For principals, licensees, operations & compliance leaders
AI infrastructure for advice practices under pressure.
Turn the advice file from a bottleneck into a managed workflow. Eight connected tools — built inside a working Australian practice — that cut advice-production time, lift capacity and strengthen compliance evidence, with a human approving every output.
Why this matters now
The economics of advice are under strain.
28k → 15.5k
Australian financial advisers have almost halved since 2019 — from ~28,000 to under 15,500.
1 in 10
Only about one in ten Australians now receive professional financial advice.
+67%
Median ongoing advice fees are up about 67% over five years — Adviser Ratings attributes it to a mix of inflation, higher practice costs, adviser supply constraints, and the growing time to meet compliance and documentation obligations.
Fewer advisers, unmet demand, and a rising cost to serve each client. Practices can’t hire their way out — they need capacity, process leverage and compliance-safe automation. That is the gap this suite is built to close.
Sources: Adviser Ratings, 2025 Landscape · Rainmaker.
The management case
Four reasons it stacks up for management.
Capacity
More advice with the team you have
Advisers and support staff spend less time on manual document work — fact-finds, drafting, file notes, forms — and more on clients and judgement.
Consistency
Repeatable files, less key-person risk
The same workflow runs on every matter, so files vary far less between staff and the house view is applied the same way each time.
Compliance
Evidence built in, not bolted on
Every AI output is human-approved, with audit trails, PII controls and clearer file evidence. Compliance becomes a by-product of the workflow, not a clean-up job.
Economics
Scale without simply adding headcount
More clients served per adviser and per support hour — changing the unit economics of advice, not just the workload.
The advice workflow
One workflow, end to end.
Eight tools mapped to the six stages of an advice file — each strong on its own, stronger connected, with Client-Base.ai holding the whole file.
01
Client intake
Capture the enquiry, the risk profile and the full fact-find — before the first meeting.
02
Research & house view
A current, evidence-linked house view across 700+ companies and ETFs feeds every file.
03
Advice preparation
A compliant Statement of Advice drafted in about an hour, ready for adviser review.
04
Compliance record
A spoken meeting becomes an audit-ready file note, checked against ASIC, the Corps Act, APRA and the licensee manual.
05
CRM / client file
The hub — CRM plus portfolio monitoring — that everything feeds into and out of.
06
Implementation & follow-up
Workflows routed to the right people; provider forms pre-filled and sent for e-signing.
One suite
Each tool stands alone. Together they run the whole file.
A client comes through the front door. By the time you sit down with them the work has started — and it keeps moving, tool to tool, with Client-Base.ai holding the whole file.
Front door
scotty.com.au
Establishes credibility; the client requests a meeting.
Intake · 1
Risk-Profile.ai
Begin the engagement — no financial detail required yet.
Intake · 2
Fact-Find.ai
Collect the full picture, before or during the meeting.
Intake · 3
File-Note.ai
Verbal note → transcribe → AI sort → compliance filter (ASIC · Corps Act · APRA · Shaw) → flag & clarify.
The hub
Client-Base.ai
CRM + portfolio monitoring. Everything feeds in and out — and Share-Advice.ai feeds in views on 700+ companies & ETFs.
Advice
Advice-Writer.ai
20 AI agents produce a compliant SoA in ~1 hour (PII stripped).
Execution
Next-Task.ai + Pre-Fill.ai
Onboarding tasks are delegated; forms are pre-filled and sent to the client to e-sign.
Proof
What each tool actually produces.
Advice-Writer.ai
A drafted, compliant Statement of Advice — in about an hour, ready to review.
File-Note.ai
An audit-ready file note with compliance gaps flagged and resolved.
Risk-Profile.ai
A defensible, capacity-aware risk profile, tied to the answers that produced it.
Advice production
Days of paraplanning per SoA
A reviewable SoA draft in ~1 hour
File consistency
Varies with whoever did it
One repeatable workflow, every time
Compliance evidence
Reconstructed at review time
Audit trail captured as you work
Admin load
Manual forms, chasing signatures
Pre-filled, routed and e-signed
Capacity
Capped by headcount
More clients per adviser
The pilot
Start with one workflow. Measure the result.
No big-bang rollout. Pick the workflow with the most drag — usually advice preparation or file notes — run it for a defined period, and measure four things.
Time saved
Hours per file, before vs after.
Compliance quality
Fewer gaps and cleaner evidence at review.
Staff adoption
Whether the team actually uses it.
Client experience
A faster, smoother onboarding.
Compliance & security
Built compliance-first, with a human in the loop.
Human-approved
Every AI output is reviewed and signed off by an adviser before it is used or sent to a client.
Audit trails
Each file carries a record of what was produced, checked, changed and approved.
PII controls
Personal information is stripped before any external lookup; access is role-based and encrypted.
Australian-first
Built around Australian advice obligations — the dates, documents and evidence you are judged on.
Australian data & obligations
Data residency
Client records are stored and hosted in Australia — Microsoft Azure, Sydney (Australia East) — encrypted in transit and at rest.
Privacy Act & APPs
Designed around the Privacy Act 1988 and the Australian Privacy Principles for collecting, handling and disclosing personal and sensitive financial information.
Advice record-keeping
Audit trails and retention controls aligned to the seven-year advice record-keeping obligation under the Corporations Act.
AI processing
AI steps run on established enterprise providers under terms that prohibit training on your data; where processing occurs outside Australia the data sent is minimised and personal identifiers stripped where the workflow allows.
Hosting and encryption details reflect the suite’s current build; this is not legal advice — confirm specifics with your licensee and privacy obligations.
Questions management asks
Is our client data safe?
Client records are stored in Australia (Microsoft Azure, Sydney), with role-based access and field-level encryption. PII is stripped before any external or web step, and your data isn’t used to train AI models.
Where is our data stored — does it leave Australia?
Your client records are hosted and stored in Australia (Azure, Sydney). AI processing runs under enterprise terms that prohibit training on your data; where any processing occurs outside Australia, the data sent is minimised and personal identifiers stripped where the workflow allows.
Does AI replace adviser judgement?
No. Every output is a draft for a human to review, edit and approve. The adviser stays in the reviewer’s seat on advice, file notes and anything sent to a client.
How does compliance approval work?
Outputs are checked against the rules — ASIC, the Corps Act, APRA and your licensee manual — gaps are flagged for the adviser to resolve, and the sign-off is recorded in the audit trail.
Can we adopt the tools one at a time?
Yes. Each tool earns its place on its own. Start with one workflow, prove it, then connect the next — Client-Base.ai ties them together as you go.
How does it fit our current process?
The tools map to the stages you already run — intake, advice, compliance, CRM, implementation — so you’re formalising your process, not replacing it.
What does a pilot look like?
One workflow, a defined period, and clear measures: time saved, compliance quality, staff adoption and client experience. Then you decide.
Why trust it
Built inside a working Australian practice.
Juggler wasn’t designed in a software lab. It’s the operating layer Scott Ayres built to run his own Australian advice practice — which is exactly why it understands the operational pain management actually carries: the compliance load, the document grind, the capacity ceiling.
Powered by AI, but disciplined by human review and Australian compliance practice. The tools are in daily use, not on a roadmap.
Next step
Map your advice process with us.
A 30-minute working session: we walk your current advice file end to end, find where the time and risk sit, and show where the workflow would take the load off.
Or email scotty@scotty.com.au directly.