Suitability, planning & cashflow: advice you can evidence
PlutoIFA gives advisers practical tools for risk profiling, suitability, cashflow modelling, and retirement/goal planning—embedded in a governed client lifecycle so every recommendation is consistent, traceable, and audit-ready.
Clear Suitability
Risk profiling and suitability captured in a consistent, repeatable way
Planning Conversations
Cashflow modelling and goal planning that supports real decisions
Audit-ready Evidence
Planning activity sits inside the workflow, linked to the client record
Built on Sage CRM for structured records, workflow automation, and document management.
Suitability and planning are where “good intentions” go to die—usually somewhere between a half-finished risk questionnaire, an outdated fact-find, and a cashflow spreadsheet named Final_Final_v7.
PlutoIFA brings risk profiling, suitability, financial planning and cashflow modelling, and retirement/goal-based tools into one governed system, so advisers can plan efficiently and evidence decisions without building a second career in admin.
Who it’s for
Advisers
Structured planning tools, clear next steps, and meeting-ready context
Compliance
Suitability and planning activity that’s captured as part of the workflow, not reconstructed afterwards
Operations
A consistent planning process across advisers and teams
Outcomes
Real benefits for real advisory businesses
Suitability that stays consistent
Standardise risk profiling and suitability across advisers—without turning advice into a paint-by-numbers exercise.
Planning that’s actually usable
Move beyond static documents with cashflow modelling and goal/retirement planning tools that support real client decisions.
Less rework, fewer gaps
Planning tasks sit inside the governed lifecycle, so nothing disappears into inboxes or personal spreadsheets.
Better meeting preparation
Surface what matters before the meeting—alerts, history, outstanding actions, and planning context in one place.
Stronger oversight without micromanaging
Visibility into where each client is in the advice journey and what’s outstanding.
Audit-ready by design
Planning and suitability activity is linked to the client record and workflow stage, making evidence easier to retrieve when it matters.
How it works
A governed planning workflow is simple in principle: capture → assess → plan → evidence. PlutoIFA turns that into day-to-day delivery:
1
Capture & structure client data
Collect the information needed to plan properly, anchored to the client record and lifecycle stage.
2
Risk profile & suitability
Complete risk profiling and suitability in a consistent way, so advice starts from a defensible foundation.
3
Model cashflow & scenarios
Use financial planning and cashflow modelling tools to explore affordability, trade-offs, and “what if” decisions.
4
Build retirement & goal-based plans
Translate objectives into a plan using retirement and goal-based planning tools—aligned to the client’s outcomes.
5
Keep the work visible
Planning tasks, progress, and outstanding actions remain tracked as part of the workflow, not scattered across tools.
6
Stay ready
At any point, the firm can see what was done, when it was done, and what’s next—without last-minute evidence hunting.
Human-led advice, augmented by AI for meeting and communication intelligence—supporting advisers, not replacing them.
Key capabilities
Everything you need for governed planning and suitability
Risk profiling & suitability
Risk profiling embedded in the advice process
Suitability handled consistently across advisers
Suitability and planning work linked to the client record for traceability
Financial planning & cashflow modelling
Cashflow modelling tools to support planning conversations
Scenario-based thinking built into the workflow (not stuck in spreadsheets)
Planning tasks tracked so progress doesn’t depend on memory
Retirement and goal-based planning tools
Retirement planning and goal-based planning to anchor advice to outcomes
Clear structure for ongoing reviews and suitability over time
Supports consistent delivery across teams and jurisdictions
Workflow-driven & auditable delivery
Planning activity sits inside a governed lifecycle
Tasks, actions, and follow-ups tracked with ownership and status
Designed to keep records current and evidence easy to retrieve
Governance
Suitability and planning are only as strong as the evidence trail behind them. PlutoIFA embeds governance into the planning workflow so that:
- Planning activity is recorded as it happens
- Tasks and outcomes remain visible through the lifecycle
- The audit trail is easier to evidence because it’s part of the process
- Oversight doesn’t require slowing advisers down
Foundation
Built on Sage CRM to unify:
Client Records
Structured client records and interaction history
Workflow Automation
Workflow automation and task management
Document Management
Document management and templates
Marketing Activity
Marketing and engagement tracking
This provides a stable platform underneath investment delivery—so scale doesn’t depend on manual coordination.
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Frequently asked questions
See suitability and planning in action
Walk through risk profiling, suitability, cashflow modelling, retirement/goal planning, and the evidence trail—tailored to the firm’s advice model.
