Relieve your client’s financial anxiety
and build a strong trust-based relationship
to rapidly grow your revenue and multiply your high-quality referrals.

BTO was founded in 2015 with a mission to bring personalised life-planning to everyone, empowering all to reach their dreams and achieve lifetime financial security.

We developed a truly innovative life-planning solution called ‘Aardviser’ to show people how they can do it. In Aardviser we blend simplicity and functionality to help you easily match relevant products to your client’s life situations in 3 easy steps:

1. Understand and on-board your client into Aardviser

2. Let your client play with their own life scenarios and dreams

3. Match your investment and protection solution exactly to your client’s needs

To bring personalised Life-Planning to everyone


To help everyone plan a successful future


Customer Centric

There is only one boss, the customer!


We own our space, we fight for our ideas, and we get things done

Common Sense

Exercise sound business judgment in all our decisions


Openly communicating, actively listening, challenging ideas


We love spending time together at the office and outside

  • Start of the Company

  • Prototype developed

  • Initial testing and feedback group

  • Team of 4 (CEO, CTO, CPO & UX)

  • Team of 10

  • Team of 15

  • RISE Startup Conference

  • Team of 18

  • Seed / Funding finalized

  • FinSum Festival Tokyo

  • Singapore Fintech Festival

  • Grand Launch

The Team

“Success is not final, failure is not fatal: it is the courage to continue that counts.”
– Churchill

Cedric Gouliardon
Technology, Telco
CTO/CPO MyRepublic

“You cannot shake hands with a clenched fist.”
– Indira Gandhi

Alp Altun
Transformation & Customer Operations – ASIA, at IAG
Executive General Manager

Request Demo

Company names and logos are trademark of their respective company, and are shown under license.