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What Consumer Duty evidence looks like when client information is alive
When client information is static, evidence becomes thin. When the client record is alive, evidence becomes more useful.
28 Jul 26
The Problem
Client lives move faster than client records
Between reviews, clients inherit, move house, retire, remarry, welcome grandchildren and open accounts elsewhere — and almost none of it reaches the systems firms rely on. The result shows up across the industry:
Problem 1: Share of Wallet
Problem 2: Wealth Transfer
Problem 3: Disengagement
Client intelligence
One consented record of the client's whole life
Clients use Lyfeguard to organise everything that matters to them and their family across six areas: Personal, Financial, Property, Digital, Health, and Estate & Legacy. They add documents, connect accounts read-only, record relationships and wishes, and choose what to share with your firm. Your advisers see the client as they are today — what they own and owe, who they care for, what they're planning, what's changed — so every conversation starts from understanding, not from catching up.
From signal to action
Every update opens a door
Use case
What Lyfeguard helps surface
Firm benefit
Client connects external accounts
Pensions, ISAs, investments, cash and liabilities held with other providers
Consolidation and planning conversations that grow share of wallet
Client adds family and beneficiaries
Spouse, children, grandchildren, executors, attorneys, inheritors
Relationships with the next generation and retention through the wealth transfer
Client updates estate and legacy plans
Wills, powers of attorney, beneficiaries, wishes
Estate planning advice, gifting strategies and professional referrals
Client's circumstances change
House moves, health context, life events, gaps in their record
Timely reviews, vulnerability support and a clean, current client book
Use caseClient connects external accounts
What Lyfeguard helps surfacePensions, ISAs, investments, cash and liabilities held with other providers
Firm benefitConsolidation and planning conversations that grow share of wallet
Use caseClient adds family and beneficiaries
What Lyfeguard helps surfaceSpouse, children, grandchildren, executors, attorneys, inheritors
Firm benefitRelationships with the next generation and retention through the wealth transfer
Use caseClient updates estate and legacy plans
What Lyfeguard helps surfaceWills, powers of attorney, beneficiaries, wishes
Firm benefitEstate planning advice, gifting strategies and professional referrals
Use caseClient's circumstances change
What Lyfeguard helps surfaceHouse moves, health context, life events, gaps in their record
Firm benefitTimely reviews, vulnerability support and a clean, current client book
Four steps to knowing your clients better
We create a secure, client-controlled record of the documents, details, relationships and life events that matter — then turn that information into structured insight your firm can act on.
Invite your clients
Each client receives a branded invitation from your firm and is set up in minutes.
Information flows in
Imports, auto-updating connections, moments to add the rest
Lyfeguard structures it
Give every adviser the full context of a client's life, ready before the conversation starts
Your team acts on what it sees
Advice needs, family connections, life events, review triggers
USE CASES
Built for margin pressure, Consumer Duty and the wealth transfer
Margin pressure, Consumer Duty, and the great wealth transfer are reshaping what a profitable advice firm looks like. Lyfeguard is built for the firms adapting to that reality.
The back book
Re-engage the clients you'd love to know better
Every firm has clients it has lost touch with — relationships that came over with an acquisition, or stayed on after an adviser retired. Not unprofitable, just out of reach of the day-to-day. Lyfeguard gives those clients something genuinely worth engaging with, and gives your firm a fresh, current picture of who they are and what they need.
- Re-engage dormant clients with something useful to them, not a cold call
- Rediscover who your clients are today — and where you can help
- Turn quiet relationships into a measurable review and retention pipeline
Client engagement
Clients engage when there's something in it for them
Most portals fail for one reason: they exist for the firm, not the client. Lyfeguard is the client's own tool — one organised place for their finances, property, documents, policies, key contacts and plans. Useful day to day, reassuring for the long term, and theirs to control. Because it's theirs, they keep it accurate — no chasing, no forms, no decaying data. And your firm is the one they've trusted to be part of it: present between reviews, and first in the room when life changes.
Why Lyfeguard
The picture your other systems were never designed to hold
Portals move documents. CRMs hold what the firm already knows. Advice platforms run the planning. All essential — and none of them built to hold the client's wider life: the family, the estate, the property, the health context, the wealth held elsewhere, the people who'll one day be sitting across the table. Lyfeguard adds that picture, working alongside the systems you already trust. It's the difference between managing a portfolio and advising a life.
Get started
Better advice starts with better intelligence
Deploy the data infrastructure that turns static information into live intelligence
FAQs
Frequently Asked Questions
Does Lyfeguard replace our CRM or advice platform?
Why would clients use it?
Can Lyfeguard move client money?
How does this support Consumer Duty?
Can this be used for dormant clients?
