Who am I

First and foremost I am a regular woman like you, an avid believer in self development, an active property investor and the proud business owner of Property Empowerment. There is no magic or extraordinary circumstances which have lead me to where I am today, only the decisions I faced, the commitments I made and the resulting actions I took.

I am sure that like many of you, I always wanted more from life, I knew there was a better, more purposeful way to live and I found the freedom I craved sitting right under my nose, disguised as property investing.

What do I do?

I am fortunate enough to do what I love for a living..

Imagine a life of financial independence, a life of wealth, freedom and choice where you too can discover your divine purpose, to do what you love for a living and to contribute to your message, your cause.

For me it's empowering women in their finances, which is a catalyst for empowerment in all other areas of their lives. So they too can become financially independent, become authentic and inspired to share their unique message, their gift, their purpose with the world.

Through Property Empowerment I get to empower amazing women everyday to become accountable, overcome past hurdles, new challenges and to start living their best life. I work with their mindset to get clarity on how to work within their core values and not against them. How to identify and eliminate recurring patterns, limiting beliefs and decisions which have unconsciously stopped them from creating wealth in the past.

Then once their mindset is clear, focused and empowered, I teach them various simple tools, systems and strategies to manage their money, reduce their consumer debt and for those more advanced, to start their journey to financial independence through property investing..

Do you want to empower your finances? Then contact me today to start your journey.

When you join Property Empowerment, You will learn how to manage your money, how to eliminate consumer debt and how to invest using a simple but powerful wealth creation strategy of buying and holding growth properties, which is long term and low risk.

You join a team of experts in all areas of investing including mindset, property, legal, finance, tax and structure. We are a mastermind team of qualified consultants and advisers who specialise in residential property and you will leverage off our time, knowledge and expertise.

I have a passion for empowering women and also for property, so I am continuously reading property related news, articles, books and magazines, listening to audio, watching DVDs, attend seminars and training programs. I spend time researching statistics, following the market and gaining a deeper understanding of how the economy affects the market. This wealth of information is made available to members on the member's resources page.

As smart investors, we make it a point to only take advice from experts who are active property investors, follow the same simple wealth creation strategy and have proven results we can model and replicate.

After all, it’s the team work that makes the dream work!

So, what is distinctive about Property Empowerment?

Having myself made the leap from a traditional home owner to an active property investor, I identified the crucial shift in mindset that confidently and with utmost certainty allowed me to take positive action.

Successful property investing is 80% psychology and 20% strategy so changing your mindset around traditionally male values such as money, finance and investing is fundamental to your success as a female investor.

As a qualified Master Practitioner of NLP, I understand that our first step together is all about creating a successful mindset which will filter through all areas of your life. We will gain clarity around your core values and work with them to gain massive results.

We will work with you to first identify, then permanently eradicate any patterns, limiting beliefs or decisions you may have held in the past which subconsciously stopped you from taking action or creating wealth.

We will instil the value of wealth creation and create new positive beliefs, locking them in with clear goal setting, visualisations and most importantly, action!

I will continue to coach and mentor you through the accelerated program, until your buy your first investment, which can be in as little time as 3-6 months time from today. You will be empowered with the mindset, knowledge, action and results and will share our confidence in the simplicity and ongoing success of the wealth creation strategy.

Did you know, only 10% of the general population are interested in any type of wealth creation or personal development and an even smaller 10% of them or 1% in total, will apply their knowledge or take any action. So it doesn't surprise me when I see prospective property investors who have been to one seminar after another, have read the books, watched the DVDs and have still done nothing.

Unlike other great programs available on the market, I won’t confuse you with the many investment strategies and tell you to pick one that works for you. I won’t pat you on the back, give you my best wishes and send you away to do it all alone.

Instead, you will join my mastermind team and I will hold your hand and guide you through each step of the program. There is no growth without challenge so I will both support and challenge you as necessary, out of your comfort zone, until you reach your goal and hold the keys to your new investment property in one hand and a crystal flute of champagne in the other... yeah!!

Although I will empower, educate and inform you along the way, my primary motivation or drive is to get you actual results. So if you qualify for my Property Empowerment Program, you will create the vision and mindset of a successful property investor and you will buy your first property. You will have a clear vision with a longer term goal of having a successful portfolio and you will be creating and living your ideal life!

Why do I do it?

Everyone has specific and individual reasons for investing. Most often it’s not the actual properties themselves that excite investors, but the simplicity, the wealth it creates and the choices that wealth affords you.

Whether you know it or not, you make choices in life which fulfil your internal life values. Have you ever wondered why sometimes you procrastinate or have difficulty achieving some objectives whilst you easily achieve others? Chances are, it’s because these objectives or tasks that you procrastinate over, relate to values which are lower on your list. Higher values provide inspiration, lower values require motivation. You become an extrovert when living your higher values and an introvert with your lower values.

For me, freedom is highest on my values list, specifically freedom of choice. The freedom not to trade my precious and limited time for money, working long and hard to make someone else rich.

I used to work for money, now my money works for me. I now have the financial freedom to run my own business and do what I love for a living, not what is secure or pays the bills.

I have the freedom to use my time to do what I want, when and from where I want. The freedom to actually enjoy wealth, to be spontaneous and adventurous, to travel, to continuously experience new places, people and things.

Finally, and just as importantly, the freedom I now have to share my wealth and success. To have the ability to contribute to the lives of my family and friends, to empower my clients and to contribute to my children's charities. Not just to share money or knowledge, but to share time, which is priceless!

What If I didn’t?

If current authority predictions are correct, today's 40 something generation won’t ever have the luxury to retire fully, if at all. Did you also know that the current Australian government pension is only $226 a week or $452 a fortnight, that is $11,752 a year!

When the pension was first introduced in 1909 only 3% of the population lived to 68 years, long enough to collect. By 2004 it had increased to 13% of the population or approximately 2.5 million pensioners. They are now looking at increasing the retirement age from 65 to 67 by 2015.

This year, 2008, Australia’s aging population, nicknamed the baby boomers (born post war between 1943-1963), aged 65 will begin to retire. These same baby boomers were assured by the Government that they would receive a pension in their retirement. Right up until 1992, that is, when the government recognised the problem, took action and introduced compulsory Superannuation and in no uncertain terms told Australians to look after themselves.

This means that over the next 20 plus years the Australian government can no longer afford to provide an age pension, with a smaller percentage of the population left working and paying income tax.

In 2004, the Australian Local Government Association (ALGA) commissioned a report called the “Ageing Action Plan (2004–2008)”. It States:

Australia’s population is ageing and the evidence for this demographic change is undeniable. The result of falling fertility, increasing life expectancy and the effect of the ‘baby boomer’ generation moving through older age groups, has contributed to an increase in the number and proportion of people aged over 65 years. This trend will grow over the coming decades, to such an extent, that the:

Scary but "undeniable" stuff. Now I'm sure you may you think I don't need the pension, I've got my Super to fall back on. But did you know, that if you are even remotely fit and healthy and looking forward to a long life, much longer than the average of 85 years today, then chances are you will well and truly outlive your super, assuming you had enough to last the first 20 years. That is unless you contributed a minimum of 15% of your salary for the whole of your working career from the age of 18 right through to age 65.

Experts show that a super fund of $250,000 will last approximately 6-8 years for an average couple. They are also looking at banning lump sum payouts in favour of private pensions and increasing the access age from 55 to 60. This is to stop the double dippers who live it up for a few years and spend all their super then end up on the pension anyway.

The latest health statistics actually state that if you are aged 55 years today, 1 in 3 women and 1 in 4 men will now live to 95 years of age. That is great news, if you are financially independent.

So, with no Super and no pension how do you plan to live? Would you even call that living? I'd call it surviving. Close your eyes and visualise being in that situation, feel the despair welling up knowing your super has run out, then know that it doesn't have to be that way. Choose today between Wealth and Welfare.

I don't know about you, but for me, this alternative is not even close to being an option. Working until 65 or forever, working from 9-5, Monday to Friday, 48 weeks a year, earning just enough to cover the mortgage, the rent, the credit cards, the bills... Thanks, but no thanks!

People tell me that investing in property is risky, and I tell them that the exact opposite is true. Relying on others and not taking control of your life, your financial freedom and your results, that is risky. I tell them that I am on track both creating and living my ideal lifestyle, and then I ask them "are you?"

What Should I Do?

I want you to ask yourself one question and to answer with brutal honesty. Am I on track creating and living my ideal life, the life I dreamed of as a child before I bought into fear, doubt and self limitations? Am I sharing my gift, am I living with purpose?

NO? then what are you waiting for? until you know more, can do more, until you have more?

It's time to DECIDE, TO COMMIT, TO TAKE ACTION TODAY, choose to take one step toward financial freedom, toward choices and toward creating and living your best life. Regardless of what financial position you are starting from, Property Empowerment can help so check out our Coaching and Mentoring Programs then CONTACT ME NOW so together we can get you on track to your divine purpose.


Luca Ricciardiello
Luca Ricciardiello
Founder & Director