Solutions

WealthKernel enables financial institutions to go live with a digital proposition. Whether execution-only, discretionary or simplified advice, we deliver scalable solutions for distributing financial products at low cost and in a matter of months.

Execution Only

Who is this for?
Asset Managers

How long does it take journey?
3 steps: product selection, signup and funding

Additional FCA permission needed?
Financial promotions

Maintenance / integration
Minimal

Access to client analytics
Yes (segmented)

Ability to communicate with client
Yes (segmented)

Cross-promote other funds
Yes

Customer service & support
Yes

Discretionary

Who is this for?
Wealth Managers, DPMs, Fintechs

How long does it take journey?
4 steps: suitability, product selection, signup and funding

Additional FCA permission needed?
None

Maintenance / integration
Low

Access to client analytics
Yes

Ability to communicate with client
Yes

Cross-promote other funds
Yes

Customer service & support
Yes

 

Modules

 

Advice

Our cognitive algorithms interpret data from onboarding in order to assign products to users. This process can be very simple: traditional risk profile mapping, or more elaborate: full financial cross-product advising. This module also monitors ongoing client suitability and features a robust auditing framework for de-risking advice. 

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Fund Management

For partners lacking the fund management expertise in-house, we offer a bespoke discretionary portfolio management service. Simply tell us your requirements along with the profile of your customers and we use this data to build tailored portfolio models. Throughout their life-cycle, we stay fully up to date with any changes in circumstances so the maintenance and evolution of your models is always inline with need.

 

Dealing & Custody

Products assigned to a user are transacted and held with a pre-integrated custodian. For partners looking to use their existing infrastructure, our RESTful APIs can be used directly for a quick and painless integration.

Regulatory Umbrella

Startups or partners without the adequate regulatory permissions for servicing retail customers have the option of becoming authorised representatives, and can get to market sooner.

 

Portal & Reporting

We offer a central dashboard where retail customers can easily access all their products. The portal generates all the necessary reports for complying with UK and EU regulation. A communication portal is included to enable seamless relationship management with regulated or non-regulated staff.

Onboarding & Identification

When we collect user's data, we have an intuitive application process with seamless integration to the relevant databases for identity confirmation. Vital regulatory functions such as KYC (Know Your Client) and AML (Anti-Money Laundering) are covered and we are in constant review of new regulation in order to adapt to change.