Asset protection advice for your peace of mind
The current economic climate is challenging many Australians, creating financial uncertainty. It’s now more important than ever to protect your assets, so that your family’s future is not at risk.
At AVA Advisory, we understand the responsibilities that come with being a business owner. Our asset protection advice gives you peace of mind, even when business gets tough. We help you protect your assets with expertise and care, so that you can focus on running your business.
What is asset protection and why is it important?
Asset protection is the process of safeguarding your personal wealth from risks and liabilities. For business owners, it creates a clear separation between your business and personal assets. This helps you protect your family’s financial future from unexpected business challenges.
At AVA Advisory, our goal is to collaborate with you before it’s too late to protect your wealth. By taking a proactive and pre-emptive approach, you can address risks, strengthen resilience and breathe easier during more difficult times.
Every team member at AVA Advisory has firsthand experience as business owners. We’ve experienced both sides of the equation having started, scaled and sold businesses ourselves, while also helping business navigate through financial challenges. This unique perspective means we understand what’s at stake when it comes to protecting your assets. And we know the most effective strategies to do it.
Snapshot into the current Australian financial climate
The following statistics highlight why protection your personal wealth is crucial.
of new bankruptcies are initiated by debtors
during the 2023-2024 financial year.
rise in small businesses being vulnerable of collapse
in the 12 months to March 2024.
of Australian Tax Office debt
is owed by small business owners.
Features and benefits of our asset protection services
Many business owners don’t know where to start when it comes to asset protection. The AVA Advisory team understands the importance of protecting your family’s financial future. We’ll work closely with you to create an asset protection strategy that suits your needs.
Comprehensive risk mitigation
Asset protection takes a multi-layered approach to safeguarding your wealth.
Increased safety and security
Asset protection doesn’t only take into account financial considerations. It’s also about employee and customer safety.
Operational efficiency
Effective asset protection contributes to smoother business operations.
Tailored strategies
We tailor our asset protection strategies to your circumstances. We do this by optimising your business structure and consider spousal ownership strategies.
Legal compliance and risk management
We ensure our asset protection services adhere to legal requirements. We also recommend appropriate insurance coverage to protect you from various risks.
Long-term wealth preservation
Our asset protection services focus on securing your wealth for the future. This includes estate planning and tax considerations.
Gain control with Australia's trusted asset protection specialists
Our process is thorough, transparent and tailored to your needs. Here’s how we work with you to secure your financial future:
Initial consultation
We start with a confidential discussion to understand your current situation and goals.
Strategy development and implementation
We create asset protection strategies customised to your current situation and business. Once you give us the green light, we help you implement them.
Ongoing protection
Asset protection requires ongoing monitoring. As your business grows, faces challenges or circumstances change, we ensure your personal wealth stays protected.
Your asset protection services
We give you clarity and confidence about protecting your wealth, using strategies that work. Our team guides you every step of the way, so that you never have to face important decisions alone.
Personal Asset Protection
We help you create a clear separation between your business and personal assets. Our team works closely with you to understand your unique situation before:
- providing and implementing our advice
- offering ongoing support to ensure your wealth stays protected as circumstances change
Features and benefits of our asset protection services
Many business owners don’t know where to start when it comes to asset protection. The AVA Advisory team understands the importance of protecting your family’s financial future. We’ll work closely with you to create an asset protection strategy that suits your needs.
Comprehensive risk mitigation
Asset protection takes a multi-layered approach to safeguarding your wealth.
Increased safety and security
Asset protection doesn’t only take into account financial considerations. It’s also about employee and customer safety.
Operational efficiency
Effective asset protection contributes to smoother business operations.
Tailored strategies
We tailor our asset protection strategies to your circumstances. We do this by optimising your business structure and consider spousal ownership strategies.
Legal compliance and risk management
We ensure our asset protection services adhere to legal requirements. We also recommend appropriate insurance coverage to protect you from various risks.
Long-term wealth preservation
Our asset protection services focus on securing your wealth for the future. This includes estate planning and tax considerations.
Our team's expertise and achievements
The team at AVA Advisory brings something unique to asset protection: we’re business owners ourselves. Our experience and expertise means we understand what’s at stake when protecting your personal wealth.
Our teams include:
- Financial professionals
- Chartered accountants
- Valuation specialists
- Corporate advisors
We’ve helped many business owners through periods of growth as well as challenging times. This means you get the best of both worlds – expert knowledge with real-world understanding.
Gain control with Australia's trusted asset protection specialists
Our process is thorough, transparent and tailored to your needs. Here’s how we work with you to secure your financial future:
Initial consultation
We start with a confidential discussion to understand your current situation and goals.
Strategy development and implementation
We create asset protection strategies customised to your current situation and business. Once you give us the green light, we help you implement them.
Ongoing protection
Asset protection requires ongoing monitoring. As your business grows, faces challenges or circumstances change, we ensure your personal wealth stays protected.
Our team's expertise and achievements
The team at AVA Advisory brings something unique to asset protection: we’re business owners ourselves. Our experience and expertise means we understand what’s at stake when protecting your personal wealth.
Our teams include:
- Financial professionals
- Chartered accountants
- Valuation specialists
- Corporate advisors
We’ve helped many business owners through periods of growth as well as challenging times. This means you get the best of both worlds – expert knowledge with real-world understanding.
Gain control with Australia's trusted asset protection specialists
Our process is thorough, transparent and tailored to your needs. Here’s how we work with you to secure your financial future:
Initial consultation
We start with a confidential discussion to understand your current situation and goals.
Strategy development and implementation
We create asset protection strategies customised to your current situation and business. Once you give us the green light, we help you implement them.
Ongoing protection
Asset protection requires ongoing monitoring. As your business grows, faces challenges or circumstances change, we ensure your personal wealth stays protected.
Our team's expertise and achievements
The team at AVA Advisory brings something unique to asset protection: we’re business owners ourselves. Our experience and expertise means we understand what’s at stake when protecting your personal wealth.
Our teams include:
- Financial professionals
- Chartered accountants
- Valuation specialists
- Corporate advisors
We’ve helped many business owners through periods of growth as well as challenging times. This means you get the best of both worlds – expert knowledge with real-world understanding.
Gain control with Australia's trusted asset protection specialists
Our process is thorough, transparent and tailored to your needs. Here’s how we work with you to secure your financial future:
Initial consultation
We start with a confidential discussion to understand your current situation and goals.
Strategy development and implementation
We create asset protection strategies customised to your current situation and business. Once you give us the green light, we help you implement them.
Ongoing protection
Asset protection requires ongoing monitoring. As your business grows, faces challenges or circumstances change, we ensure your personal wealth stays protected.
Our team's expertise and achievements
The team at AVA Advisory brings something unique to asset protection: we’re business owners ourselves. Our experience and expertise means we understand what’s at stake when protecting your personal wealth.
Our teams include:
- Financial professionals
- Chartered accountants
- Valuation specialists
- Corporate advisors
We’ve helped many business owners through periods of growth as well as challenging times. This means you get the best of both worlds – expert knowledge with real-world understanding.
When should you consider asset protection services?
Here are some situations where our asset protection advice will help you gain peace of mind:
Pre-emptive planning
You should get asset protection advice before any financial issues arise. This includes when you start a business or when you experience rapid growth or expansion. You should also get advice before taking on significant personal or business debt.
High-risk scenarios
Certain situations justify seeking immediate asset protection advice, including:
- operating in industries prone to litigation
- businesses affected by economic downturns or industry-specific challenges
- if you’re considering providing a personal guarantee for a business loan
Business lifecycle stages
Different stages of a business cycle attract specific asset protection strategies. Startups benefit from using proper structures from the outset. Businesses in the growth phase should review and adjust their protection as they expand. Mature businesses should regularly review their strategies to ensure they remain effective.
Personal circumstances
A change of circumstances can significantly affect how you protect your assets. Advice is recommended when:
- getting married or divorced
- purchasing or inheriting substantial personal assets
Economic indicators
The Covid-19 pandemic has highlighted the importance of being vigilant during times of:
- economic recession or downturn
- industry disruption, and
- significant market volatility
Why timing matters
Quick action can transform a crisis into an opportunity for business recovery. The earlier you seek help, the more options you have to protect your business and personal assets.
Early action advantages
More time to negotiate with creditors
Better chances of arranging manageable payment plans
Greater flexibility in restructuring options
Reduced risk of personal liability
Protection of business relationships and reputation
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.
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“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.”
“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.”
“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.”
“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.”
“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.”
“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.”
FAQs
Find answers to common questions about corporate advisory.
Your business is insolvent if you're unable to pay debts when they are due. The cash flow test is the main test to determine this. This test checks your company's finances to see if you're able to pay current and future financial commitments.
Here are some mistakes our team commonly see when trying to protect assets:
- People considering asset protection when they’re already facing financial difficulties. By then, it might be too late.
- People transferring assets to trusts or spouses when they’re facing a financial crisis. Our legal system can reverse such transfers.
- Business owners who don’t keep personal and business assets separate. This can expose your personal wealth to business liabilities, and vice versa.
- While insurance plays an important part in asset protection, it doesn’t provide complete coverage. Many people also don’t double-check what’s covered in their policies.
- Trusts can be powerful for asset protection. Mistakes are made when setting up trusts, which can lead to assets not being adequately protected.
- Asset protection isn’t a set-and-forget strategy. Reviewing your strategy regularly is essential, to ensure your strategies remain effective and to take into account any changes in circumstances.
Still have questions?
Get in touch for more information.
How AVA Advisory helps
We’ve guided hundreds of Australian businesses through urgent financial challenges. Our approach combines technical expertise with genuine understanding of the pressures you face.
Expert negotiation
We deal directly with the ATO and creditors on your behalf, using our experience to seek the best possible outcomes.
Protecting your interests
Our specialists help shield both your business and personal assets, while working towards sustainable outcomes.
Strategic planning
We develop clear action plans that address your immediate pressures while building long-term stability.
Clear communication
Stay informed with regular updates and straightforward explanations of your options and progress.
Join us on the journey to resilience
At AVA Advisory, we believe that every business deserves the chance to not just survive but thrive. Our team is here to provide the expert guidance, personalised solutions, and empathetic support you need to overcome financial challenges and achieve long-term success. Whether you’re facing insolvency, struggling with debt, or looking for ways to improve your financial management, we’re here to help.
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.
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Andrew is an established expert in insolvency, business restructuring and debt management with 17+ years of experience.
Art is an experienced director, helping support businesses post-insolvency become more efficient and achieve sustainable success.
Hannah is an experienced creative with over 20 years experience in brand strategy, design and user experience .
Sam has a background in administration and business solutions and works directly with our clients to achieve financial freedom.
Anastassiya is an insolvency and client advisor with experience in accounting, finance and debt management.
Nadya helps support SMBs through their insolvency process, driving success and ensuring a seamless experience.
Dhru offers empathetic support and valuable insights for businesses seeking debt management assistance.
Michael works directly with clients to learn more about their individual circumstances and connects them with specialist advice.
Alex supports clients throughout their restructuring journey by organising intake and preparing documentation.
Shai is an organised multitasker, ensuring our seamless operations, schedules and executive support.
Ellie works directly with clients to learn more about their individual circumstances and connects them with specialist advice.
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Reach out to our friendly team for an obligation-free, cost-free consultation. Share details of your situation and concerns in confidence. Clarity, relief, and a brighter future for you and your business are only a few steps away.
