World Financial Group (WFG) is an Insurance Agency. Locally, its team of Independent Agents specialize in and operate an Independent, Non-Securities Location (NSL) offering accumulation strategies as well as asset and wealth protection. Our mission is financial security in retirement planning and leaving no family behind. Byron Kelly and team start with financial education and free needs-based analysis of individuals, families and businesses. You gain access to Business Succession Planning helping mitigate risks, protect key employees, establish executive bonus arrangements, buy-sell agreements and more. We provide solutions that help business attract, reward, retain or deduct as they grow business. Byron and Team provide Annuities Strategies: Fixed Annuities (FA), Multi-Year Guaranteed Annuities (MYGA), Fixed Indexed Annuities (FIA) and Single Premium Immediate Annuities (SPIA). We offer multiple Life Insurance Strategies: Indexed Universal Life (IUL) Final Expense (FE), Return of Premium (ROP), Universal Life (UL), Whole Life (WL), as well as Long-Term Care Insurance (LTCi) Solutions to include hybrid LTC, Asset-Based and Linked Benefits and much more retirement planning tools. We serve Resident Foreign Nationals and Nonresident Foreign Nationals with NEXIS in USA and be in the United States at the time of application. Our Broker-Dealer, Transamerica. Our local agents hold active licenses that serve all Arizona, California, Hawaii, Nevada, Oregon, Washington and multi-states including most of the east coast for cross-bordered private clients.