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Enterprise Financial Advice Infrastructure
Launch automated advice propositions in weeks, not years.
FCA-authorised platform with APIs, white-label journeys, and regulatory incubation. Trusted by pension schemes, insurers, and digital banks to deliver compliant, scalable financial advice.
FCA Authorised
Regulated & Compliant
99.9%
Uptime SLA
<200ms
Response Time
Enterprise
Scale & Security
Three Ways to Work with AllAdvised
Choose the integration model that fits your timeline, technical capabilities, and regulatory requirements.
APIs & SDKs
Integrate automated advice directly into your existing applications. Our RESTful APIs and SDKs give you full control over the user experience while we handle the regulatory heavy lifting.
- Comprehensive REST APIs with OpenAPI documentation
- SDKs for JavaScript, Python, and .NET
- Webhooks for real-time updates
- 99.99% uptime SLA
- Dedicated technical support
Best For: Firms with internal development teams who want full control over UX
White-Label Advice Journeys
Pre-built, fully compliant advice journeys that you can brand and embed directly into your platform. Customize the look, feel, and user flow without building from scratch.
- Fully responsive, mobile-first design
- Complete branding customization (colors, logos, fonts)
- Pre-built journeys for key scenarios
- Built-in fact-find and suitability processes
- FCA-compliant outputs and documentation
Best For: Firms who need a fast time-to-market with minimal development effort
Regulatory Incubation
Launch your advice proposition under our FCA permissions while you obtain your own authorisation. Full operational infrastructure including advisors, compliance team, and supervision.
- Operate under our existing FCA permissions
- Access to qualified financial advisors
- Complete compliance and supervision framework
- Support through your own FCA application
- Flexible commercial terms
Best For: FinTech startups and firms entering the advice market for the first time
Our Technology Platform
Built on years of regulatory expertise and modern cloud architecture. Everything you need to deliver automated financial advice at scale.
Advice Engine
Our core advice algorithm handles complex calculations including tax optimization, pension projections, and portfolio allocation. Built with 15+ years of regulatory experience and constantly updated for legislative changes.
Capabilities
- Cash flow modeling and retirement projections
- Tax wrapper optimization (ISAs, pensions, GIAs)
- Pension transfer analysis (DB to DC)
- Portfolio construction and rebalancing
- Drawdown strategy optimization
- Risk profiling and suitability assessment
Technical Details
• Real-time calculations via REST API
• Configurable assumptions and parameters
• Audit trail for all recommendations
• Explainable AI principles for transparency
Education Engine
Help consumers understand complex financial concepts before making decisions. Interactive learning modules with progress tracking, quizzes, and achievement badges to boost engagement.
Capabilities
- Bite-sized learning modules on pensions, investments, and retirement
- Interactive quizzes with instant feedback
- Achievement system (badges, levels, progress tracking)
- Personalized content based on user profile
- White-label with full branding control
Use Cases
• Pre-advice education to improve consumer outcomes
• Ongoing member engagement for pension schemes
• Financial wellness programs for employers
Targeted Support
Purpose-built for the FCA's new targeted support framework. Help consumers make at-retirement decisions with FCA-compliant, lower-cost support that sits between guidance and full advice.
Capabilities
- Compliant with FCA targeted support requirements
- Decision trees for common at-retirement scenarios
- Integrated fact-find and simple suitability
- Clear signposting to full advice when needed
- Ready-to-deploy with minimal configuration
Regulatory Note: Fully aligned with FCA CP23/10 framework for targeted support
Enterprise-Grade Technology
Modern architecture designed for scale, security, and reliability. Built for the most demanding financial services environments.
Architecture
- Microservices architecture
- Cloud-native (AWS/Azure)
- Auto-scaling infrastructure
- Multi-region redundancy
Performance
- Sub-200ms API response times
- 99.99% uptime SLA
- Real-time data processing
- CDN-optimized content delivery
Security
- ISO 27001 certified
- SOC 2 Type II compliant
- End-to-end encryption
- Regular penetration testing
Integration
- RESTful APIs with OpenAPI specs
- Webhook support for events
- SSO/SAML authentication
- IP whitelisting available
Data & Analytics
- Real-time dashboards and reporting
- User journey analytics
- Conversion funnel tracking
- Custom reporting via API
DevOps
- Comprehensive API documentation
- Sandbox environment for testing
- CI/CD pipeline for custom builds
- Dedicated technical support
Built for Enterprise Use Cases
From digital banks to pension schemes, our platform powers advice propositions across the financial services industry.
Digital Banks & Challengers
Challenge
Digital banks want to offer wealth management services but lack FCA permissions and in-house advice expertise.
Solution
White-label advice journeys integrated directly into the banking app, operating under AllAdvised's FCA authorization with co-branded experience.
Outcome
- Launched robo-advisor in 8 weeks
- 40% of customers engaged with advice tool
- New revenue stream with minimal overhead
Pension Schemes (Master Trusts & DB Plans)
Challenge
Pension schemes need to support members at retirement but can't afford traditional 1-2-1 advice for all members.
Solution
Targeted support platform for at-retirement decisions, with automatic escalation to full advice for complex cases. Education engine for ongoing member engagement.
Outcome
- 78% of members engaged with pre-retirement support
- 35% reduction in at-retirement advice costs
- Improved member satisfaction scores
Insurers & Wealth Managers
Challenge
Insurers want to launch D2C investment platforms but need end-to-end advice infrastructure.
Solution
Full-stack advice platform via APIs: fact-find, suitability, portfolio construction, and ongoing review. Insurer maintains control of investments and client relationship.
Outcome
- Launched new D2C proposition in 12 weeks
- Scaled to 5,000 advised clients in first year
- Platform fee revenue with no regulatory overhead
FinTech Startups
Challenge
FinTech needs to offer advice but doesn't have FCA authorization and can't wait 12-18 months for permissions.
Solution
Regulatory incubation: Operate under AllAdvised FCA permissions while pursuing own authorization. Full back-office support included.
Outcome
- Live with customers in 6 weeks
- Built user traction while FCA application processed
- Smooth transition to own permissions after 14 months
Regulatory Expertise Built In
Operating with FCA permissions and deep regulatory expertise. Compliance is our core competency, not an afterthought.
Our Permissions
FCA Authorization
AllAdvised Limited
FCA Firm Reference: Pending
Permissions: Advising on Investments, Advising on Pension Transfers
What This Means:
- Full regulatory responsibility and supervision
- Own compliance team and framework
- Regular FCA engagement and reporting
- Consumer protection via FSCS
Compliance Team:
- Experienced compliance officers
- Qualified financial advisors on staff
- Ongoing regulatory monitoring
- Annual compliance attestation
Your Benefits
Faster Time to Market
No need to wait for FCA authorization - leverage our existing permissions to launch quickly.
Lower Cost
Avoid the fixed costs of compliance team, supervision, and regulatory infrastructure.
Regulatory Confidence
Our team handles technical compliance requirements, file reviews, and regulatory reporting.
Future-Proof
We monitor regulatory changes and update platform automatically - no surprises.
Certifications & Standards
FCA Authorized
ISO 27001
SOC 2 Type II
Cyber Essentials Plus
GDPR Compliant
FSCS Protected
Simple Onboarding, Fast Deployment
From initial conversation to production launch in as little as 8 weeks.
1
Discovery
Week 1-2
Activities:
- Understand your objectives and timeline
- Review technical requirements
- Discuss integration approach
- Agree commercial terms
Deliverable
Project plan and integration specification
2
Setup & Integration
Week 3-6
Activities:
- Provision sandbox environment
- API credentials and documentation
- Technical integration support
- Brand customization (white-label)
Deliverable
Working integration in sandbox
3
Testing & Compliance
Week 7
Activities:
- User acceptance testing
- Compliance file review
- Security audit
- Final customizations
Deliverable
Production-ready platform
4
Launch & Support
Week 8+
Activities:
- Production deployment
- User onboarding and training
- Go-live support
- Ongoing optimization
Deliverable
Live advice proposition
Timeline varies based on integration complexity and internal approvals. API-only integrations can be live in 4-6 weeks. Regulatory incubation projects typically launch within 6-8 weeks.