Best alternative to a reverse mortgage or downsizing the family home. We enable senior homeowners to afford to keep their preferred home, preserve their nest egg and access unrealised capital growth today to enable a better quality lifestyle without affecting the pension. Financial Certainty for today and the future. www.positionforcertainty.com.au

1. Redland RSL Information Session

2. Matching the needs of Senior Homeowners with those of
working investors to create more Wealth and Financial
Certainty through Advert the 140H x 110w.Secure ai 1 21/1100//1144 Use 55::5522 PPMM
of Residential Equity…
Our average client enjoys an extra $300per week
Without Affecting the Pension

3. 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?

4. WHO ARE WE
Position 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

5. Beyond concerns about Health
National 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.”

6. DID YOU KNOW
The 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?

7. WHO WILL PAY?
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
Tax Payer Supporting Retiree’s
Retiree Receiving Government Pension
Prior to 1950’s Over next 25
years
Current
Statistics(2010)

8. What Economic Changes are Inevitable?
Increases in GST
Decreases on income deeming exemptions
Increases in Living Costs
Decreases in Free Social Services
Increases in Financial Uncertainty
Decreases in Real Estate Capital Growth
Increases in Transportation costs
Inclusion of the Home in the means test
Decrease pension from couple to individual

9. How do you feel about your financial
future?
Are you concerned about funding your
future Health and Aged Care needs?

10. WHAT IS OUR GOAL?
TO CREATE WEALTH AND
FINANCIAL CERTAINTY FOR
ALL GENERATIONS
Enriching Lives through the
Secure Use of Residential Equity
The SURE Property Option©
Enriching lives through property

11. 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

12. THE PRESERVATION OF HOME OWNERSHIP IS
FUNDAMENTAL TO THE FINANCIAL WELL BEING OF OUR
AGEING POPULATION
AND THE ECONOMIC STABILITY OF OUR COUNTRY

13. 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

14. 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

15. 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

16. 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

17. HOW WE SOLVE PROBLEMS
Enriching Lives Through Property
PROTECT
We assist Seniors to
Protect and Remain in
their Own Home
Better Alternative to a Reverse
Mortgage or Downsizing
1
P
PRESERVE
We Assist Seniors
Preserve Home Equity
With NO erosion of existing
Equity, Capital is Preserved
for Future Financial needs.
i.e Aged Care or Family P
2
EASY INVESTOR
PARTICIPATION
Low Risk Premium Property
Investment
NO Bank Deposit or Finance
NO Stamp Duty or LMI.
NO Interest Rate/Tenancy Risks
Invest Direct or Superannuation
I
4
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
P
3

18. 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 AUDITS
DIRECTOR - 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

19. ARE YOU LIVING THE LIFE YOU
DESIRE AND DESERVE?

20. 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

21. COMPANY DIRECTOR
By 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

22. THANK YOU
FOR YOUR TIME
Please let us know if you have any questions
More information can be found at
www.positionforcertainty.com.au
Ph: 07 5576 8557
Enriching lives through property