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Up Adviser uses advanced analytics and powerful visualisations to better demonstrate the value of sound financial advice.

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  • “I haven’t yet seen another software capable of doing the same thing”

    Michael Khosrowpour, Financial Advisory Director, PromiseLand

  • “With Up Adviser we’re able to compress 85 years of life events into a financial roadmap”

    Johnny Nimrod Chan, Financial Services Manager, Apex Wealth Management

  • “Gone are the days when I had to sit down with a client and use a pen and paper”

    Maximilian Tung, Wealth Management Adviser, PromiseLand

    Revolutionising Financial Advice

    Digital financial planning

    Save time and deliver a better client experience with information that’s easy to enter and access anywhere, anytime.

    Clear and transparent advice

    Help clients see, and better understand, key scenarios and decisions with simple and powerful visualisations of your advice.

    Better client collaboration

    Share plans with ease and collaborate more effectively with clients.

      Arrange a demo.

      See for yourself what Up Adviser can do for you, your clients and your business.

      The Choice of Leading FA Firms

      FA Transparent Stack - 4

      4 Star Adviser Rating

      stars 3

      • The solution digitised what I've been doing using an Excel spreadsheet.

        Ang Kok Chin

        Financial Advisory Director, Financial Alliance

      • This helps WYNNES in a test project – '30 under 30’ – to engage in a conversation with millennials, who are the next generation of our senior clients.

        Carol Seah

        Founder & CEO, WYNNES Financial Advisers

      • It provided a better understanding of client needs and their potential returns for retirement planning.

        David Wee

        Manager Distribution, Finexis

      • The client was very impressed with the platform. It made explanation and planning very easy to articulate!

        Mahalingam Saravanan

        Associate Director Business Development, JPara Solutions

      • I told him rather than show him various retirement plans, I could go through his financial status and do holistic planning for his family, for him to have a better picture.

        Philip Ong Kheng Leong

        Director, Ray Alliance

      • It’s able to give clients a more holistic and complete financial planning experience, especially a non-bias point of view.

        Stanley Sum

        Senior Financial Consultant, SingCapital

        The Financial Planning Solution Everybody's Talking About

        Standard Chartered partners FinTech BetterTradeOff to offer new online financial planning solution

        Online tool simulates different financial scenarios and provides options to build a highly comprehensive personal plan in minutes.

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        Zurich Malaysia Partners Singaporean Fintech to Simplify Financial Planning

        Zurich Malaysia and Singapore-based fintech BetterTradeOff, launch Up | MyZurichLife, a financial planning solution exclusively for MyZurichLife’s users to help them plan their finance.

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        Fintech Start-up Has Holistic Life-planning Solutions For Everyone

        An interview with BTO Co-Founder and CEO Laurent Bertrand.

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        Financial Tools: Part 2 – Financial Planning App

        Covid-19 has dealt a severe blow to the economy, and as it has, affected people of all ages and vocations across the world.

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        How financial planning will change post COVID-19

        BetterTradeOff CEO, Laurent Bertrand, talks about Up and how financial planning has changed due to the pandemic on Money FM 89.3 with Elliott Danker, Manisha Tank, and Ryan Huang.

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        Meet Up: a financial Planning platform to help you manage your money

        Financial planning. Two words to the average millennial, at best, spark disinterest, and at worst, causes anxiety.

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        What’s Up? How to Break Out of the Sandwich Generation Cycle with this Platform

        Caught between filial piety and obligation.

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        Young adults tackle first economic crisis

        The Sunday Times finds out how they are rethinking their saving and spending habits with the Covid-19 pandemic.

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          Powerful Tools to Plan and Protect Your Client's Future

          Client Self-onboarding

          Save time on fact finding by allowing clients to self-onboard digitally.

          Child Dream

          Help clients plan and better prepare for the addition of a new child.

          Insurance Gap Simulation

          Identify coverage gaps and secure your client's financial future.

          Inflation Adjusted and Nominal Values

          Demonstrate the impact of inflation by switching between inflation adjusted and nominal value views.

          Relocation Simulation

          Help clients assess and plan for relocation opportunities.

            Up Adviser was developed in collaboration with top advisers and their clients

            This industry pilot project set out to demonstrate that a collaborative approach to digital financial planning, supported by BTO’s solution, could help advisers improve productivity and serve clients better.

            Click Here To Get The Pilot Report

            We're BetterTradeOff

            We simplify and demystify financial planning with do-it-yourself and collaborative online planning solutions for consumers, advisers and financial institutions.

            Visit Our Website

            Data security is our highest priority

            We know your personal data is precious, so we take great precautions protecting it. Including regular third party audits of our system and end-to-end encryption to assure confidentiality.

            Our Blog

            Industry insight and food for thought

            $19,000 per year to own a car in Singapore? Here’s the cost breakdown.

            Buying a car in Singapore, like everything, is expensive.

            Read more

            Chicken rice could cost $10.60 in 2050?! Costs that can destroy your retirement.

            Know the potential financial pitfalls so you’re not just scraping by in retirement.

            Read more

            Goodbye to the squeeze

            Pulling as much as possible from clients up front is no longer acceptable. The wealth management industry needs the tools to adapt.

            Read more

            Is your HDB fully protected?

            How do you ensure that your home is protected?

            Read more

            Singaporeans, $380K is what you need to raise a child in Singapore

            Got married? Bought a house? Now the next ‘right’ step is to have a baby, right?

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            Singapore – A Place to Work? Or to Stop Working?

            Singapore’s combination of low taxes, low regulation and abundant pension products may make it the unexpected retirement destination of the future.

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              Internationally Recognised and Awarded

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              BTO is proudly certified by the SAF