Key Goals:

• Expand Distro-Hubs to 50-75 locations across major regions.

• Officially launch PGK Capital (Lending Division) and PGK Real Estate Holdings.

• Introduce controlled policy loan usage to fund targeted growth projects.

• Scale International Language Offices (ILOs) alongside Distro-Hubs based on community demand.

Step 2: PGK Capital (Lending Division) Goes Live (Year 3)

✅ Provides business loans to Specialists, Team Captains, and Directors at competitive interest rates.
✅ Keeps financial power within PGK’s ecosystem instead of using third-party lenders.
✅ Gradual rollout strategy to avoid overleveraging capital reserves.
✅ Explore IUL and Whole Life Policy Cash Value strategies to fund ILO expansions where needed.

Step 3: PGK Real Estate Holdings Launches (Year 3)

✅ Begins acquiring office properties for hubs, using policy cash value.
✅ Hubs transition from renting to leasing PGK-owned spaces, ensuring long-term asset growth.
✅ Steady property acquisitions to match hub expansion rates.
✅ ILOs secure community-focused locations within key hubs to establish a strong local presence.

Step 4: Gradual Policy Loan Usage to Support Expansion

✅ Controlled borrowing (≤10% of available cash value) to fund new hubs, real estate, and leadership incentives.
✅ No reckless borrowing – Expansion is directly tied to revenue benchmarks.

📌 Outcome:

• Growth remains self-funded, debt-controlled, and scalable.

• Leadership retention improves through performance-based bonuses and ownership incentives.

• ILOs create a significant financial impact due to their strong community loyalty.

---