The clients you can’t afford to review. And can’t afford not to.
Your clients reviewed. Your advisers freed.
A large part of your book costs more to review than it pays you. Consumer Duty still says you have to. Pillar does it for you, inside your systems, under your brand, without your advisers in the room. You keep the relationship. We do the work.
Launch client results
Proof, not promises
200
Client reviews completed
By trained Client Review Managers
5%
Escalation rate
Escalated to your advisers
90%
QA pass rate
Independently quality-audited
£55,000
New revenue generated
From escalated cases
The problem
The annual review model is broken
Consumer Duty evidence gaps
The FCA expects firms to evidence annual reviews for every client. Most firms cannot do this for their long-tail segment. The regulatory risk compounds each year you don't act.
Adviser capacity is finite
Your advisers generate revenue from high-value clients. Pulling them into low-revenue annual reviews destroys their productivity and your margins.
Large long-tail client segments
Firms with 200-2,000 clients below the commercial review threshold have no good option. Internal hires don't scale. Ignoring the problem creates regulatory exposure.
The solution
Three steps. No disruption.
We integrate with your back office
Our Client Review Managers work inside your Intelliflo instance. Same systems, same compliance framework, same audit trail. No data migration.
We conduct the annual reviews
Structured reviews following your firm's process. Consumer Duty compliant. Every review documented, every outcome recorded, every file noted.
We escalate what matters
Around 5% of reviews surface something that needs adviser attention. We flag it, brief it, hand it over. The other 95% are handled without touching your advisers.
What we deliver
A full review service, not a tool
Annual client reviews
Structured, FCA-compliant reviews for every client in your long-tail segment. Conducted by qualified Client Review Managers inside your systems.
Consumer Duty evidence
Every review generates a documented file note, outcome record, and audit trail. Your compliance team gets the evidence the FCA expects.
Escalation and handover
When a review surfaces a change in circumstances, a complaint, or a revenue opportunity, we brief your adviser and hand it over cleanly.
Vulnerability screening
Every review includes a structured vulnerability assessment. Flagged cases are escalated with full context and recommended next steps.
Back office integration
We work inside your Intelliflo instance. No data migration, no new platform, no parallel systems. Your data stays where it is.
MI and reporting
Monthly reporting on reviews completed, escalation rates, client outcomes, and compliance metrics. You see exactly what happened.
Advice and AI
AI can write the review. It cannot carry the responsibility, or the relationship.
The profession is being told to automate. The regulator has been clear it will not write new rules for AI, which means the old ones still apply in full. When a machine produces a client review, a named person in your firm still owns the outcome, and the client still wants a person who knows them.
What the FCA actually said
The FCA has confirmed it will not introduce AI-specific rules. Consumer Duty, the Senior Managers and Certification Regime and existing systems and controls already cover it. That is not a relaxation. It places the accountability for every outcome on a named individual, whether a human or an AI produced the work.
Trust is the part a machine cannot reach
Advice has never really been about selecting a product. It is about trust, built over years of a client feeling genuinely understood. A person remembers the story behind the money: the family, the worries, the plans that changed, and where the client is on their own journey. AI can summarise a fact find. It cannot know a person.
What AI handles well
- Drafting notes from a meeting
- Summarising a fact find
- Producing a first-pass review document
- Flagging routine checks
What only a human brings
- Trust earned over time
- Deep understanding of the client's life
- Judgement on vulnerability and the advice boundary
- Standing behind the outcome
Where Pillar sits
Pillar is the human layer. A trained Client Review Manager runs the review for the part of your book that costs more to serve than it generates, inside your systems and under your brand, building a real relationship with each client over time. The technology does the lifting. The human carries the trust, the judgement, the vulnerability call, the escalation and the audit trail.
You get the efficiency of automation without handing your client relationship, or your accountability, to a piece of software.
Also from Pillar
Pillar Lens: see your book before your auditor does
Lens reads your Intelliflo book and reconciles every client to a single profitability line. A monthly action dashboard and a quarterly Consumer Duty evidence pack, named client by client. On one real IFA book it reconciled £143.8m of AUM and surfaced £9.5m of revenue leakage in a single pass.
£143.8m
AUM reconciled
61%
Of the book unprofitable
£9.5m
Revenue leakage surfaced
54%
Records with a data fault
From the launch client
Built in production, not theory
Pillar was built inside a live IFA firm, our launch client. We conducted structured reviews, documented every outcome, screened for vulnerability, and escalated around 5% of cases back to the adviser. Those escalations generated new revenue for the firm.
The firm kept its ongoing fees, met its Consumer Duty obligations, and freed adviser time for high-value work. No new systems. No disruption. No compromise on compliance standards.
200
Reviews completed
95%
No adviser needed
5%
Escalation rate
£55,000
New revenue
Pricing
Per-review pricing. No setup fees.
You pay for the reviews we conduct. No minimum commitments, no platform licence, no hidden costs. Most firms see 2-3x ROI in year one when you factor in retained fees and escalation revenue.
Regulatory tailwind
CP26/10 changes everything for long-tail clients
The FCA's consultation paper proposes new rules on ongoing advice charges and annual review obligations. Firms that can't evidence reviews face losing the right to charge. Pillar solves this.
Read our CP26/10 analysisStay informed
CP26/10 updates and practical guidance
Regulatory changes, Consumer Duty developments, and operational thinking for IFA firms. Sent when it matters, not on a schedule.
Stop losing revenue to unreviewed clients
Every month without a review programme costs you client retention, regulatory standing, and recurring revenue. Start with a conversation.