Partnership Proposal · March 2026

Transforming LLQP Outcomes for World Financial Group

Adaptive learning that turns recruits into licensed agents — faster, smarter, and guaranteed.

WKT × WFG

Prepared for Rick William, Lordan Lordanov, Dave Shin · Confidential

01 · Who We Are

Deep Expertise in High-Stakes Regulated Training

WKT isn't a new player. We're the evolution of Canada's largest high-stakes exam business.

Our Heritage

Formerly Yardstick Testing & Training — Canada's largest high-stakes exam provider
Sold the testing business, rebranded training division as We Know Training (WKT)
Decades of experience in regulated, high-consequence environments
Deep understanding of compliance, auditability, and learner outcomes

What This Means for WFG

We understand the stakes — licensing isn't optional
We've built systems that withstand regulatory scrutiny
We know how to move fast in complex environments
We're obsessed with outcomes, not just course completion

Our Track Record

Insurance licensing (BCC, RELO), financial services, aviation, healthcare, skilled trades — all environments where failure isn't an option and compliance is non-negotiable.

02 · Current State

The LLQP Problem Nobody's Solved

WFG recruits world-class talent. But the licensing process is bleeding opportunity.

60,000

Annual Recruits

12.5%

Pass Rate

52,500

Failed Candidates

$26M+

Wasted Recruiting Cost

What This Means

For every 8 people WFG recruits and invests in, 7 never become licensed agents.

That's not a training problem. That's a business problem — and it's costing WFG millions in unrealized revenue every year.

03 · Our Proposal

A Program That Disrupts the Industry

Not just better content. A fundamentally different approach to LLQP preparation.

1

Adaptive Learning Engine

AI-powered system that learns what works, identifies knowledge gaps in real-time, and adjusts difficulty to keep learners in the optimal challenge zone.

2

Identity Verification

Secure, compliant identity verification ensures the person taking the course is the person taking the exam — protecting WFG and regulators.

3

Verifiable Credentials

Blockchain-backed credentials that prove completion, timestamp progress, and create an auditable record that regulators trust.

The Outcome

A LLQP program that doesn't just teach content — it guarantees readiness, proves compliance, and dramatically improves pass rates.

04 · Technology

How Adaptive Learning Works

This isn't a linear course. It's a learning system that responds to each individual.

Traditional LLQP Courses

Everyone gets the same content in the same order
No way to identify struggling learners until it's too late
Pass/fail is binary — no intervention
Completion ≠ readiness

WKT Adaptive Engine

Learns from every learner interaction across the platform
Identifies weak areas and adjusts in real-time
Predicts readiness before the exam
Intervenes early when learners are at risk

Live Demo

[Nick will demonstrate the adaptive learning interface here]

Show: question difficulty adjustment, knowledge gap identification, readiness scoring, intervention triggers

05 · The Business Case

The Revenue Impact of Moving the Needle

Conservative assumptions. Defensible math. Enormous upside.

Key Assumptions (Conservative)

Annual WFG Recruits: 60,000

Current Pass Rate: 12.5%

Cost per Recruit: $500

First-Year Gross Revenue per Agent: $5,000

WFG Override/Share: 30%

Revenue to WFG per Agent (Year 1): $1,500

Pass Rate	Licensed Agents	Incremental Agents	Incremental Revenue (Year 1)
12.5% (Current)	7,500	—	Baseline
14%	8,400	+900	+$1.35M
16%	9,600	+2,100	+$3.15M
18%	10,800	+3,300	+$4.95M
20%	12,000	+4,500	+$6.75M

What This Means

Every +2% improvement = ~$1.5M in additional first-year revenue.

WFG already paid for these recruits. The recruiting spend doesn't go up. You're converting sunk cost into revenue.

06 · Next Steps

Let's Move Forward

WKT moves fast for partners who commit. Here's how we get started.

1

Alignment Call

30-60 min deep dive on WFG's specific needs, compliance requirements, and timeline expectations.

2

Pilot Design

WKT builds a limited pilot for a cohort of WFG recruits — measurable, time-bound, low-risk proof of concept.

3

Full Rollout

Based on pilot results, scale to full WFG recruit population with performance guarantees and ongoing optimization.

Ready to Solve the 12.5% Problem?

Let's turn WFG's recruiting investment into revenue growth.

Questions?

This is your time.