Research
FTRC produces detailed reports providing extensive analysis of key industry issues. These are updated monthly to reflect the latest changes in the marketplace. Current studies include:
A summary of technology used by adviser firms and how it impacts the selection and recommendation of financial products, platforms and asset managers.
PAST REPORTS:
Produced ahead of the 2018 and 2019 Auto-Enrolment contribution increases, this report examined what rising pension contributions would mean for household budgets — and what a best-in-class financial wellness model needed to look like in response.
The core challenge it identified remains as relevant as ever: millions of UK consumers want to save but have never been equipped to do so. With cost of living pressures now more acute than at any point in recent memory, the financial wellness frameworks explored in this report provide a practical, evidence-based foundation for anyone working to improve consumer financial resilience.
Millions of UK consumers want to save — but they’ve never been shown how.
The report looks in detail at how providers, advisers and technology companies can help consumers find room to save — even in difficult economic conditions — to ensure that contribution increases are met, opt-out rates stay low and providers retain the assets they’re counting on.
The role of technology in financial advice has shifted from competitive advantage to operational necessity. AI tools, open banking integrations, cash flow planning software and digital client engagement platforms are now central to how advisers serve clients, manage compliance and run sustainable businesses.
This report examines the technology landscape in depth — the systems driving asset, platform and wrapper selection, the emerging tools that should be on every adviser’s radar, and a clear-eyed view of where the market is heading. Supported by case studies from the UK and internationally.
Demand for financial advice far outstrips what the current market can deliver. Technology is the only credible answer — but getting it right requires understanding which tools matter and how to integrate them effectively.