The event provides a timely opportunity to reflect on over a decade of innovation through the FNZ–Aviva partnership. Together, the two firms have continually evolved to meet the needs of advisers and clients, reviewing progress made, spotlighting current capabilities, and exploring the transformative potential of future technologies.
As technology accelerates and generational wealth shifts, advisers face increasing pressure to deliver deeper personalization, greater scale, and smarter insights. United by a mission to open up wealth, FNZ and Aviva are shaping a platform that enables advisers to strengthen client relationships and drive long-term value at scale.
Key Takeaways:
Past: FNZ technology enabled core infrastructure, automation, and personalized scalability across Aviva’s platform.
Present: Aviva, utilizing FNZs capabilities, recently delivered an Onshore Bond, JISA, client reporting tool, ESG Profiler, and started piloting new analytics tools for advisers.
Future: Aviva and FNZ are focused on evolving the experience and expanding services where AI could become the adviser’s silent superpower.
For over a decade, Aviva and FNZ have worked to empower financial advisers with technology that delivers better client outcomes. Uniting Aviva’s purpose— “With you today, for a better tomorrow”—with FNZ’s mission to “Open up wealth”, the platform continues to evolve at pace.
And in a landscape shaped by advancing technology, shifting demographics, and rising client expectations, this evolution matters more than ever. The Aviva platform—powered by FNZ—enables advisers to deliver at scale without sacrificing personalization. It is designed to help strengthen relationships, deepen engagement, and bridge generational wealth divides.
Let’s look at the Aviva/FNZ journey, reviewing ten years of innovations and exploring the opportunities delivered through AI integration.
Past: Building the Foundations for Scalable Advice
Before AI became the focal point of digital transformation, Aviva and FNZ had already laid the foundations for scalable, adviser-led success.
FNZ served as the core technology powering Aviva’s investment services enabling:
Integrated Wealth Services across financial planning, custody, reporting, and execution
Operational Automation that eliminated administrative inefficiencies
Scalable Personalization for mass-affluent and High net worth clients
Adviser Tools and Portals offering real-time data, reporting, and streamlined workflows
By centralizing technology and simplifying complex journeys, FNZ capability enabled the Aviva Platform to support advisers focus on outcomes, not administration, delivering consistent, compliant, and client-centric service at scale.
Present: Adviser Enablement (2022–2025)
The post-2022 period has seen both firms accelerate their innovation agenda, evolving the platform to meet the changing needs of both advisers and the clients they serve.
Adviser-Centric Innovation:
Client Asset Transfer Service
Enhanced Client Report
Improved Analytics Tools (coming 2025)
New Adviser Hub (coming in 2025)
Operational Simplification:
Platform Consolidation
Enhanced Journeys
Sustainable Investing Alignment:
ESG Profiler Enhancements
Strategic Continuity:
A renewed 15-year strategic agreement (2024) reaffirmed FNZ’s central role in platform innovation and delivery for Aviva
Future: AI as the adviser’s silent superpower?
So, what will the future look like? And what do we think AI needs to do to truly deliver on the promise for advisers?
Artificial intelligence, once confined to rules-based decision trees, has evolved into a powerful ally for advisers. From machine learning models that spot trends in client behavior to deep learning systems that detect subtle shifts in sentiment, AI is becoming a silent superpower—working behind the scenes to enhance human judgement.
Of course, with great power comes great responsibility. For AI to be truly effective, it shouldn't function as a separate tool—AI needs to be embedded, invisible, and contextually intelligent.
To keep pace, advisers need tools that surface opportunity, drive meaningful engagement, and empower human conversations. That’s where AI comes in—not to replace advisers, but to supercharge their ability to stay relevant, responsive, and relational.
John Blackman, FNZ Head of Products commented
The best AI doesn’t get in your way—it just helps you move faster, see clearer, and focus where it matters most. In short, AI isn’t here to replace the adviser. It’s here to elevate them.
The upcoming AdviceTech CatWalk presents a great opportunity to further this discussion, as we’ll hear from startups pitching their tech.
For Aviva, we caught up with Al Ward, Head of the Adviser Platform, for comment:
We believe that strong innovation and a thriving technology sector are essential to the future of financial advice. That’s why we’re proud to sponsor the lang cat’s AdviceTech Catwalk — a platform that brings people together to showcase the incredible innovation and tech capability in our industry. It’s a fantastic opportunity for firms to demonstrate their latest developments, spark meaningful conversations, and help shape the future of advice. We’re excited to be part of that journey.
Conclusion: Empowering the Future, Together
The FNZ-powered Aviva platform isn’t just a system. It’s a shared vision, of scale without sacrifice, intelligence without complexity, and trust without compromise.
Together, Aviva and FNZ are delivering:
A platform that evolves with client needs
Relationship enhancing services that supports every adviser interaction
Tools and services that bridge generations and build trust for the long term
The partnership continues to strengthen and adapt to changes in the market, and we’re excited to be involved in the upcoming discussion at the CatWalk.