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FCA
FCA regulated
All of our services and Independent Financial Advisers (IFA) are fully FCA regulated and qualified.
Completely Secured
Safe & Secure
Your data is safe with us! Similar to your bank, we use above industry security protocols and secure platforms to ensure that your data is safe.
ICO
On our side
Your experience is paramount to us - we offer 100% unbiased, bespoke and compliant advice with a transparent and upfront fee structure.
What is financial advice
What is financial advice?
Simply put, financial advice is the support and advisory service that you receive from a regulated Independent Financial Adviser (IFA) and includes recommendations based on your personal and financial circumstances. Whilst financial advisory can often be confusing, your IFA will help to explain possible options open to you as well as the details of suitable financial products.
How we can help you manage your finances with the right financial advice
A financial adviser is a professional who delivers regulated and FCA compliant advisory services to clients based upon their individual and financial circumstances. With our advice you can significantly improve your financial performance.
ADVISED
80.13%
NON-ADVISED
53.42%
Investments
Based on an average portfolio size, those that engaged an adviser saw an increase in the average size of their investment value as opposed to that manage their own portfolio.
ADVISED
74.53%
NON-ADVISED
65.63%
Pensions
The average size of a UK pension pot for those with a financial adviser is nearly twice the size as opposed to those that have not taken financial advice.
ADVISED
79.43%
NON-ADVISED
55.26%
Savings
As opposed to those who did not seek financial advice, those that engaged an IFA saved an average of £20,000 – £59,000 on cash based savings products.
ADVISED
80.13%
NON-ADVISED
53.42%
Investments
Consumers with advisers save longer and contribute more to investment products, leading to an average of £40,000 more in investment value than those without advisers.
ADVISED
74.53%
NON-ADVISED
65.63%
Pension
Consumers who seek advice on cash-based saving products save an average of £20,000-£59,000 more than those who did not seek advice.
ADVISED
79.43%
NON-ADVISED
55.26%
Savings
The average pension pot for consumers with financial advisers is nearly twice the size of those without advisers.
How it works
1
Book your first online meeting
Simply select "Book your free consultation" and book a convenient time slot to have a preliminary discussion with your adviser.
2
Meet your personal adviser
During the initial fact finding meeting, your dedicated financial adviser will explore all your current and future financial needs and goals.
3
Receive tailored advice
After your initial meeting, your adviser will prepare and present a fully tailored report that will present in detail your financial goals and a plan to achieve them.
Our services
Having been founded in 2017, Fintuity has fast become the only digital Independent Financial Adviser (IFA) in the United Kingdom that offers all the services of a traditional IFA but via our secure online platform. Unlike a traditional IFA, Fintuity offers a wide range of financial advisory services including pensions, protections, investments and mortgage support - the only difference is that as an exclusively digital service we can offer significant time and cost savings direct to you and on demand.
Fintuity Financial Health CHeck
Financial Health Check
We will begin with a full review of your financial arrangements, goals and assets. We all need a check up from time to time and the Financial Health Check will allow us to better advise you.
Fintuity Tax Planning
Tax Planning
We all have different tax requirements. Our advisers will be able to fully advise you on your short, medium and long term tax planning requirements.
Fintuity Mortgage
Mortgages
Buying a home is a major life event - getting the right support, guidance and mortgage product is key and our team are here to help you at every step.
Fintuity Protection
Protections
We never quite know what is around the corner and having the right protection insurances can give you a piece of mind in case the worse should happen.
investments
Investments
Developing an investment portfolio is a long term decision - our team of IFA's are here to help advise you on the right strategy that can yield the results that you expect.
Pension
Effective planning for your retirement is crucial to ensure that you can enjoy the fruits of your labours. Our experienced team will be able to advise you at every phase of your pension planning.
Pension locator
Pension Locator
We will begin by reviewing your existing financial and pensions provision and then locate the best pension product for you.
Remortgage
Remortgaging
If you are looking to release capital from your property, we can help with a service dedicated to remortgaging your existing assets.
Robo advisor
Virtual Advisor
The Virtual Adviser is an innovative AI driven tool that provides a range of financial strategies based upon your current circumstances.
Aviva Vitality Scottish Widows Zurich MetLife
What does financial advice look like in reality?
Simply put, financial advice is the support and advisory service that you receive from a regulated Independent Financial Adviser (IFA) and includes recommendations based on your personal and financial circumstances. Whilst financial advisory can be confusing, at first your IFA will help to explain possible options open to you as well as the details of suitable financial products.
financial advice example report
financial advice example report
financial advice example report
financial advice example report
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We are here to help you
Your first consultation is completely free-of-charge. All you need to do is select a convenient time & date and outline how we can assist you.
About Fintuity
Founded in 2017, Fintuity is a fully digital and FCA regulated Independent Financial Adviser (IFA) that provides a range of services via our proprietary online platform. Fintuity is a wholly online, secure and cutting edge platform that delivers compliant and bespoke advice at below-industry rates.
key
The Digital IFA - Access Advice at Home and on Your Time
Painless, online and paper-free – you can contact your financial adviser from the comfort and safety of your own home. The platform can be accessed online at any time and is available via desktop, mobile and by the Fintuity App.
keep track
Keep track of your finances
With 24/7 secure access to the latest valuations, transactions and performance, you can enjoy complete oversight of your financial strategy on the move with the Fintuity mobile app and website.
low fees
Low fees
Traditional advisory firms both are inefficient and technology-poor, as such tend to charge clients higher fees to compensate for this inefficiency. With lower that industry overheads, we are able to provide the same service as a traditional IFA but with significant cost savings to you.
What our clients say
Client review
I contacted Fintuity to help me source and engage the right mortage advice — having a growing family as well as running a business means that I have very little time. The video linked platform helped me get the right advice when we needed it — Fintuity comes highly recommended!
reviewer
John Aberdale — Management
Consultant, Aberdeen
Client review
Having recently gone through a divorce and having had to assess my finances and assets I was looking to access advice in a safe and cost effective way that could help me make sense of my finances. Having stumbled across Fintuity I was quickly connected with an IFA who helped me get to the bottom of things.
reviewer
Jane Treloggan
Single Mum, Truro
Client review
Buying our first home we were looking for financial advice we could access from home and that was cheaper than the usual IFA route. We came across Fintuity and were impressed by the quality of the fiscal advice we received — Fast, effective and cheaper than traditional routes we would recommend the platform to others!
Mark & Harriet Callendar — First Time
Buyers, Croydon
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Fintuity in the media
Robo-adviser offers free advice to frontline NHS staff
Fin-tech advice firm Fintuity is offering free-of-charge advice to frontline NHS employees and other emergency service workers...
Fintuity launches with free-of-charge advice for NHS staff
National Health Service (NHS) workers are being offered free initial financial advice from Fintuity...
Pension warning: Women £135,000 worse off than men in retirement
PENSION savings are something which will make up a significant part of retirement income for many people...
Robo-adviser offers free advice to frontline NHS staff
Fin-tech advice firm Fintuity is offering free-of-charge advice to frontline NHS employees and other emergency service workers...
Fintuity launches with free-of-charge advice for NHS staff
National Health Service (NHS) workers are being offered free initial financial advice from Fintuity...
Pension warning: Women £135,000 worse off than men in retirement
PENSION savings are something which will make up a significant part of retirement income for many people...
Keep up-to-date with the latest finance and industry news & analysis with our blog!
Fintuity – Your Complimentary Tool for Searchable and Compliant Financial Advice
Whether you are applying for a mortgage, developing an investment portfolio or consolidating your pensions – the finance world can...
An Interview with Fintuity’s Head of Strategy, Ed Downpatrick – We Have Cause to Be Optimistic
We sat down with Edward Downpatrick, Fintuity’s Head of Strategy to assess some of the key topics facing us as...
The Myths of Buy to Let Properties Explained
Over the course of our lives, many of us will think about purchasing a buy to let property, in this article we...
Fintuity – Your Complimentary Tool for Searchable and Compliant Financial Advice
Whether you are applying for a mortgage, developing an investment portfolio or consolidating your pensions – the finance world can...
An Interview with Fintuity’s Head of Strategy, Ed Downpatrick – We Have Cause to Be Optimistic
We sat down with Edward Downpatrick, Fintuity’s Head of Strategy to assess some of the key topics facing us as...
The Myths of Buy to Let Properties Explained
Over the course of our lives, many of us will think about purchasing a buy to let property, in this article we...
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Frequently Asked Questions
Should you have any queries about our services, fees or for any other matter please see below some of our most commonly asked questions. If you cannot find an an answer to your query please do get in touch. For more information and help please check out our Blog and Knowledge Base.
I am having trouble registering or accessing online services – What do I need to do?
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If you are having difficulties accessing your account or any of our online services, then please do get in touch with a member of our our support team by emailing support@fintuity.com. When you get in touch please describ the issue and we will respond to you as soon as we can, normally within 1 working day.
How secure is my personal information?
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We take the privacy and security of your data very seriously. Fintuity takes all precautionary measures to ensure that your personal details are secure, compliant and safe from third parties. Your personal details, account data and all supporting information are fully encrypted and stored on secure servers.
What sort of financial advice does Fintuity provide?
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Unlike a traditional IFA, Fintuity is an online adviser that provides a full range of financial advice via a secure link to our clients. We provide a comprehensive suite of advisory services that includes investment, pension, mortgage, life insurance and general insurance though to inheritance tax planning. Depending on your financial needs, we can either focus on specific area such as retirement planning or advising on a new ISA investment through to the provision of a full financial review and creation of a bespoke financial plan for you and your family. If you require a specific service which we can not currently provide, we will refer you to one of our platform-integrated partners. Either way you will always remain a valued customer and receive all the benefits of the Fintuity community.
Once committed to a financial solution, can I change my mind?
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In the case of services provided by Fintuity

Following the first online meeting with your advisor, they will prepare a suitability report with a set of financial recommendations as well as an action plan which will be explained to you in detail during the second online meeting. If however after receiving the report, you decide not to go ahead with any of the proposed solutions – we will only charge you for the preparation of the report.

In case of financial products recommended by Fintuity

We fully understand that making financial and investment management decisions is not easy, it is your money and you need to be 100% sure before proceeding. With this in mind, if you decide to buy or invest in a financial product that we have recommended, but then change your mind - that is fine with us! You can use the cooling-off period and cancel the contract for financial product in question within 14 days of purchasing it. Whatever you decide to do, we will support your decision. The cooling-off period timeframe applies to most of our financial products, where there are exceptions we will update you.

There are a few exceptions however. With regards to pension products, you will have 30 days from when you enter into the contract and for life insurance products, you will have 30 days from when the provider agrees to the coverage. Some savings products also have different rules and once again we will keep you fully updated. Please contact your advisor or our support team immediately if you want to cancel any of the financial products recommended by us. You can also contact the product provider directly by submitting your request to cancel in writing, by email, or via the website / portal that the provider has provided. At all times we would strongly recommend discussing the decision with your advisor before cancelling your contract with the product provider.

Refunds after cancellation

If you cancel, then you should receive a refund of the money you have paid within 30 days of the provider receiving your cancellation. The provider may make a deduction from the refund in relation to any services which it has provided to you during the cancellation period.  Any deduction must be reasonable and can only be made if you started to receive the services before the 14 days were completed.
What does 'your capital is at risk’ mean?
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Depending on the financial support and advisory that may be required, you may be advised that your 'capital may be at risk' - what does this mean however? Put simply 'capital' is the money that you choose to invest. With market fluctations and other outside risks, an investment will always bear some form of partial or total risk to your funds. Our objective is to provide the best advice that we can to help you minimise your risk profile, however we will always try too reiterate that there will always be a risk to capital placed with any investment.
Book a free consultation
Your first consultation is completely free of charge - all you need to do is to select a convenient time & date and outline how we can assist you.