Otivo

Otivo is an Australian financial advice brand offering a licensed, AI-powered service to help people make informed decisions about their money. Operating under Australian Financial Services Licence (AFSL) 485665, Otivo combines technology with oversight from qualified Australian advisers to provide personalised recommendations based on each user’s circumstances, goals and finances. Its service aims to make professional advice more accessible, with a free starting option and digital plans available through a browser or app.

Otivo’s advice covers superannuation, investing, retirement, personal insurance and debt. Users can receive guidance on super investments and contributions, investment strategies and portfolios, retirement income and Age Pension considerations, insurance needs, debt reduction, savings and cash flow. The platform guides customers through a short questionnaire, provides a tailored financial plan, and tracks progress so recommendations can be reviewed as circumstances change. Customers who want human support can choose an Adviser plan with a one-off session with a qualified Australian adviser.