Which AI tools do UK financial advisers use?
There's a crowded field of AI products built for UK advice firms and FCA rules. Most do one of three jobs: capture the meeting, draft the suitability report, or check the file. If that's your bottleneck, one of these will get you there faster than anything custom.
| Tool | Main job | Back office links (per published comparisons) |
|---|---|---|
| Aveni | Meeting capture, suitability drafting, compliance monitoring and QA | Intelliflo, Xplan |
| AdvisoryAI | Suitability reports and meeting admin | Intelliflo, Xplan |
| Recordsure | QA, file review and Consumer Duty evidencing | Intelliflo |
| Marloo | Meeting capture, document drafting, client knowledge base | Check with the vendor |
| Saturn | AI for financial advice firms: meetings and admin | Check with the vendor |
| PlannerPal | Meeting notes and CRM updates | Check with the vendor |
| Nexus AI (FE fundinfo) | AI in the planning stack, with meeting recording | Intelliflo |
| Dynamic Planner | Meeting transcription into client records and fact finds | Its own planning system |
Integrations as listed by Aveni's 2026 comparison and vendor sites. We haven't tested these products and take no referral fees.
What should a financial adviser's CRM do, and what does it leave?
In advice, the CRM is the back office: Intelliflo Office, the most widely used in the UK, or Iress Xplan. It holds clients, plans, valuations, fees and the compliance record. It's the system of record, and it shouldn't be replaced to add anything on this page.
| Job | Back office (Intelliflo, Xplan) | Adviser AI product | Custom work around both |
|---|---|---|---|
| Client records, plans, fees | Yes | Reads from it | Reads from it |
| Meeting notes and suitability reports | Templates | Yes | No; buy a product |
| Letters of authority and documents | Tracks them | No | Chases providers and clients until done |
| Annual review invitations | Reminders to the adviser | Prepares the meeting | Invites, books and evidences each offer |
| New enquiries and calls | No | No | Replies, books and takes messages |
Intelliflo runs an open API and an app store with more than 80 integrations, so work built around it can read and write client records directly. For Xplan and other back offices we confirm the route first.
How do we stop chasing letters of authority?
LOAs are still one of the slowest parts of taking on a client: wet signatures, separate requests per policy, providers who reply by post weeks later. Origo's Unipass Letter of Authority now sends requests digitally to providers that support it, which helps. The chasing around it is still manual.
- One tracker per client listing every provider, when the LOA went, and what's come back.
- Chasers to providers at set intervals, and to the client when a signature or policy number is missing.
- Fact-find documents requested on the channel the client answers, with a secure upload link.
- A note to the paraplanner when a client's information is complete and research can start.
How do we make sure every client gets the review they pay for?
The FCA's review of ongoing advice services, published in February 2025, looked at 22 large firms: reviews were delivered in around 83% of cases, clients declined or didn't respond in 15%, and firms hadn't attempted a review in 2%, where redress is likely. For a smaller firm, the risk is the same: a review that slipped, with no record that it was offered.
- Invitations sent from each client's review date in the back office, with a booking link.
- Reminders to clients who don't book, and a note to the adviser after a set number.
- A short pre-review questionnaire on changes in circumstances, so the meeting starts informed.
- Every offer, booking, decline and no-reply recorded against the client, as evidence the service was offered.
Who answers new enquiries and calls while advisers are in meetings?
Advisers spend much of the day in client meetings, and enquiries from the website or adviser directories wait until the evening. People looking for advice often contact more than one firm.
| The call | Voicemail | AI receptionist |
|---|---|---|
| "I'd like advice on my pension" | Call back later | Explains how you work and your initial meeting, asks a few questions and books it |
| "What's my portfolio worth?" | Call back later | Points them to the client portal or takes a message; never quotes values |
| "Should I move my money?" | Call back later | Gives no view; books time with their adviser |
| "Has my LOA gone off?" | Call back later | Answers from the tracker, or takes a message |
| Record of the call | The voicemail | A note on the client record |
Everything it says is scripted and approved by you, under the FCA's Consumer Duty. More on our AI receptionist page.