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A collaborative AI-driven platform for advisers, wealth managers, and networks.

Greater efficiency, stronger compliance, and improved profitability — all in one place.
Financial advice firms, along with their advice teams and paraplanners, face four key challenges in the Pension Letter of Authority (LoA) process
Wasted hours and missed priorities
Hours are spent each month reviewing and analysing ceding scheme responses, without a clear method to prioritise them effectively.
Chasing outstanding information for cases that may not even be viable, wasting valuable time and resources.
Lack of oversight
Management lacking oversight on the amount of new business potential in the firm at any one time.
What is the value of your pension switch pipeline?
Who is handling the case, how long has it been under review, and is there enough information to decide whether to take it on?
Inaccurate checklists
Admin teams struggle with extracting information from provider responses quickly and accurately.
Human error leads to delays, slow down new business growth, and extend the time required to create suitability letters.
Compliance risk and cost escalation
Human error results in wasted adviser meetings and poor consumer outcomes, which can negatively affect adviser risk scores.
This often leads to duplicated effort, higher costs, and potential financial sanctions from networks.
Excede LOA is the fastest way for UK financial advice firms to create, track, and manage pension LOAs—automatically and compliantly
What's the solution?
eXcede LOA offers a comprehensive and collaborative AI-powered solution to streamline your LOA process and drive competitive advantage.
1
Gain Competitive Advantage by Leveraging Automation
eXcede LOA creates your LOA in seconds, via your phone, tablet, PC or Mac.
Your client can view and sign this instantly via E-sign.
2
Live Document Analysis
eXcede LOA scrapes data from provider responses and automatically completes an appropriate compliance checklist for the case type, populating information in seconds. We've prepared an email requesting the missing information—just review and send it to the provider.
This saves hours in unnecessary manual review and extraction.
3
Track LOAs in Real Time — See Progress, Ownership, and Opportunity
Get instant oversight of your LOA’s journey — see what's been received, what's outstanding, who's chasing, and how long the case has been active.
Access role-specific, real-time dashboards and tracking — whether you're in management, an adviser, or a paraplanner/admin.
Keep your team updated on progress with a single click.
4
Optional Future Release
Access top-tier paraplanning at the lowest cost
Once you have a completed LOA response and checklist, you can post your project on the Paraplanning Marketplace for qualified and experienced paraplanners to bid on. This ensures you receive the best available paraplanning services at the lowest cost.
5
Optional Future Release
Generate new income with Adviser Matching
If a case isn’t viable for you or your business, you can easily pass it on. Our system matches clients with authorised advisers actively seeking new opportunities. You can filter advisers by network, business, location, and other criteria to ensure the right fit. With our built-in handover service, the client is seamlessly transferred — helping you turn unworkable leads into revenue.
Buy work: Similarly, if you are an adviser looking for clients who are genuinely seeking pension advice, you can market your services through our platform.
Harness the Power of artificial intelligence
Create Client Profiles
Effortlessly manage and organise client information
Automated Compliance Review
AI-driven document analysis ensures adherence to FCA guidelines surrounding appropriate and accurate analysis
Generate Instant Executive Summaries
Instant insights on plan details, charges, and fund choices
Customise Workflows And System Access
Use the system for your unique business needs
Data driven insights
Help you better manage your admin resource
Increase Profitability with Pipeline Oversight
Make better commercial decisions about new business enquiries
Create and manage tasks in one place
Connecting your Management-Adviser-Admin team
“From LOA response to ceding scheme extraction, compliance checklists typically take admin staff 45 to 60 minutes and are prone to human error — our collaborative tool completes the entire process in under 90 seconds with incredible accuracy.”
Transform Your Pension Advice Process
Increased Efficiency
eXcede LOA provides a detailed and precise LOA checklist in just seconds, simplifying the process and saving valuable hours—or even days.
Your administrators will be able to focus on other valuable tasks while spending significantly less time evaluating LOA responses.
Empower you staff
This solution is designed to streamline administrative tasks, giving your team back valuable hours that can be better spent on high-impact activities. It empowers your staff to focus on what truly adds value, while handling the routine work efficiently.
Accuracy
Reduce human error from your process with AI-driven checks.
eXcede LOA empowers you to work smarter, not harder.
By automating time-consuming tasks and ensuring accuracy, you can dedicate more time to providing exceptional client service and growing your business.
Security & Data Protection
Our platform is purpose-built for FCA-regulated financial services firms, with a strong focus on UK and EEA data residency, client confidentiality, and regulatory alignment. From infrastructure to document workflows, we implement security-first architecture to ensure trust, resilience, and accountability at every layer.
Our Security Commitments
  • ✅ UK and EEA–only data storage for full localisation compliance
  • ✅ Encryption, MFA, audit logging, and access control by default
  • ✅ eIDAS-compliant digital signing with PSN-trusted UK infrastructure
  • ✅ Fully aligned with FCA expectations, UK GDPR, and ISO 27001
UK & EEA Data Residency
All data is stored exclusively in the UK or EEA, supporting full compliance with UK GDPR, EU GDPR, and FCA operational resilience expectations.
Anonymisation by Design
Our platform includes automatic masking of personal and sensitive data prior to any interaction with AI models. This ensures that personal and financial information is never exposed beyond your environment—ideal for regulated use cases where data minimisation and confidentiality are essential.
End-to-End Security Architecture
Data is encrypted in transit using TLS 1.2+ and at rest using AES-256 encryption. We implement role-based access control, multi-factor authentication, and comprehensive audit logging to maintain the highest security standards.
Digital Signing & Identity Assurance
Our integrated digital signing solution stores all signature data in UK data centres.
It fully complies with the eIDAS regulation, ensuring every Letter of Authority (LOA) is legally admissible, auditable, and tamper-proof with complete audit trails.
ISO 27001
eXcede LOA will operate on infrastructure certified to ISO/IEC 27001, the international standard for information security management systems (ISMS). This certification ensures we apply a systematic, risk-based approach to managing sensitive data, including customer and client information.
Cyber Essentials + Certification
eXcede LOA will be certified under the UK Government's Cyber Essentials scheme. This certification verifies that our systems are protected by robust security controls across firewalls, secure configuration, user access, malware protection, and patch management.
This approach allows safe integration with third-party tools, including AI models, without compromising data privacy or breaching regulatory controls. It enables innovation while protecting the individuals behind the data.
Register Your Interest Today
Revolutionise your pension advice process.
Register now below and lead in financial technology innovation.
2025 Excede Solutions Ltd, Registered in England and Wales
Oxford Innovation Space, UWE North Gate, Bristol, BS34 8RB
ICO Ref: ZB954520