Delightful, modern client experiences for financial advice.
In 2025, we built Warren - the UK's first financial planning AI agent - to fill the enormous gap in DIY personal finance tools between simple budgeting mobile apps and regulated financial advice.
The more people we help - 5,000 and counting - the clearer one thing becomes: understanding your money better makes you more likely to seek full professional advice, not less. Advisors offer execution, accountability, optionality - way more than just information.
So why do most people in the UK still never take professional advice?
Cost is, of course, one factor. But it's not the full story. Would 10 times more people really have an advisor if it was 10 times cheaper? How advice is provided today, no chance.
- It's very difficult to find and confidently pick an advisor that is right for you
- Getting onboarded as a new client is far slower and more complex than it should be
- Once you are in, engagement is very limited and done via clunky portals or email
Of course, there are good reasons and multiple trade-offs at play. And innovating or disrupting anything consumer-facing in a regulated environment is not easy. And yet, it must be done.
AI automation and back-office workflow optimisation without a fundamental rethink in the client experience is just making the horse go a bit faster. When the market is obviously screaming out for a car.
Imagine a world where you overhear "Monzo, Netflix, Instagram, Spotify, [Financial Advice App] are my favourite tech products" - kind of outlandish... but that world definitely doesn't have an 'advice gap'.
We want to equip advisors and advice firms with client-facing tools to genuinely transform the advice user experience. Here's what we are working on:
- Helping you demonstrate your value to prospective clients with intuitive cashflow models - Horizon, now in private beta.
- Matching you to people who are ready for full professional advice after meeting Warren - coming soon.
- Using AI to keep your existing clients engaged between annual reviews - coming later.
We think cashflow modelling can be the moment a client finally sees what you see. Done well, it is the clearest way to show the 'why' of working with you - so we obsessed over making it something clients actually want to look at, understand, and talk to you about.
Horizon is an advisor-grade financial modelling engine, blazing-fast, refreshingly free of clutter, and with just enough AI under the hood to make creating a model for a client easier. If the tools you use today feel like a chore, Horizon will be a breath of fresh air.
This is just the start - and we are building hand in hand with advisors like you. Let's meet if you have ideas or feedback.
Meet Warren is not authorised or regulated by the Financial Conduct Authority. Horizon is a planning and modelling tool for use by regulated financial advisors and does not provide financial advice or recommendations.