Capital Raising
OPEN
Otivo
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INDUSTRY
Financial Services
RAISING
$2M
PRE-MONEY VALUATION
$13M
MINIMUM INVESTMENT
A$50,000
Investment Highlights
Transaction Overview
Company Overview
Products & Services
Team
Transaction Summary
Otivo
Raising: $2M
Pre-Money Valuation: $13M
Minimum Investment US$50,000
Investment Highlights
Solving Australia's $100B Advice Gap: Traditional financial advice costs $4,668 annually and serves less than 10% of Australians. Otivo delivers comprehensive AI-powered financial planning at $119 annually, with proven enterprise partnerships including Colonial First State, Suncorp, and EY.
Dual Revenue Model - B2C + B2B Enterprise: Direct consumer platform generating recurring revenue at scale, plus high-margin "Financial Advice as a Service" licensing to financial institutions, superannuation funds, insurance companies, and banks seeking to democratise advice for their customers.
Regulated and Proven Technology: AFSL-licensed platform with proprietary AI agents delivering compliant, comprehensive financial advice. Launching hybrid advice model (January 2026) combining technology with human advisers to capture premium market segment at $990 annually.
Massive Market Opportunity: Targeting 3-5 million Australians by 2028 in a market where 14+ million people lack access to affordable financial advice, with a clear path to profitability through scalable technology and enterprise partnerships.
Transaction Overview
Terms of offer:
Ordinary shares in Otivo Pty Ltd at $2.65 per share, representing a pre-money valuation of $13 million. Currently 4,905,506 shares on issue.
Share Structure
- Investors investing less than $250,000: Shares will be held via a nominee entity
(all shareholders receive the same rights, this enables Otivo to stay under the 50 shareholder threshold for a pty ltd company. - Investors investing $250,000 or more: Option to hold shares directly or via the nominee entity.
USE OF FUNDS
Ongoing Platform Development | Marketing | Administration |
|---|---|---|
50%
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| 30%
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| 20%
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Company Overview
The Problem: Australia's Financial Advice Crisis
Only 10% of Australians can access financial advice due to prohibitive costs averaging $4,668 annually. This leaves 14+ million people making critical financial decisions without professional guidance — from superannuation optimisation to retirement planning, insurance protection, and wealth building strategies. The advice gap costs Australians billions in missed opportunities and suboptimal financial outcomes.
The Otivo Solution: AI-Powered Comprehensive Financial Advice
Otivo democratises access to professional financial advice through proprietary AI technology delivered under our Australian Financial Services License (AFSL). Our platform provides:
- Comprehensive Financial Planning: Superannuation, retirement projections, insurance analysis, budget optimisation, investment strategies, and goal tracking
- Regulatory Compliance: Fully licensed and compliant AI-powered advice delivery
- Continuous Monitoring: Ongoing plan updates and recommendations as circumstances change
- Affordable Access: $165 annually makes professional advice accessible to all Australians
Dual Revenue Model: B2C Platform + B2B Enterprise
Consumer Platform (B2C): Direct-to-consumer digital advice platform generating recurring annual revenue with high margins and scalable unit economics.
Enterprise "Financial Advice as a Service" (B2B): White-label technology licensing to financial institutions, superannuation funds, insurance companies, and banks seeking to provide advice to their customers. Major clients include:
- Colonial First State (Australia's largest retail super platform)
- Suncorp (major insurance and banking group)
- EY (Big 4 professional services)
Strategic Expansion: Hybrid Advice Model
Launching January 2026, our hybrid model combines AI automation with human financial advisers to capture the premium advice segment. Pricing at $990 annually still represents 70%+ cost savings versus traditional advice while delivering superior service through technology-enabled efficiency. This positions Otivo across the full advice spectrum from mass-market digital ($165) to premium hybrid ($990).
Use of Capital
This raise will accelerate Otivo's growth across three key areas:
- Platform Development (50%): Enhancing AI capabilities, building enterprise integration tools, and developing hybrid advice infrastructure
- Marketing (30%): Consumer acquisition campaigns and enterprise sales development
- Administration (20%): Team expansion and operational infrastructure
Market Opportunity and Vision
With 3-5 million Australians targeted by 2028, Otivo is positioned to capture a meaningful share of Australia's underserved advice market. Our technology-first approach, proven enterprise partnerships, and expanding product suite create multiple paths to value creation.
Previous Funding
Recent raise July 2023 to August 2024 at $6.40 per share and raised $3.8M
This limited investment is at a discount to the last raise to enable Otivo to increase sales and distribution of the platform.
Products & Services
Digital Financial Advice Platform (B2C)
- Comprehensive AI-powered financial planning
- Annual subscription: $119
- Covers superannuation optimisation, retirement planning, insurance analysis, budget coaching, investment strategy, and goal tracking
- Licensed under AFSL for regulatory compliance
- Continuous plan monitoring and updates
Hybrid Advice Service (Launching January 2026)
- Combines AI technology with human financial advisers
- Annual pricing: $990
- Premium service for clients seeking personal adviser relationships
- Technology-enabled efficiency delivering 70%+ cost savings vs traditional advice
- Full comprehensive planning with ongoing support
Financial Advice as a Service (B2B Enterprise)
- White-label technology platform for financial institutions
- Embeds Otivo's AI-powered advice into partner organisations
- Target clients: superannuation funds, insurance companies, banks, financial advice firms
- Enables partners to deliver affordable advice to their customer base
- Current enterprise clients include Colonial First State, Suncorp, and EY
Specialised Tools and Applications
- Home buying calculators for first-time buyers
- Superannuation contribution optimisation
- Household budget tools
- Insurance comparison services
- Retirement confidence modeling
Team
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MANAGEMENT
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