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FINANCIAL EDUCATION SERVICES INCOME DISCLOSURE STATEMENT (January 2020 – December 2020)

Income Disclosure Statement for January 1, 2020 through December 31, 2020

The Income Disclosure Statement is a reflection of Financial Education Services’ (“FES”) rewarding opportunity and represents the average global earnings of the ranks of FES Agents.

 # Of all Agents
Active+Inactive		% Of all Agents
Active+Inactive		# Of Active
Agents		% Of Active
Agents to total		2020 Annual
Average Income		AVG Months Active
in the Business
Agent92,08292.1337,07740.27$4,148.864
FT5,1205.124,35985.14$5,967.596
SFT1,3491.351,14985.17$7,530.598
SD8650.8783396.3$17,523.569
RSD2650.2726198.49$30,753.2410
ESD1060.1110599.06$59,294.0811
VP1010.110099.01$102,353.2212
RVP330.0333100$212,885.2912
EVP150.0215100$314,794.0012
SVP & Above160.0216100$2,799,752.6212

The income statistics above are for all active FES Distributors who were enrolled during the period from January 1, 2020 to December 31, 2020. An “Active Distributor” is defined as any person who: (1) executed a FES Distributor Agreement; (2) has sponsored at least one person; and (3) has received at least one commission from downline productivity.

 

The earnings of the distributors in this chart are not guarantees of the income, if any, that a FES Distributor can or will earn through his or her participation in the FES Compensation Plan. The average distributor invests between $100.00 and $2,500.00 in expenses as they build their business.

Note that it takes hard work to make substantial income in this business and some distributors make no money at all. Success in this business requires leadership, hard work and dedication, just like anything you do in life.

During 2020, approximately 60% of individuals who executed a FES Distributor Agreement are considered inactive.


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About Us

To continuously develop beyond the financial services offered today, aiding consumers in the achievement of their greatest financial potential and to educate and improve the financial scenarios of American consumers.
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YFL Family Mint

FamilyMint is an award-winning online money management and goal-setting application that offers an engaging way for kids to learn financial responsibility. It’s easy for kids to use, lets them connect their money with real-world meaning, and most importantly, learn by doing. Your UCES Protection Plan membership gives you access to the YFL’s FamilyMint web and mobile interfaces, provides a quarterly financial newsletter “snippet” for kids, as well as detailed information on how to bring the FamilyMint workbook program to your child’s classroom.

Features

MyCare Plan

When it comes to your health and your assets, you’re used to being in charge. The decisions you make for yourself and your family are important because you know what’s best for you. unfortunately, in the event that you aren’t able to speak on behalf of these decisions, someone that doesn’t understand your wishes can end up making them for you. Without an estate plan in place, these crucial choices regarding YOUR health, YOUR finances, and YOUR family are suddenly out of your control.
Many people disregard planning for unexpected events because they’re “too young,” it’s “too expensive,” or they just don’t realize the importance of each piece that goes into a Will & Trust. MyCare Plan is a comprehensive planning package, customized to your needs, covering each of the essential parts that make up a full estate plan.

Features

  • Developed by attorneys
  • No add-ons or surprise charges
  • Friendly, customer service staff to answer your questions
  • No annoying sponsored advertising
  • Complete at your own pace from the privacy of your home
  • Mailed to you in a MyCare binder ready to be signed and notarized
  • Peace of mind for life’s uncertainties

WHAT'S INCLUDED

NetWorth

You hear about Net Worth all of the time, but do you know yours? Our Net Worth system makes it easy to track to your assets and liabilities, calculating your current Net Worth. The Net Worth report will track your results over time – and you can update and frequently as you would like! Tracking your Net Worth is a great way to start increasing your Net Worth, allowing you to discover what liabilities you need to eliminate and finding ways to add value to your assets!

Features

  • Easy-To-Use, Preset Categories
  • Keep Track of All of Your Assets
  • Make a Listing of Your Liabilities
  • Simply Fill Out Fields That Apply to You and the System Will Calculate
  • Track Your Progress Utilizing The Net Worth Report

Savings Goals

Looking to save up for a vacation? To build your emergency fund? What about saving for college? Setting goals is the best way to reach them! Our Savings Goal system allows you to create multiple goals, decide when you need to achieve those goals, and choose how often you can save! You’ll then be shown what you need to put away each week or month to hit that goal! Your Savings Goal report will allow you to track your progress, showing you how much of your goal you’ve completed and allowing you to add any additional money at any time!

Features

  • Quick and Easy to Calculate
  • Create Multiple Goals at Once
  • Utilize Your Savings Goal Report to Track Your Progress
  • Ability to Add Additional Money Throughout Your Savings Period
  • Optional Text Feature Reminding You to Save

Life Insurance

A life insurance policy gives you and your loved ones protection from the unexpected, offering the peace of mind knowing that your family will have financial security at the most challenging time. Symetra, your Term Policy provider, has been in business for more than half a century, operating on a foundation of financial stability, integrity and transparency. Symetra is committed to creating employee benefit products that people need and understand.
To participate in the term life insurance program provided by Symetra Insurance Company, you must be an active 1099 participating representative of United Credit Education Services.

VALUE OF LIFE INSURANCE

Financial Lockbox

If you’re like most families, one person is generally designated to handle the financial aspects of the household. Or, if you’re single, you may be the only person who knows the type and location of your financial accounts. What if your loved ones suddenly found themselves in the position of taking over your finances without warning? Would they be able to locate insurance, bank and financial records in the event of an emergency? My Financial Lockbox is an online solution that enables you to store financial data in a single, secure, password-protected location for easy access by you or loved ones that you select and authorize.

Features

Your Interactive Virtual Safety Deposit Box ...

  • Establish a complete listing of all life insurance policies, bank accounts and other financial data - for your records as well as an appointed contact
  • All your financial documents organized and easily accessible, especially handy at tax time
  • Restore your records easily in case of fire, earthquake or flooding
  • Your data is safe and secure against hackers with our state of the art encryption programs
  • Appoint a contact person to be notified of your records in the event of an emergency

Identity Monitoring

InfoArmor leads the identity protection industry with PrivacyArmor®, a proactive monitoring service that alerts you at the first sign of fraud. Get alerts for credit inquiries, accounts opened in your name, unsavory content on your social media account, compromised credentials, and financial transactions. In the event of fraud, you don’t have to figure out what to do — or even do it. Our dedicated Privacy Advocates® fully manage and restore your identity. Our 401(k) and HSA reimbursements, tax fraud refund advances, and $1 million identity theft insurance policy † mean we won’t let your finances suffer.

Features

  • $1 million identity theft insurance - If your employees fall victim to fraud, we will reimburse their out-of-pocket costs.†
  • Pre-existing condition resolution - If a participant has a pre-existing identity theft issue, we will honor the full benefits of membership at no additional cost.
  • Enhanced identity monitoring Our proprietary monitoring platform detects high-risk activity to provide rapid alerts at the first sign of fraud.
  • Auto-on alerts Once we receive a participant’s Social Security number, we immediately begin monitoring and alerting.
  • Dark web monitoring Our bots and human intelligence operatives scan closed hacker forums for compromised credentials.
  • High-risk transaction monitoring PrivacyArmor alerts for non-credit-based transactions like payday loans, student loan activity, and medical billing.
  • Social media monitoring PrivacyArmor keeps tabs on social accounts for everyone in the family, watching for account takeover, vulgarity, threats, explicit content, violence, and cyberbullying.
†Identity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

Debt Payoff

Our Debt Payoff system is a clear guide on how to more efficiently pay down your debt. Taking into account your debt obligations and interest, the system will show you exactly how to properly allocate your money towards your monthly payments using nothing more than your current income, in order to speed up your debt payoff. This system will show you exactly how fast you can pay down your debt, how much money you’ll save in interest and detail your monthly payment plan to help you achieve your debt payoff goals!

Features

  • No extra income.
  • No line of credit.
  • No refinancing.
  • No consolidation.
  • No change in lifestyle.

Credit Monitoring

Manage all your online accounts in one place, integrated with your credit and identity. You can use Action buttons to ask your creditor a question about your account or a transaction. No phone calls or writing letters are necessary. We automatically track and update your account balances, bills coming due and transactions every day. Access your interactive credit report, which is now easy to read, search or find anything quickly, view more or less detail. It also includes your credit score, auto score, insurance score and even a hiring risk index for job seekers. Get alerts to your phone or email that someone opened credit in your name. Then use the Action button to stop the thieves.

Features

Credit Attorney

We love to help people. We fix people’s credit reports in a legally and trustworthy manner and fight abusive debt collectors. We turn victims into victors as we step into an otherwise unfair fight started by debt collectors, creditors and credit reporting agencies. We are focused on you and not just your case. Our lawyers and paralegals band together to analyze your case and situation from all angles to bring about the best result in the quickest manner. We will work with you to determine your case eligibility and aim to stop debt harassment & clean up difficult to remove credit report errors from your credit file.

Features

Credit Builder

Understanding how your credit score is calculated and how to read your credit report are the first steps in improving your current standing. Our Credit Education Center offers a wide variety of educational services, credit tips and resources to help you take the necessary steps to enhance your credit score and manage your financial life. Improve your score by identifying the accounts that need immediate attention and why, and understand the impact of the amount of credit you are using.

Features

  • A Breakdown of the Credit Scoring System
    Understand the credit scoring system; how it works and how it impacts your financial health and freedom.
  • Credit Management Techniques
    Details on how your financial actions can impact your credit score and how to enhance your current score
  • Education and Resource Center
    Includes a wide variety of educational services, credit tips and budgeting tools to establish and maintain your good credit.

Credit Restoration

Your financial health revolves around your credit score, making it imperative that the information your credit report contains is as accurate and up-to-date as possible. Work with our credit experts and proven system to eliminate any inaccurate, obsolete or erroneous accounts. We’ll teach you the exact information you need to provide to the Credit Bureau’s to use the Fair Credit Reporting Act to your advantage and dispute the mistaken negative ratings that may be preventing you from obtaining new credit when you need it most. Lower your interest rates, avoid high late fees, save money and advance your credit opportunities.

Features

  • Over 10 years of exceptional service, results and satisfied clients
  • Complete customer involvement with review and change to your disputes
  • Monitor your progress online 24/7
  • Live, friendly customer service staff

Budgeting

It’s been proven time and time again that creating a budget can help you pay off debt, save money and put yourself into a solid financial position. Our online budgeting system features a modernized design, with preset categories allowing you to simply fill in the blanks and update along the way. Each month, we’ll track your progress and place it into a budgeting report – allowing you to see the impact of following and maintaining a budget.

Features

  • Modernized, Easy-to-Input design
  • Preset Categories Makes It Simple To Track Your Money
  • Save Time by Transferring Previous Data to a Following Month
  • Edit Your Budget From a Month Prior, Prepare Your Budget For 2 Months Forward
  • Budgeting Report to Track Your Progress