Seven browser-based tools for wealth managers, financial advisers, and investment platforms — MiFID II/III ex-ante cost disclosure, model portfolio risk analytics, suitability assessments, advisory fee disclosure, portfolio drift and rebalancing, tax-efficient wrapper optimization, and fiduciary duty gap assessment. MiFID II/III · FCA · RDR · DOL · SEC Reg BI. Client-side. Zero PII.
Follow the 4-step wealth management journey below, or jump directly to the tool you need. All tools run in your browser — no account, no data transmission.
Aggregate and disclose investment costs per MiFID II Article 24(4) — one-off, ongoing, and incidental charges. Calculates Reduction in Yield (RIY) and generates a standardised cost disclosure paragraph ready for client documentation.
Open ToolStructure a full MiFID II Article 25 suitability assessment across financial situation, objectives, risk tolerance, and knowledge. Maps to risk profile, detects mismatches, and generates a suitability statement template.
Open ToolBuild compliant fee disclosures aggregating adviser, platform, and fund charges. Year-by-year cost projection with compounding drag illustration and FCA benchmark comparison.
Open Tool20-question gap assessment across FCA Consumer Duty (PS22/9), SEC Regulation Best Interest, DOL Fiduciary Rule, and MiFID III. Section scores, remediation actions, and top 5 priority gaps by regulatory risk.
Open ToolCalculate expected return, volatility, Sharpe ratio, max drawdown, VaR 95%, and tracking error for a model portfolio of up to 8 asset classes. Risk contribution table and efficient frontier visualisation.
Open ToolDetect allocation drift for up to 8 asset classes. Calculate rebalancing trades, transaction costs, CGT impact, and net benefit vs. drift correction. Traffic-light status per asset class.
Open ToolCompare after-tax returns across UK (ISA/SIPP/GIA) and US (Roth IRA/Traditional IRA/401k/Taxable) wrappers over 1–30 years. Year-by-year projections with optimal wrapper recommendation.
Open Toolv1.0 · May 2026 · 7 Tools · Cat-27 · WealthTech
MiFID II suitability assessments, ex-ante cost disclosures, fee disclosure building, and fiduciary gap assessments for advised client relationships.
Model portfolio risk analytics, drift detection, rebalancing cost-benefit analysis, and tax wrapper optimisation across UK and US account structures.
FCA Consumer Duty (PS22/9), SEC Reg BI, DOL Fiduciary Rule, and MiFID III gap assessments with prioritised remediation actions.
ESG suitability mapping, risk profile matching, PRIIPs cost disclosure, and optimal wrapper selection for high-net-worth client portfolios.
Tools in this hub are mapped to obligations under the following frameworks. Verify current applicability with qualified legal counsel.
Ex-ante costs and charges disclosure requirement. T428 aggregates one-off, ongoing, and incidental charges and calculates Reduction in Yield per the MiFID II delegated regulation.
Suitability and appropriateness requirements. T430 structures a full Article 25 assessment across financial situation, objectives, risk tolerance, and investment knowledge/experience.
ESMA guidelines on suitability under MiFID II (ESMA35-43-1163). T430 maps ESG suitability preferences and detects mismatches between client profile and product recommendation.
UK Retail Distribution Review fee transparency requirements. T431 builds RDR-compliant adviser, platform, and fund charge disclosures with compounding drag illustration.
FCA Consumer Duty outcomes framework. T434 assesses firm practices against the four Consumer Duty outcomes and generates prioritised remediation actions by regulatory risk.
US SEC Reg BI best interest obligation for broker-dealers. T434 covers Reg BI gap analysis alongside DOL Fiduciary Rule 2024 and MiFID III in a single 20-question assessment.
US Department of Labor fiduciary rule for retirement advice. T434 includes DOL Fiduciary Rule obligations covering rollover recommendations and retirement account advice standards.
Packaged Retail and Insurance-based Investment Products Key Information Document requirements. T428 produces cost disclosure outputs aligned to the PRIIPs cost presentation methodology.
All 7 tools expose structured outputs compatible with the AINumbers MCP manifest. All tools include Export-ready output for downstream workflow and documentation integration.
| Tool ID | MCP Name | Input Schema | Output |
|---|---|---|---|
| T428 | calculate_mifid_costs_charges | one_off_charges[], ongoing_charges[], incidental_charges[], investment_amount, time_horizon | total_cost_amount, riy_percent, cost_disclosure_paragraph, cost_breakdown{} |
| T429 | analyze_model_portfolio_risk | asset_classes[], weights[], expected_returns[], volatilities[], correlation_matrix[][] | portfolio_return, volatility, sharpe_ratio, max_drawdown, var_95, tracking_error, risk_contributions[] |
| T430 | assess_mifid_suitability | financial_situation{}, investment_objectives{}, risk_tolerance{}, knowledge_experience{}, esg_preferences{} | risk_profile, suitability_mismatches[], suitability_statement_template, esg_mapping{} |
| T431 | build_advisory_fee_disclosure | adviser_charges[], platform_charges[], fund_charges[], investment_amount, projection_years | annual_cost_projections[], compounding_drag_illustration{}, fca_benchmark_comparison{}, disclosure_document |
| T432 | calculate_portfolio_drift | target_weights[], current_weights[], current_values[], transaction_costs{}, cgt_rate | drift_per_asset[], rebalancing_trades[], transaction_cost_total, cgt_impact, net_benefit, traffic_light_status[] |
| T433 | optimize_tax_wrapper | jurisdiction, annual_contribution, investment_return, time_horizon_years, income_tax_rate, cgt_rate | wrapper_projections{}, year_by_year[], optimal_wrapper, after_tax_returns{} |
| T434 | assess_fiduciary_duty_gap | firm_practices{}, regulatory_regimes[], assessment_responses[] | section_scores{}, overall_gap_score, top_5_priority_gaps[], remediation_actions[], regulatory_risk_rating |