Pillar Lens
The book your principal cannot see, named client by client.
Pillar Lens reads your Intelliflo book straight out of the platform and reconciles every client to a single profitability line. Every quarter, a Consumer Duty Evidence Pack lands in your compliance file, named client by client, FCA PS22/9 aligned. Every month, the action dashboard tells you what changed.
All figures from a live UK IFA book reconciled by Pillar Lens, firm name redacted. Cost-to-serve modelled at £1,500 per advised client per year. Full methodology and sensitivity in the anonymised board pack, available on request.
The advised book splits three ways.
147 clients out of 512 generate 72% of the recurring revenue. 314 sit below cost-to-serve. The principal cannot see this from inside Intelliflo today. Lens surfaces it in one pass.
The data faults Lens finds
- 190no service status set
- 174out-of-force plans still attached to live records
- 24deceased clients still on the live book
- 22ongoing fees recorded with no linked AUM
- 19valuations more than 12 months stale
- £19.7mout-of-force value sitting against active records
The fault that costs money now
30 clients hold £9.5m of AUM with little or no recorded ongoing fee. Either being serviced for free or the fee is misbooked in Intelliflo. Either way it is money. Lens names every one of them so they can be checked.
This is what the recurring fee earns. Lens does this every month and produces the quarterly artefact your board needs.
Two artefacts. Monthly and quarterly.
Lens delivers something every period the principal cannot get from a one-off diagnostic. That is what the recurring fee earns.
The action dashboard
Per-client deltas since last month. Anomalies flagged. Action queue with completion tracking. Tells you what changed and what to act on this month. Three components. No more.
The Consumer Duty Evidence Pack
Auto-built per firm. Names every advised client below threshold. FCA PS22/9 aligned price-vs-value evidence. Drops in the compliance file. Meets the board-attestation requirement. The artefact your board needs that no other tool produces.
The platform tier
Lens watches the book continuously. Reads Intelliflo via the Office login route today (no API certification required to start), or via the API once Intelliflo Store cert clears. Plannr live next, Iress XPLAN in flight.
Pricing tied to what you get.
Flat platform tier for the always-on dashboard. Per-advised-client variable on the Consumer Duty Pack each quarter. You only pay for what the Pack covers. You prune the book, the bill comes down.
Single advisor
1 to 3 advisers
- ✓Monthly action dashboard
- ✓Quarterly Consumer Duty Pack
- ✓Quarterly rolling commitment
- ✓Office-login or Intelliflo API
- ✓Email + Teams support
Practice
4 to 7 advisers · most popular
- ✓Monthly action dashboard
- ✓Quarterly Consumer Duty Pack
- ✓Quarterly rolling commitment
- ✓Adviser-level segmentation
- ✓Lens to Pillar Reviews handoff
- ✓Priority onboarding
Group
8 or more advisers
- ✓Monthly action dashboard
- ✓Quarterly Consumer Duty Pack
- ✓Quarterly rolling commitment
- ✓Multi-firm consolidation
- ✓Custom RMAR pre-fill
- ✓Named account manager
Worked example. A firm with 4 advisers and 500 advised clients pays £700/mo flat (£8,400/yr) plus £10,000 per quarter on the Pack (£40,000/yr) = ~£48,400 per year. Variable scales naturally with the size of book the firm actually services. Prune the book, the bill comes down.
The upfront diagnostic
Before the subscription starts, Lens runs a one-off deep diagnostic on your live book: full reconciliation, named client list, Consumer Duty Pack methodology, data-quality findings, action list. Pillar branded, board-ready.
How it works.
No new system for your team. Lens reads your Intelliflo via the route that already exists.
30-minute diagnostic call
Brian walks you through the anonymised Lens output from a real IFA book. You decide if it lands.
Reconciliation on your book
Lens reads your Intelliflo. No API, no certification required. Same MI Reports your Operations Manager already uses. We produce your diagnostic Pack within 5 working days.
Monthly dashboard + quarterly Pack
Lens runs on schedule. Monthly delta dashboard. Quarterly Consumer Duty Pack into your compliance file. Action queue tracks what is done versus what is open.
“We have run Lens on the Paterson Financial Planning book overnight, end to end, with no API, no certification, straight out of Intelliflo Office Reports. First time we have ever pointed it at a real client book.”
Methodology.
Lens output is management information for the firm's own Consumer Duty assessment. Not regulated advice. Not a suitability assessment. Every Pack is reviewed by a human before delivery.
What goes into the Pack
- Per-client AUM in-force from Intelliflo Funds Under Management
- 12-month recurring revenue from Adviser Monthly FCI Statement (Ongoing Fee + Renewal Commission + Fund-Based Commission, gross of VAT)
- Modelled cost-to-serve with sensitivity table at £1,200, £1,500, £2,000, £2,300
- Bands: Profitable (revenue above 1.5× cost), Marginal (1.0 to 1.5×), Unprofitable (below cost)
- Data-quality flags traceable to source records
- Board attestation block, sign-off for principal and compliance officer
What it is not
Not advice. Not a suitability assessment. Not a recommendation. Lens does not tell the firm what to charge or which clients to keep. It surfaces the data the principal cannot see in Intelliflo, then leaves the decision with the firm.
Pillar does not retain client-level data after Pack delivery plus 90 days. DPA addendum signed before onboarding.
30 minutes. See what Lens finds in your book.
Anonymised Pack from a real IFA book on the call. If it lands, we run the diagnostic on yours within the week.
Book a call with Brian