Technology

Our Digital Factfind was born out of direct engagement with the FCA, where we explored their expectations for documenting client circumstances. The FCA made it clear — the factfind is the cornerstone of the advice process. It should capture everything: income and expenditure, assets and liabilities, clear objectives, health considerations, and more.

That’s why our factfind goes beyond box-ticking. It’s an intuitive, fully integrated tool that not only records the hard facts, but also captures the client’s ‘voice’ - their story, priorities, and motivations - in their own words. This ensures every recommendation is anchored in what truly matters to them, not just the numbers on a page.

Designed by advisers, for advisers, it gives you everything you need to deliver tailored advice from the very first conversation. Every client receives their own copy, removing the need to repeat details in outdated, lengthy suitability reports. Instead, this robust record works hand-in-hand with our Product Confirmation Letter (PCL) - ushering in a new era of clarity, transparency, and efficiency in later life lending advice.

The digital factfind is fully integrated into the advisER ecosystem, saving you time, reducing duplication, and helping you meet your Consumer Duty obligations from day one.

The TERN Digital Factfind is more than a compliance tool - it’s the foundation of meaningful, client-centred advice. By capturing both the factual details and the client’s voice, it creates a complete, accurate, and personal record of their circumstances and aspirations.

This approach not only satisfies FCA expectations and supports Consumer Duty, but also removes unnecessary duplication by replacing bulky, outdated suitability reports with a concise, clear, and compliant Product Confirmation Letter.

The result? A streamlined advice process that’s faster for advisers, easier for clients to understand, and stronger for compliance - all while keeping the client’s goals and story at the heart of every recommendation.