Vicki Wusche and Loran Northey - The Property Sourcers, reveal the shocking truth in this report. Do you realise how little your pension will be by the time you retire? The government cannot sustain this ageing population! Did you know that you can do something about it? If you have questions - we can help. Please contact us at Ask@ThePropertySourcers.com or call us. The report contains links to a series of videos that we are releasing on the subject. We would love to have an informal chat with you to see if we can help

1. Report on XXX
Your Pension is NOT
Enough
Your chance to retire early!

2. ”EVEN IF YOU’RE ON THE RIGHT TRACK, YOU’LL
GET RUN OVER IF YOU JUST SIT THERE”
Will Rogers
This report shares our view that anyone with a pension will get a shock when they retire! Their pension will
simply not be enough to provide for them – they will become a burden on their family (if they are lucky
enough to have one!).
When the pension system was created post war, life expectancy was relatively good. The average man
living to 66.4 years and women to 72 years old. With advances in medicine and better diets (both of those
are suspect too) life expectancy has increased by a further 10 years; men can expect to live on average
to 77 for men and 82 for women.
Imagine the strain that is putting on government finances. A report by the Office of National Statistics*
predicts that there will be a 61% increase in the number of people of 65. Couple that with a decreasing
younger population – able to work and pay taxes and the coffers will dry up very soon!
You may or may not also have a private pension, where you have visited a financial advisor and explained
to them what your financial requirements are in retirement and they then have advised you on how much
money to put in your own pension pot to achieve that.
The private pension is similar to investing in property in the way that you have worked
out how much you want in retirement and have decided on a vehicle to deliver that.
Your pension however is at the mercy of the stock market where shares fluctuate and
whereby you have no control over that whole process or are in any way able to add
value or hold responsibility for that investment. Property gives you that control. Plus you
can get a mortgage on a property but not on a share!
*http://bit.ly/Ageing-Population
**http://bit.ly/PensionWarning http://youtu.be/uwwWETjApYY www.ThePropertySourcers.com

3. WHAT ARE YOU GOING TO DO TO
SUPPLEMENT YOURS ?
The average person who has comes in to Our team of professionals includes financial advisors that
a lump sum of cash or has equity or not only understand investments and insurance but they
shares that they want to invest to also understand the property market, in fact many of
generate more income – will typically them are established professional property investors
visit a financial advisor. themselves.
They will only be able to recommend and We mention the tension between traditional financial
speak about the range of investment advice that recommends the buying of shares, or
and insurance products that they commodities and of course the obvious pitfalls of
understand they would not have investing in a stock market that you have no control
necessarily be able to advise you over.
about property investment.
We also mentioned that you cannot get a mortgage or
We can help you to invest in property, so loan for some forms of asset class. Property is perceived
that you get an on going income now as a more reliable investment by lenders – that is why
that will continue into your future. they offer mortgages as a way to share the cost of
purchase with you (for a fee) enabling you to make you
money go further.
So get in touch with us and have a more
in-depth discussion on what financial
resources you have at hand and what
the best strategy for you is now, to get
the best return on your investment.
•
“It is never too late to be
what you might have been.”
George Eliot
Ask@ThePropertySourcers.com http://youtu.be/K4LAaXZQs7M www.ThePropertySourcers.com

4. THIS COULD BE YOUR LIFE...
Vicki is going to give an actual pension scenario so here are some assumptions about you.
You're probably in the region of 45 years old with a house worth at least £400,000 you are
currently paying off that mortgage as we have been taught* and currently have about
£100,000 left on your mortgage. You are doing what you've always been told to and you're
going to work for at least the next twenty years maybe more if the pension age keeps getting
higher.
When you retire you will have a big house that you own outright that is worth at least (for the
sake of this example) £600,000. In twenty years it could be worth more. So you sell the house
and downsize. The new house costs you £300,000 so now you have £300,000 cash. (Remember
if your house is worth more, then so will all the other properties).
How much will you need to live on per year at 65? £20,000, £30,000, £40,000 a year? Say for
example being £30,000 -- Unfortunately that will only keep you going until you are 75, and then
what? We already said average life expectancy is rising! How will you care for yourself, feed
yourself, pay for the gardener, car, even a holiday?
What’s the point of growing old if you can’t enjoy yourself? ”Never leave that till
tomorrow which you can do
*http://bit.ly/HomeNotAsset today.” Benjamin Franklin
Ask@ThePropertySourcers.com http://youtu.be/qyDt98JfqLM www.ThePropertySourcers.com

5. WHAT IF YOU THOUGHT LIKE A
PROFESSION PROPERTY INVESTOR?
Let's think about another scenario with the same details above but this time you decide
you want to retire at 55 years old, to enjoy life, perhaps travel, and spend lots of time
with the family, whatever!
Think about this strategy, we release now £200,000 equity from your house and invest
that money into 6/8 properties which can bring in around £2000/£2500 per month in
rental income after the mortgage on the investment properties have been paid.
When that money comes into your bank accountant you can then pay back the
mortgage on your residential mortgage. Even after costs you should be getting around
£1500/£2000 a month income -- that's nearly £24,000 a year.
So for the next decade you will be earning £24,000 a year in rental income. You could
reinvest that money to buy more property or you could just enjoy it to raise your lifestyle.
If you did save the money every year you'd have nearly a quarter of a million pounds!
”To be prepared for war is one of
the most effective means of
*http://bit.ly/HomeNotAsset
preserving peace.”
George Washington
Ask@ThePropertySourcers.com http://youtu.be/qyDt98JfqLM www.ThePropertySourcers.com

6. NOW LET’S COMPARE THE TWO
EXAMPLES
One version of A better way of life
Age 45 you have the chance to invest in property
life You release equity form your home, use savings, pensions or other
resources. Over the next 5 years you work with The Property Sourcers
Age 45 you had the chance to to create an appropriate cash flowing property portfolio.
invest in property
You thought it too risky Age 55 you decide you want to retire early and have fun travelling
You thought you would be okay Your portfolio is well managed and you set about a series of holidays
You did nothing You have approximately £24,000 a year income and an
accumulated pot of more than £100,000 from past years rental
income that was unspent.
Age 65 (if you are lucky) you retire.
Sell the family home and downsize Age 65 – during the last 10 years you have reshaped the portfolio to
Plant £300,000 in the bank (because sell some properties at a profit as prices have risen and cleared the
you can’t get a mortgage now you mortgages of other properties to prepare for the end of the
are not working) mortgage terms.
You now have a smaller portfolio but the same rental income
(assuming rents haven’t risen)
Age 75 – the money runs out
The State pension is not worth You now decide to rent your family home, leave a family member in
anything after years of inflation charge of the family property trust and you head off for a summer in
Your private pension, based on the the sun, in your newly rented apartment, where friends and family
stock exchange, has only yielded can visit. Next year you might take a cruise.
an average of 10% total growth
So it's your choice – feel free to contact us to discuss your personal
circumstances as everyone is slightly different but the principal holds
– act now and secure your early retirement.
Ask@ThePropertySourcers.com www.ThePropertySourcers.com

7. A QUICK EXAMPLE OF A COMPANY PENSION
Let's think about another scenario with the same details above but this time you A
quick example of one family’s employer pension. There's around £150,000 in the
pension pot. This is predicted to generate a whopping £7,000 a year when it's
due, at retirement. This is after 12 years of service on a standard salary of £50,000
What if we could access that pension money now? £150,000 will get you in the
region of 5/6 properties depending where they are bought. We buy in the north of
England where properties are cheaper so you get better cash on cash returns on
your investment but for now let's say £150,000 buys you 6 properties.
Let's say that each property releases £250 every month after all costs, that's £1500
a month and it's £18,000 a year, until you retire and on going. Plus your properties
will be going up in value over time.
So what would you rather do, wait for whatever retirement age the government
gives you and then have £7000 per year or think differently and have £18,000 a
year, starting now. The choice is yours! If you'd like to know more please get in
touch.
”Age is an issue of mind over matter. If
you don’t mind, it doesn’t matter.”
Mark Twain
Ask@ThePropertySourcers.com http://youtu.be/XKuj0bfRpxA www.ThePropertySourcers.com

8. The Property Sourcers
At The Property Sourcers we offer clients  “Thank you so much for our Strategy
the opportunity to examine property Session last night – your no nonsense
approach and willingness to share
investment as a mechanism to increase your knowledge has helped us
their personal income, through our five enormously – I couldn’t sleep last
step strategic conversation. The result of night for ideas how to take our
this 2 hour meeting is our clients leave property business forward.” HA
with a clear understanding of their
options, a clear property investment plan.  “I can’t believe that I can retire so
much early simply by using the equity
in my home! In 18 months I could be
75% of our client’s do not have the time on a tropical beach – carefree –
thank you so much when do we
to implement their personal investment start?” JN
plan themselves so we act as project
managers. We find, fix and fill a cash  “I just wanted to let you know that
flowing property portfolio resulting in we are very happy with the new
additional family income and a feeling of properties that you arranged for us.
financial security. They already have tenants and just
weeks later we have our first regular
rent payments. This extra money will
To find out how we can personally help make all the difference to our quality
you please call or send us an email to of life now that I have been made
redundant – thank you so much” LS
arrange a free, in confidence
conversation. •
Ask@ThePropertySourcers.com 07795 49 2001 www.ThePropertySourcers.com

9. Vicki Wusche and Loran Northey
Vicki starting buying her own Loran is a successful entrepreneur with her
investment property portfolio in own training and development company,
2008 and by 2010 she had including a Harley Street practice, since 2005.
enough rental income that she
does not have to work anymore –
she can choose how she wants to Loran and Vicki first met in 2007 and when
spend her time. Loran started to see the benefits of investing
in property, she asked Vicki to help her. In
2010 Vicki helped Loran and her family
Vicki enjoys helping people recognise the financial resources they could
discover how property can help access to start investing in property.
them and through personal
strategy sessions Vicki helps
people think differently about Now Loran is financially secure and spends
money and their home. her time helping The Property Sourcers’ clients
to become financially more aware and more
secure, something we all want in these
And that is why Vicki wrote two turbulent times.
books entitled Using Other
People’s Money; how to invest in
property and Make More Money
From Property; from investor
thinking to a business mindset www.twitter.com/VickiWusche
www.twitter.com/LoranNorthey
Ask@ThePropertySourcers.com 07795 49 2001 www.ThePropertySourcers.com

10. SUMMARY PAGE
Fact You can have a better future
•We are living longer •You can retire early
•Your home is not an asset •You can leverage the equity in your home or
savings to invest in cashflowing property
•Your pension is not enough
•You can create your own cashflowing pension
•The cost of living will rise pot
•You will need support as you get •You can retire early (did we say that already)
older
•You can leave a legacy for your family
•You will end up a burden on your
family or the state •You will have enough money – if you take
action
“What you do speaks so
loudly that I cannot hear Call, or email and arrange a time to talk
what you say.” Waldo Emerson about your plans and your situation.
Ralph
Ask@ThePropertySourcers.com www.ThePropertySourcers.com

11. FINANCIAL DISCLAIMER
The Property Sourcers, Vicki Wusche and Loran Northey are NOT a Financial Advisors, and do not give
financial advice.
Their role is to use their experience, knowledge and contacts to help you examine property as an
investment opportunity.
You remain responsible for any decisions you make.
You must carry out your own due diligence. All decisions you make are yours and yours alone.
The Property Sourcers; Vicki and Loran, accept no responsibility for any decisions you take, purchases
you make or conclusions you reach.
They are happy to refer you to any one of their team of professionals and financial experts - please ask.
Ask@ThePropertySourcers.com www.ThePropertySourcers.com

12. For More Information please contact:
E: Ask@ThePropertySourcers.com
P: 07795 492001