The Advice Engine from Focus is a portfolio optimisation tool that automates the analysis and construction of investment switching recommendations. It takes a client’s existing holdings, compares them against a firm’s target proposition, and calculates the best available set of transactions to align the two. The calculation covers capital gains tax, available tax allowances, and risk alignment alongside fund performance ratings and total costs. Rather than producing a comparison for an adviser to interpret manually, the system generates specific, actionable transactions with a supporting audit trail for suitability purposes. Advisers and paraplanners are the primary users, with the bulk analysis capability also serving consolidators and firms acquiring books of business.