Australia’s financial planning sector is facing a deep structural shortage. Since 2019, the number of registered financial advisers has dropped by more than 40%, and forecasts from the Financial Advice Association of Australia (FAAA) suggest another 1,000 professionals may exit by 2026.

This shortage stems from rising compliance costs, an aging adviser base, and outdated digital infrastructure that limits adviser efficiency. For everyday Australians, the result is severe: professional advice is now unaffordable or inaccessible for the majority.

Meanwhile, Australians are dealing with increasingly complex superannuation and taxation frameworks. Many rely on outdated or fragmented tools to manage super contributions, retirement projections, and insurance coverage — often facing:

• Inconsistent advice from multiple institutions
• Complex SOC 1/SOC 2 audit requirements for advisers and funds
• Inefficient client onboarding processes
• Poor mobile accessibility for younger and mobile clients (e.g., renters, students, freelancers)

The industry’s digital gap has made it difficult for super funds and planning firms to scale personalized advice delivery, leaving an open market for technology-led solutions that bridge the compliance–automation divide.

AI-Augmented Advice: The Hybrid Adviser Engine

Polaris proposes the development of a Hybrid Adviser Engine — a generative AI–driven web and mobile platform that delivers instant, compliant, and personalized financial advice, supervised by human planners.

The system integrates real-time regulatory awareness with client data modeling, bridging the gap between automated “robo-advice” and traditional human consultancy.

Core Capabilities:

• Regulatory Intelligence: Fine-tuned on ASIC and ATO frameworks, with dynamic updates as legislation changes. Built-in real-time compliance checks automatically flag advice that breaches disclosure or documentation standards (e.g., SOC 1/2, best interest duty).
• Personalized Financial Modeling: Predicts super growth, investment performance, and retirement readiness using live economic data and user inputs.
• Conversational Client Intake: AI chatbot or voice assistant gathers user data securely, integrates with Xero, SuperStream, and document storage APIs.
• Human-in-the-Loop Review: Complex or high-net-worth scenarios are escalated to licensed advisers for approval or personalization.
• White-Label & API-Ready: Built for rebranding by advisory firms or super funds, with options for API integration into existing CRMs and client portals.

Projected Benefits:

• Reduce advice delivery time by up to 70%
• Scale adviser capacity 10× without adding staff
• Reduce compliance admin costs by 30–50%
• Enable affordable advice for younger demographics

Partner With Polaris — Lead the AI Advice Revolution

Polaris invites super funds, financial planning firms, and fintech investors to collaborate on building Australia’s first Hybrid AI Advice Platform.

We’re offering a Venture Partnership Model, where you fund and brand the solution — and Polaris designs, develops, deploys, and manages it end-to-end.

Our Commitment:

• Rapid prototyping in 3 months, pilot-ready for 1,000 users
• End-to-end development: cloud infrastructure, data protection, compliance automation
• Continuous platform support and feature evolution under managed service terms
• Revenue-sharing or equity-based partnership models

Your Opportunity:

• Brand and operate the platform under your own name
• Retain client ownership and data rights
• Earn from recurring robo-advice and licensing fees
• Position your firm as Australia’s innovation leader in financial advice