Solutions for MiFID Firms
Markets in Financial Instruments Directive—unified client lifecycle management
The MiFID Complexity: Suitability, Reviews & Regulatory Record-Keeping
MiFID demands rigorous suitability assessments, ongoing appropriateness reviews, and comprehensive audit trails. As client numbers grow, manual processes become unsustainable.
Governed MiFID Lifecycle—Standardized, Auditable, Scalable
PlutoIFA provides a unified operating layer for client management, advice workflows, and compliance on Sage CRM—covering execution-only, advisory, and discretionary management.
1
Client onboarding & classification
2
Investment planning & recommendation
3
KYC & suitability assessment
4
Transaction execution & recording
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Ongoing appropriateness monitoring
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Periodic reviews & reporting
MiFID Modules & Multi-Portal Architecture
Comprehensive tools for investment advisers and portfolio managers, integrated with your Sage CRM ecosystem.
Client classification workflows
Best execution recording
Automated review scheduling
Suitability & appropriateness tools
Adviser portal for recommendations
Multi-jurisdiction support (UK/EU)
Portfolio valuation & tracking
Client portal for real-time access
Transaction audit trail
Three integrated portals: PlutoIFA Users (back office), PlutoIFA Clients (portfolio tracking), and PlutoIFA Advisers (recommendation management)—all sharing the same governed data layer.
What Changes Operationally
Less Duplication: All client data, portfolios, and communications in one place
Better Oversight: Dashboard monitoring of review schedules, compliance gaps, and adviser workload
Scalable Delivery: Growth doesn’t require proportional compliance headcount
See MiFID Workflows in Practice
Book a personalized demo for MiFID firms. We’ll demonstrate how PlutoIFA supports execution-only, advisory, and discretionary management models.
MiFID Service Models Supported
Whether you operate execution-only, advisory, or discretionary management services—or a combination—PlutoIFA adapts to your business model.
Execution-Only
For non-advised services where clients make their own investment decisions.
Client classification & appropriateness testing
Order execution tracking
Best execution evidence
Automated transaction recording
Client-initiated portfolio changes
Streamlined processing with built-in appropriateness checks
Discretionary Management
For portfolio management services with ongoing authority to trade on clients’ behalf.
Investment mandate documentation
Model portfolio management
Automated rebalancing triggers
Performance reporting
Continuous monitoring & alerts
Scalable portfolio oversight with governance controls
Advisory
For advice-based services requiring full suitability assessments and recommendations.
Comprehensive suitability workflows
Recommendation documentation
Risk profiling & assessment
Periodic suitability reviews
Investment proposal generation
Complete audit trail from advice to implementation
Multi-Jurisdiction (UK/EU)
Cross-border advice models with multi-language and regulatory adaptation.
UK & EU regulatory mapping
Multi-language client portals
Jurisdiction-specific workflows
Cross-border reporting
Localized disclosure templates
One platform, multiple jurisdictions
Many firms operate hybrid models. PlutoIFA’s flexible architecture supports multiple service types within the same platform, with clear segregation and appropriate controls for each.
Why PlutoIFA for Regulated Advice?
Because compliance is already done—it’s embedded in the workflow, not layered on top.
Governed by Design
Firm-defined workflows ensure consistency. Advisers execute within guardrails. Compliance monitoring is automatic. No more “hoping advisers did it right.”
Evidence-Grade Records
Every email, call, Teams meeting, document, and decision is linked to the client record. Complete audit trail from first contact to ongoing review.
Built for Growth
Standardized processes mean you can scale client numbers, add advisers, and enter new markets without proportional compliance overhead.
Ready to Transform Your Regulated Advice Operations?
Join leading financial advisers who trust PlutoIFA to power their client relationships and portfolio management—on a single, governed platform.
