Human at the front. Smart at the core.

Junior ISA
Setting up new Junior ISAs no longer requires paper forms to be completed – the straight-through online journey made the process simpler to complete. Find out more here.

SIPP income
Instructing changes to SIPP regular income, from flexible drawdown wrappers, became an online process. Find out more here.

Platform charge information made available online
We added the ability to view platform annual charge information on the platform. Find out more here.

Reduced minimum cash holding from 2% to 1%
We reduced the minimum amount of cash investors need to hold in their cash facility from 2% to 1%. We also reduced the level at which the cash amount will be topped back up from 1% to 0.25%.

Default investment strategies
New ‘amend default investment strategy’ option added to Adviser Zone made it easier to manage investment strategies for wrappers not linked via Model Portfolio Manager. It became possible to update strategies and request an adhoc rebalance online.

Pension allowances visibility
A new Adviser Zone feature shows a client’s pension allowances and utilisation, supporting clearer pension planning.

Improved tax code history
Tax code history was enhanced for SIPP clients, allowing advisers to view historical changes directly in Adviser Zone.

Removal of the 10% regular withdrawal limit
The 10% regular withdrawal limit was removed for GIA and ISA accounts, giving advisers greater flexibility when managing client portfolios.

Faster ad hoc income payments
A new online process allowed advisers to request ad hoc income from drawdown more quickly, with automated back-office processing and improved notifications.

Model Percent Drift report
A new report enables DFMs to see how far a client’s holdings have drifted from their default investment strategy.

Pensions Dashboard Programme
Wealthtime pension data is now uploaded to Equisoft’s Pensions Fusion, supporting progress towards the Pensions Dashboard Programme.

Illustrations improvements
Illustrations were updated to reflect regulatory changes, alongside usability improvements to on screen views and PDF outputs.

Secure Lifetime Income (SLI) upgrade
Enhancements were made to Secure Lifetime Income, including improvements to death benefits and valuations.

10 year partnership with Wipro and GBST finalised
A new 10 year partnership was formally agreed, underpinning ongoing platform innovation, service improvement and operational efficiency.

Online verification checks
New online verification functionality was introduced to significantly reduce the time needed to complete data protection checks when contacting us. Find out more here.

Notifications Centre
The new Notification Centre went live in Adviser Zone, replacing Status Updates. It provides a single place to track the latest updates on client cases and submissions. View our guide here.

FINIO
FINIO data feeds were enabled for intelliflo office and Plannr, continuing to improve data quality and reduce manual processing. The list of available back-office providers is always growing – check whether your provider is available, or coming soon, and find out what steps to take to get set up: Visit our FINIO webpage.

Origo Unipass Letters of Authority (LoA)
Origo’s Unipass LoA service was embedded into the platform, enabling advisers to manage Letters of Authority completely online across multiple providers, without picking up the phone.

Adviser Zone upgrades
Enhancements included the ability to view existing cash balances on a wrapper, providing improved visibility and control.

Report Zone improvements
White‑labelling enhancements were delivered, along with improvements to several existing reports.

UI and user experience enhancements
Multiple improvements were made across the platform interface to improve functionality, navigation and login experience.

Strategic partnership announcement
A business transformation partnership with Wipro and GBST was announced, setting the direction for long‑term operational and technology improvements.

New withdrawal process
A new straight‑through online cash withdrawal process for ISAs and GIAs went live. Designed with adviser feedback, the process prioritises speed and simplicity, making it easier to withdraw clients’ money when they need it.

Portfolio Performance Report improvements
The Portfolio Performance Report was updated to improve presentation and performance. The report is now considerably faster and includes a revised date range. It now shows performance from the first transaction.

Transfer process improvements
A new online workflow for transfers was introduced, improving case management and enabling new automation opportunities.

Electronic signatures
Electronic signing was extended to eight providers: Adobe Acrobat Sign, Docusign, Signable, Legalesign, Pandadoc, SignNow, HelloSign/Dropbox Sign and E-Sign.

FINIO
FINIO helps reduce manual inputs and enrich data by connecting platforms with third‑party software providers. Initial FINIO data feeds are now available. Visit our FINIO webpage.

Fund‑specific illustrations
Advisers can now generate fund‑specific illustrations within Adviser Zone. These illustrations list all funds and individual charges provided by FE, helping support clearer client conversations.

Report Zone improvements
Improved descriptions were added to reports, to provide a quick snapshot of each report’s purpose and benefits. We added a new income payments report and updated the Ex‑Ante report to improve the experience for advisers and clients.

Investor Zone improvements
Investor Zone now has a more streamlined and contemporary interface. Enhanced views of financial information and transaction history make it easier for clients to find key information, supporting self-sufficiency.

New GCT Calculator
The latest version of the CGT calculator was released, reducing the time required to import data and calculate figures. Calculations are available much earlier in the day.

Simplified client illustrations
Client illustrations were updated to a clearer, more informative format. The new layout includes more tailored information on savings, investment performance and charges, helping clients better understand how their investments might perform, and how much money they might have in the future.

Secure Email enhancements
Secure Email functionality was enhanced with the ability to download secure messages as PDFs, providing a codified summary to support audit requirements. A new filter also allows advisers to sort messages by adviser, which is particularly helpful for paraplanners.

Extra report availability
An additional income payments report was introduced, allowing advisers to view multiple SIPP clients’ paid income and PAYE information. It is also available at wrapper level in Adviser Zone.

Transaction history improvements
Transaction history was recently refreshed and optimised. Advisers can now download all history from the wrapper’s inception date to the present day in one go, making it quicker to report on client activity..

Flexible Drawdown
Launched in August 2022, Drip‑Feed Drawdown gives advisers greater flexibility when clients need to take money from their pension. It allows tax‑free payments to be taken without crystallising the full tax‑free lump sum in one go.

Simplified charging structure
We introduced a simpler charging model to make fees easier to understand. The number of standard tiers was reduced from five to three, and charges for the lower tiers were reduced from a starting rate of 0.5% to 0.3%.*

_{* Applicable for firms with more than £10m of assets on the platform. Fees for firms with less than £10m of assets were reduced to 0.35% from 1 July 2023}