"If you aim at nothing, you will hit it every time." -Zig Ziglar

When it comes to personal finances, building lasting wealth, and creating financial wellness, the majority of Americans today are clearly “aiming at nothing.” According to recent surveys: 50% to 70% of Americans report they are living paycheck-to-paycheck As a percentage of disposable income, consumer debt in the U. S. has increased from a very manageable 58% in the mid 1960’s to an overwhelming and disabling 140% today

In addition to daily financial troubles, when it comes to the most important wealth building objective of all, providing a dignified and meaningful retirement for ourselves, the statistics are even more dire.

According to recent surveys:


• 67% of Americans spend more time planning their vacations than they spend planning their retirement
• 50% of working Americans today have $0 saved for retirement
• 52% of working Americans over the age of 55 have less than $50k saved for retirement

Most Americans today never stop to think about the fact that retirement is the single most expensive item that we will ever purchase in our lifetime. Additionally, we will ideally spend one-third of our lives in retirement.

Unfortunately, in the coming decades, more and more Americans will be forced to postpone their retirement and most will be completely dependant on an already overwhelmed and underfunded Social Security system.

It is clear that the root cause of the above illustrated problems is simple. The average American worker today does not have a financial foundation.

This is where IBA comes in, with our vision of "Bringing Back the American Dream."

At IBA, we have a very simple Wealth Building philosophy: "What we want for ourselves, we also want for everyone."   The want in this case is a life of financial peace and wellness. At IBA, we define financial wellness as a state when "the matters of money become an enabling element of our life, and stop being distracting and limiting ones."

At IBA, we believe that it is simply not enough to provide our partners with a World Class Nutritional Product. We are also providing a revolutionary new Small Business Unit (SBU) model, that generates predictable and sustainable results.

You also receive a team of teachers, coaches and advisors that will assist you in building your business, and you will receive the educational resources and tools necessary for building a solid financial foundation.

At IBA, we have chosen to partner with an industry leader in financial wellness, the Financial Wellness Group™.

The mission of the Financial Wellness Group™ is to improve the financial strength of individuals, families, and organizations they work for through sound financial education and financial wellness solutions.

For more than a decade they have been providing financial wellness solutions based on their proprietary "Four Laws" principles. These principles break the complexity of money into four powerful, yet easy to implement steps that anyone can learn, and apply.

In addition, the Financial Wellness Group™ provides a web-based application for managing and tracking all of your business and personal finances, while implementing the "Four Laws" principles and building your financial foundation.

The application also provides a wealth of educational features to aid you in your financial wellness journey.