While yes, there is a financial component to being able to invest, the bigger factor is your mindset. Do you want to take some time out of your busy life to sit and think about what you want your future to look like, and create a plan to get there? Or, are you going to continue on with your day-to-day life and expect that your retirement plans and savings are going to sort themselves out?
Waiting for the perfect time is not the answer. The best time to invest is now.
Are you ready to see what your financial potential is and build a life that you really want?
Speak to people with extensive investment experience and people who will prioritise your interests. We will help you identify what your current and future potential is and help you work towards a plan for financial freedom. We’re dedicated to finding the best investment opportunities for you through our industry connections to make it happen.
The whole process starts with a discovery session with our team, where we get to know you and your goals.
As the name suggests it is a catch up with you and Locale’s Investment Advocates to get to know each other. We break down your financial priorities and life goals, while working through your current finance position. We also share information about who we are and what the process looks like, so you can be confident that we are the right partner for you on this journey. After this session, we’ll begin crafting a personalised strategy (or “game plan,” as we like to call it), and explore your future potential. This session, normally valued at $449, is currently available to you at no cost.
By making this session you are taking the first steps to financial freedom. All you will need to do is answer some questions which our team will talk you through. Our approach is to understand your needs and aspirations.
Before we meet, we do suggest thinking about the following questions: What are your financial goals? How much do you have in savings? When would you like to retire? Do you know your borrowing capacity? (it’s ok if you don’t know, we can help).
By knowing your savings, income, expenses, and current equity we can help you understand your budget to invest. During the discovery session an estimate of how much you can borrow and afford will be offered.
Wealth creation is about more than just setting yourself up for a comfortable retirement. It is a tool that enables you to make your top financial goals happen. That could be travelling, not having to work when you have children, living in a bit more luxury or purely not having to worry about the bills.
We have devised an eight-step strategy for success, in summary this includes:
- Your Goals – we begin by really understanding you. What do you value, what is going to make a difference to your life financially, when do you want to retire.
- Tailored Strategy – then we develop a robust and secure strategy to ensure your investments are protected and optimised. We’ll share educational insights and research top locations for you.
- Optimise Financeswe help you structure your finances effectively; we’ll assist by liaising with your broker and accountant – we have the perfect partners if you prefer. We are going to ensure your investments are well-supported and sustainable.
- Property Selectionour acquisition team uses their expertise and industry connections to select properties that align with your objectives and offer strong potential. They will be strategically analysed, and unsuitable ones will be rejected.
- Rental Cashflow and managing your asset – we focus on properties that generate reliable rental cashflow, helping you achieve consistent income from your investment. A critical part of successful and stress-free property investment is having a property manager that you trust – we can help here!
- Reducing your taxwith the support of your accountant, we guide you through available tax deductions to maximise your returns and minimise your tax liabilities.
- Ongoing strategy progress reviewsregular reviews of your investment strategy ensure that you stay on track and adjust to changing market conditions – and life goals.
- Leveraging equity to build your portfolio – from here we scale. Leveraging the positive cashflow and equity to purchase further properties, done in a sustainable and responsible manner.
Our approach is grounded in authenticity and education, guiding you every step of the way with a focus on your long-term success.
Throughout the process, you will have a dedicated point of contact (Property Investment Advocate) to streamline communication and ensure a smooth experience. We’ll assemble the right team for your property investment needs, including accountants, brokers, property managers, lawyers, and tax agents. We handle all the administrative tasks to make the process seamless for you.
After the discovery session, if you qualify to work with us the next step is Game Plan session with our Property Acquisition Specialist. The timeline from here is based on your financial position and what is most suitable for your circumstances. We aspire to be a partner for life, so we’re in this for the long haul. From an initial discovery session through, tailoring the finance structure, to selecting the right property, can be completed in as little as few weeks, through to months. It is imperative we remain considered and ensure all transitions align with your personal goals and strategy.
In terms of your time, we will not need much as we will be doing most of the administrative tasks for you.
We conduct regular reviews, assessing the value of each of our clients’ investment portfolio, providing feedback and reports. Our goal is to be your property partner for life, so we’re intimately connected and become your cheerleaders throughout your journey,
Property investment is a powerful tool for building wealth due to its potential for steady rental income and capital growth. By acquiring multiple properties you can generate a passive income or take advantage of potential tax reductions, while building equity through property appreciation. By strategically investing in real estate, you can create a sustainable, long term income source and accumulate assets, leading to greater financial security and independence. This approach is integral to reaching long-term wealth creation goals.
We are laser focused on targeting emerging and booming markets, so you can ride the capital growth wave, empowering you to grow portfolio in a strategic manner.
To measure the success of your property investment, evaluate your investment portfolio by assessing rental yield, capital growth, and overall return on investment (ROI). Regularly review your financial goals to ensure they align with your progress toward financial freedom and financial security.
Indicators of a successful property investment include strong rental income, consistent property value appreciation, low vacancy rates, reduction of tax commitments, and meeting or exceeding your investment goals. Achieving these signs contributes to your overall financial security and can help you move closer to financial freedom.
To scale your property investment portfolio, consider reinvesting profits into additional properties, exploring different property types, or expanding into new markets. Continuously review your strategy and adapt based on performance and market conditions to ensure you are progressing toward your financial goals and enhancing your financial security.
Common mistakes include:
- Overestimating rental income: Conduct thorough market research to set realistic rental expectations.
- Underestimating costs: Factor in maintenance, property management fees, and potential vacancies.
- Neglecting due diligence: Conduct thorough property inspections and research the local market.
- ‘Get rich quick strategies like flipping properties and buying in high speculative locations: Focus on long-term, sustainable growth rather than chasing short-term gains through speculative investments. By holding properties and allowing their value to appreciate over time, while the value of your loan decreases due to inflation, you can build a solid financial foundation.
- Stopping at one property: One property might be all you are comfortable with at this time, and that is perfectly fine – however, it is unlikely that the income from it will be life-changing in the short term.
At Locale Wealth, we help you avoid these pitfalls by:
- Providing expert guidance: Our team offers in-depth property analysis and market insights.
- Partnering with trusted professionals: We connect you with experienced finance brokers, accountants, property managers and more.
Setting realistic goals: We help you develop a sustainable investment strategy aligned with your financial objectives.
Common strategies include leveraging property to maximise returns, diversifying your investment portfolio, and implementing tax-efficient practices. We will consider strategies like negative gearing and positive cash flow management if they work for you.
We have tools to help with managing cash flow effectively, but in simple terms management consists of having a detailed budget, monitor rental income and expenses, and plan for unexpected costs. Ensure you have a financial buffer to cover periods of vacancy or repairs.
We don’t charge any upfront fees to clients at Locale Wealth. We get paid a commission on the property you purchase as an investment, similar to how a mortgage broker gets paid.
We have the largest selection of properties available, based on our many years of experience and deep connections to Australia’s largest property developer and builders. We remove the sales consultant from the process, we deal direct with the developers, leveraging our MD’s many years of experience leading a major property and construction group.
Unlike many investment companies that simply deal with a sales consultant at the developer/builder, we avoid the double fees many people pay by going through third-party channels.
At all times, we work in your best interests and have access to stock before it becomes public, giving you a leg up when securing property.
Our mission is to inspire and educate people so if that is all we do while you might go away and think and take some time to get your finances in a place where you feel ready to go ahead, we have done our job.
The whole team has been working in this sector for ages (but not so long that they are outdated!) so they have experienced the ups and downs of the property market, adapted to market conditions and governmental policy changes and helped thousands of people start or grow their investment portfolio.
They are also avid investors themselves, so not only do they know first hand the challenges, the tips and tricks, but also they know the possibilities wealth creation has allowed them. That’s why they are so passionate about inspiring everyday Aussies to do the same.
Our MD lead one of Australia’s largest and most respected property, development and construction companies, personally overseeing billions in revenue. With an unwavering commitment to people, our values are to do the right thing by our people and customers, always.
Unlike a typical buyer’s agent, which merely acts as a shopping service, we challenge the conventional path of working until you’re 67. We encourage you to join the 1% who retire early and live the life you truly want.
Our mission is to build a profitable and expansive property portfolio for your future. We achieve this through thorough research, data analysis, and an in-depth understanding of every suburb in Australia. Our end-to-end solution streamlines the property buying process into a single point of contact.
With our team’s extensive experience in managing billions in property transactions, you’ll receive comprehensive support from the initial sign-on to property sourcing and beyond.
As individuals, we have all been in the industry and invested in property for many years. We’ve made mistakes, had many wins, ridden the highs, the lows and have the battle scars to prove it! Investing is not a perfect science, often economists get it wrong. We have been on the front line of the industry for decades, with our MD leading one of Australia’s largest property and construction groups through some of the most buoyant and challenging times. What we have learned is invaluable to an investor, helping you avoid mistakes, capitalising on emerging markets and avoiding overheated markets, ensuring we are mitigating risk, creating diversification and setting you up for long term success. The devil is in the detail -we’re here to create a robust strategy to expedite your success.
We may look shiny and new, but we’re backed by industry-leading talent who have been doing this a long time, all across Australia.
Our founder Adam Schaal started Locale Wealth with one simple premise in mind. To empower everyday Australians to take action towards financial security and freedom, inspiring and educating them to take action to be able to live their life the way they want.
With over 10+ years in the property and construction industry in successful Executive Leadership positions, Adam Schaal brings a strong understanding of the industry’s intricacies, customers’ needs, and pain points, and how these can be effectively addressed in an industry that is ready for disruption.
As a team, we are passionate about making investing more accessible, showing people who would not have seen property investment as an option for them, what is possible and the benefits it will have on their life. Plus we’re committed to customer satisfaction is at the core of everything we do, and we will always go the extra mile to ensure that you have a hassle-free and enjoyable experience.
