World Financial Group

Very poor customer service. I called them to discuss an over contribution. Cavalierly gave me the wrong info. When I called again, they condescendingly talked over me instead of listening to my issue. Take your investment away if you predict you will need the simplest of assistance.

I was recruited through a referral where they call you and tell you that they are a brokerage called WFG (TransAmerica) by a friend a few months ago because I knew a lot of people and I strive to become an entrepreneur in many other ways.
The break down:
There are weekly workshops that are very informative, but every presenter always has to flaunt their wealth, or what people thought was wealth.
After the meetings, a senior advisor would speak with you (if you have not joined yet) and try to sell you that you too can make just as much money if you join. They would point out the people who hit the $ 100,000 income, $ 300,000 income and even $ 800,000 income to be more convincing.
Once you join, everything seems legit. I got my license and was ready to work. But what I thought was work, is really more of convincing people to come in the office so that they can join.
Every person that I convince to join (recruit) must purchase an insurance plan with them. Depending on the insurance plan they choose, you make commission.
So I recruited 8 people and was making a good $ 8-​$ 10 off each person I recruited under me every month. About $ 75 a month. Keeping in mind that the Life Insurance I signed up with them was $ 120 a month. So I’m not making money yet. Losing money unless I recruit at least 15 people under me or my 8 recruits were able to recruit 8 people.
Every meeting I was pushed to try and bring 3 or more people and I pushed my recruiters also to bring people to the presentation to increase our chances of recruiting and making more commission. Do I want to help people with life insurance and investment? Yes! But I felt more of a sales person recruiting people so that I can reach that $ 100,000 mark.
Also, when I was making commission, remember that the people who recruited you also gets commission and that is how you make more and more money. As long as people under you keep recruiting, you will make it in this company.
Overall in my experience, I made more money from USANA and ARIIX health company selling vitamins than Life Insurance.

It’s been 2 years and 6 months since My husband and I came on board with WFG, and I am now in the process of getting my securities license! I left my full time job in July 2015 as a department head of a healthcare facility. I am so happy, blessed and thankful and stuck it out! It wasn’t easy but very rewarding! Every sweat, sacrifice and ups and downs are all worth it! I am now my own boss and I determine how much I want to put in and what I can make income wise! No glass ceiling!!! It takes passion, drive, determination, integrity, hardwork, and the intention to help others to succeed in WFG. This is it! Go big or go home! I love this company and it is no doubt that it has the best marketing platform in the world with a powerhouse backing of Transamerica and Aegon!
For those of you who only cares about money and don’t have pure intention into doing the right things for others, PLEASE DO NOT JOIN US! We work so hard to keep the credibility of our company which will always be. We care for this company that has helped hundreds and thousands of families including mine. Don’t ruin it for us who take this business seriously and with the right mindset and pure intentions to help the community. Thank you WFG! This company always helps and always will help every family in so many ways. See it for yourself and don’t base your decision from other people’s opinions.

this business has done so much for me and my family. I have learned so much and seen so many things. I don’t know where I would be right now with out this business. this is a beautiful building and the people are very welcoming and helpful. the trainers are strict but fair. they tell you how it is and the truth no matter if it hurts ur feelings. sometimes a person needs a reality check because they are stuck in their own little world. thank you so much WFG.

This place is great. Basically any type of financial knowledge you’ll need to know for the present or future can be learned here. Most types of financial help is offered here ranging from retirement planning, long or short term investments, college education fund planning, estate planning, and the list goes on. They’ve helped me learn how to invest the right way and really teach me how to plan for the future. Licensed by the state and federally mandated, WFG is 100% legit.

I’ve been in this business for a short period of time, but I am proud to be a part of it. As we become leaders, we then build leaders. Many people don’t have the self esteem or courage to move forward in their lives. We educate and guide them to empower their lives, which in turn develops a strength within, something they never thought was possible.
This is an accredited and reputable company. If you have the endurance and patience, nothing can stop you from achieving your dreams! Never give up on them and never let anyone else talk you out of them.
I say don’t think outside of the box because there’s no box to begin with. It’s all you. It always is. Make your mark!

My friend had tried to recruit me. I attended a couple of informational sessions. One was the Long Term Disability insurance + Investment that you’ll get your money back. The second was for Estate Planning. Both were great informational sessions. I learned something from those sessions which is good.
The bad, for the first session because they were trying to sell, is that the insurance + investment they were selling were BAD compare to what you can buy from out there. First, you should never buy an insurance that is combined with an investment. It doesn’t make sense. Insurance premium is a fee to get an insurance benefit — you don’t get any benefit unless you are dead. Investment that gives you a slight advantage over inflation rate should be avoided — you do much better with an index mutual fund. So, buy your LTD insurance by itself. Put your money in an index mutual fund. You can compare the cost and benefit of both and decide. I don’t know about any fees that they charge. The fee will definitely add damage to your cost. These guys are selling to those who do not know there are options out there.
The second session was very informational and no selling was involved.
I would go for the informational sessions to learn as long as I can but I will never join their team. Do your homework before you give them any $.

You are exactly where you want to be, because of all the decision you made in life. Weather it’s school or your job. I decided to join this company 19 years ago. Because I saw a opportunity to grow with in the company. Through good times and hard times I didn’t quit. And never gave up ! Always taking the High road ! There’s no looking back ! If you don’t give it a chance you’ll never know. And now I travel the World.

Wow, I read the negative ones and the positive ones. Honestly believe the positive ones. I cannot speak to the agents the negative ones talked to, but a business is only as good as the agents and sometimes bad apples do get in. Greed takes over and the person forgets the company mission. Sad but true and it also happened to me when I first was introduced to the company, but I still believe why?
First, the products and the information is legitimate. Remember how bad people’s 401(k) looked after 2008? 2000 and 2001? Isn’t that one of the primary reasons why more of the baby boomers are working longer? Because their 401(k) look anemic and please do not think that traditional pensions will be there either. Boeing just revamped theirs and CA pensions plans, the nation’s largest are facing a 300 billion dollar shortfall. That means two things, either cuts or raised taxes and if you do not think it will happen, ask the government workers in Rhode Island and Detroit. As far as 401 (k), well those are not secure either, just ask the employees from Enron and WorldCom, plus recent articles about how the matching that is a sales point, that companies offer are being manipulated and besides, business are not known for being altruistic. There has to be a reason WHY they offer it to their employees… just like there is a reason why companies got rid of pension plans and pushed people to do 401 (k).
Can you make money? Yes, will it cost? Yes. Does it require work? Yes. Does it help people? Yes. Do I wish I could help more? Yes. Thousands of dollars? Nope. The most expensive tests are for the U4, the series 6 and 63 tests. The exact same licenses that the more well known private wealth managers have… and almost the same basic requirements that was on the recent job description. The exceptions were that you had to have a college degree with the accompanying six figure debt. BTW, I do have one, a BSBA from the University of San Francisco, a M.Ed. and am working on an MBA in Finance now.
Also know what a pyramid scheme is before you bandy the words about and also how it works. I make no money unless I help a family out, I do not make it off of people I introduce, which btw, I do not do often unless someone asks me or I know is in need of a better opportunity. Again, there are those who do so, but I do not associate on a regular basis. I like helping people and my family name and my own personal reputation is on the line. I can regal you with stories about WHY I have not talked to a lot of people before and I won’t lie. It may cost me, but I am not going to lie just to get a client, that’s immoral and unethical and I have my soul to think of and material riches you cannot take with you.
Above all, it does require WORK. If you talk to me I will tell you that. Will you make money right away? Depends on you… on how fast you get licensed and trained to do the same thing. If you work fast and hard, it will happen faster. I know for a fact that I can make more money than the one who showed me the business. With a pyramid scheme, that does not happen and I do have access and can talk to people who have succeeded in the business, that you cannot do with a pyramid scheme. After al, has anyone talked to the owner of the Orlando Magic? I think he still owns them.
I’m also not brainwashed, I have the tendency to speak my mind and quite forcefully, especially when someone hurts the people I care about. I also will say something if it’s wrong or takes advantage of people just to pad their pay, which is another reason why I do not associate with some people on a regular basis. Again, I cannot speak to particular offices which I have not seen, but from the two I regularly work with, the one in Milpitas and the one in Salinas on North Main… I can say honestly that I am much happier and feel much more at ease, and I haven’t felt this way since they closed Manzanita.
Whew…I think I have said enough.

do yourself a huge favor and look up world financial group on Wikipedia. this company has been under investigation for years. this is a MLM pyramid scheme. i was suckered in by one of their recruits. basically there’s a guy on top, he hires recruits to walk around and try to sucker people into thinking some finance company is hiring and you can make alot of money. then they set you up with a fake job interview, or at least they say its a job interview. then once you get there you realize the whole thing is a scam and you are being pitched these fake money making opportunities. heres the juicy part, before you start the interview and realize its a scam, they make you fill out a fake job application. which has a tiny fine print that nobody reads that says they will charge your card and use your social. you fill out the application and they quickly grab it and put it away. then they try brainwashing you to either get recruits for them, or work for them by selling this BS alternative to 401k plans and insurance. the whole objective is the guy on top hires all these foot soldiers to go out and make them a ton of money, and in return you get NOTHING. just false promises that you will get all expense paid trips to the Bahamas, Rolex watches and gold rings. this is all bull. the person i dealt with was named devante, or davonte. he illegally charged my credit card various charges from different accounts that racked up to over a thousand dollars. i was just a unemployed family man looking to keep a roof over my families head and these sick people took advantage of my hard situation. do your research, this company is a scam and they have been cleverly scamming people for years. there is a loophole in the system and thats the only way these sick people are not in prison right now. but not to worry soon karma will come for them. google WFG scam or even look up the company on wiki and you will see this is all true. the good reviews are from people that work there on top of the pyramid and hustle everyone. dont fall for this scam!

I made the bold decision to join World Financial Group (WFG) and start my own business in December 2012. Since then I have had the opportunity to train with some of the most successful people in the financial industry and at no cost to me. There is much to learn, and much to be taught.
The thing I enjoy most about this company is having the opportunity to help families and friends lay the groundwork for a strong financial future that could affect generations to come. It is a truly rewarding experience when you are privileged with helping others and I’m very excited for the many more I will help while building my business.
I am only 23 years old, so of course when I joined I was highly skeptical but withheld my skepticism until I was able to acquire a better understanding of the business. Thanks to the creation of internet, unlimited supplies of negativity are only one google search away, but I’ve learned to not let the internet make my decisions for me.
I was introduced to the business by a friend who at the moment is not active but fortunately for me I’ve been surrounded by people who have supported me since I’ve joined. I think this is one of the rare businesses in the world where everyone wants you to succeed and I know as long as I give this business my 100% I cannot fail with such an amazing team behind me. To join you simply need to invest $ 100 (I’ve spent it on things far worse lol) and an open mind, the rest will fall into place.
I normally abstain from responding to ignorant posts like the one below, but the sheer amount of ignorance this review exudes compels me to respond. Cassie C., the fact that you wrote in your review, and I quote, «I didn’t know anything about this company» is perhaps indicative of a necessity to withhold your review and spare the people on this website looking for honest educated reviews from your misguided «insight.» Going to one meeting and attempting to write an educated review about this business (that you clearly lack understanding of) is like an elementary student trying to write a thesis on nuclear fission, just don’t. For the record WFG is regulated by the CA Department of Insurance, North American Securities Administration Association, and last, but certainly not least, The U.S. Securities and Exchange commission. Surely, if they were as «DISHONEST» as you so undeniably stated they would have been shut down long ago. I regret that your experience at your first meeting was less than stellar but a bad trainer is hardly indicative of illegitimate business practices. Since Unilocal is a place people go for honest detailed reviews, you might want to refrain from writing a review about something you have minimal understanding of as this would be counterintuitive to the purpose of this website.
To everyone else, give this business an honest chance you just might find something worthwhile =]

I have been with WFG for 3 months. This is a company who cares about people. Our Mission is: To build and protect wealth for families.
We provide financial solutions that deliver peace of mind for our clients and associates. We champion the cause of families and empower them to achieve their goals and dreams. WFG is the best platform there is to build your business, for you are never alone, the teamwork is amazing. I have met so many people who may have been nobodies, however because they are coachable and hardworking, they are now very successful. One cannot build a business overnight, that is how it is with WFG, because we are not a get rich quick scheme company. One has to have enduring qualities to make it through the challenges in the building process. This is not for the faint of heart. If one cannot handle challenges, then don’t even join, however if you can accept that there will be some rough spots on your way to be successful, but knowing that you are not alone on your way up there, then come on and try WFG. We do not make money recruiting, you get free training, you do not have to stock up on products, we do business with major insurance and investment companies. We are in a multi trillion dollar industry, backed up by a multi billion company Aegon/​TransAmerica Financial. This is an industry that is highly regulated by SEC, you have to study and be licensed. You have to spend some money to be licensed, plain and simple just like going to college you have to pay for tuition. The license is not an outrageous amount either. I love WFG for what its done for families, making sure that what they worked hard for is protected, making sure that no family is left behind. I can only speak for myself because of what I have experienced and seen. I chose to stand beside those who are successful. I know we have the best system, the best coach. Lastly to quote Napoleon Hill: «Quitters never win — and — Winners never quit»

HI, as to the little girl who posted before me about the presentation lol! I am Yvonne Tran and was amused to see my name on google or Unilocal does this mean I’m somebody??? lol! anyways babe this truly did happen to me I was a single mom, I do travel and I did find my husband here (it could happen to you to hmmm but maybe not) when I went to this presentation UN like you I have a different mindset than you I have life and job experience so, it worked for me. The story I told was honest and true but of course this is the world we live in, you don’t have to believe it that is your right but, don’t comment on something unless you are so sure of what your saying. Good luck!

AVOID AT ALL COSTS.
I’m not one of those people that cry pyramid scheme and start lecturing people about their practices but this business is straight up DISHONEST in the way they recruit people and present themselves (come on now, even Vector gives you information when they call you).
I ended up driving 30 minutes to this location because someone I had been working with at school (not a fellow student, but someone that actually worked at school) asked if I had any summer plans or was looking for work. I wasn’t actively chasing work but who turns down that question in these times? Naturally I said yes, he gave me his business card/​phone number, and told me he’d call me in the new few weeks. Fast forward a week and he calls me and gives me the address, and says everything will be explained there. Shaaaady, I could’ve gotten killed (lol, but really with the amount of information they give you it just seems like an «on the DL» kind of organization) so I told my friends the address/​if I don’t come back in a few hours, start worrying.
Anyway, the office building itself is very nice. The name «World Financial Group» is in big letters on the top of the building. The environment inside exuded a very strange, strained, and uncomfortable positivity. I had to sign in as a «guest» and wrote who brought me, and they took me around the office saying hello to different people. I tried to ask questions about the actual position but everyone kept telling me «everything will be explained at the meeting».
Unfortunately it didn’t take getting to the meeting for me to figure out what was going on, within the first few minutes while I was being shown around the office, I saw signs that reminded me of Usana/Vector’s business practices, complete with names, points, prizes, and whatnot. I realized it was one of those jobs where you recruit people, make money off their contacts/​end up using people around you, and the positivity was necessary to reel people in. It started to really go downhill from here, as everyone was herded downstairs to the meeting, and there was a short little talk about success, and the new recruits «our new guests», were put into a special presentation about what WGM does, and to convince us to get involved. I even specifically asked several people (obviously I was already not interested working here at all) if this was a multi-​level marketing business. I was met with another «everything will be explained at the meeting».
At this point I was ready to leave, but I didn’t want to be rude (funny, since the guy that asked me to go didn’t give me information even when I asked), so I stayed for the presentation given by a woman named Yvonne Tran. Basic usual the whole rags to riches (single mom to a traveling business woman who met her husband in the business) spiel, and the PP presentation looked uncomfortably similar to propaganda, it was black, red, white, with big letters. Sitting through this was like browsing through unwanted Craigslist job listings people usually avoid, there were so many little hook phrases like:
–work at home/​set your own hours
–residual income
–independent contractor
–working for a better cause
–helping people
–etc.
It’s funny that the presenter said «I’m doing this because I don’t want to be a salesperson, that’s not me!» in an exasperated manner. Please, you’re a saleswoman trying to pitch this company to people at the end of their rope, and trying to get money out of them by telling them all the benefits and how WFG is going to save the financial world and this is their chance to be a part of it.
What worries me is the variety of people and the vast range of ages (there were younger people, and much older people) in the room that seemed to think that this was a legitimate job offer, and that this company could make them money. There was a part two to this presentation, where they were supposed to give information/​see if you were «qualified to get on board», but I thought I’d already been polite enough to sit through the presentation, told the person that referred me here that I was NOT interested, and left.
Anyway, I didn’t know anything about this company (and I suspect the reason why they don’t tell you the name because they don’t want the Google results to deter you from coming), but after doing some research I found that there’s a $ 100 mandatory background check, and that you have to spend THOUSANDS of dollars getting the licenses you need to handle the job/​insurance. I don’t think this is a sustainable type of job, and I would highly recommend you look elsewhere for a job. I think even working at McDonald’s would be more profitable, you don’t need to be shelling out thousands to work there.
If you’re interested in this type of business (maybe you have a huge group of contacts, and don’t mind annoying them with your sales pitches), maybe try Vector Marketing or USANA. At least you make commission based off of appointments, and won’t have to screw with people’s lives.

This is a company that really cares for people. They focus on educating the public on simple financial concepts that will help you reach your goals. They work with you to budget, save, and grow your money for retirement and also teach you about the need to protect your family and the ones you love. Got a house? They’ll incorporate that into your plan as well to help you make the most of your money in a plan that you understand. This is one of the few, if not the only company that is truly looking out for the better good of our society.