Until Now This is what just one of our clients had to say

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www.cignagroup.com.au E: [email protected]

Until Now… This is what just one of our clients had to say…

“My Friends Laughed When I Told Them I Was On Track To Paying Off

My Home Loan In 9 Short Years While Building Up A Property

Investment Portfolio Of $2,000,000 Using No Cash – Until I Sat Down

And Showed Them How…”

From the desk of Kent Leicester, Cigna Group, Melbourne.

Dear Friend,

Every Australian aspires for a better life. You want to pay off your home loan, achieve “financial freedom”, banish money worries, and live a great life. After all, it’s the great Australian Dream, isn’t it?

But sadly, for most people, this will be but a pipe dream.

The “average” Australian will work for 40 years while sending their kids to school, paying off their mortgages and trying to save something for their retirement and hoping the Government will pick up the shortfall via the pension.

But the facts are pretty stark.

The population is ageing. The Federal Government, worried about how it’s going to fund pensions (and its own huge public sector superannuation liability) is steadily putting up the retirement age. So forget retiring at 65. It’s already moving up to 67 and you can be sure it’ll keep going up.

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Pensions are funded by tax payers. And frankly, with a rapidly ageing population and a low number of new tax payers entering the workforce, the money pool is shrinking. So if you don’t at least own your own house and have substantial capital on the side, those wonderful dreams of a happy retirement could be just that. Dreams.

Forget going on those expensive holidays. Get used to waiting in long queues (sometimes years) for “free” medical help if you need to go to hospital. Want to move into a retirement home? Well, you can forget that too as most cost more than the average home.

It’s your responsibility to look after yourself. Believe me, the Government isn’t going to do it. And it’s not fair to place a burden on your children or other close family.

Now some of you might be thinking, “I’m young and nowhere near retirement, so this doesn’t apply to me…” and you’re right. Your goals might well be different. You might want to build up assets that provide an additional income so you get to choose your working hours, have better holidays, pay your kids’ school fees or whatever else you can think of doing with the money.

You may simply want to pay off your mortgage faster and save hundreds of thousands of dollars in interest payments to your bank.

Whichever camp you fall into, one thing is clear. Money does make the world go round and while it

doesn’t bring happiness, it can certainly bring you comfort and peace of mind!

So if you’re an average hardworking Australian with an average income with all the usual expenses like a mortgage, car loans, kids etc., how can you go about creating assets which will help you grow your wealth over the long term?

Quite simple. You must start using your current money to make more money. Or in other words, become an investor.

Now you may be thinking, “I don’t have any spare money at the moment… everything is taken up paying the bills as it is.” But don’t worry, we can still show you how you could start down the steady investment path with what you’ve got. We’ll help you restructure your current finances so you can take advantage of the Australian Taxation system as well as other methods to finance your growth and independence.

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More on that later, but first let’s talk about how you can go about creating wealth through investing…

Traditionally, there are two types of investments.

Shares and Property.

Each has its place depending on your investment strategy.

Shares can make you a lot of money very quickly, but as various global downturns have shown, you

can also lose it even faster.

Property investment, on the other hand, is a safer, surer method of creating long term, lasting

assets and wealth.

Let’s look at some reasons why…

It all comes down to supply and demand. There is and will continue to be a housing shortage in every major city and regional centre in Australia.

And while owning your own home is the Australian Dream, 30% of the population rents. According to the Australian Bureau of Statistics, this 30% figure has been pretty consistent since 1971, so is unlikely to change anytime soon.

So what this means for you as a smart investor is you’ll have a tenant who helps you pay for your investments!

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The shortage of land has also led to property values doubling (on average) every 7-10 years. Now while this is not always the case, if you buy well, your property will go up in value, increasing your assets.

Still interested? Good.

How The Cigna System Can Help You Increase Your Wealth…

Let’s start with where you could be if you put our strategies into action.

Our goal is to help you pay off your existing home loan in less than 10 years while building up a property portfolio worth around $2 million.

We do this by consolidating your loans (home, cars, credit cards, personal loans) to reduce your repayments and the interest you pay. We’ll then take that cash you’ve just freed up and apply it to your home loan, rapidly paying it off.

For example a $300,000 loan at 7.07% over a standard 25 year term will have you paying around $2,134 to the bank per month. So you end up paying around $640,126 (or more than double) back. Good deal for the bank. Not so good for you!

Let’s say we free up enough cash for you to increase your payments to $3,494 per month. You’ll effectively pay off your home loan in 10 short years and save $220,000 in interest. Not bad!

At the same time we’ll help you buy investment properties to increase your

long term wealth.

Remember, our goal is to have you create a property portfolio worth over $2 million in 9 to 10 years. A portfolio which will enable you to have choices when it comes to how you live your life, be it right now or in retirement.

Exactly how we go about this is beyond the scope of this document. Suffice to say our strategy involves helping you buy solid investment properties in the “right areas”. We do this by heavily researching areas for high capital growth potential and future performance.

We only recommend brand new properties as we work on a model of high depreciation which increases your tax deductions and as a result it makes the property cheaper for you to own. And new properties don’t need renovation and constant maintenance making them a better proposition than an older property.

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The properties we recommend for you are all designed to return maximum capital growth over the shortest period of time. Capital growth is how you get wealthy long term.

How you can get started…

We understand that investing in property is a big decision especially if you’re a first time investor. Therefore we’ve put together a road map of how we can work together to help you every step of the way.

The first step is to schedule a no obligation consultation with one of our

consultants.

Conducted in the comfort and privacy of your own home (or office if you desire), we’ll spend between 45 and 60 minutes together discussing your goals and how we could help you. It’s primarily a getting to know each other session to see if you’re comfortable with us and also for us to judge whether we can help you.

Assuming you’re comfortable and qualify for our

system, you’ll need to commit to spending a day with us in our offices where we’ll go through a full program involving financial planners, finance brokers and/or accountants to develop a strategy with you about how you are going to move forward positively.

Our partner Finance Brokers educate and offer solutions about debt consolidation options and improvements and provide advice on structuring your affairs in the most efficient way. We introduce strategies that will enable you to pay off your home mortgage much faster than normal and show you how you can utilise government tax incentives to divert up to $10,000 every year from the tax that you pay to put towards accumulating more assets.

This day in the office is booked in within 2 weeks of the initial consultation.

Should you wish to proceed, become an investor and grow your assets and wealth, we’ll then put the process into gear to find your first investment property. Depending on the property chosen settlement can be anywhere between 6 weeks and 6 months. In the meantime you’ll have already started down the road of consolidating your debts and paying off your current home loan faster.

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Here are some common questions we get asked regarding property

investment and our answers.

“I don’t know anything about investing in property and have heard stories of people losing their money”

Relax, we’ve got you covered. Investing in property is not rocket science. There are some rules and techniques involved in restructuring your finances, borrowing correctly and buying well. We’ll hold your hand through the whole process so you’ll never be alone.

“We’re not on high incomes and don’t have a lot of disposable cash at the end of

the month”

With our property investment system you don’t need to be corporate high flyers. In fact most of our clients are average Australians in “normal” jobs. To take advantage of our strategies you will need a combined household income of $80,000 or more and $120,000 worth of equity in your home.

“I’m concerned about the economy, the European Debt Crisis and how it’ll affect us”

First of all, our economy in Australia is strong. And regardless of the state of the economy, people still need a roof over their heads. Frankly the best time to buy assets is when the market is depressed. Markets always rebound and house prices generally rise. The key to successful investing is to “buy well” which is exactly what we help you do.

“We’ve seen horror stories on shows like ‘Today Tonight’ or ‘A Current Affair’ talking about bad tenants who trash properties and I don’t want to get caught!” Thirty percent of the Australian population rents. The vast majority are excellent tenants who look after your property and pay their rent on time. Yes, you get the occasional bad apple, but we help you minimise your risk by using good property managers who rigorously screen tenants and conduct reference checks.

In addition, landlord insurance will cover you for damage as well as a period of vacancy between tenants.

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“I know someone who has an investment property and no tenants so it’s costing him big time!”

The average Australian vacancy rate is around 2%. There are 7 million permanent renters in Australia, so there’s no shortage of renters. Generally places that fail to get renters are in undesirable locations or have other issues such as the property being unmaintained and unliveable.

The properties we help you choose are in good locations near infrastructure such as shops, schools and transport or in fast growth regional areas where there is a lot of industry and housing required.

“Interest rates are on the rise. Is this a good time to invest?”

Interest rates rise and fall in a continuous economic cycle. Of course you could wait till they come down, but it’s always better to start investing no matter what the conditions, than do nothing at all. And look at it another way, when rates go up, so do rents so you don’t lose out.

“Can investing in property help reduce my tax bill?”

Absolutely! Did you know that every expense associated with your investment property is tax deductible? You can offset real expenses you outlay cash for (insurance, mortgage interest, repairs council rates etc.), reducing your assessable income. You can also offset depreciation of the building and fixtures.

In other words, the Government encourages you to invest by giving you tax breaks to do so. After all it’s in their interest to make you self-sufficient.

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What sorts of Australians Use The Cigna System and Will it Work For

You?

The vast majority of our clients are just like you. Average, hardworking, aspirational Australians who just want a better life, less financial worries and are willing to do something about getting it. Here are some common examples of people who rely on our help to get a better life.

Everyday families who feel trapped into a long term mortgage and would love nothing better than to pay off their home faster.

Let’s face it. Life is tough. And when your mortgage repayments consume 30 or more percent of your household income, you watch interest rates like a hawk and cringe every time they go up.

You desperately want to own your own home, but with all your other living expenses, debts like car and credit cards, paying off your mortgage faster seems unimaginable.

And if someone suggested you should find some “extra” money to invest in property, you’d think they were mad!

Which is exactly where Cigna comes in. Our unique system of debt consolidation and property investment allows you to pay off your mortgage in 9-10 years and build up a property investment portfolio worth a couple of million dollars at the same time.

And for those of you feeling overwhelmed with the pressures of life, working 2 jobs, being “mum’s taxi”, relax. The Cigna System takes all the stress and hard work away. We help you get finance, select your investment property, negotiate the purchase on your behalf and then find a great property manager to look after it. With Cigna we’ve got your back.

Fence Sitters who know they need to do something, but don’t know where to start There are so many different types of investment

opportunities constantly being touted. Which one should you take? Will it work or will you lose your shirt?

Given just how many schemes have spectacularly failed in recent years leaving people high and dry with no hope of recovering

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their money, it’s no wonder you’re cautious. And you’re right to be so!

However with the Cigna Group you’re investing in a time honoured reliable way. Unlike shares, Property or bricks and mortar is a tangible asset which when selected correctly appreciates in capital value.

Using our system we walk beside you every step of the way and cover all the bases from consolidating your debts, getting the best type of loan, selecting good quality properties which are likely to steadily appreciate in value, finding good quality tenants while rapidly paying off your current mortgage and becoming debt free.

High Income Earners Looking For Ways To Reduce Their Tax

I don’t know about you, but I’ve never met anyone who willingly wants to pay more tax. Yes, paying tax is a social responsibility and if we want services from our Governments we need to pay for them. But if you don’t take every step to

legally minimise what you pay, you’re short changing yourself. After all it’s your money and you should be in a position to decide what to do with it.

The Australian Taxation system is geared towards rewarding people who make investments. So every expense related to earning a living and creating assets using investment properties is tax deductable.

What this means for you is you can offset any expenses related to buying and maintaining your investment property against your normal salary, hence reducing the amount of taxable income and tax you pay.

Let’s take a common scenario for illustrative purposes…

Say you earn $100,000 per year. Given current tax rates, you’d expect to pay approximately $31,000 of that in tax.

With an investment property your income would include rent from the property taking your annual assessable income to $120,000. But a property comes with expenses – around $40,000 (of which $20,000 may be in hard cash, the others being depreciation, and other non cash expenses.)

Subtracting $40,000 from $120,000 leaves you with $80,000 worth of “assessable income” on which you’ll pay around $24,000 tax, saving you $7,000!

And of course as you buy more properties, you get to deduct more expenses and pay even less tax. In some cases the Government will even end up owing you a big tax refund!

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Of course, all this is predicated on applying the Cigna Group’s investment system where we help you select the right properties for maximum growth and investment returns.

Professional Investors who’re looking for even better returns.

For a professional investor time is the major

consideration. Researching areas, finding good quality properties, negotiating price, getting more finance, managing the properties all takes considerable time and resources.

You need great relationships with financial lenders, real estate agents (who alert you to good buys), property managers and developers. While you may have relationships in one area of Australia, it’s difficult to cover every area of growth.

The Cigna Group team can help you with greater coverage. Our experts in finance, real estate selection, as well as our relationships with developers can give you the edge while helping you buy back your most precious commodity, time.

Australians transitioning to retirement and self-funded retirees

If you have a Self-Managed Super Fund (SMSF), did you know you could invest in property through the fund?

No? Well changes to Federal Legislation in 2007 mean your SMSF can invest in both commercial and residential property. And even more importantly, borrow the money from commercial lenders.

So why would you want to use your SMSF

rather than buying property in the traditional manner?

The simple answer is minimising your tax bill and eventually removing it entirely! Let me explain…

Income generated in your Super Fund is taxed at a flat 15%, compared to a top marginal tax rate of 46.5%. So right off the bat you save up to 31.5% in tax – which means more money in your retirement fund – rather than the Government’s coffers.

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You don’t just win on the way in. You get tax advantages on the way out too.

If you decide to sell the property before retirement, you’ll only be up for 10% Capital Gains Tax (rather than up to 46.5%).

And once you retire, not only will any rental income be entirely tax free, but you won’t fork out for Capital Gains Tax either.

You also get a couple of other major benefits when purchasing property within your fund. As the fund is a separate legal entity, money borrowed through it won’t affect your personal capacity to borrow, which gives you greater flexibility in your personal investments.

Don’t already have a Self Managed Super Fund?

The Cigna includes expert Financial Planners and Accountants who can set it up for you and make sure you get the maximum benefits from owning property in your fund.

Business Owners looking for powerful ways to leverage their assets

Rather than putting your profits in the bank where it earns a measly rate of interest, use your money to invest in property and get more leverage.

Busy with your business? Don’t have time? That’s exactly where the Cigna Group comes in once again.

Use us to do your research, set up your finance, select your property and appoint a property manager who’ll help find tenants. You get to leverage your time and your money to build up additional assets and streams of income.

And of course, all the normal tax deductions apply and if you already have a Self Managed Super Fund, all the better.

Who Are The Cigna Group and Why Should You Trust Us?

You may well be thinking all this talk about paying off your debts and creating a property portfolio worth millions of dollars is hype. There have been a lot of scams, failed investment clubs and high profile collapses over the years and naturally wonder if you could be falling into the same trap through working with us.

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My name is Kent Leicester, one of the directors of the Cigna Group.

After graduating with first-class honours in business from the University of Waikato, NZ, I started working for one of the top 4 consulting firms and worked in several of the world’s most reputable investment banks, earning a very good living, but completely bored and unhappy with my job in the process, realising that all I was doing was lining someone else’s pockets day in, day out, working long hours and sometimes having long commute times to the office. I started to educate myself about HOW property investing

works, and then found myself spending most of my days in front of the computer (at my office still!) reading and researching all I could to learn more before purchasing my first property.

However I still did it on my own, without any guidance from an expert, and made mistakes along the way.

The first property I bought was a 20 year old 3 bedroom house in a seaside town for $315,000, because I liked the area and used to go there a lot on holidays.

I figured this was as good as any as an investment! How wrong I was. I quickly found out that I had bought at the height of a property boom, in an area where there were lots of homes on the market, and as such a bit of an over-supply of rentals.

A decent rental return was hard to get and the place seemed to always need a lot of maintenance. I got next to no depreciation benefits (or tax deductions) because it was 20 years old and everything was worn, and this coupled with the low rental return meant that the cost to keep this place was more than $200/week in real terms.

I hadn’t done my homework prior, or my numbers to really work all this out, and it was bleeding me dry. And with the poor rental return, this impacted on my serviceability with the banks and limited me in being able to borrow more in the future to grow my portfolio.

So I decided to sell the property after about 2 years. Again, as I’d bought at the top of the boom, the market was going through its natural period of slump/stagnation after the boom and I only was able to get around $290,000 for it on sale.

I decided to cut my losses and move on, but this was the biggest lesson I had learnt in my investing, and I learnt it the hard and expensive way!

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Thankfully that was many, many years ago. Since then I’ve personally bought and sold more than 70 properties and generated a reliable and solid buy and hold portfolio of growth properties in the right areas.

I started Cigna Group as a result of my experiences and learning’s about how to invest successfully, leverage your assets effectively, and make use of the beneficial tax laws in relation to owning investment property that are freely available to you.

Now, I’ve assisted everyday investors to purchase more than $50million worth of property and built portfolios that will not only help them pay their homes off much faster, but that will provide them a constant, reliable and guaranteed income stream for the rest of their lives.

Many of these people were your normal ‘mum and dad’ average Joe couples and families, who were first time investors, and now have multi-million dollar investment portfolios.

Here’s what a few of our clients had to say. People just like you…

Our Eyes Were Opened To The Possibilities!

“We came to Cigna because we wanted to refinance our home loan, reduce our credit card debt and put aside money for

our kids and future. We knew we wouldn’t have enough Super to retire on and wanted to create a nest egg both for ourselves, as well as help our children if necessary.

The people at Cigna really opened our eyes to what was possible. They made us see opportunities to invest we haven’t seen before.

Cigna helped us with restructuring our finances and worked with our bank to get the finance approved. We’ve never invested in property (and really didn’t know how to) until

the Cigna Group showed us the way. It’s all new to us, and a big decision. We put our trust in them and with their advice and knowledge, we were able to invest in a property in Queensland which recently settled. We had a tenant in within a month, so we’re on our way to a better financial future.

Now that we’ve been through the process and come out the other side, we’d definitely do it again and re-engage the Cigna Group to help us through the process.”

Georgette & John Allet

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They are genuine people that have their clients’ best interest at heart

“I was looking to do something with the equity in my house when I saw an ad from Cigna talking about how I could use my equity to invest in property.

I met with Cigna who went through my goals for the next 10-20 years, what lifestyle I wanted and how much I wanted to invest. They then came up with a practical

solution to help me get there.

We looked at a number of suitable properties and never felt pressured to move forward at any time. (Which was in complete contrast to a another mob I’d spoken to previously who were all about hard sell and getting me to sign up).

Cigna’s process is very good and their follow up worked very well for me. They are genuine people that have their clients’ best interest at heart.

I’m very happy with Cigna and would happily recommend them to anyone. They’re doing a great job and I expect to be working with them for years to come.”

John Moffat

We’ll achieve our dream to become financially independent

“Our whole aim is to become financially independent and with Cigna’s help and knowledge we’ll achieve this dream. We have around $200,000 left to pay off our mortgage which on our current plan would have taken us 14 years to pay off.

We’re both on mediocre wages and a few years ago nearly lost everything. So we’ve been through financial hardship. We’d spent a lot of time thinking about how we can make it better for our future and never get in that situation again.

Cigna explained in great detail (with a lot of patience) how we could secure our future if we were willing to be in it for the long haul. They showed us things we’d never seen with any other financial company we’d spoken to.

In the beginning we were quite fearful and almost pulled out a couple of times. However, in hindsight, we’re very happy to have had the courage to follow through. It was one of the best decisions we’ve made.” Natalie & David Natoli

We're very happy with our investment! We're now the proud owners of this property

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Cigna took our knowledge about property investment to a whole new level

“We were looking to invest in property when we came across Cigna. We knew the fundamentals of using depreciation and equity to free up money to invest. However Cigna took it to a new level with their education and their process.

We already had an investment property that we had purchased through another company. The company charged us a hefty fee to find the property and we know we paid too much for it and got the distinct sense they were after a sale and a fast buck.

Cigna were quite different. They are very nice people and very knowledgeable. They made us feel comfortable each step of the way and showed us a process which is really simple and works a treat. Cigna restructured our loans really well and we were able to use our preferred bank. We’ve had a tenant in the property a few days after settlement, and the rent is really good.

I must admit, I wouldn’t have bought in this area, if it wasn’t for Cigna, but the return on my investment is great. If I get the opportunity to buy another investment property in the future, I’ll definitely would go back to Cigna and follow their advice.” Paul & Nicole Souris

Your Next Steps…

You need to decide. Decide whether you’re happy with the status quo of your life and where you’re at financially.

If you’re on track to meeting all your financial goals and know you’ll have a great life, congratulations and all the best for your future.

However, if you have that nagging feeling you’re not going to end up with the life you want, free of everyday money worries, constantly struggling to pay the bills and wondering how you’ll be able to go on great holidays (without going into massive debt), help your kids get a great education and financial start in life, you need to decide. Decide right now that you’ll change something and take action towards meeting your financial goals.

And frankly, that action DOES NOT involve getting advice from your family and friends unless they’re already fabulously rich!

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Becoming wealthy is a process. It takes discipline. Yes discipline. You have to put certain proven strategies into place.

Strategies which include: Reducing your debt Reducing your tax

Using the freed up money to invest in long term property growth

And it’s never too late to start. No matter what your age or your current circumstances, make a decision to start investing. It’s your future at stake.

Call us now on 1300 811 233 or email:

[email protected]

to make an

initial appointment so we can get the ball rolling.

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As you can see it’s an easy no obligation start so you can get to know us and

us you.

Once we’re both comfortable with each other and if you qualify, we can design and implement a tailored strategy that will help you pay off your home loan while building up an investment property portfolio of around $2,000,000 in 9 to 10 short years.

Your first step is to decide you want to be financially independent and debt free.

Schedule a no obligation consultation with one of our Specialist Consultants.

Conducted in the comfort and privacy of your own home (or office if you desire), we’ll spend between 45 and 60 minutes together discussing your goals and how we could help you. It’s primarily a getting to know each other session to see if you’re comfortable with us and also for us to judge whether we can help you.

At this stage we will collect some basic financial data from you to determine whether you qualify

for our system.

Assuming you’re comfortable and qualify for our system, you’ll need to commit to spending a day with us in our offices where we’ll go through a full program involving financial planners, finance brokers and/or accountants to develop a strategy with you about how you are going to move forward positively.

Our partner Finance Brokers educate and offer solutions about debt consolidation options and improvements and provide advice on structuring your affairs in the most efficient way including setting up a Self Managed Super Fund if required. This day in the office is booked in within 2 weeks of

the initial consultation.

We introduce strategies that will enable you to pay off your home mortgage much faster than normal and show you how you can utilise government tax incentives to divert up to $10,000 every year from the tax that you pay to put towards accumulating more assets.

Should you wish to proceed, become an investor and grow your assets and wealth, we’ll then put the process into gear to find your first investment property. Depending on the property chosen settlement can be anywhere between 6 weeks and 6 months. In the meantime you’ll have already started down the road of consolidating your debts and paying off your current home loan faster.

You will never be alone during this process. We recognise investing in property is a big step and commit to holding your hand and supporting you now and into the future.

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You have a clear choice. You can decide to act, take our advice and become wealthy, or you can decide to leave your fate to chance and keep doing what you’re doing and hope for a different result.