Personal · Advice area
Build wealth you can access before retirement
Superannuation is an excellent long-term wealth-building vehicle — but many people also need investments outside super for flexibility and access to capital before retirement. We help you build a diversified portfolio around your goals.
Book Discovery Review- Diversified portfolios
- Access before retirement
- Tax-aware structuring
Flexibility and access, beyond superannuation.
While superannuation is an excellent long-term wealth-building vehicle, many clients also need investments outside super to provide flexibility and access to capital before retirement.
AWS helps you build diversified investment portfolios based on your goals, timeframes, and risk tolerance — so more of your money is working toward the outcomes that matter to you.
What’s included
What we help you invest in
Diversified across asset classes, matched to your goals and timeframe.
Investment options
A diversified mix, selected to suit your goals, timeframe, and risk tolerance.
- Managed funds
- Exchange Traded Funds (ETFs)
- Australian shares
- International shares
- Fixed interest
- Cash investments
- Investment bonds (where appropriate)
The benefits
Why invest outside super as well.
- Greater investment flexibility
- Access to funds before retirement
- Diversification beyond super
- Long-term wealth creation
- Tax planning opportunities
How we work
A clear, five-step engagement
Discovery
We understand your goals, timeframe, and appetite for risk.
Strategy
We design a diversified portfolio and structure it tax-effectively.
Advice Presentation
We present our recommendations, explain your options, and answer your questions so you can make an informed decision.
Implement
We help you put the investments and structures in place.
Review
We review performance and rebalance as your goals and markets shift.
Common questions
Before we talk
Why invest outside super at all?
Super is excellent for retirement, but you generally can’t access it until you meet a condition of release. Investments outside super give you flexibility and access to capital before then.
How much do I need to start?
It depends on your goals and cash flow rather than a fixed figure. We build a portfolio that suits your situation and can grow over time.
Will you manage the investments for me?
We provide the strategy, structure, and diversified portfolio design based on your goals and risk tolerance, and review it with you as things change.
Discovery Review
Start with a Discovery Review.
A no-obligation conversation about your position, your priorities, and whether we can help — before any advice, paperwork, or cost.