A fact-find that doesn't make your paraplanner cry

Wealth Analytica's digital fact-find pre-populates from your Intelliflo client record where you have one, captures everything Consumer Duty asks of a 2026-vintage fact-find for new clients, and propagates straight into the rest of the pipeline — risk, portfolio analysis, proposal. The information your paraplanner gathers gets entered once, lives in one place, and your firm stops paying for the rekeying.

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The rekeying problem we're solving

It's Tuesday, 9:47 AM. Your paraplanner has the client's existing details in your CRM, a fresh fact-find document the adviser took at last week's meeting, and a separate planning tool that needs the data again to produce the cashflow modelling. Each system has its own field names. Each system has its own "required" fields. Each gap surfaces an hour later when something downstream fails to render. The morning's gone.

We've watched this pattern in firm after firm. The 2023 Scottish Widows Paraplanner Survey found 83% of UK paraplanners say their technology could be improved — up from 64% in the prior survey — with rekeying between systems repeatedly named as the top frustration. In firms we've worked with, that translates into a meaningful slice of the paraplanner's working week spent on data movement that adds no information to the firm.

How the fact-find works in Wealth Analytica

The fact-find lives in the same platform as the analytics and the proposal builder. Three things follow from that:

• Pre-population from Intelliflo. If the client exists in your Intelliflo, the basic details — name, DOB, household structure, existing holdings — are already filled. Your paraplanner reviews and amends; the typing job is gone.
• Structured for what FCA actually expects. The fields cover everything Consumer Duty's information needs ask for: vulnerability flags, communication preferences, capacity-for-loss inputs, objectives in the client's words. Where the FCA's published guidance has tightened, the form has tightened.
• It feeds the rest of the pipeline. The risk assessment uses the capacity-for-loss inputs. The portfolio analysis uses the objectives. The proposal builder uses the firm's commentary fields. The suitability report writes itself off the same underlying record.

What gets captured

The fact-find is configurable. Out of the box it captures:

• Personal details, dependants, household structure
• Income, expenditure, surplus, planned changes (retirement, downsize, inheritance)
• Assets and liabilities, including the Intelliflo holdings synced in automatically
• Objectives in the client's words, prioritised and time-stamped
• Attitude to risk and capacity for loss (linked to the risk assessment stage)
• Vulnerability indicators — health, life events, low financial resilience — with the FCA's four-driver framing
• Communication preferences and accessibility needs
• Existing professional advisers (solicitor, accountant, mortgage adviser) for joint planning
• ESG / SDR preferences as a structured field, not a free-text afterthought
• Any free-text commentary the adviser wants to add to the file

Firms with a bespoke fact-find can adapt the field set. Custom sections, custom validation rules, custom required-field logic. The audit trail tracks every change and who made it.

For new clients without an Intelliflo record

New leads coming in through your firm's website land in lead capture and get a fact-find shell against the new client record. Your paraplanner picks up the file at the next meeting, the structured fields capture the data once, and the same propagation downstream applies. Onboarding new clients in 2026 means filling in a structured form, not a 14-page Word document.

What this saves in practice

Firms running fact-find inside Wealth Analytica typically report 8–12 hours a week of paraplanner time back per RI, depending on how fragmented their previous stack was. That's not a marketing number — it's the difference between gathering the data once and gathering it three times. The hour-by-hour breakdown is in our rekeying article.