Best AI tools for UK financial advisers in 2026
Six AI tools for a small UK advice firm, scored on the jobs each covers, set-up, adviser approval, support, a clear price and track record.
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Financial advisers and mortgage brokers
Guides to the admin that eats a firm's week, and reviews of the software that claims to fix it. 56 guides and 2 reviews so far.
Free toolsBest buysQuestions answeredKey factsGlossaryKey datesAnnual reviews and ongoing serviceSuitability reports and filesConsumer Duty, the FCA and client dataRunning the firm
Free tools
Senior manager leaving or away: can someone coverFour questions on why the senior manager is going, who would cover and whether an application is in, giving one of seven outcomes under SUP 10C.3A.Complaint received: which deadline and which letterSix questions on who complained, when, and what the firm has sent, giving one of eight outcomes: the DISP deadline that applies and the letter that goes next.Complaint acknowledgement and three-day letter makerDISP gives a firm eight weeks to send a final response, or three business days to resolve a complaint without one. The dates worked, and two letters to copy.Admin scorecard for a advice firm: the office hours a week that could be prepared by AI and checked by you, job by jobEnter the hours a week your firm spends on review packs, suitability reports, file checks and LOAs to see which jobs AI could prepare for the adviser.Advice firm readiness check: ten yes-or-no questions on ongoing service, suitability files, client data and record keepingTen yes-or-no questions for a small FCA-regulated advice firm on ongoing service evidence, suitability reports, AI, recordings and how long files are kept.Adviser capacity calculator: how many ongoing clients one adviser can review in a year, and what changes when the preparation is done for themEnter the hours a client's yearly meeting takes to prepare, hold and write up, and the adviser's available hours, to see the most clients one adviser can serve.Adviser charging illustration: initial and ongoing fees in pounds, year by year, and their cumulative effect on the portfolio over ten yearsEnter the amount, initial and ongoing charges, platform charges and growth to get a year-by-year table of fees in pounds and their cumulative effect.AI report tool questions email makerAdvisoryAI publishes £299 a month per user for report drafting, Automwrite £249 a month plus VAT. Saturn and Aveni publish no price. The yearly sums.Annual review checklist for advice firms23 steps for one client's annual review, from the invitation eight weeks ahead to the dated file note, each with the FCA rule or finding behind it.Client file checklist before a file check24 steps to put one advice file in order before a file check: client information, meeting records, the suitability report, ongoing service and retention.Ongoing service invitation and chaser letter makerThe FCA sets no number of chasers for a client who ignores review invitations. What it has said, three letters to copy with dates, and when to stop the fee.Document and letter of authority chaser: the chase email for a client, a provider or a lender, with the working-day dates for the next chase and the escalationPick who you are chasing and the request date to get a chase email with the working days waited, a reply date, an escalation on the third chase and a file note.Ongoing service tracker: when the next review is due, how many were promised and not delivered since the start, and what the undelivered fees come toEnter the service start, last delivered review, reviews delivered and declined, the portfolio and the charge to see the next due date and the undelivered fees.Meeting recording notice makerWhat SYSC 10A requires of a meeting record, what the ICO says to tell clients before recording, and a script and six-point check for an AI-drafted note.Suitability report file check: the COBS 9.4.7R minimum, the Consumer Duty points and the timing rule for the product, as a pass or fail tablePick the recommendation type and answer twelve yes or no questions to test a suitability report against COBS 9.4.7R, the Consumer Duty and the timing rule.
Best buys
Best AI tools for UK financial advisers in 2026
Six AI tools for a small UK advice firm, scored on the jobs each covers, set-up, adviser approval, support, a clear price and track record.
Best cashflow modelling software for UK financial planners in 2026
Six cashflow modelling tools for UK advice firms, scored on the planning jobs covered, evidence, a price you can read and UK tax rules stated as kept current.
Annual reviews and ongoing service
Normal minimum pension age rises from 55 to 57 on 6 April 2028: which clients it catches, with access dates worked
GOV.UK says the normal minimum pension age rises from 55 to 57 on 6 April 2028. Birth dates, access dates and the protected pension age check for a client.
Junior ISA limit £9,000 for 2026 to 2027: who can pay in, control at 16, withdrawals at 18, worked for a client meeting
GOV.UK sets the Junior ISA limit at £9,000 for 2026 to 2027. Monthly equivalents, 18-year totals and the control and withdrawal ages for a client.
Stamp Duty on a mortgage client's purchase: 0% to £125,000, first-time buyer relief to £500,000 and the 5% surcharge, worked
GOV.UK lists Stamp Duty bands of 0% to 12%, first-time buyer relief to £500,000 and a 5% surcharge on extra homes. Six prices worked.
Pension tax relief for a higher rate client: the extra 20% claim on a relief at source pension, worked
GOV.UK says the provider adds 20% and a higher rate taxpayer claims a further 20% on Self Assessment. Three payments worked for a client earning £60,270.
Dividend tax for a client's shares outside an ISA: £500 allowance, then 10.75%, 35.75% or 39.35%, worked
GOV.UK gives a £500 dividend allowance for 2026 to 2027 and rates of 10.75%, 35.75% and 39.35% above it. Three dividend levels worked for a client review.
Savings interest tax for a client's cash: £5,000 starting rate that shrinks £1 for every £1 of other income, then £1,000 or £500 allowance, worked
GOV.UK gives a £1,000 savings allowance for basic rate and £500 for higher rate taxpayers, plus a starting rate of up to £5,000. Worked.
The High Income Child Benefit Charge: 1% of the benefit for every £200 over £60,000, all of it repaid at £80,000, worked for a client with two children
Between £60,000 and £80,000 a client repays 1% of Child Benefit for every £200 of adjusted net income. Worked for one and two children.
The £100,000 Personal Allowance taper: £1 lost for every £2, a 60% effective rate up to £125,140, worked for a client on £110,000
Above £100,000 of adjusted net income the Personal Allowance falls by £1 for every £2 and is zero at £125,140. Worked tax at £100,000, £110,000 and £120,000.
Marriage Allowance: £1,260 transferred, up to £252 a year, and what a backdated claim to April 2022 can add for a client couple
Marriage Allowance moves £1,260 of Personal Allowance and cuts the partner's tax by up to £252 a year. A claim can go back to 6 April 2022: five tax years.
Money purchase annual allowance: £10,000 once a client has flexibly accessed their pension, against £60,000, worked
After drawdown income or a UFPLS, pension saving above £10,000 a year can breach the allowance. The triggers, the non-triggers and three clients worked.
Is a missing National Insurance year worth buying? £241.30 over 35 years, against £18.40 a week, worked
Does filling a National Insurance gap pay? One qualifying year is worth about £358.50 a year; Class 3 costs £956.80 for it. The payback sum, worked.
Tapered annual allowance: £1 off for every £2 of adjusted income over £260,000, with a £10,000 floor
A high earner's pension annual allowance falls £1 for every £2 of adjusted income over £260,000, to a floor of £10,000. Worked for five clients.
Inheritance tax on lifetime gifts: the seven-year rule and taper relief, worked for a client's £500,000 gift
A £500,000 gift over the £325,000 nil-rate band costs £70,000 in tax if the client dies within 3 years, and £28,000 after 5 to 6 years. Taper relief.
Residence nil-rate band: £175,000, the £2 million taper, and the 60% slice a client estate of £2.3 million falls into
The residence nil-rate band is £175,000 but falls by £1 for every £2 an estate is over £2 million, gone at £2.35 million. Worked tax at six estate sizes.
Lifetime ISA: £4,000 a year, £1,000 bonus, first payment before 40, and what a client opening at 39 can still earn
A Lifetime ISA takes £4,000 a year with a 25% bonus up to £1,000, first payment before 40, payments until 50. A client opening at 39 can add up to 11 years.
A client has a £15,000 gain on shares: the £3,000 allowance, 18% or 24%, and what spreading it over five years saves
For 2026 to 2027 the CGT allowance is £3,000 and the rates are 18% and 24%. A £15,000 gain costs £2,160 or £2,880 in one year and nothing spread over five.
Pension carry forward in 2026 to 2027: one client's £135,000 of headroom worked through, and the £40,000 that lapses on 5 April 2027
Carry forward lets a client use unused pension allowance from three past years. One client worked through, and the allowance that lapses on 5 April 2027.
Adviser charging illustration calculator: initial and ongoing fees in pounds, year by year, and their cumulative effect on a portfolio over ten years
Enter the amount, initial and ongoing charges, platform charges and growth to get a year-by-year table of fees in pounds and their cumulative effect.
Yearly suitability assessment checklist for advisers: from the invitation to the file note
23 steps for one client's annual review, from the invitation eight weeks ahead to the dated file note, each with the FCA rule or finding behind it.
Client not responding to annual review invitations: what the FCA has said, three letters to copy, and when to stop the ongoing charge
The FCA sets no number of chasers for a client who ignores review invitations. What it has said, three letters to copy with dates, and when to stop the fee.
CP26/10 for small advice firms: what the FCA proposed on 25 March 2026, what the rule still is today, and what to change before the policy statement
CP26/10 proposes periodic instead of annual suitability reviews. It is not in force. What the rule is today, what was proposed, and six steps for a small firm.
The FCA's ongoing advice review, and the evidence pack a small firm needs for every client since 2018
The FCA found 83% of promised reviews delivered, 15% declined, under 2% not attempted. What it asked, what CP26/10 proposes, the evidence a firm needs.
Ongoing service tracker for advice firms: when the next review is due, how many were promised and not delivered since 2018, and what the undelivered fees come to
Enter the service start, last delivered review, reviews delivered and declined, the portfolio and the charge to see the next due date and the undelivered fees.
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How ready is your firm for AI? Find out in 3 minutes.Take the 3-minute readiness scorecard
How ready is your firm for AI? Find out in 3 minutes.Take the 3-minute readiness scorecardSuitability reports and files
What an in-house paraplanner really costs per suitability report in 2026-27: employer NI, pension and the break-even against an outsourced fee
A salary is not the cost of a paraplanner. Worked 2026-27 employer NI and pension figures, and the cost per suitability report at 100 to 250 reports a year.
AdvisoryAI vs Automwrite: the published prices for AI suitability report tools on 1 October 2026, and what one report seat costs a small advice firm a year
AdvisoryAI publishes £299 a month per user for report drafting, Automwrite £249 a month plus VAT. Saturn and Aveni publish no price. The yearly sums.
Client file checklist for advice firms: what to put in order before a compliance file check
24 steps to put one advice file in order before a file check: client information, meeting records, the suitability report, ongoing service and retention.
Letter of authority and document chase email template: the chase for a provider, a client or a lender, with the working-day dates for the next chase and the escalation
Pick who you are chasing and the request date to get a chase email with the working days waited, a reply date, an escalation on the third chase and a file note.
Suitability report file check: the COBS 9.4.7R minimum, the Consumer Duty points and the timing rule for the product, as a pass or fail table
Pick the recommendation type and answer twelve yes or no questions to test a suitability report against COBS 9.4.7R, the Consumer Duty and the timing rule.
Consumer Duty, the FCA and client data
Tax-free cash and the £268,275 lump sum allowance: the pot size where 25% stops, with four client pots worked through
GOV.UK sets the lump sum allowance at £268,275, usually 25% of the pot. A pot above £1,073,100 hits the cap. Four client pots worked for an advice firm.
Suspicious activity report with a consent request in an advice firm: the seven working days, the 31-day moratorium and what you can say to the client meanwhile
How the seven working day notice period and 31 day moratorium run after an advice firm asks for consent, with a December 2026 calendar and tipping off limits.
Can someone cover a senior manager who is leaving or away? Four questions on the 12-week rule
Four questions on why the senior manager is going, who would cover and whether an application is in, giving one of seven outcomes under SUP 10C.3A.
Which complaint deadline applies? Six questions for an adviser or mortgage broker
Six questions on who complained, when, and what the firm has sent, giving one of eight outcomes: the DISP deadline that applies and the letter that goes next.
How long must a financial adviser keep client files? The FCA minimum for each type of record, and a retention schedule to copy
COBS 9.5.2R sets the minimum: indefinitely for pension transfers, five years for pensions and life policies, three years otherwise. A schedule to copy.
FCA complaints return: every firm's reporting period ends on 31 December 2026, and the dates for an advice firm or mortgage broker with a 31 March year end
Every firm's complaints reporting period ends on 31 December 2026. The short return, the new six-month periods and the due dates for a 31 March year end.
How long does FCA approval of a senior manager take, and how long can someone cover without it? Three months in law, 12 weeks of cover, and the dates for one advice firm
The FCA has three months to decide a senior manager application and aims for two. Cover can run 12 weeks without approval. The dates for one firm, worked.
How long does a financial adviser or mortgage broker have to respond to a complaint? Three business days, eight weeks and six months, with the dates for one complaint and two letters to copy
DISP gives a firm eight weeks to send a final response, or three business days to resolve a complaint without one. The dates worked, and two letters to copy.
Advice firm readiness check: ten yes-or-no questions on ongoing service, suitability files, client data and record keeping
Ten yes-or-no questions for a small FCA-regulated advice firm on ongoing service evidence, suitability reports, AI, recordings and how long files are kept.
AI and client data in an advice firm: what the FCA expects, what advisers already do, and the six conditions before a tool touches a client file
Advisers already draft with general AI. What the FCA expects (existing rules, SM&CR, Consumer Duty), what surveys show, six conditions before AI reads a file.
Can a financial adviser or mortgage broker use ChatGPT, Claude or Copilot for client work? Business plan prices on 1 October 2026, what each vendor says about training on your data, and three prompts with no client in them
Yes, for routine work that is not advice. Business seats cost £13.80 to £22.50 a month on 1 October 2026. Each vendor's training terms, and three prompts.
The Consumer Duty annual board report for a small advice firm: what PRIN 2A.8.3 requires, what the FCA found in the first ones, and a shape for a firm of three to ten people
PRIN 2A.8.3 requires an annual report to the governing body on Consumer Duty outcomes and actions. What it must contain, what the FCA found, a small-firm shape.
Recording client meetings with an AI note taker: what SYSC 10A requires, what to tell the client, and a script and six-point note check for a small advice firm
What SYSC 10A requires of a meeting record, what the ICO says to tell clients before recording, and a script and six-point check for an AI-drafted note.
Running the firm
The cash ISA limit falls to £12,000 for under-65s on 6 April 2027: which clients it reaches and what an advice firm should check
From 6 April 2027 under-65s can put £12,000 a year into cash ISAs. The 65 test, the transfer ban and the 22% charge, with a client-list check for advice firms.
Can an advice firm verify a new client's identity electronically? What regulation 28 says, and when the check must be done
What the Money Laundering Regulations 2017 say about electronic ID checks for a new adviser client, the reg 30 timing rule, and the hours it can save.
What a Financial Ombudsman complaint costs an advice firm in 2026/27: the £680 case fee, the £2,000 allowance and when the fee is triggered
The Financial Ombudsman charges up to £680 a case in 2026/27 with a £2,000 yearly allowance. See when the fee is triggered and what five cases cost.
Outsourcing paraplanning: what SYSC 8.1 says the firm keeps responsibility for, the twelve conditions, and a pass or fail check for the paraplanner's contract
What the FCA's outsourcing rules in SYSC 8.1 require when an advice firm sends suitability reports to an outside paraplanner, and a count of who has to do what.
Professional indemnity insurance for a mortgage or insurance broker: the FCA minimum cover, the cap on the excess, and the income at which the cap starts to rise
What MIPRU 3.2 sets as minimum professional indemnity cover for an MCD mortgage adviser, and the most excess the FCA lets a firm carry, with the arithmetic.
What does the FSCS cover for an advice client? The £85,000 limit on bad advice, the £120,000 deposit limit, and how to explain both
Clients ask what happens if the advice firm fails. FSCS limits differ by product: £85,000 for advice and investments, £120,000 for deposits since December 2025.
Electronic signatures in an advice firm: which client documents can be signed online, which need a witness in the room, and what to keep as proof
Most advice paperwork can be signed electronically in England and Wales. A deed still needs a witness physically present. Nine documents sorted.
Adviser CPD and the Statement of Professional Standing: the 35 hours, the 60-day rule and what the firm has to hold for each adviser
TC 2.1 sets 35 hours of CPD a year, 21 structured, and an SPS within 60 days and every year after. The firm's checks, worked month by month.
What a directly authorised mortgage broker pays the FCA in 2026/27: the £2,820 application fee, the £2,200 minimum annual fee and the levies, worked for three sizes of firm
A directly authorised mortgage broker pays £2,820 to apply and at least £2,200 a year to the FCA in 2026/27. The levies on top, worked for three firms.
How much do FCA fees and the FSCS levy cost a small financial advice firm in 2026/27? The rates, and one firm's £6,052.05 bill line by line
An advice firm with £450,000 of investment income pays £6,052.05 in FCA fees and levies for 2026/27, £2,710.29 of it to the FSCS. Each line worked.
Admin scorecard for advice firms: how many hours a week could AI prepare for the adviser to sign, job by job
Enter the hours a week your firm spends on review packs, suitability reports, file checks and LOAs to see which jobs AI could prepare for the adviser.
Adviser back-office software prices: who publishes them, and what a six-person advice firm pays a year
What UK adviser back-office suppliers publish about price: Plannr's £140 a month per employee, Intelliflo quote-only, Curo and Xplan unpublished, six people.
Adviser capacity calculator: how many ongoing clients one adviser can look after in a year
Enter the hours a client's yearly meeting takes to prepare, hold and write up, and the adviser's available hours, to see the most clients one adviser can serve.
FE CashCalc vs Voyant AdviserGo: the published prices on 1 October 2026, and what a firm with two advisers and a paraplanner pays a year
FE CashCalc publishes £80 a month plus VAT per adviser, Voyant AdviserGo £175. The yearly sum for two advisers and a paraplanner, and five questions to ask.
Pensions in the estate from 6 April 2027: the client conversations an advice firm has to get through in the next eighteen months, and a plan for the workload
From 6 April 2027 unused pensions count in the estate and personal representatives pay the tax. Which clients to see first and how a small firm schedules it.