Robo advice driven by algorithmic routines has captured the imagination of the wealth management industry, as the latest announcement by Decimal shows. But ASIC has sought to temper the development of automated advice by imposing conditions on Financial Services industry participants to have a Responsible Person overseeing the provision of advice and managing the technology (see ASIC's CP254 and draft Regulatory Guide). This recognises that conflicts  of interest can still happen and embedding conflicts into the code supporting algorithms may endanger consumer's interests. Fully automated decisioning and advice may not be possible in Australia. Will consumers have to make do with tools & calculators bearing a "robo advice" label?