Safeguard your personal assets when facing financial hurdles

In the complex world of business, economic downturns will put your personal property at risk. These things are stressful, and at AVA Advisory we know it. With our Personal Asset Protection services, we offer you individual solutions to shield your assets from business risk and provide peace of mind in times of uncertainty.

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Ways to protect your personal wealth from business risks

Personal Asset Protection advisory is about reviewing your personal financial profile and making sure you have mechanisms in place to protect your personal assets against any potential business-related risk. This service is vital for business owners, directors and stakeholders to safeguard their personal wealth against unexpected business losses.

Is Personal Asset Protection right for your situation?

As Australia experiences record-high business insolvencies and more aggressive creditor actions, protecting your personal wealth from business risks has never been more crucial for business owners and directors.

Many business owners unknowingly expose their family homes, savings and investments to significant risk through personal guarantees or inadequate business structures. Without proper protection, your personal assets could be vulnerable to business creditors and legal claims.

Our Personal Asset Protection service offers tailored strategies designed to create clear separation between your business and personal finances. With our expert guidance, you can safeguard your family’s financial future while still pursuing your business ambitions with greater peace of mind and confidence.

Our process pillars

We concentrate on three core pillars of transformation – Improvement, Growth and Support – backed by ongoing advice and performance oversight.

In simple terms, we guide you in running your business more efficiently and sustainably. We work with you to assess the market for your product, develop a growth plan and increase earnings. We parallel these efforts by assisting with back-office management and connecting you with trusted outsourced resources and service providers.

Month-to-month, we help you transform your business and boost daily performance. As Australian businesses navigate some of the toughest operating conditions in decades, we empower you to thrive.

Features and benefits

What makes AVA Advisory the right choice for protecting your personal assets?

Personalised asset protection plans

We create strategies that fit your unique financial situation and business structure, providing you with the best protection possible.

Legal structure optimisation

Our team evaluates and suggests the best legal structures, like trusts or companies, to help keep personal assets safe from business liabilities.

Risk assessment and mitigation

We take a close look at potential risks to your personal assets and put in place strategies to help reduce those risks.

Compliance with Australian law

Simplify and optimise workflows for increased productivity and profitability so that your business can continue to thrive.

Ongoing monitoring and support

We’re here for you with ongoing monitoring and support, ready to adjust your asset protection strategies as your business and personal situations evolve.

Confidential and compassionate guidance

We know it is difficult to be on your own financial journey, and we are here to help. We offer professional and private advisory services to help you navigate these challenging times.

When is it a good idea for a business to get advice on protecting personal assets?

If you're facing any of the following situations, get in touch with one of our friendly team members to discuss:

Increasing business debts which could affect your personal assets.
Claims against your own personal assets or legal proceedings that could place your personal wealth at risk.
Restructuring or winding-up of businesses where personal asset exposure is involved.
Providing personal guarantees for business loans or debts.
An interest in proactive protection of personal wealth against unpredictable business risks.

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When is it a good idea for a business to get advice on protecting personal assets?

If you're facing any of the following situations, get in touch with one of our friendly team members to discuss:

Increasing business debts which could affect your personal assets.
Claims against your own personal assets or legal proceedings that could place your personal wealth at risk.
Restructuring or winding-up of businesses where personal asset exposure is involved.
Providing personal guarantees for business loans or debts.
An interest in proactive protection of personal wealth against unpredictable business risks.

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Safeguard your personal wealth with expert asset protection

Providing strategic guidance to shield your personal assets from business risks, our personal asset protection services are designed to deliver lasting security. Together, we’ll establish robust structures that separate your personal wealth from business liabilities throughout each stage of your entrepreneurial journey.

Implement safeguards

Turn vulnerability into security. We work alongside you to establish appropriate legal structures, ensuring your personal assets remain protected from business challenges with strategies tailored to your specific situation.

Secure your future

Access protective solutions backed by deep expertise across trust structures, asset ownership and compliance requirements – bridging business operations with personal financial security.

Gain peace of mind

Harness the power of strategic planning. We create clear separation between your business and personal interests, giving you and your family confidence and security even during business uncertainty.

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Why your personal assets need protection now

Australia’s financial landscape presents growing risks for business owners who don’t separate personal and business financials. These statistics reveal why acting today matters.

90%

Of new bankruptcies are initiated by debtors themselves

During the 2023-2024 financial year, showing many Australians face overwhelming financial pressure

65%

Of ATO debt falls on small business owners

Creating personal liability risks that could threaten your family’s financial security

20%

Increase in small businesses at risk of collapse

In the 12 months to March 2024, putting owners’ personal assets in jeopardy without proper protection

Our approach to Personal Asset Protection

At AVA Advisory, we take a thoughtful approach to safeguarding your personal assets.

Stage 1:

Initial assessment

We start by taking a close look at your personal and business finances to pinpoint any potential risks.

Stage 2:

Strategy development

After evaluating your situation, we create customised asset protection strategies that fit your unique needs and goals.

Stage 3:

Implementation

We help put the suggested strategies into action, which might involve changing ownership structures, setting up trusts, or updating legal agreements.

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Understanding Australian legal standards for Personal Asset Protection

We offer Personal Asset Protection advisory services that are built on a solid understanding of Australian legal standards, such as the Bankruptcy Act and the Corporations Act.

We work closely with business owners, their legal advisers, and accountants so that all asset protection steps follow the relevant laws and regulations, keeping your personal assets safe while staying within legal boundaries.

As Personal Asset Protection advisers, it’s important to us that our clients are familiar with Australian laws and regulations and ensure that personal assets are properly protected. Key considerations include:

Using trust structures to protect assets

A discretionary trust can protect assets from business obligations as trust assets don’t count as part of the estate under the Bankruptcy Act 1966 (Cth). But it is important to make sure the trust is set up in the right way and is not an illusion for the purposes of law.

Application of Personal Property Securities Act 2009 (PPSA)

The PPSA covers personal property security interests. If you register your security interests on the Personal Property Securities Register (PPSR), you are safeguarding your personal property interests against third-party claims. It is a registration that gives priority over unregistered or post-registered interests.

Following guidance from the Corporations Act 2001 (Cth)

This Act lays out the responsibility of directors. Directors who observe these obligations – namely, in good faith and in the best interests of the company – will limit their personal liability exposure. A breach can expose individual assets, so follow-through is critical.

Keeping up to date with the Taxation Administration Act 1953 (Cth)

The Act personalises company directors for taxes owed, such as missing PAYG withholdings and Superannuation Guarantee Charge (SGC) amounts. The directors need to make sure these are paid on time so that they can remain unpunished.

Understanding how the Bankruptcy Act 1966 (Cth) works

This Act explains how individual assets are handled during personal bankruptcy. Some personal assets can be held in trust, which provides a certain level of protection against creditors' claims. However, other assets that become part of the bankruptcy can go to creditors. Using asset protection plans before you run into problems is key as transactions that are made in an attempt to avoid creditors can be revoked (claw-back provisions).

Working with AVA Advisory was a game-changer for our small business. Their expertise and guidance helped us successfully restructure and stabilise our operations, paving the way for financial success. We highly recommend their services.

John Doe

CEO, ABC Company

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Name Surname

Position, Company name

“AVA have been able to help guide us in terms of what we’ve needed financially. We’ve also engaged them with legal actions that we’ve wanted to prepare ourselves for.

To know we have that confidence behind us should anything go round or should we need those services is absolutely brilliant.”

Rebecca Kirikino

R&B Mining

“After the initial consultation with AVA, we felt that our issues were completely understood and very quickly our minds were put at ease.

We knew we needed to find a company that could actually communicate with the ATO on our behalf. An incredible amount of pressure was taken off me.”

Kristina Drage

Nabawa Valley Tavern

“All of the AVA team have such great expertise and dealt with everything in so professionally. At no point did we ever feel lost or like they wouldn't be able to assist us.

We highly recommend AVA Advisory because of their expertise and dedication to getting a business where it needs to be.”

Lorraine Judd

LCD Lifestyle Group

“I had massive bad debt standing over my head from our tax bill. The SBR process was painless and easy.

AVA Advisory changed everything for me. Their team did all the work – all I did was answer their questions. They were really good at following up, and communicating things in terminology I could understand.”

Todd Kempton

Locale Kitchen

“AVA Advisory continue to identify any operational or financial exposure that we might have. They’ve been so good at helping us extrapolate to where we want to be, to plan financially, so that we can just really focus on being creative and marketing our business.

We feel like we are in really safe hands.”

Angela Murphy

Happy Film

“We went through the SBR process and negotiated our tax rate down, then came up with a plan to repay a portion of the tax that our company could afford.

AVA Advisory really showed empathy – they understood the situation and adapted it to help us. They just didn't treat us like everybody else.”

Nikki

Arkus Auto Services

Do you need a half-yearly health check?

Our half-yearly health checks are essential for keeping your business on track. Using our diagnostic process, we reassess your position, measure the impact of transformation efforts and monitor performance changes. This allows us to stay ahead of any necessary adjustments, refining your strategy and aligning it with evolving goals.
With flexible mentoring options and check-in points, we tailor the process to fit your needs, ensuring continuous growth and improvement.

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FAQs

Protecting your personal assets is essential when facing business risks or financial uncertainty. Our FAQs address common concerns and provide insights into how we can help safeguard your wealth.

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Meet our team

Our dedicated team of industry experts bring a wealth of knowledge and experience, from debt management and business transformation to high-level corporate advisory. Guided by integrity and trust, we are vibrant and future-focused, with a commitment to professional and financial excellence.