Insurance & Financial Planning · AFSL Tracked · CPD Monitored · From $97/mo

The AI Business OS for Australian Insurance Brokers & Financial Planners.

150+ AI agents handle AFSL compliance tracking, advice fee billing, CPD monitoring, clawback management, and BAS — so you advise clients on protecting their wealth while protecting your practice.

Built for the insurance broker and financial planner who knows their practice needs the same risk management discipline they provide to every client.

What XIntelliSync covers for Insurance & Financial Planning operators

Australian insurance and broking businesses operate under ASIC’s Australian Financial Services Licence (AFSL) regime via the Corporations Act 2001 Chapter 7, with General Insurance Code of Practice 2020 obligations, ASIC RG 78 and RG 175 financial services guidance, APRA prudential standards for insurers, AUSTRAC AML / CTF obligations on designated services, and Privacy Act sensitive-information rules on customer health, claims, and underwriting data. They face standard BAS, GST, super, STP Phase 2, and PI insurance requirements.

What Insurance & Financial Planning operators get on day one

Every item below is included in your flat monthly subscription. No add-ons.

ASIC adviser registration and AFSL compliance obligations tracked — alert 60 days before each deadline
40-hour CPD requirement monitored per adviser — annual progress tracked in real time
Finance Industry Award payroll — employed adviser, paraplanner, and admin classifications correct
Input-taxed GST treatment pre-configured — advice fees, insurance commissions, reduced ITC applied correctly
Advice fee billing automated — SOA completion triggers invoice, ongoing service fees on schedule
Live in under 10 minutes — insurance and financial planning configuration from day one

Your price

From $97/month

From $48.50 first month — no setup fee

Insurance & Financial Planning compliance. Built in — not bolted on.

AI agents track every deadline. You get an alert before it becomes a fine.

Regulatory bodies tracked

ASIC — Australian Financial Services Licence (AFSL)

Licence obligations, responsible manager requirements, breach reporting, product disclosure obligations

Financial Adviser Standards and Ethics Authority (FASEA) / Treasury

Adviser ethics exam, CPD obligations, code of ethics compliance

Fair Work Commission — Finance Industry Award 2020

Classification levels for employed advisers, admin, and support staff

ATO — GST input-taxed financial services

Input-taxed treatment of insurance and financial planning services, reduced input tax credits

Deadlines tracked automatically
CPD obligations: 40 hours annually per registered financial adviser
AFSL annual compliance program obligations: ongoing, alerted quarterly
ASIC financial adviser registration: annually
BAS quarterly: 28 Oct / 28 Jan / 28 Apr / 28 Jul
Superannuation 12%: 28th after each quarter end
STP Phase 2 finalisation: 14 July

The agents built for Insurance & Financial Planning

Run 24/7. No prompting. No babysitting.

Starter $97

Automated Tax Deadline Alerts

AFSL, CPD, adviser registration — every obligation tracked.

Monitors ASIC adviser registration renewals, 40-hour CPD obligation progress per adviser, AFSL annual compliance program milestones, and ATO deadlines. Alerts practice principal 60 days before each obligation.

ASIC registration lapse means immediate prohibition on providing financial advice. XIntelliSync prevents it.

Starter $97

Automated Invoice Generation

SOA completed. Fee invoice generated. Same day.

Generates advice fee invoices on Statement of Advice completion, ongoing service fee billing dates, and commission disclosure milestones. Includes fee disclosure statement reference.

Practices with automated fee billing collect advice fees 18 days faster on average.

Growth $297

Automated Payroll Processing

Finance Industry Award payroll for employed advisers and staff.

Processes payroll for employed advisers, paraplanners, and admin staff under the Finance Industry Award 2020 — including classification levels, overtime, and PAYG withholding.

Eliminates classification errors for multi-staff advisory practices.

Starter $97

Automated BAS Preparation

Input-taxed financial services GST — handled correctly.

Applies input-taxed treatment to financial planning and insurance services — no GST charged, reduced input tax credits on acquisitions. Prepares quarterly BAS with correct financial services treatment.

Most financial services practices overclaim input tax credits. XIntelliSync applies the correct reduced credit rate automatically.

The shift Insurance & Financial Planning operators make when they switch.

Before XIntelliSync
✕CPD hours for 6 advisers are tracked in 6 different personal spreadsheets.
✕AFSL compliance obligations are managed by whoever last updated the compliance calendar.
✕Advice fee invoices go out when the paraplanner has time between SOA drafting.
✕GST on advice fees is input-taxed — but the BAS is probably overclaiming input credits.
✕ASIC adviser registration renewal is tracked in a personal calendar reminder.
After XIntelliSync
CPD hours tracked per adviser. 40-hour requirement progress visible in real time.
AFSL compliance program obligations monitored automatically. Alert 60 days before each milestone.
Advice fee invoice generated on SOA completion. Ongoing fees on schedule. Automatic.
Input-taxed GST applied correctly. Reduced ITC rate applied. BAS prepared correctly.
ASIC registration tracked per adviser. Alert 60 days out. Zero lapse risk.

ASIC registration lapse prohibits you from providing advice. From that day.

A lapsed ASIC financial adviser registration is an immediate prohibition on providing personal advice. For a practice with 6 advisers at different registration anniversary dates, tracking manually creates systematic compliance risk. XIntelliSync tracks every adviser's registration date.

40 CPD hours per year is non-negotiable. Tracking them per adviser is a part-time job.

Financial advisers must complete 40 CPD hours annually across the 5 defined topic areas. Tracking individual completion across 6 advisers manually means someone is always behind and no one knows until it's urgent. XIntelliSync tracks completion per adviser in real time.

Input-taxed financial services is the most mishandled GST category in professional services.

Financial planning and insurance services are input-taxed — no GST is charged on fees, and only a reduced 75% input tax credit rate applies to acquisitions. Most practices overclaim credits. The ATO knows. XIntelliSync applies the correct reduced rate automatically.

Clawback provisions make commission income uniquely complex to manage.

Insurance commissions are subject to clawback provisions if a policy lapses in the first 1–2 years. Tracking commission income, clawback risk, and net receivable across a book of business requires real-time monitoring — not a year-end reconciliation.

One price. Everything included.

No setup fees. No per-agent charges. No per-employee add-ons.

Starter

$97/mo

First month $48.50

50 AI agents included

Most Popular

Growth

$297/mo

First month $148.50

100 AI agents included

Enterprise

$497/mo

First month $248.50

150 AI agents included

Common questions from Insurance & Financial Planning operators

Does XIntelliSync track AFSL compliance obligations for financial planners?
Yes. XIntelliSync tracks ASIC AFSL annual compliance program milestones, responsible manager obligations, breach reporting schedules, and adviser registration renewal dates — alerting the practice principal 60 days before each obligation.
Does XIntelliSync track the 40-hour CPD requirement for financial advisers?
Yes. XIntelliSync monitors CPD hour completion per adviser against the 40-hour annual requirement — including tracking across the 5 defined topic areas. Progress is visible in real time.
How does XIntelliSync handle GST for insurance brokers and financial planners?
XIntelliSync applies input-taxed treatment to financial planning and insurance services — no GST on fees charged, reduced 75% input tax credit rate on acquisitions. BAS is prepared with the correct financial services treatment pre-configured.
Does XIntelliSync handle advice fee billing for financial planning practices?
Yes. XIntelliSync generates advice fee invoices on Statement of Advice completion, ongoing service agreement billing dates, and commission disclosure milestones. Fee Disclosure Statement references are included.
Does XIntelliSync handle insurance commission clawback tracking?
Yes. XIntelliSync tracks commission income, clawback risk periods, and net receivable across your insurance book — flagging policies in the clawback window and updating your net commission position as policies lapse or are retained.
Does XIntelliSync handle Finance Industry Award payroll?
Yes. XIntelliSync processes payroll under the Finance Industry Award 2020 for employed advisers, paraplanners, and admin staff — including classification levels, overtime thresholds, and PAYG withholding.
Is XIntelliSync suitable for sole-practitioner advisers and licensee groups?
Yes. Starter ($97/month) suits sole practitioners. Growth ($297/month) suits multi-adviser practices. Enterprise ($497/month) suits licensee groups with multiple ARs.
What does XIntelliSync cost for insurance and financial planning practices?
Starter: $97/month (50 agents, first month $48.50). Growth: $297/month (100 agents, first month $148.50). Enterprise: $497/month (150+ agents, first month $248.50). No per-adviser fees.

Related pages

Compliance regimes for Insurance & Financial Planning

The Learn Centre pillars covering the regulatory regimes most relevant to Insurance & Financial Planning businesses. Each pillar tells you upfront what XIntelliSync prepares vs what stays your obligation.

Privacy Act / APP / NDBEssential 8 Cyber MitigationsDirector ID / ASIC ComplianceAll 8 clusters in the Learn Centre

Your Insurance & Financial Planning OS. Live in under 10 minutes.

No setup fee. First month 50% off. AFSL tracking, CPD monitoring, and advice fee billing configured for your practice in under 10 minutes.

The Trust Stack

34 compliance frameworks. Your data passes through every framework your industry is audited by.

Every AI action runs through 356 XGVS gates — BAS, STP Phase 2, GST, Payday Super, Privacy Act, Fair Work with 121 awards, Essential 8, and more. One gate fails, the action halts and tells you why.

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