The Advisory edition

Client management, supervision and Consumer Duty evidence in one system

The Advisory edition is a multi-tenant wealth management platform with an embedded regulatory technology layer. It provides advisers with a complete client book, compliance functions with firm-wide management information, and senior management with a hierarchical view of outcomes across the organisation — from a single data set and a single audit trail.

Consumer Duty coverage The advisory desk Supervision & hierarchy

One data set, three audiences

Client-facing wealth management, adviser workflow and compliance oversight are served from the same records. The management information a compliance function reports on is the same data an adviser is working in, so there is no reconciliation step and no separate compliance database to keep current.

Role determines visibility

Access is derived from the relationships held in the platform: an adviser sees only the clients they are engaged with, a compliance manager sees the firm, and a manager in the reporting hierarchy sees their subtree. The audit log is restricted to the compliance function alone.

Evidence is a by-product

Board reporting, supervisory evidence packs and the vulnerable customer register are generated from the record of work already done. Nothing has to be assembled retrospectively for a board meeting or a supervisory request.

About the screenshots on this page. Every image is the running application, captured from a demonstration environment. Client names, figures, vulnerability flags and complaint counts are fictitious and are provided for illustration.

Regulatory coverage

FCA Consumer Duty — the four outcomes, module by module

The Consumer Duty requires firms to deliver good outcomes, to monitor whether they are being delivered, to act where they are not, and to evidence all three to their board and to the regulator. Each module below maps to an obligation and produces a durable record.

Consumer Duty outcomes mapped to the modules that evidence them.
Outcome	Module	What it produces
Products and services	Cohort Outcomes	On-track and off-track rates by risk-profile cohort, with drill-down to the individual clients behind each figure and a warning where a cohort falls below a 50% on-track rate.
	Annual Review Tracker	Overdue, due-soon and on-track counts; a review recorded against the client with the next one scheduled at 6, 12, 18 or 24 months.
	Risk Assessment	An eight-question attitude-to-risk profile with a stated capacity for loss, written to the client’s compliance record and carried into suitability reporting.
Price and value	Charge Justification	Per-client service tier, annual charge, deliverables in the last twelve months, a computed value score and a red/amber/green status. Exportable to CSV.
Price and value	Fair Value Assessment	The annual assessment by service tier: client count, revenue, average charge, on-track rate, average complaints and a RAG rating against stated thresholds.
Consumer understanding	Suitability Reports	A COBS 9.4 suitability letter with a unique reference, drawn from the client’s own circumstances, objectives, risk profile and charges, including risk warnings and alternatives considered.
	Client Portal	A branded, read-only view of a client’s position, issued on an expiring link and revocable at any time.
	Account Access	A client-facing record of who at the firm opened their account, when, and in what role — the transparency side of the same audit trail.
Consumer support	Vulnerable Customer Register	Flag type, severity, contextual notes, the support actions taken and a review-due date, with an active / reviewed / resolved lifecycle.
Consumer support	Vulnerability Scoring	An explainable 0–100 score per client with the contributing factors listed, banded critical, high, medium and low, for prioritisation.
Governance and monitoring	MI Dashboard	Aggregate outcome metrics across the book, with every headline figure opening the list of clients behind it.
	Board Report	The annual attestation across the four principles, with overview metrics, cohort outcomes and the fair value table, exportable as JSON or printed for the board pack.
	FCA Evidence Export	A structured supervisory package over a twelve-month window in JSON, plus a flattened client-level CSV.

Compliance oversight

Management information that resolves to a named client

A percentage is only useful if it can be turned into a list of people to contact. Every headline metric in the compliance suite is a control: selecting it opens the cohort behind it, and selecting a client from that cohort opens their record.

Consumer Duty MI Dashboard. Aggregate outcome metrics across the managed book: client count, vulnerable proportion, goal attainment, average annual charge, review backlog, off-track clients and complaints. Outcomes are broken down by risk cohort and vulnerability flags by severity. A banner is raised where more than 20% of the book carries an active vulnerability flag.

The Vulnerable Customer Register listing clients with flag type, severity, notes, review due date, status and edit controls, filtered by severity. — **Vulnerable Customer Register.** Flags are recorded against one of seven types — financial difficulty, cognitive impairment, bereavement, health condition, life event, reduced capability, low financial resilience — at four severities, with the support actions taken and a review-due date. The lifecycle is explicit: active, reviewed, resolved. A flag with no recorded support action shows identification without response, which is the point supervisors examine.

The vulnerability scoring page showing a risk score out of 100 per client, banded critical, high, medium and low, with the contributing score factors listed for each client. — **Vulnerability scoring.** A 0–100 score per client derived from weighted signals: an active flag, an off-track goal, a missing or overdue review, complaints, and service tier. Every score lists the factors that produced it, so the output is explainable and can be challenged. Scoring prioritises; the register evidences the response.

The charge justification page showing each client with their service tier, annual charge, documents delivered in the last twelve months, a value score percentage and a RAG status. — **Charge justification.** Value assessed per client against service tier, annual charge and deliverables in the last twelve months. Scores above 80% read good, 50–80% read review, below 50% read at risk. Total revenue and average value score are reported for the book, and the table exports to CSV for the file.

The fair value assessment page showing service tiers with client counts, total revenue, average charge, on-track percentage, average complaints and a RAG rating. — **Fair value assessment.** The annual assessment grouped by service tier. Green requires an on-track rate of at least 70% and average complaints of no more than 1.0; a breach of either is amber, and multiple breaches are red. The page identifies the tier to remediate rather than reporting a firm-wide average that conceals it.

Cohort outcomes. Goal attainment by risk-profile cohort, with the clients behind each cohort one selection away — goal, target value and date, service tier, vulnerability status and last review. A cohort below a 50% on-track rate raises a warning.

The annual review tracker showing counts for overdue, due soon, on track and total, with a client table showing last review, next review and days since. — **Annual review tracker.** Overdue beyond 90 days, due within 30 days, on track, and the total. Recording a review sets today as the last review date and schedules the next at a chosen interval. The review backlog is the leading indicator of Consumer Duty risk, and it is reported as a worklist rather than a statistic.

The Consumer Duty Board Report showing overview metrics, a risk cohort outcomes table and a fair value assessment table, with export to JSON and print controls. — **Consumer Duty board report.** The annual attestation and outcomes summary assembled in one document: overview metrics, risk-cohort outcomes, the fair value table by tier, and an attestation across the four principles recording who attested, the date signed and the reporting period. Exportable as JSON for the record, or printed for the board pack.

The FCA evidence export page showing the structured evidence package contents and download options for JSON and CSV. — **FCA evidence export.** A structured supervisory package over a stated twelve-month window: overview metrics, risk-profile breakdown, vulnerability breakdown, net-worth summary and recent alert events. JSON carries the full package; CSV flattens it to one row per client for analysis. Generating the board report and the evidence export from the same period keeps the governance pack and the supervisory file consistent.

The audit log showing date and time, user name and email, a colour-coded action badge, resource type and identifier, and IP address for each recorded event. — **Audit log.** A firm-wide activity trail — authentication, role grants, client record access, suitability generation, backups — filterable by action class. Access is restricted to the compliance manager role; every other caller is refused. It is the independent record behind access-control review, incident investigation and data-integrity checks, and it is deliberately separate from the client-facing Account Access view.

The advisory desk

The adviser’s working day, with the file written as it goes

An adviser lands on their management information rather than on a client list, because the first question of the day is which clients need attention. From there the workflow runs through the client record, the risk profile, the recommendation and the letter — and each step leaves the evidence the next one depends on.

The suitability report generator with a completed report preview showing a reference number, date, client name, advice type and the introduction and objectives sections of the letter. — **Suitability reporting.** A COBS 9.4 letter generated against a client record and issued with a unique reference. The letter sets out circumstances and objectives, attitude to risk and capacity for loss, the recommendation and the reasons for it, charges, risk warnings, alternatives considered, next steps and an adviser declaration. Where the client carries a vulnerability flag, a tailored note is added automatically. Reports are retained with their reference and can be reopened.

The risk assessment page showing client selection and the start of an eight-question attitude to risk questionnaire with a progress indicator. — **Attitude to risk.** An eight-question assessment covering experience, objective, tolerance for falls, time horizon, allocation, income stability and attitude to risk. The result assigns a profile — conservative, moderate, growth or adventurous — each with a stated capacity for loss, and writes it to the client’s compliance record so that suitability reporting and supervisory evidence remain consistent with it.

Adviser scorecard. An adviser’s own book measured on the same figures their supervisor sees: client count, on-track rate, vulnerable clients, complaints and average charge, with a per-client table beneath. Self-supervision precedes escalation.

The client roadmap page listing clients who have shared their financial plan, with goals on track, must-have goals at risk, open flags and when the plan last changed. — **Client roadmap.** Planning status across the book: for every client who has consented to share their fact-find, whether their goals are on track, whether a must-have goal is at risk, any open flags, and when the plan last changed. Clients needing attention sort to the top. Only consented clients appear, and every view is logged.

Client portal. A branded, read-only view of a client’s position, issued on a link that expires after a stated number of days and can be revoked at any time. The sections included — net worth, goals, documents — are chosen per issue. Issued links are listed with their status, so a firm can see at any moment what is outstanding.

The client-facing Account Access page listing who accessed the account, their role, the action and the timestamp. — **Account Access — the client’s view.** The same access record, scoped to the client and presented to them: who at the firm opened their account, in what role, and when. Consumer understanding is not only about the documents a firm issues; it is also about what a client can verify for themselves.

Consent is explicit and revocable. An adviser sees a client’s financial planning fact-find only where the client has switched sharing on. Access is read-only, the client can withdraw it at any point, every read is written to the access log, and switching the consent on or off is itself an audited event. Notes and flags an adviser records against a plan are visible to the client, because transparency is a Consumer Duty expectation rather than an option.

Supervision and firm hierarchy

Two views of the same book: who, and which line of management

Platform Overview presents every adviser side by side, which answers which adviser. Firm Hierarchy rolls the same figures up through the reporting structure, which answers which team, and who is accountable. Together they turn a single amber indicator into a specific conversation with a named manager.

The Platform Overview showing adviser count, total clients, platform on-track percentage, vulnerable clients, clients without a review in 90 days, total complaints and average charge, above a table of adviser performance. — **Platform Overview.** Oversight across every adviser and their clients. Each adviser row reports clients, on-track and off-track counts, on-track rate with a RAG indicator, average charge, vulnerable clients, review backlog and complaints. Selecting a headline figure opens the cohort behind it; selecting an adviser opens their full client list.

The Firm Hierarchy page viewed as CEO, showing direct reports, total clients, on-track percentage, vulnerable and complaint totals, above a table of two managing directors with tier badges, client counts, on-track percentages and alert pills. — **Firm Hierarchy.** The organisation navigated tier by tier — CEO, managing director, vice-president, manager, adviser — with a breadcrumb showing position and a summary band for the level in view. Each direct report carries their tier badge, client count, on-track rate, vulnerable count, review backlog, average charge, complaints, and an alerts column that surfaces the specific problems as badges, or a single tick where the position is healthy. Selecting a management-tier row descends into their part of the organisation.

Roll-up, not re-entry

Every figure at every tier is computed from the underlying client records. There is no management reporting layer to populate and no monthly return for advisers to complete, so the numbers a manager reads are the numbers as they stand.

Scoped to the reporting line

A manager’s view is bounded by their own position in the hierarchy: the page opens at their level and shows their subtree. Firm-wide visibility is a compliance function, not a management grade.

Isolated or systemic

A single adviser with a red on-track rate is a conversation. Several advisers under one manager showing amber is a capacity, process or training issue, and the roll-up is what makes the difference visible.

Controls and separation of duties

How access is bounded, and how it is recorded

Client isolationEach household or client is a tenant, and every record carries its tenant. Queries are scoped to the tenant before any data is returned; a member of staff acting on a client supplies an explicit client context, and the platform verifies the relationship — an active engagement, a compliance role or platform administration — before answering.
Adviser scopeAn adviser sees the clients they are engaged with and no others. Which of a client’s accounts they may see is granted per account, not per relationship.
Compliance scopeA compliance manager has firm-wide visibility of the compliance suite and is the only role that may open the audit log. Every other caller is refused.
Management scopeA manager in the reporting hierarchy sees their own subtree, derived from the reporting chain rather than assigned by hand.
Administrative floorThe platform will not permit itself to be left without an active system administrator, and the first administrator cannot be deleted, demoted or deactivated. These invariants are enforced twice — in the application, so the message is useful, and in the database, so a defect or a direct connection cannot bypass them.
Client record accessOpening a client’s overview is written to the audit log with the actor, the role, the resource and the time. Reading a shared financial plan is a separate, separately consented and separately logged event.
AuthenticationPasswords are hashed with argon2id under a stated complexity policy. Sessions use short-lived signed access tokens with rotating refresh tokens held only as a hash. Time-based one-time-password two-factor authentication is available per user; a password reset revokes every session on every device.
Records at restBackups are held inside the database rather than as loose files, may be encrypted with a passphrase using AES-256-GCM, are scheduled with a retention count, and every run is logged.
DeploymentThe platform runs self-contained on infrastructure of the firm’s choosing — on-premises, in a private cloud or in a public one — which supports data residency and sovereignty requirements without a change to the software.

The full engineering and security position

Scope of the platform’s role

WealthHorizon provides capabilities that support a firm in discharging its regulatory obligations. It does not discharge them. The operating firm remains responsible for its own permissions and regulatory status, for its data protection impact assessment, lawful basis, retention policy and subject access handling, for the accuracy of what it records, and for the advice it gives.

Nothing on this page is legal, regulatory or financial advice. Projections and planning outputs are indicative and depend on assumptions entered by the user. Scoring and prioritisation tools are decision support: they direct attention, and the judgement and the record of the response remain the firm’s.

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