Suitability
Structured guidance and evidence-ready outputs.
Suitability assessments that scale across your firm
Move beyond static PDFs. Build a repeatable suitability engine that is consistent, evidence-based, and easy to review.
By Plannetic Editorial
Highlights
COBS coverage
COBS 9/9A
Suitability plus pensions and retirement guidance.
Evidence inputs
6 inputs
Objectives, horizon, ATR, CFL, affordability, vulnerability.
Review trail
Traceable
Clear link from inputs to recommendation.
Regulatory Standards and Suitability Burden
COBS 9 and COBS 9A set out the requirement to ensure personal recommendations are suitable. That means the advice must align to objectives, risk profile, time horizon and vulnerability considerations.
Regulators increasingly expect consistency: clear inputs, traceable reasoning and outputs that are reviewable. A consistent framework is what makes suitability scalable without lowering evidential quality.
Input Discipline for Scalable Suitability
Capture a consistent baseline: objectives, time horizon, ATR, CFL, affordability and vulnerability indicators. Missing data should block completion until resolved.
Consistency in inputs is what makes outcomes defensible and MI reliable.
Output Design for Oversight and Client Clarity
Outputs should read like a decision trail: what was captured, what was concluded and why. That makes internal review faster and external scrutiny far easier.
Summaries should be clear enough for clients and structured enough for compliance teams.
Applying the Model in Plannetic
Plannetic standardises suitability assessments across your firm, auto-generates summaries, and keeps every rationale linked to evidence.
Compliance can review by exception while advisers maintain a consistent client experience.