A private, adviser-led home for your family's whole financial life. Part record, part communication centre, part meeting room, part planning tool. Built with advisers, for advisers, and even better for families.
Sign in to your HubWorking title. The product name is in development.
Family WhatsApp groups changed how families communicate: chaotic, warm, instant, but completely unstructured. They proved something important. Families want to be connected digitally. They just do not have the right tool for the financial conversation.
Your Family Financial Hub takes that instinct, the wish to be in the loop, and gives it structure, purpose, and a professional at the centre. It is not a filing cabinet or a record keeper. It is one place for the family's whole financial life, shaped around them.
Robert and Margaret log in. Their whole financial world, assets, protection, legal documents, alerts, their adviser's latest message, visible at a glance. Nothing missing. Nothing scattered across six folders and four providers.
The Hub surfaces what matters straight away. Power of attorney is not in place. Demo has flagged it. The family can act.
Every asset, every liability, every provider. Property, pensions, ISAs, protection policies, mortgage, credit cards, energy suppliers, plus the status of wills and power of attorney, all in one place, current and accessible.
This is the record that makes real family financial planning possible. With the full picture in front of them, the adviser can see opportunities that were invisible before.
Family members, the adviser, solicitors, accountants, executors, whoever the family chooses to include, at whatever level of access they choose to give. Every permission set by the family. Every permission adjustable at any time.
The solicitor sees one document. The accountant sees one section. The children receive the monthly update. Dad sees everything. The Hub shapes itself around the family, not the other way around.
Demo is present in every Hub they manage. From one dashboard they see across every client family: alerts surfaced, families that need attention, planning opportunities to discuss. Not by manual monitoring, but with Digital Assistant working quietly underneath.
Before each client meeting, Digital Assistant prepares a briefing: what has changed since last time, what needs raising, what this family's full picture now shows. The adviser walks in better prepared.
Each firm names their own companion. For Demo families it is Digital Assistant. It works quietly in the background for the adviser, and answers the family's questions directly when they need to find their way around.
Digital Assistant never invents figures. Every number comes from the family's own records, and the adviser confirms the important ones.
Every adviser already has what is needed to populate a family Hub. It is in the back office, the portfolio software, the client files, the review letters. Years of client knowledge, structured and detailed.
Show Digital Assistant what already exists. It reads a document, pulls out the assets, liabilities and protection, and proposes them for the adviser to check and confirm. No starting from a blank page.
Available now: document upload. PDFs, review letters, valuations, fact finds. Upload what you have.
On the roadmap: direct links to Intelliflo, Salesforce FS, CURO, Xplan and others.
An illustration of what the Hub makes possible, for every client family, with every adviser who uses it.
The market remains unserved. Existing tools are filing cabinets, portals or legacy vaults, not a living family relationship.
| Capability | Doc portals | Legacy tools | Client portals | Family Financial Hub |
|---|---|---|---|---|
| Family-wide flexible access control | ✗ | ✗ | ✗ | ✓ |
| Open membership: advisers, solicitors, executors | ✗ | ✗ | ✗ | ✓ |
| Adviser present and active inside the Hub | ✗ | ✗ | ✗ | ✓ |
| Granular financial record: accounts, liabilities, providers | ✗ | ✗ | ✗ | ✓ |
| Meeting scheduling with Teams and Zoom links | ✗ | ✗ | ✗ | ✓ |
| Named digital companion: watches, briefs, prompts, answers | ✗ | ✗ | ✗ | ✓ |
| Intergenerational relationship, built in | ✗ | ✗ | ✗ | ✓ |
| Consumer Duty: immutable audit trail | ✗ | ✗ | Partial | ✓ |
Your founding contribution is £3,000, paid once, never again. At £300 per month, the value of your own licence alone recovers that contribution in ten months. After that the licence is free, for good. And your 5% stake in every firm that follows has been building since day one.
Not an expense. A zero-net-cost tech partnership with a growing income stream attached.
When those five seats are filled, the door closes. The product will be built, launched and in the hands of those five firms by 1 September 2026. The licence income starts flowing, the 5% stakes start earning, and the UK advice market has a new standard for the client family relationship.
1 of 5 founding firm slots taken, 4 remaining
To take your founding firm seat, contact Independent Check Ltd
info@independentcheck.co.uk