Next-gen licensed advice platform

Never turn away
another lead

Reach more clients with Australia's most advanced licensed advice platform.

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Market insight

85% Of emerging affluent Australians aged 18–45 use digital tools to manage their investments.

This shift reflects rising expectations for digital services that are fast, convenient, accessible and built for digital-first lives.

"With the cost of providing advice becoming more expensive, an increasing number of Australians have been unable to access personal financial advice. By partnering with Otivo, we're able to service these clients and their extended family members in an online format they feel comfortable with."

Pipeline opportunities

Say yes to every opportunity

Activate the next generation, at scale and without manual overhead

Unlock growth from your existing client base

Intergenerational expansion

Extend trusted relationships to children and grandchildren

Serve clients you turned away

Profitably support low-value or price-sensitive clients

Re-activate dormant relationships

Bring inactive or disengaged clients back with digital-first advice.

Increase adviser capacity

Scale from 100 to 200+ clients per adviser without extra overhead.

Create new growth channels with scalable advice

Legacy and insurance books

Unlock value from acquired or insurance-only clients without manual SOAs

Workplace wellbeing programs

Deliver advice at scale through employers and wellbeing partnerships

Super fund advice programs

Support large member bases with compliant, digital-first advice.

Professional referral networks

Absorb broker, accountant and partner referrals without capacity constraints.

Partner intelligence

Live insights

Monitor client progress and identify high-value opportunities in real-time with our enterprise partner portal.

Admin portal mockup showing dashboard UI with client insights and metrics

Expertise and compliance

Advice covered under our AFSL

We provide a comprehensive range of licensed advice topics, allowing your practice to offer full-service digital care across every financial pillar.

Investment options inside super

Matches age profile to fund performance, ensuring balances grow optimally.

Contributions from salary

Optimises take-home pay while boosting future wealth through tax-effective sacrifice.

Tax deductible contributions

Uses idle savings to reduce taxable income and build retirement robustness.

Debt advice

Prioritises high-interest debts and structures repayments to free up cash flow.

Budgeting and cash flow

Takes the guesswork out of spending with precise tracking and projections.

Wealth projections

Visualise financial trajectories across 10, 20, or 30-year horizons.

Personal insurance needs

Precise calculations for Life, TPD, and Income Protection.

Insurance outside super

Strategic mortgage and family cover for greater flexibility and control.

Retirement planning

Future income modelling to ensure freedom without lifestyle compromise.

Investing outside of super

Access diversified ETFs to build liquid wealth usable before age 60.

Ask Otivo

Instant, compliant answers via AI chat trained on Australian financial rules.

Learning Hub

Library of educational articles, video guides, and live webinars.

AI-powered simplicity backed by licensed advice

Clients are already turning to AI for answers. The real risk isn't AI — it's unlicensed, unregulated advice with no duty of care.

Otivo combines the speed and ease clients expect from AI with fully licensed Australian financial advice. Every recommendation is compliant, auditable, and delivered under our AFSL — keeping clients engaged, protected, and inside your practice. Unlike open AI tools, Otivo's advice is built specifically for Australian financial rules and regulatory expectations.

Governance

Rigorous licensing standards

We operate under our own Australian Financial Services Licence (AFSL) and Australian Credit Licence, assuming the compliance burden for all digital advice generated within the platform.

AFSL and Australian credit licence 485665

Governance

Audited. Trusted. Secure.

Trusted by leading Australian enterprises including Suncorp, Colonial First State, and Medibank. Audited by KPMG and Mills Oakley to ensure the highest standards of digital advice compliance and data security.

KPMG audited
ISO 27001 certified

Service agreement

Built for advice practices that want to grow

A comprehensive partnership model designed to integrate seamlessly with your existing brand and workflow.

Co-branded advice platform

Launch a custom portal (e.g. yourbrand.otivo.com). Statements of Advice are clearly labelled with AFSL details for total transparency.

'Contact my adviser' link

Keep the human connection central. A dedicated 'Contact my adviser' link is embedded in every client account, ensuring you are always the first point of call.

Client access to full platform

Comprehensive advice across all pillars: Super, Insurance, Cash Flow, Debt, and Retirement. Scalable care for every client tier.

Insights portal

Your control centre that provides access to clients accounts and insights into their needs enabling proactive engagement

Marketing and promo toolkit

Hit the ground running with pre-built launch sequences, educational resources, and quarterly platform updates to keep clients engaged.

Client education tools

Interactive webinars, deep-dive articles, and strategy guides. Empower your clients with knowledge while Otivo handles the advice mechanics.

Commercials

Simple, transparent pricing

Scale your practice with a predictable cost model that aligns with your growth.

$500/month

+ $100/year per active client

Exclusive of GST

Never turn away another lead