Advice Engine is your firm’s in-house investment expert system — configured once, applied consistently, at scale.
Powered by our comprehensive suite of financial modelling engines including tax optimisation, asset allocation, risk modelling, and portfolio management APIs.
What does it give you?
More cases completed in less time
All optimised
All consistent
All good to go
Advice Engine: rules-governed optimisation
Advice Engine is a rules-driven expert system that applies your advice policy to find the best-fit recommendation for each scenario — consistently, every time.
- Optimal recommendations, guided by your configured rules
- Consistent outcomes across teams, cases and channels
- Designed to plug into your journeys via API
Controlled, auditable, quality assured
Built for oversight as well as speed. Decisions are traceable and parameters stay under your control, helping reduce friction in case checking and quality assurance.
- Full traceability of money movements behind each recommendation
- Configurable, auditable parameters aligned to your governance
- Confidence for QA, supervision and consistent file standards
Designed for good customer outcomes
Advice Engine is built to improve client outcomes by acting only when there’s a clear benefit, automatically following your advice rules.
- Recommends change only when it demonstrably improves the client position
- Helps reduce avoidable churn and unnecessary transactions
- Supports consistent outcomes at scale
Efficiency that gives time back
Automate the time-consuming parts of analysis and rework. Your teams spend less time building cases, and more time with clients.
- Removes tasks that typically take hours or days
- Speeds up repeatable work through API-driven reuse
- Frees capacity for higher-value advice conversations
Instant scenario iteration
Change the inputs and re-optimise immediately. It’s built for real conversations — quick comparisons, fast “what if” modelling, and confident decisions.
- Re-optimise instantly when circumstances change
- Compare scenarios side-by-side without rebuilding the case
- Supports both single and joint client scenarios
Holistic, tax-aware optimisation (single and joint)
Portfolio decisions are made with a whole-picture view: risk alignment, wrappers, allowances and tax impacts — including joint optimisation where appropriate.
- Optimises across ISA and pension allowances, cash and new money
- Considers CGT and bond tax implications as part of the solution
- Supports joint efficiency through smart allocation of allowances
Built on our Tax Optimisation, Asset Allocation, and Risk Modelling Engines →
Proven in UK firms
Advice Engine has a track record in UK deployments where it supports meaningful efficiency improvements and standardised advice delivery.
- Used to drive consistency and efficiency at scale
- Supports migration from legacy products to strategic solutions
- Designed for enterprise governance and repeatable rollout
Deliver more advice in less time
Advice Engine lets you deliver the same advice you do now, but much (much) more quickly. So, you can complete more cases in the same amount of time, or spend more time with the clients on each case, without increasing your costs.
With our Advice Engine, the same investment analysis is completed in seconds using your rules, products, and advice process. As an investment platform and investment analysis platform, it applies consistent logic at scale, using AI tools for investment management to automate complex calculations while remaining explainable and controlled.
Preparation time is reduced from days to around an hour, allowing advisers to complete cases in a single client session or reinvest time into higher-value client conversations without increasing operational cost.
The outcome is a faster advice process, a lower cost per case, and greater capacity to grow revenue without adding headcount, all powered by a scalable, API driven advice engine.
Part of our complete financial planning API suite with 12 modelling engines →
Get a demoto under 1.
- Portfolio analysis & restructuring
- Tax-efficient fund allocation
- Advice policy application
- Transaction generation
- Suitability report creation
Case study
Improving the efficiency of Skipton Building Society's advice service
The first iteration of the “Advice Engine” has gone live and is an absolute game changer for Skipton Building Society and our ability to help more customers with their longer term financial goals.
- Jo Barwick
Skipton Building Society
90%
Cases fully automated
90%
Suitability reports 100% automated
30%
STP Origo productivity gain
60%
Reduction in time to prepare advice
80%
Reduction in case checking
Advice Engine
Now integrated into Skipton Building Society's advice journey
How the Advice Engine works as an investment analysis platform
The Focus Advice Engine is a configurable investment analysis platform that delivers consistent, repeatable investment advice using your firm’s rules, products, and processes.
Rather than acting as a black box, the advice engine applies defined logic to client data, producing optimised investment outcomes that are explainable, auditable, and aligned to your advice model.
Configure advice rules within the Advice Engine
The advice engine is configured once using your firm’s advice rules, product universe, and investment preferences.
You define:
- your advice methodology and suitability rules
- approved products, funds, and wrappers
- risk alignment, tax treatment, and cost considerations
This setup creates a consistent foundation for delivering advice at scale, removing variation while retaining full control.
Apply AI investment logic to client data
When a client scenario is submitted, the Advice Engine processes customer data through its optimisation models to generate a mathematically optimised portfolio.
As an AI investment platform, it supports both simple and complex scenarios, including consolidation, rebalancing, and portfolio transitions, while maintaining consistency across every case.
The result is faster, more accurate investment analysis with significantly reduced manual effort.
Generate optimised portfolios using an investment analysis tool
The Advice Engine generates investment recommendations that are repeatable and transparent.
Unlike generic AI tools, this advice engine is a mathematical modeller, ensuring that outputs are:
- consistent across cases
- explainable to advisers, compliance teams, and clients
- aligned to firm-wide investment strategies
This makes it suitable for regulated environments where governance and traceability matter.
Integrate the Advice Engine via API into financial advice software
All data is passed to and from the Advice Engine via a fully documented API layer.
This allows firms to:
- embed the advice engine into existing financial advice software
- integrate with CRMs and client portals
- return outputs directly into advice cases and workflows
As a result, the platform functions as a core set of AI tools for investment management, rather than a standalone system that needs manual handling.
AI tools for investment management at scale
By combining automated investment analysis with firm-controlled logic, the Advice Engine enables advice firms to scale delivery without increasing risk or operational cost.
It supports better investment decisions, faster case completion, and a more consistent client experience, all powered by a robust, API first advice engine.
Advice Engine API access details
The Advice Engine is fully API accessible, allowing it to be integrated directly into your existing financial advice software and technology stack.
You can request access to our developer documentation, which provides a detailed technical overview of how the Advice Engine connects with client relationship management (CRM) and back-office systems, alongside information on the secure, cloud-based hosting environment and how it operates within your wider infrastructure.
The documentation also covers initial configuration, including which values need to be passed into the API, how advice rules and investment logic are applied, and how to interpret the results returned by the investment analysis platform so they can be mapped back to individual advice cases with confidence.
Explore deployment options: ready-made, tailored, or full API integration →
Advice automation with a difference
Advice Engine removes hours of manual processing from each case
- Complex financial advice in a click
- 100% API accessible
- Your in-house expert system
- Single / joint asset sharing control
- Investment priority and sequencing
- Total tax optimisation
It's an expert system, not another decision tree
The Advice Engine is a sophisticated investment modelling service, built using in-house expertise to deliver consistent, explainable investment outcomes.
Sophisticated, repeatable algorithms
Mathematically optimised logic provides a precise and reliable foundation for investment advice.
Tax optimised by design
Investment recommendations are optimised for tax and aligned to your firm’s advice rules and preferences.
Easy to configure, fast to run
A single setup supports rapid execution, delivering consistent, repeatable results across every case.
(in fact, so far it's hours quicker than anything else we've seen).
Advice Engine and Investment Analysis Platform
Our automated advice engine is an investment analysis platform designed to deliver accurate, optimised investment recommendations in seconds. Point-in-time portfolio analysis with tax-aware rebalancing for UK advisers.
This investment analysis platform supports everything from simple portfolio reviews to complex consolidation scenarios. It analyses tax allowances, risk alignment, fund ratings and costs in a single, consistent process, producing mathematically optimised portfolios at scale. API-driven automation that remains explainable and FCA-compliant.
Built for API-first deployment, the Advice Engine can be used as a standalone investment recommendation tool or embedded into wider financial advice software and planning journeys. UK advisory firms can reduce 60-90% of manual work per case, lower cost to serve, and strengthen their investment proposition without losing control or governance.
Perfectly optimised portfolios, presented in seconds.
Advice automation with a difference
It is impossible to get a better outcome under defined rules
Would you like to save 9 hours per case?