24 OCTOBER 2025
Your Clients Are Moving. Your Tech Needs to Keep Up
You've seen the trends. High-net-worth clients exploring Dubai. Conversations about Swiss tax structures over video calls. Questions about moving portfolios offshore that you're not quite equipped to answer.
Meanwhile, the FCA's Targeted Support regime is opening doors to millions of underserved savers – clients your competitors are already positioning to win.
Two massive shifts. One narrow window to respond.
The wealth managers who thrive through 2026 and beyond won't be the ones with the biggest teams or the longest track records. They'll be the ones whose technology infrastructure can flex across borders, scale advisory services intelligently and keep clients engaged no matter where life takes them.
That's where Infront comes in.
The Cross-Border Reality Check
When a client mentions they're considering a move to Portugal or setting up a family office in Monaco, what happens next at your firm?
For many UK wealth managers, the honest answer is: friction.
Custody arrangements that worked in London suddenly become complex. Tax treatments diverge. Regulatory permissions need checking. Asset allocations that made sense under UK domicile rules need reconsidering under a different regime. And all of this happens while you're trying to maintain the relationship and demonstrate value.
The risk? Your client relocates, and so does their wealth – straight into the hands of an adviser who already operates across borders.
Top net millionaire migration projections for 2025. Source: New World Wealth
Built for International Wealth
Infront Assetmax – the leading portfolio management solution – has cross-border wealth management in its DNA, since it was built ground-up in Switzerland, the world's leading cross-border wealth management hub.
When you're working with clients who hold assets across multiple jurisdictions, dealing with different custodians, or navigating complex regulatory landscapes, you need a platform that treats cross-border complexity as the norm, not the exception.
Here's what that looks like in practice.
Multi-Custody Architecture
Infront Assetmax consolidates positions across multiple custodians and jurisdictions into a single view. Your client moves to Dubai but keeps UK property holdings and a Swiss bank account? You can manage the full picture without forcing everything through one custodian or having to maintain separate systems.
Cross-Border Regulatory Intelligence
Through integration with Investment Navigator, Infront Assetmax gives you real-time access to cross-border compliance rules and product permissions. When you're on a call with a client now based in Dubai or Switzerland, the system can flag whether you're permitted to discuss specific funds given their new domicile, your authorisation and where the assets are held.
This gives advisers operational efficiency and reduces the risk of inadvertent breaches during everyday client conversations.
Real-time checks keep conversations with clients confident and compliant
Guardrails That Travel
Our built-in restriction engine ensures portfolios remain compliant as client circumstances change. When a client's domicile shifts, the guardrails adjust accordingly, protecting both the client and your firm.
Boost Client Confidence
Cross-border wealth management is complex. But with the right technology stack in place, when a client says they're moving abroad, your first thought isn't "how will our systems cope?" but rather "how can we best serve them through this transition?"
That confidence matters. Because the alternative – watching clients walk away because you can't support their evolving needs – is a cost too many UK firms are already paying.
Scaling Targeted Support Without Crossing the Line
The second opportunity is closer to home but equally transformative.
The FCA's Targeted Support regime will allow firms to make group-based recommendations to clients with similar characteristics – without providing a personal recommendation, but still within a regulated activity. For wealth managers, this creates a powerful new acquisition channel and a way to serve existing clients more efficiently.
But here's the challenge: how do you deliver Targeted Support at scale while maintaining clear boundaries, staying compliant with Consumer Duty and avoiding the operational chaos of managing hundreds of different client situations?
The answer lies in how your portfolio management system handles segmentation, model portfolios and investment proposals.
Segment, Model, Support – In One Platform
Infront Assetmax was developed to help wealth managers deliver compliant, transparent portfolio management. That makes it naturally aligned with Targeted Support, where grouping clients, applying model portfolios and illustrating outcomes must all happen within clear boundaries.
Intelligent Client Segmentation
Infront Assetmax can segment clients based on existing data – asset levels, risk profiles, investment objectives, time horizons. Think of it as putting prospects and clients into meaningful buckets: first-time investors with £50k-£200k to deploy, recently retired professionals with pension pots in cash, or younger accumulators comfortable with higher-risk equity exposure.
Once segmented, you can tie each cohort to an appropriate investor profile and corresponding model portfolio.
This isn't about forcing everyone into rigid boxes – it's about creating repeatable, scalable pathways that meet Targeted Support requirements while remaining firmly within regulatory boundaries.
Model Portfolios That Scale
The Targeted Support regime is built around group-based recommendations. That means your firm needs a way to create, maintain and apply model portfolios consistently across groups of clients without inadvertently drifting into bespoke advice territory.
Infront Assetmax's model portfolio functionality lets you design strategies, set guardrails in the form of portfolio restrictions and apply them systematically. You define the strategy – for example, "Balanced Growth for Mass Affluent Under 50" – build the model portfolio with appropriate asset allocation, and then tie it to the relevant investor profiles.
The system ensures consistency. When you rebalance a model, every client portfolio linked to that model adjusts accordingly, maintaining the integrity of the group-based approach that Targeted Support demands.
Model portfolio construction
Investment Proposals: The Bridge to Full Advice
One of Infront Assetmax's most relevant features for Targeted Support is its investment proposal functionality – a tool that shows a client their portfolio before and after a potential trade or adjustment.
Here's why this matters: Targeted Support is designed as a lighter-touch, lower-cost entry point. But the real value for your firm comes when clients graduate into full advisory relationships. The investment proposal tool gives you a way to show real value, build trust and make that transition seamless.
Imagine a prospect who has engaged with your Targeted Support offering. They've been allocated to a model portfolio based on their profile. Now they want to understand the impact of increasing their equity allocation or adding exposure to sustainable funds. The proposal tool lets you illustrate how the model portfolio would change under different allocation scenarios.
Building an investment proposal
Governance and Audit Trails Built In
Targeted Support will come under Consumer Duty scrutiny from day one. The FCA will expect firms to evidence that they're operating within boundaries, that clients understand what they're receiving, and that recommendations genuinely suit the groups they're aimed at.
Infront Assetmax's compliance and reporting architecture supports this. Every action – segmentation decisions, model portfolio applications, proposal generations – is logged and auditable.
This isn't simply a box-ticking exercise. It's about operating with confidence, knowing that your systems support both the opportunity and the accountability that comes with it.
Infront in Action: What Good Looks Like
So what does this look like when it all comes together? Let’s explore a couple of scenarios.
Scenario 1: The Client Who's Moving to Dubai
A long-standing client – UK resident, £2.5m AUM – mentions they're relocating to Dubai for business reasons but want to keep their UK property investments and maintain their portfolio. In the past, this might have meant a complex conversation about whether you could continue to serve them, potential custody changes and regulatory uncertainty.
With Infront Assetmax:
- You consolidate their UK and UAE-based holdings in one view
- The system flags any cross-border regulatory restrictions
- Guardrails automatically adjust to reflect their new domicile and the compliance requirements that come with it
- You maintain the relationship, demonstrate value and keep the assets under management
Scenario 2: Scaling Support for Mass Affluent Prospects
Your firm identifies 300 prospects – first-time investors holding £75k-£150k in cash, aged 35-50, moderate risk tolerance. They're not ready for full bespoke advice, but they're perfect for Targeted Support.
With Infront Assetmax:
- You segment them into a cohort based on asset level, age and risk profile
- You create a "Growth & Income for First-Time Investors" model portfolio with 60% equity, 30% fixed income, 10% alternatives
- You tie that cohort to the model and offer Targeted Support that gets them invested
- As their wealth grows and needs become more complex, the transition to full advice is seamless because they're already in your system, already engaged, already trusting your expertise
This is what operational leverage looks like. And it's exactly what your competitors with modern platforms are already building.
The Real Question
Technology alone won't solve every challenge UK wealth managers face in 2026. But the right stack removes the barriers that stop you from acting on the opportunities in front of you.
Infront solutions are built for discretionary portfolio management in the world's most complex cross-border markets. And that heritage translates directly into capabilities UK firms now need: multi-custody support, cross-border compliance intelligence, scalable model portfolio delivery and the governance infrastructure to support both Targeted Support and full advisory services.
The clients who are moving abroad need you to keep up with them. The millions of underserved savers that Targeted Support will unlock need you to scale your offering. The question isn't whether these shifts are happening.
The question is whether your technology infrastructure is ready to respond.
If the honest answer is no, it's time to consider Infront.
Ready to see how Infront can support your firm's cross-border and Targeted Support strategy? Get in touch with Infront to book a conversation with our team.
