We all want financial independence Secure your future

We all want financial independence Secure your future today Talk to us, we will show you… How to Eliminate Your Mortgage Burden, Pay Less Tax and be financially free with Complete SAFETY and Peace of Mind

8/176 Main Street Osborne Park WA Phone: 1300 132 648 www. thewealthcentre. com. au DISCLAIMER: We recommend that the recipient always seek independent advice from professional advisors in relation to all matters concerning the acquisition of and dealing in property and real estate investments. We do not purport to be professional advisors in any form whatsoever and offer the information contained in this document, in all its forms, for discussion and/or illustration purposes only and it is general in nature and does not constitute financial advice. We are not engaged in rendering legal, accounting, professional or other advice or services. The matters referred to in this document are for educational and information purposes only. Check with your lawyer, accountant, or other professional advisor before using this information contained herein. No reliance should be placed on the contents of any of the information, products or services in this document without first obtaining advice from a qualified professional person. You should not act on any information, products or services provided before you have formed your own opinion through investigation and research as to the suitability of the information, products or services for your circumstances. Further, expected rates of return are based on assumptions, and those expected rates of return will change depending on the accuracy of such assumptions. There is no promise or warranty provided that such assumptions are or will be accurate. We make no express or implied claims that you will make money as a result of following our advice and/or purchasing our services or products. Every effort has been made to ensure that the information provided herein is accurate, however no person should rely on the information herein to make a financial or investment decision. We do not represent or warrant that the information in this document is accurate, reliable, complete or current.

Our Ultimate Goal: Financial Independence Everyone is different… so what does FINANCIAL INDEPENDENCE look like to you? Would you… Buy the house you’ve always wanted? Give the kids a head start or helping hand? Take the dream holiday? Finally have the work, life, family balance you are craving? Or something else entirely… How do you get there? FACT: in today’s modern world you simply can’t save your way to wealth – you need other strategies. Over time you need to build passive income to supplement and eventually REPLACE your working income.

The 4 -Step “Financial Freedom” Blueprint STEP 1 – Buy your own home STEP 2 – Reduce your mortgage burden – FAST STEP 3 - Legally reduce the amount of tax you pay STEP 4 – Use your equity and tax saving to buy income producing assets Once ASSETS produce the income you need, you have Achieved Financial Independence!!

STEP Step 1 - Buy your own home For many people their greatest investment will be buying their own home

STEP Step 2 – Eliminate your mortgage burden – FAST And Build Equity To build wealth, you must beat the banks. Yes, most of your mortgage repayment in the first 15 years of your loan is interest. Is this the way to get rich?

STEP Exactly HOW MUCH interest (ie dead money) do you pay over the 30 Years? Principle Total Interest Paid Total Cost $200, 000 $190, 924. 00 $300, 000 $286, 386. 00 $586, 386. 00 $400, 000 $381, 848. 00 $781, 848. 00 $500, 000 $477, 310. 00 $977, 310. 00 Yes, as the figures show you pay roughly as much in interest as you do for the loan itself!!! Source: http: //www. yourmortgage. com. au/calculators/home-loan-repayment Note: Figures are based on average standard variable rate of 5. 1% and exclude fees. Little wonder you feel like the hamster on the wheel… working hard but going nowhere!

STEP What about YOUR mortgage HOW MUCH “dead money” are you paying? TAKE THIS QUICK SELF-ASSESSMENT This is the way most people manage their money… 1. What is the balance of your mortgage right now? $ ______ 2. How much do you pay each month? $ _____ 3. Years left on your mortgage? ________ Total repayments: (2 x 12) x Answer 3 = $_____ (4. ) You pay the mortgage Work hard for a weekly wage, Pay goes into your bank Total interest left for you to pay = Answer 4 – Answer 1 = $ _____ On your “dead money” the banks make RECORD PROFITS!! What’s left over is for “living” & savings There’s got to be a better way? ? ? You pay the bills

STEP Announcing… the “GAME CHANGER” that is the MORTGAGE OFFSET ACCOUNT Here’s how it works… An offset account is a transaction account linked to your home loan The credit balance is offset against the money you own on your home loan With a 100% offset account, if you have a $300, 000 loan and $50, 000 offset account, you will only pay interest on $250, 000, like this… The magic of the offset account…You can pay off your home years FASTER… and SAVE 10’s of thousands in interest!!! Source: mortgagereport. com. au

STEP 2 This quick example shows you how much…. This example assumes a loan of $320, 000 and compares the same loan with and without a 100% offset account. Of course this scenario is for illustration purposes only and you will need to seek advice from an authorised Credit Representative to establish if an offset product suits your circumstances. Source: finder. com. au

STEP 2 This example shows you how much just $100 Extra Payment per Week Reduces your Mortgage Source: nab. com. au

STEP 3 - Legally Pay Less Tax The late Kerry Packer said at the Print Media Enquiry in 1991… “I am not evading tax in any way, shape or form. Now of course I am minimizing my tax and if anybody in this country doesn't minimize their tax they want their heads read, because as a government I can tell you're not spending it that well that we should be donating extra. ” TAKE THIS QUICK SELF-ASSESSMENT You Pay $______ in Tax Your Partner Pays $_______ TOTAL HOUSEHOLD TAX BILL (You + Your Partner) = $_____ Tax Payable in the next 5 Years = $______ Tax Payable in the next 10 Years = $______ Tax Payable in the next 20 Years = $______ How Much Tax Will You Pay In Your Remaining Work Life?

STEP 4 Step 4 – Put Your Money to WORK for YOU with Income Producing Assets Remember, once your ASSETS produce the income you need, you have achieved Financial Independence. So let’s look at HOW you can generate safe, reliable, passive income. The #1 question - What is YOUR passive income figure? How Much passive income per year do you want in order to have financial independence? $________

STEP 4 Australia’s “Demographic Time Bomb” First, let’s look at the “traditional” model for looking after yourself in retirement… the Age Pension… Pension per Week Single Couple Combined Maximum Basic Rate $388. 35 per week $585. 50 per week If you are single you will have to survive on just $388. 35 per week. Who wants that? Of course the amount you receive is subject to your income, assets and other circumstances. Also, from 2035, everyone born after 1965 will only get access to the pension at age 70. Is this a safe, viable retirement plan for you? The ticking time bomb is Australia’s Aging Population According to the Department of Treasury’s report “Australia’s Demographic Challenges”… “over the next 40 years, the proportion of the population over 65 years will almost double… At the same time, growth in the population of traditional workforce age is expected to slow to almost zero. This is a permanent change. ” It’s a simple fact… there will be fewer workers and therefore less tax revenue to pay for Australia’s aging population. THE REALITY IS. …MOST AUSTRALIANS WON’T BE ABLE TO AFFORD TO RETIRE WHEN THEY WANT TO…. OR MAYBE RETIRE AT ALL!!

STEP 4 What does your financial future look like? Below is where Australians are, at the retirement age of 65 today. It’s almost impossible to SAVE your way to financial freedom WHERE ARE YOU AT? ?

What do the 5% who are financially Secure do? Smart Investors like Assets that; Are Income Producing Have Great Tax Advantages Appreciate In Value Are Low Risk - Dependable Australian Tax Office figures in 2014 show that 1, 811, 174 individuals own a rental property, which is just under 8% of the population.

7 Reasons why Australian Investors LOVE Property 1. Reliable and secure, safe as houses. 2. Easy to understand manage, we all live in one. 3. Tax effective investments. 4. Allows you to use OPM (Other People’s Money) and create YOUR wealth at the same time 5. Provides inflation proof income for life, rent goes up with inflation. 6. Cost effective insurance protection is available 7. Win, win – rental income, tax deductions and capital growth

Safe and Sound the KEY Pillars of SMART Property Investment 1. Your Home is your Castle PROTECT IT!! Structure your investment property portfolio correctly NEVER put your home up as security Aim to pay your home off sooner with an investment property You don’t want to have to sell your home to fund your retirement

Safe and Sound the KEY Pillars of SMART Property Investment 2. Multiple cash-flow sources The world’s wealthiest people know you need multiple streams of income if you want to be rich. With property investing you can…

Safe and Sound the KEY Pillars of SMART Property Investment 3. Use Other People’s Money to Pay for It How to Buy Extra Houses with Little Extra Money

Safe and Sound the KEY Pillars of SMART Property Investment 4. The Miracle of Gearing Remember, the tax laws of this country are skewed in favour of the investor. All the costs associated with your investment property are 100% tax deductable… Loan interest, fees and charges Repairs, maintenance Real estate agent mgmt. fees Insurance and rates Depreciation of the build and chattels These tax benefits can add up to $10’s of thousands of $$ per year!!

Safe and Sound the KEY Pillars of SMART Property Investment 5. Leverage your way to wealth Definition of leverage: use (something) to maximum advantage To own an investment property worth $400, 000 it may cost you just $80/week or Less! If the property increases in value by, say, 8%pa*… on a $400, 000 property that’s a $32, 000 a year gain – the best part of an average annual wage!! Imagine what the benefits would be if you had 3 or 4 properties… * The 8% figure is an example only – historical averages since 1960 have been 9. 2% These tax benefits can add up to $10’s of thousands of $$ per year!!

Safe and Sound the KEY Pillars of SMART Property Investment 6. The Magic of Compounding On average Australian property doubles in value every 10 years. You can use this historical average to massively grow your wealth… Calculate the equity with 3 or 4 properties!!!

The Future – Where to From Here ? ? Can you see this simple 4 step plan helping you achieve your goals? Do you think you will reach your Goal doing what you are doing now? Einstein is credited with this definition… INSANITY: doing the same thing over and over again and expecting different results. So what are you prepared to do differently? Edward Young Quote “Procrastination is the Thief of Time”

Your Next Steps… 1. Complete a “Financial Health Check” with me now… 2. Make an appointment to visit the TWC Property office… 3. The office appointment will include: q Property Investment Strategy and Financial Structure Overview. q The Finance experts will complete a full personalised financial evaluation for you to determine your current financial position and establish what you can and can’t do moving forward. q View a range of Properties appropriate to your circumstances. All this Offered to you at NO COST and NO Obligation

The Wealth Centre coordinates all of your finances so that you don’t need to explain to every consultant what you want and how you would like to achieve it. You don’t need to take multiple days off work or travel to several different offices, we have all of your desired contacts, products and services right under one roof! The Wealth Centre’s Trusted Advisors

Your Office Appointment Details Date: Time: Venue: Suite 8 /176 Main Street Osborne Park WA 6017

Your Notes….