Now onboarding UK advice firms

The AI operating system for UK financial advisersAdvisers advise.Ava does the admin.

The operating system your firm runs on. Ava prepares the notes, suitability reports, LOAs and provider forms by voice, and you sign them off.

Integrates with Intelliflo and Voyant
A human signs off everything
First 8 weeks free for founding partners

Works with the systems you already run

IntellifloLive
VoyantLive
PlannrComing soon
XplanComing soon

The problem

Disconnected tools don't just cost you money. They stop your firm's growth.

Advisers spend about a third of the day with clients. The rest goes on report prep, compliance and keying the same facts into systems that never remember your clients, so the firm can't grow in advisers or in funds under management.

⅔of the working day goes to admin, compliance and report prep, not clients or new business

31,000UK advisers, broadly flat since 2021. Firms rarely grow from 1 adviser to 2 to 3

6%of advisers are under 30, and the under-25 population fell below 200 in late 2025

Sources: Fidelity Adviser Solutions adviser time study, 2025; FCA Financial Advice Firms Survey 2025 and FCA register data.

What Ava takes off your desk

3 jobs that fill your evenings, prepared before you ask.

Note taker

An AI note taker that knows the client.

It doesn't just transcribe. It writes the brief against the client's history, references them by name, and flags what changed since the last review, including the human details a relationship is built on.

Live transcript on the left, intelligent brief on the right.
Pulls prior reviews, holdings and vulnerability notes.
Hands the brief straight to the report generator.

How AI meeting notes work See it on the course, hole 3 Watch: The Meeting Prep

Note taker · Mr & Mrs SmithRecording

Transcript

AdviserHow is the retirement timeline feeling since we last spoke?

ClientWe'd like to bring it forward a couple of years if we can.

AdviserUnderstood. Let's look at the ISA and the pension together.

Intelligent brief

Client

Mr & Mrs Smith · review 11 months overdue

Change flagged

Retirement target moved earlier. Revisit drawdown.

Human detail

Granddaughter's graduation in June, mention it.

Brief sent to the report generator

Report generator

Reports drafted by Ava, signed by a human.

A suitability report drafted from the brief and the research, then routed for sign-off. The junior produces, the senior approves. 15 ready-made templates, or build your own.

Drafted from the meeting brief and the research.
Senior sign-off required before anything leaves.
Every version kept for the audit trail.

How AI suitability reports work See it on the course, hole 6 How sign-off works

Report · Suitability draft 3Mr & Mrs Smith

Senior adviser sign-off requiredDrafted by J. Hartley · awaiting approval

Objective

Recommendation

aAva drafts→JJunior produces→SSenior signs off

Approve and release

LOAs and provider paperwork

The paperwork, written, sent, read and filed.

Ava writes the letter of authority from your own templates, sends it, chases it, then reads what comes back and syncs the fields to the back office. Provider forms are filled from the client record.

Written from your firm's own templates, worded per provider where they differ.
Sent, then chased until the provider replies.
The reply read from a scan or a photo, and synced before you move on.

AI paraplanning, in full See it on the course, hole 4 Watch: The Morning Hot List

Scanner · LOA_Aviva.pdfRead by Ava

WrittenSentChasedRead

Extracted fields

ProviderAviva

Plan typePersonal pension

Policy numberAV-4471902

Current value£184,250

ClientMrs J Fletcher

Syncing to back office · Intelliflo

Nothing retyped

The round · 9 holes

Walk the course. One connected journey, tee to green.

Every hole is a job your firm does, and the work moves to the next one without re-keying or another login. Press play, or pick a hole.

The 9 holes

Hole 1 / 9The tee · your stack today

The tee · the stack

£8,400 a year on tools that don't talk.

A separate subscription for every job, none of them connected, none of them aware of the client in front of you. Does any of it help you close more clients?

Five logins, five islands, one frustrated adviser.
Compliance bolted on after the fact, never at the foundation.
Avagance snaps the stack into one platform.

Your back office stays. Avagance runs on top of Intelliflo, it does not replace it, so that spend is not in this number.

Your subscriptions today

AI note taker

£1,200 / yr · separate

Does not know the client, and you re-brief it every time

Report drafting

£1,800 / yr · separate

No sign-off workflow

Research and analytics

£2,400 / yr · separate

Lives on its own island

Cashflow planning

£1,800 / yr · separate

Another login, and the fact find keyed again

Compliance monitoring

£1,200 / yr · separate

Bolted on after the fact

Annual spend, disconnected£8,400

Module · Ava

The agent at the centre.

Voice or text. Ava prepares the work, runs the actions across every module, and hands the result to a human for sign-off. A presence in the firm, not a chat window in the corner. A presence that knows your clients and knows you, so you never brief it from scratch.

Ask in plain English. Ava knows which module to use.
Say "take me to the Fletcher file and start a review". Ava opens it and does it, you watch it happen.
Speaks back, or writes back. You choose.
Narrates the next action, so nothing happens silently.

Ava drives the platform for you. Nobody has to learn where anything lives, which is the part that usually kills adoption.

Ava · workspace

Prepare me for the Smith meeting at 2pm. What do I need to know?

Pulling the Smith file. Last review was 11 months ago, ISA allowance unused, and a flagged vulnerability note from January. Their granddaughter's graduation is this June, worth mentioning. Brief is ready in the note taker.

Raise and send the LOA to AvivaDraft suitability reportOpen the Fletcher review

Module · Note taker

An AI note taker that knows the client.

Live transcript on the left, intelligent brief on the right.
Pulls prior reviews, holdings and vulnerability notes.
Hands the brief straight to the report generator.

Note taker · Mr & Mrs Smith

Transcript

AdviserHow is the retirement timeline feeling since we last spoke?

ClientWe'd like to bring it forward a couple of years if we can.

AdviserUnderstood. Let's look at the ISA and the pension together.

Intelligent brief

Client

Mr & Mrs Smith · review 11 months overdue

Change flagged

Retirement target moved earlier. Revisit drawdown.

Action

Unused ISA allowance this tax year.

Human detail

Granddaughter's graduation in June, mention it.

Module · LOAs & provider paperwork

The paperwork, written, sent, read and filed.

Ava writes the letter of authority from your own templates, sends it, chases it, then reads what comes back and syncs the fields to the back office. Provider forms are filled in the platform from the client record.

Writes the LOA in the platform, from your firm's own templates, worded per provider where they differ.
Sends it, then chases the provider until it comes back.
Extracts the reply from a scan or a photograph: provider, plan, policy number and values.
Fills provider forms from the client record you already have.
Back-office sync confirmed before you move on.

Sent by email, with e-signature. Live back-office connector: Intelliflo. Plannr and Xplan connectors are coming soon.

Scanner · LOA_Aviva.pdf

Extracted fields

ProviderAviva

Plan typePersonal pension

Policy numberAV-4471902

Current value£184,250

ClientMrs J Fletcher

Syncing to back office · Intelliflo

Module · Research & cashflow

Research and cashflow, on one canvas.

Market analysis and research built into the platform, powered by institutional market data. Select products, compare them, and preview the impact on the client portfolio in the same view, without a separate research subscription.

Cashflow runs on our own planning engine, on the same client record as the fact find, so the numbers you modelled are the numbers in the report. No separate subscription, and nothing keyed twice.

Whole-of-market data on one canvas.
Lifetime cashflow modelled from the fact find, not rebuilt from it.
Voyant syncs both ways: push a plan out, pull the results back.
Live portfolio impact preview.

Research and cashflow planning are built in, not bolted on. Voyant is a choice for firms that run it, not a requirement.

Research & cashflow5yr cumulative · vs benchmark +6.4%

Global Equity FundDiversified GrowthUK IncomeGilt Index

Portfolio impact

+1.8% p.a.

Risk score

5 / 7

OCF blended

0.41%

Module · Report generator

Reports drafted by Ava, signed by a human.

A suitability report drafted from the brief and the research, then routed for sign-off. The junior produces, the senior approves. 15 ready-made templates, or build your own.

Drafted from the meeting brief and the research.
Senior sign-off required before anything leaves.
Every version kept for the audit trail.

See exactly how this works in the rally.

Report · Suitability draft

Senior adviser sign-off requiredDrafted by J. Hartley · awaiting approval

aAva drafts→JJunior produces→SSenior signs off

Module · Compliance layer

Compliance is the floor everything stands on.

Not a checkbox bolted on at the end. Every action across every module is checked against FCA rules as it happens, and the audit trail writes itself.

FCA-aware checks on every action, in real time.
Audit trail written automatically, not after the fact.
Vulnerability and suitability flags surfaced early.

Compliance · Audit trail

LOA extraction checked against FCA data rules

Aviva · Mrs J Fletcher

14:02

Suitability report flagged for senior sign-off

COBS 9 · junior draft

14:09

Vulnerability note carried into the brief

Consumer Duty

14:11

Product recommendation logged with rationale

Audit trail · immutable

14:14

The model · junior & senior

Bring in a young adviser, safely.

Ava does the work, the senior signs off. It's a safer way to bring a junior into the industry, with senior oversight and a compliance trail on every step, and it can help a small team take on more clients.

Not "fire your staff." One adviser serving 200 clients instead of 100.

Junior adviser

Asks Ava

Two years in, running a real meeting, because Ava carries the depth they haven't built yet. You don't teach them the platform either. Ava does that, so your day stays your day.

1Prepares with the brief
2Runs the LOA and research
3Produces the draft report

Senior adviser

Signs off

Their judgement is the control point, not their typing speed. One senior oversees far more.

1Reviews the draft and rationale
2Checks the compliance trail
3Approves and releases

The 9th · the green

Profitable advice at any level of client assets.

Not all advisers serve the same clients. Some need complex advice on the millions in a family estate; others on the £50K someone worked hard to save. Avagance serves both, from mass affluent to HNW and UHNW, making even the sub-£100K client profitable for a beginning adviser or a small firm, while saving larger practices time, subscription and support-staff cost.

Reach the 91% who can't get advice today.
Double your capacity with the same team.
Ava is available to your clients 24/7, even when you are not.

These are the economics the model is designed to support, not a guarantee.

91%

of UK adults can't get regulated advice today. We're building the firm that can reach them.

31,000 UK advisers9% receive adviceAny size client made profitable

The rally

Nothing leaves the firm without a human sign-off.

Same point, played two ways. Today's stack is a boxing match: 5 disconnected tools gang up on one adviser. With Avagance it's a rally. Ava serves the work, you return the judgement, and the winning shot is a human sign-off.

Five disconnected tools gang up on one adviser. Press play.

You stay in control

Ava prepares, drafts and runs the actions. You or your junior advisers review, confirm and sign off.

Sensitive cases stay human

Cases relating to bereavement, illness or divorce are only ever human-led, and never handled by Ava alone.

Client data stays yours

Handled to UK regulated-firm standards, with access set by role. Client data is never used to train shared models.

Pick your role

However you work, Ava works around you.

See how the platform assists, never replaces, the person doing the job.

01Administrator

The filing does itself.

Ava fills the forms, files the notes, keeps every client record current, and scans LOAs straight into clients' records by voice. You and your junior advisers spend the day on people, not paperwork. Your support staff can fill and file forms on behalf of any adviser.

02Paraplanner

First drafts, in minutes.

Suitability reports and annual review letters drafted from advisers' notes, with client and external providers' information populated automatically, never invented. You refine and produce; the adviser signs off. You can build your own letter templates inside the platform.

03Junior adviser

Run a successful meeting from day one.

Ava provides the depth and knowledge you have not built yet, prepping the meeting, performing the portfolio analysis, construction and research, and producing cash-flow plans for you to present. After the client agrees, it prepares every document for sign-up. You learn the job properly, on the job, with oversight and a compliance trail designed to reduce the risk of mistakes reaching the client.

04Senior adviser

Your judgement, not your typing speed.

Review the suitability letter draft and rationale, check the compliance trail, approve and deliver to the client quicker and easier than ever. Free up time to serve more clients and finally grow your FUM and your firm.

Pricing

Simple plans. Founding partners pay half.

One platform, with options to suit solo, growing and larger practices. Until founding places close on 22 October, every firm joins as a founding partner: the first 8 weeks free, then half the applicable plan below for as long as you stay, so £175 or £300 a month. Same intelligence, same compliance gate, in every plan.

Solo practice

£350 / month

VAT included

Founding partners: £175 / month

1 adviser and 2 support staff included

Full platform access
Same compliance gate, same intelligence

Claim a founding place

RecommendedGrowing firm

£600 / month

VAT included

Founding partners: £300 / month

2 advisers and 3 support staff included

Full platform access
Same compliance gate, same intelligence

Claim a founding place

For 3+ advisers

Custom

3 or more advisers, custom seats and terms

Full platform access
Dedicated onboarding

Book a demo

Add seats anytime: +£300 per adviser, +£50 per support staff. Limits apply. All prices include VAT.

Who built it

A small team, built through the lens of the adviser and the client.

We started from the simplest question. What do I actually need from an adviser? Then we built the system that answers it.

Lithika Ranepura
Co-Founder and CEOMSc in Investments · engineer before investor
Built Avagance from the client's side of the desk, around one question: what does an adviser do that a machine cannot?
Full bio
Dinuwan Fernando
Co-Founder and CTOSoftware engineering, University of Plymouth
Architected and built the platform end to end. His rule: a wrong number is worse than no number.
Full bio
Maria Psarra
Founding Product AdvisorCISI Level 6 Certificate in Advanced Financial Planning
The adviser in the room. She runs her own advice firm, so every product decision is tested against real practice.
Full bio
Mel Abplanalp
Founding Operations AdvisorDipPFS (CII) · Certificate in ESG Investing (CFA UK)
Administrator, paraplanner, planner, then head of operations. She holds every feature to one test: is it actually useful?
Full bio

Board of advisors

Sanat Dhir
Chief Technical Advisor · EngineeringFormerly JPMorgan, Citi, ICAP, Acorns and EvolutionIQ
Full bio
Michael Biedermann
Board of Advisors · GTM30 years in enterprise software sales leadership
Full bio

Why we built it, and the full team

At a glance

Avagance, in plain facts.

What it is: Avagance is the AI operating system for UK financial advisers: one platform that runs on top of your back office. Ava, the agent at its centre, prepares the work by voice or text.
Who it is for: UK financial advice firms, from a solo adviser to a larger practice.
What Ava prepares: Meeting notes and briefs, suitability report drafts, letters of authority (written, sent and chased), provider forms, cashflow planning, market research, and a compliance trail on every step.
Who signs it off: A person at your firm, every time. Nothing leaves the firm without a human sign-off, and cases relating to bereavement, illness or divorce are only ever human-led.
Works with: Intelliflo and Voyant are live. Plannr and Xplan are coming soon. Cashflow planning and market research are built in, so neither needs a separate subscription.
Price: Solo practice: £350 a month. Growing firm: £600 a month. For 3+ advisers: custom. VAT included.
Founding partners: 25 places, open until 22 October 2026. The first 8 weeks are free, then half the applicable plan for as long as you stay: £175 or £300 a month, vat included. No contract.
Regulatory status: Avagance is a software provider. It is not authorised or regulated by the FCA and does not give financial advice. Your firm remains responsible for the advice it gives.
Client data: Your firm is the data controller and Avagance is the processor, under a Data Processing Agreement. Data is held in the UK or EEA, access is set by role, and client data is never used to train shared models.
Company: Avagance Limited, registered in England and Wales, company number 15991387. 128 City Road, London EC1V 2NX.

Questions

Short, true answers.

What is Avagance?

The operating system an advice firm runs on. Ava, the agent at its centre, prepares meeting notes, suitability reports, letters of authority and provider forms by voice or text, and a person at your firm signs everything off before it leaves.

Does Avagance replace my back office?

No. Avagance integrates with Intelliflo and runs on top of it, so your back office stays where it is. Voyant is live too, and Plannr and Xplan are coming soon.

Who signs off the work Ava prepares?

A person, every time. Ava prepares, drafts and runs the actions, then you or your advisers review, confirm and sign off. Cases relating to bereavement, illness or divorce are only ever human-led.

Do I still need separate cashflow and research subscriptions?

No. Cashflow planning runs on our own planning engine and market research runs on institutional market data, both built into the platform. Letters of authority and provider forms are handled in the platform too. Voyant is a choice for firms that already run it, not a requirement.

What does it cost?

Solo practice is £350 a month for 1 adviser and 2 support staff. Growing firm is £600 a month for 2 advisers and 3 support staff. Firms with 3 or more advisers get custom seats and terms. Until founding places close on 22 October, every firm joins as a founding partner: the first 8 weeks are free, then you pay half the applicable plan for as long as you stay, so £175 or £300 a month. All prices include VAT.

How does setup work?

A person from our team sets you up and connects the systems you already run. After that, Ava shows your team around the platform as they use it, so nobody has to learn it from a help article.

How is my clients' data handled?

Your firm remains the data controller for client data and Avagance acts as processor under a Data Processing Agreement. Data is held in the UK or EEA, access is set by role, and client data is never used to train shared models.

Is Avagance regulated by the FCA?

No. Avagance is a software provider, not an authorised firm, and doesn't give financial advice. Your firm remains responsible for the advice it gives.

Disconnected tools don't just cost you money. They stop your firm's growth.

3 jobs that fill your evenings, prepared before you ask.

An AI note taker that knows the client.

Reports drafted by Ava, signed by a human.

The paperwork, written, sent, read and filed.

Walk the course. One connected journey, tee to green.

£8,400 a year on tools that don't talk.

The agent at the centre.

An AI note taker that knows the client.

The paperwork, written, sent, read and filed.

Research and cashflow, on one canvas.

Reports drafted by Ava, signed by a human.

Compliance is the floor everything stands on.

Bring in a young adviser, safely.

Asks Ava

Signs off

Profitable advice at any level of client assets.

Nothing leaves the firm without a human sign-off.

You stay in control

Sensitive cases stay human

Client data stays yours

However you work, Ava works around you.

The filing does itself.

First drafts, in minutes.

Run a successful meeting from day one.

Your judgement, not your typing speed.

Simple plans. Founding partners pay half.

A small team, built through the lens of the adviser and the client.

Lithika Ranepura

Dinuwan Fernando

Maria Psarra

Mel Abplanalp

Board of advisors

Sanat Dhir

Michael Biedermann

Avagance, in plain facts.

Short, true answers.

Win the client, keep the client, and still get your evening back.