UK Toolkit 2025 Report

TOOLKIT REPORT SERIES

United Kingdom

Toolkit 2025

Page 26

A collection of industry perspectives Insights into the technology themes and tools that support and enhance the delivery of modern wealth management.

CX insights Client Experience

Explore how the UK wealth management sector is reimagining CX to focus on engagement, trust, and service.

Eight Featured solution showcases

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Leading wealth management focused technologies WealthTech Innovation

This report showcases eight technology solutions of relevance to the wealth management industry in the United Kingdom.

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Copyright © The Wealth Mosaic 2025

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UK TOOLKIT 2025

Contents United Kingdom Toolkit 2025

This report examines the shape of wealth management in the UK today, and how leaders in the market are tackling the challenges of new technology, a changing client demographic, and how to stand out in an increasingly crowded field.

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Introduction

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Industry perspectives

Welcome and background to the UK Toolkit 2025.

A collection of viewpoints on key Industry challenges and opportunities.

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Data insights

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Reimagining CX

Insight into key themes and trends in the UK wealth management sector.

Explore how the UK wealth management sector is reimagining client experience.

Topic The first part of each Showcase is the Topic. Each contributor establishes a Topic, introduces it, highlights its relevance to wealth management, and explains why a wealth management business should consider it for their business.

Solution The second part of each Showcase is the Solution. The Solution is designed to support the Topic, with each contributor tasked with highlighting how their Solution delivers on the Topic. This includes elements such as its features and functions, use cases and other relevant elements of their offering.

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Showcases Eight showcases relevant to the business needs of the UK wealth management industry

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Showcase #1

Showcase #2

The Purple Fabric Gen-AI platform

The wealth manager toolkit

Build and deploy scalable, goal-driven AI agents for wealth management.

Equipping the modern wealth manager.

Contributed by Intellect AI

Contributed by ERI

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Showcase #3

Showcase #4

Wealth without friction: Unlocking next-gen advisory through intelligent automation.

How the back office has changed from cost centre to competitive advantage.

Contributed by additiv

Contributed by Objectway

Intelligent automation

Back office efficiency

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Showcase #5

Showcase #6

Future-proof portfolio management Unifying data for smarter, scalable investment operations.

Contributed by FA Solutions

AI adoption Empowering wealth managers with intelligent, personalised, and scalable AI solutions.

Contributed by WealthObjects

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Showcase #7

Showcase #8

Digitise family office operation Automate workflows and deliver real-time insights for lasting impact.

Contributed by Altoo

Mastering alternatives Power and precision for private market investments.

Contributed by QPLIX

UK Toolkit 2025

Our aim with this report — as with all our Toolkit Reports — is to bring together a range of relevant, insightful, and thought-provoking opinions from across the wealth management sector.

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We hope you enjoy exploring how WealthTech innovators are reshaping client relationships, driving productivity, and building trust in a rapidly changing digital landscape — where innovation, credibility, and purposeful storytelling define the future of wealth management.

Editor's Letter

W

elcome to our 2025 UK toolkit from The Wealth Mosaic. In this report — our first toolkit to focus on a specific geographic market — you will find a portrait of a wealth management sector in the grip of rapid change.

Once a conservative and traditional industry, it is now being reshaped by forces including digitalisation, demographic change, and rising client expectations.

Once a supporting act, technology is becoming the central narrative and a key differentiator in an increasingly crowded field. Firms are confronting the same challenges across the sector.

How do they modernise without losing the trust and human touch that underpin the value of personal advice in wealth management? How do they maintain profitability amid rising costs and margin compression? How do they meet the expectations of the emerging class of younger, digital-native clients?

This Toolkit gathers perspectives from across the UK sector with answers to these questions.

Our industry perspectives provide insights on the better marketing of wealth management providers, lessons from the US turnkey asset management programme, and the best strategy behind technology spend. And finally, with client experience increasingly a key differentiator for wealth management firms, we've gathered together a trio of insights from our client experience roundtable held in London earlier this year.

It also contains a set of eight solution provider showcases, designed to give readers an insight into the specific technology and capabilities of the firms featured in this technology report.

This section provides an overview of a selection of solutions available on the marketplace today, revealing the technology, tools, and providers available today to meet the needs of wealth management professionals.

We hope you find this report useful, and that it sparks further discussion, debate, and understanding in the world of UK wealth management. We encourage you to use this report and the insights it contains as a key resource for your own journey of innovation, as you find your own solutions to thechallenges it describes.

As ever with these reports, the UK Toolkit 2025 would not be possible without the support of our expert contributors who have worked with us over the past few months to create the product you are now reading. Their insights, experience, and expertise have been instrumental in shaping this publication.

We continue to be excited about the future of wealth management in the UK, and we look forward to our ongoing exchanges and interactions with the wealth management community in this thriving market.

Stephen Wall Founder

The Wealth Mosaic

INTRODUCTION

United Kingdom Toolkit 2025

Welcome to the UK Toolkit 2025

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The UK wealth management sector is evolving faster than at any point in its history. Once defined by personal relationships, a consistent set of products and services, and traditional models of delivery and advice, it now faces shifting client expectations, global market change, and technological reinvention.

In this, the third in our Toolkit Report Series and the first to focus on a specific geographic market, we’ve gathered perspectives from across the UK wealth management sector to explore different dimensions of this transformation. We explore topics from the digitalisation of advisory services to the rise of WealthTech, the lessons of international markets, and the promise of intelligent automation.

What we’ve found is an industry where adaptation is the price of relevance.

The industry’s investment in technology has grown dramatically over the past decade, nearly tripling as firms recognise that digital capability is no longer optional. As shown in detailed studies conducted by our contributors, greater technology spend correlates directly with improved productivity and higher revenue per adviser.

Across the UK, wealth management has shown remarkable resilience. Yet this success conceals a growing challenge: profitability is under strain and scalability remains elusive. Firms are being pressed to do more with less — to increase productivity, attract and retain clients, and deliver seamless service while margins tighten.

We also consider the new generation of digital-native, mobile, and globally connected clients. They want advice that is personal yet data-driven, accessible yet discreet, and available through the channel of their choice. In this environment, WealthTech providers are redefining what wealth platforms can do, combining AI, analytics, and automation to deliver hyperpersonalised strategies at scale.

New technology is at the heart of all these discussions.

Once a predominantly back office consideration, it’s now a front-line driver of competitiveness. And this is not to forget the back office itself, which has now moved from a cost centre to a source of competitive advantage.

But the question is not simply one of spending more.

It is about spending wisely — aligning technology with strategy, culture, and client experience. Artificial intelligence (AI), once treated as a distant prospect, is now a practical tool for enhancing efficiency and insight. Our contributors emphasise that technology must complement, not replace, the human relationships on which trust is built. While we have AI, we don’t yet have AE, or artificial empathy. That is where the human adviser comes in, and where firms have the opportunity to stand out.

In a crowded WealthTech field, this Toolkit shows that the firms that will thrive are those that focus on solving real problems rather than chasing hype. Transparency about how technology works, measurable outcomes backed by data, and collaboration with trusted partners all help to build credibility. Innovation remains essential — but so does the ability to communicate value in human terms.

The transformation underway in the UK does not exist in isolation. Lessons from other markets, particularly the United States, show what may lie ahead. There, the turnkey asset management programme (TAMP) model has grown from a niche concept into a multitrillion-dollar cornerstone of wealth distribution that offers a tantalising glimpse of the future for the UK’s managed portfolio solutions (MPS) market.

The parallels are striking: both have evolved in response to fee pressure, regulatory complexity, and the desire for efficiency, and both are being powered by outsourcing, scalability, and the integration of advanced digital tools. For UK firms, the US experience is a preview of what could follow — rapid growth, consolidation, and a new equilibrium between advice, product, technology, and scale.

Our first UK Toolkit has discovered a sector rich in opportunity but facing fundamental reinvention.

Our contributors don’t see technology, data, and automation as ends in themselves but as tools to enhance client outcomes, improve efficiency, and sustain growth. The wealth management firms that succeed will combine digital agility with human understanding, operational rigour with creativity, and scale with personal relevance.

Report structure We’ve structured this report into industry perspectives and showcases. Each industry perspective offers an perspective on a key theme shaping wealth management in the UK today.

Each showcase, meanwhile, is intended to focus on a specific topic, plus a solution entry which then highlights the firm's supporting technology offering.

Both together should educate and inform the reader on an aspect of UK wealth management that they may consider for their business.

Featured in this report are showcases covering: • • • • • • • •

Intelligent automation Digitisation of family office operations A toolkit for the modern wealth manager Future-proofed portfolio management Target operating models Back office efficiency Accessing alternative investments AI adoption

Introducing

Mosaic Magazine We are excited to announce the coming launch of Mosaic, a new magazine from The Wealth Mosaic.

Debuting in Q1 2026, each issue will cover a range of topics from across the global wealth management landscape, whether focused on business, technology, investment, legal, or any other of the many themes now shaping the sector.

Mosaic will offer participants a variety of ways to position, inform and engage our global audience on their business, solutions, knowledge, perspectives, and people. Whether you want to launch a product, profile a leader, highlight an initiative, position on a theme, enter a new market, or more, Mosaic is a flexible and responsive channel sitting alongside our website publishing and more detailed report model to support your ongoing needs.

Mosaic will feature specific focus themes, geographies, and market segments within each issue.

For inquiries, please reach out to our sales team via office@thewealthmosaic.com.

We are here to help you navigate the best thought leadership and advertising options for your business.

Discover Mosaic, the premier bi-monthly magazine from The Wealth Mosaic, tailored for professionals operating within the global wealth management sector.

Editorial Series

Toolkit Reports 2025

The Toolkit Report Series covers thematic, geography and wealth manager segment-focused reports, each tasked with delving into the topics and supporting technologies of relevance to help wealth managers of all types better understand how they should bring technology into their business and in which areas.

Reports coming soon:

Future View Toolkit 2025

US RIA Toolkit 2025

Thematic

Segment

Q4 2025

Q4 2025

This report will look at the technologies that will support wealth managers in future proofing their businesses.

Regardless of positioning on the infrastructure map, each participant vendor needs to highlight why and how their topic and solution is relevant.

The US Registered Investment Adviser market plays a significant role in the wider US wealth management sector, with a wide range of technologies built to support its needs. This Toolkit will showcase a range of topics and solutions focused on the needs of the US RIA market.

>

Read more

>

Read more

Interested in featuring in our Toolkit reports?

Get in touch to discover more details and secure your place. >

Get in touch

www.thewealthmosaic.com FEATURED REPORT

CX in

WEALTH Showcasing the application of CX in wealth management >

Read Now

SCENE SETTER

Data Insights Welcome to our Data Insights section. This is designed to provide a curated collection of relevant insights and data points, sourced from reputable third parties, to illustrate the state of wealth management in the UK. The section serves as a foundation for understanding key trends, challenges, and opportunities, offering valuable perspectives for industry professionals operating in this thriving market.

With a significant local wealth market to access and service, combined with substantial offshore wealth managed in the UK from around the world, the result is a large UK wealth management sector, characterised by high client numbers and assets under management, and a thriving ecosystem of both firms and employees.

It also benefits from access to London’s deep bench of banking and supporting professional industries that service both local and overseas-based wealth.

Below, we profile the market in more detail.

Market size According to the UBS Global Wealth Report 2025, the UK is home to 3.8 percent of total global private wealth. That puts it alongside Germany, and ahead of India and France, though far behind the United States with 35 percent and China with 20 percent. In total, the UBS report counts 2,624,000 high-net-worth individuals (HNWIs) with more than US$1 million in assets in the UK. Total private wealth (including pension wealth) in the UK (actually Great Britain — therefore, excluding Northern Ireland) stood at £13.57 trillion (US$18.38 trillion) by the end of March 2022, according to the Office of National Statistics (ONS)’ January 2025 survey ‘Total Wealth: Wealth in Great Britain’.

ONS data for the same period also breaks down the wealth held by those in Great Britain as follows: •

Median household wealth in Great Britain was £293,700 (US$397,900).

•

The wealthiest 10% of households had household wealth of £1.2 million (US$1.6 million) or more, while the least wealthy 10 percent had £16,500 (US$22,350) or less.

•

Median household wealth varied by region, with the largest difference seen between the South East with £489,800 (US$663,000) and the North East with £179,900 (US$243,600).

The major prize is managing the £1.92 trillion in UK financial wealth.

Property wealth (net): £5.46 trillion (40%) Pension wealth: £4.81 trillion (35%) Financial wealth (net): £1.92 trillion (14%) Physical wealth : £1.39 trillion (10%) Source: Office for National Statistics For most of the UK wealth management industry, particularly those local market brands that do not operate outside of the UK, the major prize is managing some of that £1.92 trillion (US$2.6 trillion) in financial wealth. Some firms might also target the UK’s physical wealth, which the ONS defines as the “value of household contents, possessions and valuables owned, such as antiques, artworks, collections and any vehicles owned by individuals”.

But the two biggest pieces of the pie by far — property wealth and pension wealth — tend to be harder to access, depending on their origin and structure. This is especially true for mass market wealth clients below the high net worth (HNW) and ultra-high net worth (UHNW) segments.

According to Boston Consulting Group’s Global Wealth Report 2025, the UK is home to another US$1 trillion in private wealth from overseas-based clients, thanks to London’s leading role as an international financial centre. This makes it the fifth-largest crossborder wealth booking centre after Switzerland, Hong Kong, Singapore, and the United States. Largely, this wealth is managed within private banks, family offices, and other internationally-oriented brands that service HNW and UHNW clients.

In conclusion, the industry has several trillion in private wealth to go for. But how successful has it been in accessing these pots of private wealth? The data is again somewhat hard to access, but it is clear that the industry does not reach too far into these asset pools, as topics like the advice gap illustrate.

United Kingdom Toolkit 2025

Figure 1: Total wealth in the United Kingdom

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Wealth management is a core part of the United Kingdom’s financial services sector. It reflects the UK’s traditional economic strength, a huge factor in wealth creation, and the global reach of London as one of the world’s leading international financial centres.

A 2022 L.E.K. Consulting research paper, UK Wealth Management: Spotlight on Value Creation, suggested that the UK wealth management sector managed around £2 trillion (US$2.7 trillion) in personal liquid investable financial assets held by UK households in 2020, plus a further £1.9 trillion (US$2.57 trillion) from within defined benefit pension liabilities.

United Kingdom Toolkit 2025

Of that total figure, L.E.K suggested around £1.2 trillion (US$1.62 trillion) was managed by what it called ‘the advisory community’, which consists of financial advisers (the largest proportion), discretionary wealth managers, and private banks.

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Although a hard number to confirm, the £1.2 trillion figure above is very similar to the £1.3 trillion (US$1.76 trillion) in assets cited by the now-closed Compeer research business in its 2023 UK wealth management industry annual research report.

In an Industry Perspective contained later in this 2025 Toolkit, you will find data from Compeer’s successor firm BWC Benchmarking that shows UK wealth management firms and execution-only stockbrokers today manage and administer more than £1.5 trillion (US$2.03 trillion) of private client assets. As BWC Benchmarking CEO James Brown describes, these firms generated £10.34 trillion (US$13.97 billion) of revenue — a new record, and a year-on-year rise of £440 million (US$594 million).

These numbers show that the number of assets captured by the industry is far short of its total opportunity. Self-directed assets, pension assets, insurance schemes, property wealth, and physical wealth often remain outside of the sector’s reach.

UK wealth management firms and execution-only stockbrokers today manage and administer more than £1.5 trillion (US$2.03 trillion) of private client assets.

Market structure

There is no dominant player, but rather a broad set of choices for clients.

Table 1: UK Wealth Manager Market Map: Seven main groups

Type

Example Firms

Private Client Investment Managers (PCIM)

Evelyn Partners, Rathbones, Canaccord Wealth, Charles Stanley, LGT Wealth Management

Independent Financial Advisers (IFAs)

St. James's Place, True Potential, The Openwork Partnership, Ascot Lloyd Financial Services, Mattioli Woods

Asset managers (with wealth accounts)

Shard Capital, Artemis Investment Management, JO Hambro Capital Markets, CCLA, Parmenion

UK private banks or global wealth management firms

UBS, JP Morgan Private Bank, Citi Private Bank, Coutts, C. Hoare & Co

Others (which include firm types such as online investment platforms, Channel Island trust companies, brokerages, investment consultants, pensions and consolidators)

AJ Bell, Attivo, Nutmeg, Moneyfarm, Hargreaves Lansdown

Family office

AlTi Tiedeman, Bedrock, Capital Generation Partners, Floreat, J. Stern & Co.

UK retail banks

Barclays, Lloyds, NatWest, Santander, Metro Bank

Source: The Wealth Mosaic, 2025

United Kingdom Toolkit 2025

Here, we identify by type the seven main groups gathered in our UK Wealth Manager Market Map. These are listed in the table below in descending order by the number of firms we have identified in each group (excluding family offices, since the identification of single-family offices is hard to achieve).

Due to the convergence of business models, a lot of firms in the market will now fit under multiple business models. The top three — in particular, PCIMs, IFAs and asset managers — increasingly overlap.

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The UK wealth management sector which looks to service this wealth, is both diverse and highly fragmented. There is no dominant player, but rather a broad set of choices for clients by brand, business model, offering, and location.

FEATURED

Market topics The UK wealth management sector’s shape, size and approach to market are being shaped by a broad range of topics today. Below, we highlight some of the leading topics that we see of relevance.

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Regulation and compliance

The advice gap

Technology and digital transformation Page 21

Consolidation and M&A

The client

Products and services Page 22

TOPIC 01

Regulation and compliance

Consumer Duty: places greater emphasis on value for money, transparency, and protecting vulnerable clients, and requires increased reporting on fees, costs, ESG disclosures, and suitability.

FCA Principles for Businesses (PRIN): require that firms act with integrity, treat customers fairly, and manage conflicts of interest.

Senior Managers & Certification Regime (SM&CR): places accountability on senior leaders for conduct, governance, and risk.

Conduct of Business Sourcebook (COBS): covers the day-to-day rules for advisers and wealth managers, including suitability assessments for investments, disclosure of costs, charges, and risks, restrictions on inducements and commissions, and best execution obligations when executing client trades.

MiFID II (UK post-Brexit version): contains crucial obligations including client categorisation, detailed transaction reporting, research unbundling, and product governance rules.

ESG & sustainability disclosure obligations: require firms to disclose sustainability-related risks and opportunities; specific rules include the Sustainability Disclosure Requirements (SDR) and an antigreenwashing rule.

Client Assets (CASS): provide specific requirements for holding and safeguarding client money and custody assets.

United Kingdom Toolkit 2025

Here are some of the main regulatory areas and topics covering the operations and behaviours of the industry.

Data protection & cybersecurity obligations: include complying with UK GDPR and the Data Protection Act 2018, the protection of sensitive financial and personal client data, and reporting data breaches promptly to the Information Commissioner’s Office.

Compensation & complaints rules: require each firm to be a member of the Financial Services Compensation Scheme (FSCS) and the Financial Ombudsman Service (FOS) for client protection.

Looking forward, there are further changes coming to the regulatory frameworks. Areas which are emerging for the industry include: •

further updates to the SDR and ESG rules , including ongoing disclosure requirements;

•

review of the Consumer Duty framework to streamline disclosures and reduce complexity;

•

the Leeds Reforms, which aim to boost retail investment and ease capital market rules; and

•

free pension and savings guidance to help savers engage with pension and investment decisions.

Anti-Money Laundering and financial crime regulations: require wealth managers to carry out Know Your Customer and Customer Due Diligence processes, including ongoing monitoring, while they are also obliged to report suspicious activity under the Proceeds of Crime Act (POCA) and comply with UK sanctions regimes.

The ‘burden’ of regulation is also a key driver in the next highlighted topic, given the heightened cost of compliance.

Prudential & capital requirements: including the Investment Firms Prudential Regime (IFPR), which covers some wealth managers depending on their classification; this rule also includes capital adequacy, liquidity, risk management, and governance requirements.

Compared to the historic norm, the industry now faces a far higher regulatory burden than ever.

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As a part of the financial services landscape, the UK wealth management sector is increasingly highly regulated, primarily by the Financial Conduct Authority (FCA), but with additional obligations driven

by UK law and international standards. Compared to the historic norm, the industry now faces a far higher regulatory burden than ever.

TOPIC 02

United Kingdom Toolkit 2025

Consolidation and M&A

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The UK wealth management sector is now in full consolidation mode. Mergers and acquisitions (M&A) are in full swing. This is a theme that started several decades back, according to the recent ‘Consolidation mode in Wealth Management’ report, authored by FoxRed Insight and Solve Partners, and sponsored by SEI. The report finds there have been a total of 767 transactions from 2018 to the end of the first quarter of 2025, with a significant uptick taking place from 2021.

It also cited a 5.6 percent reduction between 2023 and 2024 in the number of firms authorised by the FCA to give advice, with the overall number dropping by 11.3 percent since 2022, a possible effect of consolidation.

The fragmented nature of the market, particularly at its smaller end, plus the increasing cost of staying competitive (compliance, people, technology, etc.), is a perfect storm for consolidation and M&A. Add in the potential to access businesses with solid recurring revenues, and the industry is highly attractive to both internal and external investors.

As such, money is changing hands at a significant rate. According to Boston Consulting Group, a total of 67 M&A transactions worth £8.4 billion (US$11.4 billion) completed in 2024. Meanwhile, the FoxRed Insight / Solve Partners / SEI study found that 77 percent of its respondent firms intended to acquire in 2025, showing the market is not done yet.

Further, valuations are rising. Research from NextWealth found that the cost of acquiring firms has doubled since 2021, increasing from x3-6 EBITDA in 2021 to x6-12 in 2024.

The market is also increasingly competitive. Existing market participants are buying up their competitors and peers, sometimes with the backing of investors and private equity.

A growing number of private equity-based consolidators are also active in the market, and foreign entrants are buying up UK businesses to expand their global footprint, capabilities, and client profile.

Major consolidators include: • • • • • • • • •

Amber River Fairstone HFMC Perspective Sandringham Partners Söderberg & Partners Titan Wealth Verso Wren Sterling

Significant M&A deals include: •

Evelyn Partners, formed via the merger of Smith & Williamson and Tilney.

•

Brewin Dolphin being acquired by Royal Bank of Canada.

•

Kingswood Group and Mattioli Woods merging (backed by Pollen Street Capital).

•

London & Capital acquiring Waverton.

•

Rathbones acquiring Investment.

•

Stonehage Fleming and Stanhope Capital being acquired by Corient.

•

Raymond James buying Charles Stanley.

Investec

Wealth

&

The market is also increasingly competitive.

Existing market participants are buying up their competitors and peers.

TOPIC 03

Put in numbers: •

There are around 39 million adults in the UK who have some investable assets but do not take any form of regulated financial advice.

•

Meanwhile, according to the 2024 FCA Financial Lives survey, only 8.6 to 9 percent of UK adults received regulated financial advice in the 12 months to May 2024.

The advice gap is particularly evident among the massaffluent who have the investable assets to engage, but feel advice is too expensive or only relevant to HNW and UHNW investors. This challenge is exacerbated on the wealth management side, where firms see these lower-value clients as unprofitable to serve and often raise their minimums to focus on higher-value clients.

Regulatory efforts are continuing to open the market to more mass-affluent and lower-value clients, and the arrival of more digital investing platforms like Moneybox, Moneyfarm, Nutmeg, and Wealthify (alongside similar incumbent propositions) has chipped away ever so slightly at the advice gap.

But the truth remains that it remains a problem of enormous significance for the industry.

Regulatory efforts are continuing to open the market to more mass-affluent and lower-value clients.

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The advice gap is a major topic for the UK financial services sector, including the wealth management market. It represents both a significant opportunity and a formidable challenge. The FCA defines the advice gap as a situation where consumers want advice but cannot access it on affordable or appropriate terms.

People either want or need advice, but cannot access it, perhaps because of the cost, or lack of accessibility or awareness.

United Kingdom Toolkit 2025

The advice gap

TOPIC 04

United Kingdom Toolkit 2025

The client Clients are the lifeblood of the industry, but the focus has been heavily on the traditional client segments of mass-affluent, HNW and UHNW. That is changing. Alongside wealth levels, factors such as gender, ethnicity, age, origin of wealth, preferences, and interests, will all dictate how wealth managers approach, engage, service, and retain clients moving forward.

Areas to look out for in terms of the client include: •

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•

•

The mass-affluent: Defined as those individuals with between £50,000 and £5 million (US$68,000 and US$6.8 million) in investable assets: there were an estimated 13.1 million such individuals at the end of 2022, with this number expected to grow to 14.3 million by the end of 2026, according to GlobalData. The research firm also forecasts that the liquid assets of this group will increase from £2.6 trillion to £3 trillion (US$3.52 trillion to US$4.07 trillion) in the same time frame.

Female wealth: Despite a clear gender gap still in wealth today, there is increasing data suggesting that women will control much more in the near future. According to research from the Centre for Economic and Business Research, women are expected to hold 60 percent of the UK’s wealth by the end of this year. Much of this will have been inherited from their deceased spouses.

Wealth transfer: In the UK, according to the Wealth-X report, ‘Preservation and Succession: Family Wealth Transfer 2021’, up to £7 trillion (US$9.49 trillion) will pass between generations by 2030. Given the high percentage of inheritors that are expected to change advisers, there is likely to be significant churn across the industry as clients move money from one relationship to another.

The evolution in the shape of the client market will necessitate a change in multiple areas.

•

Entrepreneurs and other specialist segments: how clients make their money has evolved, with technology entrepreneurs, diverse sports and media figures, social media influencers, and holders of property portfolios, all becoming a bigger part of the client base.

The evolution in the shape of the client market will necessitate a change in multiple areas, including: •

products and services, with increased focus on elements like ESG and values-based investing;

•

the recruitment of younger and more digitallysavvy advisers; and

•

investment in technology to give investors digital-first experiences.

TOPIC 05

There are a wide range of reasons to bring technology further and deeper into the UK wealth management business model. These include: •

Efficiency — streamlining processes, adding automation, cutting the cost (and risk) of manual intervention.

•

Adviser enablement — making advisers’ work easier, quicker, more efficient, less manual and repetitive, giving them time to focus on highervalue tasks.

•

Client engagement — giving clients more ways to engage, when and how they want, presenting the business and offering in more ways, and allowing them a broader role in the management of their wealth and the process behind it.

•

Compliance — ensuring compliance with a wider range of regulations, ensuring information and processes are clear, accessible and repeatable, reducing the risk to the business.

•

Product and services — allowing the businesses, should the need arise, to deliver a wider and more complex set of products and services, supporting distribution, management, and reporting.

•

Revenue growth — supporting firms through the management of more clients, the enablement of more products and services, and more flexible pricing models, to generate more revenue while also keeping a lid on costs.

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Technology across the industry will deliver fundamental change. Whether that is in efficiency, reach, enabling new services, upskilling staff, or more, the potential for technology in an increasingly complex industry is huge.

United Kingdom Toolkit 2025

Technology and digital transformation

TOPIC 06

United Kingdom Toolkit 2025

Products and services The marketplace of offerings has radically expanded within the financial wealth area. But for clients, there is still a heavy emphasis on traditional asset classes and products for the majority of their wealth. Exposure to more exotic investments remains largely the realm of HNWIs, and UHNWIs even more so.

As of today, UK private wealth is primarily held as follows: •

Around 20 to 25 percent of liquid household assets are in cash equivalents.

•

Equities account for roughly 30 to 35 percent of liquid investable wealth, typically accessed directly, through mutual funds and ETFs.

•

Around 10 to 15 percent of liquid assets are invested in bonds.

•

Property often forms the largest single asset class in total net wealth, especially among HNW individuals.

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•

A large proportion of UK wealth is in pensions.

•

Alternatives are far more prevalent in UHNW asset allocations, typically accounting for around 25 percent to 30 percent.

Although the client base is somewhat conservative today, this is changing: client demands, together with industry need and development, are evolving the investment product mix. Clients are looking for more ETFs, ESG, and crypto opportunities, while the industry is looking to democratise access to a range of alternative investments such as private equity, venture capital, real estate, structured products, infrastructure, commodities, and private credit.

Finally, the service landscape is evolving too.

Financial planning has moved to the fore and is increasingly evident in banking and investment management-led firm types — such as PCIMs, asset managers, and private banks.

Broader service offerings, such as trust and estate support, philanthropy, family business services, and corporate finance, are more evident today in different business types than they have historically been.

No doubt this expansion of the product and service mix will continue as firms seek to expand into new markets, segments and opportunities, increase their revenue opportunity, and further their stickiness with clients from generation to generation.

Client demands, mixed with industry need and development, are evolving the investment product mix.

The UK wealth management sector stands at a crossroads — one defined by both scale and transformation. As one of the largest wealth markets globally, it commands trillions in domestic and offshore assets, supported by London’s unique position as a global financial centre. But despite its size and maturity, the industry faces profound structural and strategic challenges; the firms that best answer these challenges are the ones that will succeed in the years to come.

Technology will be the decisive enabler of this new era. From automation and digital onboarding to data analytics and AI-driven insight, digital transformation is redefining how advisers serve clients, how clients interact with their wealth, and how firms drive performance and resilience. Those that invest strategically in technology will be best positioned to expand access, improve efficiency, and close the longstanding advice gap that still leaves millions without professional guidance.

The data paints a picture of opportunity tempered by fragmentation. Despite the vast pools of private wealth within the UK, only a fraction is managed through professional wealth channels. Much remains locked in property, pensions, and self-directed assets, leaving enormous potential for firms that can reach these untapped markets efficiently and responsibly.

Bridging this divide will require innovation — not only in technology, but also in client engagement, pricing models, and service accessibility.

Equally, the shape of the client base is changing. The rise of female wealth, generational transfers, and the growth of the mass-affluent segment all demand a more inclusive, data-driven, and flexible approach.

Successful firms will not only respond to these shifts but anticipate them — designing propositions that are both personalised and scalable.

At the same time, the sector continues to navigate intensifying regulatory scrutiny and rising compliance costs, compelling firms to modernise their processes and their data infrastructure. This pressure has accelerated consolidation of smaller firms, as scale becomes critical for both profitability and compliance viability. The result is a rapidly concentrating market — one still highly diverse in structure, but increasingly dominated by firms that combine efficiency with clientcentric innovation.

UK wealth management remains in robust shape, but its future will depend on reinvention. Firms that embrace change, invest wisely, and stay clientfocused will define the next chapter of this vital and evolving market.

23

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Conculsion

United Kingdom Toolkit 2025

DATA INSIGHTS

Research collection

WealthTech Insight Papers This research colleciton is part of The Wealth Mosaic’s WealthTech Insight Series (WTIS), an ongoing research process, mixing online surveys and interviews, and focused exclusively on technology in the wealth management sector across the world.

Playbook for technology spend

Playbook for productivity and growth

This WealthTech Insight paper looks at the past, present, and future of technology spend and transformation in the UK wealth management sector.

This WealthTech Insight paper examines productivity and growth initiatives within wealth management. It also identifies the role that technology plays in the success of both.

>

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Interested in creating or participating in research?

Get in touch to discover more details and research opportunties. >

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European playbook for growth Navigate the evolving financial landscape in Europe and capitalise on emerging opportunities. >

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26

INDUSTRY

Perspectives In this section, we present a set of insights from three thought leaders in the UK wealth management space, offering industry perspectives on WealthTech innovation, strategic IT investment, and how professionals in this space can tell a clear story that helps them to stand out from the crowd.

Despite years of resilience and record-breaking growth, traditional wealth management firms have often lagged behind in adopting new technologies.

That trend is changing rapidly. With IT investment nearly tripling over the past decade, firms are recognising that technology is no longer optional — it is the key to improving productivity, client satisfaction, and profitability. As evidence shows, higher technology spending directly correlates with stronger performance and greater revenue per adviser.

This shift has coincided with a new era of WealthTech innovation. The sector faces mounting disruption driven by generational change, digital expectations, and the rise of artificial intelligence. Younger, globally mobile investors are demanding hyper-personalised, technology-driven experiences, forcing firms to integrate AI, data analytics, and automation into their core operations.

WealthTech providers that can blend human insight with intelligent, data-led systems are poised to lead in this new landscape.

However, as Simon Kingsnorth highlights, technology alone is not enough. In a crowded market of over 100,000 AI tools, differentiation depends on authenticity, transparency, and a clear focus on solving real client problems. The most successful firms will innovate with purpose, demonstrate measurable impact, and build credibility through trusted partnerships and data-driven storytelling.

Together, these articles illustrate how the UK wealth industry is evolving — from cautious tradition to bold, tech-enabled reinvention. We hope you find them illuminating.

01

UK wealth management is now embracing technology

By James Brown Chief Executive Office, BWC Benchmarking

02

Why UK MPS is next after the US TAMP market's explosive growth

By Kendrick Wakeman CFA, WealthTech Strategy Partners

03

WealthTech in 2025: staying ahead in a rapidly-evolving market

By Simon Kingsnorth CEO and Founder, Wealth Marketing Agency SK

Our aim with this report — as with all our Toolkit Reports — is to bring together a range of relevant, insightful, and thoughtprovoking opinions from across the wealth management sector in the UK. Explore how WealthTech innovators are reshaping client relationships, driving productivity, and building trust in a rapidly changing digital landscape — where innovation, credibility, and purposeful storytelling define the future of wealth management.

1 UK wealth management is now embracing technology The UK's wealth management industry is finally embracing technology, and reaping the rewards

The UK wealth management industry has been among the most resilient within financial services in recent years. No matter the market conditions, it continues to grow and set new records. Despite this success, it too often is behind the curve when it comes to embracing new technologies. But with step-increases in spending on IT, and more demand for digital services from highnet-worth investors, could that be about to change?

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Background to the wealth management industry

The change in IT spend As firms look to drive front office productivity, keep client satisfaction at high levels, and boost revenues sufficiently to inflate profit margins, one very noticeable area that they are spending more on is IT. Looking at non-staff costs relating to IT (i.e. technology spend), the wealth management industry has nearly trebled its expenditure in the past 10 years, from £349 million (US$471.6 million) in 2014 to £909 million (US$1.2 billion) in 2024, with notable step increases since the pandemic. This is a catalyst for change in this industry. In 2024 this rise was as high as £175 million (US$236.5 million) compared to the previous year (a 24 percent year on year increase).

UK wealth management firms and execution-only stockbrokers today manage and administer more than £1.5 trillion (US$2.03 trillion) of private client assets. In 2024 these firms generated £10.34 billion (US$13.97 billion) of revenue—a new record, and a year-on-year rise of £440 million (US$594 million).

However, with costs rising for too many firms, pre-tax profit margins have stalled or are slipping, meaning they are failing to achieve scalable results. For example, 22 percent of firms witnessed a reduction in pre-tax profit margin in 2024. More alarmingly, 39 percent of firms were either loss-making or had a pretax profit margin of less than 10 percent for their calendar year results.

We are also seeing substantial movement of assets between firms, as the stickability of end-investors reduces and they are more open to considering their options. Many are splitting their wealth across multiple providers. Evidence of this is that asset outflows among wealth management firms reached an all-time high of £122 billion (US$164.9 billion) in 2024. With inflows also at record levels, this shows a movement of assets between firms, rather than an exodus of assets from the industry.

This rise is not just because the industry is growing.

As a percentage of revenue, this spend has increased from 5.9 percent in 2014 to 8.8 percent in 2024, as firms increase their focus on technology: spending at a greater rate now to achieve a return on investment in years to come.

Figure 2 : Non-staff related IT spend per front office professional 1,000

909

900 800

734

700 555

600 £m

www.thewealthmosaic.com

United Kingdom Toolkit 2025

By James Brown, Chief Executive Officer, BWC Benchmarking

500 400 349

383 382

420 428

602 525

458

300 200 100

The UK wealth management industry has been among the most resilient within financial services in recent years.

0 2014

2015

2016 2017 2018 2019 2020 2021 2022 2023

2024

Source: BWC Benchmarking annual wealth management survey

What next for wealth managers?

Below we review some key front office productivity statistics when grouping the firms by non-staff related IT spend per front office professional. From these results, there is a clear positive correlation between better productivity scores and spending more on technology per front office professional.

For example, those firms spending the most have a greater capacity to take on more clients, with front office staff in the top technology spend bracket managing double the amount of private client assets compared to those in the lowest spend bracket.

Naturally, when front office staff are managing more assets, it translates into greater revenue generation.

Again, there is a more than 100 percent improvement when comparing the highest to the lowest spenders, when reviewing average managed investment revenue per front office professional.

To prove a better return on investment, the final column of figure 2 compares the difference between revenue generated and the spend on technology. For those firms spending more than £75,000 (US$101 million) on non-staff related IT costs for every front office professional, the average difference between revenue and technology cost is as high as £691,000 (US$933,000) for each front office professional. This difference drops to £337,000 (US$455,000) when analysing those firms spending less than £40,000 (US$54,000) per front office professional.

There is already evidence that spending more on technology can have substantial benefits to performance for wealth management firms. It is therefore no surprise that when speaking with these firms, there is an overwhelming agreement that they will continue to invest greater amounts in technology for at least the next five years. It will not be long until we breach the £1 billion (US$1.35 billion) spend mark.

Although the hot conversation topic is the use of AI within wealth management, we are still waiting for the first wealth management firm that will be a trendsetter and fully utilise its capabilities.

With the human touch nature of traditional wealth management services, some firms are more sceptical surrounding the use of AI and the positive impact it can have particularly in the front office. Endinvestors, after all, will continue to seek the support of a human rather than a machine.

But, provided they can have their data aligned accordingly, we expect more firms to utilise AI to drive their back office efficiency, create greater automation in their report production processes, and enhance their customer relationship management (CRM) systems to understand more about existing and prospective clients. All these things can help drive business inflows for years to come.

Spending more on technology can have substantial benefits to performance for wealth management firms.

Figure 3: Non-staff related IT costs (technology spend) per front office professional More than £75k

£40k to £75k

Less than £40k

AVG managed assets per front office professional

£120m

£95m

£58m

AVG managed investment revenue per front office professional

£829k

£599k

£363k

AVG difference between technology spend and Revenue per front office professional

James Brown Chief Executive Officer

BWC Benchmarking £691k

£544k

£337k

Source: BWC Benchmarking annual wealth management survey

United Kingdom Toolkit 2025

So why are firms spending more on technology? One area in which firms can see an almost immediate impact is in the productivity levels within their front office.

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Benefits of spending more on technology

2 Why UK MPS is next after the US TAMP market's explosive growth A preview of the future for UK managed portfolio solutions (MPS) providers

United Kingdom Toolkit 2025

By Kendrick Wakeman, CEO & Co-Founder, WealthTech Strategy Partners

www.thewealthmosaic.com

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The UK wealth management market, and specifically the MPS market, should take a careful look at the history of the US TAMP market. That market has grown from what was a US$50 billion fringe product in 2005 to a well over US$2 trillion mainstay of US wealth management today. When we look at the UK MPS market, we believe that we are looking at the US TAMP market 10 years ago. Adoption is on a rapid rise, albeit still not mainstream, and the adviser model is evolving almost exactly as it did in the US. In short, we believe the UK MPS market will follow the US TAMP market trajectory almost in lockstep, just with a 10-year lag—possibly less, given that the way is already paved. It is very rare that an industry can get such a clear glimpse of the future. And if we are right, it could represent a compelling growth opportunity. The UK should study the US TAMP market to enjoy the growth and avoid the tears as much as possible.

So, here is our primer on the US TAMP market and its growth.

History 1990s–2005: Operating on the fringe Initial adoption by independent advisers; limited market penetration, with assets estimated around US$50 billion– US$70 billion by 2005 (Cerulli Associates, 2006).

2008 financial crisis The notion that advisers are good investors takes a considerable hit. As a result, investment prowess becomes more of a commodity in the eyes of the client, tarnishing an adviser’s main value proposition and pressuring fees.

2010–2015: Search for scale Advisers respond to fee pressure by scaling up their practice to handle more accounts. TAMPs see strong, double-digit growth as advisers look to outsource the more commoditised areas of their business, which now include investment management. The focus shifts to relationship-building and prospecting.TAMP assets under management (AUM) more than double to US$200 billion by 2015 (Tiburon Strategic Advisers, 2016).

2016–2021:Rise of WealthTech The rapid rise in WealthTech enables higher-scale and easier service delivery at TAMPs. Large, tech-enabled platforms emerge as consolidators take advantage of increased scalability and economies of scale. TAMP AUM crosses the US$600 billion threshold by 2021 (Cerulli Associates, 2021).

2023: US$1 trillion in AUM Industry surpasses US$1 trillion in AUM (Deloitte, 2023; McKinsey, 2022) and is still growing at around 15-20 percent per year. Private equity is now solidly involved, and several “mega-players” have emerged.

Some sources currently put the TAMP market at US$23 trillion (Wealth Adviser, 2025; Empaxis, 2025).

Advisers are now looking to further free up time to provide clients with high-value, ancillary services such as estate planning and tax planning. This has led to a whole newwave of outsourcing. Increased adoption of alternatives will also be a growth driver for TAMPs/MPSs.

The industry has been growing at 15-20 percent annually over the last 10 years in the US and we expect that to continue. In the UK, the MPS market has grown 27 percent a year since 2019. We believe that could even accelerate, since it is still just 16 percent of discretionary market share (MoneyMarketing, 2025).

In our view, the first round of growth for TAMPs was about providing service to more clients in the same number of hours. The next round of growth will be about providing more services to more clients in the same number of hours. Advisers are also looking to be more meaningful to their clients beyond just investments.

This means outsourcing what is considered a commodity and focusing on those things that move an adviser closer to the center of their clients’ financial lives.

M&A will create dominant players with broad service offerings. As scale increases, costs will decrease (presumably) and adoption will increase. The consolidating environment, combined with the more predictable cash flows of TAMPs, have attracted a strong interest from private equity. We do not quite see the same thing happening in the UK yet, at least not to the same extent, but it is likely on the horizon.

Key takeaways 1.

The US turnkey asset management programme (TAMP) market, the US equivalent of the UK managed portfolio solutions market (MPS), has grown from a US$50 billion niche product in 2005 to over US$2 trillion today.

2.

All the conditions that sparked that growth are now appearing in the UK.

3.

We expect the UK MPS market to follow the US TAMP market’s growth.

4.

The recent increase of alternative investments in wealth management will accelerate growth further.

Artificial Intelligence Toolkit 2025

Sustained growth

Consolidation and scale

5.

MPS firms and UK wealth management in general have an opportunity to maximise the growth and avoid the pitfalls by studying the US market.

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Further drivers for adviser efficiency To combat fee pressure, advisers have been looking to make their operations more efficient so they can service more clients. Outsourcing investment tasks has allowed registered investment advisers (RIAs) to focus on prospecting and client relationships. Advisers in the US have been taking their maximum number of client relationships from 100 per adviser to 200 per adviser. This trend is starting to wind down in the US but is still in full swing in the UK. However, US advisers are now using a new crop of technology to free up time to scale up more services beyond wealth management, and we expect the UK will follow suit.

Alternative investments We believe that TAMPs will be one of the largest beneficiaries of the recent push to get alternative investments into wealth management. Given the complexity and subtleties of alternative investments, we believe advisers will want to outsource the alternatives portion of their portfolios and TAMPs are already starting to gear up with private asset offerings.

This trend, if realised, has the potential to further drive growth over the next 10-plus years.

Conclusion The US TAMP industry has evolved from a US$50 billion niche in 2005 to a trillion-dollar powerhouse. We believe the UK MPS market is positioned for similar growth, becoming a backbone of UK independent wealth management.

With strong tailwinds in regulation, technology, client preferences, and adviser business models, TAMPs and MPSs are positioned for continued expansion and innovation in the coming decade, particularly in areas like the UK where they are less developed.

Technology convergence Integration of AI-driven digital on-boarding, digital client portals, and advanced compliance monitoring.

Technology that makes the adviser’s life easier makes TAMPs more compelling. What used to be a long, laborious process of client intake, portfolio construction, proposal generation, execution, rebalancing, and ongoing monitoring, is now (mostly) fully automated, with the right tools.

Global expansion We believe the US TAMP model will expand overseas, particularly in areas such as the UK and Australia. We are already starting to see a rapid increase in MPS usage in the UK, although off a much smaller base.

Our thesis is that the UK MPS market will follow the US in lockstep, just 10 years removed. It’s not often that an industry can get such a clear glimpse of the future, so we have high hopes for the UK MPS market.

Kendrick Wakeman, CFA CEO & Co-Founder

WealthTech Strategy Partners

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Future outlook (2025 and beyond)

3 WealthTech in 2025: staying ahead in a rapidly-evolving market Five key strategies to stand out in a crowded field

United Kingdom Toolkit 2025

By Simon Kingsnorth, CEO and Founder of SK

www.thewealthmosaic.com

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The wealth management industry is facing disruption from many angles and at unprecedented pace, driven by generational change, technological breakthroughs, and increasing client demands for a digital-first, personalised experience.

For WealthTech firms aiming to carve out visibility and trust in this environment, it’s not enough to merely communicate product features. The story, as with any successful marketing narrative, must focus on solving real, high-stakes problems with cuttingedge clarity.

The new landscape: next-gen and AI Recent industry intelligence underscores just how fluid the client base has become. A Capgemini survey of millennial millionaires has revealed that half had already relocated their primary tax residence, or plan to, in 2024 to 2025. 81 percent of heirs expect to switch wealth firms within two years of inheritance.

This volatility demonstrates that WealthTech providers must deliver multigenerational solutions that retain next‑gen clients regardless of geography.

They also must communicate clearly the benefits of their recommended strategies to ensure their principal client and family members have a long-term path that every generation buys into.

Technology also drives next-gen behaviours. At a time when AI, blockchain, and other digital solutions are evolving at pace, younger generations are seeking ways to embrace this technology to their advantage.

WealthTech firms should build this technology into their operation as standard. But they should also be able to demonstrate the benefits of technology to their clients and why their own approach is unique and powerful.

WealthTech firms should embrace AI but do so with a purpose. By demonstrating meaningful benefits of AI within their platforms and delivering unique, powerful outcomes, WealthTech firms can significantly improve the conversion rate among all clients, but next-gen clients especially.

Core areas where WealthTechs are using AI to differentiate themselves and deliver value include: Generative AI Deploying GenAI for smarter, more efficient workflows. Improving complex, paper-based or even digital workflows into smooth, joined-up operations.

Hyper-personalisation Thanks to advances in AI, data analytics, and cloud infrastructure, WealthTechs can now deliver customised strategies at scale, meeting the expectations of individual clients across segments. This is not only a ‘wow-factor’ for many clients but is becoming an expectation for next-gen clients especially. Businesses that get this right can demonstrate exceptional value and maximise retention.

Enhanced digital toolsets and intelligent automation Platforms that integrate all client touchpoints— front, middle, back office—to deliver an end-to-end experience will gain significant attention.

Strategic data and AI integration The ability to unify customer relationship management (CRM) data, adviser interactions, behavioural signals, and external insights into actionable ‘next best actions’ marks the difference between digital leaders and laggards. Data is not what matters: instead, personalised, relevant and meaningful insights from that data are the key to success.

Platforms that get this right, such as what is being built at Lightbox Wealth, stand to gain real traction in the space.

Starting a business, even a technology-based one, is now easier than ever. The tools to understand clients’ needs and build solutions are all there for smart entrepreneurs to exploit.

As a result, the WealthTech space is saturated.

However, this presents an opportunity as much as a challenge. A business that truly understands the client, and can demonstrate real outcomes, is the diamond in the rough.

Below are five strategies that, according to the global, wealth-focused marketing agency SK, deliver strong outcomes for wealth businesses.

Position against real pain, not hype There are now over 100,000 AI tools in the world, up from 60,000 in 2024, and this creates challenges.

Innovate to accumulate It is vital to talk to the next generation. This means demonstrating trust and expertise—as has always been the case—but also demonstrating innovation.

Every WealthTech must demonstrate that it is able to: Build something now that improves the current landscape This could be deeper insights, faster outputs, simplified processes, or any other benefits where a client can see tangible results.

Be flexible for both now and the future This means being adaptable to changing needs and a changing landscape. Change is not slowing, so it is essential to build technology and craft an approach that enables your business to embrace these shifts.

Demonstrate a path forward

First, solutions are being demonstrated for every specific niche in the world. Second, consumers are increasingly sceptical: with the excitement wearing off, rational thinking is overtaking the emotional. This means you need to deliver real, tangible benefits.

Without a clear vision—one that is immediately understandable and resonates—how can you be trusted as a long-term partner?

The wealth industry is a complex, multi-layered and regulated space that requires deep experience and careful thinking. Tools that merely, for example, mimic voices through audio patterns, or structure documents more rationally, are not enough.

Sure, you are using AI, but what does that mean?

What kind of AI is it—generative, contextual chat, or deep analysis of data points? Is it your AI, or are you using an API into someone else's? This understanding builds trust and understanding.

To differentiate yourself, consider the specific needs of your audience. Research and understand them in depth. Look for the pain points that are not being solved and are unlikely to be solved quickly: build solutions and marketing campaigns around these to demonstrate that you are the answer to that problem.

33

Be transparent

AI is not a replacement for human judgement – it’s a tool to enhance it.

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Differentiating in a crowded field: how to stand out in the noise

United Kingdom Toolkit 2025

WealthTech firms should embrace AI but do so with a purpose.

Demonstrate credibility This is an always-on message for marketing teams.

Demonstrating trust points is critical. When a consumer is reviewing your business, they will always ask the age-old marketing question, ‘Why should I believe you?’. WealthTech firms must have an answer.

United Kingdom Toolkit 2025

‘Because I’m an expert’ is not enough of an answer.

Many people claim expertise, but expertise alone is not enough. You must showcase your wins, testimonials, case studies, and clients—not only through your owned platforms, such as your website and social media, but also through PR and alongside trusted partners.

Make use of those trusted partners. Although the digital revolution marches on, the wealth industry remains very relationship-focused. Enabling partners to introduce you, or simply add kudos to your reputation, can be a significant boon in building trust. This can be done through commercial partnerships, content plays ("such as podcasts, video, or social media"), product integrations, or co-branded research.

Tell data-driven stories Storytelling is an ancient art, but to a sceptical audience, backing stories up with facts has never been more important.

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If you can cite metrics like onboarding time halved, adviser productivity tripled, or client retention rates doubled—storytelling grounded in numbers is a powerful converter.

Look at ways you can demonstrate the meaningful difference you provide, and lead on these numbers.

Leverage the introducer network LinkedIn is a powerful platform and improving continuously. Use it to: •

Work with your network to get re-posts and engagement with your content, dramatically improving brand awareness and growing your following.

•

Comment on relevant topics and accounts to raise awareness among your target audience where they already congregate.

•

Craft messaging strategies to reach your specific audience with insightful information, deals, and solutions.

•

Consider a LinkedIn newsletter—a format that can gain significant traction and build authority in your space.

•

Play the algorithms through video and animation, building a personality within your network.

•

Use data to understand your audience and content engagement and to customise Microsoft Search Ads to your benefit.

In summary There are many more strategies for differentiation, reach, and conversion. They all fall into one of a few key categories: build authority, innovate, be flexible, utilise your network, and clearly solve problems. If you can build a product and marketing strategy around these goals, you are positioned well for the coming years.

Simon Kingsnorth CEO, SK

United Kingdom Toolkit 2025 www.thewealthmosaic.com

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THE RIGHT SOLUTION?

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Whether you are aiming for faster performance, better client experience, longterm stability, or process precision, we deliver. From custodian bank integrations and automated client reporting to tailored platforms, our solutions are designed to fit your unique needs — with efficiency, quality, and compliance in mind. petaksys.com

Annual Project

WealthTech 2026 WealthTech 2026 will set the scene for the technology focus and investment spend of the global wealth management sector. Formed around a single global thematic report, a research project looking at the market’s focus and plans for the year ahead, and supported by individual events in London and New York, WealthTech 2026 will help to lead, shape and engage the industry in determining the ‘what, where and how’ of wealth technology investment in 2026.

Interested in participating in WealthTech 2026?

Discover more and book a meeting today. >

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The WealthTech 2026 project will deliver: Report

Research

Events

The WealthTech 2026 report will feature contributions from a variety of market participants across the world, each shining a light on an aspect of the business and how, with technology, the industry should focus to deliver growth, innovation, change or other requirements for its business through the year ahead.

Alongside the report, we will also conduct a global research effort to understand the market’s view on where they will focus their technology spend and effort in 2026.

We will present the report and research to the market, and support those with panel discussions and product demos, at dedicated events in the key wealth centres of London and New York. Each event will include 75 delegates.

The highlights of this research will be included in the main WealthTech 2026 report and presented in more detail in one summary report that will be available for free to research respondents and project sponsors/participants.

London: January 27th New York: January 29th

www.thewealthmosaic.com FEATURED REPORT

WealthTech 2024 Showcasing the application of technology in wealth management in 2024. >

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United Kingdom Toolkit 2025

REIMAGINING

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38

Client Experience The UK wealth management industry is entering a decisive phase, where client experience (CX) has become the defining measure of success. Based upon an industry roundtable hosted

by The Wealth Mosaic in London this year, we’ve gathered three focused pieces to explore how the UK wealth management sector is reimagining CX to focus on engagement, trust, and service through technology, strategy, and human connection.

Our opening contributor Unblu reveals how CX has evolved from a soft metric to a strategic differentiator.

Drawing on insights from industry leaders, it shows how digital collaboration tools, secure communication, and personalised journeys are helping firms meet rising expectations — particularly from clients under 55 who demand seamless, mobile-first experiences.

Next, Ian Ewart explores the fusion of AI with human insight. He illustrates how technology can free advisers from administrative burdens, enable deep personalisation, and create new forms of value— while preserving the empathy and trust that define the human relationship.

Finally, Backbase has examined the generational shift reshaping wealth management — offering a new playbook for engaging younger, digitally-native clients by unifying data, streamlining journeys, and blending digital efficiency with personal advice.

We hope you find these insights useful as a roadmap for wealth firms seeking to deliver meaningful, technology-enabled, and human-centred experiences for today’s client base.

01

Re-imagining the client experience in UK wealth management How technology and personalisation are redefining client relationships

By Unblu

02

How Artificial Intelligence and human expertise find synergies in modern wealth management Blending human insight with AI efficiency

By Ian Ewart

03

Rewriting wealth for the under-55s generation A new generation, new expectations, and a new playbook

By Backbase

Held in London earlier this year, the CX Roundtable featured data and insights gathered through Alpha FMC’s UK CX Benchmark study, which demonstrated the rising level of competition around the client experience in the United Kingdom.

Chaired by Ian Ewart, board director at Instinct Digital, and featuring contributions from Unblu, Backbase, and Alpha FMC, the discussion considered ways in which firms can enhance their CX, keep pace with evolving client expectations, and exploit new technologies including artificial intelligence to raise the CX game to a new level.

For our UK Toolkit 2025, three of our contributors to this roundtable have prepared their takeaways from this insightful discussion. We hope you find them useful and enlightening.

1 The Unblu perspective: Re-imagining the client experience in UK wealth management United Kingdom Toolkit 2025

By Paul Driver, Sales Manager UK & Ireland, at Unblu The Client Experience Roundtable in London brought together leading voices from the UK wealth management sector to confront a central challenge: how to redefine the client experience in a market shaped increasingly by generational expectations, digital urgency, and strategic personalisation.

The roundtable provided a crucial perspective into where the industry is heading — and what firms must do to stay ahead.

Client experience as a strategic differentiator

www.thewealthmosaic.com

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A recurring theme throughout the event was how client experience (CX) has grown from a peripheral concern to a board-level imperative. Once dismissed as a ‘soft’ metric, CX is now deeply entwined with regulatory expectations, competitive differentiation, and brand loyalty.

Technology and the resulting CX are now intrinsic elements of the Bank of England’s expectations for operational resilience, outsourcing, and IT, even beyond the well-discussed ramifications for the Consumer Duty.

The firms leading this charge are leveraging realtime insights, appointing dedicated CX roles, and embedding client-centric thinking into enterprise strategy — while also managing to reduce the cost-toserve across the client base.

This shift also means replacing inappropriate or inefficient communication channels like email, which put organisations at risk and harm the customer experience. But it also means enhancing the human connection through secure, collaborative, and intuitive digital interactions, ensuring advisers are better equipped to deliver tailored and impactful experiences at scale.

Client experience (CX) has grown from a peripheral concern to a board-level imperative.

Segmentation and personalisation: the CX frontier The roundtable made clear that the future of CX is personalised, not generic. Wealth managers must move beyond one-size-fits-all service models. Differentiation now lies in dynamic segmentation and contextual relevance. Adaptive service design, too, has a measurable impact on clients' willingness to refer. Achieving this differentiation requires firms to blend behavioural data, client preferences, and life-stage insights into actionable, real-time engagement strategies.

To achieve this evolution, financial institutions need the tools to deliver segmented digital advice journeys that adjust in depth, tone, and timing based on individual client needs. Unblu’s capabilities adapt to the specific context, addressing the unique nuances of individual or group interaction needs. That may mean sparking conversations with an outbound message to a specific client, or broadcasting the same one to many.

You can also maintain long-term, on-off, asynchronous conversations with individuals, or engage in high-touch, real-time collaborations on documents or websites, within wealth portals, or more. It's not just about dashboards — it's about delivering timely, humanised support when it matters most.

Meeting the needs of the under-55 segment

Artificial Intelligence Toolkit 2025

Benchmarking from Alpha FMC, and discussions at the roundtable, highlighted the persistent dissatisfaction of clients under 55 — a group that is poised to drive future growth, yet is often overlooked. This demographic expects seamless, mobile-first, end-to-end digital journeys, not digital bolt-ons. They want to act independently when desired but also expect high-value human advice at key moments.

Serving the under-55s means wealth managers must stop treating digital as an overlay. Instead, digital should be the catalyst — supporting hybrid models where routine tasks are automated, and empowering advisers to engage with greater precision and relevance.

That is why Unblu’s solutions, including Secure Messenger, Co-Browsing, and the AI-Powered Workbench adviser enablement tool, help firms create these frictionless, omnichannel journeys. These offer this key demographic direct, easy access to advisers, mirroring what they receive from leading brands in other industries.

The technology to deliver great CX already exists — but execution is where most firms falter. Legacy systems, internal silos, and cultural inertia remain persistent obstacles. The best firms, as discussed at the event, are moving away from ‘big bang’ projects in favour of modular, scalable improvements with measurable ROI.

The technology to deliver great CX already exists — but execution is where most firms falter.

Unblu echoes this philosophy by helping leading private banks and wealth management firms to provide a first-class digital client experience that reflects the excellence of their traditional service level.

This approach allows private banks and wealth management firms to increase front-office productivity by 25 percent, spend 5 to 10 percent more time with clients, and improve their book of business through positive, AI-driven client experiences.

Finally, a modular integration approach — and partnerships with key wealth management platform providers — mean wealth managers can implement capabilities quickly to scale with confidence.

Unblu is proud to support the wealth management industry in reimagining CX – empowering firms to listen better, act faster, and serve smarter in a digital-first future.

Paul Driver

Paul Driver Sales Manager UK & Ireland

Unblu

www.thewealthmosaic.com

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Execution over aspiration

2 How Artificial Intelligence and human expertise find synergies in modern wealth management United Kingdom Toolkit 2025

By Ian Ewart, Board Director, Advisor FinTech and Financial Services

www.thewealthmosaic.com

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As human expertise increasingly partners with information technology, particularly Artificial Intelligence (AI), wealth managers and private bankers are gaining new abilities to enhance client engagement and optimise operational efficiency. This integration of AI with human expertise is fundamentally transforming the wealth management sector, empowering firms to provide exceptional, replicable, and differentiated client experiences. But even though such experiences have historically been a foundational tenet of private banking, they have proven challenging and costly to deliver consistently.

Service quality remains the preeminent differentiator in private banking: the industry’s core value proposition is that it delivers precisely what clients require, when and where they require it. Clients expect a bespoke experience characterised by personalisation, timeliness, and convenience, tailored to their distinct needs. However, administrative and compliance obligations, which traditionally consume a significant portion of bankers’ time, impede the delivery of consistent, high-touch, and personalised service.

Now, contemporary AI and information technology facilitate the automation of routine, non-engagement tasks, including paperwork, data entry, compliance monitoring, and transaction processing. This augmentation of operational efficiency liberates wealth managers to concentrate on high-value, clientfacing activities, allowing them to foster deeper client relationships and provide truly personalised advice.

AI-powered tools are also adept at analysing substantial volumes of structured and unstructured client data, including financial objectives, risk tolerance, spending patterns, and behavioural tendencies, to construct highly-granular client segments. This micro-segmentation empowers wealth managers to tailor communications, investment strategies, and service delivery to the precise needs and preferences of each client or client cluster, achieving a level of personalisation previously unattainable at scale.

The integration of AI with human expertise is fundamentally transforming the wealth management sector.

For instance, an AI tool can identify a micro-segment of pre-retirees with a preference for environmental, social, and governance (ESG) investments and recreational golf. This enables wealth managers to deliver highlytargeted content, product recommendations, and exclusive event invitations that resonate with that specific group, enhancing client satisfaction, loyalty, and engagement.

AI tools can also provide real-time insights into client portfolios, market dynamics, and potential risks, facilitating proactive and timely advisory services. Virtual assistants and chatbots can manage routine inquiries and receive requests around the clock, ensuring clients receive prompt responses without compromising the quality of service. Such consistency is essential for maintaining client trust and reinforcing a firm’s brand promise, differentiating firms by the reliability and seamlessness of their service delivery.

Technology can empower wealth managers to engage clients across multiple channels, including phone, email, video, mobile applications, and chat platforms, tailored to individual communication preferences.

AI tools can analyse client behaviour to optimise the timing and methodology of outreach, ensuring interactions are relevant and welcomed. This lets clients benefit from anytime, anywhere access to financial information and personalised insights, increasing their engagement and satisfaction.

This synergy of human expertise and advanced technology cultivates differentiated client experiences, aiding firms in distinguishing themselves in a competitive market, and fulfilling the core promise of private banking.

As digital platforms and AI-driven systems proliferate, the lines are blurring between regulated advisory, compliance monitoring, and personalisation. New entrants, equipped with deep data insights and algorithmic reliability, could re-segment the market(s).

These new entrants could offer direct-to-client solutions for tax-optimised planning, inheritance structuring, and financial wellness previously the exclusive domain of private advisors.

As AI and digital platforms become increasingly prevalent, the ability to deliver differentiated client experiences emerges as a critical competitive advantage. Once, language, cultural sensitivity , or source of wealth might have been the prime selection characteristics; now, firms can now tailor their service models by client segment and brand identity, offering a unique value proposition rather than a generic service offering. This differentiation is crucial in a market characterised by similar product offerings and pricing.

Exceptional, technology-enabled service has become the defining factor for attracting and retaining high-networth clients.

If governments or large financial platforms fully harness AI’s capabilities, they could bypass traditional wealth managers entirely, leveraging their authority and automated reach to become the orchestrators of tomorrow’s wealth and succession strategies.

Ian Ewart

Contemporary clients are digitally adept: they demand personalised, seamless, and immediate service experiences. Technology now empowers private banks to meet and surpass these evolving expectations.

Automating administrative tasks can reduce costs and errors, allowing advisers to focus on strategic advice and emotional support — because, despite advances in AI, the human element of intuition, empathy, and trust remains indispensable. AI augments, but does not replace, the personal relationships essential to private banking.

The integration of information technology with AI in wealth management is not merely a technological upgrade but truly a strategic transformation. It empowers firms to deliver the true ethos of personal service at scale. By automating routine tasks and leveraging AI-driven insights, wealth managers can dedicate more time to meaningful client engagement.

Ian Ewart Board Director, Advisor FinTech and Financial Services

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www.thewealthmosaic.com

However, this same technological power poses significant risks for traditional advisors. Intelligent platforms can automate and standardise core wealth planning functions. This in turn allows non-traditional providers, including tax authorities or regulatory bodies, to step directly into the roles once held by private bankers, and redefine the value proposition in wealth succession and management.

United Kingdom Toolkit 2025

Artificial Intelligence presents wealth managers with transformative opportunities to elevate client service, engagement, and operational efficiency through granular micro-segmentation and automation of routine processes. By analysing vast datasets, AI tools can provide highly personalised advice, deliver proactive product recommendations, and ensure consistent multichannel service — capabilities that were previously unattainable at scale.

3 Rewriting wealth for the under-55s generation

United Kingdom Toolkit 2025

By Jamie Whatley, Senior Account Executive at Backbase

www.thewealthmosaic.com

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A new generation, new expectations, and a new playbook

So what needs to change?

•

First, journeys must be rethought end-to-end, not just digitised at the surface. That means going beyond client portals and digital brochures to build real-time, event-driven engagement that empowers clients to take action, while equipping advisors with the tools and data to stay proactive.

•

Second, the platform behind the experience matters. One-off upgrades and siloed tools can’t deliver consistency across onboarding, servicing, and advice. A modern, composable architecture, that orchestrates journeys, unifies data, and embeds intelligence into every step, is now essential, not aspirational.

This group doesn’t view digital as a support channel.

To them, it’s the front door, and often the only one that matters. They expect to onboard seamlessly, manage investments on mobile devices, and access information without needing to call a human. That doesn’t mean human advice isn’t valued. But when they do reach out, they expect it to be for strategic guidance, not operational friction.

•

Finally, this is not about choosing between digital and human. The discussion pointed to a service model that blends digital efficiency with human insight, where technology handles the routine, and advisors step in where they truly add value.

But for under-55s, hybrid needs to start with digital. Advisers add value when the basics are already seamless.

Participants spoke candidly about the gap. Legacy systems, disconnected front and back ends, and admin-heavy processes, continue to block progress.

And although most wealth managers have embarked on digital transformation initiatives, many admitted their existing stacks simply weren’t designed to deliver the kinds of experiences younger clients demand.

Wealth managers looking to win this generation must stop treating digital as an add-on. For younger clients, it is the experience. And for firms that get it right, the payoff isn’t just engagement. It’s long-term loyalty in a market segment that’s only set to grow.

The the Client Experience Roundtable brought to light a striking generational divide. Few expectations are as pressing as those of clients under 55. This segment is no longer ‘emerging’: it’s firmly here, and their digitalfirst mindset is reshaping what ‘good’ looks like in wealth management.

These clients are vocal, fast-moving, and unforgiving when digital experiences fall short. As one participant noted, they don’t just compare their banking apps to competitors. They compare them to the best digital experiences across any industry. And when the journey feels fragmented or outdated, they quickly move on.

Digital-first mindsets are reshaping what ‘good’ looks like in wealth management.

What serving the under-55s really takes Wealth managers who want to win over this segment will need more than upgraded interfaces. Here’s what the new playbook demands: Design journeys, not just apps

United Kingdom Toolkit 2025

Rethink client onboarding and servicing from the ground up. Make it mobile-first, fully digital, and intuitive from day one. Onboarding is no longer a one-time handoff.

It begins during prospecting and should blend digital ease with human-led engagement at key moments.

Deliver self-service with substance Empower clients to act when they want, how they want. Let them manage their wealth without waiting for a call back. That means going beyond balance views to real, transaction-ready functionality that is secure, seamless, and always available.

Give advisors superpowers, not admin Free relationship managers from repetitive tasks and arm them with real-time insights so they can focus on what matters. Digital transformation shouldn’t stop at the client interface. Advisers also need intelligent dashboards, tools to engage prospects and clients, and AI-powered support that saves time and sharpens advice.

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Unify the experience front to back www.thewealthmosaic.com

Break down silos between channels, data, and operations. One platform, one view, one client journey.

Clients don’t differentiate between departments, and neither should your platform. A unified experience ensures faster response times, fewer handoffs, and a consistent journey at every touchpoint.

Make value feel persona Use behavioural data and contextual nudges to deliver more than service. Deliver relevance. Whether it’s a timely insight, a proactive recommendation, or a goalbased alert, small moments of personalisation add up to long-term trust.

Younger clients don’t need more touchpoints. They need fewer, better ones. Deliver that, and you won’t have to chase loyalty.

Jamie Whatley Senior Account Executive

Backbase Wealth managers looking to win this generation must stop treating digital as an add-on.

Jamie Whatley

Event Series

WealthTech Vendor Forum Hosted quarterly, each edition of the Forum delivers a mix of educational and learning opportunities, a consistent mechanism for developing new and existing relationships, a chance to share experiences and engage in business-relevant discussions among peers, and an opportunity to participate in our collective WealthTech vendor community.

Interested in participating in our Forum events?

UK Forum

US Forum

Swiss Forum

22 January 2025

Q1 2026

Q2 2026

The inaugural Forum event of 2026 is scheduled for 22 January from 5 PM to 8:30 PM at the Eight Club Moorgate.

This gathering promises a unique opportunity for technology and related vendors to discuss shared challenges, exchange experiences, and forge meaningful connections.

Our second US WealthTech Vendor Forum will be scheduled for New York in either Q1 or Q2 2026, bringing together a range of WealthTech and related industry participants to learn, share and network around key industry topics.

Our first Swiss WealthTech Vendor Forum will be scheduled for Zurich in Q2 2026, bringing together a range of WealthTech and related industry participants to learn, share and network around key industry topics.

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United Kingdom Toolkit 2025 Featured Showcases

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UK TOOLKIT 2025

SHOWCASES This Showcase section includes eight entries from technology vensors on topics of relevant to the business needs of wealth managers in the UK.

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Showcase #1

Showcase #2

Showcase #3

Build and deploy scalable, goal-driven AI agents for wealth management.

Equipping the Modern Wealth Manager.

Wealth without friction: Unlocking next-gen advisory through intelligent automation.

Purple Fabric gen-AI platform

Contributed by Intellect AI

The wealth manager toolkit

Contributed by ERI

Intelligent automation

Contributed by additiv

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82

88

Showcase #4

Showcase #5

Showcase #6

From cost centre to competitive advantage.

Unifying data for smarter, scalable investment operations.

Contributed by Objectway

Contributed by FA Solutions

Empowering wealth managers with intelligent, personalised, and scalable AI solutions.

Back office efficiency

Future proof portfolio management

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104

Showcase #7

Showcase #8

Automate workflows and deliver real-time insights for lasting impact.

Power and precision for private market investments.

Digitise family office operation

Contributed by Altoo

Mastering alternatives

Contributed by QPLIX

AI adoption

Contributed by WealthObjects

SHOWCASE #1

PURPLE FABRIC GEN-AI PLATFORM Build and deploy scalable, goal-driven AI agents for wealth management Purple Fabric is an enterprise-grade, no-code/low-code agentic AI platform that enables rapid development of digital experts across prospecting, onboarding, servicing, and growth. It transforms complex wealth management workflows into intelligent, compliant, and seamless experiences by integrating enterprise data, selecting the best-fit LLMs through an optimisation layer, and enforcing a robust governance framework to ensure every agent operates with full context, traceability, and efficiency.

Contributed by

United Kingdom Toolkit 2025

www.intellectdesign.com

From prospect to lifelong client, Purple Fabric’s multi-agent AI solutions reduces cycle times, expands adviser capacity, and embeds FCA-ready governance throughout every stage of the wealth management journey.

www.thewealthmosaic.com

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ABOUT INTELLECT AI

IntellectAI, a division of Intellect Design Arena, delivers enterprisegrade agentic AI solutions through its Purple Fabric GenAI platform - transforming financial services operations and customer experiences with secure, explainable digital experts built for real-world business impact.

1 The Purple Fabric gen-AI platform

United Kingdom Toolkit 2025

Agentic AI: re-imagining wealth management from prospect to lifetime value

www.thewealthmosaic.com

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Taraka Prabhu, Head of Purple Fabric Solutions and UK GTM

Although Generative AI captured headlines in 2023, the true inflection point for wealth management lies in agentic AI — a dynamic network of specialised, goaloriented AI agents which can plan, act, and enhance every stage of the client’s wealth journey.

Instead of relying on a single large language model (LLM) to answer queries, firms are now deploying dozens of domain-specific ‘digital experts’. One agent might deliver deep prospect insights, another might streamline suitability letter generation, a third might handle the analysis and resolution of client complaints, while others orchestrate and optimise various touchpoints across the client lifecycle.

Yet, without a unifying architecture, these siloed digital experts can operate with a fragmented context and inconsistent data, limiting their effectiveness and scalability.

A leading enterprise-grade platform, for example, combines a knowledge garden. It seamlessly integrates internal and external data with contextaware digital experts. These experts are in turn empowered by an optimisation hub that allows them to benchmark and leverage the most suitable model for each task, adhering to the triple AI constraints of cost, accuracy, and speed. This entire ecosystem is governed by a robust audit and compliance layer that logs every AI agent action.

The result is a truly cognitive enterprise, where human advisers collaborate with tireless digital counterparts, i.e. AI agents that retain full context, transparently document their reasoning, and significantly enhance the precision, compliance, and scalability of wealth management operations.

Why wealth managers need to act now Margin pressure and scaling expectations Fee compression continues, yet clients still expect concierge-level service. Agentic AI is delivering significant productivity gains in areas such as KYC refreshes, portfolio reviews, and proactive client outreach by deeply augmenting, rather than replacing, human touchpoints.

Regulatory velocity The UK Financial Conduct Authority (FCA)’s Consumer Duty requires firms to deliver and demonstrably prove “good outcomes” for clients.

Agentic AI systems embed explainability, rolebased access, and real-time auditability, allowing every recommendation to be traced back to a clear, documented rationale. This supports compliance with both FCA and GDPR obligations without increasing operational overhead.

Data complexity Firms are sitting on terabytes of unstructured data in the form of PDFs, emails, call transcripts, and more. Without AI, this data remains untapped. An enterprise knowledge garden approach transforms this into context-aware, searchable insight, giving advisers a true 360-degree client view with the help of digital experts and without the swivel-chair friction.

Although Generative AI captured headlines in 2023, the true inflection point for wealth management lies in agentic AI.

Workforce capacity constraints The UK faces a growing mismatch between the number of qualified financial advisers and the rising client base, particularly as demand for advice surges across generational wealth transfers and complex financial needs. Agentic AI acts as a scalable layer of digital support, helping firms do more with limited financial advisers while maintaining the quality of service.

The next-generation client Digital-native heirs are set to inherit over £1 trillion (US$1.35 trillion) of UK wealth this decade. They expect Spotify-style personalisation, real-time responsiveness, and seamless digital engagement.

These expectations can only be met profitably through a mesh of always-on, intelligent AI agents capable of delivering tailored, high-touch experiences at scale.

A cognitive journey from ‘acquire’ to ‘maximise’ The wealth management funnel breaks neatly into four phases, each enriched by specialised agents:

Each micro-journey operates autonomously, yet remains seamlessly connected: when a suitability agent revises a client’s risk score, the advice agent updates the financial plan, the compliance agent logs the change, and the engagement agent prepares the appropriate follow-up.

Figure 4: The wealth management funnel

United Kingdom Toolkit 2025

Phase

www.thewealthmosaic.com

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Acquire

Onboard

High-value moments

Prospect engagement, demographic targeting

Financial planning, KYC, suitability assessments

Example agent outcomes

Intelligent matching agents connect leads with bestfit advisers.

Campaign agents forecast “propensity to buy,” reducing acquisition costs.

Planning agents craft need-based product mixes.

Document ingestion agents accelerate account setup from days to minutes.

Portfolio monitoring agents detect asset drift.

Nurture

Maximise

Ongoing advice, regulatory compliance, client retention

Goal tracking, upsell opportunities, personalised insights

Source: Purple Fabric Solutions

Sentiment analysis agents flag early dissatisfaction.

Churn prediction agents initiate proactive retention strategies.

Propensity agents recommend next-best products.

Nudge agents deliver contextaware prompts to boost engagement and wallet share.

Building trust through human-in-the-loop design For AI agents to be effective, advisers, risk officers, and clients must trust their insights and recommendations. Successful implementations build this trust through transparent reasoning that shows how decisions are reached, confidence thresholds that automatically escalate uncertain cases to human experts, and feedback loops that capture human edits to continuously refine performance.

This approach creates a virtuous cycle: as teams observe consistent alignment, often exceeding 90%, between AI-generated outcomes and expert decisions, initial scepticism transforms into advocacy.This trust foundation becomes the catalyst for rapid expansion, with successful pilots naturally extending across adjacent processes as stakeholders witness tangible improvements in both accuracy and efficiency.

A pragmatic roadmap to cognitive maturity Begin by identifying friction points across the Acquire– Onboard–Nurture–Maximise continuum, and select a focused, data-rich process to prove value early. A boot camp using anonymised cases can demonstrate feasibility; a model office pilot then benchmarks AI performance against historical human outcomes.

This sets the stage for a phased production rollout, with load balancing and performance monitoring added as volumes scale. Tracking improvements in cycle time, adviser capacity, and regulatory outcomes at each stage builds the self-funding narrative that boards expect.

For AI agents to be effective, advisers, risk officers, and clients must trust their insights and recommendations.

Looking ahead: from firm to cognitive enterprise Agentic AI is not just another technology wave. It represents a new operating model that transforms wealth management firms into cognitive enterprises, where AI agents and human experts work as integrated teams rather than separate functions.

These firms will position themselves to capture the next generation of wealth, through seamless orchestration of specialised AI agents that deliver personalised experiences at scale.

Firms that embrace it now will redefine service excellence through continuous learning capabilities that adapt to market changes and client needs in real-time. This in turn will bolster human creativity by removing operational friction and data silos.

The competitive advantage will shift from technology ownership to cognitive orchestration-the ability to blend human judgment with AI capabilities across every client touchpoint. This will turn data into actionable insights and transform every interaction into an opportunity for deeper engagement.

Intellect Design Arena United Kingdom Toolkit 2025

SOLUTION SHOWCASE Intellect Design Arena is a global financial technology leader, offering the world’s largest cloud-native, API-led, microservicesbased products for banking, wealth, insurance, and capital markets.

With over 30 years of domain expertise, Intellect serves 300+ clients across 57 countries, delivering digital transformation through its core businesses: IntellectAI, Global Consumer Banking, and Global Transaction Banking. IntellectAI, the WealthTech and InsurTech arm, provides AI-powered, cloud-native solutions that simplify complex workflows and deliver accurate, explainable outcomes. Combining advanced data insights with design-led innovation, Intellect enables progressive financial institutions to transform client experiences and operations with speed, precision, and confidence.

Solution Showcase

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SOLUTION OVERVIEW

FEATURES & BENEFITS

Purple Fabric is an enterprise-grade agentic AI platform purpose-built for financial services. At its core is a secure Knowledge Garden that unifies structured and unstructured enterprise data into AIready context. It's no-code/low-code Digital Expert Studio enables business users to create and chain specialised agents—such as prospect scorers and compliance checkers—into end-to-end workflows.

Enterprise Knowledge Garden unifies structured and unstructured data into a secure, AI-ready context unlocking insights from previously untapped sources like PDFs, emails, and call transcripts.

The LLM Optimisation Hub benchmarks and selects the most suitable model for each task, avoiding vendor lock-in, while a robust Governance Layer logs every prompt, output, and human override to ensure full FCA and GDPR traceability. Purple Fabric integrates seamlessly with existing systems of records and systems of engagement, embedding AI directly into day-to-day operations and significantly accelerating adoption and time-to-value.

Digital Expert Studio includes pre-built AI agents and “build-your-own” capabilities, enabling teams to create agents that reason and act with humanlike intelligence. No-code orchestration empowers business teams to design and deploy new modular and reusable AI workflows in days, not months.

LLM Optimisation Hub enables benchmarking and selection of the fastest, most cost-effective, and accurate model for each task there by optimising for AI triple constraints - speed, accuracy, and cost.

Enterprise Governance ensures every AI agent runs securely, ethically, and in full compliance. It enforces role-based data access, embeds policydriven regulatory safeguards, and provides step-bystep reasoning with immutable audit logs, satisfying enterprise and regulatory policies.

DISCOVER MORE GET IN TOUCH Taraka Prabhu Head of Purple Fabric Solutions and UK GTM Intellect AI prabhu.taraka@intellectdesign.com

COMPANY Intellect Design Arena

WEBSITE www.intellectdesign.com

USE CASES Purple Fabric powers intelligent prospect management, campaign targeting, demographic analysis, due diligence and financial review in the ‘acquire’ phase.

It augments financial planning, suitability, KYC and account opening in the ‘onboard’ phase.

It drives ongoing advice, regulatory compliance, complaint case-management, relationship correspondence and churn prediction in the ‘nurture’ phase.

It fuels the ‘maximise’ phase with sentiment-listening surveys, contextual nudges, personalised insights, objective tracking, plus upsell & cross-sell propensity, all on one governed platform.

EMAIL info@intellectdesign.com

HQ Level 5, 50 Bank Street, London E14 5NS, United Kingdom

FOUNDED 2011

EMPLOYEES 6,000+

CLIENTS 500+

CLIENT LOCATIONS Africa, Asia, Caribbean, Central America, Eastern Europe, Middle East, North America, Oceania, South America, Western Europe

SHOWCASE #2

THE WEALTH MANAGER TOOLKIT

Equipping the modern wealth manager Private bankers and wealth managers must evolve beyond traditional advisory as clients demand hyper-personalisation, real-time interactions, and transparency. To stay competitive, they need an all-in-one digital platform that integrates datadriven insights, seamless client engagement, and operational excellence into a unified, modernised service model.

Contributed by

United Kingdom Toolkit 2025

www.olympicbankingsystem.com

The digital arsenal is not merely a set of standalone technologies, but a cohesive ecosystem that empowers advisers to deepen relationships, optimise portfolio strategies, and navigate complex regulatory and cross-borders constraints with agility.

The Wealth Manager Toolkit

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ABOUT ERI

More than 400 banks and financial institutions across 60 countries have chosen OLYMPIC Banking System, a fully-integrated, front-toback, parameter-driven digital platform to streamline and automate their business activities across their clients’ lifecycle. Our solutions assist financial institutions in achieving cost and operational efficiency and client satisfaction.

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United Kingdom Toolkit 2025

The wealth manager toolkit

The Wealth Manager Toolkit

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Equipping the modern wealth manager: the essential digital toolbox for enhanced client engagement and augmented operational efficiency

By Adam Kasraoui, Sales Manager at ERI The role of private bankers and wealth managers is continuing a profound transformation. As client expectations shift toward hyper-personalised experiences, real-time interactions, and greater transparency, the traditional toolkit of relationshipdriven advisory is no longer sufficient on its own.

To remain competitive and deliver sustained value, modern wealth managers must embrace a robust platform that also has all the required digital capabilities. This is an all-in-one empowered toolbox, that integrates data-driven insights, seamless client engagement capabilities, and operational excellence.

This digital arsenal is not merely a set of standalone technologies, but a cohesive ecosystem that empowers advisers to deepen relationships, optimise portfolio strategies, and to navigate complex regulatory environments and cross-border constraints with agility. From client-facing portals, and AI-enhanced advisory tools, to automated compliance engines and predictive analytics, the right blend of technology enables a more responsive, informed, and scalable approach to wealth management.

This article explores the full spectrum of tools that constitute a high-performing digital toolkit, providing a strategic roadmap for equipping today’s private bankers with the capabilities necessary to efficiently cater to their clients’ needs.

Client-centric digital interfaces At the heart of a modern wealth manager’s digital toolbox lies a suite of client-centric interfaces designed to enhance engagement, trust, and transparency.

Chief among these are client lifecycle management tools that offer a holistic 360-degree view of the client — aggregating financial data, behavioural patterns, preferences, and life events into a unified profile.

These tools enable more precise segmentation and unlock the ability to deliver highly-personalised recommendations, timely communications, and tailored service experiences.

Complementing these are secure client portals and mobile applications that act as digital extensions of the advisory relationship. These interfaces provide realtime access to portfolio performance, documentation, and communication channels — empowering clients with self-service capabilities while reinforcing a sense of control and connectivity.

By combining intuitive design with robust functionality, client-facing tools have become foundational to building trust and fostering long-term loyalty.

Portfolio management and advisory tools In an era defined by market complexity and heightened client expectations, portfolio management and advisory tools are essential enablers of differentiated service delivery. Hybrid advisory platforms exemplify the new paradigm, where automation enhances efficiency and scale, while human expertise remains central to high-value, relationship-driven advisory.

This hybrid approach allows wealth managers to serve a broader client base while preserving the bespoke nature of traditional portfolio construction.

Scenario analysis and goal-based planning tools further elevate the advisory process, enabling advisers to simulate market events, evaluate outcomes, and align investment strategies with individual client objectives, risk tolerances, and life milestones. As demand for responsible investing continues to surge, ESG integration tools are becoming indispensable.

Collectively, these tools empower wealth managers to deliver more informed, adaptive, and purpose-driven investment advice.

Compliance, risk, and reporting infrastructure As regulatory scrutiny intensifies and risk environments grow more dynamic, a robust compliance and risk management infrastructure has become nonnegotiable for modern wealth management operations.

RegTech solutions play a pivotal role in automating critical functions such as Know Your Customer (KYC) and Anti-Money Laundering (AML) procedures and screenings, streamlining regulatory reporting, and ensuring comprehensive audit trails.

These tools not only reduce operational burdens but also enhance accuracy, consistency, and regulatory alignment, enabling wealth managers to maintain compliance at scale and strengthen client trust. In parallel, sophisticated risk analytics engines provide real-time visibility into portfolio exposures, liquidity risks, and market sensitivities.

Together, these technologies form the backbone of a resilient and compliant advisory framework, one that supports transparency, safeguards client assets, and reinforces institutional trust.

At the heart of a modern wealth manager’s digital toolbox lies a suite of client-centric interfaces designed to enhance engagement, trust, and transparency.

Productivity and collaboration enablers

Data and AI capabilities

To deliver a consistently high-touch service in a scalable manner, wealth managers must rely on tools that optimise productivity and facilitate seamless collaboration. Workflow automation and task management are instrumental in streamlining internal processes, from client onboarding and document verification to compliance reviews and follow-up actions. By reducing manual workloads and minimising process bottlenecks, these tools enhance operational efficiency and free up valuable adviser time for client-facing activities.

In the age of intelligent advisory, data and artificial intelligence (AI) are redefining the way wealth managers anticipate client needs and deliver strategic counsel. Predictive analytics and next-best-action engines leverage a combination of behavioural data, transaction patterns, and market signals to generate timely, context-aware recommendations. These tools empower advisers to proactively engage their clients with relevant advice, identify emerging opportunities, and mitigate potential risks, enhancing both portfolio outcomes and client satisfaction.

Equally critical are secure communication channels that ensure data protection while supporting real-time collaboration. Encrypted messaging and integrated video conferencing tools enable advisers to engage with clients and internal stakeholders in a compliant, seamless, and frictionless manner.

Complementing these insights are AI-driven content and communication tools that automate the generation of personalised updates, performance summaries, and market commentary. This not only ensures consistency and relevance in client communications, but also significantly reduces the time spent on manual content creation.

When embedded directly into advisory workflows, these communication solutions help to maintain the balance between responsiveness and confidentiality.

Collaboration between stakeholders of the same ecosystem is also crucial, to ensure that a consistent customer experience is provided across all channels.

By embedding intelligence into every interaction, data and AI capabilities enable a more responsive, personalised, and scalable approach to relationship management. This positions wealth managers to deliver differentiated value, while ensuring data accuracy by a solid foundational system that collects and processes data to become the single source of truth.

Integration and scalability A truly effective digital toolbox is not defined solely by individual tools, but by how seamlessly those tools work together. Integration and scalability are therefore critical pillars of any modern wealth management technology strategy. Open architecture platforms ensure interoperability between internal systems and third-party providers, enabling wealth managers to build flexible ecosystems tailored to their unique operational and client engagement needs.

United Kingdom Toolkit 2025

This open approach facilitates real-time data flows, reduces silos, and enhances the overall adviser experience by creating a unified digital environment.

Whether integrating new data sources, enhancing digital client channels, or responding to evolving regulatory demands, infrastructures driven by Application Programming Interfaces (APIs) enable rapid innovation without the constraints of legacy systems.

Together, these enablers of integration and scalability lay the foundation for a future-proof tech stack, one that evolves in lockstep with client expectations and market dynamics.

Conclusion 63

In an increasingly complex and competitive wealth management landscape, the deployment of a comprehensive digital toolbox is no longer optional, it is a strategic imperative.

Ultimately, the right combination of tools within an integrated and flexible wealth/investment management system empowers wealth managers to deliver personalised, agile, and compliant advisory services at every stage of the client journey. By covering all essential functions across each touchpoint, from onboarding to personalised investment proposals, such a system enables a seamless and enhanced client experience. Wealth managers benefit from streamlined, automated processes and consistent, readily-available data across the entire value chain.

Adam Kasraoui

www.thewealthmosaic.com

Private bankers and wealth managers can significantly elevate the client experience, while optimising operational performance and minimising risks, by integrating client-centric interfaces, advanced portfolio management solutions, robust compliance infrastructure, productivity enablers, and cutting-edge data and AI capabilities. Furthermore, embracing open architecture ensures that these technologies remain adaptable and scalable, positioning firms for sustainable growth in a dynamic market environment.

In an increasingly complex and competitive wealth management landscape, the deployment of a comprehensive digital toolbox is no longer optional, it is a strategic imperative.

ERI

United Kingdom Toolkit 2025

SOLUTION SHOWCASE ERI is the provider of OLYMPIC Banking System, a fully integrated, real time, front-to-back, parameter-driven technology platform.

Over 400 banks and financial institutions across 60 countries have chosen the platform to streamline, automate and digitise their daily processes. Purpose-built for private banks, wealth managers, the system supports digital transformation through automation, costefficiency, and operational excellence.

OLYMPIC Banking System delivers a complete suite of clientcentric tools, including CRM, client onboarding, regulatory reporting, portfolio management, and digital banking. With experts and offices in global financial hubs, ERI offers end-to-end support and continuous innovation, ensuring future-ready, scalable solutions for a rapidly evolving financial landscape.

Solution Showcase

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SOLUTION OVERVIEW

FEATURES & BENEFITS

OLYMPIC Banking System is a fully integrated, front-to-back, parameter-driven technology platform designed to streamline and digitise operations across the wealth management landscape. Built around a unified, client-centric architecture, it enables firms to manage all financial products and services through a single, integrated system.

OLYMPIC Banking System is a fully integrated and real-time technology platform that empowers wealth managers to streamline and automate operations, enhance service delivery, and drive digital transformation.

Institutions benefit from real-time updates to positions and balances, ensuring accurate, up-to-date data across all business lines. The platform’s flexible, parameter-driven design allows users to customise workflows, products, and accounting logic without coding, making it highly scalable and adaptable to the UK’s evolving regulatory and market environment.

Delivered with a pre-configured best-practice model, OLYMPIC Banking System accelerates implementation while reducing costs. Its comprehensive functionality including digital channels, seamless integration capabilities, and support for straight-throughprocessing make it a future-ready choice for UK wealth managers looking to modernise infrastructure and enhance client engagement. .

The platform’s integrated general ledger, multicurrency support, and 360° client view deliver endto-end control, while real-time and straight-through transaction processing mitigate risks and boost efficiency across all back-office operations. With extensive API capabilities, seamless third-party integration, and embedded task management, OLYMPIC Banking System enables firms to modernise infrastructure without disruption.

Scalable and secure, it supports multi-entity, multilanguage, and multi-time zone operations, making it ideal for UK-based wealth managers seeking a proven, future-ready solution. Through configurable automation and consistent data access, enabling quick and effective decision making, OLYMPIC Banking System helps firms improve compliance, address clients’ specific requirements, and ensure operational efficiency and agility in a competitive and increasingly digital landscape.

DISCOVER MORE GET IN TOUCH Adam Kasraoui Sales Manager ERI adam.kasraoui@ldn-eri.co.uk

COMPANY ERI

WEBSITE www.olympicbankingsystem.com

USE CASES

EMAIL info@olympicbankingsystem.com

Designed for wealth management and private banking, OLYMPIC Banking System supports portfolio and investment management with real-time performance, risk, and valuation analysis across individual and consolidated portfolios. Its fully integrated architecture removes the need for data reconciliation, ensuring accuracy and speed. The system supports discretionary portfolio management, investment advisory services, and multi-asset order handling, enabling UK firms to manage complex, multi-currency global portfolios efficiently and compliantly.

EMPLOYEES 101-500

CLIENTS 101-500

CLIENT TYPE EAMs, Bank Wealth Managers, Financial Advisers, Trust & Fiduciary, Digital Wealth Platforms, FinTech/ WealthTechs (B2B), Investment Managers, Fund Managers

CLIENT LOCATIONS Africa, Asia, Caribbean, Central America, Eastern Europe, Middle East, North America, Oceania, South America, Western Europe

SHOWCASE #3

INTELLIGENT

AUTOMATION

Wealth without friction: Unlocking next-gen advisory through intelligent automation How intelligent automation is transforming wealth management by removing friction, enhancing personalisation, and scaling advice delivery.

Contributed by

United Kingdom Toolkit 2025

www.additiv.com

Automation is no longer just a way to cut costs. It’s a way to unlock value for clients, for advisers, and for the business.

www.thewealthmosaic.com

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ABOUT ADDITIV

additiv’s single platform brings together AI-driven automation, domain business logic, and embedded compliance — enabling financial services to innovate faster, scale distribution, and remove costs, all without replacing existing systems.

3 Intelligent automation

United Kingdom Toolkit 2025

Wealth without friction: Unlocking next-gen advisory through intelligent automation

www.thewealthmosaic.com

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By Vlad Magereanu, Head Architect and Yann Kudelski, Head of Strategy and Business Development at additiv The wealth management industry is facing rising demand from digitally-native clients who expect advice that is personal, immediate, and accessible across every channel. Yet many providers remain weighed down by manual processes, legacy systems, and disjointed operations that make delivering on these expectations difficult, if not impossible.

At the same time, competition is heating up. Digital-first challengers and platform-based players are reshaping how financial products are offered, consumed, and experienced. In this context, maintaining the status quo is not just inefficient, it’s risky.

This is where intelligent automation, powered by AI, comes into play. But it’s important to draw a distinction. Automation is often misunderstood as simply speeding up existing workflows. True intelligent automation, however, is about rethinking those workflows entirely. It means redesigning the way value is delivered, embedding intelligence, removing friction, and building systems that are adaptive by design.

With AI embedded across advisory journeys — from onboarding and suitability to portfolio rebalancing and personalised nudges — automation can become a lever for transformation, not just efficiency.

Why wealth managers should care The wealth management industry has long operated on a foundation of human expertise, bespoke service, and strong relationships. That’s not going away. But the way these qualities are delivered must evolve to meet modern expectations.

Clients today want control and transparency. They want access to real-time insights and the ability to engage on their own terms — be that through a relationship manager, a digital interface, or both. They also want journeys that are intuitive, fast, and personalised.

This puts enormous pressure on legacy processes.

Many firms still rely on fragmented back-office systems and heavily-manual compliance checks.

This legacy drag consumes time, introduces errors, and stifles scalability. AI-enabled intelligent automation addresses this operational drag.

By layering AI agents across front, mid, and back-office processes, financial institutions can reduce manual workloads, streamline compliance, and accelerate journeys, without overhauling their core systems.

And this matters. In many markets, a significant portion of the population remains underserved. In the UK alone, over 8.4 million adults have more than £10,000 (US$13,400) in savings but no access to financial advice for reasons including high fees, lack of availability, or limited digital options. This ‘advice gap’ is both a challenge and an opportunity. Intelligent automation makes it possible to serve these clients at scale, offering tailored guidance without the cost burden of traditional models.

However, automation must go beyond digitising what's already been done. That approach often fails.

In fact, studies suggest up to 70% of automation initiatives underperform when focused purely on replication. The real opportunity lies in redesigning the operating model and rethinking the journeys themselves, not just the steps within them.

This requires a shift in mindset: from automation as a back-office fix, to intelligent orchestration as a frontto-back strategy for delivering better client outcomes.

It means embedding intelligence at every stage, from product selection to portfolio monitoring and creating experiences that are responsive, datadriven, and continuous.

This is the essence of radical automation: combining AI, business logic, and orchestration, to remove friction, scale access, and deliver hyper-personalised experiences — efficiently and at pace.

The firms that succeed won’t be those that adopt automation as a tool. They’ll be the ones that embrace it as a lens for transformation.

United Kingdom Toolkit 2025

What automation makes possible With intelligent automation, the advisory experience becomes more dynamic, more responsive, and more client-centric.

This starts at onboarding. What was once a multiweek, form-heavy process can now be completed in minutes. Automated risk profiling, identity verification, and regulatory checks streamline compliance while improving user experience. Client preferences, investment goals, ESG considerations, and risk tolerance can be captured interactively and embedded into portfolio recommendations in real time.

Behind the scenes, this is powered by a coordinated system of AI agents, each specialisng in distinct tasks.

These agents intelligently select the most appropriate models—be it NLP, machine learning, or generative AI—to deliver efficient and personalised outcomes.

Crucially, all actions remain within a framework of human oversight, ensuring accuracy, compliance, and trust throughout the advisory journey.

Once onboarded, clients can engage however they choose. Some will prefer full digital journeys. Others will want human interaction. Many will want a hybrid.

Automation enables all these modes to co-exist and, critically, to stay synchronised. Clients and advisers can view and act on the same real-time portfolio data, collaborate through shared dashboards, and adjust strategies based on live insights.

With intelligent automation, the advisory experience becomes more dynamic, more responsive, and more client-centric.

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www.thewealthmosaic.com

Just as importantly, automation unlocks scalability.

Traditionally, personalised wealth services have been reserved for the affluent few. But with the right orchestration, firms can now extend relevant, compliant, and contextual advice across all segments from entry-level investors to high-net-worth clients.

On the compliance side, automation simplifies complexity. Suitability checks, disclosures, and periodic reviews can all be embedded into workflows rather than treated as separate steps. This not only reduces risk but also ensures a more seamless experience for both clients and advisors.

Perhaps most powerful among the possibilities of automation is the ability to deliver personalisation at scale. With AIdriven orchestration, firms can move from reactive advice to proactive, context-aware engagement. They can send timely nudges, like rebalancing alerts or milestone updates, based on real-time behavioural and market signals, not quarterly reports.

Examples of this shift are already visible in the market. Institutions are building platforms that automate onboarding and profiling endto-end, enabling hybrid servicing models that reach thousands of clients without increasing advisor headcount. Others are deploying mass-affluent offerings built on straightthrough processing, making personalised wealth accessible to broader segments and driving significant growth in assets under management (AUM).

All of this signals a new direction for the industry. Automation is no longer just a way to cut costs. It’s a way to unlock value for clients, for advisers, and for the business.

Automation isn't about replacing advisers. It's about empowering them. It's not about eliminating human interaction. It's about making it count. And it's not about deploying tech for tech's sake.

It's about embedding intelligence where it drives real value.

Automation is not about replacing advisers.

It’s about empowering them. It’s not about eliminating human interaction. It’s about making it count. And it’s not about deploying tech for tech’s sake. It’s about embedding intelligence where it drives real value.

This is where intelligent orchestration becomes critical — bringing together AI, business logic, and real-time data, to enable smarter, faster, and more personalised client journeys. When processes are coordinated end-to-end, not just digitised, firms can reduce friction, scale effectively, and continuously evolve their services without ripping out existing infrastructure.

For firms willing to rethink how their services are designed and delivered, the opportunity is significant: stronger client relationships, lower operational costs, faster time to market, and new revenue streams unlocked through expanded reach.

Wealth management doesn’t need to be complex or exclusive. Remove the friction, embed intelligence, unlock access, and reimagine the experience with radical automation at its core.

Vlad Magereanu & Yann Kudelski

CLIENT EXPERIENCE TOOLKIT

The next phase of digital wealth will be shaped by firms that can deliver relevant advice, at scale, without adding complexity.

Radical automation, powered by embedded intelligence and real-time orchestration, provides the foundation for this shift.

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www.thewealthmosaic.com

The opportunity ahead

additiv

United Kingdom Toolkit 2025

SOLUTION SHOWCASE

Solution Showcase www.thewealthmosaic.com

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additiv partners with the world’s most ambitious companies to accelerate financial innovation and time to market, without replacing existing systems. Its API-first Digital Financial Services Platform streamlines business logic and orchestrates data flows, embedding AI across processes to power automation, personalization, and smarter decision-making in wealth, insurance, credit and banking.

By removing the limitations of legacy infrastructure, institutions can rapidly build, launch, and scale new products and business models— across any channel, for any client journey. With an open, modular architecture, they can embed, manage, and combine proprietary and regulated third-party financial products leveraging AI-driven insights to deliver new services more efficiently, reduce costs, and expand their reach.

Headquartered in Switzerland, additiv operates across Europe, the Middle East and Asia, with regional offices in Germany, the UK, the UAE, Singapore, Indonesia, the Philippines, and development hubs in Central and Eastern Europe. The company supports more than 400 financial institutions and consumer brands globally.

Add innovation. Remove costs.

SOLUTION OVERVIEW

FEATURES & BENEFITS

In a market where expectations are rising and margins are tightening, wealth managers need to deliver more, faster, smarter, and with less complexity. That’s where addWealth comes in. Built on additiv’s Digital Financial Services Platform, addWealth enables financial institutions to design, launch, and scale wealth services without the need to replace core systems.

addWealth is a cloud-native, API-first platform that supports the full wealth lifecycle — from onboarding and suitability checks to portfolio construction, rebalancing, and reporting. It enables digital, hybrid, and adviser-led journeys across all channels, tailored to retail, mass affluent, and HNW clients.

It supports every client segment and service model, from retail robo-advice to high-net-worth discretionary mandates, and allows firms to innovate without disruption. As digital-first competitors gain ground and clients demand personalized, real-time engagement, incumbents face a critical choice: continue patching together outdated infrastructure, or embrace intelligent orchestration to lead the market. addWealth helps institutions scale smarter and serve better, while reducing cost-to-serve and accelerating time-to-value.

In a world where financial services must be embedded, intelligent, and agile, addWealth delivers a future-ready foundation — empowering firms to meet demand, unlock new revenue streams, and stay ahead of change.

At its core is intelligent automation: onboarding, risk profiling, and compliance workflows are embedded and orchestrated with AI to reduce manual effort and boost operational efficiency. AI-powered nudges, realtime alerts, and hyper-personalized insights enhance client engagement and free up advisers to focus on value-added tasks. With a modular architecture and built-in compliance (including MiFID II), firms can evolve offerings rapidly while staying in control.

The platform also supports open sourcing, combining internal investment products with pre-integrated, third-party services. This gives institutions the flexibility to scale faster, expand into new channels, and deliver differentiated client experiences without infrastructure constraints.

DISCOVER MORE GET IN TOUCH

Vlad Magereanu

Yann Kudelski

Head Architect additiv

Head of Strategy & Business Development additiv

COMPANY additiv

USE CASES addWealth enables institutions to launch new digital wealth propositions, either as direct-to-client offerings or embedded within partner ecosystems. From roboadvice and workplace investing to discretionary and pension services, firms go live fast and scale with control.

Banks use addWealth to serve the mass affluent profitable, while bridging the advice gap through selfservice and hybrid models.

Insurers and asset managers extend reach across owned and third-party channels, delivering compliant, personalised experiences across every client segment, service model, and distribution channel.

WEBSITE additiv.com

EMAIL sales@additiv.com

HQ Zurich, Switzerland

FOUNDED 1998

EMPLOYEES 101-500

CLIENTS 21-50

CLIENT TYPES Banks, Insurers, Asset Managers, Pension Providers, IFAs

CLIENT LOCATIONS Europe, Asia, Middle East

SHOWCASE #4

BACK OFFICE

EFFICIENCY

From cost centre to competitive advantage In today’s fiercely-competitive wealth management industry, the back office is undergoing a transformation few would have predicted a decade ago. Once considered a behind-thescenes cost centre, its modernisation has become a strategic priority for firms determined to stay competitive.

Contributed by

Artificial Intelligence Toolkit United Kingdom Toolkit 20252025

www.objectway.com

Composable architectures and modular deployment empower firms to start from any point and scale with confidence —on their terms, without disruption.

www.thewealthmosaic.com www.thewealthmosaic.com

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ABOUT OBJECTWAY

Objectway is an international wealth, banking and asset management software provider empowering clients to embrace their future challenges while providing great performance today.

4 Back office efficiency

United Kingdom Toolkit 2025

From cost centre to growth driver: the renaissance of the back office

www.thewealthmosaic.com

76

By Tariq Khan, Business Development Director at Objectway Rising client expectations, increasing regulatory complexity, and constant pressure on margins me an wealth managers can no longer afford to treat the back office as an afterthought. Global assets under management are projected to surge to nearly US$136 trillion by 2027 (BCG Global Wealth Report 2023), bringing fresh opportunities – but also exposing operational weaknesses that could threaten growth if left unaddressed.

Rethinking priorities in a shifting landscape The operating environment for wealth managers has rarely been tougher. Inflation, market volatility, and talent shortages are squeezing margins. At the same time, clients – especially millennials and Gen Z – expect personalised digital services, ondemand access and faster onboarding, all without higher fees.

This confluence of pressures has pushed operational transformation up the agenda. According to a 2023 study by a leading global technology research and advisory firm, 57 percent of global banking and investment services leaders identified the modernisation of business-critical systems as their top priority. Improving operational efficiency and strengthening data analytics capabilities followed closely, both cited by 37 percent.

Yet there is a notable gap between ambition and execution: only around 50 percent of executives feel confident about delivering these priorities. This highlights the scale of the challenge — and the risk of falling behind more agile competitors if firms hesitate.

Wealth managers can no longer afford to treat the back office as an afterthought.

Straight-through processing: turning automation into advantage Automation is the cornerstone of back office transformation.

One of its most powerful applications is straightthrough processing (STP), where processes from order management to settlement are executed seamlessly without manual intervention.

The impact is significant. Research from Accenture’s Wealth Management C-Level Survey 2023 shows that adopting STP can reduce portfolio proposal preparation time by up to 40 percent, freeing relationship managers to focus on higher value tasks.

Beyond efficiency, STP delivers: •

Faster reporting and reconciliation, improving transparency;

•

Lower error rates, compliance; and

•

Quicker product launches, enhancing agility and competitiveness.

supporting

regulatory

By replacing fragmented workflows with automated, integrated processes, firms can future-proof operations and respond more effectively to evolving regulations.

Technology investment: AI, cloud and data as strategic pillars Back office modernisation isn’t about simply digitising existing processes: it requires rethinking how technology supports the entire operating model. Three areas dominate investment strategies:

United Kingdom Toolkit 2025

Back office modernisation isn’t about simply digitising existing processes.

Artificial Intelligence (AI)

In the back office, AI also supports: •

Fraud detection through pattern recognition;

•

Enhanced reporting generation; and

•

Predictive analytics to identify bottlenecks before they escalate

with

natural

language operational

Cloud infrastructure Cloud adoption is gathering pace, driven by the need for scalability and business continuity. PwC’s Digital Banking Survey Switzerland 2023 estimates that migrating to cloud infrastructure can reduce IT hardware and maintenance costs by 20 to 30 percent. Cloud platforms also shorten deployment cycles and facilitate real time data orchestration across technology ecosystems.

Data analytics

Automation is the cornerstone of back office transformation.

Turning data into a strategic asset is now non-negotiable.

Firms leveraging advanced analytics can better forecast market trends, understand client behaviours, and tailor offerings to individual preferences—transforming raw operational data into client-centric value.

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www.thewealthmosaic.com

AI is proving invaluable for automating routine compliance tasks, detecting anomalies in transactions, and providing data-driven insights to guide decisionmaking. Capgemini’s World Wealth Report highlights that 54 percent of affluent investors now welcome AIassisted portfolio analysis, although most still prefer human oversight for final recommendations.

Portfolio accounting: the top priority, yet under-delivered

United Kingdom Toolkit 2025

Among back office functions, portfolio accounting is emerging as the clear priority. A 2023 global assessment by a prominent technology and strategy research provider reports that 73 percent of banking and investment leaders view portfolio accounting as “extremely important”. Yet only 35 percent have fully deployed it.

Back Office Efficiency

78

Other critical systems are even further behind: just 24 percent have implemented advanced order and execution management, and only 19 percent have deployed modern post-trade settlement and reconciliation tools.

This gap, between perceived importance and current deployment, points both to the scale of opportunity and the urgency for firms to act.

Deployment strategy: Build, buy or partner?

Historically, many wealth managers favoured building systems in-house. However, the pace of technological change and the need for faster ROI have prompted a strategic rethink.

Data shows over 70 percent of firms are currently grappling with the complexities of legacy infrastructure, prompting replacement initiatives and a fundamental re-evaluation of operating models. Many are adopting a modular and phased implementation strategy, coupled with selective outsourcing to enhance operational efficiency and scalability.

Notably, there has been a growing adoption of Softwareas-a-Service (SaaS) solutions, which are valued for benefits such as hosted infrastructure, managed applications and seamless software upgrades.

In parallel, a significant number of firms are considering the complete outsourcing of their back office operations. This shift is motivated by the desire to focus on core competencies such as investment management and client service, while taking advantage of the economies of scale and expertise offered by specialised providers.

Ultimately, there is no one-size-fits-all transformation model. However, with a flexible architectural framework, a phased delivery roadmap, and the right strategic partnerships, firms can unlock new levels of efficiency, scalability and growth.

Technology partners offering modular, co-designed solutions with hybrid deployment, customisation, and interoperability — enabling iterative rollouts — are best positioned to support firms' strategic transformation.

Beyond cost savings: Building strategic advantage Firms combining operational excellence with smart technology investment outperform their peers by up to 12 percent on cost-toincome ratios, according to Boston Consulting Group's 2023 report How wealth managers can achieve cost leadership.

Therefore, modernising the back office should not be viewed solely as a cost reduction exercise. Done strategically, it creates multiple competitive advantages: Scalability: firms can grow assets under management without a linear rise in costs or operational workload.

Agility: new regulations, products, and services can be integrated faster.

Client-centricity: real-time data improves portfolio visibility and personalisation.

Resilience: automation reduces human error, and cloud-based systems enhance disaster recovery and business continuity.

The modernisation of the back office is no longer a question of if, but how fast and how effectively.

Firms that invest strategically in automation, scalable infrastructure, and data analytics aren’t just keeping pace — they’re positioning themselves for leadership in an increasingly client-driven, digitally enabled market.

Straight-through processing and modular architectures can turn operational complexity into streamlined efficiency. Automated processes free up teams to focus on client relationships, while improved data accuracy and transparency build trust — critical differentiators in today’s market.

Above all, the transformation of the back office is a chance to redefine what success looks like in wealth management: not simply managing assets, but delivering personalised services through a scalable and resilient operating model that reflects both cutting-edge technology and enduring human trust.

“Composable architectures and modular deployment empower firms to start from any point and scale with confidence — on their terms, without disruption.”

Tariq Khan

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www.thewealthmosaic.com

Conclusion: the back office as a driver of modern leadership

CLIENT EXPERIENCE TOOLKIT

The modernisation of the back office is not longer a question of if, but how fast and how effectively.

Objectway SOLUTION SHOWCASE

United Kingdom Toolkit 2025

For over 30 years, Objectway has partnered with banks, asset managers and wealth managers to grow their business while improving the financial wellbeing of their clients.

As a global TOP 100 FinTech provider (IDC FinTech Rankings), Objectway manages €1 trillion in assets and supports more than 100,000 investment professionals who manage €700 billion in AUM for more than 5 million investors.

With more than 250 clients across EMEA, US and Canada, Objectway drives growth through innovation. Its 800+ professionals operate from nine regional hubs, delivering scalable, flexible solutions that adapt to global players and regional champions expanding across clients, geographies and the value chain.

Solution Showcase

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SOLUTION OVERVIEW

FEATURES

A complete set of interoperable yet independent modules supporting efficient and accurate processing of securities transactions.

Securities Trade Processing - Comprehensive trade capture, fee engine and release - Streamlined trade processing - Advanced reporting and regulatory compliance - Integrated support for repos and securities lending

Our solution empowers wealth managers with a complete back-office platform that streamlines every stage of the post-trade lifecycle — including settlement and clearing, record-keeping, custody, tax calculations, and regulatory reporting. Built to support both institutional and private client operations, the system delivers seamless accounting and administration capabilities across multiple currencies, asset classes, and entities, ensuring scalable, global performance tailored to the complex demands of modern wealth management.

The solution is part of the Objectway Platform, which provides a flexible, personalised solution design, leveraging a comprehensive suite of end-to-end digital and service capabilities seamlessly integrating front-to back-office operations into one as-a-service growth platform, including SaaS, BPaaS and EaaS, to deliver key benefits across the entire value chain.

Securities Settlement - Automated clearing, routing, netting and settlement - Monitoring and updates of settlement status throughout the trade lifecycle - Automated, rules-based reconciliation tools - Automation of stock transfers in/out and custody changes Securities Custody - Client custody own holdings and non-custody brokerage - Custody reporting and fees - Corporate actions - MiFID pre-trade/post-trade reporting Tax Calculation - Compliance with local and international standards - Automating repetitive tasks like VAT returns, tax reporting and reconciliation - Streamlining data integration with legacy core systems

DISCOVER MORE GET IN TOUCH Tariq Khan Business Development Director Objectway tariq.khan@objectway.com

COMPANY Objectway

WEBSITE objectway.com

EMAIL marketing@objectway.com

BENEFITS

USE CASES

- Boost operational efficiency saving both time and resources.

Scaling operations through digitalisation and automation

- Maximize productivity via seamless administration processes and STP.

To manage rising volumes of contractual documents, our client selected the Objectway solution leveraging BPaaS and RPA technologies. This enabled automated data extraction, validation, and entry—reserving human input for exceptions.

- Reduce costs, cut processing times and increase competitiveness.

- Upgrade operational accuracy, reduce operational risk and ensure compliance.

- Prepare reliable portfolio income and taxation reporting packs.

- Focus on your core competencies leveraging our full IT outsourcing capabilities.

- Start however you want and steadily scale along the way.

As a result, they achieved 100 percent data accuracy, reduced manual reviews by 85 percent, and improved scalability without increasing headcount. Managing 70,000+ active accounts across 30+ asset lines, the client also reduced FTEs by 3, improving efficiency, speed, and costeffectiveness across operations.

HQ Milan, Italy

FOUNDED 1990

EMPLOYEES 850+

CLIENTS 250+

CLIENT TYPE EAMs, Bank Wealth Managers, Family Offices, Financial Advisers, Insurance-based, Trust & Fiduciary, Digital Wealth Platforms, FinTech/ WealthTechs (B2B)

CLIENT LOCATIONS Africa, Caribbean, Central America, Eastern Europe, Middle East, North America, Western Europe

SHOWCASE #5

FUTURE PROOF

PORTFOLIO MANAGEMENT

Unifying data for smarter, scalable investment operations FA Solutions empowers wealth managers with a single platform to manage public and private assets, consolidating portfolio data to drive real-time insights, automation, and compliance—future-proofing operations for the next wave of client expectations and technological innovation.

Contributed by

United Kingdom Toolkit 2025

www.fasolutions.com

A unified IBOR built for all asset types and digital channels—driving data-driven decisions, regulatory confidence, and client engagement.

Future-Proof Portfolio Management

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ABOUT FA SOLUTIONS

FA Solutions is a leading provider of modern portfolio management software for the wealth and asset management industry, delivering scalable, API-first solutions to automate investment operations and streamline regulatory, client, and performance reporting across all asset classes.

5 Future-proof portfolio management

United Kingdom Toolkit 2025

The case for future-proofed portfolio management

Future-Proof Portfolio Management

84

By Milan Patel, Managing Director, Global Head of Sales Engineering at FA Solutions In today’s fast-moving and complex investment landscape, wealth managers need more than portfolio visibility. They need real-time intelligence. Futureproofed portfolio management means having the ability to seamlessly manage, access, and analyse portfolio data across all asset classes, both public and private, through a single, consolidated platform. This isn’t just about meeting current demands — it’s about building the digital foundation to stay competitive in the years ahead.

From fragmented to future-ready – why this matters now

At the core of this future-ready approach is the Investment Book of Record (IBOR). A modern IBOR provides a centralised, accurate, and up-to-date view of holdings, transactions, valuations, and cash positions across every asset class. It becomes the golden source of truth that wealth managers can rely on to drive compliance, personalisation, and performance. It also ensures integration with evolving technologies such as AI, advanced analytics, and realtime reporting tools.

Despite this, many firms still rely on legacy infrastructure made up of disconnected systems and manual workarounds. These outdated setups are not designed to support the complex portfolios of today, particularly when private assets, multiple custodians, and crossborder considerations are involved.

However, not all IBORs deliver the same level of functionality. As portfolios become more diversified and private markets expand, many traditional systems are struggling with fragmented data, manual processes, and limited integration capabilities.

To be truly future-proof, a platform must consolidate and standardise data across asset types, provide real-time access, and be built with open and scalable architecture.

Wealth managers are facing increasing pressure from all sides. Clients, especially those in the next generation, expect more personalised and digital-first services. Regulators demand greater transparency and control. And competition is intensifying across both traditional and emerging platforms.

This is where the right IBOR transforms operations. A modern solution brings together data from all relevant sources, including listed securities, funds, private equity, ESG datasets, custodians, banks, and FX providers. By unifying this information into a single data environment, wealth managers can unlock real-time performance insights, simplify regulatory reporting, and offer customised digital experiences to clients and advisers alike.

Equally important is how the platform connects to other tools. Cloud-native infrastructure and open application programming interfaces (APIs) ensure that data can flow freely between systems. Whether feeding into dashboards, reporting engines, or AI models, this accessibility helps firms stay agile and evolve with client and regulatory demands.

In today’s fast-moving and complex investment landscape, wealth managers need more than portfolio visibility.

What a modern IBOR really looks like Many technology providers use the term ‘IBOR’, but few deliver one that truly supports future-ready operations.

A genuinely modern IBOR has several key attributes.

It is asset-agnostic, handling both public and private markets natively without the need for tactical workarounds when new asset types enter the portfolio. It supports real-time and event-driven updates to ensure timely and accurate information.

It consolidates data into a single, validated structure that acts as a trustworthy source for all downstream use cases.

Crucially, considering future technology such as AI, a genuinely modern IBOR is built with an API-first approach. This means other systems and applications, whether internal tools or client-facing apps, can securely and efficiently access data. A modern IBOR also enables configurable dashboards and flexible reporting, making it easier to personalise the client experience.

For compliance, it includes embedded controls, audit logs, and data lineage tracking to support transparency, risk monitoring, and evolving regulations.

This type of architecture not only supports today's business needs, but also ensures a scalable foundation for emerging technologies and future innovation.

The payoff — what future-ready really delivers What do wealth managers stand to gain from this future-proofed approach?

Operational resilience Centralising data reduces duplication, eliminates reconciliation errors, and simplifies reporting. This improves efficiency, reduces costs, and lowers risk.

Actionable insights With accurate, real-time data, firms can support better decision-making. Advisers and investment teams gain deeper and faster insight into performance, risk, and client preferences.

Client experience Today’s investors expect transparency and ondemand access to their wealth data. A unified platform enables firms to offer holistic digital experiences that increase engagement and satisfaction.

Digital transformation is no longer a choice.

The question is how firms build that transformation in a way that supports growth, agility, and long-term success.

Compliance confidence Automated data validation, version control, and secure access make regulatory reporting more efficient and less burdensome. Firms are better prepared to meet current requirements and adapt to future changes.

Technology readiness AI and automation rely on high-quality, structured data. A future-ready IBOR allows wealth managers to experiment with and deploy new technologies with confidence, knowing the data foundation is sound.

Looking ahead — who will win the future?

Digital transformation is no longer a choice. The question is how firms build that transformation in a way that supports growth, agility, and longterm success.

Simply adding digital layers onto old infrastructure may provide short-term relief, but it often creates long-term friction and risk.

Forward-looking firms are instead embracing consolidated, modular solutions that unify core processes and data, creating a foundation they can build on for years to come.

At FA Solutions, we believe that the future of portfolio management lies in the seamless orchestration of people, technology, and data.

By consolidating all asset types into a single, intelligent platform, firms can reduce risk, improve outcomes, and stay ahead of client expectations.

The most successful wealth managers will be those who take control of their data and use it as a competitive advantage. With the right IBOR at the centre, they can support every asset, every client, and every decision — today and into the future.

FA Solutions

United Kingdom Toolkit 2025

SOLUTION SHOWCASE FA Solutions is a Nordic-based fintech providing a modern, cloudnative platform for wealth and asset managers looking to automate, consolidate, and scale their investment operations. Our solution combines real-time portfolio management, regulatory reporting, client servicing, and multi-asset class support into a single unified system. With a modular approach and API-first architecture, FA empowers firms to build future-ready operations while reducing operational overhead and compliance risk. Our clients include banks, family offices, external asset managers, and financial institutions across Europe, the Middle East, and North America, all seeking greater efficiency, transparency, and digital agility in the management of wealth.

Solution Showcase

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SOLUTION OVERVIEW

FEATURES & BENEFITS

FA Platform is a future-ready portfolio and investment management system that enables wealth managers to operate with speed, accuracy, and confidence.

The FA Platform features core portfolio management, trade order management, CRM, regulatory reporting, and client servicing tools—all working together in one integrated environment. The golden-source IBOR ensures data integrity across the lifecycle, supporting real-time reconciliation, performance analysis, and client-specific customisation.

Built around a unified Investment Book of Record (IBOR) that consolidates both public and private asset classes, the solution delivers a complete and real-time view of portfolios, cash positions, and valuations. This centralised approach allows firms to eliminate data silos, streamline workflows, and build the foundation for AI-enabled innovation and automation.

With open APIs and modular functionality, the platform fits seamlessly into a firm’s broader digital ecosystem, making it a scalable and adaptive solution as regulation, client expectations, and technology evolve. It supports firms looking to transform their legacy infrastructure, gain competitive advantage, and confidently meet the data and compliance demands of tomorrow.

The platform is fully cloud-native and API-driven, making it easy to integrate with custodians, market data providers, client portals, and AI tools. This flexibility empowers firms to reduce manual processes, respond faster to client queries, and generate more accurate reports, while also ensuring full auditability and regulatory compliance.

Key benefits include reduced operational risk, greater transparency, and significantly improved efficiency.

Whether serving complex high-net-worth portfolios or institutional mandates, FA Solutions provides the digital infrastructure needed to support high-quality, scalable client experiences across jurisdictions.

DISCOVER MORE GET IN TOUCH Milan Patel MD, Global Head of Sales Engineering FA Solutions milan@fasolutions.com

COMPANY FA Solutions

WEBSITE www.fasolutions.com

EMAIL USE CASES FA Solutions is used by asset and wealth managers to consolidate investment operations, automate reconciliation, and deliver real-time client reporting.

Family offices and asset managers use the platform to manage multi-asset portfolios, including private investments, through a single system.

Regulatory teams benefit from built-in compliance and audit tools, while product teams use its open APIs to integrate with client portals, analytics tools, and AI applications—creating a seamless and scalable wealth management experience.

info@fasolutions.com

HQ Helsinki, Finland

FOUNDED 1999

EMPLOYEES 90+

CLIENTS 80+

CLIENT TYPE Asset Managers, Private Client Investment Managers, Multi-Family Offices, Trust & Fiduciary, Pension Funds, Digital Wealth Platforms

CLIENT LOCATIONS UK, Nordics, Middle East, North America

SHOWCASE #6

AI

ADOPTION

Empowering wealth managers with intelligent, personalised, and scalable AI solutions AI is revolutionising UK wealth management by enhancing efficiency, personalisation, compliance, and client engagement. We look at key applications across the adviser lifecycle and outlines how firms can responsibly adopt AI to deliver smarter, scalable, and more client-focused financial services.

Contributed by

United Kingdom Toolkit 2025

www.wealthobjects.com

Firms that embrace AI thoughtfully will achieve efficiency, compliance, and personalisation, delivering the digital-first experiences today’s clients expect while strengthening trust and expanding market opportunities.

AI Adoption

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ABOUT WEALTH OBJECTS

WealthObjects is a Londonbased WealthTech firm delivering AI-powered digital wealth management solutions.

Since 2015, we’ve helped global financial institutions enhance engagement and efficiency through a unified, ISO-certified platform integrating CRM, planning, investing, and reporting to drive growth, compliance, and innovation.

6 AI adoption

United Kingdom Toolkit 2025

AI-powered wealth management: transforming advice, investing, and client engagement

AI Adoption

90

By Uday Nimmakayala, Founder & CEO, WealthObjects The UK wealth management sector is being reshaped faster than ever before, by cost pressures, regulatory expectations, and evolving client demands.

At the same time, one of the largest intergenerational wealth transfers in history is under way, as trillions of pounds are passed from baby boomers to younger investors. These clients expect more transparency, greater flexibility, and a highly-personalised digital experience.

In this environment, Artificial Intelligence (AI) is emerging as the defining technology of the decade.

For wealth managers, advisers, and platforms, the question is no longer if they should adopt AI but how to use it responsibly and strategically. Done well, AI can modernise operations, enrich client engagement, and unlock growth opportunities, while safeguarding compliance and trust.

Why AI now?

Several forces make AI adoption both urgent and inevitable in wealth management. First, regulatory change continues to raise the bar. With the Financial Conduct Authority (FCA)’s Consumer Duty now in full effect, firms must demonstrate fair value, personalised outcomes, and stronger client communication. This is a heavy operational burden when managed manually.

Second, client expectations are shifting. Investors across demographics are accustomed to seamless digital experiences in retail, travel, and banking: they increasingly expect the same from their wealth managers. They want real-time access, personalised insights, and secure, intuitive digital interactions.

The UK wealth management sector is being reshaped faster than ever before, by cost pressures, regulatory expectations, and evolving client demands.

Third, the economics of advice are under pressure.

Serving clients profitably while maintaining a high standard of service is difficult when advisers spend large portions of their time on administration. Research suggests that over 60 percent of adviser effort can be consumed by tasks such as meeting preparation, data entry, and compliance checks. This is precisely where AI delivers value: automating repetitive work, synthesising complex data, and surfacing insights at speed.

What is AI-powered wealth management?

AI-powered wealth management is the intelligent application of AI across the full client and adviser lifecycle, from prospecting and onboarding, to financial planning, investing, reporting, and ongoing engagement.

By embedding AI into a unified wealth platform, firms can transform how they serve clients: Onboarding AI streamlines know-your-customer (KYC) and antimoney laundering (AML) checks, risk profiling, and document verification. It can automatically capture meeting notes, update customer relationship management (CRM) records, and draft client emails.

These capabilities remove friction and ensure compliance from the very start of the relationship.

Financial planning AI can model multiple scenarios in real time, helping advisers and clients understand the impact of different strategies and choices.

Investing AI enhances portfolio analytics, tax optimisation, rebalancing strategies, and monitoring, ensuring investments are aligned with goals and risk profiles.

Reporting and engagement AI generates personalised performance reports, suitability reports, insights, and reminders, helping clients stay informed and engaged.

Rather than taking over the role of advisers, AI strengthens their ability to deliver timely, accurate, and personalised advice while maintaining strong human relationships.

Benefits for wealth managers The advantages of AI adoption span efficiency, client experience, compliance, and growth.

Efficiency and productivity AI-driven automation can reduce hours devoted to administrative work by up to half, freeing advisers to spend more time with clients. Tasks such as summarising meetings, updating CRM records, or producing reports can be completed instantly and consistently. Firms can scale services without proportionally increasing headcount.

Enhanced client experience AI enables personalisation at scale. From reminders about life events to customised portfolio insights, clients receive communication that is relevant and timely. This builds trust and increases engagement, leading to higher retention rates.

Compliance and risk management AI ensures every step of the client journey is auditable and consistent with regulation. Automated records, embedded compliance workflows, and real-time monitoring reduce the burden of risk oversight. For UK firms, this is particularly important under Consumer Duty and MiFID II requirements.

Empowering advisers With AI taking care of routine work, advisers can focus on empathy, relationship building, and value-added guidance. This shift from administration to client strategy not only improves productivity but also makes adviser roles more rewarding.

Scalability and new market opportunities By lowering the cost of service, AI allows firms to engage broader client segments, from mass affluent to high-net-worth individuals, without compromising quality. For platforms and asset managers, AI enabled tools can support distribution, deepen client loyalty, and create new digital propositions.

How firms should approach AI For UK wealth managers, success with AI lies in careful planning and responsible implementation.

A few guiding principles can help: Start with the biggest pain point Workflows such as onboarding, document processing, and compliance reviews are ideal candidates for automation. Beginning here delivers quick wins and builds confidence.

Choose unified, holistic platforms Fragmented solutions create inefficiencies and data silos. A single platform, with integrated AI across CRM, planning, investing, and reporting, ensures data flows smoothly and securely.

Maintain strong governance AI must operate within robust frameworks for security, data protection, and compliance. Look for solutions with certifications such as ISO 27001 and ensure that audit trails are embedded by design.

Invest in people as well as technology Advisers and relationship managers need training and support to work effectively with AI. Position AI as a tool that enhances their skills and makes client interactions more meaningful.

Keep the client at the centre Every AI initiative should be judged by its ability to improve client outcomes, whether through clearer advice, faster processes, or more personalised engagement.

AI is not replacing advisers — it’s empowering them to deliver smarter, faster, and more personalised wealth experiences.

Conclusion AI is more than another technology trend; it is the next great enabler for the UK wealth management industry. Firms that embrace it thoughtfully will not only achieve operational efficiencies but also deliver the kind of personalised, digital first experiences that today’s clients expect.

The opportunity is clear: to reduce costs, boost adviser productivity, enhance compliance, and expand into new client segments, all while strengthening trust and engagement. The risk is equally clear: firms that delay action may struggle to compete in an industry where client loyalty is increasingly tied to digital experience.

For UK wealth managers, the path forward is not about adopting AI for its own sake, but about embedding it throughout the delivery of advice and wealth services. WealthObjects delivers a holistic, modular, and integrated platform that covers all aspects of personalised advice in the digital era, offering firms an AI powered, end-to-end wealth platform that is built for the future.

Uday Nimmakayala

WealthObjects

United Kingdom Toolkit 2025

SOLUTION SHOWCASE WealthObjects is a London-headquartered WealthTech firm with global reach, specialising in AI-powered wealth management and digital advice solutions. Since 2015, we have partnered with investment managers, wealth managers, insurers, and platforms to transform client engagement and streamline adviser operations.

Our unified platform integrates CRM, financial planning, investment execution, reporting, and client portals into one seamless ecosystem. Trusted as a CISI Financial Planning Partner for 2025 and ISO 9001 and 27001 certified, we combine deep industry expertise with cutting-edge automation and AI to help firms launch, enhance, or replace their digital wealth propositions while driving growth, efficiency, and compliance.

Solution Showcase

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SOLUTION OVERVIEW

FEATURES & BENEFITS

WealthObjects’ AI-powered holistic wealth management platform reimagines the client and adviser journey for the digital age. Built as an allin-one solution, it integrates financial CRM, digital onboarding, KYC/AML, risk profiling, financial planning, portfolio management, and reporting into a unified, secure ecosystem.

At its core, the WealthObjects platform is designed to unify and enhance the entire wealth lifecycle. Key features include a financial CRM with workflows and compliance checklists, digital onboarding with e-signatures, risk profiling, KYC/AML, and cashflow planning tools. Integrated AI agents automate meeting notes, extract insights, generate compliant reports, and surface new opportunities.

By embedding AI into every stage—from onboarding to financial planning, investing, and ongoing engagement—firms can automate routine tasks, deliver hyper-personalised insights, and strengthen compliance. This approach empowers advisers to focus on building relationships while offering clients a seamless, interactive digital experience. The platform adapts to adviser-led, hybrid, or fully digital advice models, ensuring flexibility for firms of all sizes.

With scalable SaaS delivery, modular APIs, and enterprise-grade security, WealthObjects enables wealth managers, investment firms, and platforms to reduce costs, boost adviser productivity, and deliver superior client outcomes. It is the future of wealth management: connected, intelligent, and client-centric.

Clients benefit from a branded portal and mobile app, offering 24/7 access to their financial plans, portfolios, and secure communications. Advisers gain productivity through automated data entry, instant portfolio analysis, proactive nudges, and AI-augmented scenario planning. Benefits include faster onboarding, reduced operational costs, and superior compliance readiness. Firms can serve more clients efficiently, deliver tailored digital experiences, and increase client retention. With white-labelling, modular APIs, and cloud-native architecture, the solution adapts to diverse business models. WealthObjects combines automation, personalisation, and compliance into one holistic, AI-powered platform—helping firms futureproof their wealth and advice offerings.

DISCOVER MORE GET IN TOUCH Uday Nimmakayala Customer Success Director WealthObjects uday@wealthobjects.com

COMPANY Wealth Objects

WEBSITE www.wealthobjects.com

EMAIL USE CASES WealthObjects supports a wide range of clients across wealth and investment management.

For advisers and wealth managers, it streamlines onboarding, planning, compliance, and client engagement.

For investment managers and fund providers, it delivers scalable digital distribution and personalised portfolio solutions.

Wrap, pension, and platform providers benefit from white-labelled portals and efficient B2B2C enablement.

Across all segments, AI-driven automation reduces administration, enhances personalisation, and enables firms to scale profitably while keeping client experience and compliance at the centre.

hello@wealthobjects.com

HQ London, United Kingdom

FOUNDED 2015

EMPLOYEES 21-50

CLIENTS 21-50

CLIENT TYPE Private Client Investment Managers, Bank Wealth Managers, Family Offices, Advisers, Insurance-based, Digital Wealth Platforms,Investment Platforms

CLIENT LOCATIONS Africa, Asia, Middle East, North America, Oceania, Western Europe

SHOWCASE #7

DIGITISE

FAMILY OFFICE OPERATIONS

Automate workflows and deliver real-time insights for lasting impact Family offices must prioritise operational excellence in a shifting UK wealth landscape.

Embracing digital platforms like Altoo empowers them to move beyond manual workflows, enabling near real-time reporting, secure data consolidation, and deeper client engagement.

Contributed by

United Kingdom Toolkit 2025

www.altoo.io

Digitisation enables UK family offices to reduce manual workload, eliminate errors, and meet rising expectations for instant access and personalised insights — transforming operations from reactive administration to proactive wealth stewardship.

www.thewealthmosaic.com

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ABOUT ALTOO

Altoo provides a wealth management platform that simplifies the management of complex assets.

Built and hosted in Switzerland, it offers secure data aggregation, intuitive visualisation, and seamless collaboration — empowering wealth owners and family offices to gain clarity, control, and peace of mind.

7 Digitise family office operations

United Kingdom Toolkit 2025

Onwards and upwards!

It's high time for UK family offices to digitise

Digitise Family Office Operations

98

Ian Keates, CEO at Altoo As 2025 unfolds, family offices and wealth owners in the UK find themselves at a defining juncture.

On the one hand, the regulatory and economic landscape looks increasingly inhospitable.

9,500 millionaires left the country in 2024 alone, according to investment migration consultancy Henley & Partners.

On the other hand, the UK remains home to a relatively high proportion of generational capital locked in real estate. Wealthy UK family members may be more internationally mobile than ever, but often their holdings are not.

With governmental policies remaining largely outside their influence, what are family offices to do? The answer lies in focusing on what they can control: operational excellence. From laborious portfolio reconciliation to time-consuming reporting, digitalisation offers one of the clearest wins in this respect—especially as new advanced solutions can bring cutting-edge capabilities to even the most traditionally-minded family offices.

Greater expectations for deeper insights The UK millionaire exodus mirrors a broader phenomenon in the free flow of information. While the wealthy have always sought international diversification, in today’s digital age it has become easier than ever for them to research investment and lifestyle options across borders.

For family offices, recognising this reality is key to success. They are no longer gatekeepers for data on asset prices and other basic wealth information now easily found online. Instead, they are expected to be trusted interpreters of this information.

This focus on providing what machines cannot — personalised attention, bespoke advisory, and human judgement — represents a return to the fundamental purpose of a family office. The question is whether to navigate this return the hard way or the easy way.

Manual workflows–the rather tedious way to uncover and show data-driven insights Despite the digital revolution, many UK family offices continue to rely on manual workflows that consume disproportionate time and introduce unnecessary risks. Relying on spreadsheets and slide decks is a familiar but increasingly problematic approach that no crucial insights or risks will slip through the cracks. This way, they can deliver a highly personal experience, knowing that technology is there to support – not replace – their role.

Typical manual workflows begin with staff logging into multiple portals to download data. This information is then painstakingly transferred to spreadsheets for reconciliation, categorisation, and analysis. Each manual entry brings the risk of human error that can distort financial pictures.

Even when data is accurately captured, spreadsheetbased systems present ongoing maintenance challenges. As portfolios evolve, spreadsheets require continuous modification. Formulas must be extended to new data ranges, and macros often break with slight changes to underlying structures.

Moreover, these manual efforts typically lead to presentation decks that may be inaccurate within a day or two. By the time family members review these materials — often after digging through email chains and/or scheduling portfolio review sessions — market conditions may have shifted substantially.

Manual workflows thus create a fundamental misalignment, with family members expecting on-demand access to accurate information, and family officers taking hours or days to address straightforward inquiries.

Automated workflows to the rescue Modern wealth management platforms designed for family offices offer sophisticated automation that transforms how financial information flows from institutions to decision-makers.

Rather than manually gathering data, these platforms establish secure connections directly to banking and investment platforms, automatically retrieving and normalising asset data.

This integration eliminates rather tedious data entry and human error, with automated calculations running continuously as new data arrives to provide near real-time insights. When family members have questions, answers are immediately available through intuitive dashboards.

Returns on investments in such platforms materialise quickly in the form of time saved on manual data processing.

For example, with the Altoo Wealth Platform, one family office reported freeing up around 18 hours of team time every month to spend on strategic advisory and other higher-impact activities.

For wealth owners, the benefits are equally compelling. They can access current information whenever questions arise, enabling more informed and timely decisions.

Modern wealth management platforms designed for family offices offer sophisticated automation that transforms how financial information flows from institutions to decision-makers.

SaaS: overcoming traditional hesitations to digital transformation

The UK features a higher proportion of singlefamily offices (SFOs) compared to multi-family structures predominant in newer wealth hubs. These SFOs typically have lean teams with limited IT expertise, and technology investments often appear daunting.

Legacy systems that are not quite painful enough to change (yet) Many UK family offices evolved from family businesses or banking relationships that have functioned well enough for years. Moving away from tried-and-true processes is always a risk, especially if it involves significant upfront investment and an unclear path to success.

The emergence of software-as-a-service (SaaS) wealth management platforms like Altoo’s has altered the technology equation for family offices. Offering sophisticated capabilities through subscription models that scale with usage, these cloud-based solutions can automate the bulk of a family office’s tedious workflows: •

Within a matter of weeks;

•

With upfront costs brought to a minimum;

•

And, without ongoing maintenance headaches, as updates and new features deploy automatically to meet emerging requirements.

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www.thewealthmosaic.com

Supposedly high costs

CLIENT EXPERIENCE TOOLKIT

Despite the promise of digitally-automated workflows, many UK family offices have kept calm and carried on with manual approaches.

Typical factors behind this reluctance to innovate include:

The Altoo Wealth Platform: a proper digital ally for UK family offices

Despite the promise of digitally-automated workflows, many UK family offices have kept calm and carried on with manual approaches.

The Altoo Wealth Platform is designed to address the unique challenges facing UK family offices today.

Built, hosted, and managed exclusively in Switzerland—a country long recognised for its worldleading privacy regulations—the SaaS platform features highly secure data connections to all institutions in the UK and abroad where families hold their bankable assets.

Through these connections, current data on asset prices and transactions flows automatically into the platform for automated analysis, reconciliation, and visualisation, in intuitive dashboards displaying performance at the portfolio and as set levels.

Additionally, the platform’s comprehensive coverage extends to less liquid assets like private equity and real estate that are commonplace in the portfolios of wealthy UK families. In addition to property values, maintenance costs, renovation expenditures, and rental income can all be tracked to create a holistic, easily understandable view of real estate performance.

For family office professionals, the platform offers a cost-effective and efficient way to redirect expertise away from tedious data entry work and towards providing the personalised advisory services that wealth owners truly value.

And for internationally mobile families maintaining UK-based assets, the platform makes it easy to review consolidated, up-to-date positions from anywhere in the world without cumbersome spreadsheets and slide decks. Built-in digital messaging channels eliminate the need to communicate via email or other less secure channels.

The Altoo Wealth Platform is designed to address the unique challenges facing UK family offices today.

Takeaway As UK family offices seek to make the most of what appear to be uncertain and challenging times, digital capabilities represent not just operational improvements but strategic advantages.

Those who build these capabilities will position themselves to mind the gap between heightened digital expectations and service delivery, providing the personalised attention that reminds wealth owners why family offices remain indispensable in the digital age.

The road to gaining these capabilities need not be arduous — taking the Altoo Wealth Platform for a test drive offer s a glimpse into how smooth it can be.

Altoo AG

United Kingdom Toolkit 2025

SOLUTION SHOWCASE Altoo AG is a Swiss-based fintech company offering an intuitive digital wealth platform designed for high-net-worth individuals and family offices. The Altoo Wealth Platform provides a secure, consolidated view of both bankable and non-bankable assets, delivering transparency across complex portfolios. With Swissgrade data privacy and a user-centric interface, Altoo transforms wealth management into a streamlined, insightful experience.

Clients benefit from comprehensive reporting, intelligent visualizations, and customizable oversight - all in one place. Altoo enables wealth owners and advisers to simplify financial complexity, improve decision-making, and maintain full control of their assets in a secure, trusted environment.

Solution Showcase

102

SOLUTION OVERVIEW

FEATURES & BENEFITS

The Altoo Wealth Platform is a Swiss-engineered digital solution that simplifies the complexity of wealth management. Tailored for high-net-worth individuals, family offices, and their advisers, it securely consolidates both bankable and non-bankable assets into a single, intuitive interface.

Our platform delivers a powerful combination of automation, intuitive design, and advanced functionality.

The platform provides real-time insights, visual overviews, and powerful reporting tools. It also enables users to manage their entire wealth with clarity, control, and confidence.

Key features include secure data aggregation from multiple banks and custodians, visual dashboards, transaction tagging, CSV data exports, API integrations, and robust cybersecurity backed by Swiss-hosted private cloud infrastructure.

The platform also offers seamless support for multifactor authentication and flexible data visualization across asset types.

DISCOVER MORE GET IN TOUCH Ian Keates Chief Executive Officer Altoo AG ian.keates@altoo.io

COMPANY Altoo AG

WEBSITE www.altoo.io

EMAIL hello@altoo.io

USE CASES Altoo is ideal for family offices, wealth owners, and advisory firms managing diverse portfolios across multiple institutions.

For example, a family office requiring consolidated performance tracking across bank and private equity holdings can use Altoo to automate reporting, streamline liquidity planning, and enhance collaboration.

Using our platform results in more efficient workflows and consistently reliable data.

HQ Baar, Switzerland

FOUNDED 2017

EMPLOYEES 21-50

CLIENTS 101-500

CLIENT TYPE External Asset Managers, Bank Wealth Managers, Family Offices, Financial Advisers, Trust & Fiduciary

CLIENT LOCATIONS Africa, Asia, Caribbean, Central America, Eastern Europe, Middle East, North America, Oceania, South America, Western Europe

SHOWCASE #8

MASTERING ALTERNATIVES

Power and precision for private market investments Transform the way you handle demanding portfolios - with structured data, streamlined processes, and deep analytics. From private equity to real estate, QPLIX empowers wealth experts to manage complexity, drive efficiency, and unlock new business potential.

Contributed by

United Kingdom Toolkit 2025

www.qplix.com

From challenge to competitive edge: QPLIX leverages the power of alternatives by making them transparent, scalable, and strategically valuable across the entire wealth management landscape.

Mastering Alternatives

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ABOUT QPLIX

QPLIX is a leading software platform for managing complex wealth across liquid and illiquid assets. Trusted by top-tier investors, it offers real-time analysis, seamless consolidation, and full control over data and security, making it a future-proof partner in digital wealth management.

8 Mastering Alternatives

Where alternatives end and wealth management begins United Kingdom Toolkit 2025

By Kai Linde, Founder at QPLIX

Mastering Alternatives

106

For decades, the majority of the wealth management industry has focused primarily on public markets.

Alternative investments, such as private equity, private debt, infrastructure, and venture capital, were reserved for a small group of insiders. Access was limited, data was scarce, and operational complexity kept most wealth managers on the sidelines.

But the boundaries of what defines a modern investment portfolio have shifted. What was once exclusive is now becoming essential — and more accessible.

From single-and multi-family offices, to independent wealth managers and private banks, a growing number of players are expanding their range. They’re not just including private market assets because they’re ‘trendy’. They’re responding to client demand, market requirements, and portfolio dependencies.

Managing all asset classes matters more than ever: this is the story of how technology is helping firms gain full control over the complexity that follows.

Why alternatives matter now Alternatives were once prized mainly for their opportunity they gave for outsized returns. Today, they’re valued for something more enduring: diversification, resilience, and long-term value creation.

In a world of slowly lowering interest rates, volatile public markets, and geopolitical uncertainty, traditional 60/40 portfolios no longer feel sufficient.

Investors are looking for exposure to uncorrelated, often-illiquid assets that offer a different risk-return profile. Whether it’s income-generating infrastructure, inflation-resistant real estate, or growth-oriented private equity, alternatives help create portfolios that can weather disruption and seize new opportunities.

The client demand is rising, and financial professionals are being called to respond. But integrating alternatives into portfolio management presents new layers of complexity, requiring a new operational foundation.

The barriers to entry — and why they’re falling Historically, alternatives posed challenges for most players.

three

major

The first was access. Complex feeder structures and high minimums excluded most clients from private markets. Another barrier was transparency. Data on cash flows, performance, and valuations was hard to obtain or entirely unavailable. Finally, there was a lack of scalability. Manual processes, spreadsheets, and fragmented systems made it nearly impossible to manage alternatives efficiently at scale.

But over the last few years, all three barriers have begun to erode. New fund structures are opening access. Regulations are evolving. Most significantly, modern technology is unlocking the ability to manage illiquid assets with the same clarity and discipline as traditional ones.

Platforms with structured data models, accounting capabilities, and automated reporting now make it possible to manage the full asset universe, from public equities to private placements, within a single operational framework. Choosing a technology partner able to provide such a single source of truth is now more essential than ever when it comes to the successful management of complex portfolios.

An expanding opportunity: empowered by technology

Looking ahead: complexity requires clarity

It may seem like family offices hold the advantage in handling alternatives. Traditionally, they embraced private markets as a core component of their investment philosophy. However, even their needs have evolved. Gone are the days of Excel spreadsheets, fragmented systems and ad hoc reporting. The new demand is for institutional-grade oversight, real-time data, and strategic control across increasingly complex portfolios.

As wealth grows more diverse, so must the platforms that manage it. Illiquid assets are no longer an exotic add-on. They’re part of the standard portfolio infrastructure. But managing this complexity requires more than access. It demands control, clarity, and confidence.

At the same time, independent wealth managers and private banks are realising that offering access to alternative investments can be a key differentiator.

Particularly for firms targeting high-net-worth or emerging wealth segments, private markets offer a way to stand out and elevate client relationships.

Yet, this expansion is not only about alternatives.

It’s about embracing the entire universe of assets.

Clients today hold diverse and complex portfolios across jurisdictions, entities, and generations. The right digital infrastructure makes it possible to offer private market strategies in a scalable, compliant, and transparent way.

This doesn’t just improve efficiency, it opens up entirely new business models, from semiinstitutional access vehicles to white-labelled alternative solutions for advisers.

To deliver true value, wealth managers must make the invisible visible-and the complex manageable.

What financial experts gain Firms that embrace the full scope of asset management, powered by the right technology, unlock many strategic advantages: •

Deeper client trust through a holistic and accurate view of their wealth

•

New revenue opportunities via tailored offerings across asset classes

•

Stronger diversification through balanced exposure to public and private markets

•

Greater operational efficiency with integrated data and streamlined workflows

•

Strategic insight from a unified portfolio perspective

Most importantly for wealth managers, it allows them to evolve with their clients, meeting them where their wealth actually resides: across structures, across generations, and across asset classes.

At QPLIX, we’ve seen first-hand how empowering financial professionals with the right tools can transform their ability to serve clients, manage risk, and unlock new opportunities. From private equity to public markets, our platform enables comprehensive asset management, as a fullyintegrated part of the portfolio.

Because in today’s world, managing wealth isn’t just about picking the right investments, it’s about mastering the complexity behind them.

And that starts with seeing the full picture.

QPLIX SOLUTION SHOWCASE

United Kingdom Toolkit 2025

QPLIX offers a leading software solution for successfully managing complex portfolios. Its clientele includes family offices, foundations, funds, independent wealth managers, institutionals, and private banks from across the EMEA region.

The platform comprehensively covers both liquid and illiquid asset classes and consolidating data across diverse ownership structures and enabling real-time analyses. With full control over its own IT infrastructure and over €300 billion in assets managed on the platform, QPLIX proves to be a trusted technology partner.

Founded in 2012 by Kai Linde, Philipp Pötzl and Mathias Lindermeir, the team today consists of over 140 development and financial experts.

Solution Showcase

108

SOLUTION OVERVIEW

FEATURES & BENEFITS

QPLIX is the single source of truth for the digital management of complex wealth, covering all asset classes, across all client structures. The platform’s key strength lies in the combination of all asset classes and all individual solutions needed throughout wealth management.

With QPLIX, your investments become fully transparent, manageable, and actionable. Each asset class is managed via its own dedicated master data sheet, designed to reflect the unique characteristics, lifecycles, and valuation logic of that investment type.

From private equity and real estate to public equity and crypto - QPLIX captures the full lifecycle of all assets with exceptional granularity. Due to its integrated accounting, all transaction types can be mapped and reported in detail, offering transparency that was previously hard to achieve.

Our platform streamlines data entry with intelligent templates, document processing, and automated workflows even in the illiquid sector. This allows users to drastically reduce manual effort while ensuring data consistency. Spreadsheets and siloed tools immediately become obsolete: all data flows into one clean, audit-ready source of truth.

By combining data depth with technological robustness, QPLIX transforms how wealth owners and advisors navigate the complexities of their portfolios, making the solution not just another reporting tool, but a strategic asset for long-term decision-making.

This comprehensive foundation enables deep, crossportfolio analysis of performance, exposure, liquidity, and risk, turning even the most complex structures into clear, navigable insights. Master the art of wealth management with our all-in-one solution.

DISCOVER MORE GET IN TOUCH Kai Linde Founder QPLIX kai.linde@qplix.com

COMPANY QPLIX

WEBSITE www.qplix.com

EMAIL info@qplix.com

USE CASES HQ Working with QPLIX equals bringing the power of portfolios to life.

Munich, Bavaria, Germany

Whether you are a family office managing complex, bespoke portfolios or an independent wealth manager with demanding clients: by combining depth, automation, and transparency, QPLIX enables you to turn complexity into opportunity.

FOUNDED

Turn fragmentation into unification and manual processes into scalability. Our platform enables new business models, deeper client relationships, and smarter decisions across the wealth management spectrum.

101-500

2012

EMPLOYEES

CLIENTS 101-500

CLIENT TYPE EAMs, Bank Wealth Managers, Family Offices, Financial Advisers, Insurance-based, Trust & Fiduciary, Digital Wealth Platforms, FinTech/ WealthTechs

CLIENT LOCATIONS Asia, Middle east, Western Europe

Editorial collection

WealthTech Landscape Reports Our WealthTech Landscape Reports cover all key wealth management geographies. Each report provides the reader with a compelling mix of thought leadership, solution showcases and Solution Provider Directory highlights designed to provide our wealth management and vendor community with a modern and insightful knowledge resource for its technology and related business needs.

Latest report

Europe WealthTech Landscape Report 2025 Q2 2025 With the rapid pace of change in financial services, understanding technology's impact on this sector is more crucial than ever. In this, our first Europe-focused Landscape Report, we feature a series of insightful articles that explore the trends, challenges, and innovations surrounding technology adoption in wealth management.

Contributions come from a range of organisations, and cover many of the issues impacting the wealth management industry in Europe today (and tomorrow).

Interested in reading in the report?

Click below to read and download. >

Read online

www.thewealthmosaic.com FEATURED REPORT

US WTLR 2024 Showcasing the application of technology in wealth management in the US >

Read now

ABOUT

THE WEALTH MOSAIC

www.thewealthmosaic.com

United Kingdom Toolkit 2025

TWM - built for a dynamic wealth management marketplace

The digital marketplace for wealth management

www.thewealthmosaic.com

114

The Wealth Mosaic (TWM) is an increasingly well-known and highly-regarded knowledge resource, closing the gap between the evolving business needs of wealth management businesses across the world and the growing marketplace of technology and related solution providers selling into the market.

The Wealth Mosaic is a UK-headquartered online solution provider directory and knowledge resource, focused specifically on the wealth management industry. Built around a curated and constantly growing and evolving directory of solution providers to the wealth management sector across the world, our business is founded on five core principles that make us different from other offerings in the market: • • • • •

Wealth management-focused Directory-first Research-led Online-first Accessible

Behind this report, the engine room of our business in delivering all of the above is our website. This is available to any user 24/7, 365-days a year. As of April 2025, our website hosts over 3,000+ solution provider profiles and hosts over 6,750+ solution profiles from these businesses. Each of these solutions is tagged to at least one of the 39 headline Business needs categories across our first two live marketplaces (Technology and Data, and Consulting, Research and

Support Services). These Business Needs categories create the first level of filtering around our Solution Provider Directory.

Alongside our core directory (SPD) focus, we continue to add and further develop the content, knowledge resources, and tools within our platform to support the user in their discovery, learning and engagement process.

For Wealth Managers For wealth managers, the buy side of our marketplace, TWM is designed to enable discovery of key solutions, solution providers and knowledge resources by specific business needs.

For Solution Providers For solution providers and vendors, the sell side of our marketplace, TWM exists to support the positioning, exposure and business development Needs of these firms in a more complex and demanding market.

United Kingdom Kingdom Toolkit Toolkit 2025 2025 United

Our offering pivots around the following six core components which can be used individually or pieced together to support your needs.

As part of our goal of creating a deep knowledge resource for the wealth management sector, alongside the maintenance and development of our SPD, we offer the market six core ways of working with TWM: Membership Content Reports Campaign Events Research & Insights

Offering a supporting fuel to help drive the engine that is the SPD, each of these service pillars also features standalone service offerings available to both wealth managers and solution providers to support their specific business needs whether that be positioning, exposure, insight, learning, networking or more.

If you are interested in discovering more about our offering, projects and plan for 2026, please don't hesitate to get in touch. You can access more detail on how you can work with us in our overview document below. >

115

Stephen Wall Founder stephen@thewealthmosaic.com

Mungo Hamlet Managing Director mungo@thewealthmosaic.com

Read more

Douglas Thomson Head of Content douglas@thewealthmosaic.com

www.thewealthmosaic.com

• • • • • •

Directory Content Research Events Marketplace Network Community Partnership Intelligence

Our online directory includes 3,000+ technology and related Solution Provider profiles and well over 6,950+ categorised solutions from across this community. This resource is supported by an extensive library of knowledge resources including New & PR, video and video interviews, podcasts & webinars, white papers & thought leadership, solution information and more. >

www.thewealthmosaic.com

The Wealth Mosaic is a curated online marketplace directory of solution providers and solutions relevant to the business needs of the global wealth management community.

2

Marketplaces

39

Business needs

Discover The Wealth Mosaic

3,000+

Business profiles

6,950+

Solution profiles

6,000+

Knowledge resources

WWW.THEWEALTHMOSAIC.COM

GET IN TOUCH www.thewealthmosaic.com office@thewealthmosaic.com Copyright © The Wealth Mosaic 2025 All rights reserved This publication constitutes marketing material. The information and opinions expressed in this publication were collated by The Wealth Mosaic Limited, as of the date of writing and are subject to change without notice.