Dynamic Planner vs Scenarios

Dynamic Planner is a financial planning and advice platform for UK advice firms and wealth managers. Its workflow spans client profiling, cash-flow modelling, suitability reports, investment selection and ongoing reviews; firms can use the full platform or select modules. It includes client portal, goal planning, scenario analysis and investment planning, with integrations for intelliflo office, Iress Xplan, Time4Advice CURO and Salesforce. The maker says it provides automated valuations, daily platform valuations and real-time updates from more than 26 platforms and providers. Review and Review Plus licences include live meeting transcription and structured summaries. The maker says client data is stored in Microsoft Azure infrastructure in the UK or EEA, encrypted, and handled in an environment compliant with ISO 27001 and GDPR. Its AI Charter describes user choice, human oversight and audit trails; the maker also says it holds ISO/IEC 42001 certification for AI management systems. Dynamic Planner is listed for web, Android, iOS and API use. Tram supports mobile phones, but not tablets or laptops, and the maker says it has no immediate plans for a web version. Prices are subject to VAT; listed plans include Profiling at £60 per month per adviser and Review at £124 per month per adviser.

Scenarios is a web-based financial modelling tool for exploring retirement projections, testing assumptions and considering long-term trade-offs. It runs 1,000 independent simulations using investment returns, inflation and market conditions, then presents results as percentile bands. The free plan includes a wealth fan chart, editable plan inputs and configurable assumptions.

Paid features include a UK tax engine modelling 2026/27 rules, including Scottish income tax bands, capital gains, dividend and savings taxes, and pension allowances. Planning tools include cashflow and portfolio analysis, scenario comparison, retirement safety analysis, withdrawal strategies, inheritance tax planning, life events and spending phases. Solo costs £6/month billed annually (£72/year) and allows three saved plans, 100 AI requests per month and comparison of up to three scenarios; it does not include couple modelling. Duo costs £10/month billed annually (£120/year), supports joint modelling for two people and provides a combined household view. The maker says data is encrypted in transit and at rest, hosted in the EU and not transferred outside the UK/EEA. Scenarios says it is UK GDPR compliant and does not provide financial advice; its projections are illustrative and educational.