Australian Wealth Advisory
Ethical, contract‑based systems education aligned with Australia’s housing and wellbeing priorities.
A national, ethical, and contract‑based systems‑education organization providing transparent, evidence‑informed frameworks relevant to Australia’s housing and wellbeing priorities. Our work is designed to align with the directions of government policy and community needs, while remaining independent and education‑focused.IncomeBuilt Asset™ is a structured, contract‑based housing framework designed to provide clarity, transparency, and operational simplicity. It follows a clearly defined, fully managed rental‑use model and does not involve lending, financial products, investment mechanisms, or any form of regulated financial advice.
AWA provides systems education and contract‑based participation pathways only. We do not offer financial, legal, tax, or superannuation advice, and we do not assess personal suitability or eligibility.
Individuals must obtain independent licensed financial, tax, legal, SMSF, or lending advice before making any decisions relating to their personal circumstances. All information provided by AWA is general in nature and should not be relied upon as advice.
All information provided by AWA is general in nature and does not constitute financial, legal, tax or superannuation advice. Individuals — especially those considering actions involving a Self‑Managed Super Fund (SMSF) — must seek independent licensed guidance to understand how any framework may apply to their personal circumstances.
How the IncomeBuilt Asset™ Framework Works
Four Pathways. One Structured System.
Australian Wealth Advisory (AWA) provides four education‑led, contract‑based participation pathways that allow Australians to understand and engage with the IncomeBuilt Asset™ and oakZERO™ systems in a safe, transparent, and regulated‑boundary‑aligned manner.
These pathways operate outside financial product regulation, involve no financial advice, and use no investment mechanisms.
Every pathway is designed for clarity, accessibility, and long‑term structural stability.
1. SMSF Pathway
A structured participation pathway for individuals who already have an established Self‑Managed Superannuation Fund and want to understand how an IncomeBuilt Asset™ may operate within an education‑led, contract‑based commercial framework.
- AWA does not provide SMSF, superannuation, or financial advice.
- Trustees must obtain independent licensed advice for all SMSF matters.
- AWA’s role is limited to education and the provision of contractual system information.
2. Equity Pathway
A low‑footprint, contract‑based option for individuals using existing home equity within a defined commercial arrangement — without lending, borrowing, financial products, or investment structures.
This pathway provides:
- Predictable, contractual process steps
- Long‑term structural stability
- Clear, documented participation rules
- A fully managed IncomeBuilt Asset™ framework that is non‑speculative and not tied to traditional investment models
3. Zero‑Dollar Entry Pathway
An accessibility‑focused pathway requiring no upfront capital, enabling eligible participants to engage through transparent contracts, clear obligations, and education‑first onboarding.
This pathway prioritises:
- Simplicity
- Fairness
- Clarity
- Ethical participation
- Transparent long‑term arrangements
No pooled funds. No investment units. No financial product features.
4. DIY oakZERO™ Pathway
A self‑managed, direct‑purchase pathway for individuals, homeowners, organisations, and community groups who wish to:
- Purchase an oakZERO™ product outright
- Manage all approvals, delivery, installation and operations independently
- Engage licensed certifiers, builders, or professionals of their choosing
- Maintain complete control over installation and use
This pathway includes no AWA program management or tenancy services and remains fully separate from the IncomeBuilt Asset™ system.
It supports responsible, transparent, compliance-ready housing outcomes without creating a financial product, investment mechanism, or managed arrangement.
Why AWA Works Differently
The IncomeBuilt Asset™ and DIY oakZERO™ frameworks are not financial products.
They are education‑and‑participation systems delivered through commercial agreements, not regulated financial instruments.
They do not involve:
- Interests in real property
- Pooled investments or investor funds
- Units, shares, or securities
- Managed investment schemes
- Lending or borrowing
- Ownership structures that trigger CGT events
- Financial product advice or investment structuring
Because participation occurs through transparent commercial contracts rather than financial mechanisms, the system sits outside traditional financial‑services regulation.
What This Means
AWA’s frameworks are intentionally designed to operate with clarity, transparency and predictable process, without triggering regulated obligations under financial‑services law.
The IncomeBuilt Asset™ system therefore:
- Does not require financial services licensing
- Is not a managed investment scheme
- Is not a financial product
- Does not involve CGT‑triggering ownership interests
- Does not fall under AFSL or ASIC product‑level rules
- Does not require investment, tax, or financial‑product structuring
This reflects AWA’s commitment to providing a safe, compliant, contract‑based commercial environment, fully separated from regulated financial advice.
Why This Matters
This structured model ensures every pathway remains:
- Ethical and transparent
- Accessible to everyday Australians
- Aligned with legislative and regulatory boundaries
- Scalable, replicable, and operationally stable
AWA’s focus is on:
- Education
- Structure
- Governance
- Informed participation
We help Australians understand their position through a clear, safe, predictable commercial framework —
not a financial product, not financial advice, and not an investment scheme.
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
Australian Wealth Advisory (AWA) uses specific terminology to describe its educational, contract‑based frameworks, including references to IncomeBuilt Asset™, oakZERO™, Tiny Super Solutions™, RetireSmart Innovations™, and concepts such as systems‑based education or independent licensed professionals. These terms are used to explain AWA’s models at a general informational level and do not represent financial products, investment strategies, legal definitions, or personalised recommendations. All content is general in nature and designed to support understanding of how ethical, contract‑driven systems operate.Because individual circumstances vary, users must seek independent licensed financial, tax, legal, lending, or SMSF advice before acting on any matter relating to their personal situation. All licensed professionals operate independently of AWA. Our role is limited to education, system explanation, and contract‑based participation, not regulated advice or financial‑product activity.
Disclaimer:
Australian Wealth Advisory (AWA) provides general information and systems‑based education only. AWA does not provide financial advice, legal advice, tax advice or superannuation advice, and does not recommend, arrange, or deal in financial products. Any frameworks discussed — including the IncomeBuilt Asset™, oakZERO™, Tiny Super Solutions™, RetireSmart Innovations™, and related contract‑based models — are illustrative, educational explanations, not personal strategies, investment guidance, or recommendations. All financial, SMSF, lending, tax, and legal decisions must be made with independent licensed advice from qualified professionals such as financial advisers, mortgage brokers, SMSF specialists, tax agents, and legal practitioners. These professionals operate independently of AWA.AWA’s role is limited to education, system explanation, and contract‑based participation, not regulated advice or financial‑product activity.