The UK advice sector is entering a phase where old operating models no longer hold. Regulation is tightening, client expectations are rising and technology stacks that once felt “good enough” are showing their age. Many firms are trying to scale high-quality advice, but the friction created by legacy systems, inconsistent data and retrospective evidencing is becoming increasingly difficult to ignore.
This Ortec Finance and NextWealth report brings together the views of senior leaders from major wealth managers, platforms and life and pensions providers. Their message is consistent. Firms want to innovate, but only in ways that remain explainable, auditable and defensible. They want scale, but not at the expense of client outcomes. And they want automation, but only if it strengthens governance rather than creating new risk.
The research identifies five themes shaping the next era of planning: evidence-as-you-go, calibrated cashflow, living plans with ongoing monitoring, a unified data spine and glass-box AI. These are practical shifts, not abstract concepts. They reflect changes firms are already exploring as they prepare for Targeted Support and more dynamic, year-round oversight of client goals.
If you are responsible for advice operations, technology, risk or proposition design, this report offers a clear benchmark for where the market is heading—and a candid view of what current models fail to address.
Download the full report to explore what leading firms are prioritising now, and to benchmark your own planning systems against emerging expectations.
Contact
Mark Glover
Managing Director – Head of UK Wealth ManagementRelated Insights
-
04 December 2025PRESS RELEASE: Ortec Finance and NextWealth unveil new industry research: Innovation with IntegrityUK wealth firms call for evidence-led, explainable tech to scale advice safely. New Ortec Finance & NextWealth report reveals five innovations.
-
04 December 2025Innovation with integrity
UK wealth firms call for evidence-led, explainable tech to scale advice safely. New Ortec Finance & NextWealth report reveals five innovations.
-
29 October 2025Quarterly Outlook: Q2 2025The outlook is based on the Ortec Finance Economic Scenario Generator (ESG) and offers our perspective on recent developments in the economy and capital markets.
-
23 September 2025PRESS RELEASE: Ortec Finance powers growth ambition with senior hireOrtec Finance appoints John O’Driscoll to lead OPAL, delivering intelligent advice technology to advisers worldwide.
-
08 September 2025Beyond the portfolioDiscover how goals-based investment planning boosts trust and AuM -up to 15%- with dynamic insights and scalable client engagement.
-
11 August 2025Beyond the portfolio
Discover how goals-based investment planning boosts trust and AuM -up to 15%- with dynamic insights and scalable client engagement.
-
29 July 2025AI in Advice: Assistant or Adversary?AI is reshaping financial advice, enhancing, not replacing advisers. Trust, transparency, and collaboration define the future.
-
17 July 2025Preparing for our International Client Conference 2026The biennial global Ortec Finance Client Conference 2026 will span two full thought-provoking days, featuring engaging, innovative sessions.
-
24 June 2025PRESS RELEASE: New report highlights evolving investment suitability practices in CanadaNew research report reveals how Canadian firms are evolving investment suitability post-CFRs—insights, gaps, and global comparisons.