Mantle is a client-management and workflow platform built for Australian financial advisers. Four layers, one workspace: it stores what you drop in, generates what you'd otherwise write, watches the whole book, and tracks every conversation.
Each layer is a distinct job. Together they take the operational load off the desk so the adviser can focus on the conversation.
Drop in transcripts, COCs, super statements, tax returns, client profiles. Mantle parses them, files them, and links them to the right client — no manual data entry.
Meeting transcripts get classified (intro call vs review vs quote proposal) and consolidated into the client's All Transcripts file. Certificates of currency parse into individual PolicyOnRecord rows with sum insured, premium, ownership, and paid-via-super flag. Superannuation statements land as SuperStatement rows with balance-date provenance so the freshest number always wins. Tax returns extract income figures that flow into IP cover modelling.
Every extraction is trust-flowed: file lands in a PendingFile queue, adviser ticks to confirm, then Haiku extracts. Nothing writes to a client record without a human in the loop.
Follow-up emails, SOAs, financial plans, alteration requests, quote proposals — generated from the client's data and screened by 30+ compliance detectors before you review.
Every prompt encodes the adviser's actual voice — banned phrases, locked phrasings, education-block conventions, tone calibrations refined from real reviewed drafts. Different workflows (FOE_Call vs FOE_Meeting vs Quote Proposal vs Review Proposal) use different prompt shapes because they're different conversations.
Every generated draft is post-processed through the compliance detector layer: past-date sanity checks, hallucinated-figure detection, banned-phrase scans, cover-status inference blocks, kids/mortgage descriptor caps, insurer-naming rules, and 20+ others. Violations trigger a second-pass regeneration with corrective instructions; if the second pass still trips, the draft blocks at the pre-send gate.
Every renewal, super gap, story trigger, promised callback — surfaced on one screen so you act before the client has to chase.
The renewal radar tracks every policy renewal date, compares new premiums against 5-year history, and flags anything with a ≥15% jump. The gap-analysis matrix cross-tabulates every client against the four core cover types (Life / TPD / Trauma / IP) so you can see who has holes at a glance.
Story triggers watch for events in the meeting record — a client mentioning a new baby, a mortgage, a change of job — and surface them as prompts to reach out. Promised callbacks logged in meeting notes become dated tasks. Nothing needs the adviser to remember it — the system remembers for you.
Every email sent, every reply logged, every follow-up surfaced. Mantle knows who's responded, who hasn't, and who needs a nudge before they drift quiet.
Every email you send gets logged against the client record. Reply-detection scans inbound messages, classifies them (auto-reply vs bounce vs real response), and either resets the chase clock or surfaces a bounce as a ToConfirmItem. Attachments in replies auto-file to the client's folder.
The Email Tracker page shows mailbox truth — not draft pushes. A row only turns "sent" once Mantle's sync sees the message in your Sent folder. No phantom "sent" states for drafts left unpushed.
Mantle isn't a horizontal AI assistant with an advice skin. Every rule, prompt, and detector was built for the specific decisions an Australian financial adviser makes.
Level premiums are called out automatically for clients in the 27–33 age band where the long-term lock-in is a genuine structural play. Older clients get the stepped framing by default. Never oversold.
Treated as irreplaceable per APRA. Mantle blocks any suggestion to market-comp or replace these — the standard framing is "protect the policy, right-size the premium".
Contribution caps (concessional / non-concessional / bring-forward), downsizer eligibility, work test, transfer balance cap — all sourced from a live regulatory-figures file so SOAs never quote a superseded cap.
Each insurer parses differently: AIA's per-benefit rows, TAL's whole-policy premium replicated across benefit lines, Zurich Active's severity-scale trauma. Aggregation logic is insurer-specific to avoid double-counting.
Every SOA and email is screened for locked phrasings, banned phrases, inferred-intent violations, hallucinated figures, and insurer-naming rules — the same catalogue Bombora reviewers apply, but at draft-time.
Complete Bombora-format SOAs with Alternatives Considered, Compare Ratings, replacement-policy consequences, super-fund balance handling, and SMSF cases. Financial plans handle cashflow, retirement, and salary-sacrifice modelling.
Mantle is software. It is not a licensee, not an advice network, and not a referral platform. You keep your current licensee arrangements, your existing product APLs, and your established client relationships.
Mantle plugs into the tools you already use — Gmail, Dropbox, Outlook — and adds a workspace on top for the parts of your day that don't belong in email or a file browser. Client data lives on Australian servers (Sydney); AI inference runs via AWS Bedrock (Sydney) or Anthropic's US API under a contractual no-training DPA.
Every read and write is audit-logged. Multi-tenant boundary is enforced at the database level — advisers only ever see clients from their own firm.
Mantle suits practices where the adviser or the practice manager is the one doing the admin — so time savings translate directly to time recovered for client work. We currently work with:
If you're outside those brackets and interested, we're still happy to talk — we may or may not be the right fit today, but the conversation is short.
Mantle was built inside Square Peg Financial — an Australian advice practice with a live book of thousands of clients. Every feature exists because a real adviser hit real friction and the workspace was reshaped around it.
The team behind Mantle are practising advisers and practice-management staff who use the product every day. That's the point: the platform evolves at the pace of the work it supports, not at the pace of an outside product roadmap.
We're onboarding a small number of advice practices through 2026. If that's you, get in touch and we'll set up a walkthrough.