What Empower Wealth does

Empower Wealth generates revenue through multiple streams: fee-for-service property advisory engagements (Property Portfolio Plans and Property Pathway Plans with tailored quotes and multi-year engagement contracts), commission-based mortgage broking paid by banks (upfront percentage of loan plus trail commission on outstanding balances), fee-for-service financial planning and SMSF setup, fee-for-service tax and accounting services, fee-for-service buyer's agent services, and a freemium Moorr platform (free to users, monetized indirectly via client acquisition). The go-to-market motion is content-led and sales-assisted: free educational content (The Property Couch podcast, free book 'Make Money Simple Again' with 42,665+ downloads, How To Sessions, masterclasses) drives top-of-funnel awareness, prospects convert via free 30-to-60-minute consultations, then progress through the Moorr fact-find portal before engaging qualified advisors. Target segments span first-time investors, young professionals, busy couples with growing families, experienced investors, SMSF trustees, and owner-occupiers, with over 16,207 clients served cumulatively, 5,020+ Property Plans delivered, A$10.4B+ in property values recommended, 91% customer satisfaction, and 98% willingness-to-recommend.

Name

Empower Wealth

Legal name

Integrated Pathways Pty Ltd

Website

https://empowerwealth.com.au

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

101–250 employees

Short description

Empower Wealth is an Australian multi-award property and financial advisory firm offering integrated property investment advice, mortgage broking, buyer's agency, financial planning, SMSF, and tax services, supported by its proprietary Moorr client platform, serving individual investors nationwide.

Ownership category

akta.pro rank

Product category

Property Investment Advisory

NAICS

Portfolio Management and Investment Advice (523940), Trusts, Estates, and Agency Accounts (52592), Trust, Fiduciary, and Custody Activities (523991)

SIC

Investment Advice (6282), Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Hybrid Advice (Advisor + Digital) Platforms (FSAAAAAE)

Keywords

• Property investment advice
• Mortgage broking services
• Financial planning SMSF
• Tax accounting services
• Buyer's agent services

Headquarters

HQ city

Victoria Park

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Property Investment Advisory: Fee-for-service model providing Property Pathway Plans and Property Portfolio Plans. Pricing is tailored to specific service requirements with transparent quotes provided before engagement. Minimum deposits may be charged with full payment upon service completion.
2. Mortgage Broking Services: Commission-based revenue from banks and lending institutions. Brokers receive upfront commission (percentage of loan amount) and trail commission (ongoing percentage of remaining balance). No cost to clients.
3. Financial Planning & SMSF: Fee-for-service financial planning services covering super consolidation, SMSF setup, investment portfolios, and insurance. Complimentary super and insurance reviews offered. Fees tailored to complexity of work required.
4. Tax & Personal Accounting: Fee-for-service tax accounting services for individual tax returns, contractors, sole traders, and investment property trusts. Includes SMSF tax return preparation and ATO audit support through Audit Shield coverage.
5. Buyer's Agent Services: Fee-for-service buyer's agent services including property sourcing, negotiation, auction bidding, and due diligence support for residential properties across Australia.
6. Moorr Platform (Free): Free-to-use financial platform and Money SMARTS system. Generates business value through client acquisition and engagement rather than direct monetization.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels10 records

Core offering

Empower Wealth provides Australian consumers with property investment advice through two core deliverables — the Property Portfolio Plan (long-term retirement-focused strategy) and the Property Pathway Plan (1–2 major property decisions over 5–10 years) — complemented by integrated services including mortgage broking, financial planning and SMSF, tax and personal accounting, buyer's agency, property research, investment education, and money management. Deliverables are supported by the proprietary Moorr cloud-based client portal and the Money SMARTS money management system, and by copyright property research algorithms that ingest millions of data points monthly to inform data-backed property recommendations.

Product overview

Empower Wealth is a property-centric wealth advisory firm offering a comprehensive suite of services through its proprietary Moorr platform. The core offering centers on Property Portfolio Plans and Property Pathway Plans, complemented by integrated services including Property Investment Advice, Mortgage Broking, Buyers Agents, Financial Planning & SMSF, Tax & Personal Accounting, Property Research, Investment Education, and Money Management. The Moorr platform serves as the central digital hub, incorporating the Money SMARTS money management system. Educational content is delivered through The Property Couch sub-brand podcast. Services are available nationwide with offices in Melbourne and Sydney.

Differentiator

Problem solved

Functional benefit

Brands

• Moorr: Online financial management and wealth tracking platform that helps users manage cashflow, track spending, monitor net worth, and implement Money SMARTS money management system. Free platform with 53,061+ registered users.
• Money SMARTS
• The Property Couch
• Property Portfolio Plan
• Property Pathway Plan

Products and services

• Property Portfolio Plan Longer-term strategy service designed around portfolio growth, debt reduction, retirement outcomes, and future passive income. Includes modelling, analysis and professional advice tailored to individual financial goals; built on Empower Wealth's proprietary property research algorithms and Moorr platform.
• Property Pathway Plan Shorter-term planning service focusing on one or two major property decisions over the next 5–10 years, suitable for first home buyers, upgraders, or those deciding whether to sell, hold, renovate, or downsize. Delivered by QPIA-accredited advisors with tailored modelling and recommendations.
• Property Investment Advice Expert advisory service providing personalised strategy and modelling to help clients make better-informed property decisions, including planning next moves, reviewing existing positions, and modelling future scenarios under varying assumptions.
• Mortgage Broking Mortgage broking service helping clients secure loan rates and structures from major banks and lending institutions for property purchases, refinancing, and equity release; commission paid by lenders with no cost to clients.
• Buyers Agents Professional buyer's agent service providing industry expertise, data access, and negotiation skills to help clients source, evaluate, bid at auction, and secure residential investment and owner-occupier properties across Australia.
• Financial Planning & SMSF Financial planning services including superannuation consolidation, Self-Managed Super Fund setup and management, investment portfolio setup, and personal insurance advisory; delivered by CFP-certified professionals and SMSF specialists with complimentary super and insurance reviews.
• Tax & Personal Accounting Tax and accounting services specializing in individual tax returns, PAYG returns, contractor returns, sole trader returns, and tax advice for passive and investment property trusts, including SMSF tax return preparation and ATO audit support.
• Property Research Detailed property analysis service using proprietary algorithms assessing demand and supply conditions, including auction clearance rates, vacancy rates, days on market, market cycles, demographic shifts, and ripple-effect potential; overseen by an investment committee.
• Money Management Money management advisory service using the Moorr platform to help users understand spending patterns, organize finances, and direct surplus income toward wealth building; integrates the Money SMARTS seven-step system.
• Moorr Platform Cloud-based client portal providing interactive financial dashboards, cashflow management, property portfolio tracking, net worth monitoring, and the Money SMARTS money management system; secured with 2-factor authentication via SMS and OWASP-compliant security. Free to use, generating value through client acquisition and engagement.

Quantifiable outcome

• Over 5,020 Property Plans delivered to clients
• +4 more outcomes

Named customers9 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

18 partnerships are on record, tiered core and minor.

• ANZcoreChannel Partner/ Reseller/ DistributorMajor banking partner for mortgage broking services. Empower Wealth brokers have access to ANZ loan products and provide these to clients as part of their mortgage broking service offering.
• WestpaccoreChannel Partner/ Reseller/ DistributorMajor banking partner for mortgage broking services. Provides loan products through Empower Wealth's broker network.
• Commonwealth BankcoreChannel Partner/ Reseller/ DistributorMajor banking partner providing home loan and investment loan products through Empower Wealth's mortgage broking services.
• NABcoreChannel Partner/ Reseller/ DistributorMajor banking partner affiliated with Empower Wealth's mortgage broking services for loan sourcing and structuring.
• St. George BankcoreChannel Partner/ Reseller/ DistributorBanking partner providing loan products through Empower Wealth's broker network.
• Suncorp BankcoreChannel Partner/ Reseller/ DistributorBanking partner for mortgage broking services affiliated with Empower Wealth.
• MacquariecoreChannel Partner/ Reseller/ DistributorBanking partner providing lending products through Empower Wealth's mortgage broking network.
• ME BankcoreChannel Partner/ Reseller/ DistributorBanking partner affiliated with Empower Wealth's mortgage broking services.
• Bank of Queensland (BOQ)coreChannel Partner/ Reseller/ DistributorBanking partner providing loan products through Empower Wealth's broker network.
• BankwestcoreChannel Partner/ Reseller/ DistributorBanking partner for mortgage broking services through Empower Wealth's broker network.
• ING DirectcoreChannel Partner/ Reseller/ DistributorOnline banking partner providing lending products through Empower Wealth's mortgage broking services.
• AFG Home LoanscoreChannel Partner/ Reseller/ DistributorAggregation partner for mortgage broking services providing access to white-label funding and AFG Securities program.
• Property Investment Professionals of Australia (PIPA)coreStrategic or Co-development PartnerIndustry body for property investment professionals. Empower Wealth is a corporate member and follows PIPA's strict code of conduct. Advisors hold QPIA® accreditation through PIPA's rigorous assessment program.
• Financial Planning Association of Australia (FPA)coreStrategic or Co-development PartnerProfessional association for financial planners. Financial planning team includes CFP (Certified Financial Planner) certified professionals.
• SMSF SpecialistcoreStrategic or Co-development PartnerSMSF accreditation and specialist designation for financial planners providing self-managed super fund advisory services.
• Tax Practitioner BoardcoreStrategic or Co-development PartnerRegulatory body for registered tax agents. Empower Wealth's tax accountants are registered with the Tax Practitioner Board.
• Accountancy Insurance (Audit Shield)minorStrategic or Co-development PartnerProvides Audit Shield coverage for clients facing ATO audits, covering professional fees for tax representation.
• Additional Lender PartnerscoreChannel Partner/ Reseller/ DistributorAdditional banking and lending partners including: Adelaide Bank, AMP, Bank of Melbourne, Challenger, Citibank, Heritage Bank, Homeside, IMB, La Trobe Financial, Liberty Financial, MKM Capital, Pepper Money, Police and Nurses Credit Society, Redrock Mortgages.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Wentworth Capital: Australian independent advisory firm providing property investment strategy, mortgage broking, and financial planning. Operates a similar integrated service model targeting property-focused investors.
• Rethink Investing (Rethink Group): Australian property investment advisory firm specializing in independent property investment advice and buyer's agency services. Closely comparable to Empower Wealth's integrated advisory plus buyer's agent model.
• Aussie Home Loans: One of Australia's largest retail mortgage broking and home loan brands, owned by CBA. Direct competitor in mortgage broking with overlapping retail customer base and similar bank panel partnerships.
• Metropole Property Investment Strategists: Australian property investment advisory firm providing strategic property portfolio advice to investors. Direct competitor offering similar goals-based property investment planning services to retail and mass-affluent clients in Australia.
• Yellow Brick Road: Australian wealth advisory and mortgage broking firm offering financial planning, home loans, and investment advice through a branch and adviser network. Comparable integrated wealth and mortgage offering.
• Mortgage Choice: Major Australian mortgage broking franchise with broad lender panel access. Direct competitor in Empower Wealth's mortgage broking line of business, serving similar retail customers.

Broad incumbents

• AMP Financial Advice: Major Australian wealth manager offering financial advice, SMSF, superannuation, and investment platforms. Broad incumbent with significant scale in retail wealth management and SMSF services.
• Westpac Financial Advisors: Wealth advisory arm of one of Australia's Big Four banks, offering investment advice, financial planning, and SMSF services. Broad incumbent with overlapping capabilities but not focused exclusively on property investment.

Others

• AFG (Australian Finance Group): Australia's largest mortgage aggregator providing white-label funding and broker support to broker groups. Functions as ecosystem partner to Empower Wealth's mortgage broking arm through aggregation and AFG Securities program.

Emerging players

• Inflection Money: Australian digital-first property investment and wealth advisory platform targeting younger retail investors. Emerging player competing for the same first-time investor segment via a more digital delivery model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@EmpowerWealth
• LinkedInlinkedin.com/company/empower-wealth
• Instagraminstagram.com/empowerwealth
• Xx.com/Empower_Wealth
• Facebookfacebook.com/empowerwealth

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Empower Wealth