Retirees are growing to become the biggest consumers in our local economy.. Help your clients become more financially secure and the additional disposable income will in turn increase your business revenue...

1. UNIQUE AND TAILORED
FINANCIAL SOLUTIONS

2. 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
match the needs of Senior home owners with
working investors to enable financial certainty
through the utilisation of home equity.”
!
The SURE property option© enables homeowners
over 60 to afford to stay in their home, preserve
their wealth and maximise there income without
affecting the Centre link Pension.
JASON
BENNEY-MORRIS
!
DIRECTOR

3. THE VALUE OF
COLLABORATION
We understand the frustrations and dangers of
conflicting and ambiguous advice…
!
It is our ambition to establish your trust and form long
term collaborative relationships with you and your clients
to add value to your business.
How would your business benefit from your clients having
greater financial certainty and more disposable income?

4. WE SERVE TWO DISTINCT
SEGMENTS OF THE
POPULATION
HOME OWNERS OVER 60 YEARS OF AGE
Total Assets less than $300,000 outside the value of their own home
Property Values Between $200,000 and $1,000,000
DOMESTIC RESIDENTIAL PROPERTY
INVESTORS
Working Investors looking to participate in the long term Capital Growth of premium
properties throughout Queensland.

5. HOW CAN WE HELP YOUR
BUSINESS?
Did you know that 80% of Baby Boomers are home owners,
yet more than 65% are reliant on a Centre Link Pension as
there primary source of income.
A full pension for a couple is only $33,000 a year and a single
retiree as little as $22,000 p.a
Do you think your senior clients would spend more WITH
YOU if they had access to an extra $200 - $300 per week?
Do you think you clients would be grateful if you were able
to introduce them to a solution that enables them to live a
better quality life with more financial certainty?

6. INSIGHT INTO CONCERNS
FOR SENIOR HOMEOWNERS
The Three biggest concerns identified by Senior Homeowners are;
How can I afford to maintain my level of lifestyle and remain in
my preferred home?
How can I secure an income the will keep inline with inflation
to meet my financial needs today and also in the future?
How can I preserve my Assets so that they will provide the
financial security I desire for the rest of my life?
The SURE Property Option is about Protecting ownership,
Preserving equity and Providing maximal income without
affecting the Centrelink Pension

7. WHY WOULD A PENSIONER
CONSIDER
THE SURE PROPERTY OPTION©
• Maximum Cash Flow without Affecting the Centre
Link Pension to live a
• better quality life TODAY
• Financial Certainty regardless of interest rates or
residential property market performance
• Not subject to the risks associated with a reverse
mortgage
• Long term consistency of income
• Home equity preserved for aged care or family legacy

8. 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

9. WHY WOULD AN INVESTOR
CONSIDER
THE SURE PROPERTY OPTION©
Ability to participate in the Capital Growth of Property with
Less Obstacles and Risk
No need for finance or cash deposits
No Stamp duty or Lenders Mortgage Insurance
Appropriate for SMSF without the risk and exposure of
Finance
Eliminates interest rate risk and reduces tenancy risk
Potential to out perform industry super 2:1

10. HISTORICAL LOW RATES OF FIRST
HOME BUYERS AND DOMESTIC
INVESTORS

11. COMPARISON OF INDUSTRY
SUPERANNUATION AND
THE SURE PROPERTY OPTION©
***Data based on a comparable starting balance and concessional contributions over 15 years

12. HOW WE SOLVE PROBLEMS
Enriching Lives Through Property
PROTECT
Homeowners rights
protected
Better Alternative to a
Reverse Mortgage or
Downsizing
Provide Financial Certainty
1
P
EASY INVESTOR
PARTICIPATION
Low Risk Premium Property
Investment
NO Bank Deposit or Finance
NO Stamp Duty or LMI.
NO Interest Rate/Tenancy Risks
Direct Investment or SMSF
IP
4
P
2
PROVIDE
Maximum income
without affecting the
Centre link Pension
Asset and Means test
Ability to live the quality of
life they desire and deserve
PRESERVE
Preserve Home Equity
With NO erosion of
existing Equity, Capital is
Preserved for Future
Financial needs. i.e Aged
Care or Family Legacy
P
3

13. 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
DIRECTOR- MATHON CAPITAL
“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
DIRECTOR - SPRANKLIN McCARTNEY LAWYERS

14. ORGANISATIONS WE BELIEVE
WE CAN BENEFIT
Pharmacists Sporting Clubs Accountants
Optometrists Seniors Clubs Mortgage Brokers
General Practitioners Restaurants Financial Planners
Physiotherapists Travel Agents Solicitors
Chiropractors In-home Services
Pathology Clinics
Radiology Clinics
Podiatrists
If you are a Queensland based business and you would
benefit from your senior clients having more financial
certainty and disposable income, talk to us today…

15. LET’S BOOK A MEETING TO
DISCUSS MORE DETAILS…
We provide a unique solution to your clients needs..
The SURE property Option© enables clients to
enjoy more wealth and a better quality retirement
with more financial certainty..
!
I am SURE you have Questions..?
Talk to us about our collaborative client
focused Partnership Platform..
Being respectful of your time please download our Due-diligence pack designed to
make your due diligence much easier..
www.PositionForCertainty.com.au/duediligence

16. Downloadable Client Resources
As a valued client in your own right we will develop a specific landing page
and registration form for your clients to have information mailed to their door.
Please download client resources here
http://4certainty.com.au/9_steps
http://4certainty.com.au/DL
Introduction
9 Steps
for a n e asier retireme nt
with fi n a nci a l c erta inty

17. THANK YOU
FOR YOUR TIME
EMAIL OR PHONE US TO BOOK A TIME TO DISCUSS IN MORE DETAIL…
!
INFO@4CERTAINTY.COM.AU
04 0416 1740
WWW.POSITIONFORCERTAINTY.COM.AU