Built by Guideway · not a licensed third-party stack

AdviceGuide AI. The operating system under the advice.

Our advice operating system for super funds and AFS licensees — planner CRM, modelling engine, member front door and compliance in one platform. Deploy a slice of it as a calculator or digital advice on your own site, or run your whole advice operation on it, general and personal. Not an AI assistant bolted onto legacy planning software — a platform where the AI actually performs the work.

Book a walkthrough The four layers

Four layers, one record

Layer 1Member front doorCalculators, virtual advisers, digital guidance.

Layer 2Agentic workflowsTasks, follow-ups and routing that keep files moving.

Layer 3Advice engineDeterministic calculations and strategy optimisation.

Layer 4Quality controlsCompliance and audit trail as the work happens.

Why it exists

Advice production is still manual, and that is what caps advice at scale.

The bottleneck was never adviser knowledge. It is the advice operating model around the adviser.

Disconnected entry points

Members use calculators, websites and call centres, but that context rarely reaches the advice.

Endless rekeying

The same facts entered again across notes, CRMs, fact-finds, calculators, SOAs and implementation forms.

Passive systems

Legacy CRMs sit and wait to be updated, and someone has to drive every next step by hand.

Chasing providers

Balances, insurance details, forms and transaction data are slow to get and easy to lose track of.

Compliance arrives late

Issues surface after the advice is prepared, which means rework and delay.

Leaked conversion

A member with a demonstrated need goes cold when nobody follows up quickly enough.

One platform that converts engagement into action, automates the work around advice, and keeps the evidence trail intact as it goes.

The stack

Four layers. The member enters at the top and the file leaves at the bottom.

It reads, reasons, updates, follows up, books, models, compares, checks and escalates — with human approval wherever judgement matters. Instead of the adviser servicing the CRM, the CRM services the adviser.

Member front door

Calculators, virtual advisers and digital guidance — captured with consent, so what the member actually did flows into the advice.

Agentic workflows

Autonomous tasks, provider follow-ups and routing that keep files moving without anyone chasing.

Advice engine

Deterministic calculations and strategy optimisation — repeatable, auditable numbers.

Quality controls

Compliance, investment quality and a complete audit trail, applied as the work happens.

Agentic workflow

Enquiry through to implementation, coordinated end to end.

Most AI tools wait to be asked a question. These agents work out the next action, collect what they need and keep the file moving.

Engage→ Collect→ Validate→ Model→ Advise→ Approve→ Implement

External actionsOff the file, into the marketContact issuers, chase balances, confirm insurance, book meetings, follow up forms.

Internal actionsOn the file, without a keystrokeUpdate records, create tasks, brief advisers, generate checklists, prepare drafts.

Escalation rulesWhere a human decidesApproval gates for advice, material changes, implementation and exceptions.

Client intelligence layer

Everything that arrives becomes structured advice information.

It scans emails, documents, notes and provider correspondence; extracts the facts; updates the record; spots what is missing; triggers the follow-up; and escalates the decisions that need an adviser. The system does not just store documents — it understands what is in them and uses that to progress the advice.

Emails & attachments Statements & transactions Fact finds Meeting transcripts PDS & research Provider portals → Reads · reasons · writes

OutOpportunities surfacedUnused contribution caps, a pension that should have started, insurance quietly lapsing, a defined benefit election with a deadline on it.

OutMembers who need you nowRanked by demonstrated need and complexity, not by who happened to fill in a form this week.

OutRisks caught earlyInconsistencies, missing disclosures and gaps flagged while the file is still being built.

OutA member who repeats nothingThey told you once. Every conversation after that starts where the last one finished.

OutAdvisers who arrive preparedThe brief, the documents and the modelling are ready before the meeting starts.

OutAn audit trail that writes itselfEvery conclusion already linked to the statement, calculation, research or approval behind it.

Because the record is longitudinal, the platform sees what changed over time — and critical information stops hiding in the wrong email, document or system.

The numbers

AI for reasoning and orchestration. Controlled engines for the maths.

The deterministic engine produces repeatable projections, tax outcomes, Centrelink impacts and retirement modelling, then models the legitimate alternatives against the member’s actual goals. We do not ask AI to make up the numbers — every projection, contribution cap and tax position is calculated, not generated: fixed, versioned and reproducible.

Contribution strategies Pension timing Drawdown levels Investment allocation Centrelink outcomes Tax sequencing Insurance funding Estate implications

Quality controls

Checks run while the advice is being written.

Compliance applied as the work happens rather than after it, and the member kept in the picture the whole way through.

01Evidence supportEvery material conclusion links back to client statements, documents, calculations, research and approvals.

02Members kept in the loopProactive updates at each step — what has been collected, what is being modelled, what happens next. Nobody has to ring to find out where things are up to.

03Compliance controlsScope, objectives, alternatives, disclosures, warnings, inconsistencies and implementation risks, all checked continuously.

What it does

Six things the platform does that advice software normally cannot.

The AI works across the whole advice workflow, not in a side window.

01Outbound AI calling agentsThe system phones product issuers itself to collect balances, insurance details and fund data, then writes the result straight into the client record.

02Email scanning into the CRMInbound correspondence is read, matched to a client, and used to update fields and file notes. No re-keying, no missed disclosure.

03Instant statements of adviceThe SOA is a render of the record, not a document someone assembles. Compliant output in minutes, not days.

04AI strategy creationStrategies drafted from the client’s actual position and goals, with the adviser reviewing and signing off rather than starting from a blank template.

05One record, end to endCRM, modelling, advice document and review history are the same object. Nothing is exported, reconciled or kept in a spreadsheet.

06Deterministic where it countsEvery projection, contribution cap and tax position is calculated, not generated — fixed, versioned and reproducible.

Before you ask

Questions funds ask about advice technology.

Answered plainly, so you can work out whether this belongs in your advice operating model.

Question 01Why advice technology rather than more advisers?Because the constraint is production, not knowledge. Information collection, modelling, checking and document preparation are what consume adviser hours, and those are the parts the platform runs in parallel. More advisers on the old operating model buys capacity one adviser at a time. Changing what the adviser has to do by hand changes how many members each one can reach.

Question 02Can it deliver intra-fund advice?Yes. It can run as the engine behind general or personal advice, and behind your own planning and intra-fund teams, so the intra-fund conversation is prepared, modelled and evidenced by the same record the rest of the advice runs on.

Question 03Does the AI generate the numbers?No. AI is used for reasoning and orchestration; the maths runs on controlled engines. Every projection, contribution cap and tax position is calculated, not generated — fixed, versioned and reproducible. The deterministic engine produces repeatable projections, tax outcomes, Centrelink impacts and retirement modelling, then models the legitimate alternatives against the member’s actual goals.

Question 04How can a fund deploy it?As a calculator on your own website, as the engine behind general or personal advice, in front of the pin or behind it, behind your own planning and intra-fund teams, and as a way for general-advice BDMs and CRM staff to open the door to personal advice in the workplace.

Question 05What is digital advice?Financial advice a member receives through a digital channel — a calculator, a guided journey or a virtual adviser — rather than by sitting in front of a person. It runs from education and general advice through to personal advice, and the fund decides which of those it wants delivered digitally. A calculator that only returns a number is the shallow end of it; digital advice takes the member’s actual position, models it and tells them what it means for them. For AdviceGuide AI it is one deployment of the platform, not the whole of it — the same system runs the full advice operation.

Question 06When does compliance get applied?As the work happens rather than after it. Scope, objectives, alternatives, disclosures, warnings, inconsistencies and implementation risks are checked continuously, and every material conclusion links back to the client statements, documents, calculations, research and approvals behind it.

Question 07Where does a human approve the work?At the escalation points built into the workflow: approval gates for advice, material changes, implementation and exceptions. Strategies are drafted from the client’s actual position and goals, with the adviser reviewing and signing off rather than starting from a blank template.

Question 08How long does a statement of advice take?The statement of advice is a render of the record rather than a document someone assembles, which produces compliant output in minutes rather than days.

Question 09Did Guideway build the platform?Yes. AdviceGuide AI is ours. It is not a licensed third-party stack with our name on the login screen.

Next step

A walkthrough with your own member scenarios.

Thirty minutes on a call, then the platform run against the members you actually have — the front door, the workflows and the advice engine, with your numbers in it.

Email advice@guideway.com.au 1300 138 138