Hybrid Advice

Human wisdom powered by cutting-edge technology   

Custom Builds

Blend adviser expertise with powerful technology to unlock new levels of efficiency, expand your reach and boost profitability. A hybrid advice model can help you meet the evolving needs of your clients and grow your business. 

 

Let us take care of the tech so you can take care of your customers

Hybrid advice powered by robust technology has multiple benefits  

  • It allows advisers more time to spend with their clients   
  • Helps you attract, engage and retain customers 
  • Solves the inefficiencies of disparate tech and slow processes  

Combine the best of in-person advice with  

  • Intuitive, easy-to-use solutions 
  • Powered by the best asset model in the business
  • That harness the efficiency of AI
  • Ensure compliance
  • And are configurable and flexible   
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What it means for your customers 

A personalised financial journey, with seamless engagement to empower their future.  

  • Purpose built financial pathways that evolve with their lives  
  • Intuitive digital tools to simplify complex decisions  
  • Meaningful human connections at key decision points  
  • Thorough support from initial consultation to long-term planning  

What it means for you 

Four new benefits become possible 

  • Unlock new segments – serve clients across all wealth levels with solutions that adapt to their needs and preferences.  
  • Greater efficiency – a single data structure gives the same information to your customers and your internal teams   
  • Higher customer engagement – your customers get their desired balance of digital and human advice, across all life stages 
  • Regulation-ready for tomorrow’s market – when new mandates come, you’ll be ahead of the market and ready for changes.   
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A highly experienced delivery team 

We have an exceptionally strong delivery team that’s worked closely with numerous enterprise financial institutions. They listen carefully and work closely with partners through consultation, planning, integration and execution phases.

The team includes in-house advisers and actuaries who understand how to apply the right processes and methodologies to deliver the best solution.

Peace of mind delivered

Our technology keeps you aligned with a shifting regulatory regime so you can avoid fines and maintain brand reputation.

Expect complete transparency for easy auditing, streamlines compliance processes – and ensures customer suitability. 

We are also fully ISO 27001 accredited, for that extra piece of mind. 

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Most powerful technology in the market

We’re leaders in stochastic modelling and we keep our asset model fit for purpose by running 10,000 economic simulations. This means we can assess the extremes in more detail in order to quality check our model. 

Consistency is guaranteed 

Your customers achieve the same results whether via an adviser or self-serving.  When transitioning through our solutions, no data is lost.   

  • Switch backwards and forwards between tools with same data.   
  • Designed to fit within an ecosystem of existing applications  
  • Accessible via APIs – you can design your own customer and colleague experiences 

Designed to be easy to use  

Our financial planning technology is intuitive for customers and advisers because we work hard at good UX.  Expect clean, focused interfaces, plain language and financial data shown in a way that’s engaging and easy to interpret.  

For customers, financial tasks turn into manageable steps with progress indicators, real-time feedback and nudges to encourage action. Live financial plans guide them from their very first question to the moment they achieve their goals. 

Human-centred AI

We design AI features to enhance human capabilities, not replace them. It solves real user problems, providing clear, explainable outputs, greater transparency and opportunities for feedback or intervention.  

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The fastest stochastic technology on the market

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Answer customer questions in seconds, such as:

  • What lifestyle can I get in retirement?  
  • How much do I need to save to meet my financial goals?  
  • How does investing compare to saving in cash?  
  • What happens if I delay saving?  
  • What happens if I start saving more now?  

Live financial plans guide a customer from their very first question to the moment they achieve their goals:  

  • Show customers multiple ways to work towards the future they want   
  • Simplify their journey into steps with progress indicators and real-time feedback  
  • Nudge ongoing-advice customers if they go off track  

Our asset model is the best in the business

Our asset model has had 20 years of continual development and cashflow calculations include the risk profile of the investments, ensuring sequencing risk and market volatility.

We calculate 10,000 scenarios to show the range of potential results, which means we’re better equipped than the competition to understand the fund landscape – and explain what it means for customers. 

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You’re in safe hands

Our proven technology is trusted by leading financial institutions to deliver compliant, consistent advice at scale. 

As well as powering good guidance and advice for decades, we give advice ourselves via an authorised subsidiary. We understand your challenges and have enabled companies to fulfil FCA recommendations before competitor firms.  

Get in touch

Talk to one of our experts about the hybrid service you want to offer and to discuss how we could partner with you.   

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