Industry · Financial advisors · ASIC & AFSL aware

AI that earns its place in your advice practice.
SoA drafting, fact-find analysis, meeting notes — fixed-scope and licensee-ready.

Australian advice firms can save real time with AI — SoA paragraph drafting, fact-find structuring, meeting capture with proper retention, technical product research. The time savings are measurable; the licensee scrutiny is real. We help you deploy AI specifically for advice workflows, with the ASIC/FASEA-aligned governance and licensee-ready evidence pack built in from day one.

Where AI is already working in advice practices

Specific use cases. Specific time savings. Specific governance.

Not "AI transformation". Specific tools applied to specific advice workflows — with the audit trail every AFSL holder needs to keep anyway.

01

SoA paragraph drafting — hours back per adviser per week

AI drafts the standard sections (client circumstances, scope, strategy rationale); adviser reviews and personalises. Built with logged prompts and source-citation discipline so the record-keeping side is solved, not avoided.

02

Fact-find structuring and meeting capture

Governed transcription of client meetings, structured fact-find capture, follow-up letter drafting. Consent obtained properly, retention rules configured, access restricted — the same workflow most practices are doing badly, done in a way the licensee will accept.

03

Technical research and product comparison

Claude for product PDS interpretation, ASIC ruling research, ATO position lookups. Built with a mandatory verification step — the adviser sees the source citations and verifies before relying. Keeps you on the right side of Best Interests Duty.

04

Practice management AI features — but properly configured

Xplan, IRESS, Midwinter and others are adding AI features whether you want them or not. The Bundle audits and configures every one of them against your licensee's expectations and ASIC's REP 798 themes — so the platform AI is helping you, not creating exposure.

Where it also needs governing

The same tools, used without discipline, create the conversation no AR wants with their licensee.

Real findings from real Sprints across Australian advice practices. The same AI tools doing productive work above are also doing this — in firms where nobody's built the discipline yet.

01

Advisers using ChatGPT to draft SoA paragraphs uncontrolled

Particularly the "client circumstances" and "scope of advice" sections. Often with the fact-find pasted in for context — including DOB, TFN, family-trust details, and beneficiary structures. Material going to consumer LLMs with no audit trail.

02

Practice management platforms adding AI features quietly

Xplan, IRESS, Midwinter, Adviser Logic, Capital Preferences and others are bolting AI summarisation, meeting-note generation, and "recommendation insights" into their products. Your client data may already be training vendor models — and you may have agreed to it in a terms-of-service update.

03

Meeting-recording tools transcribing client conversations

Fireflies, Otter, Read, Microsoft Teams' own AI features — capturing entire fact-find conversations. Consent often not properly obtained, retention rules not configured, and access not restricted. Every state's Privacy Act and the federal one both apply.

04

Licensees asking for AI policy evidence at compliance review

Several major licensees have added AI governance to their AR review templates. "We don't have anything documented" is no longer a survivable answer — practices have been put on conditions or asked to demonstrate remediation within 90 days.

Why we build it this way · regulator awareness

The obligations every advice Build is designed against.

Not generic "AI ethics" frameworks. The named, specific obligations that apply to your AFSL or AR authorisation — and that every advice AI Build we ship is designed to satisfy from day one.

ASIC · REP 798
ASIC's review of AFSL holder AI governance, published 2024 and reinforced in 2025–26 surveillance. Found 50% of licensees had no documented AI use policy and many were unaware of AI features inside their practice software. Licensees are now passing this exposure down to ARs in the form of AI policy requirements at AR review.
Privacy Act · ADM transparency
From 10 December 2026, organisations must disclose when automated decision-making significantly affects an individual. This applies directly to AI-influenced advice, AI-driven portfolio recommendations, and AI-screened lending referrals. Civil penalties apply. Most advice firms haven't yet considered how this affects their SoA disclosure or fact-find process.
Best Interests Duty (Corporations Act)
BID and the related obligations under Chapter 7 don't change because AI is involved. If AI was used to produce or influence advice, the adviser remains personally responsible for the advice being in the client's best interests — and for being able to evidence that. Most firms can't currently demonstrate AI-aware BID procedures.
FASEA Code of Ethics
Standard 5 (informed consent), Standard 6 (broad consideration), and Standard 9 (records and evidence) all engage when AI is in the advice process. Particularly Standard 9 — without AI-aware record-keeping you can't substantiate that you considered the client's circumstances rather than relying on a model's defaults.
PI insurer questionnaires
Most Australian PI insurers added AI governance questions to advice-firm renewals in 2025–26. "Do you have a documented AI use policy?" is now a yes/no question with material premium impact. We've seen renewals delayed or premiums increased where the answer is no.
Cross-border note

Offshore admin, US-hosted platforms, international clients?

Many advice firms run offshore administration through Manila, India, or Vietnam-based teams. Privacy Act cross-border transfer obligations apply when AI tools process Australian client data offshore. Many of the AI features in practice software route through US data centres regardless of where your firm is. The Bundle maps data flows for every AI tool in use — including the ones your offshore team uses on AU client data — and produces the evidence pack your licensee or PI insurer will ask for.

How we work with financial advisory firms

Two ways to engage. Same engineering discipline.

AI & Automation, sold standalone. Managed IT & Security if you want the full operating standard underneath it. Same team behind both, same engineering discipline you apply to your own clients.

01 · AI & AUTOMATION

AI & Automation

AFSL-licensee-ready AI: SoA drafting, fact-find analysis, meeting-note generation. REP 798-compliant governance, ADM transparency artefacts, PI-insurance-ready audit trail.

From $3,000 discovery · Full engagement priced on request
See AI & Automation
02 · MANAGED IT & SECURITY

Managed IT & Security

Full IT & security envelope for advisory firms — helpdesk, Microsoft 365 management, Essential Eight ML1, backup, Quarterly Business Reviews. ASIC supervisory expectations satisfied as standard.

From $1,850/mo (10 users × $185) · Plus onboarding (scope-dependent)
See Managed IT
The 2-week first step

Find out what AI is already happening
in your practice. Then decide what's next.

Two weeks. From $4,950 + GST. Discovery of every AI tool in your practice software, draft AFSL-aligned AUP, board-ready summary your licensee will accept. No MSP relationship required.

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