ECONOMIC FREEDOM

THROUGH

ENTREPRENEURSHIP

Our Mission to Ensure You Live the Life You Deserve

THE

AMERICAN

DREAM

DREAMS

OF A

BETTER

FUTURE

At FRA Financial Group, we believe that economic freedom is the right of every American – those born here, as well as those who’ve come here from afar, often enduring great hardships to do so, all in the pursuit of one thing – the American Dream.

At no time since the 1930s has attaining the American Dream seemed so elusive. People are working harder for their money, but incomes aren’t keeping up with inflation, especially with the rising costs of college, health care and housing – the typical benchmarks of middle-class wealth.

British essayist Max Beerbohm warned, “We must stop talking about the American dream and start listening to the dreams of Americans.”

“Give me your tired, your poor, Your huddled masses yearning to breathe free, The wretched refuse of your teeming shore. Send these, the homeless, tempest-tost to me, I lift my lamp beside the golden door!”

From ‘The New Colossus” by Emma Lazarus, poem engraved on the Statue of Liberty

ECONOMIC FREEDOM

THROUGH

ENTREPRENEURSHIP

FRA IS

LISTENING

FRA IS

LISTENING

We want Americans to start dreaming again. For this to happen, people need a level economic playing field. They need the knowledge, tools, concepts and strategies neces-sary to make informed choices and smart decisions about their finances. We’re determined to help them create a better financial future for themselves.

We believe the most direct path to reclaim the American Dream’s promise of economic freedom is through entrepreneurship.

For nearly 30 years, our company has been led by one of the country’s greatest entrepreneurs, Joe RoosEvans. Joe is well respected within the industry and is known as an innovative, dynamic leader and mentor. He has dedicated his entire career to helping people, just like you, create, grow and protect wealth.

Joe has committed our company to find and build the next generation of great entrepreneurs – the leaders who will define American business for the 21st century.

We believe you could be one of them.

“Becoming FRA entrepreneurs has allowed us to work together. With our busy lives and raising three young children, it allows us to fit work around our schedule and not the other way around. That is very hard to achieve if you’re tied to a 9-to-5 job. It also gave us the opportunity to introduce our friends and other family members to the business and get them involved in what we do. Essentially, we’ve been able to select the people with whom we want to work on a day-to-day basis.”

Allan & Jean LorenzoSenior Executive DirectorMilpitas, CA

“Being an entrepreneur in the FRA team has brought me a new and inspiring sense of purpose. I now have the power to change lives with our business opportunity. Every day, we help countless people reach financial freedom and achieve more meaningful relationships. FRA is a wonderful vehicle to help all of us reach our destination.

“The world is filled with uncertainty. FRA brings proven solutions to real people who want to improve their quality of life. We proudly make a difference – one family at a time.

“As an immigrant, I care deeply about leaving a legacy for my family and community.”

Lindsey Lan NguyenExecutive DirectorSan Jose, CA

“I begin work at 4 a.m. in the City and County of San Fran-cisco Municipal Railway’s Mobile Response Unit (M.R.U.). I’m the person they call if there’s a problem with an LRV (Light Rail Vehicle). The job pays well, but it’s stressful.

“I’m in FRA Financial Group to free myself from having to punch a time clock day in and day out. If I lose money, I can always make it back. But if I lose time, it’s gone. I don’t want my kids growing up without me in their lives. I don’t want my wife handling the responsibilities of parenthood on her own. I love my family, and I want to be there when they need me.”

Mark & Cyril SenoresExecutive DirectorSouth San Francisco, CA

“I’ve enjoyed a very successful real estate career, but if the past several years have taught me anything, it’s that I want a more stable, growth-oriented business. FRA Financial Group has given me that by providing me with an entrée into one of the fastest growing and most profitable sectors of the American economy — Financial Services.

“As an FRA entrepreneur, I’m building an organization from the roots up where I not only have stability, but I’m experi-encing impressive growth. Most importantly, I’m building real wealth for my family and I’m helping my clients and colleagues to do the same.”

Chrysel DelacruzSenior Executive DirectorSan Jose, CA

“I’ve been an industry professional for many years, but I’ve never before experienced such autonomy. As an FRA Finan-cial Group entrepreneur, I’m getting to call my own shots, but I don’t have to go it alone.

It may seem daunting to undertake opening a new business in this economy, and with any other company, it probably would be. But FRA has provided me with a turnkey system, the support, a market in my area reserved just for me, and potential funding opportunities to ensure I have more than a fair shot at achieving success. What more could anyone ask for?”

Ralph AbateField Senior Vice PresidentWinthrop, WA

A FRESH START

Today, many people are looking for a fresh start – sometimes it’s by choice and other times it’s by circumstance. Whatever the reason, this diverse group of individuals that come from all walks of life and hail from all corners of the country find themselves united in a common dream – to build a better life for their families.

These are people who are looking for security and peace of mind. They want control of their time and their future. At the end of the day, they want to be able to say that they gave their family a life better than the previous generation did.

This is the reason why FRA Financial Group has dedicated itself to this important mission. We know that when people become educated and empowered about their finances, they have more control and can make better decisions for themselves.

Through our independent career opportunity, we help people become entrepreneurs who can not only make money for their families, but who can also share that dream with others and help them achieve a better financial future, too.

A

FRESH

TAKE

ON

BUSINESS

MAKING A

DIFFERENCE

THE FRA

DIFFERENCE

“You need to break the chains of a job for the freedom of being an entrepreneur.”

Joe RoosEvans, Founder & CEO, FRA Financial Resources of America, FRA Financial Group

MAKING A

DIFFERENCE

Becoming an entrepreneur and running your own business may seem overwhelming, but it doesn’t have to be. Let us show you how it’s done. With FRA, you’ll have what you need to build a successful business within our business.

In the end, your perseverance will be rewarded. You have the chance to potentially build real wealth for you and your family, all while helping others to do the same.

As one of FRA’s entrepreneurs, you’ll have access to:

Proven Leadership An experienced leadership team with a track record of success leads FRA Financial Group. They know what it takes to be a winner, and they’re willing to share this information with you.

Synergistic Compensation System Our competitive commission grid, allows you to not only build a business within our business; you can build an enterprise within our enterprise. We offer generational overrides. This means that as you help people become self-sustaining entrepreneurs you still get paid.

Entrepreneurial Programs

The revolutionary FRA ENTRUST Program provides an exit strategy if and when you decide you want to sell your valuable, cash-flowing business. Those who qualify can participate in the FRA Profit Sharing Program.

“Being an FRA Financial Group entrepreneur gives me so much joy. This is a business where we help others first, then help ourselves. There is a huge, under-served market out there that needs what we do. They need to hear about the FRA Financial Group crusade of Economic Freedom through Entrepreneurship.

“I have worked as an agent before, but with FRA, it’s like I’m part of a big family. I’m excited to start working each day. I’ve learned so much from our leaders, Jeff Delgado and Eric Antonio. I continue to challenge myself to aim higher by setting, reaching and re-setting financial goals. FRA helps me to create and protect my wealth. I want to help other people to do the same.”

Helen WangExecutive DirectorMountain View, CA

“One day I was living the American dream. I was all set to play pro ball. But in a split second, my dreams were shattered, and a devastating injury put an end to any hopes I had of playing professionally.

“For a while, I was at a loss. What was I supposed to do now? But FRA Financial Group opened a door for me. As an FRA entrepreneur, I’ve been able to achieve my destiny on a very different playing field. It’s meant that I can provide the life I always dreamed of for my family and myself. In my mind, that’s achieving my American Dream.”

Keith HarrisField Senior Vice PresidentBelleville, IL

A RECIPE

FOR SUCCESS

AN INNOVATIVE

BUSINESS MODEL

“The economic freedom that I’ve achieved as an FRA entrepreneur has allowed me to spend more time with my family. For instance, I can take my 11- and 12-year-old daughters to school in the morning and pick them up in the afternoon.

I have the flexibility to attend their school and after-school activities when needed. There’s no need to call in sick or take leave and wait for someone else’s approval. Time flies, and you can never relive those special times once they’ve been missed.”

Dante PadamaExecutive DirectorFremont, CA

“FRA has given me the ability to work at my own pace, achieving success and allowing me to actually enjoy my profession and the freedom to spend time with my loved ones.”

Sonia DeseoSenior Executive DirectorMurrieta, CA

Along with FRA’s powerful mission, the Financial Gourmet Business System is a key part of FRA’s innovative business model. This easy-to-implement, turnkey system provides you with everything you need to successfully open your own office. We ensure that everyone has a unique, protected marketplace. We provide funding opportunities that allow you to build your business by hosting wildly successful Financial Gourmet seminars. As your business grows, the synergistic compensation system ensures that you maximize your earning potential by continuing to make money while your team runs the seminars.

Why are the Financial Gourmet seminars so successful? We provide people with the information and strategies they need now to achieve a secure financial future.

Simply put, we help our clients reduce or eliminate risk while ensuring tax efficiencies.

We can do the same for you. Not only will we provide you with everything you’ll need to build a successful business through the Financial Gourmet Business System. You’ll use this powerful concept to create real wealth not only for your family, but also for all of the families you’ll serve with your FRA Financial Group Business.

We developed these strategies to breakdown the intimidation factor that many people associate with financial concepts. By demystifying finances and simplifying the planning process, we believe more people will be able to create a better financial future for themselves.

As an FRA Entrepreneur, you have the opportunity to build a legacy that has the potential to transform your family for generations to come. And isn’t that what the American Dream is all about – living the life you always dreamed of, doing what you love doing and helping others to achieve the same.

ECONOMIC FREEDOM

THROUGH

ENTREPRENEURSHIP

Come work with us. Contact the person who shared this brochure with you. Get started today with FRA Financial Group and create a better

financial future for you and your family.

FRA Financial Group is a financial services company committed to helping people reclaim their American Dream and create a better financial future for themselves and their families. FRA is dedicated to building the next generation of great entrepreneurs who will shape the

future of American business. We believe that Economic Freedom is achieved through Entrepreneurship.

FRA’s independent career agents market a variety of insurance products and financial services. All associates of FRA Financial Group are independent contractors, regardless of field title or designation.

805 West US Highway 50, O’Fallon, IL 62269 | 800-279-9785 | FRAFinancial.com © 2014 FRA Financial Group™ | FRA_CRU001_1.15