Otivo

Otivo provides licensed, personalised financial advice designed to help Australians make confident decisions about their money. Using secure technology and regulated advice frameworks, Otivo helps you understand your superannuation, plan for retirement, review your investments, explore contribution strategies, assess insurance inside super, and improve debt repayment outcomes.

How it works You answer simple questions about your situation. Otivo analyses your information using licensed financial advice rules and regulatory requirements. You receive personalised advice based on your inputs, aligned with Australian financial services law.

What you can do in the app • Review and optimise your super investments • Explore salary sacrifice and contribution strategies • Assess retirement readiness • Review insurance inside super • Explore debt repayment scenarios • Ask financial questions using Ask Otivo

Your advice is based on the information you provide and is delivered under Australian Financial Services Licence 485665.

Security and privacy Your data is encrypted in transit and at rest. Otivo uses bank-grade security protocols and complies with Australian privacy regulations.

Important information Advice is personal and based on your circumstances. Outcomes are not guaranteed. Investment values can rise and fall. Please read all disclosures before acting on advice.