Avallis Financial

What Avallis Financial does

Avallis Financial is a Singapore-based independent financial advisory firm founded in 1997 by Salim M Amin, Isaac Low, and Mervyn Goh, serving professionals, business owners, families, and corporate organisations in Singapore. The firm operates across five core capabilities: Financial Planning, Investments, Legacy and Estate Planning, Corporate Solutions, and Private Client Services. Its proprietary planning methodology, FIPA (Financial Planning Application), provides a structured, full-scope financial planning process developed in-house over decades, while investments are governed by the PAM (Portfolio Asset Management) framework using a core-satellite structure with approximately 80% strategic core and 20% tactical satellite allocation across global equities, fixed income, and regional mandates.

The firm's technology stack includes the Adviser Portal System (APS), an internal platform built over three generations that handles client portfolios, transactions, audit trails, and document management, and the Avallis Flexi-Benefit System (AFBS), a digital employee benefits administration platform. Avallis operates through two entities — Avallis Financial Pte Ltd for advisory services and Avallis Investments Pte Ltd for fund management, family office, and VCC management, with the latter holding a Capital Markets Services licence from the Monetary Authority of Singapore.

Avallis generates revenue through fee-based advisory services, with no financial or commercial links to product providers that would bias recommendations. The go-to-market is direct, with advisers serving as single points of contact across all capabilities, supported by a CIO Office that publishes investment commentary for adviser-client meetings. The firm is privately held with founding principals retaining control, and has maintained independent advisory positioning for nearly 30 years — a structural decision that simultaneously limits product revenue while creating a defensible regulatory and reputational position in the Singapore market.

Name

Avallis Financial

Legal name

Avallis Financial Pte Ltd

Website

https://avallis.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

51–100 employees

Short description

Avallis Financial is a Singapore-based independent financial advisory firm founded in 1997, serving mass affluent professionals, business owners, families, and corporate clients across financial planning, investments, legacy, and corporate solutions.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Fee-Only Advisory (FSAEAAAL)

Keywords

• Financial advisory services
• Investment management
• Estate planning services
• Corporate insurance brokerage
• Private wealth advisory

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Financial Advisory Fees: Avallis Financial operates as a fee-based independent financial advisory firm, providing advice on financial products and services to individuals and businesses. As an independent adviser with no financial or commercial links to product providers, revenue is generated through advisory fees charged for financial planning, investment advisory, legacy and estate planning, and corporate solutions services. The firm is committed to objective advice driven by fit and client reality, not sales targets.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Avallis Financial is an independent financial advisory firm in Singapore that delivers fee-based advice across financial planning, investment management, legacy and estate planning, corporate insurance and employee benefits, and private client services. The firm serves professionals, business owners, families, and organisations through its proprietary FIPA planning process, a core-satellite Portfolio Asset Management framework, and an adviser-as-single-point-of-contact model, with no financial or commercial links to product providers.

Product overview

Avallis Financial is an independent financial advisory firm in Singapore offering an integrated advisory platform. The core offering includes FIPA (Financial Planning Application) as the proprietary planning methodology and PAM (Portfolio Asset Management) for investment governance. Investment products span Global Portfolio Series (GPS), Asian Power Income (API), Flexi Income Portfolio (FIP), and Satellite portfolios. Additional services include Legacy & Estate Planning (LED), Corporate Solutions with the Avallis Flexi-Benefit System (AFBS), and Private Client Services. The firm also provides internal tools including the Adviser Portal System (APS) and CIO Office for adviser support.

Differentiator

Problem solved

Functional benefit

Brands

• Avallis Flexi-Benefit System (AFBS): A customisable employee benefits solution that gives employees greater flexibility in choosing benefits, with digital access, mobile claims submission, and 24/7 convenience.
• Avallis Advantage Programme
• Avallis Investments
• Financial Planning Application (FIPA)
• Adviser Portal System (APS)

Products and services

• Financial Planning (FIPA) Avallis' proprietary planning discipline, structured as a full-scope process designed to surface financial concerns, obligations, constraints, and goals. Produces a documented plan specific to each client's situation and supports ongoing review across the client lifecycle.
• Portfolio Asset Management (PAM) The discipline governing how Avallis constructs, reviews, and adjusts investment portfolios using a core-satellite structure with approximately 80% strategic core (global equities and fixed income) and 20% tactical satellite allocation.
• Global Portfolio Series (GPS) Growth-oriented portfolio with structured risk parameters across global equities and fixed income.
• Asian Power Income (API) Long-term capital appreciation mandate through strategic, diversified allocation in Asia.
• Flexi Income Portfolio (FIP) Flexible income generation portfolio with adaptable payout timing, amount, and frequency, designed for retirement planning, education funding, estate distribution, and long-term commitments.
• Satellite Portfolio Tactical and thematic exposure mandate including sector rotation, China equities, and precious metals, providing the 20% tactical allocation within the PAM framework.
• Corporate Solutions (General Insurance & Employee Benefits) Enterprise risk and employee benefits solutions for businesses and organisations in Singapore, covering general insurance brokerage and group life and health benefits, with objective and value-driven recommendations across insurers.
• Avallis Flexi-Benefit System (AFBS) Customisable employee benefits platform giving employees flexibility in choosing benefits that matter to them, with digital access, mobile claims submission, easier administration for employers, and better visibility and tracking for HR teams.
• Legacy & Estate Planning (LED) Dedicated capability covering wills and estate planning coordination, trust planning, estate equalisation, complex family situations, Muslim and non-Muslim considerations, and cross-border estate planning for families.
• Private Client Services Discreet private client support for clients with cross-border lives and assets, covering cross-border cover structuring, legacy planning across jurisdictions, and international private client estate coordination.
• Investment Advisory Services (IAS) Investment advisory services delivered through a secure client access portal, regulated under Avallis Investments Pte Ltd's Capital Markets Services licence from the Monetary Authority of Singapore.

Quantifiable outcome

• Backtested portfolio performance has consistently validated the investment framework, demonstrating robust risk-adjusted returns across varying market conditions.
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Scale indicators6 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Fisher Investments: Independent global investment adviser managing private wealth and institutional portfolios with a proprietary portfolio construction philosophy. Comparable on the independent (no product-selling) advisory stance and conviction-driven investment management DNA embedded in Avallis's PAM framework.
• St. James's Place: Large UK-listed wealth advisory network built on an independent adviser partnership model serving mass-affluent and HNW clients with financial planning and investment management. Comparable as a scaled, fee-based advisory franchise whose business model Avallis aspires to grow into.
• Great Eastern Life: Singapore-headquartered life insurer and wealth/financial advisory provider with a tied adviser force. Comparable on corporate insurance and group benefits offerings overlapping Avallis Corporate Solutions, but distributes through tied agents rather than independent advisers.
• DBS Wealth (DBS Private Bank and Treasures): Singapore's largest bank-affiliated wealth platform offering investment advisory, estate, and insurance solutions at scale. Comparable as the dominant incumbent competing for the same mass-affluent and HNW segments in Singapore, but operating with a tied/distributed model versus Avallis's independent model.

Others

• EY-Parthenon (Financial Services Advisory, Singapore): Global advisory firm offering M&A, wealth management, and insurance advisory in Singapore and ASEAN. Comparable as a Singapore-based advisory provider serving HNW/family-office and institutional clients that compete for shared corporate and private-client mandates.

Emerging players

• MoneyOwl: Singapore-based financial advisory and insurance broker combining digital tools with human advisers for mass-affluent planning. Comparable on Singapore FA focus but with a digital-led GTM that overlaps with Avallis's adviser-led model at the entry tier.

Direct peers

• Providend: Singapore-based independent, fee-only financial advisor providing retirement, investment, and estate planning to individuals and families. Direct comparable on independence, fee-only stance, and retail wealth advisory focus in Singapore.
• Finexis: Singapore independent financial advisory with strong legacy planning, estate, and HNW private client offerings — including Shariah-compliant planning. Comparable on Singapore private client focus, legacy/estate capability, and independent advisory positioning.
• IPP Financial Advisers: One of the largest independent financial advisory firms in Singapore serving mass-affluent and HNW clients with fee-based planning, investment, and estate services. Closely comparable on business model, Singapore focus, fee-only independent stance, and target client segments.
• Financial Alliance (FA Care): Singapore independent financial advisory firm offering wealth planning, investment, and insurance distribution to retail and corporate clients. Comparable as a Singapore-focused FA competing for the same pool of independent-advice-seeking mass-affluent customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/100048174625361
• LinkedInlinkedin.com/company/avallis-financial

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Avallis Financial