Intelligent Robo Gen 2.0
A wealth
system that keeps thinking after you
invest.
Intelligent Robo turns your goals, risk profile, and constraints into
a continuously managed investment strategy—coordinated by
specialist agents and explained in plain language.
a continuously managed investment strategy—coordinated by
specialist agents and explained in plain language.
Design your first AI workflow
Explore capabilities
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Goal-based
Risk-aware
Explainable
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Built for investors who want institutional discipline without institutional complexity.
Goal-based
Every portfolio begins with an outcome.
Multi-agent
Specialists collaborate, not one black box.
Always monitored
Risk and progress stay visible.
Explainable
Every portfolio begins with an outcome.
ROBO, REIMAGINED
From financial intent to a
living investment plan.
Robo does more than recommend an allocation. It creates a decision framework, watches the
portfolio, and adapts when the investor or the market materially changes.
portfolio, and adapts when the investor or the market materially changes.
Understand the investor
Capture goals, time horizon, liquidity needs, experience, constraints, and real tolerance for loss.
Dynamic risk profile
Goal and timeline mapping
Investment policy constraints
Design the strategy
Translate the profile into an asset mix, risk budget, rebalancing policy, and goal path.
Personalised allocation
Base, upside, and downside scenarios
Entry, exit, and rebalance rules
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Monitor and evolve
Track drift, volatility, drawdown, goal probability, and changes that could justify action.
Prioritised alerts
Controlled rebalancing
Decision rationale and next steps
MULTI-AGENT INTELLIGENCE
One coordinated system. Six
specialist perspectives.
Instead of relying on a single opaque model, Robo assigns clear responsibilities to specialist agents
and evaluates their outputs through shared policy and risk controls.
and evaluates their outputs through shared policy and risk controls.
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Strategy Agent
Turns goals, risk capacity, and constraints
into an investment policy and decision
rules.
into an investment policy and decision
rules.
Strategy Agent
Assesses valuation, momentum, quality,
diversification, and cross-asset
relationships.
diversification, and cross-asset
relationships.
Strategy Agent
Assesses valuation, momentum, quality,
diversification, and cross-asset
relationships.
diversification, and cross-asset
relationships.
Strategy Agent
Checks implementation limits, costs, order
constraints, and required approvals.
constraints, and required approvals.
Strategy Agent
Detects meaningful drift and decides when
an action deserves attention.
an action deserves attention.
Strategy Agent
Converts technical reasoning into a concise
explanation of what changed and why.
explanation of what changed and why.
CONTROL LAYER
Human-in-the-loop
Sensitive actions can require investor or adviser approval.
Policy guardrails
Every recommendation must remain inside the investor mandate.
Audit trail
Inputs, recommendations, approvals, and actions stay traceable.
PORTFOLIO MONITORING
A portfolio is not
finished when it is
built.
Robo translates market and portfolio data into a small set of
signals that answer three questions: What changed? Does it
matter? Is action justified?
signals that answer three questions: What changed? Does it
matter? Is action justified?
01
Do you replace our existing software?
A concise view of risk, diversification, drift, liquidity, and goal alignment.
02
Volatility & Drawdown
Compares current behaviour with the investor's acceptable risk range.
03
Allocation Drift
Identifies where actual weights have moved away from target allocations.
04
Goal Progress
Tracks whether the investor remains on course under updated scenarios.
05
Smart Alerts
Prioritises meaningful changes instead of producing notification noise.
THE DECISION LOOP
Observe. Evaluate. Explain. Act.
Automation is useful only when every step is governed. Robo separates detection from decision and
decision from execution.
decision from execution.
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Observe
Detect market, portfolio, and investor changes that cross a meaningful threshold.
Evaluate
Test impact, cost, risk, and relevance against the investment policy.
Explain
Present the reason, expected effect, trade-offs, and confidence level.
Act
Execute automatically or request approval, depending on the control setting.
ONE CLEAR EXPERIENCE
Enough intelligence to
act. Enough clarity to
trust it.
Investors should not need to interpret a terminal. Robo turns complex portfolio operations into focused views, plain-language decisions, and visible next actions.
WHY INTELLIGENT ROBO
Professional discipline.
Human-centred design.
The strongest technology is not the one that shows the most complexity. It is the one that makes
better behaviour easier.
better behaviour easier.
Built around goals
Allocation and monitoring are linked to the outcome the investor actually cares about.
Multi-agent reasoning
Strategy, asset, risk, execution, and monitoring roles remain distinct and inspectable.
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Risk before return
Recommendations are tested against risk capacity, concentration, drawdown, and policy limits.
Explainable by design
Material recommendations show what changed, why it matters, and what happens next.
Adaptive, not reactive
Robo responds to meaningful changes rather than every movement in the market.
Flexible human control
Choose which actions are automated and which remain subject to approval.
ILLUSTRATIVE CASE STUDIES
How Robo reasons through
real investor situations.
The strongest technology is not the one that shows the most complexity. It is the one that makes
better behaviour easier.
better behaviour easier.
01
6–10 weeks
Turning a high-conviction portfolio into a
controlled strategy.
controlled strategy.
A growth investor holds a profitable portfolio, but 62% of total exposure is concentrated in one technology theme.
Signal
Concentration and cross-asset correlation rise above the agreed policy range.
Signal
Reduce exposure gradually, preserve tax awareness, and redirect risk toward diversified growth assets.
Signal
Lower drawdown sensitivity while maintaining the portfolio's intended growth profile.
Theme exposure
62% → 38%
Expected volatility
18.4% → 14.1%
Goal probability
74% → 81%
01
6–10 weeks
Reducing risk as a five-year education goal gets closer.
A family has a defined $40,000 target, monthly contributions, and limited tolerance for a major loss near the goal date.
Signal
The current static allocation does not reduce sequence risk as the target date approaches.
Signal
Create a glide path that shifts gradually from volatile assets toward bonds and cash.
Signal
Improve capital stability and make the remaining monthly funding gap visible.
Goal probability
68% → 82%
Target volatility
14% → 9%
Funding gap
$180 / month
SCENARIO ENGINE
See the consequence before making the decision.
Test how contributions, risk settings, market declines, or a changing timeline may affect the portfolio and the probability of reaching a goal.
Prioritised alerts
Action versus no-action comparison
Goal probability and funding-gap analysis
Clear trade-offs for each option
TRUST BY DESIGN
Governance is part of the
product architecture.
Access controls, policy limits, traceable decisions, and transparent data use should be designed into
the system—not added after launch.
the system—not added after launch.
Role-based access
Users and operational roles access only the information and actions relevant to their permissions.
Decision auditability
Recommendations, approvals, changes, and actions can be recorded in a traceable decision history.
Risk guardrails
Recommendations must remain within the investor's defined mandate and operational limits.
Data transparency
Investors can understand which data informs a signal and what each indicator means.
Final security, privacy, suitability, and regulatory controls must be implemented for the relevant market, licence structure, service providers, and legal framework.
A DIFFERENT OPERATING MODEL
Traditional robo-advice
versus Intelligent Robo Gen
2.0.
Access controls, policy limits, traceable decisions, and transparent data use should be designed into
the system—not added after launch.
the system—not added after launch.
Capability
Traditional robo
Intelligent Robo Gen 2.0
Investor profile
Static questionnaire
Dynamic, goal-based profile
Decision model
Single algorithm
Coordinated specialist agents
Rebalancing
Calendar-based
Threshold, risk, and relevance based
Reporting
Performance charts
Decision rationale and next action
Human control
Limited
Configurable human-in-the-loop
Monitoring
Periodic review
Continuous, prioritised monitoring
FAQ
Important questions, answered
clearly.
Product transparency starts before onboarding. Final
disclosures should reflect the business model, target
market, licence position, and service scope.
disclosures should reflect the business model, target
market, licence position, and service scope.
Design your first AI workflow
Does Intelligent Robo guarantee returns?
Does Intelligent Robo guarantee returns?
Does Intelligent Robo guarantee returns?
Does Intelligent Robo guarantee returns?
Does Intelligent Robo guarantee returns?
Does Intelligent Robo guarantee returns?
Does Intelligent Robo guarantee returns?
HUMAN GUIDANCE
Digital
intelligence,
supported by real conversations.
Clients can meet with our team online or in person to clarify their
goals, review Robo recommendations, and make more confident
financial decisions. Sessions can support onboarding, portfolio
reviews, and major changes in a client’s financial life.
goals, review Robo recommendations, and make more confident
financial decisions. Sessions can support onboarding, portfolio
reviews, and major changes in a client’s financial life.
Meeting availability, service scope, and advisory permissions may vary by location and applicable regulations.
Flexible access
In-person meetings
Join a focused video session for profile setup, goal planning, portfolio review, or follow-up
—wherever you are.
—wherever you are.
Onboarding and ongoing reviews
By appointment
In-person meetings
Meet face to face in supported locations when a deeper planning conversation or a more complex decision deserves dedicated time.
Personal, structured guidance
THE INTELLIGENT ECOSYSTEM
Robo becomes
more powerful
when it connects
with the rest of your
financial life.
Move from portfolio management to a broader wealth journey with Wealtha, or use FinMate
to understand Robo insights, test scenarios, and ask better questions before acting.
to understand Robo insights, test scenarios, and ask better questions before acting.
Wealtha
Ongoing
Turn your Robo strategy into a
complete wealth plan.
complete wealth plan.
Bring investment goals, cash flow, long-term planning, and portfolio progress into one
connected financial experience.
connected financial experience.
FinMate
Ongoing
Ask about every recommendation before you act.
Use plain-language conversations to explore portfolio fit, risk, market context, simulations, and the next best action suggested by Robo.