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Otivo is fully branded under your super funds—MLC, Plum, ANZ Smart Choice—in each fund's visual identity. A 'Contact my adviser' link keeps the human connection central; to members, it feels like their fund looking out for them. The engagement plan delivers the right message at the right moment, using signals you already hold: age, balance, contribution status, and life stage. This approach has proven effective, reaching about one in five members without a separate campaign.
A single, low-friction path from first prompt to actioned advice — drawn from how members engage in a live deployment.
— 01
A contextual nudge — SG rate change, EOFY, an age milestone, or a detected investment-option mismatch — surfaces in email, the portal or on the website.
Outcome: Member clicks through into the branded Otivo experience, already in their fund's world.
— 02
The member asks a real question in plain English — 'Am I in the right investment option?' — and Ask Otivo responds using their balance, age and situation.
Outcome: Confusion replaced with a clear, specific answer; the member is engaged in seconds, not put on hold.
— 03
Otivo walks the member through a licensed advice journey, pre-populated with their data so there is little to re-enter.
Outcome: Personalised, compliant advice — e.g. a recommended investment switch or a salary-sacrifice amount.
— 04
The member acts in-flow, or taps 'Contact my adviser' to continue with a human who already has full context.
Outcome: Real action, not just a page view — in a live deployment, 89% of members who received advice acted on it.
— 05
As the member's life changes — a pay rise, a new goal, a rate change — the plan updates and the next relevant prompt surfaces.
Outcome: An ongoing relationship that keeps the member engaged, and the fund's relationship reinforced year after year.
The experience runs end-to-end in MLC's brand — logo, colours, typography and domain (for example, advice.mlc.com.au) — with Statements of Advice clearly labelled with the relevant AFSL details. To the member it is MLC; Otivo is the engine beneath.
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