Today's average congregant: 86% of high school seniors think that the best long term growth investment is a savings account. (Jump Start 2006) Our proposed solution: Use a simple tax-FREE account called a Wealth ReserveTM to show how to invest for long-term growth. This Wealth ReserveTM can provide $160,000 annual income for life with NO income tax. This Wealth ReserveTM can provide real "lifestyle" security. This Wealth ReserveTM can self-insure and self-fund financial needs saving $3,000 every year. This Wealth ReserveTM takes advantage of the 'miracle' of compounding-$250 a month becomes $2,000,000 over time. Most couples have money problems that YOU can help them solve As a counselor, you know that the pace of change has quickened. Older generations went to work in a growing economy that provided a decent living for anyone with 12 to 16 years of general education. Some of them were even given a guaranteed retirement income. They receive Social Security too. They did not need to understand how saving and investing worked long-term. All that has changed. We have to prepare folks for the new world