That’s where technology comes in. Tech platforms are transforming wealth management, turning fragmented, outdated systems into seamless, integrated solutions. This shift isn’t just an upgrade—it’s about empowering advisors to deliver the holistic services that clients now expect.
The Future is Now: Meeting the Needs of Tomorrow’s Investors
Traditionally, wealth management was all about preserving, growing, and transferring wealth across generations. But today’s tech-savvy investors have higher expectations, and the scope of wealth management has broadened dramatically.
Research by FNZ, Deloitte, and ThoughtLab shows investor preferences are changing rapidly. As shown in the graphic below, among 2,000 investors surveyed, 62% are interested in alternative investments, 41% in private banking, 39% in ESG options, and 25% in custom index funds. Top 5 Investor Insights also found that 42% of investors have switched providers due to a lack of product diversity.
According to FNZ’s Chief Product Officer, John Blackman, this is just the beginning:
Retail investors have ever-increasing expectations. What was once cutting-edge is now the baseline.
John continues, "Advisors who want to serve the next generation need to keep pace with these technological enhancements. Whether it’s sustainable investing, property wealth, private markets, or cash products, wealth management platforms now deliver a range of tools previously unimaginable."
At FNZ, we provide our clients with a single end-to-end platform that equips advisors with the tools to serve their clients (end-investors) holistically—enhancing, not diminishing, the value they bring.
What’s more, services that used to be out of reach, like private market investments, are no longer exclusive to ultra-high-net-worth individuals. Technology is democratizing these areas, making them accessible to a broader range of investors, including mass-market retail clients—aligning perfectly with FNZ’s mission to open up wealth for everyone.
The FNZ Approach
At FNZ, we’re not just focused on our core platform—we’re building, investing in, and integrating cutting-edge technologies to create a holistic wealth management solution. Our platform provides access to property wealth, cash savings, private markets, advanced investments, compliance services, and client communication tools—all in one place.
Historically, advisors have needed multiple external solutions to offer a complete wealth management service, adding unnecessary costs and complexity. FNZ’s whole-market approach offers maximum flexibility and choice, enabling advisors to select the right options for each client at every stage of their financial journey.
A key component of this approach is Nokkel, our integrated property wealth solution.
As Roland Whyte, Founder and CEO of Nokkel, says:
Nokkel and FNZ are opening up property wealth through consolidating property data and connecting financial solutions.
Roland continues, "Property is often the largest component of holistic wealth which plays a key role in defining lifetime and estate goals. It’s also an important source of wealth to consider in retirement—whether that’s selling, downsizing or unlocking equity."
AI in Wealth Management: Enhancing, Not Replacing
It’s tough to talk about technology or the future of wealth management without mentioning AI, so I thought—why not ask AI directly? I posed the question to ChatGPT (other LLMs are available): Will AI replace advisors? While I certainly hope not, here’s what it said:
The answer was essentially “no.” That’s reassuring.
FNZ’s position is that AI, when used effectively, excels in two key areas: firstly, it enhances decision-making by processing vast amounts of data quickly, providing insights that advisors couldn’t gather manually. Secondly, it can automate routine tasks such as suitability statements, compliance checks, portfolio rebalancing, and data analysis, freeing advisors to focus on high-value activities.
At FNZ, we’re embracing these strengths and exploring how AI can be used in ways that truly add value. A recent example is our AI Advisor Analytics Dashboard. In addition to displaying consumer duty information, fees, and charges, it offers insights and nudges powered by AI. Our AI uniquely analyzes behavior to make recommendations, enabling advisors to make better decisions and deliver improved outcomes for end-investors.
Importantly, while AI can significantly improve efficiency in wealth management, the human element remains irreplaceable. Technology can handle routine tasks, but it’s the empathy, understanding, and strategic guidance that clients value most from their advisors.
As Mark Polson, CEO of The Lang Cat, said:
The future of wealth management won’t be a choice between AI and human advisors—it’ll be a partnership. AI will handle the heavy lifting, but advisors will still be the trusted source of empathy, guidance, and strategic insight that clients rely on.
Future Trends and Final Thoughts
Technology will continue to play an ever-increasing role in wealth management. As Moore’s Law suggests, technological advancements will accelerate, and what we consider cutting-edge today will soon be outdated. Staying ahead of the curve and adapting is essential.
At FNZ, we’re passionate about technology, innovation, and staying well ahead of that curve. From humble beginnings over 20 years ago to today, our mission has remained the same: to enhance efficiency, offer best-in-class solutions, and make wealth management accessible to all. Our ultimate aim is to enable everyone to invest in their future without barriers and, in doing so, to open up wealth.
Connect with Us
Want to learn more? Meet our Chief Product Officer, John Blackman, at the next Lang Cat event on October 3rd in Edinburgh, Scotland. Explore our studies, "Building a Future-Ready Investment Firm" and “Top 5 Investor Insights,” as mentioned above.
For sales inquiries or to request a product demo of our platform, please reach out to our team here.