Advisers Don’t Need Replacing. They Need Reinforcing.

27 Jun 2026

How Fintuity is solving the new advice gap with technology built around the adviser, not around adviser removal

The UK advice market is changing quickly.

The FCA has made the direction of travel clear: millions of consumers are not getting the financial help they need. In its targeted support policy statement, the FCA estimated that around 23 million consumers are underserved by the current advice and guidance market, and targeted support is one of the regulatory responses designed to help close that gap.

But there is a risk in how the market responds.

If targeted support is built mainly as a direct-to-consumer product pathway, it can start to feel less like client support and more like adviser displacement. If AI is used badly, it can reduce complex financial planning into generic automated output. And if large advice structures use technology mainly to centralise control, advisers can find themselves further away from the client relationship, not closer to it.

That is not the future Fintuity believes in.

The advice gap will not be solved by replacing advisers. It will be solved by giving advisers better infrastructure.

At Fintuity, our view is simple:

The platform supports. The adviser advises.

AI prepares. The adviser decides.

Technology removes friction. It does not remove judgement.

The advice gap is becoming an infrastructure gap

For years, the advice gap has been discussed mainly as a consumer access problem. Many people need help with pensions, investments, protection, mortgages, retirement planning and long-term financial decisions, but do not receive full regulated advice.

That problem is real.

The FCA’s targeted support framework is designed to sit between generic guidance and individualised advice, helping groups of consumers with common characteristics make better financial decisions. But targeted support is not the same as personalised financial advice. It does not replace suitability. It does not replace professional judgement. It does not replace the trust built between a client and a qualified adviser.

That distinction matters.

Because the next phase of the market is not simply about giving consumers more digital prompts. It is about helping advisers serve more clients, more efficiently, with stronger evidence, better workflows and less administrative drag.

In other words, the advice gap is also an adviser capacity problem.

Advisers are not short of value. They are short of time.

They are slowed down by incomplete fact finds, manual follow-ups, fragmented client information, duplicated administration, meeting notes, suitability preparation, compliance evidence and disconnected systems.

That is the real bottleneck.

Not the adviser.

The friction around the adviser.

Fintuity’s approach: adviser reinforcement, not adviser replacement

Many advisers are not resistant to technology. They are resistant to technology that treats the adviser as the problem.

Fintuity was built from the opposite starting point.

Our platform is designed to make advisers stronger. It helps clients organise their financial life before the advice conversation. It helps advisers collect better information faster. It helps reduce repetitive administration. It helps create a cleaner, more structured client journey.

But the adviser remains central.

Fintuity does not try to turn regulated advice into a chatbot experience. It uses technology to prepare the ground for better human advice.

That is a crucial difference.

A client can complete a Financial Health Check. They can answer topic-specific questionnaires on areas such as pensions, investments, protection or broader financial planning. They can use an AI-supported journey to help build their financial profile and fact find.

But those tools do not replace the adviser’s role.

They help the client arrive better prepared.

They help the adviser start with more context.

They help the advice process become faster, clearer and more consistent.

Targeted support should lead clients toward advice, not around it

The wrong version of targeted support is one where clients are pushed into generic product journeys and the adviser disappears from view.

That may create efficiency for a large institution, but it does not necessarily create better advice outcomes.

The better version is different.

Targeted support should help clients understand where they are, what questions they need to ask, and when their situation requires proper regulated advice.

That is where Fintuity’s platform is already aligned with the direction of the market.

Our client-facing tools can help identify needs, structure information and surface areas for discussion. But the adviser is still the person who interprets the client’s circumstances, tests suitability, explains trade-offs and gives advice.

This is especially important where client needs overlap.

A mortgage conversation may create a protection need. A pension conversation may raise inheritance tax questions. A cash savings discussion may lead into investment suitability. A retirement planning case may involve later-life lending, family gifting, estate planning and income sustainability.

Real clients do not live in product silos.

So the platform behind the adviser cannot be fragmented either.

The adviser’s real enemy is admin

The modern adviser is expected to do more than give advice.

They must manage onboarding, fact finding, client communication, compliance evidence, review processes, vulnerability considerations, document workflows, meeting records and follow-up actions.

For self-employed advisers, appointed representatives and smaller firms, that operational load can become a serious drag on growth.

This is where Fintuity’s technology matters.

The platform supports automated follow-up emails. It can remind clients to complete missing information. It can help structure financial profile data. It can support call transcription, meeting summaries and action points. It can help propose fact find updates after client conversations, subject to adviser review.

That last point matters.

The adviser stays in control.

The system can prepare, summarise and suggest. The adviser reviews, edits, approves and advises.

This is not automation for its own sake. It is automation in service of adviser capacity.

Why governance matters as AI enters advice workflows

The FCA has been clear that AI adoption in financial services must be safe, responsible and well governed. It has said it does not currently plan to introduce a separate AI rulebook, but instead expects firms to apply existing frameworks such as Consumer Duty, SM&CR, governance and controls.

That is exactly why adviser-in-the-loop technology matters.

AI without governance is a risk.

AI that supports a controlled adviser workflow is different.

Fintuity’s approach is not to let AI independently replace advice. It is to use AI and automation to reduce friction in the advice process while keeping professional judgement where it belongs: with the adviser.

This is also consistent with the direction of travel in the appointed representative and principal-firm market. HM Treasury has proposed a new permission gateway for firms acting as principals, with a focus on whether firms have the expertise, resources and systems to oversee ARs properly.

The message is clear: the future of advice distribution will require better infrastructure, better oversight and better evidence.

That is the world Fintuity has been building for.

Why this matters for IFAs and mortgage advisers

For IFAs, the opportunity is clear.

Clients need more support, not less. But advisers cannot scale if every step depends on manual chasing, disconnected systems and repeated administration.

For mortgage advisers, the same shift is happening.

Mortgage advice increasingly connects with protection, affordability, later-life lending, family planning and wider financial resilience. The adviser who can connect those needs into a broader client journey is more valuable. But doing that well requires infrastructure.

A modern advice platform should help advisers:

onboard clients faster
collect better information earlier
reduce incomplete fact finds
automate routine follow-ups
improve meeting documentation
support compliance evidence
identify broader advice needs
create smoother referral and handover journeys
spend more time advising and less time administering

That is what Fintuity is designed to do.

The Fintuity view: the future is technology-enabled advice

The market is moving toward targeted support, AI-enabled workflows, stronger Consumer Duty evidence and sharper oversight expectations.

Some firms may respond by trying to move the adviser out of the journey.

Fintuity is taking the opposite path.

We believe the adviser is still the most valuable part of the advice relationship. The client does not only need information. They need judgement. They need context. They need someone who can understand complexity, explain trade-offs and take responsibility for advice.

Technology should not weaken that relationship.

It should strengthen it.

That is why Fintuity’s platform is built around adviser reinforcement. Client tools prepare the conversation. AI-assisted workflows reduce friction. Automation removes repetitive admin. The adviser remains at the centre of the relationship.

The future of advice is not adviser versus technology.

It is unsupported adviser versus technology-enabled adviser.

And Fintuity is built for the second future.