How Otivo makes money

When it comes to financial advice, knowing how someone gets paid tells you almost everything you need to know about whose side they’re on.

We think you deserve a clear answer, not the fine print. So here’s the full picture of how Otivo earns its keep, where every dollar comes from, and why our setup means the advice you get is genuinely about you.

How does Otivo charge for financial advice?

You pay a subscription fee, and in return you get licensed, personal financial advice built around your goals. Pretty straightforward.

If you’d like a bit more hands-on guidance, we’ve also got financial advisers you can book a video call with. They’ll talk you through your goals and map out the next steps together. It’s a higher fee than the standard subscription, but you’re getting one-on-one time with a real adviser, handy when life gets a bit more complicated or you just want someone to walk you through it.

Does Otivo earn referral fees?

We work with a handful of trusted partners such as mortgage brokers and insurance brokers for things we don’t do ourselves. If you choose to use one of them, we might receive a referral fee, but only if you decide to go ahead. And here’s the important bit. Those arrangements never shape the advice we give you. Your best interests come first, every time.

How do Otivo’s employer and super fund partnerships work?

Some employers and super funds offer Otivo as a benefit to their teams or members, a nice perk for the people who work there or have their retirement savings invested with them.

Occasionally these organisations pay us for extra features or integrations that make Otivo work better for their people. What they can’t do is pay us to promote a product or sway the advice you get. That’s a line we don’t cross.

Why does this matter for you?

Because we earn from subscriptions and partnerships instead of product sales, we’ve got no reason to nudge you toward one product over another. The advice you get is shaped by your situation and your goals, nothing else. That’s the whole point.