AM ADVISORY.

AM ADVISORY. A Financial Growth Partner to Ambitious Business Owners & Investors! Both Ash & Mahesh are Credit Representatives of BLSSA PTY Ltd (ACL 391237)

AM Advisory, as a brand, was founded in 2015 by Mr Ashish (Ash) Chokhal in association with his long-standing friend Mr Mahesh (Matt) Thapa. The brand was formed with vision to ‘boost financial base’ of its valued clients – be it clients in business; be it clients with Investment properties; or be it clients with any other investments. Our founders believed that with their experience and expertise

gained through working in the field of Business Consulting; Finance/Financial Consulting, and Taxation Adviosry for nearly 20 years (now combined) they would assist aimbitious Business owners & Property Investors in Australia to pursue their financial goals.

Most Australians have insurance for their assets — but not for themselves.Personal insurance is designed to protect your...
28/05/2026

Most Australians have insurance for their assets — but not for themselves.

Personal insurance is designed to protect your financial position if you become seriously ill, permanently disabled, unable to work, or pass away.

One of the biggest gaps we see is Income Protection Insurance. Without it, a temporary illness or injury could leave families struggling to cover everyday expenses.

Default cover through super is often basic and may not reflect your actual lifestyle, debts, income, or family needs.

The right structure isn’t just about protection — it’s about peace of mind.

26/05/2026

You insure your car, your home, maybe even your phone. But have you insured the one thing that funds your entire lifestyle — your income?

Many Australians are dangerously underinsured and rely solely on default super fund cover without realising it may not be enough for their mortgage, children, debts, or long-term financial commitments.

The four key types of personal insurance:
✔️ Life Insurance
✔️ TPD Insurance
✔️ Trauma Insurance
✔️ Income Protection Insurance

The right cover can protect your family, your income, and your financial future if life takes an unexpected turn.

A bank valuation doesn’t always tell the full story.We recently had a client request a valuation before signing a contra...
24/05/2026

A bank valuation doesn’t always tell the full story.

We recently had a client request a valuation before signing a contract. While we managed to get an internal valuation completed, the bigger issue was that the client didn’t fit that lender’s policy.

The key takeaway?
✔️ Property value matters
✔️ Lending policy matters just as much

And remember — different lenders may assess the same property completely differently.

Before making an offer, compare recent sales on realestate.com.au or domain.com.au to understand the true market value first.

A little research upfront can save you thousands later.

21/05/2026

Before you sign a contract, understand how property valuations actually work.

In most cases, banks won’t complete a full valuation until there’s a signed contract of sale. Some lenders may allow an upfront internal valuation — but approval still depends on whether you meet their lending criteria.

Also, one bank’s valuation can be very different from another’s.

That’s why the best starting point is doing your own market comparison:
👉 Review recent sold properties
👉 Compare similar homes in the same suburb
👉 Focus on sales within the last 3 months

Knowing the market value — and your borrowing position — puts you in a much stronger negotiating position.

If you’re unsure, reach out — we’ll help you position your offer the right way.

One of the biggest estate planning misconceptions in Australia? Thinking your super automatically forms part of your est...
19/05/2026

One of the biggest estate planning misconceptions in Australia? Thinking your super automatically forms part of your estate.

It doesn’t.

Without proper estate planning and a valid BDBN, your super may not end up where you intended. There can also be significant tax consequences depending on who receives the benefit.

Life changes: marriage, divorce, children, growing wealth — all impact your estate planning needs.

Now is the time to review your arrangements and ensure your wishes are properly documented.

Speak with your financial adviser and estate planning lawyer.

18/05/2026

SMSF Estate Planning Mistake Most People Don’t Realise They’re Making

Many Australians assume their super is covered by their Will — but it isn’t. Even in an SMSF, super does not automatically form part of your estate.

To control where your super goes, you need a Binding Death Benefit Nomination (BDBN). This directs your trustee on who receives your super when you die.

Without it, your benefits may be paid in a way you didn’t intend — and if left to a non-dependant adult child, tax of up to 32% may apply.

If there’s no Will, your estate is distributed under intestacy laws — not your wishes.

Estate planning isn’t set and forget. Life changes, and so should your arrangements.

Speak with your adviser and estate planning lawyer to ensure everything is structured correctly.

Why SMSFs can be tax effective?A balanced portfolio earning 7% inside a Self-Managed Super Fund could mean keeping thous...
14/05/2026

Why SMSFs can be tax effective?

A balanced portfolio earning 7% inside a Self-Managed Super Fund could mean keeping thousands more each year thanks to super’s lower tax environment.

And the advantage doesn’t stop there — over time, the tax savings can help your retirement balance grow even faster. 📈

✔️ Lower tax on investment earnings
✔️ Potential benefits from fully franked dividends
✔️ More of your money staying invested for your future

Swipe through to know the difference. ➡️

12/05/2026

Most people focus on returns. Smart investors focus on what they keep after tax.

A $50,000 investment earning 7% inside a super can create a very different outcome compared to investing personally, especially over 10, 15, or 20 years of compounding.

From lower tax rates in the accumulation phase to potential tax-free income in retirement, understanding how super works could make a significant difference to your long-term wealth strategy.

Paying off your loan faster doesn’t have to mean giving up the lifestyle you enjoy.The real secret? Small habits = Massi...
11/05/2026

Paying off your loan faster doesn’t have to mean giving up the lifestyle you enjoy.

The real secret? Small habits = Massive long-term impact.

A few extra repayments here. Smarter money management there.

Consistent habits over time can reduce interest, shorten your loan term, and help you build wealth faster, without making drastic changes to your current lifestyle.

It’s not about earning more overnight. It’s about making your money work smarter over the long run.

Want to explore strategies that could help you become debt-free sooner? Let’s talk.

Everyone talks about price growth, but smart investors focus on total return. 📈Residential property can deliver strong l...
07/05/2026

Everyone talks about price growth, but smart investors focus on total return. 📈

Residential property can deliver strong long-term capital growth and help build wealth over time. Commercial property often provides higher cash flow, stronger yields, and potentially greater overall returns.

The key isn’t choosing one over the other - it’s understanding how each investment fits your strategy, goals, and risk profile.

If you’re only investing in one, you might be missing half the opportunity.

Want help understanding which strategy suits you best? Let’s talk. 📩

Address

Suite 43, Level 4, 410 Church Street
Sydney, NSW
PARRAMATTANSW2150

Opening Hours

Monday 8:30am - 6pm
Tuesday 8:30am - 6pm
Wednesday 8:30am - 6pm
Thursday 8:30am - 6pm
Friday 8:30am - 6pm

Telephone

+61278014839

Website

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