Product 1 · AI Client Portal
B2B SaaS for advice networks.
- $12.99 per client per month.
- FY2030 target: 35 advice firms, 138,600 end users — 8.3% of advised-client base.
- $17.5M FY2030 revenue · recurring SaaS · live FY2026.
Information memorandum companion · May 2026
TIFIN.AI Australia is the exclusive Australian licensee of a production-deployed agentic AI platform for wealth — built to serve the 2.6 million Australians who actively want financial advice and cannot access it.
Series A · Tranche 1 · A$9M at A$25M pre-money
Wholesale clients only · Corporations Act s708/s761G
The opportunity
Australia has one of the most underserved financial advice markets among advanced economies. The Royal Commission removed ~47% of licensed advisers. The cost of comprehensive advice ran past A$4,700 a year. The result: a 5:1 mismatch between what advice costs to deliver and what consumers will pay for it.
We are not competing for the A$7.8B that incumbents already serve. We are unlocking the A$1.2–2.3B of unmet demand that no one is serving — at a price the traditional model cannot match.
Source · Deloitte Australia · ABS · ASIC Adviser Register · TIFIN.AI Australia analysis
Why now
DBFO reforms expand the scope of advice that can be delivered without a full SOA. ASIC is actively engaging on AI-mediated advice through its Innovation Hub.
Agentic AI has matured from demo to production. TIFIN.AI is deployed across 10+ US enterprise wealth clients with five years of live engineering.
Cost-of-living pressure is pushing Australians to ask harder questions about super, tax and retirement — at the moment the traditional model can least afford to serve them.
Product
Product 1 · AI Client Portal
Product 2 · Scaled Advice + Enterprise
The platform underneath
TIFIN.AI is not a research project. The platform is deployed across 10+ US enterprise wealth clients and is backed by J.P. Morgan, Morningstar, Franklin Templeton, Hamilton Lane, Broadridge, SEI and Motive Partners.
Magnifi · Consumer-facing
Sage · Adviser-facing
Backed by
What makes this different
Trained on five years of live financial-advice workflow.
Agentic, not generative
Multi-step, tool-using agents reason over actual client holdings — then run trade analysis, diagnostics and drafting end-to-end.
Conversational, not transactional
Reads linked portfolio context in real time and runs full ‘what-if’ analysis on any trade — returns, risk, P/E, sector mix.
Portfolio intelligence
Live health score covering concentration, diversification, hidden overlap and macro sensitivity — the problems retail investors don’t see.
Compliance-aware by design
Firm-aligned, CIO-constrained outputs with full audit trail and governance — the prerequisite for licensed Australian deployment.
Why the economics work
Traditional advice
$4,700 p.a.
≈110 clients per adviser
Constrained by labour. Built for the 5%.
TIFIN.AI scaled advice
$800–$900 p.a.
≈800 clients per adviser
Mature SaaS economics. Built for the 95%.
Capacity comes from AI-mediated workflow — not from cutting service quality.
Financial plan · Base case
| Metric | FY2026 | FY2027 | FY2028 | FY2029 | FY2030 |
|---|---|---|---|---|---|
| Total revenue (A$M) | 0.4 | 2.7 | 10.6 | 25.6 | 33.9 |
| EBITDA (A$M) | (3.8) | (6.9) | (1.1) | 14.2 | 23.7 |
| EBITDA margin | — | −253% | −10% | 56% | 70% |
| Closing cash (A$M) | 0.8 | 2.0 | 2.2 | 15.2 | 36.9 |
Tranche 1 of $9.0M raised now; Tranche 2 sized and offered separately at the relevant time. From FY2029 the business is designed to be self-funding. Plan reaches 70% EBITDA margin — the profile of a mature SaaS platform.
The offer · Tranche 1 · Wholesale clients only
A 56% discount to the Company’s conservative DCF base case of A$56.8M.
A$9M
Tranche 1 size
A$25M
Pre-money valuation
≈26.5%
Tranche 1 dilution
A$500k
Minimum subscription
Security: Series A preference shares · 1.0× non-participating liquidation preference · standard institutional terms. Tranche 2 is a separate future capital event; Tranche 1 investors hold pari passu pre-emption rights.
≈ 17–18 months of runway from Completion to the Tranche 2 milestone gate.
The team
Executive Chairman
Founding CEO of PEXA (2010–19) and former MD & CEO of Iress. Led PEXA's regulatory and corporate-affairs strategy through ARNECC, COAG and state-government engagement.
Chief Technology Officer
30+ years delivering large technology programmes across banking, government and infrastructure — including PEXA’s national e-conveyancing platform.
Chief Product Officer
Private Wealth Manager at Commonwealth Private (7 yrs) + Chief Data Officer and GenAI programme lead at Iress. Bridges product, data, advice and adviser workflow.
TIFIN.AI Founder & Exec Chair
Founded TIFIN in 2018. Architect of the 2026 consolidation into TIFIN.AI. Strategic relationships with J.P. Morgan, Morningstar, Franklin Templeton, SEI.
GM, Administration
20+ years supporting C-suite leaders in Australian financial services and fintech, including PEXA and Certane. Operations and governance backbone of the Australian build.
Exit pathways & liquidity
01
Cross-jurisdictional liquidity
Pari passu participation with all TIFIN Group shareholders, at the same arm’s-length valuation methodology. Structural, not aspirational.
02
Australian listed market
If FY2030 EBITDA supports a standalone listing. Relevant if TIFIN Group IPO timing extends past the Series A holding period.
03
Trade sale at premium
Plausible acquirer set: CBA, NAB, Westpac, AMP, HUB24, Netwealth, Iress, large industry super funds pursuing direct member advice.
Each pathway is conditional on circumstances outside the Company's full control. None is committed.
Next steps · Tranche 1
Production technology. An operating team that has done this before. A deliberately conservative plan.
Contact
Tifin.ai Australia Pty Ltd
Series A enquiries
Wholesale clients only — Corporations Act s708/s761G. Companion to the Information Memorandum (Draft v0.9) and Business Plan v13.