Coaching and Mentoring Programs

Welcome, and thank you for your curiosity about my Program and the only six easy steps you will ever need to succeed as a Property Investor.

As an active investor I know it’s not about the property itself, it’s about the dream. Property is just the express bus to financial independence, wealth and to creating a lifestyle full of freedom, choice and the ability to do what you love.

Have you actually taken the time to ask yourself what financial freedom means to you? Is it having enough money to pay for a fabulous lifestyle, is it having enough income producing assets so you never have to worry about money again? Is it being free to quit your job, so you too have the time to discover your divine purpose, do what you love for a living and contribute your message or cause to the world?

There are so many great property programs in the market place today from successful investors teaching people how to invest, yet only 10% of people who invest time and money in these programs will take action and actually buy a property. Why is that? I realised that 80% of investing is psychology or the right mindset and only 20% is the actual investing. This is why the market has created a need for Property Empowerment.

After going through the process myself for a third time, it occurred to me that buying an investment property can be a very daunting, costly and time consuming process, when navigating it alone. It’s no wonder that only 3% of Australians become successful property investors with more than one property and only 1% with more than five.

It also occurred to me that many women, regardless of how committed they are, might be put off by the uncertainty and the contradictory information available. They give in to the fear of making a mistake and allow themselves to be swayed by the well meaning dream stealers to not only give up the challenge, but all the dreams that go with it.

So I created an accelerated six (6) step property empowerment program which I will mentor you all the way through. It’s about creating the right environment and the right mastermind team for success.

My purpose is to empower you with actual results, so you can expect equal measures of support and challenge throughout your journey, as and when it’s required.

Whilst we engage a team of experts, we always remain 'in charge' of our investing business. We lay a solid foundation for success by empowering your mindset as the vital first step, then we will educate you in the basics of property, finance and structure. Once you have a sound knowledge of the above, I will teach you how to leverage against the resources of relevant experts to make it happen quickly.

The 6 Step Property Program Includes:

Step 1: Creating a Wealth Mindset
Step 2: Education and Information
Step 3: Finance Strategy
Step 4: Portfolio Structure
Step 5: Property Purchase
Step 6: Property Conveyancing

Click here for Your Investment for Financial Overhaul, Financial Coaching, Property Mentoring or The 6 Step Ruby, Sapphire and Diamond Programs

Step 1. Creating a Wealth Mindset

The first and most vital step in becoming a successful property investor is having the right mindset. Successful investing is 80% psychology and only 20% strategy or vehicle, which in our case is residential properties. The market proves this to be true over and over again with all the failed property investors who thought it was just about buying a house.

The Oxford Dictionary defines "mindset" as a habitual way of thinking. It has also been described as an attitude, disposition or mood; an intention or inclination. I think this is a very fair description. Having the right attitude about property investing or any other aspect of your life to the point where it becomes a "habit" or behaviour is vital for consistency, determination and your eventual success.

We will look at your mindset in depth with specific regard to your values, decisions and beliefs around money and investing. We will look at your values in quite some detail to ascertain whether wealth is even a value and whether you are motivated toward your a desire for wealth and abundance or away from your fear of scarcity and lack.

Using very cool Neuro Linguistic Programming (NLP) tools, we will identify and eradicate any deeply held decisions and limiting beliefs that have unknowingly held you back in the past and instil new, more empowering beliefs. We will lock them all into place using goal setting and visualisations.

I am so grateful to Christopher Howard's Breakthrough to Success weekend and his subsequent Fast Track trainings for introducing me to the tools that changed not only my life, but the lives of my family and friends and now my clients. Now, I don't want you to start blaming me if when you make these changes in your thoughts about money and wealth, how you also start to notice changes in attitudes and improvements in other areas of your life, like your health, career or relationships :D Menu

Step 2. Education and Information

Once we have the success mindset of champions it’s time to head into the classroom to learn about Property, Structure and Finance. Although we will leverage the time, knowledge and expertise of many experts throughout the program, it is essential that WE remain in charge of our "property business".

You need to treat every investment property, with its income and expenses, as though it were a stand-alone business with you as the Director. You don’t need to be an expert in all aspects of investing, but it is important to be educated and well informed. You must understand the basic concepts of property, finance and structure so you can both understand and communicate with the experts in these areas of your investing.

Hence we will cover such topics as property basics including property selection criteria and the Wealth Creation Strategy. We will look at the basic principles of company and trust structures and will increase both your financial vocabulary and your understanding. We will also look at the multitude of investment mortgage options, the principals of each and which will suit your current financial situation best. Menu

Step 3. Finance Strategy

Now that we have a successful investor mindset and a good basic understanding of property, structure and finance it's time to look in detail at our overall finance strategy. With the expert guidance and advice of a finance broker we will firstly review the mortgage on your existing home (if any) with the aim of refinancing and releasing equity to be used as a deposit and a buffer for your investment property.

We will then look at the best option according to your particular financial situation for financing your new investment property. Once we have chosen the best option we will formally gain pre-approval or approval in principal for your future investment property. Menu

Step 4. Portfolio Structure

Now that we have your finance in order it's time to look at what structure you are going to purchase the investment property in. This is the step that most people skip or don’t even realise they need until after they have 3 or 4 properties and it’s all getting very messy and complicated with the tax office. Here is where we will rely on the property and tax accountant to determine the right structure for you specifically. Whether you should buy in your name, multiple names, in the name of a company or a trust or a combination of both.

The structure for your portfolio is as important as the concrete foundation under your investment property. It needs to be just as strong and it needs to be laid first, or like the actual foundation, it becomes very difficult and costly to fix any problems after you have built your home on top. Did you know that if you decided to transfer a property from your own name into a trust you would in effect have to "sell" the property to your own trust which incurs all the normal legal buying and selling costs including having to repay the stamp duty.. ouch! Menu

Step 5. Property Purchase

As a professional investor, now that we have our investor mindset, our sound knowledge, our finance strategy and our structure in place, it’s finally time to go property shopping... Yeah finally!! This is contrary to a novice investor who lured by glossy brochures or the smell of baking bread and percolating coffee at an open house, falls in love with a property first and then worries about the rest later.

In all areas of my professional investing I assign each task to companies who are specialists in that area. Their teams are so committed and so passionate about their specialty that they spend all their resources sharpening their knowledge, skills and expertise, thereby becoming industry leaders in their field.

Think of it this way; if you want a haircut you go to a hairdresser, if your pipes are blocked you call a plumber, to service your car you go to a mechanic and these are all relatively minor expenses. Even when selling a home, people engage the services of a local real estate agent they trust. So I don't understand, when spending hundreds of thousands of dollars, people insist they are more qualified to find, select and negotiate on a quality residential investment property than a specialist buyers agent. Unless you are an expert this can be risky, extremely time consuming as you spend 6-12 months searching and very costly as the market keeps on going up and up.

I advocate using a good Buyers Agent who wants to see you succeed. One who specialises in the area you are investing in, who has the network and personal relationships required to find you a great investment.

They will select a short list of properties with a history of good growth that fit within the selection criteria and then it's a simple matter of making an informed choice. Depending on the property type, you can then organise to have your building, pest or strata inspections undertaken as necessary. Being a new investor, or if you are new to the buyers agent, you may also choose to organise an independent valuation to confirm you are paying fair market value.

Once chosen, the buyers agent will use his extensive negotiation skills to negotiate on your behalf for the best possible price and settlement conditions. If the offer is accepted you celebrate!! but if not, then you start over again. Menu

Step 6. Property Conveyancing

Congratulations, your offer has been accepted, the 10% deposit has been exchanged, the champagne is flowing and you are now officially a property investor. You are on your way to financial freedom. So now it's time to kick back, relax and watch the capital growth right? Well, not quite... There is still one very important step to go.

You now need to legally transfer the property from the vendors name into either your name or the name of your trust. You can choose either a solicitor or a conveyancer to do this on your behalf. They will do all the necessary searches and checks required to ensure that the property you purchased is exactly as stated in the vendor’s section 32. That there are no structures that are not council approved, any unexpected water or electrical easements, caveats or any other nasty surprises.

They will also be responsible for coordinating settlement between you, the vendor, their solicitor and both lenders...Now that is no easy feat! Settlement, usually 30 to 90 days later is when your loan is fully drawn down and the balance of the purchase price and all associated finance and legal fees are paid.

To further protect yourself, this is also the time to review your insurances and estate planning and create or update your will to include your trust and portfolio. This will ensure that your specific wishes are respected with regard to the portfolio and legacy that you have worked very hard to create. If you are married, you should consider having a "Binding Financial Agreement" drafted which will dictate exactly what is to occur with the investment properties if you part ways. A cohabitation agreement is the defacto version. Menu



So that’s it... a simple, accelerated 6 step process that I will mentor you all the way through. From our very first chat over a nice coffee, right through to settlement and that celebratory glass of champagne. Together we will empower you with a wealth creation mindset and strategy that will set you on your way toward your ideal life... are you ready?

Your Investment

100% Money Back Guarantee
Valid for the Ruby, Sapphire and Diamond Property Programs
If within 30 days of having completed Steps 1 and 2, you are not feeling empowered and supremely confident that you can complete the program, successfully purchase your first investment property and be on your way to creating your ideal life... then I will happily give you your money back.


30 Minute Consultation
Contact me now for a complimentary 30 minute phone consultation so we can discuss where you are now and where you want to be. We'll chat about your dreams and goals for financial freedom and how together we can get you there.
FREE
Financial Coaching
Financial Coaching is available for clients who need help on their journey and need to learn the fundamentals of managing their money.
This will suit you if you are young and starting out, young at heart and starting over of if you just find it all a bit overwhelming.
If you find yourself wondering at the end of the month where your money has gone, if your consumer debt and credit cards are going up and you have nothing to show for it. If you are struggling to make ends meet and despair at your ability to save for emergencies, let alone invest for the future.
Together, we will start first by giving your home finances a complete Financial Overhaul quickly turning the chaos into order.
We will then look at your values, money beliefs and spending strategy which subconsciously dictate where your money goes. We will empower your mindset first so you can identify and stop repeating old hidden patterns and bad spending habits.
Our focus then will be on finding out what you love with a view to increasing your income and living an abundant life, not decreasing your spending and living a limited life.
You will be empowered, focused and in control of your finances, instead of continuing to allowing your finances to control you. Menu.
$100 p/hr

Property Mentoring
This program is for those that are keen to become an investor, but for various reasons do not qualify for the property programs as you are financially unable to purchase your first investment.
Property Mentoring includes everything in the Financial Coaching but is focused on getting into your first investment property.
Together we will get you focused and on track, we will create a customised plan to achieve both your short term and long term goals on your way to property investing and financial independence. Menu
$100 p/hr

Ruby Property Program
For the independent woman
Includes the 6 Step Property Empowerment Program
As a smart savvy independant woman you are supremely confident, prepared and quite happy to attend all expert appointments yourself. We will talk before and after and work together to prepare you for the relevant appointments. You go girl! Menu
$2950

Sapphire Property Program
For the team player
Includes the 6 Step Property Empowerment Program
As a team player your prefer the team approach and the extra support, so Property Empowerment will accompany you to all expert appointments. You will still be in charge of the appointment, and I will be there to back you up. Go Team! Menu
$3450

Diamond Property Program
For the successful and busy woman with limited time
Fully customised 6 Step Property Empowerment Program
As a super successful and busy women, you have all the willingness and desire but not the time. So Property Empowerment will do all the leg work for you. We will catch up when it's convenient for you in your busy schedule and ensure you are still educated and empowered.
Property Empowerment will then attend to all the expert appointments on your behalf. We will catch up periodically to review options and investments and to sign the all relevant paperwork.
Finally, I will deliver the keys to your new investment property and a celebratory glass of champagne as there is always time to celebrate! Menu

$3950

Please contact me now for more details.

Payment Methods

Our Shopping Cart uses PayPal and accepts credit cards or direct debit. Payment Plans are also available on request.

Please Note:
The above investment is your investment in yourself and the extensive 6 step program and does not include the associated expert fees or the finance and legal costs associated with your property purchase. These fees are standard and estimates are available on application.


Luca Ricciardiello
Luca Ricciardiello
Founder & Director