Our Services

How do you differ from traditional financial advisers?

Traditional financial advisers are expensive

Financial advice in the UK is one of the most inefficient and technology-lacking sectors, with the majority of business being conducted out of small private practices. This leads to high commissions, meaning that for many people, such service becomes inaccessible.

Here at Fintuity we optimise every step of the advisory process to bring you a good quality service at a fraction of the cost of your local financial adviser. We run our business completely online meaning we do not have huge overheads such as travelling, paperwork and administration.

Quality of advice from a small local IFA practice could be very poor

A normal advisory practice consists of 3-5 people, who spend a lot of time travelling to their clients and handling tons of paper documentation. They lack resources to do quality research, most of the time relying on product providers they regularly work with.

Fintuity’s centralised research team constantly monitors the market to bring you the best products that are available out there.

We value every client

Due to the nature of the business, traditional advisers target clients with at least £200,000 of investable assets. That is the point at which you become a “valuable client”.

At Fintuity we strongly believe that good quality financial advice should be available to everyone, irrespective of the size of your savings and investments. Funnily enough, for people with less income, it may be more sensible to have a good financial plan than for their wealthier counterparts.

How do you differ from robo-adviser?

We are completely different. Robo-advisers such as Nutmeg, Moneyfarm or Weathify do not actually provide financial advice to the extent that most people understand it. They do provide discretionary management service available via an online website where people can invest in one of their model portfolios. Such services may be helpful for people who have relatively simple needs and know exactly what to do with their money. It will never be able to help you with more complex service such as retirement planning or full financial review.

Fintuity provides a full scope of financial advisory services and can help with many financial aspects. We can plan your retirement, advice on life and health protection, help to find best mortgage deal and create a comprehensive financial plan for your family.

What type of advice Fintuity can provide?

We provide comprehensive advice on investment, pension, mortgage, life insurance, general insurance, inheritance tax planning. Depends on your needs we can either concentrate on specific areas as to retirement planning or new ISA investment advice or provide a full financial review and create a bespoke financial plan for you and your family.

If you require a specific service which we can not provide at the moment we will refer you to one of our partners integrated on our platform, you will remain our customer and receive all benefits as any other customer of Fintuity.

Are you financial or IT company?

We are both. Although primarily we are a financial company run by people who have worked all their lives in the financial sector, 50% of our business is technology. Fintuity takes best of two worlds, comprehensive service of traditional financial advisers and technology advantages of online services.

What will happen during my first online meeting?

Firstly, your advisor will set up a video call with you. During the call, there will be an introductory fact-find to identify your needs and requirements. Having familiarised himself with your circumstances, the advisor will guide you through potential solutions and recommend a level of service suited to your needs. If you decided to proceed, the advisor will analyse and appraise the data collected and prepare a personal recommendation which will be presented to you in the second online meeting.

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