For advisers
Hand the clients you turn away a tool they own — and they come back when it's serious.
Tessera is owned by the client, not resold by you. Point the enquiries you can't take on today at a place they own, and stay the name they trust. When their situation grows into advice, they invite you in — and you land in a picture that's already assembled: the fact-find, the statements, the what's-changed, ready before the first meeting.
When a client invites you in
Everything you get the moment they share their picture.
A client owns their Tessera and chooses to invite you in — scoped to what they share, revocable whenever they like. From that moment, the tool works around your conversation in all four moments: getting ready, sitting down, following up, and the months in between where the value has to keep showing.
Before the meeting
Walk in knowing what changed.
A one-page brief for each client, generated from the period since the last review. Net-worth movement, a fixed rate coming up, an unused allowance, a new salary — flagged actions, not raw data. You read it in the lift on the way to the room.
- Auto-generated "what changed since last time" digest
- Flagged action list, ranked by client value
- Documents already gathered, nothing to chase
Pre-meeting brief · Smith household
In the meeting
Model it together, in real time.
You and your client look at one picture, on one screen. Change the retirement age, the overpayment, the contribution — the projection re-runs in milliseconds while you talk. No "I'll run the numbers and send them over." The numbers are running now.
- Retirement, mortgage and wealth scenarios, live
- The same view the client sees at home
- Sankey cash-flow that makes the month obvious at a glance
Recalculated in 11ms — no "I'll run the numbers and send them over".
After the meeting
The follow-up is half-written before you stand up.
Suitability letters, annual reviews and fee disclosures pre-populate from the data already captured. You edit instead of drafting from a blank page, and the compliance officer sees a consistent, auditable trail. Shared notes and actions carry into the next meeting.
- Suitability-letter scaffolding from captured data
- Adviser notes and action items, shared with the client where appropriate
- Every change logged for the compliance team
Suitability letter · draft
Following our meeting on 14 May, this letter sets out our recommendation regarding your retirement provision. Based on your current pot of £412,000 and contributions of £1,250/mo, our modelling indicates an earliest viable retirement age of 59…
Between meetings
Stay in the room even when no one's in it.
Tessera keeps working in the months between reviews. It watches for the life events worth a call, gives your clients something new to see each time they log in, and shows you exactly what you're delivering for the fee.
- Life-event queue, with modelled impact attached
- Allowance tracker, goals and year-end summaries for the client
- A Consumer-Duty dashboard for the compliance file
Evidence for the FCA conversation
Consumer Duty asks what your advice fee actually did for the client this year. Tessera answers it with a screen: reviews completed, life events caught and acted on, and the value each client has seen between meetings — ready for the compliance file, not a year-end scramble.
Integrations
It meets your stack where it already is.
Tessera doesn't replace Intelliflo, Iress or your planning software. It gives your clients a picture they own, and feeds the shared view back into the systems you already live in.
CRM bridges
Two-way sync with the major UK back-office systems — fact-find data flows out; client portal updates flow in.
In progress Intelliflo, Iress / Xplan, Plannr.
Open Banking
TrueLayer for live bank feeds across 50+ UK providers. Account discovery, consent management and 90-day re-auth handled in our UI.
Live
Provider feeds
Direct integrations with major UK pension and investment platforms — coverage growing each release. You tell us which to prioritise.
Coming Soon
Pensions Dashboards
Direct integration with the UK Pensions Dashboards Programme as it becomes available — surfaces every pension a client has ever held.
Coming Soon
Document storage
Bring your existing document vault (SharePoint, Google Drive, dedicated DMS) or use ours — encrypted client-side either way.
Coming Soon
Single sign-on
Optional SSO for adviser-side access via Microsoft Entra ID or Google Workspace. Client-side stays on the zero-knowledge master-password flow.
Coming Soon
The side door works both ways
Send the ones you can't take on somewhere useful.
Not every enquiry is ready for advice, and not every one fits your minimum. Instead of a flat "no", point them at Tessera's free tools. They build a picture they own, keep your name in mind, and come back adviser-ready when their situation grows.
- Free public calculators — retirement age, mortgage payoff, IHT
- A place they own, so the goodwill stays with you
- They invite you in when it's time — no cold re-start
How the invite works
From referral to a shared picture.
There's nothing to deploy and no instance to brand — Tessera already exists, owned by the client. Becoming a referral partner is light, and a client can bring you in whenever they're ready.
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1 · Introductory call
A 30-minute walk-through of the adviser view, the referral link you'll share, and how scoped access works. No build, no brand pack, no setup fee.
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2 · Share Tessera
Point the enquiries you can't take on today at Tessera's free tools. They start a picture they own, and your name stays attached to the referral.
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3 · The client invites you in
When their situation grows into advice, they grant you access from their own account — scoped to exactly what they choose to share.
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4 · You land ready
Their picture is already assembled: net worth, cash flow, allowances, the what's-changed brief. You start the first meeting on advice, not admin.
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5 · Access stays theirs
They can widen, narrow or revoke what you see at any time. Zero-knowledge means you only ever see what they've chosen to share.
Book a demo
Thirty minutes. See the adviser view.
We'll walk you through Tessera against a test client, show you exactly what you get when someone invites you in, and answer every question on the spot. UK advisers only. We're partnering with founding advisers now.
Email hello@spadestudio.io with a one-line context, or fill in the form. We'll come back within one working day.