Ortec Finance, a global provider of institutional-grade technology for investment decision-making, has released new industry research in partnership with NextWealth.
The firms published a joint report, Innovation with Integrity: The Future of Financial Planning Systems, in response to increasing pressure on the UK financial advice sector to scale personalised advice while maintaining evidential rigour under Consumer Duty.
The research report aims to help wealth managers, platforms, and life and pensions providers prepare for a rapidly evolving landscape. With permissions for Targeted Support expected from spring 2026, firms are seeking ways to strengthen advice delivery, meet regulatory expectations, and better support advisers facing rising complexity.
Ortec Finance specialises in delivering advanced models, technology, and market expertise to support risk and return decision-making for financial and real estate institutions globally. Its solutions are used by more than 600 clients managing $15tn in assets, and the company operates across Europe, North America and Asia Pacific.
The research identifies five innovations expected to shape next-generation advice: Evidence-As-You-Go, Calibrated Cashflow, the Living Plan, One Data Spine, and Glass-Box AI. These themes outline how structured data, consistent modelling, transparent automation and real-time monitoring will underpin scalable and compliant financial planning systems.
Additional insights from the report highlight growing pressure from legacy systems, fragmented data, and rising switching costs. Leaders interviewed stressed that unless firms overcome these obstacles, scaling compliant and personalised advice will remain difficult. The report also notes a widening expectation gap from clients as they seek clearer, more dynamic guidance through increasingly complex retirement journeys.
Ortec Finance emphasised that its OPAL platform already reflects many of the research findings, offering institutional-grade modelling, always-updated client plans, explainable projections, compliance-aligned workflows and open architecture. The company continues to invest in evidence-led planning solutions designed to help advisers deliver consistent, transparent outcomes at scale.
Ortec Finance head of UK & Ireland wealth management Mark Glover said, “The landscape for financial advice has never been more dynamic or more promising. Our research shows that firms want to innovate with confidence. They wish to be faster where they can, safer where they must, and always in a way that is explainable to both clients and compliance.”
NextWealth founder and CEO Heather Hopkins said, “The best tools make processes and outcomes better not just faster. Advisers want more time with clients, more space to focus on the conversations that matter, and the ability to deliver better client outcomes consistently. This research provides a blueprint for the technologies and operating models that will support that future.”
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