Key takeaways
- Clara gives a policies-first view of every client, with policies, notes, documents and emails filed against the right person.
- Claims and enquiries arriving by email become tracked requests with reference numbers and follow-up tasks.
- Renewal reminders are drafted 30 days ahead, and life renewals get an old-versus-new schedule check, but nothing is sent until an adviser approves it.
- Provider portal pulls pause for your one-time PIN, so the credential stays with you.
- Clara never makes the recommendation: comparisons stay descriptive and reports pass a review gate.
Introducing Clara for financial advice practices and brokerages.
South Africans who work with a financial planner report better outcomes, more confidence and less stress. The constraint in most practices isn’t demand — it’s capacity. Every hour an adviser spends on admin is an hour a client doesn’t get.
Where the hours go
Ask any advice practice where the week goes and you’ll hear the same list. Client reviews rebuilt by hand from several systems. Claims and enquiries read, re-keyed and chased from the inbox. Renewals remembered — or missed. Commission statements reconciled line by line. A separate portal login for every provider, just to pull a schedule.
None of it is advice. All of it has to be done, and done properly, because a FAIS-regulated practice has to keep the record straight.
One view of every client
Clara gives you a policies-first view of every client, with every policy, note, document and email filed against the right person. Search by policy number, see the change history, and see what a policy looked like on any past date. Review prep stops being an afternoon of reconstruction.
Claims and enquiries, tracked from email
Emails from clients and providers become tracked requests. Clara captures the reference numbers, sets the follow-up tasks and checks gap cover submissions for completeness before they’re filed. Nothing lives only in someone’s inbox.
Renewals, checked and drafted
Life renewals get an old-versus-new schedule check, so a premium jump or a reduced benefit is flagged before the client finds it. Reminders are drafted 30 days before any policy renews, from the client’s own data — and nothing goes out until an adviser approves it.
Commissions without the spreadsheet
Commission data comes through the Commspace API and provider statements, with production reports by policy type. Who sees commission is granted, not assumed.
Provider portals, with your OTP in the loop
Clara pulls schedules and statements from provider portals — Discovery, Hollard, Allan Gray and Old Mutual — and every login pauses for your one-time PIN. The repetitive part is automated; the credential stays with you.
FNA, retirement and Record of Advice
Needs-analysis calculations are deterministic and auditable, each with its own calculation ID — life and risk needs, affordability, CGT on death, estate liquidity, and year-by-year retirement drawdown across scenarios. The adviser drafts, a review gate checks, and the client receives a branded report. Record of Advice and Replacement Advice populate from your own templates.
The next conversation, found for you
Clara looks across your book for gaps — medical aid without gap cover, for example — drafts a personal email for each client and sends only what you approve. Replies are tracked, and an interested client becomes an application request. The renewal becomes a reason to review the whole relationship, not just one policy.
Ask about your book
By text or voice, ask which clients renew in the next 30 days, which claims are still waiting on the insurer, or who has medical aid but no gap cover. You get the exact count, the as-at date and the source — then the follow-up, prepared for approval.
AI that drafts, advisers who decide
Advice is a judgement you’re accountable for, so Clara never makes the recommendation. Comparisons stay descriptive. Reports pass a review gate. Access is granted by policy type, client email goes out as the named adviser, and every record, document and approval sits in an audit trail ready for when compliance asks — all designed to support your POPIA obligations.
Built inside a real practice
Clara runs daily at a South African financial advisory firm. We built it with them, one real process at a time, so every feature was shaped by how a practice actually runs rather than how software vendors imagine it does.
Bring one real process
A claim, a renewal or an FNA. In 30 minutes you’ll see what comes off your plate. Book a demo.
Frequently asked questions
What does Clara do for a financial advice practice?
Clara runs the admin: a single view of every client and policy, claims and enquiries tracked from email, renewals checked and drafted for approval, commission reporting from Commspace and provider statements, provider portal pulls, FNA and retirement reports, and Record of Advice from your own templates.
Does Clara make recommendations to clients?
No. Advice stays with the adviser. Comparisons are descriptive, and FNA and retirement reports pass a review gate before a client sees them.
Is Clara suitable for a FAIS-regulated practice?
Clara was built inside one. Access is granted by policy type, every record, document and approval is audited, client email is sent as the named adviser, and the platform is designed to support your POPIA obligations.
Which providers does Clara work with?
Clara pulls schedules and statements from provider portals including Discovery, Hollard, Allan Gray and Old Mutual, pausing every login for your one-time PIN, and pulls commission data through the Commspace API.
How do renewals work in Clara?
Renewal dates sit on the policy. Life renewals get an old-versus-new schedule check and a follow-up task, and reminders are drafted 30 days before renewal for an adviser to approve.