Otivo

Intrafund advice at scale

Happy super
members for life

Drive lifelong member loyalty and fund growth with Australia's leading compliant digital advice platform.

Trusted by leading financial services

the business case

Engagement drives your bottom line

Otivo leverages a decade of institutional experience to drive member engagement, improve retention, grow total funds under management, and reduce cost to serve and advice risk.

Engagement builds member loyalty

Members who receive meaningful advice are far less likely to switch funds or withdraw their balance, driving stronger long-term retention.

Lower cost to serve

Scale intrafund advice across your entire membership without increasing headcount, easing pressure on call centres while extending reach.

Actionable insights with lower risk

Identify insurance gaps and contribution shortfalls across your membership using a consistent, audited, regulator-ready advice framework.

Proven results

95%**

Seek super advice

92%*

Advice satisfaction

83%*

Ease of use

66%*

More likely to stay

"The advice was easy to understand. No complaints, very happy."

Member testimonial

"A game changer for the industry."

Sue Viskovic, Elixir Consulting

*Based on user data of Otivo users.

**Results based on a member survey conducted by one of Otivo's super fund clients.

Support every life stage

Deliver consistent, compliant advice and financial guidance that keeps members engaged, protects FUM, and supports better decisions as needs change.

18-29 years

Early career

Support early engagement when habits have the greatest long-term impact.

  • Guide members into growth-focused investment options
  • Enable small, tax-effective super contributions
  • Reduce high-interest debt earlier in life
  • Provide appropriate income protection and TPD cover
30-44 years

Family build

Help members manage competing priorities while staying engaged with their fund.

  • Drive higher super contributions over time
  • Reassess investment settings as needs change
  • Support structured debt reduction strategies
  • Align insurance cover with family responsibilities
45-54 years

Peak earning

Enable catch-up strategies during peak income years.

  • Identify and use unused concessional caps
  • Optimise investment settings as retirement nears
  • Accelerate mortgage reduction strategies
  • Reduce unnecessary insurance premiums
55-64 years

Retirement ready

Provide clarity and confidence as members approach retirement.

  • Model retirement income and drawdown options
  • Optimise investment mix and contribution strategy
  • Support tax-effective use of personal savings
  • Guide Age Pension eligibility considerations
  • Wind down insurance and finalise debt

A hybrid model that scales

Otivo supports members wherever they're most comfortable, delivering advice experiences that scale without friction.

Self directed digital advice

Financial planning that's always available, easy to use, and designed for members who want to take control of their future.

One-on-one adviser support

For complex life moments, members can easily connect with licensed advisers for personalised guidance.

Shared view for internal teams

Phone-based and face-to-face teams see exactly what members see, enabling seamless conversations and better outcomes.

Intrafund financial advice

Advice solutions that deliver results

Otivo enables super funds to deliver scalable, self-directed intrafund advice and financial guidance through a seamless, secure member experience.

Seamless member experience

  • Secure single sign-on via SSO and API
  • Instant advice and modelling
  • Clear Statements of Advice (SoA)
  • Smooth escalation to licensed advisers
  • Learning Hub and education built in

Proven member behaviour change

  • 75% increase contributions, typically adding an extra $9,000 per year
  • 80% optimise their investment options
  • 40% increase life insurance premiums by approximately $350 per year
  • 85% increase Total and Permanent Disability (TPD) premiums by approximately $520 per year
  • 70% increase Income Protection premiums by approximately $410 per year

Scalable intrafund advice modules

  • Retirement planning — Interactive modelling for confident long-term decisions
  • Budgeting and cash flow — Scenario-based life planning that drives action
  • Ask Otivo AI — Compliant, regulator-safe advice chat with seamless adviser escalation
Regulation ready

Built for trustees. Ready for regulators.

Otivo is designed to remove governance friction and compliance burden, ensuring you stay ahead of legislative shifts.

  • Fully compliant with DBFO legislation
  • Aligned with the Quality of Advice Review (QAR)
  • Ready for section 99FA direct fee payment
  • ASIC and APRA compliant
  • Advice modules vetted by KPMG for compliance accuracy
  • 10 years of compliant, licensed advice delivery

Australian security by design

  • ISO 27001 certified

    Institutional-grade information security management systems.

  • Bank-grade controls

    Advanced encryption and technology trusted by major funds.

  • Onshore data

    All member data stored securely within Australia, compliant with local laws.

Ready to energise your members for life?

Join Australia's leading super funds in helping members feel confident about their future, while protecting FUM and driving better outcomes.