For Australian advice practices · 3–25 advisers · $100M–$2B FUA

Advice you can prove.
At scale.

Walk out of every audit. Sleep through ASIC scrutiny. Give your senior advisers their week back to your best clients. Surity360 reconciles XPlan, Worksorted, HUB24, MyNorth, SharePoint and MyProsperity into one auditable client record — without asking you to migrate off any of them.

47%
Adviser decline since 2019
8–12
Hrs/week below-the-line drag per adviser
$115K
Opportunity cost per adviser per year
~4 hrs
Your time for the 30-day pilot
The Problem

You already know the problem.

If you run a small-to-medium advice practice in Australia in 2026, the compliance gaps are not hidden. They are quietly inevitable when five systems never talk to each other.

Today · the status quo Five systems. Zero single view.
  1. XPlan
    SOA / ROA
  2. Worksorted
    CRM, AAAs
  3. HUB24 / MyNorth
    Platforms
  4. SharePoint
    Documents
  5. MyProsperity
    Fact find
The manual exception
XPlan and MyProsperity have a two-way link — but it is triggered file by file, data field by data field, by a team member. It is labour, not integration.
Connection legend Limited 1-way (fewer than 20 fields) Manual 2-way (file by file, by hand) No integration

Key takeaway. Each system operates in isolation. The exceptions — a one-way under-20-field push from XPlan into Worksorted, and a manual file-by-file sync between XPlan and MyProsperity — prove the gap; they don't close it. The compliance evidence chain still breaks at every seam.

Does this client's HUB24 portfolio still match the risk profile we set in XPlan?
Risk tolerance and investment options live in XPlan and the Worksorted client record. Actual fund holdings live in HUB24 and MyNorth, drifting daily. Nothing reconciles intent against reality — a client labelled Balanced in XPlan can quietly run 80/20 on platform without anyone noticing until audit.
We chased that client for BID consent for two weeks.
Free-form email replies are unreliable. Roughly half of consent emails get ambiguous answers, or no answer at all. The evidence chain breaks before it begins.
My senior adviser is doing data entry again.
Below-the-line drag eats 8–12 hours per week per adviser, even with offshore paraplanning. That is roughly $115,000 per year of lost client-facing time.
If ASIC walked in tomorrow, could I evidence every BID decision in 2025?
Probably not, without two days of file-rummaging. ASIC's October 2025 offshore review and parallel BID intensification have raised the bar — and fragmented evidence is no longer tolerable.
We grew, and now compliance feels heavier, not lighter.
Each new client multiplies documents, renewals, signatures, and follow-ups. Manual oversight does not scale — and a fragmented book is what costs you one to two turns of multiple when it is time to sell or transition.
The fragmentation tax
Every hour your team spends reconciling XPlan, Worksorted, HUB24, MyNorth and SharePoint by hand is revenue going to the integration tax — not to client outcomes, not to growth, not to your senior advisers' time. Each of those systems is excellent at what it does. None of them was built to see across the others. That gap is where your hours, your evidence, and your margin disappear.
The Platform

One layer above your entire stack.

Surity360 does not replace anything you already use. It reads from each system, reconciles the data, and shows you what no single tool can see on its own.

With Surity360 · one control plane Existing stack in. One auditable record out.
Your existing stack
XPlan
Financial planning
Limited sync
Worksorted
Workflow & tasks
Two-way
HUB24 / MyNorth
Platform data
Two-way
SharePoint
Documents
Feed-only
MyProsperity
Fact find / portfolio
Two-way
Surity360
Control plane
  • Ingestion
  • Reconciliation
  • Orchestration
Surity360 outputs
Client 360 View
One screen per client
Compliance Cockpit
AAA / BID / fees / SOAs
Audit Trail
Every change, every source
BID Evidence + ROA Filing
Capture, classify, file
Connection legend Two-wayBi-directional sync Feed-onlyOne-way ingest LimitedSpecific data only
The Opportunity

Automate below the line.
Operate above it.

The firms that win operate above the line. They know the client, the family, the goals, the anxieties. Surity360 automates below the line so your advisers have the bandwidth to get there.

Above the Line
The person
  • Goals, family, life transitions
  • Retirement timing and anxieties
  • Swarbrick 8 Dimensions of Wellbeing
  • The conversations that win clients for life
"Know me, know my family, understand me, simplify me, reduce my anxiety."
Below the Line — automated by Surity360
The product
  • AAA expiry tracking and alerts
  • Risk profile reconciliation across platforms
  • Fee consent and OFA lifecycle
  • BID evidence filing and audit trail
  • Document classification and gap detection
Capabilities

What Surity360 gives you.

Six capabilities. One platform. No stack migration required.

Client 360 View
Walk into every review meeting knowing the picture in 30 seconds, not 30 minutes — compliance health, portfolio state, life-plan context, fee status, recent activity. One screen. One source. Tab-switching across five systems goes away.
~50 hours saved per adviser per year
AAA / Fee / BID Expiry Alerts
Sleep through ASIC reviews. Stop relying on calendar reminders, spreadsheets, and the senior adviser's memory. Every expiring AAA, lapsing fee consent, and approaching BID deadline surfaces automatically — across every client, every system. Silent expiries are how practices get caught. They surface before they become the silent enforcement event.
Zero silent compliance gaps
Client Response Portal
One-click structured BID consent and ROA acknowledgement forms, sent via unique link. Replaces free-form email replies — consent rate up, follow-up time down, audit-quality evidence captured automatically.
Consent and evidence in one action
Bulk Rebalance with Personalised ROAs
When the investment committee changes a fund — VGS to VGAD, STW to AAA — Surity360 identifies every affected client, generates personalised ROAs, captures BID consent, and tracks execution across HUB24 and MyNorth. Fifty clients in days, not weeks.
Full rebalance cycle, fully compliant
Fact Find Extraction
Surity360 extracts the Swarbrick 8 Dimensions of Wellbeing — goals, family, purpose, health, environment — directly from your existing MyProsperity fact finds. No second subscription, no double data entry. The Lumiant-style life-plan conversation, without Lumiant.
No new platform required
Palantir-Grade Audit Trail
When a senior adviser leaves, the relationship knowledge stays. When ASIC asks, the evidence chain is one click away. Every field change, every source, every timestamp — across every system. Bronze, Silver, Gold data lineage. Immutable. Exportable. ASIC-ready.
Every BID decision, evidenced
The Architecture

Built agent-native.
From Day 0.

Most adviser AI is one of two things: a chatbot retrofitted onto a CRM, or a US data warehouse with AI insights, signals and stories layered on top. Both are clever output. Neither is an Australian advice evidence chain. We built the data layer for AI from Day 0: a versioned ontology, a synthesised Practice Brain, and a Palantir-grade audit trail — native to AU compliance, not adapted from a US data architecture. AI on clean, governed data beats AI on fragmented tables. Every time.

  1. Ontology

    We model reality, not tables.

    Every concept in Surity360 — a client, an SOA, a fee consent, a portfolio drift event, a BID obligation — is modelled as a typed object with its own state machine, sources, and obligations. Not a row in a CRM. Not a screen. A real-world object the system understands. Bronze, Silver, Gold lineage. Every field carries source, date verified, and conflict status. When ASIC asks "was the risk profile current when you issued the SOA?", the answer is a query against versioned objects — not a forensic exercise across three systems.

    "We didn't build a CRM and bolt AI on top. We built a reality model that AI was always meant to operate on."
  2. Practice Brain

    Synthesis, not chat.

    Every client gets a synthesised brief refreshed nightly — summary, recent activity, open commitments, tensions, and sources. One page, not three systems. Read in two minutes before the meeting. This is not retrieval-augmented chat over scattered documents. It is a structured per-client file tree where every claim cites its source, enforced by a 98% citation-rate gate at write time. Conflicts are pre-resolved by a documented order. Stale facts are flagged before the adviser sees them.

    "RAG retrieves text. We model reality."
  3. Temporal compliance

    What was true, when, and who decided.

    Every field change — every value mutation, every source-of-truth shift, every override — is logged with old value, new value, source, and trigger. When ASIC asks what you knew, when, and how you knew it, the answer is a query, not a fortnight of file-rummaging. A 365-day rolling change log today. A 7-year statutory evidence chain on the roadmap. The architecture that makes both possible is already live.

    "Most software answers what is true now. Surity360 answers what was true, when, and who decided."
AI bolted onto a CRM
  • Tells a confident story from one system's data
  • Hallucinates when the data is partial — and the data is always partial
  • Sees only the current state. The past is a PDF
  • Sells more seats and more prompts per month
Surity360 · agent-native from Day 0
  • Reconciles five systems into one auditable record, then runs synthesis on top
  • Pre-resolves conflicts. Cites every fact. Rejects the output if a claim cannot be sourced
  • Replays the past — what changed, when, why, and which document or agent triggered it
  • Sells outcomes, not seats — see below

Palantir models what happened. Surity360 proves it was right.

A New Category

System of Responsibility.

CRMs store data. Workflow tools track tasks. Surity360 is the missing third layer — the only system that ensures the advice built on that data is correct, complete, and defensible.

System of Record
Stores client data
Salesforce · XPlan · Worksorted
Excellent at storing and retrieving data. Cannot tell you whether the advice built on that data is correct, complete, or defensible.
System of Workflow
Tracks tasks
Fin365 · Plutosoft · Worksorted
Excellent at managing processes and tasks. Cannot see across multiple systems or verify the quality of the evidence those tasks produce.
System of Responsibility
Ensures the advice is defensible
Surity360
The layer above CRMs and workflows. Manages obligations, surfaces gaps, coordinates evidence, and produces a provable compliance chain across every system in your stack.
"Others digitise the advice process. We make it intelligible."
Risk Reframe

The risk isn't trying it.
The risk is standing still.

Most principals worry about the risk of trying a new platform. The bigger, quieter risk is the cost of not trying anything.

The trade Invisible risk now. Or a bounded pilot for ~4 hours of your time.
30-day pilot
Bounded, reversible risk · one quick win
Status quo
Invisible risk
High, silent, unknown timing
You will not see it before audit
$0 cash, ~4 hrs
Of your team's time, total
Free pilot. Sleep-at-night ROI.
Surface hidden gaps, prove the value, then scale with confidence.
Make the invisible visible
Surface silent compliance gaps before they impact clients or surface in audit.
Save a day or two of team time
Replace manual reviews and guesswork with cross-system automation.
Protect $100K+ events
Catch material gaps early. Reduce financial and reputational exposure to ASIC.
Sleep at night
Know your clients are covered and your compliance chain is provable on demand.
Outcome Confidence, time back, and zero-dollar surprises. Pilot it. Prove it. Scale it.

Three risks of standing still

01
A silent compliance gap surfaces in audit.
One ASIC enforcement event costs $100K–$1M+ in legal, remediation, PI premium uplift, and reputation damage. ASIC's October 2025 offshore review has made fragmented evidence a real, auditable liability — not a theoretical one.
02
Below-the-line drag eats your best advisers.
8 hours/week × $300/hour × 48 weeks = $115,000 per adviser per year of lost client-facing time. With 47% fewer advisers in the industry since 2019, every hour has never been more valuable.
03
The acquisition multiple is set by your data, not your story.
Capital-backed consolidators are aggressive buyers of Australian advice practices in 2026. The multiple they pay, and the seat they offer your senior advisers, is set by what they have to fix afterwards. A fragmented book is a discount. A practice with a unified client record and an auditable evidence chain is a premium. With a large share of principals approaching retirement, this is a pricing question, not a technology one.

Five reasons it is genuinely safe to pilot

Read-only first.
The default ingest layer only reads from your systems. Nothing in Worksorted, XPlan, HUB24 or SharePoint is altered until you explicitly turn on a write-back feature.
Bring your own stack.
We do not ask you to migrate off XPlan, Worksorted, HUB24, MyNorth, MyProsperity, or SharePoint. We integrate with what you already have.
Free 30-day pilot, scoped to one quick win.
Pick one: AAA expiry dashboard, BID consent portal, or HUB24 alignment. Delivered on your live data inside 30 days. Walk away at any time — no migration cost, no obligation.
No data lock-in.
All data is exportable on demand (CSV, JSON, Parquet). Your client data is yours. The Gold layer is a copy of what already lives in your source systems.
Palantir-grade governance, not a startup hack.
Bronze/Silver/Gold data layering, immutable audit logs, role-based access, GCP Secret Manager, Cloudflare Access on the perimeter. Built to ASIC scrutiny standard from day one. Australian data residency (Sydney region).
The Pilot

From zero to live data in 30 days.

Day 30 deliverable: a working Client 360 plus one of AAA expiry dashboard, BID consent portal, or HUB24 alignment — on your live data, with a written ROI estimate based on what we found.

1
Discovery call
30 minutes
We learn your stack, top pain points, and pick the quick-win deliverable.
2
Read-only credentials
1–2 hours
Least-privilege credentials for Worksorted, HUB24, SharePoint, MyProsperity.
3
Ingest + build
0 hours of yours
We do this. You do not. Typically 2–3 weeks to first usable dashboard.
4
Adviser walkthrough
45 minutes
One session showing your live data on the new screens.
5
Principal review
1 hour
Written ROI estimate. Continue or walk away — your call.
Total elapsed
~30 days · ~4 hours of your team's time
How we win

Their greatest strength is the very reason they can't solve this.

Three honest comparisons. Each incumbent does one thing brilliantly. Surity360 lives in the gap that brilliance creates.

vs Communify / ERAi
Strength: a global data-aggregation platform with deterministic AI guardrails. Backed by Communify (California) and Entireti, with serious resources behind the AU build.
— the gap —
Insights, signals, and stories.
Not an Australian evidence chain.
ERAi is a US data warehouse architecture being adapted to Australia, with AI narratives layered on top. The pattern in their own words: gather data, organise it, deliver "insights, signals and stories." That is genuinely useful. It is not the same thing as compiling an Australian advice evidence chain — every BID decision, every AAA renewal, every OFA event, with sources and timestamps that satisfy ASIC. Phase 1 lands Q3 2026, Entireti network only. Surity360 was built native to Australian advice from Day 0. Ontology-first, not warehouse-first. Live today, not next year.
vs Lumiant
Strength: a beautiful, values-based front end for life-plan conversations — Swarbrick 8 Dimensions, goals, family.
— the gap —
The same conversation.
Without the second subscription.
A separate UI demands separate data entry. Surity360 extracts the same Swarbrick 8 vocabulary directly from the MyProsperity fact finds your clients have already filled in. No new platform, no double entry, no extra client interaction. Lumiant-grade context, MyProsperity-grade economics.
vs XPlan / Worksorted compliance modules
Strength: each is the standard inside its own walls — SOA production for XPlan, CRM and tasks for Worksorted.
— the gap —
They see inside themselves.
We see across all of them.
XPlan sees XPlan. Worksorted sees Worksorted. The compliance event — the unsigned AAA, the missing BID evidence, the portfolio drift across HUB24 and MyNorth — lives in the seam between systems. Surity360 is the only layer in the Australian advice market that operates in that seam.
Who's got your money?
Right now, your potential operating margin is being held by fragmentation itself — the integration tax you pay every week to bridge five systems by hand. Your XPlan and Worksorted subscriptions are not the problem. The unowned space between them is.
Why Now

Three forces are converging in 2026.

The window to put this foundation in place — quietly, on your own terms, without a forced migration — is the next twelve months.

01
Regulatory
ASIC's October 2025 offshore outsourcing review and the parallel Best Interests Duty intensification have made fragmented evidence a real, auditable liability. The cost of an enforcement event: $100K–$1M+. Fragmented evidence across five systems is no longer tolerable.
02
Demographic
47% fewer advisers since 2019. Each remaining adviser carries more clients, more complexity, more compliance burden. Meanwhile, $4.5 trillion in superannuation means demand is surging. The only answer is leverage — and software is the lever.
03
Competitive
Capital-backed consolidators are aggressive buyers of Australian advice practices in 2026. The multiple they pay reflects what they have to fix post-deal: a fragmented book is a discount, a practice with a unified client record and a clean evidence chain is a premium. A major Australian licensee group is rolling out a US data-aggregation layer (Communify/ERAi, Phase 1 from Q3 2026) to lift its network to a common floor — the same floor independents need to clear, on their own terms, to retain the negotiating position.
About Surity360

Built in the practice.
Not in a pitch deck.

Surity360 was specced, broken, and rebuilt inside a live Australian advice practice for two years before a single line of marketing copy was written. Every workflow on this page was carved out of a real Tuesday afternoon — not sketched on a whiteboard.

25+
Years operating as a Tasmanian advice practice
1,000s
Clients under advice across the live stack
100s
Comprehensive SOAs delivered every year
6
Live systems we run on every day — XPlan, Worksorted, HUB24, MyNorth, SharePoint, MyProsperity
We did not set out to build a software company. We set out to build the layer we kept wishing existed — the one that would let our team walk out of every audit, give our senior advisers their week back, and let us scale without scaling the integration tax. The version we ship to other practices is the version we use ourselves on Monday morning.
— The founders, Nigel Barling Financial Services

The founders

Founder · Managing Director
Nigel Barling
Senior financial adviser · 25+ years building NJBFS
Nigel founded Nigel Barling Financial Services in Hobart and has run it for over two decades. He has personally lived every workflow Surity360 automates — fact find to ROA, AAA renewal to BID evidence — across thousands of client engagements. He is the reason every feature is grounded in what an adviser actually does on a Wednesday morning.
njbfs.com.au →
Founder · Technology & Operations
Dermot Crean
Platform architect · financial services technology
Dermot designed and built the Surity360 platform — the data layer, the integrations, the audit trail, the AI synthesis. He owns the engineering decisions that make the platform defensible to ASIC scrutiny on day one, and the product decisions that keep it usable on a busy Tuesday afternoon.
LinkedIn →
The implementation team
Behind the founders sits an experienced onshore and offshore implementation team that runs the practice every day — the same team that uses Surity360 to file ROAs, reconcile portfolios, and prepare review packs. When we ship a feature to you, it has already survived a week of their scrutiny.
Why this matters to you
Most adviser technology is built by software companies. Their strength is polish; the gap is that they have never traced a missing BID consent across five inboxes or watched a senior adviser disappear into data entry on a Friday. Surity360 was built by people who do.
FAQ

Common questions.

What does it cost?

SMB pricing is per-adviser/month, banded by practice size. The pilot itself is free. A 5-adviser practice typically lands inside the cost of a single platform subscription you already pay (XPlan, Worksorted etc.) — and is designed to be fully covered by ~1 hour/week of recovered adviser time. If you do not save that, do not subscribe.

What's the catch?

The honest one: we are early-stage and we want lighthouse SMB customers. In return for a public reference (or even a private one your licensee can see), pilot pricing extends. If you do not want to be a reference, standard pricing applies — still well inside your existing tooling spend.

What if a consolidator buys us?

Surity360 makes you a more attractive acquisition, not a less. Capital-backed consolidators pay a higher multiple for practices with clean data, structured evidence, and a unified client record, because they do not have to fix it post-deal. That is exactly what Surity360 produces. Whether you sell to a consolidator, run an internal succession, or pass the practice to family, you walk into the conversation with the operational discipline that sets the price.

How does it integrate with XPlan and Worksorted?

We do not currently write back to XPlan. We read XPlan exports and reconcile against Worksorted/HUB24. XPlan stays the SOA production engine. Worksorted has native API integration — bi-directional once you opt in, read-only by default during the pilot.

What about HUB24, MyNorth, Netwealth, BT Panorama?

HUB24 — full integration including SFTP daily reports, alignment dashboard, and Playwright automation for portal-only workflows. MyNorth — Playwright automation plus client list ingest. Netwealth and BT Panorama — read-only via daily report ingest; deeper integration on the 2026 roadmap.

Where does my client data live?

Australian-hosted MongoDB Atlas (Sydney region) for structured data, Google Cloud australia-southeast1 (Sydney) for compute and document caches. No data leaves Australia. All connections encrypted in transit and at rest.

Will my licensee approve this?

We provide a licensee briefing pack covering data handling, hosting, security, audit, and ASIC alignment. To date, every licensee that has reviewed the pack has approved a pilot. If you are self-licensed, even simpler — you make the call.

What if it doesn't work for our team?

The pilot is scoped to one screen, one workflow. If your team does not use it after 30 days, that is the answer — and you have lost nothing. Source data stays in your existing systems. Worst case, you stop syncing to Surity360 and you are exactly where you started. It cannot break anything — read-only by default.

What's on the 2026 roadmap?

Practice Brain — an adviser-ready synthesis layer that produces structured summaries per client before every review meeting. Expanded platform connectors for Netwealth, BT Panorama, and Praemium. Tighter Lumiant integration. Salesforce and Dynamics connectors. Outcome-as-a-Service pricing for specific workflows (ROA filing, rebalance execution, BID consent capture).

The Trade

You are not being asked to bet the practice on a new platform.

You are being offered four hours of your time, a free 30-day pilot, and a written ROI estimate on your own data. If it does not earn its keep, you walk away. Your stack is unchanged.