For Michelle Kelly, Wealth Manager and Co‑Founder of Sun Foster Private Wealth, the impact is clear. Producing an engagement letter once took two hours or more. Today, it takes approximately 15 minutes — an 87% reduction in time for a task that touches every new client.
 “Marloo drafts the engagement letter using the customised document we have provided and the meeting notes that it has recorded. We simply come in with fresh eyes to refine and personalise it — and that takes about 15 minutes.”
The time savings directly translate to growth capacity. With Marloo embedded into their workflow, Michelle believes the firm could “comfortably onboard new clients every week — and still deliver deeply personalised advice.”
For a boutique wealth management firm built on meticulous, tailored service, this kind of scalability is transformative.
“I genuinely believe our business will be more profitable, sooner, because of Marloo.”
A process that once required hours of cognitive load is now streamlined end‑to‑end.
Before Marloo, creating an engagement letter was a multi‑stage, mentally demanding process:
“After meeting with a client, I’d sit down and essentially empty my brain onto the page - their background, their goals, what we needed to model, and the benefits of each aspect of the advice. Then I’d step away, return later, and read the entire document again to ensure accuracy and clarity.”
Now, using conversation context from client meetings, the documents that Sun Foster have provided and Marloo’s understanding of Australian Financial Services compliance, that workflow is compressed - without sacrificing quality.
“We’re putting our time and energy where it matters most: understanding our clients and designing bespoke strategies and portfolios. That’s our value.”
Marloo is technology that strengthens, not replaces, human connection. For Michelle and her business partner, Elaine Zhao, who left the security of a private bank to build Sun Foster, maintaining a personal, relationship‑centric experience has always been non‑negotiable.
“Marloo makes our process faster and more reliable. It allows us to respond quickly - which clients expect - without losing the personal touch.”
Elaine often supports clients with complex cross‑border structures, predominantly Mandarin‑speaking families with assets in Australia, China, Singapore, Hong Kong, and Canada. Sun Foster also specialises in helping women navigating divorce or widowhood - clients who often need emotional support as much as technical clarity.
“Marloo allows us to be fully present. I’m looking my clients in the eye, not down at a notepad. When someone is going through something emotional, the last thing you want is to be clinical and distracted by admin.”
By removing administrative load, Marloo enables the deep human connection Sun Foster’s clients value and helps the firm serve more clients without compromising care both initially and over time.
For Michelle, Marloo isn’t simply a productivity tool; it’s the technology enabling Sun Foster’s tailored, human‑centred advice to scale safely and profitably.
More from our conversation with Michelle Kelly:
You’ve also tested Marloo for Statement of Advice generation. How did that go?
After Marloo prepared the engagement letter with only minimal edits, we asked it to combine the engagement letter, specialist input, modelling, research, and our SOA template to create a full Statement of Advice. Not only did it bring everything together beautifully, it also included alternatives and documented the rationale for discounting them, which is essential for compliant advice. That was the moment we said, this changes everything. It gives us confidence that we will be able to spend more time meeting clients and working on strategy, portfolios and tailoring - the things clients genuinely value - not formatting or cross‑referencing.
What would you tell another adviser who’s considering Marloo?
I've already been recommending it widely. I even connected a friend who runs a large advisory practice in London and he was impressed. He said it was the best he’d seen at producing compliant documents with this level of consistency and customisation.
How else are you using Marloo?
I recently used it to sift through several conversations I’d had with a client and quickly pull every mention of a specific detail. It found every single instance instantly. It was incredible. We will use it for client reviews too, asking Marloo to provide a summary of all previous conversations and interactions so we don’t miss anything in the implementation or review process. This way we can ensure clients get the service they expect and deserve and we can be assured our advice is implemented and reviewed with precision. The team at Marloo is iterating so quickly and is responsive to the needs of advisers we are confident that it will provide time savings, and therefore more time for clients, at every stage of the advice process.
Do you see Marloo as a competitive advantage?
Absolutely. It makes our processes faster, more consistent, more compliant and more reliable - all things clients expect. I recently read a survey which found clients now assume their adviser will be using AI. They expect that level of efficiency and modernity. If you’re not using it, they wonder why.
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