HBWcul.ture (n)

shared beliefs & values of a group

it matters because…

a great culture attracts great people

A great culture helps people deliver their best work

culture happens anyway

so…

why not create a culture we all can love!

why not build a dream company?

a place we areproud to call ours!

the world has dramatically

changed!

money matters most

some still think…

money matters mostthe internet hasn’t been invented yet

some still think…

money matters mostThe internet hasn’t been invented yet

awesome people arelucky to have a job

some still think…

we don’t

news flash…

at HBW, we try to be different

how you ask?

This is about who we are and also, who we want to be!

at HBW, we try to be different

we are building a company you will love!

what is our culture you ask?

again, great question

you’re really good at this!

we are obsessed with our mission &

values

we solve for the delight of our

clients

yes, we just used the word “delight”

we choose to be awesome

why wouldn’t we, right?!

we invest in mastery and value

we constantly look for better ways

HBW mission“pursue something so important

that even if you fail, the world is still better off.”

-tim o’reilly

HBW mission

the most respected distribution in any industry, period

the premier provider of the best guidance, advice & service to our families, businesses, community & nation

visionour vision is simple and clear at

HBW…financial security for all

Americans…

HBW values 

people first, compassion, integrity, character, discipline,

performance, perseverance, and patience

quick question:

did we just perfectly describe you?

delighting our clients

yes, we used the word “delight” again!

delighting our clients

we want to transform how advisors engage, attract &

“delight” their clients

delighting our clients

we want to create an experience people love and appreciate

that “wow” experience

ours is a noble cause

ours is a noble cause

we provide important solutions for people to achieve their

American Dream and support their causes.

ours is a noble cause

congruently we provide awesome solutions to advisors

to assist them in helping clients and themselves achieve

all their dreams

how have we done so far?

our commitment to our mission has earned us the love and

respect of many loyal clients & advisors

how have we done so far?

our commitment to our viability has allowed us to stay in

business, prosper and grow during unbelievably

challenging economic times

balancing mission and viability ischallenging

this desire to seek balance is also what makes us different…

balancing mission and viability ischallenging

…and sometimes creates conflict

we know balance is achieved

through focusing on…

we know balance is achieved

through focusing on…

creating a client experience like no other

we know balance is achieved

through focusing on…

creating an advisor experience like no other

we know balance is achieved

through focusing on…

delighting clients, partners and advisors

we know balance is achieved

through focusing on…

delighting our partner companies and carriers

(overkill perhaps? not to us!)

delighting clients and partners is Job

#1therefore:

we only want to work with clients and partners that we expect to delight.

hence, we shouldn’t work with clients or advisors we are not confident that we

can delight.

we believe in teaching, not

sellingwe believe that success comes from educating clients and advisors, not

exploiting them

we believe that power is gained by sharing knowledge, not hoarding it

we choose to be awesome

we trust ourselves and our partners/advisors

we don’t make policy for minor mistakes in the past

we don’t penalize the many for the mistakes of a few but,

we do protect against the really big stuff.

we have a three-word policy that

drives almost every decision

use good judgment

what is good judgment?

team > self (favor the team over yourself)company > teamclient > company (acting in a client’s best interest is in our best long-term interest)

so…how do we get “there”?

with openness and trust

we are unreasonably picky about our peers.

“the single most important factor in business or any other relationship is with whom you choose to associate. you care about who your kids play with, you should care as much about who you play with.” -barney hellenbrand ceo, HBW partners

we place high value on five

attributes of an HBW candidate,

employee, partner or advisor

are you humble?

c.s. lewis said that “humility is not thinking less of yourself, it is thinking of yourself less.”

in good times, humble people tend to share the credit and in bad times, tend to shoulder the responsibility.

are you effective?

gets things done, makes things happen, moves the needle, has measureable results,

adds value.

are predisposed to doing, taking ownership and responsibility, are resourceful, engaged,

creative.

are you adaptable?

we recognize that change is constant and inevitable. every client, partner and advisor is in an ever-changing environment as our world seemingly spins faster and faster.

are you remarkable?

a quality about them that makes them stand out from the crowd; smart, creative, kind, resourceful, effervescent, a uniqueness that makes them special.

are you transparent?

open and honest with others and themselves. trusting and trustworthy. an open book, not secretive, sneaky or subversive. someone you know will tell you how it is without having to concern yourself with some agenda.

we align with people with h.e.a.r.t.humble

effectiveadaptableremarkabletransparent

these are the people who will help us create a company we love.

we align with people with h.e.a.r.t.

we take this so seriously, we would rather not be in business than work with people who lack h.e.a.r.t.

we invest in mastery and market

valuewe want to be as proud of the people we build as the company we build.we believe in investing to increase each of our individual partner’s and advisor’s market value.how? ongoing learning, broad exposure and unique experiences.

constant innovation!

we are on a never ending quest for better ways to improve every aspect of our business.the enemy of “great” is “good”. we do not except good as our status quo and continue to fight for “great”.we would rather fail trying than fail doing nothing.

this simple belief system is

embedded in everything we do

this is how we achieve

remarkable outcomes

from hiring to partner alignment

we simply won’t compromise

because compromising on

culture is debilitating to

long-term growth

so we don’t

neither should you

just know we are inspired by:

raymond berryHubspot

our partnersour home office team

mason connerour partner companies, carriers and vendors

the current economic environment

thank you for your valued time