Our Advice Standard

Advice that holds up in real life

Avallis Financial measures advice by one test: whether it remains relevant when markets change.

Avallis maintains no financial or commercial links with product providers that could influence recommendations. It is a structural decision, made at the founding of the firm, that allows our advisers to offer the full breadth of solutions available in the market.

Independence over incentives.

Placing your interests at the centre of every recommendation.

The Standard

  • Reality first

    Decisions anchored to cashflow, obligations, and constraints

  • Risk acknowledged

    Downside matters, resilience matters

  • Evidence over persuasion

    Recommendations are customised even when circumstances appear similar 

  • Clear accountability

    Decisions documented, revisited, and improved

  • Discretion

    Confidentiality and client dignity are not negotiable

  • Empowerment

    Informed clients make better decisions

We help fulfil financial aspirations through advice that holds up in real life.

Conflicts & Remuneration

  • Avallis addresses conflicts with openness and clarity. Where frictions or differences arise, they are resolved through transparent communication and documented process.

    Remuneration structures and potential conflicts are disclosed as part of responsible practice.

  • Avallis Financial operates in accordance with the Fair Dealing Guidelines established by the Monetary Authority of Singapore (MAS). These guidelines are embedded in how we operate, not treated as an afterthought. They are reflected in five outcomes that govern our conduct:

    • Clients can be confident that fair dealing is central to our corporate culture.

    • Products and services offered are suitable for their intended client segments.

    • Clients are served by competent, qualified representatives.

    • Clients receive clear, relevant, and timely information that accurately represents the products and services being discussed.

    • Complaints are handled independently, effectively, and promptly.

    For details on remuneration structures, product provider relationships, and how Avallis manages potential conflicts of interest, please speak with your adviser or contact us directly.

MAS Guidelines of Fair-Dealing
MAS Basic Financial Planning Guide