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4/3/18 Good evening! My name is Brennan Sizemore and my colleague Tho Tran who are here tonight are financial educators at WFG/WSB office at 1221 Dyer Road, Santa Ana. The reason I am here today is to share with you about our National Campaign for Financial Literacy to have 1 million financially educated families by 2020. As you may know, April is Financial Literacy Month which was recognized in 2004 by Senate resolution 316 "to raise public awareness about the importance of financial education and the serious consequences that may be associated with a lack of understanding about personal finances. This resolution was an effort to highlight the importance of financial literacy and teach Americans how to establish & maintain healthy financial habits. As of today, these principles are still relevant. "According to recent survey, North Americans are facing serious challenges. The US picture is even gloomier. • 33%, or more than 77 millions of Americans don't pay their bills on time. • 39% carry credit card debt from month to month. • Only 59% of adults say they have savings. Every day, 10,000 of Americans turn 65. Many of them did not prepare enough for retirement. The good old days of pensions are disappearing and government programs such as social security are under threat. The cost of housing, living expenses and health care are close to unaffordable for most. A family of four with an annual income of $84,450 or less now qualifies as low income in Orange County. After two severe recessions in 2001 and 2008, the first decade of the millennium was a lost decade for so many families. Although the U.S economy is recovering, the aftermath continues. What you see with the market this week is also unsettling and many of us are not educated on what to do.