Special report on using income property investing to generate future wealth.

1. Safeguard your
retirement with
real estate.
Phil Levy, REALTOR®, CA DRE Lic # 01850664
Intero Real Estate Services
Not intended as a solicitation if your property 28225 Newhall Ranch Road
is subject to a Listing Agreement with another Valencia CA 91355
broker 888.706.5389
www.jpscvrealty.com

2. Not intended as a solicitation if your property Phil Levy, REALTOR®, CA DRE Lic # 01850664
is subject to a Listing Agreement with another Intero Real Estate Services
broker 28225 Newhall Ranch Road
Valencia CA 91355
888.706.5389
www.jpscvrealty.com
Did you know that nearly half of Americans aren’t saving a dime for retirement? According to a recent survey
conducted by financial services trade association LIMRA, about 49% of Americans say they aren’t contributing to
any retirement plan. This trend is disturbing, especially considering that millions of Americans are relying on Social
Security and other government programs to provide retirement income. The reality is that these programs just won’t
be able to provide the retirement you deserve. Additionally, many people who are saving for retirement are unfamiliar
with individual retirement accounts (IRAs) and how they work. In fact, nearly half of the questions posed about IRAs
in the LIMRA survey were answered incorrectly. But a lack of understanding shouldn’t prevent anyone from preparing
for his or her future.
49%
An IRA is simply an investment account that’s protected from most
of Americans are taxes and liability. Of those investing through an IRA, the vast majority
does so through a bank, credit union, savings and loan, or other IRS-
not contributing to approved institution that invests it in stocks, bonds, and mutual funds.
any retirement plan. But the IRS also allows you to use an IRA to invest in real estate. It’s
called a Self-Directed IRA.
Investing in real estate, by comparison, can give you much greater returns. The graph below compares the return on
investment (ROI) for the stock market with the ROI (cash-on-cash return) for real estate from 2000-2011:
Return On Investment: Stock Market vs. Real Estate 2000-2011
$200,000 This graph depicts the
difference in return on
investment between the
S&P 500 and real estate
$150,000
Real Estate
from 2000-2011 (Aug.)
Real Estate
Initial
$100,000 $201,815
Investment Stock Market Positive 101.8%
Stock Market
$50,000
$76,200
Negative 23.8%
$0
© 2012 Charfen Institute. All Rights Reserved.
The reason for this boost in returns is simple: cash flow. Cash flow—in the form of rent—keeps the money coming in
vafter all expenses have been paid.
In addition to a greater return, real estate has offered less volatility than the stock market over the last 40+ years, even
though stocks are often considered a more conservative investment vehicle. A look at real estate appreciation rates over
the last 40+ years shows that there have only been 4 years of negative appreciation. The lowest was -13% in 2008.
Disclaimer
© 2012 All Rights Reserved. The above brokerage assumes no responsibility nor guarantees the accuracy of this information and is not engaged in the practice of law nor gives legal advice. It is strongly recommended
that you seek appropriate professional counsel regarding your rights as a homeowner.

3. Not intended as a solicitation if your property Phil Levy, REALTOR®, CA DRE Lic # 01850664
is subject to a Listing Agreement with another Intero Real Estate Services
broker 28225 Newhall Ranch Road
Valencia CA 91355
888.706.5389
www.jpscvrealty.com
By comparison, the S&P 500 has had a Residential Real Estate Appreciation Rates 1969-2011
total of 11 years of negative appreciation 15
12
with a drop of nearly 40% in 2008. 9
6
So how can you start leveraging your
Appreciation Rates
3
retirement savings with real estate? The 0
first step (whether the funds are in a 401(k) -3
-6
or a traditional IRA) is to roll them into a -9
self-directed IRA. There’s no penalty for -12
doing this and, as its name implies, a self- -15
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directed IRA (SD IRA) allows you to direct
the investment activity of your retirement © 2012 Charfen Institute. All Rights Reserved.
funds. Unfortunately, self-directed IRAs are
even less understood than traditional IRAs.
S&P Appreciation Rates 1969-2011
Financial institutions are often reluctant
to communicate the SD IRA option to
35%
30%
25%
investors because it’s less profitable for 20%
15%
them to manage and fewer institutions are
Appreciation Rates
10%
5%
proficient at handling it. 0%
-5%
-10%
But don’t let this stop you from securing -15%
-20%
your retirement. Using a SD IRA to -25%
-30%
invest in real estate gives you the choice -35%
-40%
of how to invest for your retirement, not
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a financial institution with little to lose if © 2012 Charfen Institute. All Rights Reserved.
the investment doesn’t pan out. Relying
on Social Security and other government programs when our working years are done is simply not enough. There’s
a much better way. Investing in real estate the right way can provide immediate cash flow and build wealth in the long
term, so you don’t just retire well—you can retire wealthy!
Investing in real estate the right way can provide immediate cash flow and build
wealth in the long term, so you don’t just retire well—you can retire wealthy!
If you’re interested in giving your retirement a boost and diversifying your investments, I can help find you favorable
properties and point you in the right direction. I have specialized training that includes investing in real estate for
retirement and can show you why it’s a popular strategy of experienced investors. It’s much simpler than most people
think.
I can tell you more about the process and refer you to the financial professionals on my team who can help you start
building your retirement wealth. This method is certainly more proactive and lucrative than leaving your retirement
funds in the hands of a financial institution and simply hoping for the best.
Disclaimer
© 2012 All Rights Reserved. The above brokerage assumes no responsibility nor guarantees the accuracy of this information and is not engaged in the practice of law nor gives legal advice. It is strongly recommended
that you seek appropriate professional counsel regarding your rights as a homeowner.

4. Not intended as a solicitation if your property Phil Levy, REALTOR®, CA DRE Lic # 01850664
is subject to a Listing Agreement with another Intero Real Estate Services
broker 28225 Newhall Ranch Road
Valencia CA 91355
888.706.5389
www.jpscvrealty.com
START SECURING YOUR RETIREMENT!
As a Certified Investor Agent Specialist (CIAS) designated agent, I can easily
help you navigate the investment real estate market and Unlock a World of Real
Estate Wealth! I’ve built a team of incredible real estate professionals that can
help you before, during, and after your acquisitions to help you minimize risk
and maximize your returns.
Don’t get caught with low or no retirement funds! Start planning for your
future now! It’s more possible than you think. Take advantage of the record-
low home prices and fixed mortgage rates—act today!
Visit my website for pre-analyzed investment deals, helpful articles, and videos
that address some of the common issues listed in this report.
Call me today, and secure your future!
Disclaimer
© 2012 All Rights Reserved. The above brokerage assumes no responsibility nor guarantees the accuracy of this information and is not engaged in the practice of law nor gives legal advice. It is strongly recommended
that you seek appropriate professional counsel regarding your rights as a homeowner.