Anonymised Financial Snapshot for Advisers
What does an adviser see before accepting a PFS connection?
The PFS model gives the adviser the user’s financial picture while protecting the user’s identity and contact details until the relevant consent step.
The PFS approach
PFS (Personal Financial Stage) is a financial clarity platform by Quant Finance Lab. Its role is to help a person understand where they stand before making an important financial decision. It is educational, not financial advice, and it does not recommend specific financial products.
For a financial professional, the relevant question is not only whether someone has made an enquiry. It is whether there is enough context for a meaningful conversation. The PFS model gives the adviser the user’s financial picture while protecting the user’s identity and contact details until the relevant consent step.
The PFS workflow is designed around a clear sequence: a person completes their PFS, understands the resulting picture, and can then choose whether to approach a professional. In the adviser workflow, the professional can see an anonymised financial snapshot when a connection request arrives and can accept or decline it. The current model deducts a connection credit only when the adviser accepts.
What this means in practice
The adviser listing is a separate, one-time professional profile setup. It captures identity, registration and verification information, practice details, photo, introduction video, contact details, fee structure, experience, specialisation, products covered, languages and an optional note about how the adviser works. The listing language states that it is free and has no time limit.
- Professional profile and verification information
- Transparent fee structure visible before connection
- User-initiated connection rather than automatic routing
- Anonymised financial context before acceptance
- Accept/decline control for the professional
What PFS does not do
PFS does not tell a user which specific investment, insurance, loan or other financial product to choose. It does not promise returns. It is not a substitute for regulated professional advice. Its purpose is to create a clearer starting position before an important financial decision.
For financial professionals
If you are evaluating PFS for your practice, start with the adviser workflow and the listing requirements rather than treating PFS as a generic lead source.
Explore PFS