Freedom Through Property. The simple system that puts you in control of your financial future & creates your freedom in the next 7 to 10 years.

Transcription

1 Freedom Through Property The simple system that puts you in control of your financial future & creates your freedom in the next 7 to 10 years. 1

2 A Personal Message from Riezel Kinsella Wealth Advisor, Property Investor and CEO of Riezel Kinsella Realty Group Hello and Thank you for Requesting This Information If you re like most of us, you d love to be financially free one day. But the scary thing is that for over 90% of Australians, this is a dream that will never come true; we re told that by the age of 65, 9 out of every 10 Australians are either dead or dead broke. In many cases it s got very little to do with how much money they ve earned throughout their working lives or their extravagant lifestyle and excessive spending. The fact is most people spend their entire working lives working to make a living that they don t have the time or knowledge to create the life they re dreaming about and end up living on pennies. My Name Is Riezel Kinsella and I ve had the great fortune of working with hundreds or Australian families from all walks of life some very wealthy, some doing okay and others on the brink of financial disaster. I ve watched more than enough people go through financial difficulties, bad times and even bankruptcies. I ve also seen a tremendous number of successes, happiness and prosperity and people living their dreams and enjoying their retirement years. Are they just lucky, were they in the right place at the right time or have access to knowledge, resources and information not regularly available? Would you like to know what the common denominator in the overwhelming majority of these success stories is? Of course you do, but first there s a question I d like you to answer. What Is Your Idea Of Financial Success? Define it clearly and be specific, if you need more room we ve left some blank pages at the back of this guide. Do not continue until you know exactly what financial success means to you. So what is it that makes a handful of Australian s financially successful when there is so much failure, struggle and financial misery? 1

3 Did you do it already, or did you cop out & say that you ll get back to it? See, this is a little test to find out if you have what it takes to be financially successful. Now let me explain why this question is so important. This is what separates the few that reach financial independence from the many who struggle their entire lives. It s called Clarity. Yeah, those who achieve financial success are not lucky; they re not smarter than you or have had more opportunities. No, all they did was spend a little time to get crystal clear on their financial goals and developed a plan to make it happen. Now, if you haven t already gone back and answer what your idea of financial success is go and do it now. You can thank me later In the following pages we ll dig deeper into this question and provide you with the exact strategy that ll guarantee your financial success within the next seven to ten years, no matter where your financial situation is right now. There s over 20 years worth of in the trenches firsthand experience and excess of $ in research contained within this easy to follow guide....so put on the kettle, turn off the phone & invest the next 10 minutes to change the direction of your financial success, you deserve it. 2

4 Working Hard For Money Or Having Money Work Hard For You? It s A Choice Most People Never Make Themselves One of the greatest financial educators of our time is a guy called Robert Kiyosaki. For those of you who ve never heard of him go out and buy his book Rich Dad, Poor Dad Well Robert created the Cash Flow Quadrant to help put your current situation into perspective and help select the right vehicle for your journey. What I want to do is to introduce you to Robert s Cash Flow Quadrant and then show you how I used this create my freedom and wealth. Ok, so if you haven t seen it before here s Robert Kiyosaki s Cash Flow Quadrant Most of us are in the left hand side of the quadrant, either Employed or Self Employed. Robert describes this side as his poor dad s side. On the right hand side is where he says is his Rich Dad s side. So what s the difference and how can we use this to select the right vehicle for us? The easiest way to explain the difference between the left and right hand side is this When you re an employee or self employed you re working hard for your money but when you re a business owner or investor you have your money working hard for you! It doesn t matter where you are on the Cash Flow Quadrant right now your aim has to be to become an investor if you want the freedom and wealth. You need to make the commitment to yourself that you re going to do whatever it takes to get your money working for you. See the reason that 96% of Australians retire to a life of poverty is they spend their entire life working hard for their money. It s a noble thing and exactly what we ve been brought up to do, but as soon as we stop working, the money dries up. 4

5 Basically 96% of Australians are slaves to money, Employee working hard but never getting ahead hoping that some day they ll get lucky and not have to worry about the future. The simple fact that you re reading this proves that you have what it takes to become one of the 4% of people who retire financially free. You re about to discover that it s not the big things that ll make the difference, but the small things repeated often that will set you free. We ve prepared this investor pack to help you define what it s going to take for you to create the freedom. You re probably going to be surprised as to how close you actually are to having your money work hard for you and living your life on your terms. I don t know about you but I ve always found it much easier to hit a target when I knew where it was. So what we re going to do now is work backwards to plan what living life on your terms is going to look like, then we ll work out what it s going to cost and finally we ll then work out how much income producing asset s you re going to need, ok? Self employed Business Owner Awesome, so let s get started If You Want To Go Somewhere, It Is Best To Find Someone Who Has Already Been There. Investor Robert Kiyosaki 5

6 Your Life, Your Terms Living life on your terms involves living each day exactly how you d like to, no compromises. If you were to live for another 40 years from today, you d have another days that make up the rest of your life. How would you like to spend these days? You re going to plan what we d like your lives to look like. Don t let the voice in your head tell you that you don t deserve anything or that you re being silly it s just trying to keep you where you are. Write everything that comes to you down, the more detail and the clearer the picture the more power you ll put behind making it happen. The first part of this little exercise has been designed to help you understand what freedom means to you. We ll get to the nice house, the new car and the holidays in a minute, but first let s get a clear picture of what you d like your days to look like. Ok Here s the question If there were no limitations or consequences, what would your perfect average day look like? Ok, so let s imagine for a minute that we ve waived a magic wand over your days and there are no limitations on what you have to do each day. You ve got all the money you ll ever need to pay for this day, the health and vitality to live this day and the time to enjoy it. Let s remove any geographic limitations, so if you re currently living in an inner city apartment but want to wake up on a remote beach, let s put you on the beach. This is an average day, one you re going to repeat over and over again for the rest of your life so we don t want to write down anything that s going to get you in trouble. So as tempting as it might be to write down that you want to party all night, sleep all day and have servants waiting on your every need it s fair to say that you ll end up either dead bored or just plain old dead if you lived this over and over again. Although this first section has been designed to focus on the experiences of each day, if owning something forms part of the experience, don t hesitate to write it down. 6

7 If there were no limitations or consequences, what would your perfect, average day look like? There are a couple of other points I d Like to make before we get into this exercise. Our sub conscious mind isn t very good at English and has difficulty understanding certain words. What this means is when you say I don t want to be broke your sub conscious mind interprets that as I want to be broke. Logically we know what we mean when we say I don t want to be broke but on a deeper level it confuses our sub conscious so let s keep it simple and always write things in the positive. Our sub-conscious focuses on the Broke part of the goal and you ll automatically start steering yourself to that which we focus our attention on so whatever you write down you need to make it positive. Also, when you re writing down how you d like to spend your days you need to write it as if it happened yesterday and today. Our sub conscious can again play tricks on us if we use soft words like I will or Maybe and will interpret this as something that doesn t really have to happen, so it ll distract you. However when you use strong words like I have or I am it starts to believe that you are already there which will make it a lot easier for you to achieve this life So again for the sake of our sub conscious mind let s keep things simple and write everything down as if it s already happened, ok. Ok, so let s get back to the question. 7

8 What Would Your Perfect Day Look Like? Where Would You Live? What Would Your House Look Like? What time would you wake up? What Would You Do in the morning? What would you spend the first half of you day doing? 8

9 What would you do for work? What would you do for family time? What would you do at night? What would your thoughts be as you went to sleep? What Else Would You Like To Do Today? 9

10 How Much Do You Need? Ok, so we now know what your perfect average day looks like we need to look at how much money you ll need each year to live your life on your terms. So in this section we re going to add some figures to discover what the costs are going to be on a monthly basis. Once we know what our costs are going to be we can easily work out how much income producing assets we re going to need to produce enough money for us to live our life without compromise. Again we still need to keep those voices at bay as we go through this next step. You don t want to sell yourself short and leave off anything that you really desire. I ll show you how easy it is to create this life when you follow the simple, proven steps. Monthly Expense Calculator Living Expenses Weekly Groceries: x 4.33 for monthly School Expenses: Clothing: Dining Out: Entertainment: Luxury Items: Big Ticket Items: Memberships (gyms, sporting clubs etc.): Phones: Internet: Insurances: Health/Beauty: Gifts: Holidays: Donations: Other: Total Monthly Living Expenses: 10

11 Family Home Value Of Family Home: Monthly Maintenance: Electricity: Water: Rates: Insurance: Other Home Expenses (gardener, pool etc.): Total Monthly Home Expenses: Car 1 Monthly Payments: Fuel: Registration: Insurance: Maintenance: Car 2 Monthly Payments: Fuel: Registration: Insurance: Maintenance: Total Monthly Car Expenses: 11

12 The Luxuries List Everyone has different desires and luxuries that fulfil and excite them, here s your opportunity to include anything that you d include in your perfect average day. Total Monthly Luxury Expenses: Total Monthly Expenses Family Home Monthly Expenses: Living Monthly Expenses: Cars Monthly Expenses: Luxury Monthly Expenses: Total Monthly Expenses: Add 10% For Savings: Required Monthly Income: 12

13 Ok, this final part is easy What monthly figure did you come to that you require to support your freedom? Let s Make This An Annual Figure By Multiplying That By 12, what number do you get Great, we re almost there, let s be conservative and say that your portfolio provides you with a cash return of 5% Per Annum, to work out this number take your annual figure divide it by 0.05 CONGRATS We re there and you ve just done what 96% of Australians have never done. You ve suspended your doubts for long enough to discover what it s going to take to create the freedom and wealth you deserve. As we continue this journey together. Now we d like to share with you the steps you can follow to turn this into a reality. (It s Easier Than You Think) 13

14 So Right Now There s a choice you must make Are you going to follow the well-worn path followed by the majority of Australian s who end up dead or dead broke at the age of 65 or will you seek out the little known trails of the few who achieve financial success? Yeah it s easier to follow the advice of those who walk down the common path. Often they re wellmeaning friends or family members who are trying to look out for your best interest. As good as the intentions of their advice, unless they are someone who has achieved the level of financial success you re striving for this advice should always be taken lightly. The little known trails are harder to find and harder to follow, why Well once you ve found the path there will always be distractions trying to get you onto their path. It s going to take discipline to keep you on track but the rewards will come. So now you know how much income producing assets you need to live financially free. Let s make this as simple as we can and divide this figure by $ to tell you how many properties you re going to need to be financially free. What Did You End Up With? This step isn t an exact science, properties are going to increase in value over the coming years and you re going to build a diverse portfolio containing different properties with different values. However it is an important step though in planning for your success, here s why It s a lot easier knowing that you re going to need 6, 7, 8 properties to achieve your financial success compared to working out the total value of all of your assets. So now that you know how many properties you re going to need to be financially free, let s help you get them in the next 7 to 10 years. But before we get there let s quickly go over why property is the investment vehicle for 90% of the world s millionaires. 14

15 Why Property Makes Sense It s easy to tell why 90% of the world s millionaires have chosen property as their vehicle; it s supported by banks, governments and fulfils one of our basic human needs. Unlike most other investments it s also multi-dimensional which means you re not just relying upon cash flow or growth, it provides you both. When it comes to investing in property there are countless strategies that you could use to build your wealth. Although we re not discounting any of these strategies, if your goal is to become an investor and have your money working hard for you, then you need to build a portfolio of properties to hold and rent for the long term. Earlier we worked out how much income producing assets you need to fund you re lifestyle now we re going to take that figure and create a strategy that s going to turn all of your hopes and dreams into a reality. To keep things simple we re going to make a couple of assumptions when creating this strategy. We can t speak for every single person out there, and are not claiming to be experts in every investment vehicle. Over the years there has been thousands of new cutting edge strategy that promised to make me a million dollars overnight without me doing any work and here s what happens Rarely Do They Work! See with all of these investments fall short in one of four areas 1. Not Enough Returns 2. Too Much Exposure and Risk 3. Too Much Work To Maintain 4. They re A Scam With that in mind whatever investments you choose has to be passive, which means that it generates you income without having to do any work. You also don t want to worry about what is happening to your investments, passive also means that you don t have to think about it. Here s why we love Property as our wealth creation vehicle and why we recommend you need to consider it. 15

16 Why Property Makes Sense 1 Leverage When it comes to most investments you can only ever get returns on a 1 to 1 ratio, in some of the better investments you might be able to leverage yourself to a 1 to 2 ratio. However Banks love property and are happy to lend you up to 90% of its value, which means you can invest in a 1 to 10 ration. Put another way you can purchase a $ property with as little as $ Long Term Proven History If you track property growth over the past hundred years, there s been periods of a few years where property prices haven t had any growth while others they ve had growth of 18%. Without fail though and despite all the economic booms and busts it s averaged 10% growth per annum, meaning that property prices have doubled every ten years for the last century. 3. Cash On Cash Returns Consider this, you ve invested $ to purchase a $ property, with the banks lending you the remaining $ The average capitol growth over the past 100 years is 10%, but because you ve leveraged the purchase price by 90% the return on your cash investment is actually 100% isn t it? 4. Rental Returns I know what you re saying right now, but we ve still got a $ loan to repay. And that s what we have tenants for; they pay you a fixed amount of rent each week so they can live in your house. 5. Tax Advantages The banks aren t the only ones who love property; the government love it as well and offer huge tax incentives for owning investment properties. There are tax advantages for buying investment properties, owning investment properties and even renting out your investment properties to tenants. 6. Low Risk Now there are some strategies that involve property that do carry a large risk, these are not what we re talking about here. Generally speaking though Investment Properties do carry a much lower risk, especially the strategies I m sharing with you in this book. 7. Passive Returns Your tenants will deposit large chunks of money into your account regularly and you won t have to do anything, it s a perfect relationship. Now just as with the risk factor, not all property strategies are passive, our opinion of these are they re jobs not investments and although they may provide good returns it s not something we re promoting here. 17

17 New Homes Vs Established What s Best For You? Over the years there s been a lot of debate over what properties are going to be the best for your long term investment strategy. Before you answer whether purchasing established homes compared to a new home is right for you, it s a good idea to first ask yourself what type of investor you are. There are two types of property investors they are: Active Investors and Passive Investors. Active Investors are investors who are looking for a job as well as an investment. They re searching for ways they can add value to a property by undertaking a renovation or fixing it up. They ve got the time, skill and resources to make active property investing profitable for them. Passive Investors on the other hand want to build a portfolio that runs itself. They don t have the time or the desire to renovate, repair or maintain a property. It doesn t matter what investor you are, you need to have a plan to create a passive portfolio. Now a passive portfolio needs to have three ingredients, they are 1. Low Maintenance The idea of a passive investment is something that you can set and forget so you need to start building a portfolio of properties that are low maintenance and have good fixtures, fittings and appliances preferably with a manufacturer s warranty. 2. Maximum Tax Advantage Smart investors are always searching for ways to minimise their taxable income and maximise their deduction. 3. Easy To Rent Out Dated or unique properties sit vacant for longer and achieve a lower rental yield than modern 3 and 4 bedroom properties. Newly built properties meet all of these criteria, provided you stick to the rules outlined on the following page 18

18 Location, Location Location Here s our 9 point checklist that your suburb must meet before you decide to purchase. 1 Access To Public Transport Areas with good public transport links are always going to be more popular than areas with limited transport links. 2 Low Rental Vacancy Rates You never want your property vacant for too long, it has too much impact on your lifestyle 3 Low Unemployment Increases your chances of finding a good tenant who pays their rent on time 4 Capital Growth of surrounding suburbs If a suburb has had strong recent capitol growth it s a fair assumption that the surrounding suburbs will grow in the near future 5 Recent Council approvals for new infrastructure New infrastructure like shopping centres, transport links and developments always creates interest in a suburb 6 Diverse Local Industry I avoid suburbs that rely too heavily upon one or two major employers or industries (like tourism) because there long term growth and returns are based on the success of the industry 7 Range Of Available Properties Understanding the mix of different property types in an area gives you the power to purchase a property that s always in demand. There s no point purchasing a small unit if most properties in the area are 4 bedroom houses, it limits your potential market 8 Access To Essential Services There needs to be a good mixture of education including Primary, Secondary and Private schools as well as good local shops, parks and sporting facilities 9 30 Minutes Outside Of Peak Hour Drive From CBD 19

19 7 Rules That Your Property Must Meet OK, so we ve agreed that purchasing newly built properties are the best form of passive investments and are an essential component in any long term investment strategy. We did mention that there are seven rules that you MUST follow if you re going to maximise your long term success. These rules have been used by successful investors to build large portfolios quickly while minimising their risks and potential downside. If a property doesn t meet ALL of these criteria then you must walk away, it s not right for you. However when you find a property that meets all these seven criteria you can be certain that it ll provide you with a stable long term investment. OK, so here are the rules 1 Total Purchase and Build Price Less Than Median House Price For Area as Well as Median Price For Capital City 2 Limited Land Supply 3 30 Minute Drive To CBD 4 Newly Built By A Developer Or Builder With Solid Reputation 5 Strong Rental Yields 6 Close To Public Transport Links 7 Walking Distance To Shops and Cafés 20

20 Why 90% Of Investors Fail... Seven Mistakes That Cause Inexperienced Investors To Stop At One Or Two Properties And Never Reach Their Financial Goals. OK, so I know you re pretty excited to go out there and get started on your wealth creation journey. Before you set yourself free on the property world, there are a few traps that often catch out new investors. It seems like when it comes to investing in property there s an expert on every corner offering you the deal of the century. Although many of these deals are good, honest deals offered by reputable companies, you need to know whether they re right for you or not. Most of these experts are just sales people who are chasing a commission by convincing you they have the best deal for you. You need to be aware of this and not get caught up in their hype and stick to your plan. Ok, so here are the seven most common traps that new Property Investors fall for 1 Buying On Emotion Even though most of you would like to deny it, our decisions are influenced and controlled by our emotions. How many times have you seen someone throw away all logic and buy a family home on a complete whim with no regards for their initial budget? Yeah we ve all seen it before and most of us can put our hands up and say we ve done it at least once in our life (maybe not with a house, but do you know how many new watches I ve bought purely on emotion) Sales people are very good at getting us to throw away the logic and make our decisions on emotion. They spend time each and every week training and developing new skills to make it easier for them to part you from your cash. This isn t a negative; it s just something you need to be aware of because purchasing an investment property requires a very different checklist and criteria compared to most other decisions. To become a successful property investor you need to distance yourself from the property which will remove much of the emotion and allow your logical mind rule. One simple strategy to avoid getting caught in an emotional decision making trap is to create your checklist that any property has to meet before you ll consider buying it. You see purchasing an investment property is a business venture and decisions should be based on thorough due diligence and strong returns. It matters little if the fixtures, fittings and décor of the house match your personal taste because you re not going to be living there. 21

21 2 Purchasing Wrong Type Of Property Creating a profitable investment portfolio involves purchasing multiple properties gradually over time. It s important that you know which type of properties will suit your goals as purchasing the wrong type of property can slow down your growth and may prevent you from reaching your long term goals. There are strengths and weaknesses with Units, Townhouses, and Commercial and Residential homes. In the right strategy and at the right time all of these can be a profitable and sustainable property, however in many when purchased blindly their limitations can be crippling to your overall strategy. For example buying a commercial property can offer you a good rental return, but can sit vacant for many months or years between tenants. What impact would this have on your overall investment strategy if one of your properties was vacant for this long? It would definitely limit the growth for most of us, wouldn t it? My advice to you is firstly to invest the time to create your strategy based on a proven model. Then in the beginning stick with solid residential homes or townhouses/apartments in small complexes (less than 40 unit s total) Ideally any property you end up purchasing should have owner occupier appeal, so if you choose to sell in the future you ll get the highest price. 3 Not Knowing The Numbers Any property investment is a business decision and as such needs a business understanding of the numbers involved. You need to invest the time to properly educate yourself on the local market conditions, what prices properties are selling for and what they re renting at before you purchase. There s a host of free or low cost resources available online that gives you recent sales data, median house prices and growth trends. When you fail to understand of properly research the numbers your chances of paying too much, making a bad purchase decision or buying a property at the wrong end of the market increase greatly. Not only will this affect your lifestyle in the short term, having to cover the shortfall in mortgage payments but will also affect how many properties you can purchase because you ll have to wait much longer before you can utilise any equity in the property. You always need to purchase properties with a calculator, not your gut instincts. Know what the rental yields are going to be, the tax incentives, the loan payments and all the other out of pocket expenses to determine whether the property fits within your investment strategy 22

22 4 Purchasing In The Wrong Location The first rule of real estate is Location, Location, Location, and remains the catch cry of every successful property investor. One of the most common mistakes when selecting an investment property is to purchase it purely because it s close to where you live. This goes back to buying based on emotion and just because you fell in love with your area when you bought in there doesn t necessarily make it a wise investment choice. 5. Purchasing With The Wrong Structure Creating the right structure to purchase your properties under can help minimise the amount of tax you pay, maximise your potential for growth and protect your assets against any losses. When you establish the right structure, you ll be able to grow your investment portfolio much faster and eliminate many of the risks. This is an essential step and has to be done before you start building your portfolio if you wanted to maximise your returns. 6 Getting The Wrong Loan It s important that you know that all mortgage brokers are salespeople who rely upon the commissions paid for your loans. As such they can often be influenced by what bank is offering the highest commission or easiest approval and not what s necessarily best for you. You ll also find that most mortgage brokers are only experienced in writing loans for owner occupiers and not investors so may lack the specific skills you need to create the best loan for your circumstance. There are certain loan structures that lend themselves better to certain strategies than others, however as we ve already discussed many mortgage brokers aren t properly skilled in these areas. I hear most people say at this stage that they just want any loan to get started and will look at structuring them properly in a couple of years. Well this may be easier but it could cost you hundreds of thousands of dollars. You see when you first take out a loan about 90% of your monthly payment is made up of interest with less than 10% of what you pay actually coming off the loan. So if your loan payment was $2000 per month, after five years you d have paid $ Of that $ only about $ would have come of the principle of the loan, the other $ is interest. All banks have set the system up so they get their interest (profit) out of the deal long before you pay out the loan. 23

23 7 Not Taking Action So if you were to refinance after five years, you d have only reduced your loan amount be $ from when you started, you d be then starting again with a new bank and paying their interest first before you start knocking the principle off again. So it s imperative that you do your research ahead of time and seek out the services of an Investment Specialist mortgage broker who ll help you set up the right loan within your newly created structure to maximise your long term profits. Ok we re finally at my favourite trap for new investors and that is not taking action. So many people invest all the time into researching property, developing their strategy, looking at the right areas and never taking any action. People get sucked into the outer game and start making excuses and trying to justify to themselves why they can t or won t start investing in property. Without fail these people let their fear and old beliefs control them. We discussed earlier that when you start on your property investing journey there will be a lot of uncertainty. People that don t take action use this uncertainty to justify excuses like It s not good timing or I can t afford it yet and the hundreds of other excuses we all hear. If you re starting to say to yourself any excuse that s talking you out of taking action and starting your property investing journey I d like you to know that it s ok. It s always scary when you re getting started and you might stumble from time to time. But what I d like you to do is look back at what prices average houses sold for just ten years ago. Then look back at what they were selling for twenty years ago. I can guarantee you that no matter what area of Australia you live in if you d started investing in property twenty years ago your portfolio would have grown substantially. If you d started ten years ago you would have doubled your investment already. 24

24 How The 10% Of Investors Succeed It s a sad fact that most people who read this Financial Freedom Guide will do nothing with the proven strategies and never achieve the financial freedom they deserve. I believe though that you re one of the few who ll take action and succeed. Even though every effort has been made to map out the simple steps you need to follow to achieve your financial freedom we know there s a good chance that you may be slightly overwhelmed and not quite sure what the best steps to get you started are. On the other side of the coin you might know exactly what the next steps are and are looking to partner with an experienced builder and developer to help you with your next investment property? So what is it that makes the ten precent of investors successful when so many fail to achieve their financial freedom? Every successful investor has a financial plan which they follow. Their strategy gives them predictable results with stable long term investments. But that s only half of the story What do successful investors do too ensure they re investing their money in stable investments that offer predictable long term returns? Now that is a good question which leads us to the second half of every success story Successful investors will ALWAYS carry out a detailed research and property analysis before they put a cent of their money at risk. They gather independent, unbiased opinions of property and financial experts before they decide on any property. About now I can hear you saying That Sounds Good But Where Do We Get That Information and How Much Does It Cost If you re like most people, I m sure one of the questions on your mind is Who will give me this information and how much will it cost me It s a fair question and a very important one for you to consider. Ultimately you must take responsibility for your own education and make your own decisions based on what you uncover. 25

25 That said, a more appropriate question should be How Much Will It Cost If I Don t Get The Right Information? You see the wrong strategy or purchasing the wrong property can slow your progress and limit your growth, meaning your retirement years are spent living off substantially less than what it could have been with the right advice. So what would you like your next steps to be Now I won t kid you and I definitely mislead you. I ve mentioned it before and I ll say it again, here. The process of creating wealth is simple...but it doesn t happen overnight. So if you re searching for the one big deal that s going to set you up financially for life then there s nothing we can do for you. But if you want help getting started on the road to financial success then we can help. I ve had the fortune of helping hundreds of Australian families secure their financial freedom through sound property investment. If you re looking for a team who ll partner with you to help you create your own personal wealth creation strategy and ensure you stick with it then we should get together and see if we re a good fit. If you re like most of our clients you ll find the three pillars to our partnership incredibly valuable as you continue down your path. Success Pillar 1 Education & Strategy As your long term partner it s in our best interest to help you achieve all of your financial goals. That s why we invest in your first with products like this Financial Freedom Guide Personal Wealth Creation Strategy Sessions before we ask you to invest in any of our recommended properties. Education minimises risks and empowers you to make informed decisions about any investment decisions which is why we re an advocate of helping you become the financial expert. Success Pillar 2 Independent Thorough Research Every property that we invest in and recommend is thoroughly researched and must meet the strict criteria discussed earlier. If you re considering investing in property, our detailed property investment analysis and rental appraisals could save you from buying a lemon. Every time you review an opportunity the only question you need to ask yourself is Does this fit within my strategy if the answer is no, then you pass on it. Success Pillar 3 Ongoing Support This is an ongoing partnership so we ll be here for you every step of the journey. Some of our clients have said that we give them the armchair ride to successful property investing. Just one of the little extras you ll receive as part of our partnership is our FREE VIP MAINTENANCE PLAN, detailed on the following page. So, where do we go from here? 26

26 The Easy Way To Get Started Get Your FREE Personal Wealth Creation Strategy Today. We re going to continue investing in you and your education by offering you a detailed personal wealth creation strategy. When you call and book your strategy session with one of our Wealth Creation Experts you ll be guided through the process of understanding your financial needs and the simple steps you can take to guarantee that you reach your goals. There is absolutely no obligation to this one on one education and you ll walk away with a road map that ll lead you to your success. We ll provide you with examples of our Detailed Property Investment Analysis of previous successful investments so you know exactly what to look for in properties and can, if you ask us leave you with some of our current recommendations. 27