Australian Wealth Advisory
Ethical, policy‑aligned systems education contributing to Australia’s housing and wellbeing agenda.
A national, ethical and policy‑aligned systems‑education organization contributing transparent, evidence‑informed frameworks relevant to Australia’s housing and wellbeing agenda, and to the work of government, Housing Australia initiatives, community housing providers and First Nations organizations.
All information provided by AWA is general in nature and does not constitute financial, legal or tax advice. Individuals considering any action involving a Self‑Managed Super Fund (SMSF) should seek personalized guidance from a licensed financial adviser and ensure their fund complies with all ATO and regulatory requirements.
IncomeBuilt Asset™ is a structured, contract‑based framework designed for clarity, transparency, and operational simplicity.
It follows a clearly defined, fully managed income structure and does not involve lending, financial products, or any form of regulated financial advice.
AWA provides education, frameworks, and commercial systems only.
We do not offer financial, tax, legal, or superannuation advice, and we do not assess personal suitability or eligibility.
Participants are responsible for obtaining their own independent professional advice from licensed financial, tax, or legal practitioners to understand how any structure may interact with their personal circumstances, obligations, or regulatory requirements.
All information provided is general in nature and should not be relied upon as advice.
How the IncomeBuilt Asset™ Framework Works
Three Pathways. One Structured System.
Australian Wealth Advisory provides three education‑led, contract‑based participation pathways that allow everyday Australians to understand and engage with the IncomeBuilt Asset™ system.
Each pathway operates outside financial product regulation, with no financial advice and no investment mechanisms.
Every pathway is built for clarity, accessibility, and long‑term structural stability.
1. SMSF Pathway
A structured, repeatable participation pathway for individuals who already have an SMSF established and want to explore how an IncomeBuilt Asset™ may fit within a commercial, education‑led framework.
- This pathway involves no superannuation or financial advice.
- Participants are required to seek their own independent SMSF and financial guidance from licensed professionals.
- AWA’s role is limited to education and the provision of contractual system information.
2. Equity Pathway
A low‑footprint, contract‑based pathway that allows participants to utilise existing home equity without lending, borrowing, or investment products.
This pathway provides:
- predictable, contractual system structure
- long‑term stability
- clear, commercial participation rules
- a fully managed IncomeBuilt Asset™ framework not tied to speculation or traditional property models
3. Zero‑Dollar Entry Pathway
A highly accessible pathway requiring no upfront capital, designed for eligible participants who wish to engage within a transparent, ethical, contract‑based commercial structure.
This pathway prioritises:
- simplicity
- fairness
- clarity
- education‑first participation
- transparent long‑term agreements
Why AWA Works Differently
IncomeBuilt Asset™ frameworks are not financial products. They are education‑and‑participation systems delivered through commercial agreements, not regulated instruments.
They do not involve:
- interests in real property
- pooled investments
- units, shares, or securities
- managed investment schemes
- lending or borrowing
- ownership structures that trigger CGT events
Because the pathways operate via contractual commercial arrangements rather than financial structures, they sit outside traditional financial-services regulation.
What This Means
AWA’s frameworks are designed to offer clarity without triggering regulated obligations. As a result, the IncomeBuilt Asset™ system:
- does not require financial services licensing
- is not a managed investment scheme
- is not a financial product under the Corporations Act
- does not involve CGT‑triggering ownership interests
- does not fall under AFSL or ASIC product‑level oversight
- does not require investment, tax, or financial‑product structuring
These characteristics reflect AWA’s commitment to operating within a safe, compliant, contract‑based commercial environment, fully separated from regulated financial advice.
Why This Matters
This structured model enables AWA to provide clarity without complexity, ensuring every pathway remains:
- Ethical and transparent
- Accessible to everyday Australians
- Aligned with legislative and regulatory boundaries
- Scalable, replicable, and commercially stable
AWA’s focus is on:
- education
- structure
- governance
- informed participation
We help Australians understand their position more clearly while engaging through a safe, predictable, contract‑based system — not a financial product.
Understand Your Participation Options
Participants are encouraged to involve their licensed financial, legal, or tax professionals when reviewing any AWA framework.
Case Studies
1 
Zero‑Dollar Entry Pathway
Profile
- Participant: David, 54
- Occupation: Public Transport Supervisor
- Household Income: $102,000
- Borrowing Capacity: Does not qualify for lending
- Site Detail: 110m² of suitable land identified through AWA’s assessment
Situation
David owns his home and has stable income, but tightened lending standards mean he cannot access credit for investment or secondary construction.
He wants a transparent, low‑risk structure that does not involve borrowing, refinancing, or regulated financial products.
How the Zero‑Dollar Entry Pathway Works
- AWA identifies an unused portion of David’s property that meets the structural and compliance criteria required for an IncomeBuilt Asset™.
- Under AWA’s Zero‑Dollar model, David does not purchase the Asset.
- Instead, AWA deploys the Asset on his land under a Commercial Land‑Use Agreement.
- AWA operates, manages, and maintains the Asset, and David receives a contractually defined commercial income stream for the land use.
- No lending, no equity release, and no financial products are involved.
Outcome
David converts unused land into a governed, predictable commercial income source without capital contribution, borrowing, or financial risk exposure — fully aligned with a non‑financial‑product, contract‑based framework.
Zero‑Dollar Entry Pathway
Disclaimer:
This example is illustrative only and does not constitute financial, tax, superannuation, or legal advice.
The Zero‑Dollar Entry Pathway operates through a commercial land‑use agreement, not a financial product, investment structure, or lending arrangement.
Participants must obtain independent advice from licensed professionals to determine how any commercial arrangement aligns with their personal circumstances and obligations.
2
Equity Pathway
Profile
- Participant: Priya, 47
- Occupation: Clinical Services Manager
- Home Value: $760,000
- Mortgage: $260,000
- Equity Position: Moderate
Situation
Priya has available equity but falls short of traditional bank thresholds for investment lending due to recent increases in household expenditure and serviceability requirements.
She wants a structure that allows her to use part of her equity without entering financial markets or taking on further debt.
How the Equity Pathway Works
- Priya allocates a portion of her home equity to purchase an IncomeBuilt Asset™ outright.
- Upon purchase, she signs a Commercial Lease Agreement with AWA.
- AWA leases the Asset from Priya and manages all operational responsibilities, including deployment, utilization, and ongoing service obligations.
- Priya receives a contractually defined lease payment, not an investment return.
- No units, securities, pooled assets, or financial products are created.
Outcome
Priya gains a stable, contract‑based commercial income stream backed by an Asset she owns — without borrowing and without entering a regulated investment environment.
Her equity is converted into a predictable, governed income structure.
Equity Pathway — Disclaimer
This case study is general information only.
Purchasing an IncomeBuilt Asset™ and entering into a Commercial Lease Agreement with AWA does not create a financial product, investment interest, or managed investment scheme.
All participants are responsible for seeking independent financial, legal, and tax advice before entering any commercial asset agreement.
3
SMSF Pathway
Profile
- Participant: Gregory, 61
- Occupation: Engineering Consultant
- SMSF Balance: $420,000
- Adviser: Existing licensed SMSF professionals engaged
Situation
Gregory’s SMSF trustee has confirmed — with assistance from licensed advisers — that the fund may acquire an IncomeBuilt Asset™ under a commercial contract, provided the trustee independently verifies compliance.
Gregory wants a structure that:
- avoids financial products,
- avoids managed investment schemes,
- avoids market‑linked exposure,
- and maintains full SMSF governance clarity.
How the SMSF Pathway Works
- Gregory’s SMSF, acting through its trustee, purchases an IncomeBuilt Asset™.
- The SMSF enters into a Commercial Lease Agreement with AWA, under which AWA leases and manages the Asset.
- The Asset and agreement are documented as commercial, contractual arrangements, not investment products.
- All decisions remain under independent professional advice and SMSF trustee authority.
- AWA provides system documentation and operational clarity — but no financial advice.
Outcome
Gregory’s SMSF engages in a transparent, contract‑based commercial arrangement fully aligned with SMSF governance expectations.
The fund receives a defined lease payment, not a financial return or market‑linked performance outcome, preserving compliance boundaries.
SMSF Pathway — Disclaimer
This example does not constitute SMSF, financial, tax, or legal advice.
Any SMSF trustee considering a commercial contract must rely on licensed independent advisers to assess compliance with superannuation law and trustee obligations.
AWA’s frameworks operate as commercial contracts only and are not financial products, units, pooled investments, or managed schemes.
Built with AWA
Trusted. Compliant. Future‑Focused.
AWA works alongside licensed financial professionals, SMSF specialists, accredited builders, and independent compliance partners to ensure every IncomeBuilt Asset™ is delivered through a clear, contract‑based, non‑financial‑product framework.
Our role is not to provide advice — we provide education, structure, and governed commercial systems that integrate smoothly with your existing professional advisers.
Our support team is available for general enquiries, documentation requests, and assistance navigating the AWA framework.
Every IncomeBuilt Asset™ purchase or membership allocation operates under clear commercial terms.
Where offered, refundability, transferability, or redeemability are governed by transparent contract provisions — not financial product rules — allowing participants to move forward with confidence and procedural certainty.
No hidden conditions. No complexity. Just transparent commercial governance designed to protect all parties.
Independent Licensed Professionals with Proven Processes We Trust.
Advisor Plus, led by Managing Director Leon Hinde, is a licensed financial planning organization offering independent SMSF compliance and financial guidance. They assist individuals exploring whether an SMSF structure is suitable for their personal circumstances, including scenarios related to AWA’s IncomeBuilt Asset™ educational pathway.
Phone: 1300 614 002
Website: www.advisorplus.com.au
Category
Independent Licensed Professionals with Proven Processes We Trust.
Abundance Group, led by Managing Director Angela Del Marco, is an independently licensed finance organization that AWA refers individuals to when they require personalized lending or refinancing advice. Their team provides regulated support including refinancing, debt restructuring and equity assessments, including scenarios connected to AWA’s IncomeBuilt Asset™ educational pathway.
Credit License: 486101
Phone: +61 413 774 244
Website: www.theabundancegroup.com.au
Glossary Of Terms: This website uses terms that relate to AWA’s educational frameworks, including IncomeBuilt Asset, “systems education,” “evidence‑informed,” and references to independent licensed professionals. These terms describe how AWA explains Australia’s housing, financial and regulatory systems at a general level and do not represent financial products, investment recommendations, legal definitions or personalized strategies. For full clarity, individuals should consult the complete Glossary of Terms and seek guidance from independent licensed professionals to understand how any concept applies to their personal circumstances. All information on this website is general in nature.
Disclaimer: Australian Wealth Advisory (AWA) provides general information and systems‑based education only. AWA does not provide financial, legal, tax or superannuation advice, and does not recommend or arrange financial products. Any frameworks discussed — including the IncomeBuilt Asset educational model — are illustrative and not personal strategies or investment guidance. Individuals must obtain personalized advice from independent licensed professionals such as financial advisers, mortgage brokers, SMSF specialists, tax agents and legal practitioners before making any financial or superannuation decisions. All licensed professionals operate independently of AWA.