Innovate Me
AI Systems & Innovation
Start Pilot →
⚡ AI-Powered Business Intelligence — Exclusively for Your Clients

Give every SME client a
Virtual CFO in their pocket.

Innovate Me brings AI-powered financial intelligence to your entire client book — weekly briefings, cashflow alerts, KPI reporting. Delivered under your brand. Revenue comes back to you.

See How It Works View Pricing
81 Accounting-Specific AI Agents
729 Total Virtual Team Members
8 Client Intelligence Packs
~$13k Monthly Margin — 100 Clients
The Process

Three steps. New revenue stream.

You bring the client relationship. We bring the intelligence platform. Your clients get world-class AI-powered insight — and you earn margin on every subscription.

1
Accountant partner

You Sign Up as Partner

Innovate Me joins as a T4H Channel Partner. You get your own branded dashboard, access to all 8 intelligence packs, and a white-label portal. No setup costs. Free for your first 10 clients.

💡

What this means for you

You become the intelligent advisor — your clients see your brand, get your emails, and think of you when they think AI. Not another tech vendor.

2
Assigning client packs

Assign Packs to Clients

You select which Intelligence Pack suits each client — FinanceOS for smaller clients, Cashflow Guard + Virtual CFO for growth-stage businesses. Send a link and they're live in minutes.

✅

Self-serve for clients

Clients take the Pack Intake Quiz and self-qualify. No manual onboarding from you required. You just collect the margin.

3
AI running weekly reports

AI Runs Weekly for Every Client

Every Monday, your 81-strong AI accounting team runs briefings for every client. Cashflow reports, KPI summaries, ATO alerts. Delivered automatically. You look great without lifting a finger.

💰

You earn the margin

You set retail pricing, we charge you wholesale. The difference is your recurring monthly revenue. Tracked in your dashboard in real time.

Client Offerings

Intelligence Packs for Every Client

Your clients subscribe to a Pack — you bill them, AI runs it. Each Pack is a recurring weekly intelligence service: financial data in, briefings and reports out. You configure it once. It runs every Monday without you touching it. Typical margin: ~$133/client/month.

📒
FinanceOS Essentials
From $99/mo per client
The baseline every business needs. Auto-categorised transactions, BAS prep support, receipt extraction, and a monthly finance summary. Replaces 2–3 hours of manual bookkeeping work per month.
  • Auto-categorisation of transactions
  • Receipt & invoice extraction
  • BAS prep assistant
  • "Ask your numbers" AI assistant
  • Monthly finance summary
💧
Cashflow Guard
Bundled from $199/mo
Know before you're broke. 30/60/90 day runway views, invoice chasing priority lists, spend-risk alerts before they hit. Weekly cashflow email every Monday morning.
  • 30/60/90 day cash runway
  • Invoice chasing priority list
  • Spend-risk alerts
  • Weekly cashflow email
📈
Virtual CFO Intelligence
Bundled from $249/mo
CFO-grade visibility without the salary bill. Weekly KPI summaries, margin analysis by product/service, pricing and profitability commentary, and a monthly board pack lite.
  • Weekly KPI summary
  • Margin analysis by product/service
  • Pricing & profitability commentary
  • Board pack lite (monthly)
🛡️
Compliance Ready
Add-on — from $79/mo
ATO-safe always. Continuous compliance monitoring, deadline tracking, and automated alert emails so your clients never miss an obligation.
  • ATO deadline tracker
  • PAYG & super alerts
  • Continuous compliance monitoring
🚀
Growth Advisory AI
Add-on — from $99/mo
Profitability signals and growth opportunities identified weekly. Benchmark comparisons, expansion readiness scores, and revenue optimisation suggestions based on actual financials.
  • Profitability signal detection
  • Benchmark vs. industry
  • Revenue optimisation suggestions
⭐
Complete Business OS
From $499/mo all-in
Finance + Cashflow + CFO + Growth + Compliance. Replaces a part-time bookkeeper ($2k/mo), part-time CFO ($4k/mo), and admin overhead. Your client saves thousands.
  • All 8 packs bundled
  • Quarterly business review
  • Dedicated advisory channel
  • Collections & Admin AI
Your AI Team

81 AI agents. Led by Theo.

WorkFamily AI has deployed a dedicated accounting intelligence team — 81 specialist agents under Theo, your Chief Financial Intelligence Officer. They're part of a 729-strong Neural Ennead deployed across the entire T4H platform. Every Monday, they work through your client book simultaneously.

🧠

What is the Neural Ennead?

The Neural Ennead is a 9×9×9 autonomous agent architecture — 9 specialist families, each containing 9 teams of 9 agents = 729 total. It's not a chatbot. It's a structured organisation of AI workers with defined roles, accountability, and execution patterns. Theo's accounting family of 81 agents covers every aspect of financial intelligence your clients need.

Theo - Lead Agent
Theo
Chief Financial Intelligence Officer · Lead Agent
Orchestrates all 81 accounting agents. Reviews weekly briefing outputs before delivery. Routes anomalies to specialist sub-agents. Your clients' primary AI point of contact for financial matters.
Leads 81 agents · Accounting & Finance Family
Alex
Alex
Tax Intelligence Agent
Monitors ATO obligations, identifies deduction opportunities, prepares BAS-ready summaries, and flags tax risk before it becomes a problem.
Sam
Sam
Cashflow Monitor
Runs 30/60/90 day runway models for every client. Raises alerts before cash pressure hits. Prioritises which invoices to chase first.
Jordan
Jordan
Compliance & BAS Agent
Tracks every compliance deadline across the client book. Generates BAS prep summaries. Sends deadline reminders automatically 4 weeks out.
Priya
Priya
Payroll & Super Intelligence
Monitors payroll obligations, super guarantee deadlines, and STP submissions. Raises anomalies and flags underpayment risk before reporting cycles close.
Morgan
Morgan
P&L Analyst
Runs weekly margin analysis by product and service. Identifies declining profitability lines and surfaces pricing opportunities based on actual transaction data.
Riley
Riley
Audit Readiness Agent
Continuously checks financial records for audit readiness. SHA-256 hashes key documents, identifies gaps, and prepares evidence packs on demand.
Quinn
Quinn
KPI Dashboard Agent
Populates client KPI dashboards weekly. Benchmark business performance against industry peers. Identifies leading indicators of financial stress or growth.
Drew
Drew
Growth Advisory Agent
Identifies growth signals in client data — revenue acceleration, margin expansion opportunities, and pricing room — and packages them into advisory talking points for you.
AI Chat Interface
Talk to Theo directly.

Your accountant portal includes a live chat interface — ask Theo anything about a client's finances. "What's the cashflow runway for client X?" "Are any clients at ATO risk this quarter?" Theo has context on every client in your book.

Tools Available to Agents
✓ Xero / MYOB connect
✓ BASIQ open banking
✓ ATO reporting API
✓ Email briefing send
✓ Document store
✓ SHA-256 audit log
✓ Calendar / deadline
✓ Web search (live)
81

Accounting-specific agents
in Theo's team

729

Total Neural Ennead agents
across all T4H platforms

9×9×9

Hierarchical architecture —
9 families · 81 per family

Partner Pricing

Your revenue model. Your pricing.

📐
How the margin model works: You pay T4H wholesale rates. You set your own retail price for clients. The difference is your recurring margin — tracked in your dashboard monthly. Typical margin: ~$133/client/mo at standard pack pricing.
💰 Revenue Calculator — Your Numbers
Number of clients on the platform
Clients: 100
Average pack tier per client
Pack price: $199/mo
Your markup above wholesale
Margin: 45%
Platform fee (Growth Partner)
$299/mo
Fixed — all 8 packs included
$0
Monthly gross margin
$0
Annual new revenue
$0
Margin per client
Accountant Plan
Partner Starter
$ 0 · 45-day pilot · up to 10 clients
Prove the model before you commit. 10 clients, 3 packs, 45 days. No lock-in, no setup cost.
  • ✓ Branded partner dashboard
  • ✓ 10 client workspaces — send link, they're live
  • ✓ FinanceOS, Cashflow Guard, Virtual CFO
  • ✓ Pack intake quiz — text to any client
  • ✓ Weekly AI briefing emails to each client
  • — White-label domain
  • — Billing & invoicing automation
Your pilot economics: ~$1,330/mo gross margin from 10 clients · $15,960/yr
★ Recommended
Accountant Plan
Growth Partner
$ 299 /mo + wholesale pack costs
Roll across your full client roster. All 8 packs. White-label your brand. Real recurring revenue.
  • ✓ All 8 packs — assign any to any client
  • ✓ White-label: "Innovate Me Business Intelligence"
  • ✓ Custom domain: innovateme.systems
  • ✓ Automated client onboarding — link-based
  • ✓ Weekly AI reports delivered to every client
  • ✓ Margin dashboard — see exactly what you earn
  • ✓ 10% wholesale discount (Growth Partner tier)
100-client economics: ~$13,300/mo gross margin · $159,600/yr new revenue stream
Deployment Options

Cloud or on-premise. Your choice.

Most firms run fully on T4H cloud. For practices with data sovereignty requirements or large client books, the agent stack can be deployed on your own infrastructure — or even run locally, disconnected.

☁️
Cloud — Managed
Included in Partner plan
  • ✓ Zero infrastructure overhead
  • ✓ Auto-updates & backups
  • ✓ Multi-tenant by design
  • ✓ 99.9% SLA — AWS ap-southeast-2
🏢
On-Premise
From $2,500/mo · custom quote
  • ✓ Runs inside your network
  • ✓ Client data never leaves your servers
  • ✓ APRA/data sovereignty ready
  • ✓ T4H managed deployment & updates
💻
Desktop Agent
Available Q3 2026
  • ✓ Runs on your laptop — fully offline
  • ✓ No internet required after setup
  • ✓ Syncs when reconnected
  • ✓ Ideal for remote or secure environments
Yes — a Theo agent can run on your desktop, analyse a client's Xero export, and produce the full briefing pack with no internet connection.
Your Intelligence Layer

The engine is already running.

Factor · Gateway · MRI is the financial intelligence stack powering every Pack. Factor structures your clients' transactions. Gateway connects their bank accounts — ANZ, CBA, Amex and 30+ institutions. MRI turns that data into firm-grade reports. Not a prototype — live now, running real transactions today.

🔐
Accountant Portal
Innovate Me · Live access
 👤
Client Portal
SME workspace · Demo ready
 📁
Document Store
Reports · Evidence · Packs
 📋
Pack Intake Quiz
Client self-qualification
3,450
Transactions processed
250
Registered data sources
121
Reports in portal
85
Report templates live

What your clients actually get

✅
BAS Preparation
Transactions auto-categorised against ATO codes every week. BAS quarters close with a single review — not a week of spreadsheets. Your clients stop dreading it.
🧾
Invoicing & Debtors
Outstanding invoices tracked automatically. Priority chase list generated each Monday. Clients know exactly who owes what and when — without opening Xero.
⏱️
Timesheets & Payroll
Super guarantee deadlines tracked. STP submissions monitored. Payroll anomalies flagged before reporting cycles close — not after the ATO writes to them.
📊
Cashflow & P&L
30/60/90 day runway visible every Monday. Margin by product or service line. A simple summary they can actually read — not a 40-tab Excel file.
🏦

Open Banking Ready (BASIQ)

Clients connect ANZ, CBA, Amex, Bendigo accounts directly. Real-time transaction feeds. No manual CSV uploads. No data entry.

Factor Intelligence Console — Innovate Me · Innovate Me
Reports Available Now
  • BAS Quarterly Summary LIVE
  • P&L Master View LIVE
  • Invoice Register (40 invoices) LIVE
  • RDTI Evidence Pack LIVE
  • SHA256 Transaction Audit LIVE
  • Cashflow 90-Day Runway READY
  • Client KPI Dashboard READY
  • Timesheet & Super Register READY
  • Open Banking Feed (BASIQ) Q2 2026
Your firm is already registered · Pilot expires Jun 2026
Open accountant portal →
Platform Demos & Shared Docs
Tech 4 Humanity — Troy Latter
CFO Brief · Gap Analysis · BAS Pack · RDTI docs
View docs →
Each client below has a document workspace with shared reports and correspondence
Business Intelligence

Portfolio dashboard.

What Innovate Me would see across its entire client book — revenue, cashflow health, compliance risk, and AI activity — in one view.

6 Active clients
$16.4M Combined revenue
$2,050 Monthly margin
18 Active packs
24 Reports generated
2 Compliance alerts
Client Industry 30-Day Runway 60-Day 90-Day Outstanding Invoices Status
Coastal Build Co Construction $187K $142K $68K $34,200 (3 invoices) Healthy
Metro Property Group Property $312K $290K $255K $18,500 (1 invoice) Healthy
Skyline Kitchen & Bath Retail $41K $12K -$8K $67,800 (8 invoices) At Risk
Harbour Legal Group Professional Services $428K $395K $360K $102,400 (12 invoices) Healthy
Northern Fresh Produce Wholesale $94K $58K $22K $88,300 (7 invoices) Watch
Tech 4 Humanity AI R&D $28K $14K $0K $22,797 BAS refund pending Monitor
⚠️
Skyline at 90-day risk
Negative cashflow projected by Aug 2026. Chase list has 8 outstanding invoices totalling $67,800. Recommend immediate follow-up.
📈
Harbour Legal strongest
$360K+ runway at 90 days. Margin expanding Q2. Prime candidate for Complete Business OS upgrade.
💡
T4H — BAS refund timing
$22,797 BAS refund pending ATO processing. Runway improves significantly once received. RDTI claim ($238K) provides upside.
Client Workspaces

Your client book.

Six active workspaces — each one a configured, running intelligence environment. Click any client to see their live reports, compliance status, and weekly briefing history.

HR
PARTNER
Innovate Me & Partners
AI Systems & Innovation
$720
margin/mo
5
subscriptions
PILOT
plan tier
Modelled effect on Innovate Me: At 100 clients (~avg book) = $13,300/mo new recurring revenue with zero new staff. Platform scales, your team doesn't.
Partner Dashboard Margin Tracker Client Onboarding
Accountant portal → Dashboard →
CB
LIVE
Coastal Build Co
Construction & Trades · 14 employees
$2.1M
revenue/yr
Healthy
cashflow
3
active packs
✓BAS prepared & lodged Q2 2026
✓PAYG & super current
✓Invoice chase list: 3 outstanding ($34K)
✓Weekly cashflow brief — Mondays
Open workspace →
MP
LIVE
Metro Property Group
Property Management · 6 properties
$4.8M
portfolio
$360K
90d runway
2
active packs
✓Margin by property — weekly
✓vCFO board pack lite — monthly
✓1 outstanding invoice — $18.5K
✓KPI dashboard active
Open workspace →
SK
ACTION
Skyline Kitchen & Bath
Retail · Home Renovation · 4 employees
$890K
revenue/yr
-$8K
90d proj
2
active packs
⚠ Super Q3 overdue — action needed
⚠ 8 invoices outstanding — $67,800
✓BAS prep — automated
✓Cashflow alert pack generated
Open workspace — action required →
HL
LIVE
Harbour Legal Group
Professional Services · 22 staff
$3.2M
revenue/yr
$428K
30d runway
2
active packs
✓Timesheet-to-billing analysis — live
✓Trust account monitoring active
✓All compliance current
✓Board pack lite — Mar 2026 ready
Open workspace →
NF
WATCH
Northern Fresh Produce
Wholesale · Food Distribution · 31 employees
$5.4M
revenue/yr
$22K
90d runway
2
active packs
⚡ Super due 28 Apr — reminder sent
✓Weekly debtor priority list active
✓7 invoices outstanding — $88,300
✓BASIQ open banking — ready to connect
Open workspace →
TL
LIVE · T4H
Tech 4 Humanity — Troy Latter
AI R&D · Complete Business OS · ABN 70 666 271 272
$238K
RDTI claim
$576K
R&D spend
13
R&D projects
✓CFO Brief & Gap Analysis — shared with Andrew
✓BAS Pack Mar 2026 — live, $22,797 refund pending
✓RDTI Evidence Pack — PYV4R3VPW lodged
✓40-invoice register · SHA256 audit trail
Shared docs → Portal →
Platform Demos

5 client demos. Already built. Ready to show.

These are real workspaces — not mockups. Each one has a live pack configuration, sample reports, and a client portal link Innovate Me can walk clients through in a meeting.

CB
Coastal Build Co
Construction · Tradies
LIVE
FinanceOS Cashflow Guard Compliance Ready
$2.1MAnnual revenue
14Employees
✓ BAS prep — auto-categorised
✓ PAYG & super tracker
✓ Invoice chase list weekly
View demo workspace →
MP
Metro Property Group
Property Management
LIVE
Virtual CFO Cashflow Guard
$4.8MPortfolio value
6Properties
✓ 90-day cashflow runway
✓ Margin by property line
✓ Weekly KPI briefing
View demo workspace →
SK
Skyline Kitchen & Bath
Retail · Home Renovation
READY
FinanceOS Growth Advisory
$890KAnnual revenue
4Employees
✓ BAS prep assistance
✓ Profitability signals
✓ "Ask your numbers" AI
View demo workspace →
HL
Harbour Legal Group
Professional Services · Law
LIVE
Virtual CFO Compliance Ready
$3.2MAnnual revenue
22Staff (billable)
✓ Timesheet-to-billing analysis
✓ Trust account monitoring
✓ Board pack lite monthly
View demo workspace →
NF
Northern Fresh Produce
Wholesale · Food Distribution
READY
Cashflow Guard FinanceOS
$5.4MAnnual revenue
31Employees
✓ Weekly debtor priority list
✓ Spend risk alerts
✓ BASIQ open banking ready
View demo workspace →
TL
Tech 4 Humanity
AI Research & Development
LIVE
Complete OS
$238KRDTI claim
13R&D projects
✓ CFO Brief & Gap Analysis (shared)
✓ BAS Pack Mar 2026 (live)
✓ RDTI Evidence Pack + SHA256 audit
✓ 40-invoice register · $576K R&D spend
View shared docs → Client portal →
Each demo is a real configured workspace. Bring a client name to your next meeting — we can build their workspace before the meeting ends.
Get Started

Ready to run the pilot?

The free pilot is 10 clients, 45 days, zero cost. Innovate Me can be activated in the platform. This is a conversation about turning that on.

💬
Talk to Troy at T4H
Troy Latter is the founder of Tech 4 Humanity and the architect of this platform. He's the right person to talk to about onboarding Innovate Me as a launch partner.
troy@tech4humanity.com.au
🏢
Innovate Me team
Innovate Me is already registered in the Factor · Gateway · MRI system with accountant portal access. Existing clients can reach Innovate Me directly.
info@innovateme.systems
Australia
Factor
Gateway
MRI
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Factor · Gateway · MRI briefing active — MAAT deprecated
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I'm briefed on the full Factor · Gateway · MRI stack. Ask me anything — how the systems work, what reports MRI produces, how a client's bank data becomes an RDTI claim, or what replaced MAAT.