Compliance support for financial advice firms

Many advice firms can't justify an in-house compliance manager or a bespoke annual consultant fee. is a cost-effective, self-serve way to see where you stand and keep the records the FMA looks for.

Take the free Health Check See the platform

The Health Check takes about five minutes and is free. You get a score and a prioritised list of gaps.

What you get

Start with the free Health Check, then pick the tools you need. Each one is switched on for your business when you ask, and you can add more later. See the platform for what each does.

Start here

• A free Health Check. Plain-English questions across nine areas, designed to help you consider the FMA's requirements and guidance, with a self-assessment score and your biggest gaps.

Your compliance records

• Obligations register. A ready-made register of the obligations that apply to you, with your control, evidence, status, owner and review date for each.
• Policies & procedures. Your written policies and procedures in one place, with versions, owners and review dates.
• AI audit of policies & procedures. An AI-assisted check of your policies and procedures, with your responses and sign-off tracked. Always labelled as AI.
• Compliance calendar. Key review, testing and reporting dates, with due-soon and overdue flags.

Available on request

• Advice Review with AI. An AI-assisted review of client advice files for life, fire and general insurance. You choose what to review against: the FMA's expectations, an insurer's requirements, or your own service standards. Every finding is a draft for a person to confirm. Priced by the extent and number of reviews.

Your people

• CPD & development plans. Each adviser's annual plan, CPD activities and evidence, with manager sign-off.
• Skills & expertise. The skills your firm needs against who holds them, with a plan to close each gap.

Risk and resilience

• Risk register. Score your business risks on a 5×5 matrix and track the actions that bring them down.
• Suppliers & outsourcing. Every supplier in one list, rated by risk tier, with contracts, owners and due diligence.
• Business continuity. A continuity plan built from a short impact analysis, with approval, yearly review and tests.
• Incidents & complaints. Record each one, track the FMA's deadlines, and keep the evidence.

Across the platform

• A dashboard. See your progress and what needs attention across the tools you use.
• Consultancy, when you want it. A person reviews your records and controls, or helps with a project. See Consultancy.

Who it's for

Financial Advice Providers (FAPs) of any size: insurance brokers, advice firms and licence holders with Authorised Bodies. Whether you hold the licence yourself or are an Authorised Body named on someone else's, the Health Check and platform adapt to your position. It's simple enough for a one-adviser firm, with room to add advisers, managers and Authorised Bodies as you grow.

Licence holders and Authorised Bodies: what's different

An Authorised Body carries the same licensee obligations as its licence holder (FMA FAP licence guide v10, p 12), and a breach by an Authorised Body is treated as a breach by the licence holder (FMC Act 2013 s 400(3)). The platform has one set of tools for everyone, and adapts to your role:

• On the incidents & complaints register, an Authorised Body records who notifies the FMA (it depends on the conditions of the licence holder's licence, so it chooses and we never assume), and whether its licence holder was told.
• On the business continuity plan, an Authorised Body records whether it relies on its licence holder's plan, has its own, or both, and whether its licence holder was told about a failed test.
• On the risk register and suppliers & outsourcing, an Authorised Body records whether its licence holder was told about a serious risk or supplier issue. The CPD & development plans tool gives a summary by CPD year.
• Each of these can produce a dated report for the licence holder. The report shows references and counts unless you choose to include wording, the platform doesn't send it (you do), and it isn't independent testing.

The Health Check's obligations register adds a tenth domain on Authorised Body oversight (five more obligations, each with its citation) if you hold a licence with Authorised Bodies or you are one. Your role is set up by us, not by you.

Draft — the Authorised Body lines on this site are Tamas's reading of FMC Act 2013 s 400 and the FMA FAP licence guide v10 (Sep 2026). They are not legal advice, and need the legal review in the Authorised Body update plan (Q6) before launch.

What we don't do

• The Health Check and the platform are not a Compliance Assurance Programme (CAP), and don't replace your obligation to have adequate compliance testing arrangements. We describe the Health Check as a self-assessment designed to help you consider CAP expectations, never as "your CAP".
• The tools support a licence holder's oversight of its Authorised Bodies. They don't supervise anyone, and that duty stays with the licence holder (FMC Act 2013 s 400(1A)(a)).
• Software doesn't do your independent testing. That part is delivered by a person.
• We don't give legal advice or financial advice, and we don't replace your responsibilities as a licence holder.
• Anything produced by AI is labelled as AI, and complaints, incidents and suspected breaches go to a person.