Joining World Financial Group (WFG) typically involves initial onboarding and licensing fees rather than a massive upfront capital franchise investment, though costs vary based on state licensing requirements, background checks, and study courses. New associates generally pay modest fees for foundational training materials, registration processing, and back-office platform access, followed by ongoing subscription fees for software tools and compliance support. Because WFG operates on a multi-level marketing and independent agency distribution model for financial and insurance products, associates choose how much capital to invest in professional development and marketing as they build their independent agency businesses.