The financial advice industry is facing an existential challenge. The cost of delivering regulated advice is rising, adviser numbers are finite, and many clients with simpler needs remain underserved. While some firms attempt to solve the issue by leveraging AI to shave minutes off administrative processes, this approach fails to address the fundamental problem: advice remains expensive and resource-intensive. 

At Octopus Money, we’re not just making marginal gains—we’re reengineering financial advice for the mass market. Our model, which combines financial coaches with regulated advice technology, delivers holistic planning at a fraction of the traditional cost. In doing so, we can democratise advice and help firms scale sustainably. 

Reimagining Advice Delivery 

A conventional advice model is costly and time-consuming. Traditional firms rely on a regulated adviser, paraplanner, and administrator to serve clients, resulting in onboarding costs of up to £2,000 and ongoing fees of nearly £900 per year. In contrast, Octopus Money’s methodology reduces costs by 80%, making advice accessible for a broader audience. 

Here’s how it works: 

1. Financial coaches—unregulated but accredited—engage clients, understand their aspirations, and build a simple lifetime cashflow model. 

1. Technology-powered advice provides regulated recommendations (‘boosts’) that optimize financial futures, while suitability reports are auto-generated. 

1. Seamless digital execution ensures that clients can implement advice with minimal friction, with ongoing support from their coach. 

This approach enables a single coach to serve over 300 clients, significantly reducing the cost to serve while maintaining personalized, high-quality financial planning. 

The Electric Train Model 

The problem with traditional financial advice isn’t just cost—it’s scalability and consistency. Adviser-led models produce variable outcomes, depend on a shrinking workforce, and struggle to serve lower-asset clients profitably. 

By contrast, our methodology is built for repeatability and transparency. Every client receives the same robust process, ensuring quality outcomes while reducing compliance risk. Moreover, our approach nurtures the next generation of advisers, allowing firms to incubate future talent while efficiently serving today’s clients. 

Henry Ford famously said, “If I had asked people what they wanted, they would have said ‘a faster horse.’” At Octopus Money, we’re not building a faster horse. We’re building an electric train—one that transforms advice businesses, unlocks profitability, and delivers financial planning at scale. 

Are you ready to step aboard?