Fees and how the firm works
Your fee structure, such as a fixed fee, an hourly rate or a charge based on the money you manage, any minimum and what ongoing service includes, in the wording your compliance lead approves.
AI chatbots for financial advisers and planners.
A chatbot on your website that answers questions about your fees and services, then books a first meeting with an adviser. It never gives investment, tax or financial advice.
Discuss your chatbot
What people want to know before a first meeting.
How do you charge, is there a minimum, are you independent or a fiduciary, do you work with business owners, can I afford to retire at 60 and what should I do with an inheritance. The first four have a set answer at your firm. The last two are advice, and the chatbot books a meeting instead of answering them.
What people ask a financial adviser, in their own words.
Many write after something changes: a new job, a sale, a death or retirement. The last group is advice, and it waits for a meeting.
Before getting in touch
- Are you a fiduciary?
- Are you independent or restricted?
- Do you have a minimum to invest?
- Do you work with people who don't have much saved?
- Do you do one-off advice or only ongoing?
- Can you advise us if we live abroad?
Fees
- How much do you charge?
- Is the first meeting free?
- Do you take commission?
- Is your fee a percentage of what you manage?
- Can I pay a flat fee instead?
Something has changed
- My dad died and left me some money, where do I start?
- I'm selling my business next year, when should we talk?
- We're getting divorced, can you help with splitting the pensions?
- I've been offered redundancy, can I see someone this week?
- I have three old workplace pensions, can you help me find them?
Questions that need an adviser
- Should I move my pension into your funds?
- Is now a bad time to invest, with the markets like this?
- Can I afford to retire at 58?
- Should I pay off my mortgage or invest?
- Someone called me about a crypto investment, is it legit?
What the chatbot handles.
What it may say is written down before we build.
First meeting bookings
It asks the few questions you set, such as what prompted the enquiry and whether it is for one person or a couple, then offers first meeting times from your advisers' calendars, where they can be shared, or takes a request for your team to confirm.
What to bring
Before the meeting, it sends your list, such as recent pension and investment statements, with your secure upload link, so the adviser starts with the paperwork in hand.
Regulatory status and disclosures
Your regulatory status, registration numbers and documents such as your Form CRS in the US, linked in the chat when someone asks.
Existing clients and review meetings
Clients asking for their annual review, a change of address or a copy of a report are asked for their adviser's name, and the request goes to that adviser or your paraplanning team. The chatbot looks up nothing about anyone's plan or portfolio.
Business owners and employers
Business owners asking about workplace pensions, selling the business or advice for their staff are asked about the size of the company and what they want to discuss, and the enquiry is marked for the adviser who works with businesses.
Introductions from accountants and solicitors
Professionals who refer clients get their own short form: who they are introducing, whether the client has agreed to be contacted and the best time to call. The adviser sees where each introduction came from.
An example conversation.
Tuesday, 8.55pm. Someone has inherited money from their mother and wants to know whether to pay off the mortgage or invest it.
What your team gets. The adviser's diary has a first meeting on Wednesday evening: a couple, an inheritance from a parent, a question about paying off the mortgage or investing, interested in ongoing advice, services and costs document sent. What to do with the money waits for the meeting.
- Visitor: Hi. We've inherited some money from my mum. Should we pay off the mortgage or invest it?
- Chatbot: I'm sorry about your mum. That choice needs an adviser who can look at your whole situation, so I won't give a view on it here. I can book you a first meeting, which is free and carries no obligation. Is it for you and your partner together?
- Visitor: Yes, both of us. Do you have a minimum?
- Chatbot: There is no minimum for a first meeting. For ongoing advice, the minimum and our fees are on the fees page, and the adviser goes through them with you before you agree to anything.
- Visitor: Is the fee a percentage of the money?
- Chatbot: Ongoing advice is charged as a percentage of the money we manage, and one-off advice as a fixed fee agreed in advance. The figures are on the fees page, and your adviser confirms in writing what you would pay.
- Visitor: And are you independent?
- Chatbot: Yes, our advice is independent. Our services and costs document explains what that means, and I can send it with the meeting confirmation.
- Visitor: Great. Can we do an evening on video?
- Chatbot: Wednesday at 7pm is free, or Thursday at 6pm. Which suits you?
- Visitor: Wednesday. I'm Priya Shah.
- Chatbot: Booked for Wednesday at 7pm, Priya. You'll get an email with the video link and a list of statements to have ready. Please keep account numbers and balances out of this chat.
Where it stops.
It never gives investment, tax, pension or financial advice. It stays silent on products, funds and the markets, and it never says what someone can afford. Those questions wait for an adviser, who sees the conversation. Your compliance lead approves every answer before launch.
What it will not do
- It never gives a view on a fund, a share, a pension scheme or a cryptoasset, including one someone already holds.
- It never says what someone can afford, how much they need to retire or what their pension might be worth.
- It never comments on markets, interest rates or the news, even in general terms.
- It never shows reviews, star ratings or testimonials unless your compliance lead has approved how they are used.
- It never asks for account numbers, balances or National Insurance or Social Security numbers.
- It never tells someone to move, cash in or keep a pension.
When a person takes over
- Someone mentions a cold call, an investment offer or pressure to move money quickly: it points to the regulator's warnings, such as the FCA Warning List in the UK, and alerts an adviser.
- A relative, or someone acting under a power of attorney, writing for a client is passed to the client's adviser, who checks their authority before discussing anything.
- A client who wants to withdraw money or sell investments today goes to their adviser or your operations team at once, marked urgent.
- Someone who lives abroad, or is about to move abroad, goes to an adviser, who decides whether the firm can act for them.
- A complaint about advice or a fee goes to the person named in your complaints procedure, and the chatbot says who will reply.
After the conversation.
Each adviser starts the first meeting knowing what prompted it.
Into your CRM
Enquiries and bookings are added to your CRM if its API lets us, or arrive in a shared inbox if it does not.
Follow-ups
The document list goes out with a meeting reminder, and the adviser hears when a booked meeting still has no paperwork.
Automation that pairs with it.
These cover the admin around first meetings and annual reviews, through your CRM and calendar where their APIs allow.
Paperwork before the first meeting
After a booking, the client receives your document list and secure upload link, plus your terms or Form CRS if you send them before meeting, with one reminder. On the morning of the meeting, the adviser sees what has arrived.
Annual review booking
When a client's review is due, they get a link to book their own adviser and a short questionnaire on what has changed, such as a new job or a house move. Anyone who has not booked by your date goes on the adviser's call list.
Updates for introducers
When a referred client books, the accountant or solicitor who introduced them gets a short note that contact has been made, if the client agreed to it. Nothing about the advice goes in the note.
After the first meeting
The adviser gets a task to record the outcome, and a client who has not decided gets one follow-up at the time the adviser chooses. Nothing about products or recommendations is sent automatically.
What we need from you.
Your compliance lead signs off the wording first. Everything else on this list your firm already has somewhere.
Approved wording
Your fees, services, regulatory status and risk wording, as your compliance lead has signed them off. The chatbot repeats it exactly, and any change is signed off the same way.
Who you advise and on what
The clients you work with, any minimum, the areas you advise on and the ones you do not, so the chatbot can say early when someone is not a fit.
Meeting types and calendars
First meetings, reviews and calls, with their lengths, whether they are in person or by video, and which advisers take which. With access to the calendars, the chatbot can offer real free times.
Disclosure documents
Your Form CRS in the US, or the disclosure documents you give clients elsewhere, as links the chatbot can send when someone asks.
CRM and document portal
The CRM you use, such as Redtail, Wealthbox or Intelliflo, and the secure portal clients upload to. Each one's API decides whether bookings and documents can land in the right client record, and we test them first.
Escalation contacts
Who takes urgent client instructions, possible scams, complaints and messages from people acting for a client, and who covers each when they are away.
Enquiries that asked for advice
Enquiries from your inbox and website with names and amounts removed, especially the ones that asked for advice outright, so we can test that the chatbot turns them down and offers a meeting.
If the website needs work too.
People check an adviser's credentials and fees before they book. Those pages are also the chatbot's source, so they must match what compliance approved.
Fees in plain numbers
How you charge, any minimum, what ongoing service includes and what one-off advice costs, if your compliance lead agrees to publish it. A vague fees page means the same question in every first meeting.
Regulatory details people can check
Your firm reference number and a link to the FCA's Firm Checker in the UK, or your registration and a link to the SEC's Investment Adviser Public Disclosure site in the US. The FCA tells consumers to check firms there.
Your Form CRS
SEC-registered advisers that serve retail investors must post their current relationship summary prominently on their website. Put it next to your fees, where people already look.
Adviser profiles
Each adviser with a photo, their qualifications, such as Chartered or CFP status, what they specialise in and who they work with. Clients choose an adviser as much as a firm, so make each profile specific.
Pages for life events
Retirement, an inheritance, selling a business and divorce, each saying what you help with and what a first meeting covers. They match what people search for when it happens.
Testimonials, carefully
If you show reviews or testimonials, your compliance lead decides how. In the US, the SEC's marketing rule requires clear disclosures with them, such as whether the person is a client and whether they were paid.
Money, family and health in an adviser's chat.
People tell a financial adviser things they tell few others: what they have, what they owe, a marriage that is ending. The chatbot needs none of it to book a first meeting. It asks your few qualifying questions, and if you have a minimum, it asks whether the person expects to be above it, with a yes or no instead of a figure.
Health comes up too: a diagnosis that brings retirement forward, or care costs for a parent. Under the GDPR, health data is a special category. The chatbot leaves it alone: no questions about it, and nothing about it in the summary. If an adviser needs it, they ask in the meeting, with the client's consent.
It never asks for account, policy or ID numbers, and statements go through your secure portal. Before launch your compliance lead decides how long chats are kept and who may open them, so they follow the same record-keeping policy as your email.
Questions we hear.
Will the chatbot give financial advice?
No. It describes your services and fees and books meetings. Questions about investments, pensions, tax or how to use their savings go to an adviser.
Will it explain our charges?
Yes, in the wording your compliance lead approves, including any minimum and what ongoing service costs. It does not work out what a particular client would pay.
Can it say whether someone is a fit for us?
It says who you work with and your minimum, if you have one. Borderline cases get a first meeting, and whether you take someone on stays your decision.
Can existing clients book reviews through it?
Yes, where your calendar allows it. Existing clients are asked for their adviser's name, and the booking goes into that adviser's diary. It never discusses a plan or portfolio in the chat.
Clients panic when markets fall. What does the chatbot say?
Nothing about the markets. When someone asks whether to sell, wait or invest more after a fall, it says that depends on their plan and offers a call or a meeting with their adviser. It does not reassure or predict, because either would be a view on investments.
Can it qualify people against our minimum?
Yes, without asking for figures. It states your minimum, if you publish one, and asks whether the person expects to be above it. People below it get the alternative you choose, such as a one-off fixed-fee meeting or a referral, and nobody is asked what they hold.
Does it work for US and UK firms?
Yes. The questions change: fiduciary duty and fee-only in the US, independent or restricted advice in the UK, and different documents to send. You give us your own wording for each, and the chatbot uses only that.
What about people who want advice in the chat?
The chatbot says plainly that advice comes from an adviser and offers the shortest route you provide, such as a phone call, a video meeting or a one-off session. It never starts the advice itself. The guide to deciding what a chatbot hands over shows where to draw that line.
Can it help people find old pensions?
In the UK it can link to the government's Find pension contact details service, which helps people find the provider of a lost workplace or personal pension, if you approve that link. Whether to combine or move pensions is advice, so that question goes to a meeting.
How do we keep it from sounding like a sales pitch?
It answers what people ask and stops. It does not push a meeting on someone who only wanted your fees, and it uses no urgency or promises about results. In the UK, your compliance lead may treat its answers as financial promotions, which must be fair, clear and not misleading.
More for financial advisers.
Solutions
- Lead capture chatbotAsks the first questions and sends sales a complete enquiry.
- Booking chatbotTakes booking requests on your website, even after closing time.
Guides
- How to use testimonials and reviews on your website within the rulesPermission, names, trimming, review widgets and the trades with stricter rules.
- Recording customer calls: when you need consent, and what to sayWhen you need consent to record customer calls, and the line to put in your greeting.
Similar businesses
- Mortgage brokersFirst call requests and document reminders, without mortgage advice.
- Insurance agenciesQuote requests and policy changes, without advice on cover.
- Accountants and bookkeepersNew client intake and document checklists, without tax advice.
The services behind it.
Bring your approved wording.
Add the questions people ask before a first meeting and how they book today. The consultation is free, over Google Meet, a voice call or text.