Last week’s updates from Intelliflo mark a clear shift in how adviser tech is evolving — with AI, smarter workflows and deeper integrations all taking centre stage. New tools like Flo and the IQ assistants aim to reduce admin, improve engagement, and bring real efficiencies to daily advice processes. 

We also released our latest Adviser Technology Index, offering the most detailed view yet of how firms are using — and rating — their software. Alongside that, we explored why leading investors are increasingly backing WealthTech, and what this means for the future of advice. 

Meanwhile, over on Protection Guru, the focus was firmly on real-life client challenges — from the cost of caring and men’s cancer risk to confusion over diabetes definitions and CI underwriting rules. Together, the two sets of content offer a grounded view of how better tools and sharper advice must go hand in hand.

From the AdviserSoftware.com Team 

The Must-Know Intelliflo Innovations for 2025
https://www.advisersoftware.com/from-ai-assistants-to-advanced-reporting-the-must-know-intelliflo-innovations-announced-for-2025/
Eleven big upgrades. Three new AI tools. One clear message: Intelliflo is doubling down on adviser efficiency. Their new AI assistant “Flo”, plus the IQ Engagement and Advice Assistants, promise to cut admin time by up to 85% — while new reporting, workflow, and PFP features show a deep focus on adviser feedback.
One of the biggest advice tech announcements this year. 

Smarter Workflows, Simpler Reporting – What Advisers Need to Know
https://www.advisersoftware.com/new-intelliflo-updates-from-smarter-workflows-to-enhanced-reporting-what-advisers-need-to-know/
From visual upgrades in Portfolio Reporting to FaceID for the Personal Finance Portal  app, this article digs into the detail on how smaller workflow tweaks and dashboard updates are adding up to major time savings.
Also notes a 34% increase in tech-savvy “Champion” firms using intelliflo efficiently. 

From Two Hours to Ten Minutes – The Impact of WealthLink
https://www.advisersoftware.com/from-two-hours-to-ten-minutes-the-real-world-impact-of-intelliflo-wealthlinks-new-features/
When pension illustrations drop from two hours to ten minutes, advisers take notice. WealthLink might still be controversial, but the latest enhancements — like instant account opening and data validation — show real-world productivity gains. 

Meet ZeroKey – The Quietly Powerful Update That Levels the Playing Field
https://www.advisersoftware.com/why-intelliflos-latest-update-is-a-must-know-for-every-adviser-meet-zerokey/
Forget rekeying — ZeroKey bridges the gap for non-WealthLink platforms and plugs intelliflo data directly into tools like Cashcalc, Voyant and Oxford Risk. A much-needed boost for the 60% of firms using intelliflo Office. 

The Adviser Technology Index
https://www.advisersoftware.com/adviser-technology-index/
A 120-page deep dive into what advisers are really using, how they feel about it, and what’s missing. This is the most comprehensive breakdown of Practice Management Systems, risk tools, portals, onboarding, and more — as ranked by actual users.
Essential reading for multiple audiences. If you are a tech provider yourself you will want to see how you perform, relative to your peers. Equally an investment platform, life insurer, asset manager or discretionary fund manager this will give invaluable insight into how advisers are currently using technology. Finally for advisers themselves if you are reviewing your tech stack. 

Why the Smart Money in Fintech Is Now Going into WealthTech
https://www.advisersoftware.com/why-the-smart-money-in-fintech-is-now-going-into-wealthtech/
A fast-moving video session from Ian McKenna covering hybrid advice, consumer expectations, behavioural science and regulation. Big tech is already circling this space — the question is, the market ready for what’s next? 

From the ProtectionGuru.co.uk Team 

The Cost of Being a Carer
https://protectionguru.co.uk/the-cost-of-being-a-carer/
A timely and sobering look at what caring really costs — emotionally, practically and financially. With 44% of full-time carers in poverty, this piece cuts through to the heart of what many clients face behind the scenes. Whether it’s stress, income loss, or lost identity, this article is a must-read reminder of why protecting income isn’t just about the policy — it’s about the person.
Recommended reading for advisers supporting sandwich generation clients or those juggling work and caring duties. 

The Unclear Boundaries of Diabetes in Critical Illness Policies
https://protectionguru.co.uk/the-unclear-boundaries-of-diabetes-in-critical-illness-policies/
LADA, gestational, and mixed presentations — this article walks you through why the traditional CI definitions around diabetes no longer cut it. While Type 1 is usually covered as an additional payment, ambiguity around newer forms like LADA creates a grey area that advisers can’t afford to ignore.
Includes a helpful provider breakdown of child CI payments and updated Guardian terms. 

The Shifting Landscape of Cardiovascular Health
https://protectionguru.co.uk/the-shifting-landscape-of-cardiovascular-health/
Smoking down, GLP-1s up — the underwriting environment for heart-related risk is changing rapidly. This article explains what advisers need to know about how lifestyle changes and weight-loss drugs are starting to shape premium pricing, insurability, and adviser conversations.
Look out for next week’s follow-up on which insurers offer health checks as added value. 

How to Engage Clients with Trusts
https://protectionguru.co.uk/how-to-engage-clients-with-trusts/
If you’re still treating trusts as an admin bolt-on, this is essential reading. Matthew Chapman cuts through the fluff and offers a practical blueprint for integrating trust planning into your core advice process. From setting the expectation early to using digital tools, it’s about treating trusts as part of the promise — not paperwork.
Share this one with newer team members or anyone still leaving trusts until post-sale. 

Are You Missing Out on the Best Way to Cover Families Cheaply?
https://protectionguru.co.uk/are-you-missing-out-on-the-best-way-to-cover-families-cheaply-the-case-for-family-income-benefit/
With rising premiums, Family Income Benefit can offer the ideal mix of affordability and relevance for clients who need regular income over a lump sum. This webinar summary flags the common reasons FIB is overlooked and shows how Protection Guru Pro makes comparing quality and price easy.
Also includes info on six free adviser webinars to upskill on protection quality and value. 

The Breakthrough in Prostate Cancer Diagnosis We’ve All Been Waiting For
https://protectionguru.co.uk/the-breakthrough-in-prostate-cancer-diagnosis-weve-all-been-waiting-for/
One in eight men. One in four if you’re Black. This Men’s Health Week article shares the early detection tools and national screening hope on the horizon from Prostate Cancer UK. Encourage clients to take 30 seconds to check their risk — it could literally save lives.
Includes signposting to the upcoming TRANSFORM trial. 

Non-Medical Underwriting Limits for Critical Illness – How Insurers Compare
https://protectionguru.co.uk/non-medical-underwriting-limits-for-critical-illness-how-insurers-compare/
One for the technically minded — this breakdown of non-medical limits across age bands shows how much variation still exists. HSBC Life and Guardian are standouts for high thresholds, and it’s helpful to see which providers base their thresholds on age attained vs age next birthday.
Contains clear charts for nurse screens, GP reports and doctor’s medicals. 

Have a great week everyone!