thousands of years men have Over gone to wars over gold, jewels and land. Luckily today Senex can offer a much easier way to acquire these assets. It s time to invest. Natural Color Diamonds Precious Metals Real Estate 1183 Finch Avenue West, Suite 307, Toronto, Ontario M3J 2G2 Canada Email: info@senexwealth.com www.senexwealth.com 1 (855) 49SENEX Fax (416) 661-6408
Letter from our President Board of Directors Brian C. Tobias, President/CEO Nicholle M. Elin, Vice President He who has the gold makes the rules. We truly appreciate you taking the time to learn more about our firm, Senex Wealth Management Corp. Whether you are interested in our wide range of professional services or the possibility of employment, we know that you have choices and we are pleased that you are considering us. We continually strive to exceed the expectations of our clients and associates in distinguishing ourselves as a firm of ethical and professional behaviour, and count ourselves among other firms committing such values on an ongoing basis. Our best source of new business is the word of mouth referrals from our valued clients. We are honoured to have such an outstanding treasury of clients who have provided us with the opportunity to serve them and continue to express their confidence and trust in us. The partners of Senex Wealth Management set an upstanding example of providing service to our clients; therefore, our associates observe firsthand how this culture of service results in exemplary client satisfaction as well as the good feeling that we get for a job well done. Regarding our associates, it is our Partners belief and practice is that we treat each other as we would like to be treated. We find that this common sense approach has yielded an outstanding base of professional associates who embrace our core values and make our firm stronger throughout theirs and our collective careers. We appreciate our associates and are humbled by their commitment to our firm. Personally, I am honoured that the group of partners of Senex Wealth Management Corp., have trusted me to serve them as President and CEO. It is a pleasure to work with so many professionally driven women and men who strive to make our firm the best choice for our associates and our clients on a daily basis. Sincerely, Brian C. Tobias President, CEO Senex Wealth Management Corp. Brian Tobias has spent the last 25 years focused on building the diversified skills to become an expert in hard assets and managing hard asset portfolios. His consulting work for major banks, government entities, and high-net-worth individuals is a testament to his success. Born to a family that emigrated from Scotland that lived through (and learned from) the depression, Mr. Tobias understands the intrinsic value of hard assets, and he has built Senex Wealth Management in order to share that knowledge with a broad base of clients. Because the combination of distressed Real Estate, Precious Metals, and Natural Color Diamonds has consistently created longterm wealth for Mr. Tobias and his family of clients a goal that has remained paramount to him for a quarter of a century he created one of the first hard asset firms fundamentally focused on this triad of hard asset investing and investment diversification. As Mr. Tobias puts it, In my opinion, today s hard asset investment opportunities are the best way to protect and grow your wealth capability in this turbulent and volatile world. And the longevity and preservation of his clients assets is his only mission. Nicholle is our real estate expert, with over 20 years of experience in the U.S. real estate market, mainly focused on the mortgage and loan side of the industry. Through the years, Nicholle has established close relationships with banks, mortgage lenders, mortgage brokers, and real estate agents, and through this extensive network, she provides exclusive access to some of the top distressed real estate in the United States. Nicholle s tenure in the real estate industry has coincided with one of the most tumultuous markets in the history of real estate. Throughout, however, she consistently urged market leadership to seize the downturn as an opportunity for growth. She has consistently redefined what s possible while opening doors to wealthbuilding and leadership for countless real estate professionals. Nicholle s success in an increasingly complex and competitive marketplace is a function of her tenacity, drive, leadership skills, and ability to assemble and empower high-functioning teams. She also possesses a winning combination of an outgoing personality and a creative mind, both of which she puts to use helping clients make the right decisions about which type of mortgage plan best meets their financial needs, helping them to realize their dream of buying or refinancing a home. With astute business acumen, leadership, faith, and compassion, Nicholle has built a personal real estate portfolio with tremendous returns, far outperforming the equity market. She believes that honest, ethical treatment of clients and employees as well as continued evolution to match an ever-changing industry is the secret to reaping great returns. The hard assets specialist.
Mission Statement: Provide investors with opportunities to protect and diversify their wealth through a triumvirate of physical assets Natural Color Diamonds, Precious Metals and Real Estate. Our primary goal at Senex is to protect assets from inflation, declining dollar values and volatile stock markets, by deploying an array of solid, stable investment alternatives. Available educational tools and investor resources enable clients to grow their estate faster and better. L ongevity through Hard Assets. Investment Opportunities Established to provide investors with opportunities to protect and diversify their wealth through physical assets Natural Color Diamonds, Precious Metals, and Real Estate, Senex first and foremost undertakes to provide protection from inflation, declining dollar values and volatile stock markets. Deploying an array of solid, stable investment alternatives and offering educational tools and investor resources, Senex is well positioned to help you grow your wealth better and faster. Today, with paper currency no longer tied to gold reserves or any other physical asset for that matter, both inflation and deflation can wreak havoc on your savings. Over the past seven years, investment in the stock market has been unsuccessful for most, with some barely maintaining values, while inflation generally outpaced any gains. Hard assets, on the other hand, embodying Gold, Silver and Natural Color Diamonds experienced a substantial increase in value! What s more, physical assets,unaffected by inflation effectively result in even more impressive gains As an example, in December 2006 gold was trading at $615 U.S. per ounce and silver was $12.81. In 2013 gold is in the mid to high $1,500 s and silver is back below $30. Although both are off from their recent high prices, each has nonetheless performed admirably over the past seven years. Natural Color Diamonds, too, have been a star market performer in the same time frame, continuing to show 20 to 25% annual gains as indeed the have over the entire past 30 years. Financial experts say that in the near term we are facing volatile markets. By shifting from paper currency-based instruments to tangible assets you ll be insulated from volatility while retaining strong potential for capital appreciation, medium term and long term. Depletion and the closing of mining giant Rio Tinto s Argyle SW Australia open pit operations spells imminent yet lasting upward price pressure on Natural Color Diamonds of which Argyle is responsible for over 90% of world production. Ever since the inception of the concept of finances, tangible assets have been able to provide economic salvation. Senex Wealth Management will help you to build a well balanced portfolio of 20-25% precious metals, 20-25% Natural Color Diamonds, and an additional 20-25% of distressed real estate. This conservative strategy, while loaded with upside potential will steadily increase your wealth while permitting you to sleep soundly at night. It is now possible to take control of your future by letting Senex design a worry-free portfolio that will continue to grow steadily while providing the wealth and insurance that you and your family deserve. Senex means longevity, and that s what we provide: long-term wealth through physical assets.
Invest in Natural Color Diamonds are a girl s best Diamonds friend... why not make them yours too. If there was a stock that never lost value, despite economic downturns, would you buy it? What if that same stock had steadily increased in value over the past few decades? No such stock exists, of course, but there is an investment option that offers such incredible stability: Diamonds, Natural Color Diamonds, and other precious gems are tangible assets that retain their value, making them ideal ways to diversify and protect wealth. Senex Wealth Management has a wide variety of diamond products that can be kept loose or set in jewellery for wealth you can wear. Diamond Color and Clarity Guide As with regular diamonds, color and clarity are important factors in determining the value of a Natural Color Diamond. However, whereas clarity is paramount in determining the value of a colorless diamond, it is the rarity and intensity of color that determines a Natural Color Diamond s value. Natural Color Diamonds can be various shades of: Yellow Orange Red Pink Purple Blue Green Olive Brown Black Grey White Yellow, brown, and grey diamonds are fairly common, while pink, purple, blue, green, and orange are somewhat rarer. Red is the rarest and most expensive Natural Color Diamond of all. Keep in mind, however, there is only a 1 in 10,000 chance that any Natural Diamond will possess any natural color. In addition to the primary color, Natural Color Diamonds may have secondary colors, which will also affect their value. For example, while a pure, vivid yellow would be most expensive, an orangey yellow or brownish yellow diamond would be more affordable, as these blended colors are more common. The secondary color of a diamond affects its intensity, which is a key variable in its value. Intensity Color Chart for Diamonds Intensity of color is the second factor that determines a Natural Color Diamond s value. In order to create a uniform classification system for diamond color ratings, gem analysis laboratories have developed the fancy Natural Color Diamonds color grades. At the darkest end of the color scale are Vivid diamonds, followed by Intense, then Fancy, then Light. The stronger the color, the rarer and more expensive the Natural Color Diamonds. The lighter the color, the cheaper and more common it is. Color Diamond Clarity Chart Like clear diamonds, Natural Color Diamonds are rated on the traditional diamond clarity scale: F IF VVS1 VVS2 VS1 VS2 SI1 SI2 I1 I2 I3 Flawless - free from all inclusions (internal defects ) or blemishes (external defects) Internally Flawless - no inclusions visible at 10x magnification Very, Very Slightly Included - inclusions extremely difficult to locate at 10x magnification Very, Very Slightly Included - inclusions difficult to locate at 10x magnification Very Slightly Included - minor inclusions difficult to locate at 10x magnification Very Slightly Included - minor inclusions somewhat difficult to locate at 10x magnification Slightly Included - noticeable inclusions, easy to locate at 10x magnification Slightly Included - noticeable inclusions, very easy to locate at 10x magnification Included - obvious inclusions, somewhat easy to locate with naked eye Included - obvious inclusions, easy to locate with naked eye Included - obvious inclusions, very easy to locate with naked eye VIVID INTENSE FANCY LIGHT A Diamond is Forever. Unlike clear diamonds, for which higher clarity is better, many Natural Color Diamonds are quite valuable even with an SI1 or SI2 clarity rating because the inclusions (internal defects) are often crystals of the same color as the diamond, creating a more brilliant appearance.
Miracles of Nature Natural Color Diamonds are miracles of nature. They are naturally rare. There is only a 1 in 10,000 chance that any Natural Color Diamond will possess any natural color, whether that color is pink, brown, yellow, blue or any shade in between. Formed billions of years ago deep inside the earth s mantle, Natural Color Diamonds are beautiful, exciting and extremely desirable. Every Color of the Rainbow Natural Color Diamonds have been discovered in every color of the rainbow, from the rare browns to the most rare reds and purples. It is a challenge to try to capture in words the appearance of these exquisite and amazing diamonds. Below is a chart, which, in a general way, clasifies Natural Color Diamonds by rarity of color. It should be understood that Natural Color diamonds often possess a secondary color which may increase their rarity and therefore their value. Very Rare Yellow Gray Three Attributes that Effect Value: #1. The Rarity of Color Although all Natural Color Diamonds are rare, some colors are particularly rare. The rarer the color, the more valuable the Natural Color Diamond. #2. The Intensity of Color The more intense the particular color, the more valuble the Natural Color Diamond. #3. The Size of the Stone If the color and intensity of color is the same, then the larger the stone, the more valuable the Natural Color Diamond. Extremely Rare Pink Blue Green Most Rare Red Purple Orange Invest in Precious Metals Gold has always been a fairly stable asset, but now, with growing demand and dwindling supply, a strong upward spike in short term prices is not out of the question. Let Senex help you to participate in and to profit from today s market conditions and opportunities. original cold, hard, cash... The Gold. three pillars of wealth, Jewels, The Gold, Land. All our Diamonds come with a Gemological Institute of America (GIA) grading report All our Diamonds come with a certified retail replacement value appraisal All our Diamonds come with 14 day full money back guarantee Although currencies today are no longer tied to gold reserves, or perhaps even because of this, gold maintains its position as a strong and stable investment vehicle, always maintaining its value in the face of inflation and declining dollar values. As a tangible asset, gold frequently demonstrates strong upward price moves, even in the short to medium term. The venerable metal has historically been undervalued, and is still relatively inexpensive compared to stocks. Meanwhile, its growing prevalence as an investment tool, coupled with declining supplies, serves to provide ideal conditions which could propel gold substantially higher over the medium term. Senex provides diverse gold products and other precious metals which can provide diversity to your portfolio. How to Invest in Precious Metals Bullion, or bars, is the purest form of metal available for investing and is the safest possible hard asset precious metal investment. Gold, silver, palladium, or platinum bars can be kept in a safety deposit box, home safe, or bonded insured warehouse. Senex Wealth Management offers a variety of precious metal bullion, Contact us today for more information on how you can diversify your portfolio with this safe, stable hard asset.
Precious Metals Precious Metal Prices Civilized countries generally adopt gold or silver or both as money. In 2011, gold is trading at a whopping $1600.00 per ounce; silver, at $30.00 per ounce. These prices represent well over 100% increase in value from December 2006. Had you invested in gold and silver in 2006 rather than the stock market, your portfolio would have profited handsomely in the last 5 years instead of falling prey to the tumult of the stock market and the deteriorating effect of inflation. Silver vs. Gold Gold as an asset is far more stable and far more valuable than silver. The market is larger, and the supply is smaller, leading to higher demand. The smaller market and greater availability tend to make silver a more volatile hard asset silver values can rise or fall greatly seemingly on a whim. Of course, compared to the stock market, silver is the more stable asset, so don t let the comparison to gold steer you away. Silver is a much more affordable hard asset to add to your portfolio, and with the right management, it can provide excellent returns. Silver values have risen well over 100% in the last five years, and, like other precious metals and hard assets, silver holds its value in the face of economic turmoil. Other Precious Metals While gold and silver tend to dominate the market, palladium and platinum also create steady wealth and build value in a portfolio. Palladium is a silvery-white metal of the platinum group named after the Greek goddess Pallas (Athena). Platinum is a gray-white metal of the same group named from the Spanish platina del Pinto, meaning little silver from the Pinto (river). Although these metals are similar, palladium has a lower melting point and is less dense than platinum. Bid vs. Ask Most gold, silver, and precious metal dealers provide two prices: the bid, which is what they will pay for the metal, and the ask, which is what will sell the metal for. The bid is almost always lower than the ask, with the discrepancy attributed to both supply and demand (market conditions) and dealer profit margins. Of course, with prices for gold and silver steadily increasing, bid rates are often greater than previous ask rates. Forms/Types of Precious Metals Investments You can invest in precious metals by buying bars (bullion), coins, or certificates (issued by banks), or by investing in mining companies (buying stock) or gold and metals futures. At Senex, we believe it is hard assets that build and protect wealth, so we deal mainly in bullion. Certificates are becoming outdated because they are not FDIC or CDIC insured, and they are difficult to sell, usually having to be sold back to the bank or to another bank that accepts them. Bullion, or bars, are the purest form of any precious metal and represent the best hard asset investment.
Invest in Real Estate With a history of strong returns, real estate has always been a solid investment option. However, with the recent rash of foreclosures brought on by the credit crisis and sub-prime mortgage collapse, real estate now represents a unique opportunity. These distressed real estate properties need to be returned to the marketplace, and investors can profit from participating in this process. Of course, there are also new developments that require investment, too. Senex has a unique collection of investment properties just waiting to make you money. Buying Distressed Real Estate Not all distressed properties are appropriate for investment. In order to protect your wealth and produce a significant return on investment, you must select your property or properties carefully. Few individuals are equipped to do this well. By partnering with Senex Wealth Management, you get the assurance of our proven process, as well as the benefit of a professionally managed, diversified hard assets portfolio. Contact us today for more information, or check out our currently available properties. Invest in Real Estate We invest in real estate that provides the opportunity to create and capture value. Our near-term focus is on distressed real estate opportunities which currently exist in various markets across United States of America. A unique opportunity that has resulted from the tidal wave of residential foreclosures. The dramatic downturn of the housing market and simultaneous collapse of credit markets have created a demand for mechanisms that help return the massive inventory of foreclosed properties from the possession of the banks back to the market. Far from being a vulture in this space, the SENEX Wealth Management allow investors to participate in a systematic, proprietary methodology that allows nationwide assets to be sold back into the marketplace. The best time to buy real estate was 30 years ago, the second best time is now.
To expand in certain markets even as the overall U.S. real estate market recovers to more normal growth rates. Senex Wealth Management currently operates predominantly in the Sunbelt and western regions where population shifts, immigration and natural increases are fuelling demand for residential, commercial and industrial construction. Our project-based capital placements focus on communities that feature: - High population growth projections and favourable demographics - Strong local job development trends and community plans - Master planning and infrastructure investment that facilitate development - Availability of prime raw land for conversion to residential and commercial uses Process Overview These opportunities are designed to capitalize on the current opportunities in distressed residential real estate featuring: - A proven model for evaluating, acquiring, repairing, and disposing of assets - A proprietary valuation database system that creates accurate valuations - An accelerated rehab and sales process via a national network of realtors and contractors Initiating Projects We research economic and population projections to identify metropolitan areas with favourable growth outlooks, then we drill down to the community and neighbourhood levels to forecast likely directions of growth and new construction. Our network of external contacts helps us source specific possible acquisitions on which we perform initial due diligence and economic analysis. Only those select properties that demonstrate superior potential move to the next step of the process. Gaining Control We then negotiate favourable terms for acquiring the properties. We utilize inspection periods, deposits, options, conditional offers and elements of seller financing to structure transactions in ways that minimize our exposure to possible market shifts or hidden property defects. What is your criteria for choosing properties? To qualify for acquisition, each property must exhibit all of the following characteristics: - Advance successfully through each stage of our rigorous due diligence, risk, and future income analysis; - Be a suitable property to fulfill our mission to promote and sustain Intergenerational Wealth for our Member-Partners families; - Have the potential for revenue growth and/or capital appreciation; - Have the potential to deliver our targeted return on and of investment; and, - Exhibit strong upside potential through filling current vacancies or adding new leasable space, increasing rental rates, and/ or development or redevelopment of the property to produce additional income and value. Natural Color Diamonds Precious Metals Real Estate Risk Disclosure All investments come with the risk of losing money. Investing involves substantial risks, including complete possible loss of principle plus other losses and may not be suitable for many members of the public. Investments, unlike savings and checking accounts at a bank, are not insured by the government to protect against market losses. Different market instruments carry different types and degrees of risk and you should familiarize yourself with the risks involved in the particular market instruments you intend to invest in. Before you begin to invest you should obtain a clear explanation of all commission, fees and other charges for which you will be liable. These charges will affect your net profit (if any) or increase your loss. The placing of certain orders (e.g. exit-stop, stop-loss, etc.) which are intended to limit losses to certain amounts may not be effective because market conditions may make it impossible to execute such orders. Strategies using combinations of positions, such as hedged and straddle positions, may be as risky as taking simple long or short positions.