Baby Boomers and Real Estate

Some 76 million babies were born in the United States in the 18 years after World War II. In 2006, these American children range in age from 42 to 60 and are facing retirement. The question on people’s minds—from the highest levels of government to the individual families who will be most affected—are Baby Boomers’ assets adequate for a secure future?

While all Baby Boomers are not alike, it is important for each of them to be proactive in planning for future security. Whether you plan to work for 20 more years or 10, PDS can help you develop an individualized plan for new or enhanced real estate investments that will offer the returns you want when you want them in the future. The time to act is now.

PDS offers several approaches specifically tailored for you – investing in the GRIP program, which offers a guaranteed annual dividend, or investing in real estate, planning for a longer-term investment.

Where do you want to be financially in 10 years?

Our aim is to provide clients with a secure investment strategy that helps achieve long-term security for your and your family.

The goals of building a real estate portfolio are…

• FINANCIAL FREEDOM - to achieve financial independence
• FAMILY SECURITY - to provide for a comfortable retirement
• PASSIVE INCOME - to generate a second income

How old are you now and what level of income do you need to provide for you and your family? How old will you be in 10 years? Think about all the possible expenses that you may face 10 years down the road.

Have you considered the effect of inflation on your retirement planning?

Would you be interested in an investment that is designed to provide a large return from a modest investment? How involved would you like to be in the management of your portfolio over the next 10 years?

At PDS, we start by getting to know you and your goals.  Then we go to work for you to tip the balance in your favor.

Are you preparing for you and your family’s future security?

Whatever stage in life you are, PDS can help you develop an approach to financial security that minimizes risk and maximizes return. The following are essential financial action items for investors of various ages.

In your 40s…

1. Diversify investments.
Expand your investment options to provide a mix of higher-return and more secure investments according to your plans for retirement.

2. Develop an estate plan.
Avoid probate and set up a Living Trust so more of your assets go to your heirs, not the IRS.

3. Analyze employer benefits.
Make sure that you're using your benefits to the best advantage, including retirement plans, insurance, health coverage and even group discounts.

4. Continue to build education funds.
Anticipate the cost of higher education for your children and evaluate your plans for building a fund to pay for their education.

In your 50s…

1. Evaluate and update retirement plans.
Decide where and how you want to live after your retirement and explore your financial needs to meet these goals.

2. Diversify your investments.
Evaluate your retirement savings and expand your investment options, if needed, to balance future growth with current income.

3. Think about long-term health care.
Plan your savings and insurance to protect yourself or your spouse should either of you require health care for an extended period.

4. Review your estate plan.
Work with an advisor to develop or review a plan for your property and assets, including your Will, trusts, liquid assets and gifting.

5. Analyze employer benefits.
Make sure that you're using your benefits to the best advantage, including retirement plans, insurance, health coverage and even group discounts.

In your 60s…

1. Re-evaluate budget and cash flow.
Creating a budget is crucial to fulfilling your plans for retirement. Be sure to plan on a reserve for emergency situations when evaluating your needs.

2. Review your Will and Living Will.
Changes in your family or other circumstances make it important to regularly review your plans for your property and your medical care.

3. Review your estate plan.
Work with an advisor to develop or review a plan for your property and assets, including your Will, trusts, liquid assets and gifting.

4. Consider income-producing investments.
Depending on your risk tolerance and retirement cash needs, explore higher-return investments with your advisor.

The PDS Advantage

The advantage of working with PDS is that we enable you to invest a modest sum to build you a real estate portfolio. An initial investment of less than $200,000 may allow PDS to source and then manage properties for you amounting to a $5-6 million portfolio.

The PDS difference…

1. Once we have built your portfolio, the equity in it will be greater than that money you have invested – instant profit!
2. All income from the portfolio is yours.

With PDS, you own the portfolio. You hold title to all its properties while we coordinate management of them for you. We source additional properties for you, but you have major input on where we locate the real estate. With the help of the experts at PDS, you can become proactive in maximizing the value of the portfolio and securing your financial future.

As a Baby Boomer living in a home that has appreciated, can you afford to let that money sit there idle? Investing it with PDS is a secure way to provide a financial return in 10 years, whether your goal is to retire to your dream home or simply to pay off your mortgage a lot quicker.

Contact PDS to explore your portfolio potential. There are no obligations and information is confidential. See how an hour of your time now can be so rewarding in the future.