Disruption has been much in the headlines recently, particularly with the advent of the Robo Advisors and other FinTech startups who have adapted the latest technologies to the asset/wealth management space. And technology undoubtly enables these young and dynamic companies to create solutions for catering their own clients and prospects. But in reality, can they really meet the modern needs of the asset/wealth management industry?

1. Today’s wealth management tools.
Are they able to cope with
Financial Advisors and Investors’
modern needs?
Paul Graham - Group Managing Director @
M2Wealth International
25 August 2016

2. Financial institutions worldwide are focusing strongly on
High Net Worth Individuals (HNWIs) having determined
that these customers consume the greatest portion of high
margin services and generate higher profits.
The range and capability of investment facilities offered to
customers is emerging as a significant competitive
differentiation factor between institutions.
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3. Younger professional people are now used to
getting the investment information they want,
when they want it, and they expect it 'online' from
the web, mobile devices and social media.
At the same time, the aging population of
'boomers' is significantly expanding the number of
people actively managing investments for future
retirement or current income.
As more people become involved in their own
investments and increase the scope of their
portfolios and strategies, they require more
sophisticated wealth management tools and a new
collaborative relationship with their advisors.

4. The investor clients understand their own requirements well
and are actually looking for a new 'collaborative' relationship
with the Advisor that takes into account their own
knowledge and preferences, their busy life-style and the
online tools they prefer to use.
In addition, another major problem is looming. Many
Investors actually deal with multiple asset managers: banks
for cash and loans, brokers for stocks and bonds, financial
advisors for funds and property, fund managers for
pensions, accountants for private lending etc.
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5. Systems designed for the Financial Services industry are typically
built from the perspective of the Financial Institution to fulfil their
own vision of the way they want to provide services to Investors.
This has compounded the mismatch problem and has severely
limited their ability to react to the changing requirement - the
existing systems often lock the institutions into the out-dated
practices.
The irony is that in this age of internet, social media and mobile
devices, the investor client often has the same access to wealth
management information as the Advisor and is aware of broader
investment opportunities and strategies than they are being
presented with.

6. 6
Portfolios are becoming more active and diversified and
'statements' of all shapes and forms are rolling in almost every
day making it impossible to keep control over the big picture
without resorting to complicated spreadsheets or accounting
packages or getting the accountant to manage it all.
These affluent people and their advisors who are usually
employed by an asset management firm, wealth management
company, single & multi-family offices and bankers constitute
the primary audience for sophisticated yet easy to use wealth
management systems.

7. ‘’M2Advisor’’ is a perfect example for a wealth management
system. It is the brainchild of group of people with extensive
trading, investment and settlement systems experience and with
the vision and resources to create advanced new systems for the
evolving 'wealth management' sector.
M2Advisor set to work and built a range of interlocking solutions
using a range of modern, 'open', web-enabled technologies. These
are completely new systems that can plug-in seamlessly to
existing environments and integrate into the new technologies of
the web, social media, and mobile apps.