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"Like many other coup/es our age, we knew that our superannuation wasn't going to be enough to maintain our lifestyle on retirement. So it made sense to look at investing in property, but we weren't sure where to start and if we could afford it. That's why we liked working with Philco Partners: they made the process of planning to secure our family's financial future so easy. Using the strategy Philco devised for us, we plan to pay off our primary property now within 10 years when our original debt was well over 20 years. That have saved us an substantial amount. At the same time as this, we are purchasing an investment property using our income tax and rental income. Our goal is to create an income stream (passive income) and additional wealth for our retirement. We had spoken with other investment companies in the past but it just didn't "feel right". The team at Philco have been honest, open, and available to answer our questions. We love their personal touch. They also explain everything in a language we understand rather than using confusing financial jargon. We recommend them to others because it's clear their goal is to help people achieve financial freedom."

Michael and Francisca Vandenberg

Before meeting with Philco Partners, Leanne and !_already knew we definitely did not have enough money for any reasonable expectation for a comfortable retirement and thought that working for as long as we could and just hanging in there was going to get us by. Our real situation and the outlook was daunting. Prior to dealing with Philco, our main concern was actually who we could trust. We had big issues and didn't know who to get the right information from. However, this all changed when we had our meeting with the team at Philco. It was an eye opener and we were shown a solution that could enable us to have enough money to retire with and not rely solely on the pension. When we learnt what we could do, the expected results were life changing. We could live in retirement with a passive income. Live in a better manor and we would have a better legacy for our daughter. The information was so personalized and tailored for Leanne and my future. Philco really related to us and we felt at ease. There was no catch, basically we have found a company we can trust and we are so comfortable with our choice. As Leanne said, "they are the real deal... Kosher''! There was never any pressure. It was personalised and very relatable. You are really in it to help people and help us. You are who you say you are. Retirement was the biggest worry and now it's not. We now have much better optimism for our future. Philco, we just wanted to say Thank You and let you know that you have changed out future by encouraging us to take the simple steps we did. We have gained peace of mind and are happily will become financially secure.

Peter and Leanne Kenny

Before we met with Philco we had our house on the market and were thinking of selling it. Thankfully we spoke with the team who showed us that the numbers we were working with just didn't add up. We were shown a new perspective and restructuring things was the best outcome. Previously the one thing holding us back was lack of information. We were shown through Philco, that paying off our house in a very short time (not 30 years) was easy and able to be done without affecting our current lifestyle; it was uncomplicated and we felt safe. Knowing the options allowed us to make the choice to help in gaining a better financial future. The thing we liked most about the Philco experience was that we gained knowledge and understanding about our finances because of your straight forward approach and ability to convey the information, simply. It was quick and painless. We were so concerned prior to our meeting because it sounded too good to be true ....what's the catch?? But there wasn't one. You gave us the information and we then sat on it and made our own choice and the benefits have been fantastic. We went from having our house on the market to a complete 180 degree turn around with the perspectives, in the prospect of expanding our property portfolio. Overall for us we were shown an opportunity to do that-the benefit was paying off the mortgage quicker and then buying another investment property quicker. We have been surprised at how well managed the investment property is. We just wanted to let you know, how much of a pleasure it is working with you guys.

Ivan and Beth Theron

We were asked to offer our thoughts on our experience with Philco Partners and the results we have now put to work. In writing this testimonial we wanted to not only send a thank you message to Philco but also encourage others to have what they refer to as “The Conversation”. The “conversation” we had with Philco was an eyeopener giving us a whole new vision of the possible. At that free meeting they open up by saying if the discussion is not for you there will be no further need for contact. The reason they have this discussion is that the do not charge any fees for their services and will not take you on as a client if they find you genuinely do not need to change the way you are preparing for your retirement. Although we both are earning good incomes, honestly, we were in poor shape financially with our debt and savings and out of whack and our budgeting was not working. We understand now how we can buckle down to achieve a more optimistic future for our longer-term needs and also a legacy for our children. Needless to say, our problems have been addressed and we now have a plan. One of concerns was to live comfortably now but also have the same affordability after we stopped having an income. We I’m sure like others want peace of mind that we are well prepared for that no income time in the future. In the past we had been held back by poor advice and a lack of trust in the people we spoke with. From the first time we sat down with Philco we felt they were honest and cared about us. They were there throughout our journey and have put a plan to work that we are confident in. We see a remarkable improvement in our worth over the coming years and once we understood the strategy they planned for us we realised we could not save our way to retirement and also we would not be able to have a planned result trying to achieve worth at the last minute before retiring so we HAD TO START IMMEDIATELY !! We felt at ease with Phil, his knowledge is extensive and the colleagues he introduced us to have given us a stress-free experience. Because of the warmth and honesty shown to us, we are now sharing our experience with friends and family, as we want them to have the secure and stress-free future we are looking towards.

Mark and Kylie Collins

“After dealing with a dodgy financial planner in the past we were fearful, but the team at Philco have given us the confidence to invest. Like a lot of other people we weren’t happy with our superannuation. Working with Philco we now have our own Self-Managed Superannuation Fund (SMSF) with an investment property with our employer and tenant paying it off. We love that! We now have a much brighter financial future for our family. Philco made it easy for us, they are very client friendly and deliver what they promise. We’re very happy with them and look forward to buying another investment property with them in future.”

Rob and Jane Carroll

We genuinely didn’t feel there was an issue financially nor did we really believe we could even do anything prior to meeting with Philco Partners. Once we were made aware of what we would need to survive in retirement without working till our 70’s and trying to make sure we leave a legacy for our kids, we knew we needed to take action. The solutions made sense to us, reduce our mortgage quickly, use tax deductions and finance structures coupled with a property portfolio which will result in retiring in a very good position financially. We found all at Philco Partners easy to deal with, their communication was excellent they have that personal touch. Being able to deal with them face to face made us feel at ease. The education and ongoing support from all including their network partners has been fantastic. Retirement wasn’t really something that we had thought about but now we are comfortable in knowing that we have a strategy in place that will see us and our kids with a secure financial future. The 9 to 5 grind paying too much interest almost working for the bank is long gone. Knowing we have gone from a 30 year loan term down to 8 - 10 years is just the start of what we are on track to achieve in the short term. “Philco Partners have put us on a pathway to Financial Freedom”

David and Elise Dunning

“We didn’t think we were financially ready to invest, but we knew our superannuation wasn’t going anywhere, and our mortgage would be there for our working life (and beyond!). We knew we had to do something about it as no-one else was going to do it for us. From working with your team, we now have a path to investment mapped out for us, with no outlay from our hip pocket. We now have an investment set up in our own Self-Managed Superannuation Fund (SMSF) which has provided us with a tax-free investment and a passive income to boot. We’ve also managed to complete a major home renovation through the actions we’ve taken working with you. You have given us peace of mind. Your team know their stuff, and are helpful professionals who make it easy by taking care of the detail. Our advice to others on investing and planning for retirement? Just do it because it’s never the right time, and no-one else is going to do it for you. We say, Talk to Philco, you’ll see for yourself that they can help.”

Mike and Tina Parker

“We knew we needed to manage our income and spending better and were worried if we would be prepared for retirement. That’s when we came across Philco. From our very first contact with them we felt confident that they coE Wuld help. They gave us honest advice without any pressure selling. Working with Philco means we now have a Self-Managed Superannuation Fund (SMSF) that we have made an investment in. We’ve also purchased another investment property outside of the fund which is doing wonders for our mortgage. In short, it’s going to take us a lot less time to pay off our mortgage, and our retirement outlook has taken a completely new turn for the better. We recommend Philco because they genuinely have ours (and your) best interests at heart.”

Allan and Kelly Luff

We wanted to share some of our experiences with you to perhaps help others contemplating taking action to get them financially to where we are going and maybe where they really need to be. We feel strongly that others should know about the help you at Philco Partners can provide to get them on the same path as we are now on, Having bought a few investments properties in the past, which I may add went quite well we found that the flaw in our investing was poor financial structure. We receive one of those calls!! from a pleasant person on your communication team that invited us to have an obligation free chat and so our journey began with Philco. As the initial experience did not make us uncomfortable, we went ahead to get one of your financial strategies prepared and the results we found were really tailored to our needs. Your showed how to restructure which was a real plus. We are now able to pay down our mortgage with much quicker time frames using our tax and tenancy revenue. The ownership of our investment through you will provide us with an attractive passive income for retirement which gives us greater peace of mind. We would also add that poor advice from a Financial Planner was a big set back for us. Giving us bad financial advice. You took a good look at our situation and provide a holistic look at all aspects of our finances and here we are now looking at purchasing yet another property to add to our worth. Our salaries will not provide us with any of these results. Thank you Philco Partners.

Steve and Julie Szekely

HI Philco we were just toddling along and knew we should do something being referred by one of your existing client helped a lot and gave us a degree of confidence as we had previously spoken to other companies and did not do anything as we felt uncomfortable they were just looking at making $$. What we have achieved since meeting you is quite remarkable. We have 2 properties in a Self-Managed Super Fund a tax driven third property investment that was set up to pay off our mortgage quickly in fact our home will be debt free this year – Amazing, who would have thought that was possible. We look forward to our new property portfolio providing us with a very generous income after we retire and now, we are not relying on the government paltry pension. Janet was more cautious than me being concerned about out of pocket extra expense which we now know was not an issue. The way you set up our lending and payment structure got rid of that worry. It was so timely receiving a note from our friend who gave you such a good RAP that gave us that extra little push, I guess we all need that as we get lazy with our financial needs. Your people explained everything so well, our questions were all answered in a way we could understand and seeing us outside of business hours was a great help as we both work and have busy lives. You have been great to deal with and I intend to tell all my friends. Philco we are going to see you next week for a further property as this letter has motivated us to do more which thankfully, we are able to do. “ We now have a bright happy light at the end of our tunnel and we are so confident three years on, thank you so much”

Andrew and Janet McBeth

It was an absolute pleasure to deal with Andrew and The Philco team. The transition was seamless, and all our nerves were settled at every turn. No phone call was ever too silly or time wasting for them. We are excited at the prospect of working with Andrew and The Philco team in the future and furthering our portfolio.

Rachel McCarthy

We do believe that Philco Partners have helped us in achieving our first step towards our future in wealth. If it wasn’t for their services we would not have ever taken this step in our life at this current moment. Thank you for all your advice and help so far.

T & S Jovanoksi
Thomastown, VIC

During that seminar, Phil explained how many of us are brought up to believe that the best way to get ahead is to pay off your house as fast as you can. Only then it is wise to look at investment. He delivered some home truths about how much longer we can expect to live and that superannuation is not nearly enough to enjoy retirement in the lifestyle many of us are presently in, let alone better it. I certainly wont after all these hard years of raining my family and being a fulltime working mother, be able to have decent retirement with some money to travel and not have to always count the pennies. Being a non-financial person, I just knew I had to seek assistance to plan my financial side of life better. After attending other financial seminars on investment, Philco Partners was the first one that didn’t cost anything, present honest, confronting facts, the outlook for those choosing to stay “unplanned” for the future, the options and how Philco Partners assists people to achieve a low risk investment through new property investment. I know they were right for me. I must admit that I didn’t hesitate in making the leap, even though there was no logical reason for it. I guess it was the “lemmingitis” as Jan Somers calls it in her book ‘Building Wealth in Changing Times” (another fantastic freebie included in this experience). Why wasn’t everyone else doing this if it sounds so good? I now know that some people will just not chance their mind set if it challenges the status quo or required them to move out of their comfort zone. I am really glad I did. My session with the finance company was another “mind blowing experience”. I was presented with a creative approach to restructuring my loans which; - Cuts down the time to pay off my existing home load and - Enable me to purchase a more expensive investment property than I though I would be able to…all without a deposit and - Only having to contribute each week, what I would pay if I ate lunch ina café - A “set and forget: loan repayment schedule After selecting a property, a legal professional helped to sign legal documents. I cannot speak more highly of the professional and dedicated service from experts in their fields – all of which help make up the Philco Partners experience I had and will continue to enjoy, as I look forward to purchasing property investment number two, three, four and five.

Marie Rosier
Beaumaris, Vic

Attend the seminar with a positive attitude and expand your knowledge. It all seems unreal, but believe it. Research your options and make a decision. Move on it immediately and don’t listen to negative stories. Trust your advisor, he is working for you. Take a chance!

Linda De Kuyper
Prahran, Vic

My Wife and I are in our early 50’s, and like so many others have neglected our future thinking there was going to be a pension. The team at Philco opened our eyes and Introduced us to our future in property Investment, and as new comers we were very green around the gills, but the Philco Team assisted us from start to the finish and made every transition an enjoyable moment. The professionalism and dedicated service we received from The Team was a reward in itself. We are now waiting for our second Investment property to be built and none of the above would have been possible if it wasn’t for the Philco experience. Thank you so much.

Tony McPhee
Brisbane, Qld

At our mid forties and looking at the future, superannuation looked bleak. Introduction to property investment with this financial package certainly opened up the future to a totally new horizon. Within the first four weeks of this process, retirement funding may have changed past our wildest dreams, we look forward to the future, thanks.

R & J Bibby
Endeavour Hills, VIC

Our first contact with Philco was via a cold call which in most cases I usually decline. On this occasion there was a level of integrity in the call which led me to meet directly with Phil. It proved to be well timed as I had wished for some time to set up a SMSF and Phil was able to demonstrate in a logical and practical way how investing in residential property both within and outside of a superannuation fund could be affordably achieved. The point of difference that resonated with us was that Philco insisted that the proposed investment had to be financially sustainable from the outset. I recall several investment properties being considered before one was recommended that best suited our needs. Working with Philco has proven to be the step that has allowed us to take control of our own superannuation and become more actively involved in its investment strategies. Without Phil's advice and support it is unlikely this would have occurred.

L & J Watts
McDowall, QLD

A finely balanced investment strategy into property acquisition which we would not have achieved using conventional methods.eo.

G & S Mandarano
West Footscary, VIC

My wife and I were both hesitant at the beginning but were put at east by both the caring and professional manner of all the people we dealt with.

N & T Middling
Delahey, VIC

Philco’s initial seminar and follow up consultations clearly explain out options to move towards a wealth creation strategy and their introductions to other specialists for continuing advice and help with actual action was just what we needed.

B & V Davies
Clarendon, SA

I have been to many financial meetings, I found the Philco system the best and this was largely due to Phil at the introduction meeting. The follow up gave us the confidence to go further, which we did. The finance meeting and selection of a residence, the lawyers compiling of the paperwork. I can assure anyone apprehensive, relax, listen to the professional people and make your decision with confidence.

Barry Reed
Frankston, VIC
We have over 25 years experience.
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