Overview

AI can add significant value to financial advice when it works with the full context of a client’s financial position and remains within a controlled professional workflow.

We embedded AI capabilities into the financial planning and advice process, helping transform structured client information and financial plans into useful assistance for professional review.

The goal was not to replace professional judgement. Instead, we placed intelligence directly within the workflow, where it could support the preparation and review of financial advice.

The challenge

Financial advice requires a significant amount of client context, including personal information, employment, income, expenses, assets, liabilities, pension policies, financial goals, risk profiles, existing plans, and selected investments.

The AI experience therefore needed to work with structured financial context while remaining controlled, reviewable, and secure.

AI inside the existing workflow

Client data → Financial plan → Selected portfolio → AI assistance → Professional review → Final recommendation

This keeps AI within the existing advice process rather than creating a disconnected chatbot or standalone AI tool.

Structured data foundation

The AI layer works with information already captured within the wider platform. Client information, financial planning data, risk information, and investment selections provide the context required for useful AI assistance.

By working with structured data from across the platform, the AI can provide more relevant support without requiring professionals to manually provide the same context each time.

AI-assisted suitability reporting

The platform includes an in-browser experience for preparing financial advice documentation, bringing together client context, financial plans, selected portfolios, AI assistance, report outlines, professional review, and final recommendations.

An outline builder and in-browser editor provide a controlled environment for working with generated content before it reaches the final client-facing document.

Human review

AI assistance remains part of a human-controlled workflow. Professionals can review, edit, and refine generated material before the final recommendation is produced.

This keeps professional judgement at the centre of the advice process while using AI to support the preparation of financial documentation.

Financial suggestions

AI capabilities can support financial suggestions based on the broader financial picture.

Because the intelligence layer works with goals, income, expenses, assets, liabilities, risk profiles, and selected investments, suggestions can be connected to the client’s wider financial context.

From internal advice to client approval

The final report experience brings together recommendations, relevant financial information, fees, final advice documentation, and digital acceptance.

This creates a connected path from preparing advice internally to presenting the final recommendation to the client.

Why context matters

A meaningful financial suggestion needs to understand the relationship between different parts of a client’s financial position.

Income, expenses, assets, liabilities, goals, risk profiles, and selected investments can all influence how a recommendation should be understood. The platform therefore treats context as a core part of the AI architecture.

AI technology

The application and AI environment use TypeScript, Bun, Express, PostgreSQL, Prisma, Redis, and BullMQ.

AI integrations include Anthropic Claude and Google Gemini.

Background processing

Redis and BullMQ support background jobs, allowing longer-running operations to be handled without blocking the main application experience.

This helps maintain a responsive product experience while AI and other processing tasks run in the background.

Security

The platform incorporates row-level access controls, field encryption, audit logs, and role-based permissions.

These controls help protect sensitive financial information while ensuring that access and activity can be appropriately managed and reviewed.

Designing for trust

AI in financial products needs to be understandable and reviewable.

The experience therefore places AI inside existing professional workflows instead of presenting it as an autonomous decision-maker.

AI assists. Professionals review. Clients receive the final advice.

Result

The result is an AI-enabled financial advice workflow that brings intelligence closer to the data, planning, and documentation professionals already use.

By connecting AI with structured financial context, professional review, and secure product workflows, the platform creates a practical foundation for applying AI to financial advice.