02 — Bespoke Investment Solutions
The future of bespoke portfolio management.
Three ways to strengthen portfolio management: next generation intelligent model portfolio technology to run it yourself, a managed service that runs it for you, or advisory and governance support for the investment function itself.
Next Generation Intelligent Model Portfolios
One intelligent model. Every client portfolio, personalised.
Who It’s For
Advice businesses that want to personalise portfolios for every client, without adding cost or complexity.
Wealth and investment advisers, licensees and dealer groups, and investment committees that manage client portfolios across bespoke accounts and multiple platforms, and need to do it consistently at scale.
The Challenges They Face
One model for everyone. Standard model portfolios ignore each client’s holdings, tax position and preferences.
Managed accounts have constraints. They tie models to a single platform’s menu, rules and infrastructure, and need scale to work, so they don’t suit every business.
Manual reviews and rebalancing. Bespoke portfolios take hours each to review, trade and document.
Slow to respond. Committee decisions take weeks to reach every client account.
Limited oversight. No single view of compliance and risk across advisers, accounts and platforms.
Your Research, Your Policy
You decide the investment approach. The intelligent models apply it to every client.
Advisers and investment committees provide their own research, asset allocation and policies. These are loaded into the intelligent models, which then deploy them to each bespoke client account, adjusted for that client’s holdings, tax position and preferences.
You provide
Investment committee
Policies, approved products and risk limits
Your research
House views and asset allocation
Advisers
Client goals and preferences
WEALTHPILOT
Intelligent
models
models
Your policy, applied
Deployed to bespoke accounts
Client ATax deferred
Client BIncome drawdown
Client CExclusion applied
Client DCash held
The Solution
Decoupled from platforms
Custom strategies across platforms without limitation, from one model.
Fits your existing systems
Manages portfolios without moving client assets or replacing current tools.
Flexibility through built-in intelligence
Built-in intelligence manages bespoke accounts and each client’s individual needs and preferences.
Trade instructions and advice documents
Trades created for platform execution, with documentation generated in the advice tools you already use.
Centralised visibility and control
Capture and streamline decisions across bespoke accounts on multiple platforms.
Governance built in
Apply policies, surface risks and remediate efficiently, with agility and precision.
How It Works
Intelligent models at the centre controls client portfolios across several platforms at once. Each portfolio is solved individually, so no two allocations look the same, and one policy change updates them all.
Why it’s different
No managed account infrastructure needed
Runs across bespoke accounts on the platforms you already use.
More flexible
Every account is solved individually, so each portfolio fits its client.
A range of models to suit every need
Create as many models as your business needs, without platform constraints or added cost overheads.
The Problem: Personalisation That Cannot Scale
Scale and personalisation have been treated as a trade-off.
Advice businesses have had to choose: run clients on uniform models that scale but ignore individual circumstances, or manage bespoke portfolios by hand and cap how many clients can be served well. Neither delivers the outcome investors actually need.
The Constraint
Existing infrastructure was built to make portfolios identical.
Managed account platforms solved a real problem: implementing one investment decision across many accounts at once. They achieved it by removing the differences between those accounts. Every linked portfolio mirrors the same holdings at the same weights, and the efficiency depends on that uniformity.
That works until a client has a legacy holding they will not sell, an unrealised gain they do not want crystallised, an exclusion, or a tax position that makes the standard trade the wrong one. At that point the account is either forced into the model at a cost, or taken off it and managed by hand.
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The Shift
Intelligent models carry the decision, not the holdings.
A traditional model is a list of positions to be copied. A WealthPilot intelligent model is the investment policy itself: the objective, the allocation ranges, the approved universe, the trading rules, and the review parameters, travelling with the model rather than sitting in a document beside it.
Applied to an account, it does not copy weights. It reads the account as it actually is and solves for the best available portfolio under that policy, which is why personalisation stops being the thing that breaks scale.
The result is hyper-personalisation at scale. Every portfolio reflects the individual client: their goals, holdings, tax position, cash needs, preferences and exclusions. One model can serve thousands of clients, and no two portfolios need be the same.
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Features
Built for efficient and responsive bespoke portfolio management at scale.
Nine capabilities that separate intelligent models from traditional model portfolio infrastructure.
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Intelligent Automation
An embedded three-step review workflow.
Every review follows the same three steps, from information capture to implementation, with advice documents and client consent built into the flow.
Step 01
Information capture
Client data and the latest research
Step 02
Optimisation review
Each account solved against the model
Step 03
Implementation
Advice, consent, trades and closure
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Speed and Efficiency
Human hours removed from the investment process.
Human time involvement in the WealthPilot process compared with the alternatives businesses currently employ, across high-volume investment operations activities.
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Human hours involved per activity, comparing the WealthPilot process with two processes observed in advice businesses.
Benefits
What changes for each party.
Business Improvements
Higher quality
Improved efficiency
Lower cost
Reduced risk
Visibility and control
Greater responsiveness
Better client portfolio outcomes
Three Solutions
Three ways to deliver bespoke portfolio management at scale.
Each of our solutions is built for businesses that are serious about portfolio management. Whether you run the technology yourself, hand investment operations to our specialists, or strengthen the governance around your investment committee, each one delivers a significant uplift in capability, so personalised portfolios can be run properly across the whole client book.
Solution 01
Technology Solution
Portfolio management technology that integrates personalisation with automation to produce optimised, client-specific portfolios. Run inside your business, alongside the platforms and advice tools you already use.
The technology solution →
Solution 02
Investment Operations Managed Service
An institutional-grade outsourcing utility for firms that would rather not operate the mission-critical investment operations function themselves. Our specialists run the end-to-end optimisation review function on the same technology.
The managed service →
Solution 03
Investment Advisory & Governance
Support for the investment function itself: committee structure, investment policy and mandates, research input, and the monitoring that proves decisions reached client portfolios.
Advisory & governance →
Solution 01 — Technology Solution: Cloud-Based Software Service
Run intelligent model portfolios inside your own business.
For advice businesses and licensees with their own investment team. WealthPilot is delivered as software as a service: a subscription to the platform, hosted and maintained by us, that your team operates on the platforms and advice tools you already use. Your investment committee sets the policy; your team runs the reviews.
What Is Included
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Who It Suits
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Getting Started
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Solution 02 — Investment Operations Managed Service
We run your investment operations for you.
An outsourced investment operations function for advice businesses running bespoke portfolios, or unable to use managed account infrastructure. Our specialist team operates the WealthPilot technology on your behalf and runs every portfolio review end to end using best-practice, efficient and high-quality processes, while your advisers keep the client relationship and your investment committee keeps the policy.
How The Service Works
Your committee sets the policy and your advisers keep the client. Our team runs every review in between, on WealthPilot technology.
What Is Included
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Who It Suits
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Outcomes
Efficiency
Streamlined best practice processes reduce administrative burdens.
Focus on clients
Advisers prioritise client relationships and strategy instead of operational complexity.
Cost-effective
Removes the need for extensive in-house investment operations teams, at lower cost, while unlocking capacity for higher quality research services.
High quality and safe
Better tools mean greater accuracy and precision; rigorous standards and robust quality assurance frameworks reduce operational risk.
Investment Advisory & Governance
Support for the investment function, not just the portfolios.
Technology does not fix governance on its own. We work with boards, licensees, and investment committees on the structure around the decisions: who decides what, on what evidence, and how it is proven to have reached client portfolios.
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Standing up the governance framework
From first review to a working committee in around twelve weeks.
01
Weeks 1–4
Assess
Current-state governance review
Decision rights and gaps mapped
Priorities agreed with the board
02
Weeks 4–8
Design
Committee charter and terms of reference
Investment policy and delegations
Approved product and model framework
03
Weeks 8–12
Establish
Committee constituted and members appointed
Decision cycle and paper templates
Records, minutes and audit trail set up
04
Ongoing
Operate and embed
Monitoring against policy, exceptions flagged
Regular reporting to the board
Annual review of the framework
What it looks like when it’s running
Board
Sets risk appetite and holds the committee to account
Investment committee
Approves policy, models and products
Policies and delegations
Define who decides what, on what evidence
Models and approved list
Turn policy into portfolios advisers can use
Monitoring and reporting
Prove decisions reached every client portfolio
Institutional Best Practice
Institutional-grade governance, adapted to bespoke accounts.
The framework follows the best practice used by large institutional investors, then adapts it to the realities of bespoke accounts, so each client’s circumstances are respected without weakening oversight.
The investment operating model
GovernanceBoard → Investment committee
Sets risk appetite, approves policy and holds the process to account
Investment processContinuous cycle
01
Research
House views and tested ideas
02
Strategy & policy
Asset allocation, limits, approved list
03
Portfolio construction
Intelligent models
04
Implementation
Trades across platforms
05
Monitoring & review
Alignment, risk, breaches
Review findings feed back into research and policy
Adapted to bespoke accountsSame oversight, applied client by client
Tax position and CGTLegacy holdingsClient preferences and exclusionsCash flows and drawdownsPlatform and product constraints
Operated on WealthPilot technology
Governance you can see, measure and control.
The governance service runs on the WealthPilot technology solution, giving your committee institutional-grade oversight of every bespoke account.
Institutional-grade visibility
See every portfolio against policy, mandate and risk limits in one place.
Reporting dashboards
Committee-ready reporting on exposures, exceptions, dispersion and decisions.
Control over bespoke accounts
Apply policy changes across accounts, approve exceptions and keep a full audit trail.
Reporting and Dashboards
Every part of the investment process, reported clearly.
Committees, boards and advisers get dashboards and reports across four areas, drawn from the same data that runs every bespoke account.
01
Model alignment
How closely each bespoke account tracks its model, with drift and the reasons behind it.
Balanced
Growth
Income
02
Performance attribution and diagnostics
Where returns came from, across allocation, selection, tax and costs, with diagnostics on what to change.
Allocation
Selection
Tax
Costs
03
Breach and compliance reporting
Breaches against mandates, restricted lists and risk tolerances, flagged and tracked through to resolution.
Mandate limitsClear
Restricted listClear
Risk tolerance1 to review
04
Investment operations and service delivery
Review timeliness, trade turnaround and service levels across the managed service.
Thought Leadership
Read our Bespoke Investment Solutions research and insights.
Papers and practical guides from the team behind Bespoke Investment Solutions.
Read Thought Leadership
Speak to our experts.
Take the first step towards optimised investment operations and enhanced advisory workflows.
Get in Touch
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