Aviva partners with Ortec Finance to expand access to financial advice

London, [9.7.26] – Aviva has selected Ortec Finance as its technology partner to enhance its customer guidance and financial planning proposition.

The partnership will see Aviva use Ortec Finance’s OPAL platform, supported by Yellowtail Conclusion’s CORD integration and orchestration platform, to create an integrated and end-to-end digital guidance and advice solution, supported by human advisers, to offer more Aviva customers access to engaging personalised guidance and financial advice.

This marks a meaningful step in Aviva’s commitment to close the advice gap and help improve the financial wellbeing and retirement outcomes of more UK adults. Advice has traditionally been aimed at the affluent, but Ortec Finance’s OPAL allows Aviva’s planners to scale their financial advice offering and make advice more accessible for Aviva’s customers.

Ortec Finance is a global expert in investment decision-making technology. Its wealth management software, OPAL, uses institutional-grade forecasting and optimisation to help advisers, wealth managers and banks monitor their clients’ investment portfolios through dynamic updates that track the conditions and outlook of financial markets.

Yellowtail Conclusion is a proven technology and implementation partner for banks, insurers, and pension providers. It combines financial domain expertise with an open, innovation-first technology platform that orchestrates financial planning logic, calculations, market integrations and, regulatory requirements into trusted digital advice.

Embedding advanced modelling into the advice journey supports more informed financial decision-making, especially at critical moments such as retirement.

The collaboration reinforces both parties’ position as a long-term infrastructure partner for advice-led institutions in the UK and Ireland.

Mark Glover, Head of Wealth Management UK & Ireland at Ortec Finance, said:
“The UK market is entering a new phase, shaped by targeted support and a growing expectation that advice can be delivered at scale. Aviva is taking a leading role in that transition. We are proud to provide an end-to-end solution that enables advice to remain consistent, transparent and evidence based as it reaches a much broader population.”

Riaan de Bruyn, Director of Consumer Wealth at Aviva, added:
“Closing the advice gap is one of the most important challenges our industry faces, and as the largest pension provider in the UK, it is imperative that Aviva helps our customers achieve the financial and retirement outcomes they deserve.

“At Aviva, we’re clear that personalised guidance is critical to drive engagement at scale and the Targeted Support regime will further enable us to address the advice gap with clear suggestions for customers to engage with their pensions and take their next steps with confidence.

“But we believe that financial advice remains the gold standard for more complex needs and that advisers play a vital role in giving our customers the confidence to make these important life decisions.

“Our partnership with Ortec Finance reflects our ambition to serve this customer need across the guidance and advice continuum. Their expertise in financial modelling and planning technology will allow us to deliver robust and valuable support and advice at scale.”

Tessa Kuijl, Managing Director Global Wealth Solutions at Ortec Finance, added:
“This partnership reflects the kind of long-term commitment we are making in the UK market. By combining Aviva’s advice expertise with our institutional-grade modelling, we are enabling a new standard of financial planning, one that extends high-quality advice beyond traditional segments without diluting its rigour or suitability.”

The agreement establishes Aviva as another key anchor client in the UK, strengthening its presence as a strategic partner to banks, wealth managers, pension providers and insurers.

It also lands at a crucial moment for the market. The UK's Targeted Support regime went live on 6 April 2026, allowing firms to help consumers at scale for the first time and creating clear demand for technology that can deliver advice efficiently and consistently.

Targeted Support sits between generic guidance and full, personalised advice. It lets authorised firms offer ready-made suggestions to groups of consumers who share common characteristics and financial needs, rather than assessing every individual case. The aim is to reach the millions of people who currently fall outside traditional advice and help them make better-informed decisions about their pensions and investments. Ortec Finance is well placed to support firms operating under the new regime. Its scalable technology gives firms the modelling, governance and audit trail needed to deliver consistent, evidence-based suggestions across large customer segments, while keeping outcomes aligned to each consumer's goals.

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