Our Property Portfolio Plan

Investing in property is a BIG financial and personal decision. It’s really important you make wise decisions as you embark on this journey, as getting it wrong can result in both financial pressure and emotional stress. Yet doing nothing about building your retirement nest egg could be even worse.

Fortunately at Empower Wealth we have an experienced team of qualified property investment advisors with proven track records, who can greatly increase your chance of success. Using a proven property investment planning process, our team has helped guide hundreds of fellow Australians embark on or fine tune their property investment journeys to build a wealthier tomorrow.

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Clients Testimonials

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Who is the Property Portfolio Plan for?

Anyone interested in building wealth through investing in property
Established Property Investors – the benefits of this sort of review are enormous; the knowledge around cashflow into the future ensures you can make better informed decisions in adding to your property portfolio
First Home Buyers – establish your level of affordability in knowing what you can borrow and what amount you can purchase for
Those looking to refinance their current home loan – this review will highlight the benefits of refinancing and if it is really worth it in the first instance
Those looking to consolidate their debts – this review will clearly show the potential improved cashflow benefits of any proposed debt consolidation your household may be considering
All households or individuals keen to build greater passive wealth outcomes – a review of this nature provides a greater understanding of what’s possible for those serious about making a REAL difference to their wealth

If you are interested in learning more about our Property Portfolio Plan, book a complimentary appointment with us.

How it’s made?

Clarify

Evaluate

Plan

Implement

Manage

In the free initial consultation, we get a deep understanding of your goals, financial position, and future plans. This is made possible via the completion of the Online Fact Find form in our app Moorr.

Once we are clear that we can help improve your financial position, we move on to an initial strategy meeting with you to:

Prioritise goals
Discuss cash flow variations
Explore scenarios
Chat about general property investment

This is when we embark on plan development and analyse what strategy would best fit the goals you have in mind. During this stage, there will be strategy development meetings and presentations if/or as required.

We finalise your strategy and review the overall written plan one final time. This is followed by a plan meeting with your advisor to ensure that you are fully across everything. At this stage, we also ensure that you have set up MoneySMARTS and it’s working well for you.

What is the use of a plan if it isn’t monitored? This is where you track cashflow forecasts, and we’ll organise milestone date reviews as your accountability partner. Of course, as with life changes, the plan will be refined if/or when required.

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“What excites us even more about the life changing property investment planning process we undertake with our clients, is that these plans aren’t just about the next investment property purchase, they also factor in possible upgrades or downsizes of the family home, renovations, holiday homes purchases, reviews of existing property held, future family plans, etc. Effectively our plans are a whole of wealth approach to help households design their ideal lifestyles, plan for it, and most importantly make it happen”

Ben Kingsley – Founder of Empower Wealth

What’s included in the Property Portfolio Plan?

Using Empower Wealth’s purpose built proprietary ‘Wealth Simulator’ software combined with the experience and knowledge of our qualified finance advisors, this assessment incorporates a detailed list of forecasted variables and assumptions to deliver insights into your:

Cash flow projections at retirement and for the next 40 years
Debt tracking, including debt elimination forecasts
Interest savings calculations
Taxation estimates
Surplus cash flow options for enhanced wealth creation
Asset position projection
Nest egg projection (the wealth position that will provide you with income for the rest of your life, post retirement from work!)
Superannuation position
Forecast wealth projection at retirement age
Forecast income projection for your retirement
Graphical illustration of what your future wealth position looks like

To help you understand our Property Wealth Planning services better, Ben Kingsley, Empower Wealth’s CEO & founder has recorded a video (at the top of the page) on what we offer, what type of household this plan suits, how the plan is constructed, and what kind of information it provides.

If you are interested in learning how this Property Portfolio Plan may suit your own household, book a complimentary appointment with us by filling in the Book an Appointment form.

What do our clients think?

Brendan was engaging and thorough in his analysis and projections. I would highly recommend the service to anyone who wants a clearer understanding of the financials involved with building a property portfolio.

Michael, NSW

I was a skeptic – who is as interested in my own financial situation more than me? BUT I know professionally there is value in talking to people who have experience (I only look at our finances, The Empower team looks at many). So I took my own professional advice and most definitely was rewarded. The experience knowledge and learnings that the team have applied to this model and plan is first class.
The entire customer experience has been fantastic, collaborative, easy, even fun. My husband and I had one main question we wanted answered in the short term and Rachel delivered a measured analytical response in a very timely manner. This gave me a great deal of confidence in the process and the model, which of course has eased my concern over our future. I look forward to all future interactions with the Empower Wealth team and am definitely considering using other services.

Terri

Outstanding property partner — A to Z service are extremely valuable for me (plan, broker, purchase and rent). I will be purchasing a property with Empower Wealth soon and plan to continue working with Empower Wealth to execute my property plan.

Anthony

I’ve purchased three houses and was looking for a fourth. Buying a house is a daunting task, it’s time-consuming and scaryI stumbled upon the Property Couch podcast and listened to many episodes. I was impressed with the clarity of information even though I worked in financial services.So I thought I would test the waters. I signed up and used the Morr platform. It is a great platform to determine cash flow etc.I then did a property financial plan Polly was awesome! This was useful because it showed a better way to get to my goals.I had to get finance and Alana and her team were easy to deal with.I then used the buyers agent – Christa was delightful, thorough and pleasant. They also were able to refer me to a conveyancer.Then to rent it out, well I knew no one in the area I bought, but Christa Was able to refer me to an agentSo far my agent has been really great.The process has been delightful and I’m hoping the journey and the end result are just as rewarding.V&J MR NSW “

VJ MR, NSW

I had been thinking about coming to Empower Wealth for a plan for two years before I actually took the leap; and for those two years, I was listening to the podcast religiously and used the learnings to help me buy my first property (a unique, old apartment). After making the jump into doing a plan and having my thoughts about selling confirmed, I was eager to take action and sold my place and purchased a house in about 6 weeks. It was very fast! Throughout the process, I felt extremely supported by Ben via the Plan and Brad via the Mortgage Team and his excellent team. I received compliments from my conveyancers that they were completely proactive and on the ball! I am so happy that I have a plan for the future.

Candice, QLD

Frequently Asked Questions

What is your Property Portfolio Plan about?

The short answer is, it’s a road map to what you want to achieve when you retire and how you can achieve it by investing in property. It’s so much more than that though, so find out more here: What does our Property Portfolio Plan include?
What do you think about us making a holiday house our first investment property?

We think it’s the worst idea ever – unless you are on track to make a surplus $200K income per year continuously after your holiday house repayments are subtracted! Come and have a chat with us to find out why we are so anti-holiday house purchase as a first investment.
How will I be able to afford more than one property?

Through a careful combination of capital growth prospect forecasting and cash flow planning – with a cautious buffer for provisioning. Each property is considered based on affordability, ongoing management and maintenance costs, gross rental income (now and future), and capital growth prospects. The property which we buy now is deliberately intended not to adversely impact your borrowing capacity for the next one, and so on.
How do investors deal with tenant issues?

They interview their property managers like any other employee whom they would entrust with the running of a business. It’s always a shame seeing an investor meticulously select and buy a property, only to hand it over to the first managing agent who comes along.
Shouldn't we pay down our home first before going into more debt?

What you should do first and foremost is talk to an experienced and accredited finance specialist. It’s true what they say about good debt and bad debt, and it’s vital to get the right information that fits your your specific situation. Talk to one of our investment mortgage specialists to find out more.
I would love a new car. Should I do that first and then think about investing?

NO! Talk to us first. Would you choose to upgrade an asset if you knew it would cost hundreds of thousands of dollars of lost opportunity?
What do you think of buying off-the-plan for investment purposes?
We consider all assets on their merits – taking into account your motivation for considering them and more importantly the impact on your cash flow and future wealth. As a general rule of thumb, we are very cautious about off-the-plan investments and our primary reasons for applying caution are as follows:
- Many are sold directly by developers and advice around their performance is sometimes pitched as ‘free’. If anyone is giving you ‘free’ advice, you need to ask yourself if it is independent, unbiased advice, and whether the advisor or their company is getting a commission, kickback, rebate, or other interest from a potential sale.
- Banks are often tough on ‘off-the-plan’ sales. We don’t like assets which banks don’t like. Full stop. If it’s hard for you to buy, it could be hard for you to sell. These all have a flow on effect on the growth potential of an asset so we do tread cautiously.
- A sudden release of a large number of similar or identical units/apartments can compromise the values (both rental and sale values) of the asset. To compound this, if a vendor has to make a distress sale, the lower sale price will have a direct effect on the value of your asset.
- We typically prefer assets with higher ‘land-to-asset ratios’. Come and chat to us about what types of assets fit this preference.
How do you justify the Property Portfolio Plan’s price?

Property is a high value transaction and making one mistake can mean tens of thousands of dollars lost, be it in terms of actual loss realised, capital growth missed out on, or even opportunity cost. Furthermore, this can often mean irreversible damage to one’s household. So often people build up their property portfolios only to find out later on that they are equity rich but cash poor, and therefore unable to realise their goals and dreams.

At Empower Wealth, we have seen these portfolios and fixed them on behalf of our clients. Imagine how much better off they would be if they had gotten their portfolio strategy right in the first place! Our Property Portfolio Plan aims to do that. It involves hours of calculations and several meetings to ensure we understand your unique situation, cash flow position, assets and liabilities, and most importantly, your aspirations. We aim to make sure you start your investment journey on the right foot and remain on track in achieving a passive income for you and your loved ones.

Considering everything mentioned, we believe our Property Portfolio Plan offers great value for money.
Are your services only available in Melbourne and Sydney?

Our Property Investment Advice and the rest of our services are available across Australia! We’ve got offices in Melbourne and Sydney if you would like to meet face-to-face, but appointments are typically conducted online. More than 30% of our clients are based outside capital cities.