AI Multi-Agent Intelligence

The Future of
Wealth Management
is Here

Toni Waibot orchestrates your entire wealth management operation — front, middle, and back office — with the intelligence of a seasoned team of specialists, available around the clock.

See Toni in Action Request a Demo

About Toni Waibot

Intelligent by Design,
Trusted by Professionals

Toni Waibot is a multi-agent AI platform purpose-built for the wealth management industry. It combines deep domain expertise with intelligent automation to streamline every function of your operation — from client acquisition to regulatory reporting.

Whether you are a boutique wealth manager, an IFA network, or a large private bank, Toni scales seamlessly to meet your operational demands whilst maintaining the highest standards of compliance and client service.

Explore Capabilities
94%
Reduction in manual admin
3×
Faster client onboarding
£2.4M
Avg. annual cost savings
24/7
Always-on intelligence

Office Capabilities

Every Office.
One Intelligence.

Toni Waibot covers the full operational breadth of a wealth management firm — no siloes, no gaps.

Client Acquisition & CRM
Intelligent lead scoring, automated follow-ups, and personalised outreach to grow your AUM pipeline efficiently.
Investment Proposals
Auto-generate bespoke, compliant investment proposals tailored to each client's risk profile and financial goals.
Portfolio Advisory
Real-time market analysis and AI-driven recommendations, enabling advisers to deliver exceptional guidance at scale.
Client Communication
Personalised, compliant client communications — from market updates to annual reviews — drafted in seconds.
Appointment Scheduling
AI-powered diary management that prioritises your highest-value client meetings and automates reminders.
Sales Intelligence
Identify upsell and cross-sell opportunities across your book of business with predictive revenue analytics.
Risk & Compliance Monitoring
Continuous regulatory monitoring aligned with FCA guidelines, MiFID II, and Consumer Duty obligations.
Portfolio Monitoring
Real-time portfolio oversight with automated drift alerts, rebalancing triggers, and performance attribution.
Trade Order Management
Streamlined order routing, execution monitoring, and best execution reporting across all asset classes.
KYC & AML Screening
Automated identity verification, sanctions screening, and ongoing transaction monitoring to meet regulatory obligations.
Suitability Assessment
Dynamic suitability and appropriateness assessments that adapt to evolving client circumstances and market conditions.
Regulatory Reporting
Automated preparation and submission of FCA, COBS, and MiFID II reports, eliminating manual reporting burden.
Fee Billing & Reconciliation
Automated fee calculations, invoicing, and reconciliation across all fee structures — trail, fixed, and performance-based.
Custodian & Settlement
Seamless custodian connectivity, settlement tracking, and corporate actions processing across multiple platforms.
Performance Reporting
Automated, audit-ready client performance reports with GIPS-compliant return calculations and benchmarking.
Document Management
Intelligent document storage, retrieval, and version control with automated audit trails and access controls.
Data & Systems Integration
Native connectors to leading platforms including Salesforce, Iress, FNZ, Pershing, and all major custody systems.
HR & Payroll Automation
Streamlined staff onboarding, payroll processing, and regulatory training compliance tracking for your entire team.

Live Interaction

Ask Toni
Anything

Toni Waibot draws on a comprehensive knowledge base of wealth management, investment regulations, portfolio theory, tax planning, and client servicing — ready to assist advisers and operations teams in real time.

  • Natural language queries across all business functions
  • Contextually aware across client history and portfolios
  • Generates compliant documents and reports on demand
  • Escalates complex decisions to human advisers appropriately
  • Full audit trail on every interaction and recommendation
Toni Waibot Online
Toni Waibot
Good morning. I'm Toni, your AI wealth management assistant. How may I help you today?

The Agent Network

Specialist Agents,
Unified Intelligence

Toni Waibot deploys a network of specialist AI agents, each expert in their domain, collaborating seamlessly under one unified orchestration layer.

A
Aria
Client Relations
Manages client communications, meeting prep, and relationship intelligence to deepen adviser-client bonds.
M
Marcus
Market Intelligence
Monitors global markets, generates investment research, and surfaces relevant opportunities for your portfolios.
C
Clara
Compliance Officer
Ensures every action, communication, and recommendation remains within FCA and regulatory frameworks at all times.
R
Rex
Risk Analyst
Monitors portfolio risk in real time, flags concentration issues, and models stress scenarios proactively.
F
Fiona
Financial Planning
Delivers sophisticated financial planning models covering tax efficiency, retirement, estate planning, and cashflow.
O
Oscar
Operations
Orchestrates back-office processes — settlements, reconciliations, and reporting — with precision and speed.
S
Stella
Sales & Business Dev.
Identifies growth opportunities, scores prospects, and supports your business development team with intelligent insights.
T
Toni
Orchestrator
The master intelligence layer that coordinates all agents, prioritises tasks, and maintains coherent context across your firm.

Getting Started

Up and Running in
Five Simple Steps

Toni Waibot is designed for rapid deployment with minimal disruption to your existing workflows.

1
Onboarding
We connect Toni to your existing systems, data sources, and workflows via secure API integrations.
2
Calibration
Toni learns your firm's preferences, investment philosophy, and compliance requirements in depth.
3
Pilot
A supervised pilot across selected functions ensures everything works precisely as you need it to.
4
Full Deployment
Toni goes live across your chosen offices and functions, with your team in full control at all times.
5
Continuous Learning
Toni improves continuously — learning from outcomes, regulatory changes, and your team's feedback.
🏛️
FCA Aligned
Consumer Duty & COBS compliant by design
🔐
ISO 27001
Enterprise-grade information security
🇬🇧
UK GDPR
Full data residency in the United Kingdom
📋
MiFID II
Best execution and reporting obligations met
🛡️
SOC 2 Type II
Independently audited security controls
✅
SMCR Ready
Senior Managers & Certification Regime support

Compliance & Security

Built for Regulated
Environments

Financial services demand the highest standards of data security, regulatory compliance, and audit accountability. Toni Waibot is architected from the ground up to meet and exceed these expectations.

  • All data encrypted at rest and in transit (AES-256)
  • Complete audit log on every AI decision and recommendation
  • Role-based access controls and multi-factor authentication
  • Human-in-the-loop controls for regulated advice activities
  • Regular penetration testing and third-party security audits
  • Dedicated UK data sovereignty — no data leaves British shores
Download Security Overview

Client Voices

Trusted by Wealth
Professionals

★★★★★

Toni has transformed how we operate. Our advisers now spend 70% of their time on client relationships rather than administration. The compliance monitoring alone has saved us tens of thousands in potential regulatory costs.

JC
Jonathan Caldwell
Managing Director, Caldwell Private Wealth
★★★★★

The intelligence and depth of Toni's market knowledge is genuinely impressive. It surfaces insights our research team would take days to compile — delivered in seconds. Our investment committee now relies on it for every meeting.

SR
Sophia Rees
Chief Investment Officer, Meridian Wealth
★★★★★

We were sceptical about AI in a highly regulated space. The team at Toni Waibot addressed every concern — the compliance framework is robust, the audit trails are impeccable, and the FCA alignment is genuinely baked in, not bolted on.

AL
Andrew Lawton
Head of Compliance, Lawton & Partners IFA

Investment Plans

Straightforward,
Transparent Pricing

No hidden fees. No long lock-ins. Scale Toni across your firm at a pace that suits you.

Adviser
£495
per adviser / per month
  • Toni AI assistant (front office)
  • Client communication drafting
  • Investment proposal generation
  • Suitability assessment support
  • CRM & diary integration
  • Middle office automation
  • Back office integration
  • Multi-agent network
Get Started
Practice
£1,850
per month (up to 10 users)
  • Everything in Adviser
  • Full middle office automation
  • Compliance & risk monitoring
  • KYC & AML screening
  • Regulatory reporting (FCA/MiFID II)
  • Portfolio performance reporting
  • Sales intelligence agent (Stella)
  • Back office integration
Get Started
Enterprise
Bespoke
tailored to your firm's needs
  • Everything in Practice
  • Full back office integration
  • Custodian & settlement connectivity
  • Bespoke agent configuration
  • Dedicated customer success manager
  • White-label options available
  • SLA-backed uptime guarantees
  • On-premise deployment option
Talk to Us

Get Started

Ready to Transform
Your Practice?

Join the wealth managers who are already working smarter with Toni Waibot. Request a personalised demonstration from our team today.

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