Dear HBW Associates,

As 2009 draws to a close, I wanted to take the opportunity to communicate with everyone about where we've been and where we are headed. While 2009 had its challenges due to the current economic environment, we are positioned to have an exciting year in 2010. HBW is financially stable and will be working to become even stronger during the coming year. The opportunity to excel in our industry is more apparent than ever. The playing field, so to speak, appears to be thinning, in conjunction with a continually greater number of families to serve by protecting their income and assets and helping them make their financial goals a reality. Families need someone they can trust to assist them in all the areas of their finances, such as life insurance, education savings, retirement planning, debt and asset management and more. We know that we are able to offer among the best and most competitive products in the marketplace. If you are a person that is worthy of this trust who is willing to work hard, the opportunity at HBW is unparalleled. Further, in addition to all the new people entering our industry through HBW, we continue to attract and retain many top financial professionals, which keep the Company in a strong position for substantial growth in the future. Not only can someone reach their goals and make their own dreams comes true at HBW, they can actually help other people attain their goals and dreams at the same time – how wonderful is that?

At HBW, we offer Real Hope, Real Opportunity and Real Freedom for Real People. We believe that there is no better place than HBW for someone who wants to be in our industry and there is no better time than right now. So, it comes down to each and every one of us. What will 2010 and the next year and decade hold for us. The answer lies within each of us. Will we make the decision to become the leaders and success stories that we know we are capable of being, or will we acquiesce to the fear, uncertainty and mediocrity that drags down those unwilling to fight for their place among the doers and winners who see a bigger world for themselves?

The world is filled with those that just want to "sell" a product, generate a commission with little regard for what they may be perpetrating on an unsuspecting client desperate for any advice they can find. My view, however, is that if you are reading this, if you are here with us at HBW, you see yourself as special, important and someone who wants to make a big and unique difference in the world. You can see yourself as a leader, a winner, as someone intent on being a difference maker, someone not just interested in selling a product but someone who wants to change people’s lives with what you do. At HBW, you are with a group of people who feel the same way. Together, we can make the next year and the next decade the HBW decade in financial services, bringing the great products, services and passion for doing what is best for the people that need it the most—the vast underserved middle-American markets which need us now more than ever.

Let's make this moment in time, this opportunity, this coming year and decade be the greatest ever for all of our families and all those families that will continue to make the decision to become part of our cause, bringing Real Hope, Real Opportunity and Real Freedom for Real People. Happy New Year to everyone and best wishes for a healthy and happy 2010!

Barney Hellenbrand
President and CEO, HBW Insurance & Financial Services, Inc.

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"Helping Build Wealth" ®