Features

Comprehensive features, designed from the ground up.

fp one covers the whole advice process, from the first fact-find to the next review.

Client file & CRM

One record per household, entered once and read by every screen, document and the portal.

  • Couples, trusts, companies and SMSFs on one file
  • Full profile, from family and work to estate
  • Detailed fact-find supporting the best interests duty
  • Goals and objectives
  • PERMA wellbeing questionnaire
  • Product preferences
  • Client story boards
  • Terms of Engagement, fee consents and direct debit forms, with automated custom document design

Engagement & compliance

Consents, checks and approvals recorded as they happen, and kept.

  • Due diligence checklist: ID, PEP and sanctions recorded
  • FSG, scope and authority to proceed recorded
  • Terms of engagement, fee and service records
  • Automated ongoing fee arrangements, with renewals tracked
  • Only an adviser can approve an SoA or RoA
  • Every advice document discloses AI assistance
  • Full compliance history logs, kept with the file
  • Regulatory calendar and licensee policy library
  • Target market determination per product, with updates via the council

Fact-find & client portal

Clients add their details, prepare for reviews and follow their plan in their own portal.

More on the client portal

  • Online fact-find, flagged for the adviser to verify
  • Review preparation pre-filled from the client record
  • Risk profile and wellbeing check-in answered online
  • Overview: cash, holdings, cover, returns and net wealth
  • Financial Health Check, budget and goals
  • Published modelling, strategies, advice documents and education guides
  • Encrypted uploads and shared documents
  • Secure client chat with the practice team on desktop, tablet and phone
  • Adviser preview shows exactly what the client sees
  • Portal activity alerts in the adviser's notification bell

Modelling & projections

Today's position and the recommended one, projected year by year under Australian tax and super rules.

More on cash flow modelling

  • Current versus recommended, year by year
  • Income tax, Medicare, offsets and CGT every year
  • Super contribution caps, carry-forward and bring-forward
  • Pensions, transition to retirement and transfer balance cap
  • Age Pension assets and income tests, with deeming
  • Trusts, companies and SMSFs with their own tax
  • Property, mortgages, offsets, gearing and debt recycling
  • Stamp duty and mortgage calculators built into modelling
  • Smart Budget: bank statements in, spending auto-categorised
  • Two-downturn market stress test
  • Monte Carlo simulation

Strategy & advice

An automated advice engine: every recommendation is modelled, and the modelling wires straight into the advice.

  • Every recommendation modelled by fp one on a best interests duty card
  • Compare alternative strategies side by side
  • Impact of advice: tax, interest and cover costs
  • Modelling wires straight into the advice, with nothing re-keyed
  • One card per decision, approved by the adviser
  • Each advice round kept as its own record
  • SoA or RoA chosen by clear, stated rules
  • Present mode: full-screen charts for client meetings
  • Calculators with printable client handouts
Our calculators
  • Home purchase
  • Income tax & HELP
  • Child Care Subsidy
  • Novated lease
  • Buy vs rent
  • Property vs shares
  • Sequencing risk

Insurance & investment research

Access to a database that keeps all platform, investment and insurance data up to date.

  • Compare platforms on cost and features
  • Investment option costs compared
  • Insurer feature comparison and OmniLife research report reader
  • CDM Solutions insurance datafeeds
  • Needs analysis auto-calculated to the practice house view
  • Hold, increase, reduce, cancel or replace each policy
  • Alternative insurer quotes kept beside the recommendation
  • Business risk needs: key person and guarantees
  • Rebalance to practice model portfolios
  • Product research auto-saved to the client record for compliance

Advice documents

The AI paraplanner builds Statements and Records of Advice from the record, so an SoA comes together fast.

More on AI paraplanning and SoAs

  • The AI paraplanner drafts the reasoning; fp one prints every figure
  • The adviser reviews, edits and approves every document
  • Digital, interactive Statements of Advice
  • Business SoAs and Records of Advice
  • Client chat Record of Advice
  • Visual smart executive summary
  • Education guides and PDS ready for advice documents
  • Financial Health Check with a wellbeing scorecard
  • Approved documents frozen, versioned and downloadable as PDF
  • Reopen, edit and re-issue, with a compliance record

Implementation & review

One intelligent flow from new client to review.

  • Implement advice: approved advice updates the client file
  • The next review starts from the implemented position
  • Workflow designer with steps, branches and checklists
  • Automatic new-client and annual review workflows
  • Kanban board and a personal my-work list
  • Dashboard: tasks, reviews due and consents due
  • Approved meeting actions become tasks
  • Scheduled SMS reminders and bulk SMS from templates
  • File notes with templates, attachments and filters
  • Emails to the practice mailbox filed to the client

Practice insights & revenue

See the book at a glance and reconcile revenue month by month.

  • Funds under advice by platform, super and non-super
  • Revenue by month, insurer and service package
  • Revenue reconciliation from provider statements and bank exports
  • Revenue report by month, year to date or range
  • Revenue per client across insurance, platform and fees
  • Capacity and hours per client
  • A financial-year selector drives every figure
  • Average hours per new client and per review

fp one council

The verified FP database, swept for changes; a person approves each figure change.

  • Approved product list: the only recommendable set
  • Fees and asset allocations per option
  • Product documents checked for changes
  • Platforms, investments and insurance swept for changes
  • Compliance changes and new product research tracked
  • Each change cites an issuer document or two sources
  • Every figure change checked, then approved by a person
  • Watches insurers your clients already hold
  • One click applies a change on every screen
  • Research agents never see a client file

AI assistants

Two assistants draft the writing; an adviser reviews and decides.

More on AI file notes

  • Meeting assistant drafts the file note for review
  • Upload Zoom and Teams recordings or any meeting audio
  • Paraplanning assistant drafts SoA and RoA reasoning
  • Every SoA figure comes from the modelling
  • Drafts only: an adviser approves and files
  • Consent recorded before any recording is uploaded
  • Names and identifiers masked before drafting
  • Recordings and working copies deleted after a set period

Security & data

Trusted security for the changing environment.

  • Trusted Microsoft infrastructure and data storage
  • Client portal and secure chat encrypted in transit and at rest
  • Client documents and chat photos encrypted
  • Multi-factor sign-in
  • Designed so client data is not used to train AI
  • Names and identifiers masked before AI drafting
  • AI on client work hosted in Australia; enterprise AI, not a consumer chatbot
  • AI drafts, advisers decide; AI does not contact clients
  • Council agents kept apart from client files
  • Security monitoring and long-term audit logs
  • Point-in-time restore and long-term backups
  • Platform and insurance datafeeds with account matching
  • Custom client database import

Marketing

Your practice website and content, drafted by the council and approved by you.

  • Website developer council agent
  • Content creation and website deployment
  • Education articles drafted for your clients
  • Every article checked for plain language and general-advice wording
  • You approve each article before it reaches your website
  • Published articles re-checked against current figures

Explore what fp one is capable of by getting in touch.

Join the waiting list, share your tech stack and why it's not working today.