Putting Aside Savings For Your Retirement? Big Mistake!

Do This Instead And You Could Enjoy A ‘Designer Lifestyle’ And Early Retirement

From: Nick Lockhart

Dear Friend,

Claire of Canberra had an idea what she wanted in her financial life, but no idea how to make it happen.

She had reviewed investment sources in the past and found many to be overly technical, confusing and in some cases, downright condescending.

And then Claire heard about our PROP service – the Personal Results & Options Plan we offer on a complimentary basis as part of the mrd Customer Care Program.

So she requested a PROP and was assigned her own specially appointed mrd property mentor, Catherine.

Within 60 minutes, Catherine helped her understand how different properties and scenarios add to Claire’s cash flow… including a step by step plan for how Claire can retire by age 45!

Now Claire has a clear path and a better understanding of how to execute her financial plans… without sacrificing a comfortable lifestyle.

Conventional thinking among younger Australians is that retirement is a far off event not worthy of much consideration… often until it is too late to do anything about it. A widely held myth is that if we work hard our superannuation along with the pension and possibly some cash savings will adequately fund our retirement lifestyles.

These figures do not provide much confidence for working Australians, however:

• According to the Australian Bureau of Statistics, the average Australian superannuation account for people aged between 65 and 69 is only $71,000 (ABS study, 2007).
• The current maximum pension payment is $16,749.20 per year (Centrelink, March 2010). That’s $322.10 per week!
• The Australian Government has plans to push the age of retirement, before one qualifies for a pension, out to 67.

Turmoil on global financial markets these past few years have left many who were diligently pumping their money into managed investments feeling vulnerable and exposed. Cash savings in a bank account rarely keep pace with inflation, making saving for retirement a virtual impossibility.

The vast majority of Australians simply “run with the pack”. However, they don’t consider the possibility of early retirement without having to sacrifice a “designer lifestyle”.

Q. How many people do you know that stop and consider exactly how much money it will take for them to be able to retire?

Q. How many people do you know that have actually decided upon their retirement age? Remember, there is nothing that says we have to work until we are 65 or 67… we can stop working as soon as we can afford to stop working!

Q. Why is it that so few people ever consider the steps needed today to make their retirement goals a reality (i.e. until it’s too late)?

Yes it’s an old cliché but the millions of Australians who find themselves unable to fund a dignified retirement did not plan to fail… they simply failed to plan!

This is why at mrd – as part of our Customer Care Program – we offer a complimentary and no obligation “Personal Results & Options Plan” (PROP).

The PROP is a confidential one-on-one appointment with YOU. It’s a highly informative and even enlightening process designed to set you up financially… once and for all!

With residential real estate as your investment vehicle we will actually demonstrate before you the huge impact small decisions today can have on your lifestyle options tomorrow. This involves investing in the right property, at the right price, with the best cash flow outcomes.

Using our own in-house proprietary software, the PROP allows you to literally build your very own financial wealth (or retirement) plan in three steps:

Step #1: Find out where you are right now financially. We’ll pin point the assets you currently own (if any)… your debt levels (if any) and income. Then we punch them into our software.

Step #2: We’ll ask you precisely when you want to retire. By what age would you like to be retired?

Step #3: And then finally we’ll ask you precisely how much money you want to retire on in today’s dollars. Is it $70,000 per year, $100,000 or $150,000 or more? The decision is up to you!

Once your property mentor inputs those values, all that’s left is to input your “assumptions” about the property market (such as how fast you expect property values to rise, interest rates and so on).

Then all you do is sit back and watch the software work its magic! Without using complicated jargon or unnecessarily detailed financial analysis, your property mentor will show you if your goal really is possible. And if not, what steps would remedy this!

No smoke or mirrors! No “pie-in-the-sky” theories! Just the practical steps you’ll need to take to bring your dreams into reality… and… choose when to quit working and start “designer living”… underpinned by residential real estate equity.

There’s more…

The PROP can also help you gain clear insight of the ‘ripple effects’ different scenarios that take place today can have on your future.

Want to know what effect paying off your loans sooner could have on your retirement income? We can show you.

• Want to know what effect adding two properties… three properties… or more on your retirement could be? We can show you.
• Want to know what it means for your future if interest rates skyrocket? We can show you.
• Want to know what it means for your retirement if property values rise faster or slower than what you expect? We can show you.

And you’ll see instantly before your eyes how these affect your lifestyle options in the medium term… and well into your retirement years!

This kind of financial analysis is critically important… yet… most investors NEVER do them. By the end of the PROP you’ll know answers about your financial future almost nobody finds out for themselves.

Get A Step By Step Plan Designed For You

• You’ll finally get clear on your retirement target. Again, I’m not referring to you turning 65! Remember retirement is possible at any age so long as you can stop doing what you’re currently doing and still afford your lifestyle!
• You’ll have a precise step by step plan of how to achieve financial independence. And if circumstances, situations and/or conditions change in the future we can redo the PROP with you to reflect those changes… and ensure you stay on track and focused.
• Confused whether you should sell property and use the cash for managed funds, stock market or any other investment vehicle? Or whether you should use the money to buy a business to fund your lifestyle? We’ll show you how to decide for yourself.
• You’ll walk away knowing the answers to those questions you have about residential real estate as a retirement vehicle; empowered to make right decisions for you and your family.

Is The PROP For Beginners As Well As Experienced Real Estate Investors?

Absolutely! It doesn’t matter if you’re young or old, a seasoned property investor or beginner, if you’re a wage earner or self employed… if you’re wealthy or barely earning minimum wage. The PROP is designed for most people – of all persuasions – to get clear on the steps needed to enjoy a secure and easy retirement. If you can answer “YES” to the following then the PROP is for you:

1. You are currently employed;
2. You have equity in an existing property or access to someone else’s equity, eg a relative;
3. Alternatively, if no equity, you have a cash deposit;
4. You are serious about setting a plan for your future to ensure better lifestyle choices in the medium term… and ultimately a secure and comfortable retirement.

We’ve had seasoned investors come back to us time and time again to redo the PROP because of the many valuable insights they gain from it.

Are you starting to understand why people who have taken advantage of the PROP report that it was one of the most enlightening financial steps they’ve ever taken?

Well, the benefits don’t end there…

All Our Property Mentors Are Successful Investors First and Foremost

This is yet another critical distinction that sets the PROP and the mrd philosophy apart from everyone else – all our property mentors are highly successful investors themselves. They “walk the walk” and “practise what they preach”.

Real Time On Your Computer Screen – No Need To Leave Home

The PROP is performed over the internet and everything appears LIVE on your computer screen. While sitting in the comfort of your own home, you will see your property mentor input your financials and the specifics of your retirement goal into the software, and will watch the outcome live on your screen. In no time at all you’ll have a clear roadmap of how to bring your goal into reality.

What’s different about the PROP is your property mentor will ‘show you’ not ‘tell you’ how to take action.

If we were to “sell” the PROP to our clients, we could easily price it at $1,000 or more (and in fact, companies that offer a lot less of an analysis than the PROP do just that). However, as part of the mrd Customer Care Program we make this service available on a complimentary and without obligation basis!

There’s more to the PROP…

After seeing a realistic and workable plan to secure your financial future unfold in front of you, your property mentor will run various “what if” scenarios for you.

For example; “What If”:

• You want to quit working 5 years sooner?
• Instead of retiring on an income of $75,000 per year you prefer to have at least $105,000 per year.

In a few seconds you’ll see on your computer screen what you need to do today to bring these into reality.

Ask Anything You Want About Your Personal Financial Situation

As you’ve seen the PROP really is a system we’ve designed that will allow you to tailor a plan for your future based on your unique situation. It usually takes about 60 minutes to walk you through the PROP. I say “usually”… because… the PROP also has a very “un-system-like” aspect to it.

That is, any questions you have about real estate… attaining finance… refinancing… securing new investment opportunities… your financial future… your children’s financial future… taxes… anything whatsoever regarding how you make your financial dreams a reality sooner, ask it on the PROP. Your property mentor will happily discuss with you whatever is on your mind. Where a question goes beyond what a property mentor is qualified to answer, however, he or she will seek answers from or refer you to someone qualified to answer you.

The PROP is Perfectly Tailored to YOUR Situation

The personal tailoring doesn’t just apply to your financials. Like, for example, recently a client I’ll name “Carla” had a very specific question regarding a tax ruling – an obscure tax ruling as an accountant she wasn’t certain about. And when she called the ATO even they had conflicting advice!

During the PROP Carla asked her property mentor, Doug, about this and he offered to put her in touch with an expert that could give her a clear answer. He also told Carla exactly how he personally went about getting a private ruling from the ATO on a similar issue for himself.

On the PROP you’ll also be shown:

• The five easiest and safest retirement options available to you as a property investor, and the impact of each on your personal goals.
• Why it is not always a good idea to pay off your debt (how to use mrd advanced financing strategies to retire earlier).
• The basics of a financial retirement plan that feeds you cash flow that can be responsibly used for travel… lifestyle and an easy retirement.
• The single most important factor that determines your net worth at retirement (capital growth).

There Is Absolutely NO SELLING. None Whatsoever.

Like all the staff at mrd, our property mentors are NOT polished salespeople but rather an incredible source of knowledge and support for anybody seeking to begin, and expand upon, their own investment property journey.

You’ll find we have created a safe and friendly environment where you can engage with a property mentor, ask questions and discuss your goals… without fear of us interpreting your desire to learn as a licence to sell you something. That’s a promise!

No Technical Jargon To Confuse You

If you’re not into technical jargon, or complicated spreadsheets that are almost impossible to read, you’re going to love the PROP. It’s so simple and easy to understand!

At the end of your PROP you will be armed with only the information you need to know – how to fund your lifestyle without having to work… and… at the age of your choice, rather than waiting till you turn 65!

We even make capital gains tax… costs of inflation… cost of interest repayments and every other required cost to work out your net figures easy to understand. And we bring it all together for you in simple to understand English.

It doesn’t get any better, or simpler, for that matter.

Reports and Colour Graphs Make It Easy To Understand

After the PROP is concluded, you’ll probably want to talk to your partner about your future. That’s why you’ll also receive a series of easy to understand reports and colour graphs demonstrating the steps required to reach your financial goals, taking into account all costs with holding a particular property (such as managing fees, insurances, vacancy rates, tax benefits and so on). You can refer back to these tables and graphs at any time to reassess how far you have come on your journey towards financial independence.

Some mrd clients are pleasantly surprised – and even amazed – that we can capture and simplify their entire financial future in as little as a few graphs and reports. Well, we do because we want to make it simple for all our clients to grasp the power of the insights you’ll gain in the PROP.

An Illuminating Process You’ll Find Invaluable

As you’re now aware, the PROP is an invaluable and illuminating process. And it’s why I recommend it to all mrd clients.

… If you have questions regarding your financial situation and investing in real estate, ask them during the PROP.

… If you have a dream of retiring even younger than you’ve always hoped, tell your property mentor and you’ll be shown if that goal is achievable… and if so, how to go about bringing your dream to life.

… If you’re worried about any aspect of your wealth building, bring it up in the PROP and your property mentor will guide you to your best solution.

… If you want to know how to live off your rent, we’ll show you which year in your future you can actually make that happen.

Cost is Complimentary. Value Is Priceless.

Please do not let the fact we offer the PROP on a complimentary and without obligation basis sway you into thinking the PROP is not valuable. While many companies charge thousands of dollars for financial plans less detailed to that of a PROP, mrd makes this offer as part of our Customer Care Program… free of charge! Our underlying philosophy is to keep education free, wherever possible… empowering clients to make fully informed buying decisions that are right for them.

Even if we were unable to continue to offer this service free of charge indefinitely, it would still be priceless in that the PROP will give you a roadmap that’s about as clear and concise as is possible, on how to achieve your financial dreams … without a crystal ball.

Parting Thoughts For You To Ponder

When it comes to retirement, time is your enemy. But so is lack of information; especially the right kind of information. Without the insights you’ll get in the PROP, how will you know if you’re on target to achieve your retirement goals?

Without the PROP, how will you know if you’ll be in the same situation millions of Australians are slowly finding themselves in today – unable to retire because they don’t have themselves set up in retirement? And so, their only options seem to be:

1. Go back to work
2. Live off handouts from the government
3. Live off handouts from the kids

I’m sure you’ll agree – none of those options are attractive!

So, if you’re considering saying “no” to my offer, or pushing it back “to do another time”, what will it mean for your future? Your family’s future?

What will happen if you don’t gain the kind of clear information about your retirement the PROP will give you?

Will you just stick your head in the sand and hope for the best? Millions of Australians have already done so, and you know what a mess they’re in financially.

The sooner you get the complete ‘picture’, the better you’ll be able to create the best financial security for yourself and your family.

Here’s the good news: The PROP will get you onto the path of a secure and safe retirement.

And it takes far less time than you think! mrd property mentor Martin Bell set himself up for retirement in under 9 years – and he started late in life from a very “average” position.

Limited PROPS Available At Any One Time

As always, the mrd style is NOT to pressure you in any way. I only ever want you to feel comfortable with your decisions. So, if you’re not ready to speak to an mrd property mentor – and attain the peace of mind and clarity the PROP can give you – it’s ok. We’re here for you when you’re ready.

If, however, you understand the value of the PROP and how it can be an indispensable part of your future, I urge you to call our office or fill in the box below to lock in your interest.

We have over 10,000 people receiving our weekly newsletter – and only 4 property mentors to conduct PROPs. At best each property mentor can only conduct 5 or 6 PROPs each per week… spaces are therefore limited!

So, please, for your future’s sake – act now.

To secure a PROP all you have to do is call our office on (07) 5580 8888 or fill in the application below.

Warmly,

Nick Lockhart

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