Scale up to mass market digital engagement and advice

OnTrack is the cost effective digital platform that places your brand and strategy at the forefront of an integrated, compliant, and self-directed client journey - educate, engage and offer advice at scale

What is the right investment option and insurance for Sarah?

Personalise Sarah's plan and engagement using OnTrack

Goal Score
Sarah McDoogle
Sarah is 33 with 2 kids and wants to retire at 65.
She would like to know more about her super but is unsure how to go about it

Support Retention

Cost-effective, real-time client engagement

Scale your Business

Migrate service delivery from one to many

Stay Compliant

Automate your offerings into compliant plans

Engage clients conveniently and at scale

Take engagement from one to many with a fully customisable & self-guided planning tool that clients can easily access on any device, any time, anywhere

1

Capture clients’ goals

Learn about your clients goals and where they see themselves in the future

2

Self directed member profiling

Combines goals, motivators, financials and attitudes to risk. Derived from academic research, presented in plain English

3

Stochastically simulate future outcomes

OnTrack’s calculation engine performs over 5 billion calculations, giving an holistic view of possible futures

4

Empower clients with your knowledge base

Bring all your knowledge together in one place to support your client engagement

5

Capability matchmaking and plan generation

Use your own model portfolios and projection assumptions Auditable and compliance oriented

Engage your clients with The Digital Planner

Self-directed engagement, education and intra-fund advice leading to pathways for financial planning

Digital Planner for your Clients

Efficiently gather information to create a client profile with either a mobile or desktop experience. The self-directed fact find is Goals based and linked to a best-in-class stochastic calculation engine. The Digital Planner allows for modular engagement, actionable strategies with personalised dashboards and reports.

Adding goals are simple and intuitive

Set personalised goals with natural language goal engine from ten goal types

Education and advice channels

Self-directed engagement and education with pathways available to full advice channels

Your differentiated strategy

Efficiently integrate existing education modules

Client fact find and profiling

Linked to understanding personality types

Combines personal details, goals, motivators, financial profile and attitudes to uncertainty and risk

Derived from academic research, presented in plain English

Meaningful client engagement

Engage using relatable everyday issues. Select from a range modules to fit your own engagement approach

- Investment choice
- Insurance
- Savings plans
- Assets & liabilities
- Lifestyle choice
- Health

Stochastic calculation engine produces best practice projections

Best in class Calculation Engine Probability-based analysis addresses likelihood of goal success

Applies real world financial market behaviour in analysis

On Track supports you in explaining financial projections to clients

Apply your assumptions with portfolio and projection data

Clients can keep track of their goals

Clients can access their journey at any time, from any device to check their progress and make adjustments

Control your strategy and assumptions

Customise the engagement and advice strategy to meet your needs

The Advisor Portal

OnTrack's matchmaking engine provides recommendations and insights tailored to each individual clients situation automating 90% of the routine tasks.

Easily view and manage client data

Client responses from The Digital Planner are passed directly through to the Advisor Portal for easy client management

Personalise your marketing plan based on client type

Email campaigns can be automatically configured to link to triggers such as success points or based on client responses

Automated Client Reporting

From basic client feedback to a fully automated Statement of Advice
and build your own templates

You control the compliance process

Compliance is a priority

OnTrack gives you control of your compliance and audit requirements

Use your expected return assumptions

Combine income and capital assumptions for long term expected returns

Map your own model portfolios

Link appropriate portfolio time frames to goals - or use OnTrack's distance to liability engine to calculate automatically

Put your brand at the forefront with theme editor

Customise to fit your needs

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Efficiently integrate existing education modules

Use your model portfolios and projection assumptions

Personalised email and push campaigns

Theme editor to meet your brand requirements

OnTrack's matching engine - distance to liability

Define a Goal

How much money is needed by when?

A client wants to save $5,000 in 3 Years

They invest $1,000 now and can invest $100 per month

Today's liability value is $5,000 and assets are $4,600

Calculate Asset Value

Use starting value and a regular contribution to investment

Expected returns and the impact of actual returns

Today's expected return on Bonds is 1% and Equities is 7%

Matching engine allocates 38% in Bonds and 62% in Equities

Manage the Gap

Continuous determination of best portfolio • achieve goals

If tomorrow, equity returns are 10% higher

Matching engine reallocate to 70% in Bonds and 30% in Equities

Distance to liability matching allocates to lower risk portfolio achieve same outcome

Built to integrate into your infrastructure

Built with modular architecture approach

Designed for cloud hosting and modern technology practices

Integration into existing interfaces

Meet your own internal compliance and brand requirements (subject to your back end technology and capability readiness)

Integration using RESTful APIs through AWS API Gateway

Industry best practices without legacy issues

Developed over six years with changing regulatory and industry standards in mind

Academic partnerships used to develop a solution focused on current best practices

Protect client data

Fully encrypted, API call management used to protect client data

Product can be hosted within your own environment and subject to the protections already in place

Ontrack's Digital Planner at a glance

ENGAGEMENT
Control:
Your brand and your strategy
Personalised engagement:
Email campaigns
Push notifications
Integrate education modules
Gain deep client insights:
Goals preferences, risk appetite, activity and demographics
ADVICE
Advice channels:
Self-directed engagement and education with pathways available to full advice channels
Client fact find and profiling:
Goals
Personal and household details
Financial profile
Motivators
Attitudes to uncertainty and risk
Match client profile to strategy:
Use your advice model
Use your model portfolios and projection assumptions
Auditable for compliance
TECHNOLOGY
Modular architecture approach:
Six years in development
Accommodate changing industry standards and client demand
Designed for cloud hosting and modern technology practices
Integration into your interface:
Meet your compliance and brand requirements (subject to your back end technology and capabilities)
Integration into back end process management function using RESTful APIs through AWS API Gateway
Secure client data:
Fully encrypted API call management used to protect data
Can be hosted within your own environment and subject to the protections already in place
“OnTrack has saved us 90% of the time taken to produce intra-fund advice. We have been able to cut our costs AND the price to our clients”

George Haramis

CEO, Fiduciary Financial Services

Scale your
growth potential

Build on the insights you gain from clients and advisers

Cost-effective, real-time client engagement and feedback for your business

Migrate service delivery from one-to-one to one-to-many

Mass market, cost effective and focused on supporting industry best practices

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Match strategies and product recommendations to client profiles

On Track's matchmaking engine provides advisors with recommendations tailored to each individual clients situation automating 90% of the routine tasks allowing them to focus of the 10% that makes a real differenceand managing 4x the number of clients.

Client Profile

Input client data

Customer Goals
Financial Fact Find
Family Situation
Family Situation

Matchmaking Engine

Generate scenarios

OnTracks simulation and product matchmaking engine uses stochastic modelling with over 150m calculations to match your product to your clients needs

Financial Plan

Output recomendations

Recommended strategies
Product suggestions
Plan scoring
Compliant report