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A third of advisers routinely use six financial planning systems

That’s six different systems to purchase, learn, and run together. Bringing these together into one frictionless process helps you work more accurately and efficiently. So you can service more clients, deliver better financial outcomes, and run a more profitable business.  

Get extra peace of mind knowing that it’s powered by Defaqto’s data. This covers more than 21,000 funds, platforms, DFM MPS and products, with consistent and robust methodology created and monitored by experts. And it’s a brand that’s recognised by 72% of your clients. 

More than 30% of advisers are using Engage to give their businesses a competitive edge, with recommendations of £43bn going through the system.

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Faster workflow

  • Quickly match clients to suitable products, with integrated cashflow modelling, risk profiling, client reviews and investment strategies.  

  • Cut complexity: a single solution means less rekeying and fewer errors. Integrate tools such as Intelliflo Office, Plannr and Xplan to manage client data at the touch of a button. 

  • Maximise your efficiency by configuring your licence to reflect your Centralised Investment Propositions (CIP) and Centralised Retirement Proposition (CRP). 

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Stronger finances

  • Provide confidence-inspiring journeys that lead to sustained growth in Assets Under Management (AUM), deliver exceptional financial outcomes, and aid client retention.  

  • Save money by using one tool for end-to-end research and financial planning instead of investing in multiple licences. 

  • Reduce staff costs with fewer training sessions and less management time. 

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Better outcomes

  • Offer the best advice every time, with comprehensive research data combined with robust and consistent methodology.
  • Understand your clients’ attitude to risk from the beginning, and explore realistic returns against their goals.
  • Build positive relationships with clients by having the choice and insight to deliver on their needs and earn their trust.
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Greater compliance

  • Maximise client product suitability and identify unusual behaviour in the advice process. 

  • Know that data is accurate and timely, and always meets the latest regulatory requirements, including ESG, PROD, MiFID and Consumer Duty. 

  • Deliver a robust, repeatable process for matching client's risk levels to suitable investments, monitored by a team of Chartered Financial Analysts (CFAs). 

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How Engage works

Give smarter advice with expertly developed, seamless financial planning software.

Key features

Cashflow modelling

Model different scenarios to see how they will impact a client's lifestyle each year, pre and post-retirement.

  • Adjust levels of income over different life stages; add future spend such as holidays and cars; change retirement age and adapt life expectancy. 
  • Adjust retirement income options including drawdown, annuities and UFPLS. 
  • Demonstrate how assets can be used, such as downsizing or releasing equity from the home.
     

We also include the taxes incurred, inflation and stochastic forecasting (from Hymans Robertson). 

Risk profile

Identify and agree your clients’ attitude to investment risk, for either accumulation or decumulation.

  • Use built-in risk profiling to capture your client’s agreed risk level. 
  • Choose from a variety of market-leading risk profile questionnaires.
  • Generate projection graphs that show potential returns and losses, and facilitate open discussions with clients. 

Research

We have a dedicated team of analysts continually researching the market, to give you a full market view of the latest offerings.

  • Access accurate data on more than 21,000 funds, platforms and products, so you know you’re making the right recommendations for your clients.
  • Create and manage built-in templates that suit your central investment proposition and client base, so you don’t have to start from scratch every time.
  • Choose from a range of workflows, from risk-rated multi-asset funds to discretionary fund manager (DFM) portfolios, or build your own model portfolio. 

Pension switching

Compare multiple scenarios to gauge whether clients should stay or switch their defined contribution pension.

  • Programme in your preferred platform and product charges for the proposed new solution. 
  • Link risk profiling and switching together for consistent outcomes. 
  • Get peace of mind that processes are designed to meet FCA guidelines and follow COBS rules. 

Product and platform switching

Total cost comparison tool allows you to compare multiple platforms, GIAs, ISAs, Junior ISAs and bond scenarios quickly and easily.

  • Add any special platform and product terms to the ISAs and GIAs considered for switching. 
  • Set your preferred platform and product charges, and compare them across proposed new solutions to show customers how switching could improve their RoI. 
  • Research alternative options using your preferred platform and investment solutions, to make sure customers’ funds are always in the right place. 

CIC Compare

See current and historic critical illness policies side by side covering 135 conditions that represent approx 99% of claims paid, plus 100 further non scored conditions.

  • Compare products on a whole of market basis, including bank and direct products. 
  • Generate comparison reports in just five minutes. 
  • Use our unique scoring methodology and simple traffic light system to scan results at a glance before you delve into more detailed definitions. 

Recommend & report

Save time and money, and demonstrate robust compliance, with clear reports and audit trails.

  • Generate a full audit report, fund factsheets, fund KIIDS and PRIPS, and product information such as key features and T&Cs, and access them all from one place.
  • Produce comprehensive reports, with content pulled from your research and automatically referenced for a clear audit of your recommendation.
  • Add your firm’s logo to every report to help build your brand reputation.

Review

Make sure portfolios start strong and evolve with clients’ needs, with a simple review process that suits both new and existing clients.

  • Check that investments continue to match agreed risk levels in a few easy steps; revisit client goals and objectives using previously saved cashflow models. 
  • Monitor performance and charges (including MiFID costs). 
  • Show your clients their full portfolio and progress toward their financial goals in the Client Summary hub, then follow up with a client summary report.
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Consistent methodology

Across all workflows, all modules, every advice process and every investment solution.

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Reliable

With proven robust risk rating processes for both accumulation and decumulation.

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Supportive

Free training and ongoing technical assistance for the lifetime of the licence.

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Trusted

Join more than 30% of UK advisers who are already using Engage and benefiting from Defaqto’s 30 years’ experience.

"Defaqto Engage gives you access to a lot of information and everything is integrated. I know the data will be accurate and unbiased. Ultimately, it will provide more accurate forecasts. My clients like it too. As soon as they hear or see Defaqto, they recognise the name from Star Ratings. I can talk about the system we use, and they have confidence in it."
Matthew Lee DipPFS CeMAP Senior Partner at Westside Independent Financial Services LLP

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Partnering with us

Working with Defaqto brings you more than just market-leading products and data. Our world-class service means you’ll also enjoy access to our expertise and ongoing support. 

Our insight experts are always happy to discuss the product and industry landscape as it relates to your own business. While personalised training options for you and your staff are available to help you get the most out of our services. 

See Engage in action

Sign up for a free demo

Your personalised demo will show you how to:

  • run risk profiling, research and investment recommendations for new clients
  • review your clients’ portfolios against agreed objective and risk requirements
  • use cashflow modelling, pension switching, product and platform switching and CIC compare.

Contact enquiry

Call us today on 01844 295 546, email sales@defaqto.com or complete the form.

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