Discover the Proven Principles, Formula, Processes and Mindset you'll need to grow your results to $1,000,000 of Personal Income while taking 180 days off each year. 
My Pathway to Freedom™ Program for Seasoned and Successful Financial Professionals is conducted by me, Wayne Cotton, CLU
in my role as your Growth Guide.

Review all the video and print material on this page to understand critical elements for a better business model to enhance both your personal and professional lives.

What is Pathway to Freedom™?

Your Pathway experience launches with a live three-day Retreat with you, fellow attendees and me. Your Continuity Program is a one-year Mastermind Group to guide you and your fellow Pathfinders on key theories, tools, techniques and training that enhance your results.

The next Pathway to Freedom™ Retreat is
May 4th to 6th in Kelowna, BC, Canada.
Watch this short film from a previous Pathway Retreat:

You’ll hear from successful financial professionals that came to learn how to engineer an exciting transformation in their personal and professional lives. To view this video click on the arrow below.

The Pathway experience will open your eyes to your full potential, improve your confidence, help you close your believability gap, and give you a whole new view of your future. It’s like turning a kaleidoscope slightly to get an entirely new perspective of your ability to have a much brighter future.

Pathway to Freedom™ is about YOU and your growth in the Future!

You’ve come a long way. You’ve created a great practice and you are earning a good living. You have developed your know-how, skills and ability to make a significant difference for your clients, their families and their futures.

Yet something is still missing…

You've worked hard for a long time to grow your financial practice. While you have a good one, you know deep down inside that it is still largely dependent on you.

While your practice is going well, you still have to think about it all the time. It's constantly on your mind, often when you are doing other things including spending time with your family. 

You’ve got way too many responsibilities. You have some support staff, but you still feel you have to be in the middle of everything all the time. You are “it” way too much and it never ends. 

Sometimes you feel like a servant to your personality-driven financial practice, but secretly wish you could somehow create a process-driven business that actually serves you for a change.

Let me ask a few questions:

What if you could feel totally in control of your business and your business growth? And what if it served your personal life so well that you could fall in love with the business all over again?

What if you had the money and time freedom you want so you could go, do, and enjoy more of the things that are really important to you, with the people you love, at the places you love?

What if I could help you engineer that transformation?

What would the ultimate impact be if you took three days out of your life right now to re-design your business model to achieve an extraordinary outcome for you, your clients, your family and your future?

What if those three days could immediately put you on a new pathway that would re-shape your future and transform your capability from what you might think is ordinary to extraordinary?   The Pathway to Freedom™ Retreat will help you visualize and create a more effective business model that will lead directly to a more fabulous and exciting outcome in your personal life.

Think about it this way…

If you had to make a choice, would you rather have an exciting business and a boring life or a boring business and an exciting life?  I hope you didn’t have to think about that very long.

A process-driven business may sound boring, but it is actually quite exhilarating. That’s because a properly structured business can deliver what you really want…more profit, a higher degree of personal satisfaction and a more enjoyable personal life with far more time freedom.

Pathway will help you discover a new vision for your personal life

You may be living a life of success, but desire a life of more significance. You want to make a bigger difference and also achieve more balance in your personal and professional lives.

You want to accomplish your business success with less anxiety, more sanity, and higher levels of personal time freedom. 

In one of my Main Platform presentations at the Million Dollar Round Table®, I spoke about how it's so easy to lose balance. I said, “We scheme and dream and strive and drive to become bigger and better than we already are, but at what personal cost I ask you?” 

Pathway to Freedom™ will deliver an inside view of how to build a bigger, better business that contributes to your personal and mental freedom instead of destroying it. 

What you’ll learn isn’t rocket science; it’s Cotton Science!

Pathway to Freedom™ is about TRANSFORMATION!

Pathway is about the bigger picture of developing the right mindset, philosophy and principles. It’s about escaping the disaster of complicated sophistication and achieving what you truly want.

Pathway is about becoming hyper-focused on what you should be doing and staying out of the areas that rob your time, zap your mental energy, deplete your resources and cost you money. 

At Pathway you’ll do a deep dive on how the Five Principles of Growth™ apply to you in your situation today and you’ll see how they will continuously guide your growth in the future. 

You’ll quickly get a great read on what you need to start doing for your transformation and you'll also recognize what you need to stop doing right away. 

Armed with this clarity, you’ll be able to supercharge your business, while operating in that coveted zone of Mature Simplicity. 

A business is supposed to look after you, not the other way around. The ultimate goal is to develop a business that is substantial, sustainable, scalable and saleable.

The Pathway Retreat is an exclusive experience.  

It is not open to everyone.

I am looking for attendees who seriously want to make a difference in both their personal and professional lives. As you can tell from our content and from the feedback from attendees, Pathway to Freedom is a life-changer.

The process of engagement begins with a Confidential Pathway Survey in which you provide some background, including your current situation and the challenges that may be preventing your growth. 

And don’t worry. Just because you completed the survey doesn’t mean either of us is committed. It just means we can consider a phone call to visit about the value this transformational three-day event might play in your future. 

Then we’ll schedule a private phone call with you and me so we can explore your situation. By the end of our call, we’ll both have a pretty good understanding if coming to the Pathway Retreat is the right fit for each of us. 

Pathway is not right for everyone, so let's have a discussion to see if it might apply to you at the present time.

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Why Listen to Me? Here are 11 Good Reasons!

1.    I failed far more than most. I have a lot of wisdom about what NOT to do. By year 12, I was an extreme workaholic with eight stress-related medical illnesses. My business imploded and I lost everything. 

2.    Then a transformation began. Over the next 16 years, I created a successful process-driven financial services business. It evolved into a part-time endeavor that allowed me to do 9 times MDRT production in only 65 selling afternoons a year. 

3.    At age 49, I engineered a successful succession plan for my financial services business. Nearly 25  years later, it's still in the same location with the same name on the door. I am very proud of that legacy. 

4.   My other part-time business was a successful speaking and publishing business that included 65 mornings in the office, 120 days for travel and still allowed me to take 180 days off a year for my personal life.   

5.    I have had the good fortune of guiding thousands of financial professionals to much higher levels of growth. Today, I have far more ability to coach and guide than ever before. 

6.    Much of what I built is highly transferrable. My methods can help you see how you can build a more substantial, sustainable, scalable and saleable financial business asset. 

7.    My experience of building a successful process-driven financial business has given me a unique ability to understand what many industry speakers and coaches will never experience. 

8.    I have actually “been there and done that”. I have been in your shoes and I understand the struggles. I know what it’s like to fail and I also know what it’s like to succeed. 

9.    I can teach you how to use the right recipe with the right ingredients used at the right time. You’ll learn some practical insights and perspectives that you won’t get anywhere else. 

10.  Success leaves clues. As your “Growth Guide”, I can help you achieve far more than you may have thought possible. I will teach you model methods that will apply directly to you. 

11.  One more thing: I am currently a 44 year member of the Million Dollar Round Table®. I was a Life and Qualifying member of MDRT, Court of the Table or Top of the Table for 21 of my 28 years as a financial professional. That’s got to count for something. 

P.S. I don't say all this to impress you, but to impress upon you that I bring a level of expertise to the table that will help you create your own transformation to higher levels of growth. 

The feedback from our Pathway graduates validates that what you'll learn at Pathway to Freedom™ will have an immediate impact on your current and future success.

Listen to some more Pathfinders express their discoveries

In 5 minutes you’ll see the excitement and feedback from a variety of financial professionals in various stages in the business. My Principles of Growth™ apply to a wide variety of individuals. To view this video click on the arrow below.

Who comes to Pathway?

Attendees include developing advisors, seasoned and mature advisors, business partners, couples that work together and parent-child succession teams.

Some attendees want to break out of the House of Same so they can feel more proud of themselves, serve more clients and finish strong in their careers.

Others are in the House of Gain, doing very well financially, but they want to be in the House of Sane where they have more time and mental freedom that diminishes their stress and anxiety.

At our Retreat, you’ll see exactly how to implement my five powerful Principles of Growth™. You’ll have three days of amazing Blue Sky (strategy) time with me and a great group of like-minded professionals.

Pathway will be one of the most powerful learning and growth experiences you could possibly have. In just three days I’ll help you see how to put your vision and desire for money and time freedom on fast forward. 

Your journey with me doesn't stop there.  Your tuition for the Pathway Retreat also includes one year of paid membership in my  Mastermind Group.  More on this later. 

You will leave the Pathway Retreat with a variety of takeaways. Here are some examples that may apply directly to you.

Live events deliver IMPACTFUL learning experiences
Business Takeaways

The concepts and methods I will teach at Pathway to Freedom™ are extremely transferrable. You’ll see the need and importance of Mature Simplicity.

My Principles of Growth™ are universal, regardless of your current stage of development. We will dissect each one of the principles as you make decisions for your FreedomMap™. 

You’ll learn to focus more energy on your highest level of competence and confidence. You’ll review and discuss your current Capability Gap™ and how you can close it.  

You’ll receive a formal case study and client report from one of my cases that generated $80,000 of commission... more than 30 years ago. I will teach you the “3-M formula” that simplified my sales process and will do the same for you. 

We’ll focus you on how to stay on track with Model Methods and leave multiple methods behind. Your business processes will become more refined and more focused, reducing your efforts. 

You’ll get more dedicated to the concept of converting problems into procedures. You’ll clearly see that this is a critical element of developing a process-driven business. 

You’ll learn to assess the definable steps in your business process each quarter to identify what you can improve and what you can delegate to others. 

We’ll focus on the importance of creating standard operating procedures for your business and support team. The impact of this concept will save you tons of time and frustration. 

You’ll see how building a support and service team is a fabulous investment in your freedom goals. You’ll learn how my team paid for all my business overhead, yet had time to support me on my cases. 

You’ll learn how much easier it is to manage your business process, rather than your people. You’ll find it is easier to let go of more details and to let your people shine.  

You’ll see the wisdom of what I call “tandem team” selling. You may also see why you want to create a prep team and a clean-up team so that you can do what you do best. 

You’ll learn what I did to make sure clients were working with qualified people in the firm, instead of with me. You’ll see how I ended up with zero client service work and yet had very happy clients.  

You’ll see what I did that created a business that was a lot less dependent on me and a lot more focused in generating revenue without my personal or immediate effort. 

You’ll feel a lot more like a business person and a lot less like a financial practice manager. You’ll see that you can focus on what brings you to a much higher level of success and satisfaction. 

We’ll discuss the importance of the S-Curve and why you need to start the next one before this one peaks and then inevitably declines. I’ll divulge what happens when you wait too long. 

You will have an ability to feel more decisive and more in control using your FreedomMap™ document that you will create during the Pathway Retreat. 

You’ll learn the impact a process-driven business has on your succession plan. I’ll share what I did that enabled me to walk out the door with one check in hand.

Personal Takeaways

A mindset shift will happen. You’ll see how to accomplish far more and do it in a lot less time. You’ll know that you can make major quantum leaps by simply adjusting your growth formula.

You’ll feel more confident that you are on the right path and you’ll know where you are headed. You’ll feel more in control of your present and your future. 

You will learn how you can reduce your level of stress and anxiety and feel that the business is no longer running you. 

You’ll see how you can get off “spin cycle” and be a lot calmer. 

You’ll see how you can take a lot more time off and not feel guilty about it.  You’ll realize that the life you really want is right there in front of you. 

No doubt you’ll see why it is so important to make a higher commitment to your health and personal well-being. I’ll reveal what happened when I ignored this critical element in my life. 

You’ll learn how to finally get in the moment and why that is so important.  You’ll see how to get more calm and peaceful. And it won’t be a bunch of airy fairy stuff. 

You’ll focus more on the relationships with the people you love. You might even end up being a more engaged spouse, partner, parent, grandparent, leader, mentor and friend.

Psychic Rewards

There are many psychic rewards that can be realized as a result of designing and implementing a more amazing professional life and a better personal life.

You’ll feel more successful. You’ll know you are fulfilling your capability. You’ll earn more respect from your peers and gain more recognition in our industry. 

You will learn how the growth formula will make it possible for you to transition from MDRT member to Court of the Table, to Top of the Table and far beyond if that is what you choose to do.

With more time freedom, you’ll be able to develop more and better experiences with your family and those you love. This is about being mentally present instead of thinking about business all the time.  

With more money freedom, you’ll reduce your stress levels and contribute more time and money to your favorite charities or causes. You can make a difference for more people.  

What you will learn at Pathway to Freedom™ may save you years of trial and error trying to create the best business model for you, your family, your clients and your legacy.

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Our Pathway Retreat Format

I will be your expert “Growth Guide” throughout the Pathway to Freedom Retreat. We will use a mastermind or study group format throughout our event. I’ll present some content, give exercises to complete, form discussion groups, debrief findings and answer questions. It will be quite interactive.

The walls will be plastered with flip-chart pages as we learn and explore together. You will draw lots of conclusions as I divulge the process for building a more effective model business. Lights will go on! 

If your experience is like other Pathfinders, the first day may feel somewhat shocking or overwhelming. After all, to think of getting to $1,000,000 of personal income and 180 days off is a lot to absorb.

By the end of day two, after I reveal more detail on the Principles and processes that apply to them, you’ll see how the concept of Mature Simplicity will help you accomplish far more than you thought possible.

We are all so accustomed to adding on more and more all the time and things get complicated.  But when you see the power of structured mature simplicity, you’ll discover that success is a lot more about subtraction than addition. 

And by the end of day three, your vision will become very clear and exciting. You’ll fully realize how you can go from what you might think of as ordinary to extraordinary.

Your mindset will shift, your belief in your capability will grow and you’ll see the specific steps you need to take to implement the transformation formula you have been taught. 

Will your growth in the first year go all the way to the big numbers? Probably not, but it will most definitely improve. The direction you grow is based on what you want (money, personal time or a combination) and how quickly you want to achieve it. Some Pathfinders have taken 180 days off in their first year and their production has gone up a nice chunk. That alone is very exciting.  

Then the next year when they implement my process for simplified annual planning they are able to make a huge leap in production, still taking 180 days off.

Plus...One Year of Membership in the Mastermind Group

Your Three-day Pathway to Freedom™ Retreat is just the beginning.  I’ve created an exclusive  one year Mastermind Group Program just for Pathfinders. 

This Mastermind Group includes monthly online 90 minute group meetings where we drive deep on specific topics. Here are a few examples of the deep-dive topics we have covered in past meetings: Consistent Sales Activity, Accountability, Tracking and diagnostics, The CARE Program, Building Great 90 Day Strategies, Simplified Annual Planning, and Building a Tandem Team Program. 

I focus on a specific topic and then engage you and fellow Pathfinders with content with Q&A discussions.  The list of topics has also included Prune your Practice for More Growth, Get Your Mind Right, Achieving Velocity, The Balancing Act, Fidelity to your System, The Bottom Half, Dump the Junk, Creating the Value Stream, Achieving Clarity, Reverse Engineer Your Success, and many more. 

The Mastermind Group delivers information, implementation, continuity and a community for you and fellow Pathway participants.

Let’s Summarize

If you have reviewed this content and watched the videos on this web page, you have a pretty good understanding of how much impact the Pathway to Freedom™ experience can have on your personal and professional lives.

It’s all about the word “Freedom”. 

Freedom means different things to different people. What you want to do with your time and money is entirely up to you. 

One of our Pathway attendees was a pastor before he became a financial professional. When discussing Pathway with me, he said, “Wayne, we don’t need that kind of money. We live a pretty simple life and our mission is to serve the needs of others.” 

I explained that “Your income is just a small fraction of the value you deliver to your clients. It isn’t about you. It is about delivering more value, fulfilling your capability while serving others”.

I explained that by learning the formula and process leading to a 7-figure income that he could help many more clients and with his new found resources of time and money, he could make a much bigger difference in the world.

In summary, my job is to teach you the formula how to accelerate your freedom. Your job is to decide what you want to do with it.

Let me be your Mentor and Growth Guide

You realize by now that I have a unique specialty in that I know how to guide people through five proven Principles of Growth™ that I have worked with for more than 25 years.  

Pathway wasn’t some magical brainwave that all of a sudden hit me. It slowly developed over an extended period of time as a result of a myriad of challenges, constraints and problems. 

I worked to convert these issues to processes and solutions. These were tried, tested, tweaked and tuned until they were locked into place as repeatable processes that generate predictable results. 

I am well known for the creation of theories, tools, techniques and training that have evolved into turnkey systems that work. I am also known for right brain visual concepts that are easy to understand. 

In addition, I have created a significant number of one-page plans that help to make difficult and complex issues simple and clear. 

My experiences, credibility and results back up the value of what I teach. My personal success story as a financial professional is very well documented within our industry. 

What I teach is transferable. I can guide and mentor you on the Freedom Formula. If you believe I am the person to help you, then get on board. Be an action taker, not a procrastinator.  

I can save you literally thousands of hours of time in research and experimentation time that you might invest into developing the mindset, principles and processes we’ll teach you in the 3-day Pathway Retreat and follow-up mastermind group.

Think of the money you might waste without the clearly defined mindset, motivation, model methods and mechanics I’ll teach you in the Pathway to Freedom™ program. 

I spent a ton of time and money going up and down a lot of garden paths along the way to discover my knowledge and understanding. 

By transferring my knowledge to you through live events, online training, and follow-up mastermind programs, you’ll get where you want to go far sooner than you might by going it alone. 

The good news is that you can get there without the massive investment of time, money and mental chaos. 

Don’t to be a do-it-yourselfer! 

You don’t have to reinvent the wheel. It's already done, proven and packaged for you to use. You just need to learn and implement the step-by-step processes to make it happen. And you’ll have me and a group of fellow Pathfinders as active resources for your journey.

Your Pathway To Freedom™ Journey Begins Here!

Your Pathway to Freedom transformation starts when you complete the Confidential Pathway Survey in which you’ll provide some background on your current conditions, constraints and challenges that may be stunting your growth.

It is helpful for you to clarify those issues, but your Confidential Survey will also let me know you are interested in making some positive changes in your situation. 

And don’t worry. Just because you completed the survey doesn’t mean either of us is committed. It simply means we will schedule an exploratory phone call. 

We’ll visit for the better part of an hour, just you and me…to discuss your situation, your constraints and your opportunities. We’ll also talk about some strategies.

I’ll answer your questions about the Pathway to Freedom™ format and program. We’ll also discuss if Pathway to Freedom™ is the right event for you at your current stage of growth.  

It is also important for me to feel that you are a great candidate for the Pathway Retreat and the continuing work we’ll do with you. This commitment has to be a two-way street. 

If you are accepted and invited to participate, we’ll figure out the financial part together. 

We’ll discuss tuition options to figure out the best one for you.

Your Pathway Journey Continues

Of course the big transformation will take place at the Pathway to Freedom™ Retreat as you listen, learn, contribute and discuss your conclusions with your peer group.

You'll also consistently work on your FreedomMap™ which contains your notes and implementation plans on how to make your personal and business transformation.  This is a great resource to help you implement what you learn at Pathway. 

You’ll get to know some other successful advisors who are just like you…serious about their future. You’ll meet like-minded people that you can relate to and connect with in the future. 

You’ll forge some solid relationships with others who are committed to the same mindset, principles and processes that pave their Pathway to Freedom™. 

It all adds up to a TRANSFORMATIONAL experience for you!

The Pathway Retreat is not open to everyone

I am looking for attendees who seriously want to make a difference in both their personal and professional lives. As you can tell from our content and from the feedback from attendees, Pathway to Freedom is a life-changer.

I do my best to handpick the right people to participate. Qualities usually include a teachable spirit, a desire to change, open to learning and applying what you learn, is growth-oriented and plays nice with others.  

In order to keep our program at the highest level of value, I personally interview all serious candidates before inviting them to the Pathway Retreat.

Pathway Dates

Pathway to Freedom™ will run from Monday, May 4th through Wednesday, May 6th.  You’ll need to arrange your flight so you can arrive at the hotel by 4:00 pm Sunday, May 3rd, (the afternoon before Pathway begins). Then you’ll arrive in time for our opening dinner with you and your fellow Pathway attendees.  

During Pathway we’ll be working together in our Cotton Coach boardroom facility. This will be a great growth experience, perhaps the most impactful one of your whole career. You’ll connect and communicate with other financial professionals that are also eager and motivated to experience balanced growth in their personal and professional lives   

Don’t plan to fly out too early on Thursday morning as we‘ll have breakfast together to discuss our next steps and action plans. Some Pathfinders have stayed an extra day to debrief their Pathway notes and do some strategic thinking before heading home.

Pathway Location

We’ll all meet for three days in Kelowna in the beautiful Okanagan Valley of British Columbia, Canada.  It’s an amazing part of the world with beautiful lakes, exclusive golf courses, world class ski hills, many types of orchards, fields of hilly vineyards and award winning wines from over 150 wineries.

More Details

Once you have had the discussion with me and have been invited to Pathway, we’ll provide you with a web link to a lot more information on the logistics and details for the Pathway Retreat.

Spouses are welcome and if you are on Tuition Plan A, there is no charge for meals for spouses.   Along with our hard work, we’ll also have a lot of fun. This is wine country, so most likely, we’ll visit a winery. You’ll get to know the other Pathfinders who have been handpicked to be at Pathway. Friendships will unfold and contact information will be traded. 

We’ll be together for breakfast, lunch and dinner each day. Cotton Coach picks up the tab for the food and beverages during our meals together.

Let’s Get Started… 

NOTE: If you know the Pathway Retreat transformational experience is important to your future, but the May dates are impossible, complete a survey anyway so your intentions are on file with me. Just make a note on your survey to let me know.

This is a small, exclusive group event. Seating is limited.

Complete this short form to get immediate access to your Pathway Survey and then, we will schedule our phone call.

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I am very excited about the possibility of being your Growth Guide on your Pathway to Freedom™. Your success is our success.

Wayne Cotton, CLU
CEO Cotton Coach Inc. 
Growth Guide to Advisors

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