Regulation and compliance

Compliance designed for growth

The regulatory landscape is constantly shifting. Regulations change and client expectations evolve. The financial advice industry faces genuine pressure, and your systems need to keep pace without slowing you down. That's why we've designed our ecosystem to be resilient and adaptable; it moves with the regulatory landscape rather than fighting against it.

We provide the interconnected modular technology that enables a singular, efficient advice experience across guidance, digital-hybrid, and traditional advice. Our signature calculation engine and advanced financial modelling tools ensure consistent, accurate, and compliant outcomes across all platforms, transforming regulatory challenges into opportunities for growth and trust. 

Our key compliance priorities

We provide the tools necessary to tackle the most pressing regulatory changes with confidence and precision. 

FCA retirement income advice thematic review (TR24/1) 

The FCA's review highlights the critical role of robust cashflow modelling and diligence in retirement income advice. Your firm must ensure projections are realistic, sustainable, and transparent to protect clients' financial futures. 

Our technology helps your advisory firm address the key areas for improvement outlined in the review: 

  • Cashflow modelling and sustainability - we use stochastic forecasting to run 1,000 scenarios in seconds, providing realistic, stress-tested forecasts that move beyond reliance on past performance. 
  • Risk profiling - our tools distinguish between a client's attitude to risk and their capacity for loss, a vital distinction in the decumulation phase. 
  • Customer information and record-keeping - we ensure all data gathered is accurate, complete, and sufficient to demonstrate the suitability of advice. Our tools integrate with back-office systems to retrieve the latest valuations for planning purposes. They allow for the entry of all expenditure types, future lump sum needs, and comprehensive income sources. 
  • Planning for uncertainty and longevity – our cashflow charts are shown in today's values, consistently using real terms and allowing you to plan beyond average life expectancy. The platform includes stress tests specifically around longevity to check the robustness of the financial plan if the client lives longer than anticipated. 
  • Tax and charges – we account for income tax, capital gains tax, and all associated charges, clearly demonstrating their impact on fund longevity and sustainability. 

How we protect you

EV is ISO 27001 certified

We've built an Information Security Management System aligned with ISO 27001:2022 standards. This covers information security, cyber security, and data privacy across our solutions and operations. 


What does that mean for you? Your clients' data is handled to the highest standards. We follow proven processes for managing security risks, and we're regularly audited against international best practices, which means you can be confident your data is protected.

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ICO and Consumer Duty

ICO registered

At EV, we follow the most up-to-date data and security standards. We're a registered data controller under UK GDPR; we hold an active ICO Data Protection Registration Certificate from the Information Commissioner's Office and we keep pace with evolving data protection requirements as they change.

Consumer Duty Alliance

We're members of the Consumer Duty Alliance because we believe in putting clients first. Our technology helps you meet Consumer Duty requirements by ensuring consistent, high-quality outcomes across every advice channel, whether digital, face-to-face, or hybrid.

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Why modularity matters for compliance

Here's what most providers won't tell you – building compliant technology is hard. Building scalable compliant technology is harder. Building it in a way that lets you adapt to future regulation without rebuilding from scratch is the real challenge.

Our modular approach solves this. When regulations shift, you don't rip out your entire system. You update the relevant module. When you want to add a new product or advice channel, you integrate it alongside what you've already built, which means your compliance layer stays solid and your capability expands.

This is how firms keep pace with the industry, not by bolting on quick fixes, but by building on a foundation that's designed to evolve.

Our solutions

We're transforming how financial advice and planning works by giving the entire financial ecosystem the tools for innovation and growth.

We've built a modern, cloud-native platform that delivers a comprehensive suite of solutions:

  • Provides compliant and efficient automated advice at scale

  • A unified experience across digital, hybrid, and traditional advice

  • Tools that integrate seamlessly with your existing systems

  • The flexibility to innovate without regulatory anxiety

Discover our full suite of products by visiting our product overview page.

Hybrid Advice

Ready to move forward?

If you're re-engineering your financial planning and advice process to address compliance or meet new regulatory demands, we can help.

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