college. By helping my clients pay for their children’s college tuition with a properly structured Indexed Life policy, their children will graduate without the typical debt load most students face. Thanks Wealth United.
Emmanuel G.
Nevada
As a CPA new to the financial services industry, I saw a language gap between professionals hindering our ability to guide clients holistically. After searching for over two years, I found Wealth United's leadership, tech-driven approach, and transparent culture aligned with my values. They leverage technology to educate clients, rather than coaching agents to sell. With data-driven analysis, clients are empowered to make informed financial decisions. I'm grateful to work with a company shifting financial paradigms.
Ngoc T.
California
Prior to joining Wealth United, I had not given much thought to alternative ways of marketing an IUL, but I was "all in" when I saw the amazing software they developed... giving my clients the factual proof they need to make an informed decision.
Rex R.
Colorado
As a tax professional for nearly 30 years, I’ve been helping clients avoid excess taxation on their retirement income. I’m thrilled to be on the Wealth United team whose philosophy fits hand in glove with mine.
Jim Q.
Arizona