FREE Savings Analysis... Your First Step

(more testimonials)

You may be reading this becuase you are thinking of having a Savings Analysis done for yourself, or because you are wondering about the best way to refer a client.

Whichever the situation is, this article should make you feel comfortable about the process of the "Analysis and Demo."

First... I want you to remember that ALL Worth Unlimited sales and marketing is driven by REFERRALS.

What does this mean to YOU?

It means that we have to accomplish two things... we have to make our clients HAPPY with our product once they have purchased it (see "testmonials" on the WorthUnlimited.com web site) AND we also have to make people happy and comfortable with the PROCESS of buying the program.

If we fail at either one... we won't get future referrals, will we?

SO... this should make you, and your client, feel confident that the whole process of the Savings Analysis appointment(s) is going to be painless, positive and comfortable.... and it IS!

Here's how it works....

1) Call the toll-free Analysis Hotline at: 800-224-1053

... if you have a client you are referring it is advised that you use a 3-way call to do this... simply put them on hold, call the company yourself, and then "conference them in together."  If you are calling for yourself, they will ask you who referred you. Let them know the name of the person who is your Worth contact. If you don't have a Worth contact, use: Muthu #989621 (questions? 407-443-0348)

2) Have your monthly statements for your debts/loans in front of you.  I will be faster if you have circled the.... balance, interest rate & payment amount on each statement.  If you have a mortgage as well... look for the: START date and the amount going to escrow, if any.

NOTE: The only other info the company needs is an idea of your income (monthly average is fine) and how much true discretionary income you have left each month.  They do NOT need any info that could lead to "identity theft." For instance, they will not ask you for social security number, any account numbers or the names of your bank or mortgage company.  Only the "generic" debt numbers are necessary for the calculations of the Savings Analysis.

FIRST Phone Call.... (about 10 minutes)

This process is done completely over the phone and just takes a couple of minutes. On the first phone call they will only gather your numbers from you and set a time for a longer, follow up call where they can give you the results of those numbers.  This is a quick call and you can do it from anywhere... for instance, take your statements with you and do it while on your lunch hour or short break from work.  You don't need an appointment for this call, but if you want to make one, that is fine as well. Call the same 800 number to set an appointment and they'll call you back at that time.

SECOND Phone call... (20 minutes to an hour)

This second call should happen (they will set up an appointment for this one) while you are in front of your computer and in the privacy of your own home or office.  If you have a partner/spouse, you will want them there too as this affects them as well and they'll want to be part of the conversation.

A Worth Coach will share the Savings Analysis with you and, if it shows that the program will work for you (remember it doesn't work for everyone which is why this process is necessary), then they will do a full DEMO and presentation of the program (using your own numbers), along with answering all your questions.

You really only have one decision to make... either keep doing things they way you've been doing them, or, move forward and let the Worth Account help you achieve the results that it shows you you can have.

If you choose to move forward and get the Worth Account at this time, they will go ahead with the activation and set up a follow up coaching appointment for you to show you how to input your numbers, and how to use even more of the product features.

If you cannot, for any reason, move forward with activation at this time (for instance, you have circumstances that require you to wait), don't hesitate to ask the Worth Coach to simply set up another follow up appointment for you, for whenever it is convenient.

Do keep one thing in mind though.... SAVINGS ARE TIME SENSITIVE. If you take your total amount of projected savings, and divide that by the number of months until you will be debt free... that will give you an "average" of your monthly savings. For most clients, that average is over $900 in interest savings for EVERY MONTH of program use. If yours is close to that, you'll want to ask yourself... "how many months do you want to wait to start saving?"

CONFIDENCE:  Since 2006 we have helped over 70,000 clients with achieving their financial goals.  That has resulted in an "A+" rating in the Better Business Bureau. 

What does this say to you?  

It says that you can be confident that Worth IS focused on YOUR success.  After all, the more successful you are with your debt elimination and money management using the program, the more REFERRALS the company will get.... it's a "win win" for all!

With that in mind, your Worth Coaches are your "partners" in reaching your financial goals. Never hesitate to pick up the phone and call with questions, no matter how small you may consider them to be.

Additionally you'll find that the company will occasionally call YOU. Not because we have any other products to sell (we don't), but because we want to stay in touch to insure you are happy with the program, and are getting the results that were GUARANTEED you when you came on board.

Our GUARANTEE:  The Worth Account has a performance GUARANTEE that insures that, as long as you follow the program, and as long as your financial circumstances don't change drastically, that you WILL get the savings shown in the Savings Analysis, if not better.  

RESULTS:  Our average client is saving over $120,000, is paying off ALL debt, including a 30 year mortgage, in just 7-11 years, and our typical client reports they are achieving (on average) about 20% better results than expected.

Program PERKS:  The program comes with UNLIMITED live coaching and support, so you are encouraged to call in as often as needed until you feel completely comfortable with the program.  

Also, the program comes with unlimited upgrades. As we further develop new features for the program, you're entitled to FREE upgrades of whatever level of the program you have purchased.  

You are also entitled to upgrade to a higher level of the program at any time by simply paying the pricing difference.  For instance, you might purchase the "Gold" version for consumer debt (no mortgage), and later after you have purchased a home, upgrade to the "Platinum" version, which is designed to include a mortgage, or mortgages, in your financial picture.

(more testimonials)

For Worth REFERRAL PARTNERS:  As you know this is an AWARD WINNING program, we have over 70,000 clients using the program and our parent company has an "A+" rating in the Better Business Bureau.

You can always have confidence your client will be treated well when you refer them to Worth. You are welcome to give your client the toll free number and your referral ID# and let them call themselves, however (procrastination being what it is) you'll have the best results if you give them more guidance by being directly involved in setting up the first appointment with them using the 3-way call approach.

3-Way Call: When you do the 3-way call we suggest that, once you connect your client to the company, that you mute yourself off the call to give them privacy (your client will most likely not want you listening to their personal financial picture unless, of course, you are already their financial advisor). So, tell your client you are going to mute yourself off the call and suggest they contact you back after the call, if need be.  Then hit "mute" on your phone and go do something else till you see they have disconnected the call. This will give them privacy.

You'll know what is happening every step of the way as Worth will send you email updates letting you know the status of the situation, when the clients next coaching appointment is set up for, etc.  

Whether you're reading this for client info, or for yourself, please know that everyone at Worth Unlimited is here to help you succeed at your financial goals.  How much could YOU save using the Worth Account?

Get your FREE Savings Analysis started TODAY and find out!

If you want more info or have any questions about any aspect of Worth Unlimited, please feel free to call Sue Copening, Exec Director, at 407-443-0348.

The History of the Worth Account

The History of the Worth Account

The early days of Worth Unlimited show a history of stewardship and care for others and, now, this all new mission takes technology and financial management to the next level, winning multiple awards and over 70,000 clients, to date.

Worth Unlimited is the new marketing company owned and founded by Skyler Whittman and John Washenko, developers of the software at the heart of Worth's debt reduction and wealth building mission.  

In 2008, they, and their co-founders, were awarded the coveted Ernst & Young “Entrepreneur of the Year” Award (in Financial Services in the Utah region) for their work developing what is now called “The Worth Account.”

Friends since childhood, Skyler & John learned what debt can do to a family when both their families lost homes to foreclosure and they had to move.  This experience helped the two to develop a tremendous dislike of debt and a passion for helping others to avoid it.

As young adults, the two friends went into business together, opening a mortgage company with the vision of helping young families, like each of theirs, get a start in life.  In less than 4 years, their mortgage company “Accelerated Equity” had distinguished itself as one of the fastest growing companies in Utah. However, Skyler and John were not achieving the complete vision they had hoped for.  Despite coaching clients with financial strategies to help their clients get out of debt and pay off their homes early, they watched in dismay as clients came back to them to refinance over, and over again – generally to cover expanding consumer and credit card debt.

Also disappointing to Skyler and John was watching the national trends toward ever expanding personal debt ... meaning more and more people were living paycheck to paycheck, less American's had any personal savings or retirement plan and more and more families were facing financial challenges. With average personal debt exceeding over $43,874 per person, and with financial stress quoted as being one of the leading causes of divorce, Skyler and John saw this as being the single greatest threat to the American family.

~~ They knew there had to be a BETTER way.

More than just a financial one, this became a moral mission. They went on a quest to find a way to help clients to be more successful with managing their finances, looking for financial tools that could help as well.  With mortgages being the single biggest debt most of us will ever have, they focused their research there. In doing so they learned about the “offset mortgages” being used in Australia and the U.K. (now, offset mortgages make up the majority of mortgages in those countries), and they recognized that – mathematically at least – the offset mortgage was vastly superior to the amortized mortgages we have here in the United States. They also could see there were two problems to be faced.  One was… we didn’t HAVE those mortgages here in the U.S. and the second, biggest problem, even if we did, without good financial discipline, an offset mortage loses it’s financial advantage.

But John, being a self-professed “math geek” (he also shares credit for program development with Skyler’s wife), went about designing a software program that would allow the user to mimic the mathmatical advantages of the offset mortgage, but with psychological tools built into it that make it easy for clients to be more financially disciplined and motivated.

~~ GREAT RESULTS!

Thus, what was then called, “The Money Merge Account” was born in 2004. Marketing it under the name United First Financial, the company did a “test run” with 400 clients in the Colorado and Utah area and discovered amazing results.  Not only were clients “sticking to” the program (over 95% still using the program regularly 4 years out), but the average client was achieving 20% BETTER savings than was projected for them (with their free Savings Analysis) when they got on the program! 

~~ Results for the average client include:

• Savings of over $120,232
• 30 year mortgages paid off in 7-11 years
• All debt paid off, credit cards, car loans, student debt, etc.
• Amortized, that's over $900 in interest savings for each month of program use.
• 95% of clients "stick to" the program
• Average client gets 20% better savings than projected
• 70,000 clients as of 2012
• "A+" rating in the Better Business Bureau

The great results achieved by the program brought the company a lot of recognition.  The Ernst & Young award and the “Editors Choice Award” from Personal Real Estate Investor magazine, are just two examples.  Additionally, the company was featured on the covers of several national financial and real estate related magazines, even attracting the attention of noted “gurus” like Mark Victor Hansen, “One Minute Millionaire” & “Chicken Soup for the Soul” and T.Harv Eker, “Secrets of the Millionaire Mind.”

The first version of the program utilized a HELOC (home equity line of credit) in order to mimic the offset mortgages math advantage.  Other debt got paid off by rolling it into the equity line (also producing tax advantages).  However, while the program got great results, saving (on average) more than 15-20 years on a 30 year mortgage, Skyler and John had an even bigger vision for the program.

Now, 8 years later, the newly “branded” 5th generation of the program has been unveiled under a new name – “The Worth Account.”

Superior features have been added to the Worth Account, making the program a great tool, not just for personal finance – but also for BUSINESS finance.  Reporting features allow a client to manage both the finances of their business or organization, and their personal finances too – yet print out separate reports at year-end for tax purposes.

Cloud based integration with over 13,000 banking institutions means users can also pull all their accounts into one “dashboard” and sync right with their accounts for purposes of automatic updating.

There is all new PROGRAMMING for debt payoff as well.  The best way to describe it is like a “GPS” system – but for your finances.  Pulling all your information on various debts, interest rates, payment amounts, income frequency and amounts into one “financial brain” – the program uses factorial math algorithms to calculate the quickest way to zero debt, paying the least in interest.  Additionally it suggests movements of money from one account to another in order to manipulate the interest paid to YOUR advantage.

No longer does the program need a line of credit to operate, 95% of customers are activating it using just the accounts they already have in place (though adding a line of credit down the road, will add a mathmatical savings advantage).

~~ New Pricing!

In order to facilitate access to the program for younger consumers, who are saddled with student loan debt, car payments and more, there's a whole new pricing structure based on how much the program saves. In short, if the program isn't saving the consumer as much, they don't pay as much for the program.

There are THREE versions of the program...  Consumer Debt (no mortgages), Homeowners (1-2 mortgages) and Investor (3 or more mortgages), and each is priced differently and "capped" - meaning clients never pay more than about 3.5% of their projected, guaranteed savings, but could also pay as low as 1/2 of 1%. Would YOU invest $3 if you knew you'd be guaranteed to save $100? Would you invest 50 cents?

~~ Refer & Earn!

A tool + income! Our all new “Learn, Refer & Earn” marketing program rewards clients when they refer others, allowing them to earn referral “commissions” by simply recommending a friend get a FREE Savings Analysis. This means clients could easily earn more in referral fees than the investment in the program cost – making program use virtually free!  Now Worth Unlimited is able to place in a clients hands, not only a tool to make it easy for them to reach their financial goals... but also an additional source of revenue (that requires very little effort) to help them reach those goals even faster!  

~~ Are YOU debt free?

Good stewardship of money starts at home. Is YOUR house paid for? The best way to really understand how truly powerful this program is, is to see YOUR own numbers in black and white.  See when you can be completely debt free... withOUT changing your budget. A FREE Savings Analysis takes just 5 to 10 minutes. No "personal" info is needed for this confidential analysis... only the balances, interest rates, and payment amounts for your debts, along with an idea of income. The savings results are tied to the GUARANTEE. Our average client is saving over $120,000 and paying off a 30 year mortgage (and ALL debt) in just 7-11 years. Your savings might be a bit less, or more, but it only takes a few minutes to find out.

~~ Marketing made easy… and FREE!

Are you a professional or business owner?  This is a program YOU can refer clients and friends to. The Worth Account is a perfect "value added" service you can tell clients about - simply directing them to a free Savings Analysis. You never "sell" the program, simply refer.

For you, it's a way to insure your client base is more credit-worthy and financially sound. For your clients... it’s a BETTER way to get ahead financially… no books to read, no spread sheets to fuss with... just a simple and easy program to follow... a way that will strengthen families and solidify financial futures.

~~ Referring to Worth Unlimited is EASY!  

We give you a FREE “turn key” system so all YOU have to do is “plug in.”

Marketing materials include…

•    Banner ads for your website
•    Pre-written articles for blogs & newsletters
•    Webinars you can invite supporters to
•    Special Facebook “timeline ads”
•    Your own “marketing” person to help you design unique campaigns around this program

You are rewarded with…

•    Up to $1000 per referral/sale
•    3 referral appts a week = about $3000 a month
•    5 referral appts a week = about $7000 a month
•    Bonus $$ based on volume
•    Additional promotional programs

We make it easy for you to plug into this program:

Questions now?  http://WebProfitGuru.com 
Call  – Muthu Mudaliar, at 732-277-5242
or Sue at: 407-443-0348

Want a Free Savings Analysis? Call Toll-Free: 800-224-1053
You need a referral ID# to get a Savings Analysis done, so if you were referred by a friend, or professional, get that from them.  If not, use Referral ID #989621.  The company will simply ask you for your "debt numbers" - balances, % rates, payment amounts, along with an idea of average income. You will NOT need to provide any "identifying" information; no account numbers, names of accounts or social security numbers. No credit check is run or needed - see more about how the Savings Analysis works below.