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
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
Case study
Improving the efficiency of Skipton Building Society's advice service
Jo Barwick
Skipton Building Society
Cases fully automated
Reduction in time to prepare advice
Suitability reports 100% automated
Reduction in case checking
STP Origo productivity gain
Advice Engine
Now integrated into Skipton Building Society's advice journey
RECOGNISED AS MARKET-LEADING
The Advice Engine was named Best in Show at Empowering Advice Through Technology (EATT) 2024 — recognised as market-leading by the Financial Technology Research Centre.
How the Advice Engine works
The Focus Advice Engine delivers consistent, repeatable investment advice using your firm's rules, products, and processes. It applies defined logic to client data, producing optimised outcomes that are explainable, auditable, and aligned to your advice model.
Configure your advice rules
Set up once with your advice methodology, approved products, risk alignment, and tax treatment. This creates a consistent foundation for every case.
Apply optimisation logic to client data
Submit a client scenario and the engine processes it through its models — supporting consolidation, rebalancing, and portfolio transitions with minimal manual effort.
Generate optimised portfolios
Outputs are repeatable, transparent, and aligned to firm-wide strategies — suitable for regulated environments where traceability matters.
Integrate via API
Embed into existing software, CRMs, and client portals through a fully documented API layer.
API access: Explore our developer documentation for configuration, API usage, and interpreting results. See deployment options.
Advice Engine process
From 9 hours to under 1.
The same advice, the same firm rules, the same auditability, but the manual hours that sit between the client conversation and the suitability report compress into seconds.
Complex manual process, away from client
Completed in seconds
All steps automated
using your rules
Advice has been produced using your rules.
The remaining steps are estimated to take half an hour.
Manual
~9 hours
More time may be lost waiting
for client appointments etc.
Advice Engine
~1 hour
Completed in one session
with an engaged client
Deliver more advice in less time
Deliver the same advice you do now, but much (much) more quickly. Preparation time drops from days to around an hour, so advisers can complete cases in a single session or reinvest that time into higher-value client conversations.
The result: faster case completion, lower cost per case, and capacity to grow revenue without adding headcount. Part of our complete financial planning API suite with 12 modelling engines.
API accessible tools
Advice Engine and Investment Analysis Platform
Accurate, optimised investment recommendations in seconds. The Advice Engine handles everything from simple portfolio reviews to complex consolidation scenarios, analysing tax allowances, risk alignment, fund ratings, and costs in a single process to produce mathematically optimised portfolios. Explainable, auditable, and FCA-compliant.
Deploy standalone or embed into your existing planning journeys via API. UK advisory firms typically reduce 60-90% of manual work per case, lower their cost to serve, and strengthen their investment proposition, without sacrificing control or governance.
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. So far it's hours quicker than anything else we've seen.
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.
PROVEN IN PRODUCTION
Twenty-two months live. Zero case errors.
The Advice Engine has been running live in adviser hands for nearly two years. Every case it has produced has passed compliance review without a correction or rerun — the difference between automated advice and rules-driven advice you can trust to run unattended.
22 months
Continuous live operation
0
Case errors since go-live
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?