SHIFT OS / NEW ADVISOR ORIENTATION01 / 07
ORIENTATION

WELCOME TO WHAT’S NEXT.

Your purpose. Your commitment. Your path forward.

A 20-Minute Conversation with Your Trainer
OUR MISSION

We empower people to make meaningful financial shifts—building healthier money habits, greater confidence, peace of mind, and a path toward financial independence.

We inspire personal growth rooted in faith, family, and service—helping people live with purpose, strengthen relationships, and make a positive difference in their communities.

Better habits. Better decisions. Better lives.
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YOUR COMMUNITY

Join “Get Your SHIFT Together”

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01 / Purpose

WHAT’S YOUR SHIFT?

Before we talk about schedules or compensation, let's talk about what you're building toward.

01What brought you to Shift?
02What would you like to change in the next 12 months?
03Who benefits when you succeed?
02 / Culture

THE THREE C’S. YOUR FOUNDATION.

Show up curious. Stay committed. Keep the conversation open.

01

Coachability

Be open to learning, practicing, and receiving feedback.

02

Commitment

Choose realistic hours and honor the time you commit.

03

Communication

Ask questions. Stay connected. Speak up when plans change.

We expect from you

Integrity, preparation, effort, and ownership.

You can expect from Shift

Training, coaching, honest feedback, and a clear path.

We don't all move at the same speed. We move in the same direction.
03 / Opportunity

YOUR IMPACT. YOUR INCOME.

Learn the business. Serve families. See what’s possible.

Life insurance

Educational illustrations only; not earnings guarantees. Actual payouts depend on carrier, product, contracts, eligibility, chargebacks and applicable splits. Licensed activity only.
Illustrative first-year advisor commission

Annuity

Illustrative gross commission, before advisor splits

Educational illustrations only; not earnings projections or guarantees. Actual compensation varies by carrier, product, contract, eligibility, chargebacks, and splits. Annuity gross commission is not advisor take-home pay. Licensed activity only.

04 / Optional agency path

BUILD SOMETHING BIGGER.

You can be a great advisor—or choose to grow an agency. It’s your path.

Building an agency is optional. When eligible, an agency builder may earn an override based on the spread between their contract level and a writing advisor’s level.

Explore the contract spread

Marketing Director
Associate
30 percentage points
Illustrative contract spread (builder minus writing advisor)

What could that mean?

Life insurance example
$288.00
Illustrative override using the premium and factor from the previous slide
Annuity example
$1,500.00
Hypothetical override if the same spread-based payout formula applies to the annuity's gross commission. Actual annuity override schedules may differ.

Overrides are separate from—not deducted from—the writing advisor’s contractual commission. Actual overrides depend on the applicable agreements, carrier rules, hierarchy and eligibility.

Optional growth path: After reaching the first $1,000 in net income, advisors may pursue recruiting and agency building, subject to applicable licensing, certification and approvals.

“I would rather earn 1% off 100 people's efforts than 100% of my own efforts.” — Popular business maxim; attribution uncertain.

04 / Your week

FIND YOUR RHYTHM.

AVAILABLE EVERY WEEKDAY

OPEN OFFICE HOURS · 10 AM–2 PM ET

Drop in whenever your schedule allows for questions, guidance, or a little extra support.

MON
Start the week strong. Stop by Open Office Hours when you can.
TUE
Study, coaching & Field Appointments.
OPTIONAL EVENING TRAINING
Term InsuranceFinal Expense9 PM ET
WED
SHIFT MAIN EVENT · 9 PM ET
Our weekly team gathering — make this a priority.
THU
Study, coaching & Field Appointments.
OPTIONAL EVENING TRAINING
IULAnnuities9 PM ET
FRI–SUN
Flexible study, practice & Field Appointments.
The more consistently you can participate and practice, the faster you can build confidence and move through the learning curve. Choose a realistic rhythm with your leader.
05 / Your next step

YOUR NEXT MOVE.

One clear action today creates momentum tomorrow.

Unlicensed

Start studying and schedule your Personal Financial Needs Analysis. Prepare for your licensing exam and Field Appointments once licensed.

Licensed

Begin contracting and essential setup. Schedule your Personal Financial Needs Analysis and discuss calibration appointments.

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