DBFO Tranche 2. AML/CTF Tranche 2. ASIC's 2026 agentic-AI priority. Three regulators reshaping advice at once. We set up the AI ops that handle the cadence.
Done-for-you regulation tracking, client comms automation, and intake admin AI for Australian financial advisers and self-licensed AFSLs. You keep doing the advice. Everything else runs without you, on the right side of ASIC's 2026 agentic-AI line.
5-day written report. Yours to keep whether or not you ever work with us.
Four pressures hitting Australian financial advice right now.
The regulator cadence is the densest in any AU professional vertical. AML/CTF Tranche 2 captures advisers as reporting entities from 1 July 2026. The DBFO Tranche 2 reforms introduce a "qualified adviser" class, redraw the best-interests duty, and reshape the SoA. ASIC has named "agentic AI" as a 2026 enforcement priority and is rewriting RG 175 and RG 244. The Australian AI Act is foreshadowed for the same year. You're trying to run a practice through five regulatory rebuilds at once.
The profession has thinned dramatically. Adviser numbers crashed from ~28,900 in 2018 to ~15,100 in 2025 — a 48% collapse. ~1,000 more advisers are expected to exit on 1 January 2026 when the FASEA education transition closes. Only 10.4% of Australians who say they need advice actually get it — every remaining adviser is, by definition, turning work away.
SoA-drafting AI is eating your highest-IP artefact. Tools like NucliOS are collapsing 6-15 hour Statement of Advice drafting work to ~30 minutes. 74% of AU advice practices use AI; only 39% have any compliant-use policy (Adviser Ratings 2025) — a wider gap than accountants face. The risk isn't that AI replaces advisers. It's that early-adopter peers position as "AI-augmented" first and capture the high-margin client work.
And the existing-client book is harder to keep than ever. Annual ongoing-service-fee renewal cycles, fact-find pre-qualification, file-note discipline, and FDS/CSA compliance all eat partner hours that could be advice. Communication delay is the same #1 underlying complaint pattern documented in accounting — FA complaint patterns mirror it.
We help small AU advice practices and self-licensed AFSLs run all of this with AI ops, without forcing the principal to become an AI expert overnight, hire staff they can't find, or take on a risk ASIC is about to test in 2026.
Sources: AUSTRAC AML Reform · ASIC RG 175/244 · Treasury DBFO Tranche 2 · Adviser Ratings State of AI in Advice 2025 · FAAA · IFA / Money Management / Professional Planner.
Three things, all about removing work, and keeping you on the right side of ASIC.
Every Allhart engagement reduces what your practice has to do, watch for, or chase. Each AI deliverable is human-reviewed and documented with a compliance trail. The kind of trail an ASIC review actually accepts.
Regulation monitoring + client-facing updates
AI watches the ASIC / AUSTRAC / Treasury feed and turns each material change (DBFO Tranche 2, AML/CTF, RG 244 amendments) into a plain-English client update. You review in 60 seconds. Your practice looks ahead of the regulator, without anyone reading another Treasury consultation paper.
Ongoing-service + renewal communications
AI-drafted FDS / CSA reminders, ongoing-service-fee renewal cadence, review-meeting prep summaries, and file-note discipline templates. Closes the comms-delay gap that drives both client churn and complaints, without partner time. Retains the book you already have.
Intake + fact-find automation
Pre-qualification forms that gate the "I think I want advice" enquiry properly. AI-assisted fact-find drafts that pre-fill from the data the client's already provided. Booking widgets that screen for the right adviser fit. Your team stops the unpaid pre-engagement work that eats every advice practice's week.
A $97 written AI Audit for your advice practice, delivered in 5 business days.
A focused written report that tells you, in plain English: where AI can save you hours this quarter, the three highest-impact opportunities for your specific practice, and what to confidently ignore. Built with ASIC's 2026 agentic-AI guidance in mind. No recommendations that would put your AFSL at risk.
- Your practice's AI-readiness vs the 2025 Adviser Ratings benchmarks
- The three highest-ROI AI applications for your specific advice model (insurance-led / investment-led / strategic / aged-care, etc)
- The compliance + regulator considerations for each (ASIC RG 175/244, AML/CTF T2, DBFO, AI Act)
- What to ignore: the AI pitches that don't apply to AFSLs
- A 60-day implementation order-of-operations, ranked by effort vs payoff
We're a young firm. Here's the honest version.
Allhart is operator-led, Brisbane-based, and built deliberately small. We don't have a 20-AFSL "as featured in" wall. What we do have is a 90-day guarantee that puts the risk on our side, fixed pricing so you know what you're paying, and zero offshoring. The person who scopes your work is the person who does it.
The "Better Than Before" Guarantee. If your AI ops setup doesn't measurably improve your practice's intake, ongoing-service comms, or regulatory handling within the first 90 days of going live, we keep working at no extra cost until it does, OR refund you in full. Your choice.
What advisers usually ask before they buy.
Won't AI replace what I do?
No. The threat isn't to advisers; it's to the SoA-drafting hours. Tools like NucliOS are collapsing the central revenue-bearing artefact from 6-15 hours to ~30 minutes. The early-adopter advisers will use that time for more clients, deeper advice, or to actually take a weekend. The advisers who don't adopt will lose the margin to those who do.
How does this stay on the right side of ASIC's agentic-AI position?
Every AI deliverable in our setups is human-reviewed and documented with a compliance trail. We don't deploy autonomous client-facing agents that act without your sign-off. ASIC's 2026 enforcement priority around agentic AI specifically targets unsupervised AI making advice-adjacent decisions. That's the line we keep deliberately on the right side of. The audit will spell out exactly where each AI use sits on that line.
Do you actually understand DBFO + AML/CTF Tranche 2 + RG 175/244?
Yes, well enough to keep your AI ops aligned with them. We don't draft your compliance program or your SoA template for you (that's your professional and AFSL judgment), but we DO automate the part where you stay aware of regulatory changes, communicate them to your client book proactively, and pre-fill the work that AI can legitimately pre-fill.
I'm already using Iress / AdviserLogic / XPLAN. Does this replace any of that?
No, we sit on top of your existing stack, not replace it. Allhart's AI ops integrate with your financial planning software via your existing data flows; we don't ask you to migrate or re-key. We focus on the layers Iress / AdviserLogic don't address well: regulatory monitoring, client-facing comms cadence, and front-desk intake.
Will the audit pressure me to buy something?
No. The $97 audit is a written report. You keep it whether or not you ever work with us. We disclose the conflict of interest up-front in the report itself: yes, we offer follow-on services; no, the report's recommendations are not gated on hiring us. If the highest-impact recommendation for your practice is "fix your XPLAN configuration first" or "you don't need more AI, you need a part-time client services associate", that's what we'll say.
What about the foreshadowed Australian AI Act?
The AU AI Act consultation is active and likely to land in 2026-2027 with risk-tiered obligations on AI systems used in regulated industries (finance is squarely in scope). Our setups are designed to be Act-ready: human-in-the-loop oversight, documented decision trails, no autonomous client-facing decision-making. When the Act lands, your existing setup won't need to be torn out, only documented.
Start with the audit. Decide everything else later.
$97. 5 business days. Written report. Yours to keep.
Get the $97 AI Audit
Built by Nathan in Brisbane. Operator-led, fixed-price, no offshoring, no agency hand-waving. I'll be the person you actually deal with, and the person who signs off on every line of AI we put into your practice.