Midwinter’s digital advice capabilities enable Future Group to deliver more accessible, personalised retirement advice to over 400,000 members, improving outcomes through a seamless and cost-effective digital experience.
Future Group has partnered with Midwinter to bring enterprise-grade digital advice technology to its 400,000+ super and insurance members across six brands, rolling out first with Future Super.
The partnership enables personalised, compliant retirement advice at scale, without the cost and complexity that has traditionally made quality advice inaccessible for everyday Australians.
Future Group is a digital-first ethical investment superannuation provider with a vision for all Australians’ retirement savings to contribute to a future worth retiring into, manages $13.9 billion in funds under management (as at April 2026) across five brands.
Future Super was the first super fund in Australia to screen out the fossil fuel industry from its investment strategy. Now it’s the first of Future Group’s brands to give members access to tailored retirement advice through a seamless digital experience.
“We’ve had a collaborative approach from the outset, allowing us to focus on a clear and collective vision: how we guide our members to a sustainable retirement, while also considering their individual circumstances and goals,” said Rosh Singappuli, General Manager Partnerships and Advice at Future Group.
The product has been deployed to work seamlessly inside the Future Super member app. Member details are pre-populated into the digital journey, and the results are passed back to the app to reduce friction and build member confidence. By enabling digital self-service for straightforward advice needs, Future Super’s adviser team can focus on members with complex requirements, improving both efficiency and service quality.
Phase 1 delivers the Pre-Retirement journey. This enables members, through a complete advice ecosystem, to:
- Access retirement projections based on their personal circumstances
- Explore wealth accumulation strategies tailored to their goals and risk tolerance
- Receive real-time guidance on contribution strategies to maximise retirement savings
- Adjust investment strategy based on their preferences and risk appetite
- Self-serve through an intuitive, member-led digital experience
- Receive a Statement of Advice produced in real-time
- Access to the public calculator tool for quick initial engagement
The approach taken by Future Group moves beyond guidance alone. It provides members with clear, personal advice so they can take real action, not just understand their options.
“The energy and drive from the Future Group team to stay true to their values and deliver better retirement outcomes to their members has been inspiring,” says Michelle Lusty, Head of Midwinter Advice Products.
The Future Super implementation highlights key advantages for mid-sized superannuation providers:
- Speed to Market: Agile implementation delivers value in months, not years.
- Cost Efficiency: Modular approach enables funds to start with core capabilities and scale strategically.
- Competitive Differentiation: Enterprise-grade digital advice, typically reserved for large funds, now accessible at mid-market scale.
- Member Retention: Enhanced digital engagement drives member satisfaction and fund loyalty.
- Scalable Platform: Foundation for future phases, and supports growth ambitions and multi-brand strategies.
The partnership is a signal to the broader superannuation industry: mid-sized funds don’t have to choose between speed and quality when it comes to delivering advice to members, with agile execution setting a new benchmark for digital engagement in Australian super.
Ready to transform your financial advisory practice?
Contact us today to discover how Midwinter Digital Advice can transform your practice.
About Bravura Solutions Limited
Bravura Solutions Limited is a leading provider of software solutions for the wealth management, life insurance, and funds administration industries. Our solutions are underpinned by robust technology that enables modernisation, consolidation, and simplification. Our software solutions enable our clients to increase speed to market, provide a seamless digital experience and address ongoing changes in financial services regulation.
Backed by over 30 years of experience, our on-premise, managed, hosted and cloud solutions are used by many of the world’s leading financial institutions, who entrust trillions of dollars in assets to our systems. We support our clients with a team of approximately 1,300 people in 15 offices across Australia, New Zealand, United Kingdom, Europe, Africa, and Asia.
To learn more, visit www.bravurasolutions.com
About Future Group
Future Group is a superannuation-focused company that’s leading the sustainable investment movement to advocate for a future worth retiring into. It’s the fastest growing sustainable investing group, with more than $13.9billion in funds under management as of April 2026 across fiver superannuation brands.
To learn more, visit www.futuregroup.com.au
