Colonial First State

Financial advice for everyone

CFS has selected Otivo to give you access to easy-to-use financial advice that's all about making life simpler and helping you be better off.
Collective

Get more from your super investments

A few simple changes can go a long way. On average, people who use Otivo can grow their retirement savings by $138,6451.

Jimmy

32 years old

IT Consultant

"I'd never changed my super before, but Otivo helped me pick the right option for my age."

Zoe

44 years old

Marketing manager

David

53 years old

Operations manager

Boost your super from your salary

Thanks to super's low tax rate, adding from your salary could make a big difference. People who follow Otivo's contribution advice increase their retirement savings by an average of $180,3561.

Without Advice
Your super might stay at
$800,7892
With Advice
Your super could grow to
$1,122,1143

Salary Sacrifice

$5,000

Boost your super with savings

Adding some of your savings into super can lead to a bigger retirement balance as well a few handy tax benefits along the way.

Without Advice
Your super might stay at
$800,7892
With Advice
Your super could grow to
$817,8924

Contribution

$5,000

Insurance advice to protect what matters most

We help you find the right level of insurance cover inside your super — so you're not under or over insured.

Death cover

Provides your loved ones with a lump sum or income stream if you're diagnosed with a terminal illness or pass away — giving them financial support when it's needed most.

Salary continuance cover

Keeps money coming in if you can't work due to illness or injury — typically around 75% of your salary — so you can focus on recovery, not bills.

Total and permanent disability (TPD) cover

Gives you a financial safety net if you're permanently unable to work — helping cover medical, rehabilitation, and everyday living costs.

Ready to be better off?

Whether you're looking to grow your super, sort out insurance, or just feel more in control of your money, Otivo is here to help. No jargon, no pressure — just advice that works for you.

Backed by advisers, built for everyone

Compliance is at the core of everything Otivo does. That's why every piece of advice is carefully checked by our experienced financial advisers to make sure it's easy to understand, fully compliant, and always in your best interest.

Philippa Billings

Chief Advice Officer

  • ✔ Responsible Manager
  • ✔ ASIC Financial Adviser Register ID: 1267470
  • ✔ Qualified Tax Relevant Provider
Paul Feeney

CEO + Founder

  • ✔ Responsible Manager
  • ✔ ASIC Financial Adviser Register ID: 1267471
  • ✔ Qualified Tax Relevant Provider
Trusted by thousands of Australians
  • "Otivo is right up my alley, I've been looking for something like this for a while."

    "Having this platform will help me get started being more financially savy"

    David
  • "I was blown away by how smoothly everything just worked!"

    "It has been a genuine pleasure working with you and your help has been outstanding."

    Callum
  • "Otivo opened my eyes to the different super investment options and helped me pick one that suited my needs."
    Jess
  • "Otivo has provided my husband and I with a more useful snapshot of our current financial position."

    "Using this information, we have been able to make sound financial decisions, which in turn has helped us steadily increase our wealth."

    Rosie
  • "I contacted CFS regarding my investments and was extremely happy with the service."

    "It was easy to deal with, explained well, and I achieved what I wanted."

    CFS member
  • "We have utilised Otivo's suggestions to boost our retirement funds through voluntary contributions."
    Rosie
  • "Wow 14 seconds for an SOA! Really!"
    Anonymous
  • "It looks like it’s all in plain English, not in legalese... it’s very personalised, very easy to read."
    CFS member
  • "How good is this ? It’s so quick and easy!"
    Anonymous
  • "Good on the Otivo team for bringing this together."

    "Having this app is such a good idea and I'm excited to track my financial wellbeing."

    Carol
  • "The advice has been a lot of help for me."
    CFS member

CFS members get access

Eligible CFS members can access all of Otivo's exclusive features — normally $88 a year — with no fee for the first 12 months.

CFS members
Super investment advice
24/7 access to Otivo's Learning Hub
Life plan and wealth health checker
Super contributions from savings
Super contributions from salary
Personal insurance advice
12-month unlimited access to Otivo

1 The figures shown reflect the average uplift in net wealth until age 65 observed across the Otivo user base when recommendations are followed based on user-provided data and projected outcomes assuming the recommended strategies are implemented through to completion. For investment uplift, Otivo compares the projected performance of a user's current investment option against the recommended option. For salary sacrifice uplift, Otivo compares outcomes based on making no additional contributions versus following the recommended ongoing contributions.

2 Based on a 30-year-old earning $90,000 per year (not indexed), with an initial superannuation balance of $45,000, receiving ongoing statutory employer contributions until age 65. Investment returns are assumed to grow at 4% per annum, net of inflation and after tax, fees and insurance.

3 Based on a 30-year-old earning $90,000 per year, with an initial superannuation balance of $45,000, receiving ongoing statutory employer contributions plus the additional annual salary sacrifice contribution selected via the slider, continuing until age 65. Investment returns are assumed to grow at 4% per annum, net of inflation and after tax, fees and insurance.

4 Based on a 30-year-old earning $90,000 per year, with an initial superannuation balance of $45,000, receiving ongoing statutory employer contributions until age 65, along with a one-off additional concessional contribution selected via the slider. Investment returns are assumed to grow at 4% per annum, net of inflation and after allowing for tax, fees and insurance.

General disclaimer
The modelling on this page is general information and doesn't consider your personal objectives, financial situation, or needs. It should not be relied on as the sole basis for financial decisions.

Avanteos Investments Limited (AIL) (ABN 20 096 259 979, Australian Financial Services Licence (AFSL) 245531) has selected Otivo Pty Ltd (Otivo) (ABN 47 602 457 732 AFSL 485665) to provide members of FirstChoice Employer Super, FirstChoice Wholesale Personal Super or FirstChoice Wholesale Pension with access to web-based digital advice on selected topics. This advice is provided under Otivo's AFSL and not by AIL. Otivo is not part of the CFS group of companies.

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