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Our Team








Ben Kingsley – Founding Director
Qualified Property Investment Advisor (QPIA) - PIPA Accredited Program - Deakin Prime
Certificate IV Mortgage Lending, MFAA Member, Assoc. Diploma of Business – Tourism & Travel

As the founding Director of the successful company Integrated Pathways Pty Ltd, trading as Empower Wealth – I wanted to set up a business that specialised in Property Investment Education, Finance and Sophisticated Money Management Strategies and Services.

Prior to moving into the financial services industry, I had a successful career within the Hotel / Resort Tourism sector.  Holding positions as the Australian and New Zealand Sales Manager for Hamilton Island and also the National Sales & Marketing Manager for Voyages Hotels & Resorts, which included Longitude 131 & Ayers Rock Resorts to name a couple of properties within the portfolio.

I opened a Mortgage Choice franchise in the Melbourne suburbs back in 2004, and then moved into a larger franchise operation in the inner City in mid 2005, before leaving the franchise to set up Empower Wealth – A business that didn’t just do basic mortgages, but offered strategic guidance in regards to loan structuring and investment strategy teachings.

Investing & Property Investing Experience:
On the property side of things, I have over 15 years of experience in purchasing residential property investments, buying my first property when I was just 23.  Furthermore, I have provided educational workshops to thousands of potential property buyers, as we as help hundreds of people and companies invest into millions of dollars worth of residential property for both owner occupied or investment purposes, since becoming a finance broker back in 2004.

I am a keen researcher on the drivers of capital growth for localised locations and specific styles or residential property, with also good yield opportunities.  History shows me that I have been able to identify properties in both Sydney and Melbourne that have ‘outperformed’ against the general market in relation to capital appreciation.
I have a real interest in controlling my family's future financial wellbeing, as we work towards our dreams and goals.

In taking this ‘Active’ approach many years ago l realised early on that I needed to become financially educated.  During the past 20 years I have investigated, read, attended educational events, associated with professional people with similar goals in an overall attempt to ensure that I was sufficiently financially ready to empower our own wealth to a higher level and also that of my clients, with less time to undertake this themselves.

Along this journey I have invested heavily in shares, investigated options, and alternative investments, along with residential property.  After 10 years of mixed results in share and the other investments, I learnt residential property was the safest, less stressing and somewhat easier way to create wealth over the long term.  So the majority of my past 5 years of investing has been very much weighted towards this asset class.

However, don’t be fooled, there are still some poor investments out there in residential property and plenty of so called experts and great “marketers” selling investments that will not provide for good to great returns over the longer term.  This is one of the main reasons Empower Wealth has developed (and continues to develop) workshops on Finance and Residential Property Investing.

For the record, I’m certainly not advocating that residential property is the only way to wealth, because such talk is nonsense and any so called promoter of property, should not being trying to sell you their offerings with this sort of rhetoric.  Put simply, I think everybody can achieve financial wellbeing and through my learning’s and experience of practicing what I preach in the residential property & finance fields, I am extremely confident that I, along with my experienced team members, can add value to those clients who want to benefit from our knowledge from the professional education and services we provide.

My goal is to simply provide my clients and potential property investors with better skills to ensure they achieve a better than average return for this investments and have a better fundamental understanding of how money and finance work, so they too can achieve their financial independence and to also ensure they don’t get railroaded into any get rich quick investment shames!.

Hobbies / Interests:
Outside of my passion for property and investing, I am a very keen traveller.  I love visiting new and off the main tourist track places all over the world.
I’m a keen follower of most sports including Aussie Rules – our indigenous game!  Happy to spend time playing Basketball, Volleyball and the odd round of golf.

Favourite Book:
Long walk to Freedom – (The Autobiography of Nelson Mandela)

Favourite Movie:
Shawshank Redemption

Favourite Music:
Happy with almost all forms of music, although very limited attention span for rap, hip hop or opera.  Preferred mostly home grown talent, from Paul Kelly to Jet to Missy Higgins……

Favourite Food:
(Steak and Chips) – The simple pleasures! Although I am also very partial to anything my wife cooks.


Cameron Morgan - Professional Mortgage Strategist 
Bachelor of Science, Bachelor of Physiotherapy, Certificate IV in Financial Services (Finance /Mortgage Broking), MFAA Member 

I joined the Empower Wealth team after searching for a new challenge and to pursue a career in an area I am very passionate about – Property, Finance and Investing.   I have previously come from a Physiotherapy background, where I spent 5 years building and expanding my own clinic.  I transformed the clinic from a one therapist clinic to a business that had 5 therapists and 4 reception staff and tripled its turnover over this time. I have been involved in finance broking for the last 2 years and the transition from Physiotherapist to Finance broker was not a huge stretch as I was already delivering a quality service to clients based on trust, honest and integrity.  At Empower Wealth we provide this as well as quality education and experience. 

Investing/Finance Experience 
As well as being a successful business owner, I have been investing in property for the last 9 years.  I first started investing in property when I was living in Perth WA.  I was fortunate enough to be expanding my property and investing knowledge at a time when there were great opportunities in the inner city suburbs of Perth, and purchased before the boom hit the WA market.  This investing success has allowed my wife and I, to accelerate our investment portfolio since returning home to Victoria and we are well on our way to achieving our goal of financial freedom. Having a number of properties in our portfolio has also enabled me to gain a good understanding of the importance of structuring the finance correctly, as it has allowed us to expand our property portfolio.  It has also enabled me to understand the importance of purchasing the properties in the correct structures for asset protection and tax minimization. I thoroughly enjoy assisting people to expand their knowledge on property investment and helping to set and achieve their goals and dreams.  I like taking a proactive approach to motivate and mentor clients as they start to continue on their investing journey.  

Hobbies / Interests 
When not spending time with my wife and 2 young children, I enjoy any sport.  Now that I have finished playing, I have a particular enjoyment of watching the Geelong Football Club.  I also like playing golf (although rather poorly), cycling and am keen to improve my surfing ability (dubious) whenever I get the chance. 

Favorite Food
You can not go past a great plate of Spaghetti Bolognaise and I also love Seafood. 

Favorite Music
Anything that is not Rap or Heavy metal

Favorite Book
Lance Armstrong – Its not about the bike 

Favorite Movie
Lock, Stock and two Smoking Barrels


Steven Cruz - Professional Finance Strategist 

Educated in the states with a Bachelor’s Degree in Economics, Steve has over 22 years of mortgage lending expertise building a solid reputation for integrity, dependability, and value, due in large part to his unwavering attention to quality and the unfailing pursuit of customer satisfaction.  Steve soon learned that one’s home is the foundation for their family's lifestyle, and he honours that philosophy by making sure your new home loan meets your every desire. 

As a fellow investor in property, himself, Steve’s Mortgage and Property experience will shine through in his ability to inform and educate you to greatly enhance your decision making in selecting the right option for your needs. 

Whatever your stage in life - whether you are a first-time home-buyer, a growing family realising your dreams, or an active fellow investor, Steve’s free mortgage consultancy service, can assist you in selecting the RIGHT home loan.

Awards & Recognition:
Prior to moving to Australia in early 2008, Steve had a highly decorated career in America.  These awards recognise customer service and client care: One of the reasons we have handpicked Steve to join our team at Empower Wealth and look after our client’s mortgage needs.

JLH Mortgage – Loan Officer of the Year: 2005, 2006, and 2007
Countrywide Bank – Circle of Excellence (top 5% in the USA): 2003, 2004, 2005, 2006 & 2007.

Hobbies / Interests: 
During my free time, you will most likely find me taking a walk through the city with my partially paralysed Dalmatian, poking my head into the Crown for a quick game of Blackjack, watching the latest live theatre performance to hit town, “Cruzing” the state in my prize winning ’67 VW Kombi or whipping-up a batch of my famous Margaritas and a Mexican meal for my family and friends.

Favourite Book:
The Prince - Nicolo Machiavelli

Favourite Movie:
Sunset Blvd

Favourite Music:
Rock from the 80's & 90's as well as anything from Gershwin, Coles Porter, Jerome Kern, Jerry Herman

Favourite Food:
It's a pretty close tie between Mexican & Italian food.
 


Lincoln Haugh – Professional Finance Strategist

Profile
My education covers bachelor degrees in both Commerce and Electrical Engineering. I have a natural love for maths and finance.

I’ve worked in marketing and client services for the last 14 years, with a particular focus in the stock market over the last five years.

While working, I started to trade shares and derivatives to be able to build wealth and an income. This gave me the opportunity to enter the property market and build a far more stable platform for growth.

As a trader, I learnt very quickly the essence of risk and return and have now been trading profitably for the last five years. This discipline has carried across to my work in finance and now in the property sector. I also took an interest in educating people in how to trade the stock market through systematic approaches and rigid discipline. I’ve taken great pleasure in seeing my clients succeed in growing their wealth and helping them reach their goals faster.

I joined Empower Wealth to take a more hands-on approach to clients investing needs in the role of finance strategist. I initially was a client of Empower Wealth with Ben looking after my own home-loan needs. I was so impressed with his service and commitment to helping others with their wealth creation that I had no hesitation in joining his team.

Investing / Finance Experience
Over the last few years, my investing experience has been through trading the stock market both aggressively and through my own Super Fund, while also starting my property investing journey a few years ago.

My wife and I control a few properties now and through capital growth and cash from trading I am aiming at increasing that portfolio markedly in the coming years.

Interests / Hobbies
I am a very keen cyclist and try to get out every day if I can, while I am also an aspiring amateur chef. I also love to do the usual things any respectable Melbournian would – going to see by team play at the MCG …

My wife and I love to travel and building our wealth will no doubt fund many more trips to come.

Favourite Food
I love duck and pasta, or even both together.

Favourite Music
The Dandy Warhols

Favourite Book
As a cycling nut, I am always reading books on the grand tours and Lance Armstrong’s “It’s not about the bike”

Favourite movie
The Usual Suspects

 

 

Bianca Robertson - Office Manager 

After having purchased her first home with her partner at the age of 20, Bianca has since developed a keen interest in residential property as a wealth creation vehicle. Now, at 24, Bianca is reaping the benefits of starting early and is releasing equity for investment to further accelarate her and her partners wealth.  

“Working at Empower Wealth has further encouraged my passion for property and provided me with a great opportunity to work alongside like minded people dedicated to improving their own and other’s financial wellbeing. I now have the knowledge to make good investment decisions to secure a better financial future."

Hobbies / Interests: 
In her spare time Bianca enjoys renovating her home, shopping and listening to music.

Favourite Book:
Infidel - Ayaan Hirsi Ali

Favourite Movie:
Snatch, The Bank Job

Favourite Music:
House, Dance

Favourite Food:
Chicken Parmagiana, Chips & Vegies!



Empower Wealth is a corporate member of PIPA. The PIPA is the peak industry body representing property professionals within Australia. Ben Kingsley, the founder of Empower Wealth, is a Qualified Property Investment Advisor (QPIA).


The Mortgage and Finance Association of Australia (MFAA) established in 1980, is  the peak industry body providing service and advocacy for mortgage brokers, finance brokers, mortgage managers, lenders (bank and non-bank), and originators to assist them develop, foster, and promote the mortgage and finance industry.


Copyright © Empower Wealth
Empower Wealth is the trading name of
Integrated Pathways Pty Ltd as trustee for Integrated Pathways Unit Trust
   ABN 13 653 728 295   / ACN 110 217 537
North Melbourne, Victoria
enquiries@empowerwealth.com.au