Fintegrate and EV Extend Wealthtech Partnership to Streamline Risk Mapping for Advisers

Fintegrate has extended its long-term partnership with EV, ensuring the continued integration of risk profiling and suitability technology within its platform. For fintech professionals, this renewal underscores the critical need for seamless, auditable links between client risk appetites and investment portfolios to meet increasingly stringent regulatory scrutiny in the advice sector.

What was announced

The renewed agreement ensures that Fintegrate will continue to embed EV's risk suitability and calculation capabilities directly within its technology suite. This integration is designed to help financial advisers connect a client's agreed risk profile with portfolio research, Model Portfolio Service (MPS) selection, and ongoing suitability reviews. Reconciling these elements remains a heavily scrutinised step in the advice process, and the partnership aims to make this link easier to establish and evidence.

The integration carries a client's completed EV risk profile directly into Fintegrate's portfolio research, informing MPS selection and Centralised Investment Proposition (CIP) alignment without the need for manual re-entry. Advisers can verify, at the point of recommendation, whether a proposed portfolio reflects the client's agreed risk position and produce clear evidence of that alignment during reviews. The system supports three distinct risk scale options—1 to 5, 1 to 7, and 1 to 10—allowing firms to align risk mapping with their specific CIP methodology.

Furthermore, the integration draws on EV's stochastic asset model, which captures the term structure of asset returns to provide a realistic view of how time horizons impact investment recommendations. Advisers can also send the EV Attitude to Risk Questionnaire (ATRQ) and Capacity for Loss (CFL) questionnaire directly from the Fintegrate platform, allowing clients to complete them ahead of meetings and shifting the focus toward financial planning discussions.

"Risk profiling only earns its keep if it holds up to scrutiny, both at the point of advice and years later at review. That means moving beyond a standalone volatility score and helping clients understand what different investment outcomes could mean for their financial goals. Connecting EV's risk profiling directly into Fintegrate's portfolio research gives advisers precision calculations they can stand behind. It maintains a clear audit trail and helps ensure clients don’t end up in portfolios that fail to reflect the risk position they understood and agreed to."

Chet Velani, CEO at EV.

The companies involved

EV, which operates online at ev.uk, is a specialist in providing multichannel financial planning and advice solutions. The company focuses on delivering precision calculations and stochastic modeling to help financial professionals manage client goals and investment risks. EV has recently bolstered its leadership team to support the evolution of its advice technology, emphasizing a data-driven approach to consumer outcomes and regulatory alignment. Fintegrate, accessible via getfintegra.com, provides a technology platform specifically for financial advisers. The platform is designed to streamline the advice journey by connecting various stages of the process, from initial risk assessment to portfolio research and ongoing reviews. By acting as a central hub for adviser workflows, Fintegrate aims to reduce the administrative burden of manual data entry while improving the accuracy of investment recommendations. Both companies are established players in the UK fintech space, focusing on the intersection of regulatory compliance and operational efficiency. Their partnership represents a significant collaboration between a core planning engine and a front-end adviser platform, aimed at solving the persistent challenge of maintaining suitability evidence throughout the investment lifecycle.

What FF News has reported before

FF News has closely followed EV’s contributions to the evolving regulatory landscape. In August 2025, the publication covered how EV Calls for Data-driven Two-step Approach to FCA’s Targeted Support to Deliver Better Consumer Outcomes, highlighting the firm's focus on data-driven guidance. Earlier that year, FF News reported on the launch of a key planning tool in EV Elevates Financial Guidance with Its Upgraded EVDirect Solution. The company’s internal growth was also noted when EV Appoints Director of Systems Innovation to Support Evolution of EV’s Multichannel Financial Planning and Advice Solutions in late 2024, signaling a commitment to technical infrastructure.

What this means

This extension highlights a broader industry shift toward 'embedded' rather than 'bolted-on' compliance tools. As regulatory bodies increase their focus on the ongoing suitability of investment advice, the traditional method of manually reconciling risk profiles with portfolios is becoming a significant operational risk. The move to automate this link puts pressure on standalone risk-profiling tools that lack deep integration with research and execution platforms. It raises a critical question for the sector: can advice firms continue to justify fragmented tech stacks that require manual data bridges, or will the market consolidate around deeply integrated ecosystems that provide a continuous, automated audit trail?