Redland RSL Information Session

Advert 140H x 110w.ai 1 21/10/14 5:52 PMAdvert 140H x 110w.ai 1 21/10/14 5:52 PM

Matching the needs of Senior Homeowners with those of working investors to create more Wealth and Financial

Certainty through the Secure Use of Residential Equity…

Our average client enjoys an extra $300per week Without Affecting the Pension

Who would like to remain in their own home over the next 15-20 years and receive an extra $300per week that does not

affect the pension and increases with inflation?

WHO ARE WEPosition For Certainty is a Queensland Based Company with Expertise in both Real Estate

and Financial Planning.

We specialise in financial solutions that enable homeowners over 55 to be able to afford to stay in their home, preserve their wealth and have more money for living.

Being a qualified Real Estate Agent, Financial Planner and Mortgage Broker and reviewing personal finances

since 2001, I understand the frustrations and dangers of conflicting and ambiguous advice.

JASON BENNEY-MORRIS

DIRECTOR

Beyond concerns about HealthNational Seniors have identified one of the biggest concerns

amongst ageing Australians to be…“How can I afford to remain at home, preserve my Assets and maintain an income that keeps inline with inflation to

last my full retirement.”

DID YOU KNOWThe Government can’t afford you?80% of retiree’s may be homeowners, however the

majority are asset rich and cash poor!

More than 65% are reliant on the age pension as their primary income.

The age pension is projected to blow out by 70% over the next 10 years from $39.5 Billion to $72 billion

Dollars

With the country already in the red, where is the money going to come from?

CURRENTLY 5 PEOPLE WORK TO SUPPORT EVERY PENSIONER OVER 65

OVER THE NEXT 25 YEARS THE BURDEN FOR TAX PAYERS WILL DOUBLE.

PROJECTIONS INDICATE THERE WILL BE ONLY ONE TAX PAYER FOR EVERY 2.7 PENSIONERS OVER 65

Prior to 1950’s Over next 25 years

Current Statistics(2010)

Tax Payer Supporting Retiree’s

Retiree Receiving Government Pension

WHO WILL PAY?

What Economic Changes are Inevitable?

Increases in GSTDecreases on income deeming exemptionsIncreases in Living CostsDecreases in Free Social ServicesIncreases in Financial UncertaintyDecreases in Real Estate Capital GrowthIncreases in Transportation costsInclusion of the Home in the means testDecrease pension from couple to individual

How do you feel about your financial future?

Are you concerned about funding your future Health and Aged Care needs?

TO CREATE WEALTH AND FINANCIAL CERTAINTY FOR

ALL GENERATIONSEnriching Lives through the

Secure Use of Residential EquityThe SURE Property Option©

Enriching lives through property

WHAT IS OUR GOAL?

What are the Options?

Are you Asset Rich and Cash Poor?

Is all your wealth tied up in your home? What are the traditional options?

• Asking family for help• Taking in a boarder• Downsizing• Reverse Mortgage• Moving Abroad

THE PRESERVATION OF HOME OWNERSHIP IS FUNDAMENTAL TO THE FINANCIAL WELL BEING OF OUR

AGEING POPULATION AND THE ECONOMIC STABILITY OF OUR COUNTRY

THE EQUITY RELEASE MARKET IS SUBSTANTIAL & GROWING

EXPONENTIALLY.

2014

2013

2012

2011

0 10 20 30 40

?8% Growth

10% Growth

12% Growth

Pensioners need access to Equity to Consolidate Debt, Supplement Pension Income or Maintain/Repair the

House or Car

What is The SURE Property Option©

Is a long term financial solution that keeps the homeowner in control of their most precious asset

There is no accumulation of debt against the home or interest rate risks

Enables Homeowner to remain in preferred home for next 15-20 years with existing equity preserved

Provides a Fixed reliable income regardless of the performance of financial markets or real estate to enable a better quality life

Is Financial Certainty for a senior homeowner a good thing?

We enable a senior homeowner the ability to exchange the uncertainty of the future increase in property value in return

for a fixed reliable income.

SMSF investment Long Term Capital Growth

SURE Property Option Equity Preserved

Cash Flow For Living

Pensioner Controls and Owns Property Caveat registered to protect Investor

Capital Growth

Cash Flow

Equity Preservation

WE MATCH THE NEEDS OF TWO SEGMENTS OF THE

POPULATION

Enriching lives through property

HOME OWNERS OVER 55 YEARS OF AGE Total Assets worth less than $300,000 outside the value of their own home

Property Values Between $200,000 and $1,000,000

DOMESTIC RESIDENTIAL PROPERTY INVESTORS

Investors with limited Savings/Equity looking to participate in Capital Growth of Premium Property locations

Require $20,000 for Direct Investment or $40,000 for SMSF Participation

HOW WE SOLVE PROBLEMSEnriching Lives Through Property

PROTECT We assist Seniors to Protect and Remain in their Own HomeBetter Alternative to a Reverse Mortgage or Downsizing

1P

PRESERVE We Assist Seniors

Preserve Home EquityWith NO erosion of existing Equity, Capital is Preserved for Future Financial needs.

i.e Aged Care or Family P2

EASY INVESTOR PARTICIPATION Low Risk Premium Property Investment NO Bank Deposit or FinanceNO Stamp Duty or LMI. NO Interest Rate/Tenancy RisksInvest Direct or Superannuation

I4 PROVIDE

We Increase Cash Flow to Meet Lifestyle Needs Today

Cash Flow TODAY Exchanged for the potential capital growth

of Tomorrow. Keep your home, preserve your

equity and meet your financial

P3

PROFESSIONAL ENDORSEMENTS

“ With more than 20 years experience as a CPA and Auditor, I can see the SURE property Option being a tremendous option for both Senior homeowners and working investors.”AUDREY DAWSON - CPA SPECIALISING IN SMSF AUDITSDIRECTOR - SUPER CONFIDENCE

“As a financial planner I see many clients that have delayed the importance of a sound financial plan. The SURE property option is definitely a option that gives senior home owners more financial certainty. ” JAMES HOWARTH - CERTIFIED FINANCIAL PLANNER

“Dealing with estate planning on a day to day basis, I see many clients with concerns regarding the preservation of capital and meeting their future needs. This is one option that can give Financial Certainty.”PETER McCARTNEY - Lawyer

ARE YOU LIVING THE LIFE YOU DESIRE AND DESERVE?

What is the Next Step

Imagine your life with more financial certainty and independence.

You can afford to do the things you love!

Book an Obligation Free Chat with one of our Consultants

COMPANY DIRECTORBy Matching the Needs of Senior Homeowners with

those of working investors we can preserve the Australian Dream of affordable homeownership for all

generations of Australian’s.”

“We stand to enable Senior Homeowners the Affordability to stay in their homes, Preserve Equity and have more money to meet the

financial needs of Today and Tomorrow. The SURE Property Option Provides Investors to participate in the

capital growth of property with less risk and no need for Large bank deposits or Finance.

“We Enrich Lives through Residential Property”

It is only through such strategies that WE believe Domestic ownership of Residential Property can be preserved for everyday Australians and The Australian Dream of Home Ownership kept

Alive for Future Generations of Aussie Families.

JASON BENNEY-MORRIS

DIRECTOR

THANK YOU FOR YOUR TIME

Please let us know if you have any questionsMore information can be found at www.positionforcertainty.com.au

Ph: 07 5576 8557

Enriching lives through property