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Empower Wealth offers two personalised property planning options: the Property Pathway Plan and the Property Portfolio Plan.

Each plan is designed for a different stage of the property journey. To help you understand which option may be right for you, we’ve prepared a comparison schedule below.

You can also learn more about both plans on our Property Plans page here >



Property Pathway Plan Property Portfolio Plan
Executive Summary & Key Recommendations
- Clear summary of your strategy and next steps
- Recommended property actions and sequencing
- Proposed lending structures and funding approach
- Quick-reference section for future decision-making
Fundamentals of Money and Finance
- Sources of Money
- Committed Money
- Household Surplus
- Money Control
Current Financial Review
- Review of Personal Financial Fact Find
- Assessment of current Account Structure
- Assessment of current Equity and Cash Flow Surplus / Deficit
Review of existing investment property as an optional add-on - per property (tax deductible)
Review of all existing investment properties included in the plan (tax deductible)
Baseline Scenario (“Do Nothing”) Analysis
- Full breakdown of your current financial position
- Assets, liabilities, income and expenses
- Future assumptions and projections
- Identification of risks and possible shortfalls
Strategy Scenario Modelling
- Side-by-side comparison of baseline vs recommended strategy
- Projected wealth, equity and income outcomes
- Impact of each decision on your financial position
Sensitivity to changes in income, expenses and timing for the next 10 years
Sensitivity to changes in income, expenses and timing up to retirement
Recommended property actions and sequencing to your next property milestone
Recommended property acquisitions and sequencing through to retirement
Timeline modelling to your next property milestone
Timeline modelling through to retirement
Property Investment Strategy (Multiple properties)
Cash Flow & Yield Modelling
- Before and after-tax cash flow projections
- Monthly and annual cash flow impacts
- Taxation estimates based on your scenario
- Scenario testing, including offset account impact
- Behavioural targets to stay on track
Debt & Lending Strategy Modelling
- Personal vs investment debt breakdown
- Debt reduction strategy over time
- Sequencing of debt repayment
- Interest savings calculations across different scenarios
- Comparison of debt outcomes across strategies
Retirement Income & Wealth Position
- Forecast income sources in retirement (property + super)
- Superannuation position and projected contribution to retirement
- Net wealth position at retirement
- Long-term financial independence projections
Exclusive Online Report & Tools via Moorr
- Portfolio tracker
- Graphs supported by detailed underlying tables
- Scenario toggles, such as offset account impact
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