Financial Destinations Inc. (later FDI International) is a privately held company, founded in 2003 and headquartered in Windham, New Hampshire. It was founded by William Andreoli, now CEO and President of the company.

Known in its first years as a financial education company, FDI had the stated mission to “Stamp Out Financial Illiteracy Across the Country”. It was one of the companies that used an MLM business model to offer financial education and training. This training included issues such as fiscal responsibility, real estate, stock market speculation, cashflow management – all of these were meant to educate FDI members on their way to financial freedom.

Naturally, there was an income opportunity attached as well, where independent FDI reps could sell FDI’s products and services and generate a residual income for themselves, as well as educate and lead their own sales team or organization.

The FDI compensation model was based on 3 streams of income: 1 – fast start bonuses, designed to reward FDI reps for personal sales activity, which would double with the enrollment of 3 new reps in any given calendar month; 2 – leadership bonuses, which were based on the growth of the organization and got bigger when another leadership level was reached; 3- residual income, a monthly commission on each member of the team.

The reason we are using past tense here is that the company has undergone serious changes. The owner of Financial Destinations Inc., William Andreoli, has teamed up with Kuba Fabiarz, owner of GIConnect, a 16-year old telecom company that is said to have been functioning in 62 countries and to have had over 800,000 representatives. …The result? FDI International, a company that aims to get involved in 7 areas of telecom, as they say: landlines (home and business), wireless/cell, long-distance, international calls, calling cards, internet and corporate solutions.

Their plan is to help their customers save 50% or more on their phone bills. Having the global experience of GIConnect, FDI International is planning to launch in 60 countries at the same time. Their main product seems to be the FDIVoice (hands free and service), which allows you to convert voice messages to text messages, so you can avoid texting while driving, to make calls or send e-mails using voice commands, or have your e-mail read to you via a voice application. Other products include affordable smart phones for their customers, that are exclusive to the company (mobile), Multi-line voice phones (fixed) with global connectivity, VideoPhones with connection to big-screen TV’s or computer monitors and free international calls between FDI Video Phones. Their future plans include support for calling while travelling via airplane. With these products they hope to gain a market unparalleled before. They also aim to have no taxes on the phone bills and services, no credit checks and no tying contracts for their services.

As for the FDI International compensation plan, it resembles in some points the initial FDI plan, but seems to be greatly improved. They are boasting now multiple income streams: apart from the already known Fast Start and Double Fast Start Bonuses, a 50% Matching Fast Start Bonus, Advancement Bonuses, 4 levels of Matching Residual Income and that is not all.

FDI International is indeed full of promises. Let’s see if they can live up to them. As with any new business (even if the company is not new), you run certain risks, which is up to you if you want to assume. One certain thing is, however, that such an MLM business cannot be conducted in the old school fashion. You’ll have to promote the opportunity online, by taking advantage of the power of the internet to expand your team, and in order to do this, you have to get good online marketing tools and strategies. These are not easy to acquire, but not really difficult either, if you find a skilled marketing mentor who is willing to guide you. And if you do acquire these online network marketing skills, you can use them for the future in any other MLM business that may peak your interest.

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