Your Free Guide to What Australia's Three Best-Known AI Advice Platforms Cover, Charge, and Won't Touch
Know which decisions are reasonable to hand to an AI tool, which still need a person, and how to check any platfom before you rely on it.
- What all three actually cost, including the fees that sit on top of the headline price.
- The work none of them will take on, and why all three say so themselves.
- The 8 point checklist to run before you rely on one.
AI and the Future of Financial Advice in Australia
What AI advice platforms actually do, how they're regulated, and what investors should check before relying on one
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Listings as at August 2026. Free for investors to browse and compare.
5 Things You'll Know by the End of It
What each platform covers, and what it charges
Otivo, Stockspot and moneyGPS side by side: the licence holder, the AI's real role, current pricing, and the advice each one excludes.
What “AI advice” actually means
Four different technologies share the phrase, from deterministic rules engines to a language model sitting over one. The difference decides what a tool can safely answer.
Where the law puts the liability
ASIC's Regulatory Guide 255, the best-interests duty, and why the licensee carries strict liability for whatever the model says.
What to hand over, and what to keep
The work reasonable to delegate to an AI tool, and the decisions that still warrant a human accountable under an AFSL. SMSFs, trusts and estates sit firmly on one side of that line.
An 8-point checklist to run before you rely on one
The AFSL check, personal versus general advice, human sign-off, scope, fees, conflicts, portfolio mechanics and AFCA membership.
Every figure is traced back to ASIC, Adviser Ratings, or the product's own disclosure, and the sources used are listed on the last page.
Behind The Guide
InvestmentMarkets is an investment comparison marketplace. We do not provide personal financial advice and we do not run an AI advice tool, so none of the three products reviewed in the guide competes with us. We did not receive payment from any of the participants.
The guide names what each platform covers, what it excludes, what it costs, and what to check for yourself before using one of them.
Read It, Then Decide for Yourself
Nineteen pages, every figure sourced, and nothing to sell you at the end of it.
General information only. The guide and this page are general financial product information and do not take into account your objectives, financial situation or needs. Consider whether the information is appropriate for you and read the relevant Product Disclosure Statement before making any investment decision. For advice on your own situation, speak to a licensed financial adviser.
AI and the Future of Financial Advice in Australia
What AI advice platforms actually do, how they're regulated, and what investors should check before relying on one