Where Would You Like To Be At 65?

Can You Survive Retirement?

Most Australian’s can’t afford to retire when they want.

The pension is $356 per week – just $30 above the poverty line.

Plus, Australian’s are living a decade longer than the average age in 1975, so we need a larger retirement fund to support us for a longer life expectancy.

How We Help

Free Financial Planners is a service to help people achieve wealth through different methods while removing the common obstacles of affordability, time, risk, and knowledge.

Not just property

We are linked to certified financial planners and licensed real estate agents, over 30 major lenders and various companies – giving us the resources and expertise to assist with:

  1. Multiple investment options
  2. Tax planning strategies
  3. Financial planning
  4. Financing opportunities
  5. Tax minimisation
  6. Mortgage reduction
  7. Refinancing
  8. Risk management
  9. Creating Self-Managed Super Funds
  10. Setting up Trusts
  11. Present and future financial independence
  12. Minimise tax exposure
  13. Reduce current debt
  14. Build wealth
  15. Choosing the best performing investment properties
  16. Implement risk management strategies

Strategies That Suit You

In addition to being able to secure some of the safest and most profitable investment properties in Australia, we can also help you build wealth through other investments such as equities trading and more.

Overcoming Common Hurdles To Wealth

Hurdle 1: Inflation

Whenever you save money, even if you earn interest, it’s actual spending value decreases over time and you don’t end up with any more than when you started, in fact it’s usually less.

This begs the question – what’s your super really worth? How far will it go when you retire?

Hurdle 2: Dead Money – Tax

How Much Tax Will You Pay In Your Remaining Work Life?

Current Threshold 10 Years 20 years 30 years 40 years 50 years
$20,000 $3,420 $6,840 $10,260 $13,680 $17,100
$30,000 $22,420 $44,840 $67,260 $89,680 $112,100
$40,000 $45,470 $90,940 $136,410 $181,880 $227,350
$50,000 $77,970 $155,940 $233,910 $311,880 $389,850
$60,000 $110,470 $220,940 $331,410 $441,880 $552,350
$70,000 $142,470 $284,940 $427,410 $569,880 $712,350
$80,000 $175,470 $350,940 $526,410 $701,880 $877,350
$90,000 $212,470 $424,940 $637,410 $849,880 $1,062,350
$100,000 $249,470 $498,940 $748,410 $997,880 $1,247,350
$110,000 $286,470 $572,940 $859,410 $1,145,880 $1,432,350
$120,000 $323,470 $646,940 $970,410 $1,293,880 $1,617,350
$135,000 $378,970 $757,940 $1,136,910 $1,515,880 $1,894,850
$150,000 $434,470 $868,940 $1,303,410 $1,737,880 $2,172,350

sourced from www.taxcalc.com.au

Hurdle 3: Dead Money – Interest

How Much Interest Will You Pay On Your Loan?


On a traditional mortgage, the amount of interest you end up paying is more than double the amount borrowed – and usually takes 30 years to repay.

That’s a big chunk out of your equity…

Hurdle 4: Deposit

OK so let’s say you know all this and want to buy an investment property but getting the deposit is an issue? Read on for the solutions below.

Our Solutions

Solution To Hurdle 1 – Inflation

Putting your money into something that increases in value is the solution to staying ahead of inflation.

There are various ways to do this, and you can discuss it with our financial planners for free. Property is one of the favourite ways because it is a very passive type of income, plus it’s an actual roof over your head for generations.

Solution To Hurdle 2 – Tax

Taking advantage of tax rebates rather than let them go to waste makes sense right?

There are varied tax rebates available when purchasing new property for investment, in fact they can go towards paying up to 20% of the entire property. Normally this tax is obviously money going nowhere, so why wouldn’t you put it towards your future?

Solution To Hurdle 3 – Interest

We Can Help Restructure Your Loan To Save You Time And Money


Most people are aware that getting a lower interest rate will help, but a lower interest rate isn’t enough compared to getting a different type of loan or restructuring into a new type of loan.

Free Financial Planners will offer a qualified Credit Representative to see which product, if any, would best suit your needs.

Solution To Hurdle 4: Deposit

If you want to buy property but don’t have enough savings for a deposit there are other sources that won’t leave you out of pocket.

  1. If you are already paying off a mortgage or own your own home, then your equity can be used as a deposit.
  2. If you are renting, you may be able to use your Super.
  3. If you can’t afford property in either case but interested in making your money go further in other ways, we can still help.

Talk to one of our financial planners to discuss which option is right for you.

Funding Your Retirement With Property

The average increase to house prices in Australia has been 7.25% per year.



(figures rounded down for illustration purposes)
The equity alone on just 2 properties can be enough to retire on in 15-20 years, unfortunately that equity is normally gobbled up by the interest by then. That’s why it’s important to have the right loan structure as well as the lowest interest rate.

Pay For It Without Your Own Money

You don’t need to be out-of-pocket to buy an investment property – in fact they pay for themselves or pay you.

 

  • Use current equity or super for the deposit
  • Your tenants pay around 70% through rent
  • The tax man pays around 10-20% through tax reductions
  • Your savings on interest or loan restructuring could pay the remaining 10%

 

And depending on the property you buy (we always aim for positive geared) and your financial situation – you could even get an immediate passive income instead.

Even If You Have Pay A Little?

You would still have a house and land in the end for at least 90% less.

To put it another way, compare it to a savings account: If you put away $30.50 a week every week for 22 years, instead of having $35,000 which won’t be worth as much by then with inflation – you would have something worth $350,000 even if there was no increase in value since you bought it. However going by the average 7.25% increase per year, that would bring the value up to $1,521,988. That’s the equivalent of turning your $30.50 into $1330 every week.

Why Property Is Australia’s Most Popular Investment

  • Very secure and reliable
  • Easy to understand and manage
  • Very tax effective
  • Usually paid for by someone else
  • Provides inflation proof income for life

Steps To Successful Property Investment

Our properties are researched by a group of experts to be a successful investments based on:

  • Price to value
  • Potential growth location
  • Rental income / yield
  • Insurance for loss of rental income or damage by tenants
  • Property management
  • Exceptional re-sale value

Making sure the above boxes are ticked can be a lengthy and risky process – why bother?

The Complete Solution, Completely Free

Why risk 100’s of hours of time and vast sums of money when you can get experts to help you for free?

You can compare up to 3 different companies with us. Their financial planners can also help you protect your assets through setting up a trust, create better performing self-managed super fund, restructure loans or determine if other investment strategies would best suit you. We are bound by law to only present a solution or property if it is in your best interests.

Get a financial planning process designed for you, whether that’s property or other strategies,
and receive advice and pitfalls on all wealth creation opportunities that interest you.

Talk with us