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Our business model

Quilter is an omni-channel, full-service wealth manager, with an open and unbundled model and client choice at the heart of the offering. Our business model supports our advisers and their clients as their financial requirements evolve throughout their lives.

How we operate

Our business is comprised of two client-focused segments: High Net Worth and Affluent.

High Net Worth


A typical UK-based customer approaching Quilter to manage their wealth needs three things:

  • ‘a financial plan’;
  • a means of holding their assets safely (‘Platform’) in the right tax efficient wrapper; and
  • an investment strategy aligned with their risk appetite and investment horizon – ‘solutions’.

We earn revenues from the assets under our management or administration as a result of providing advice-led investment solutions and our platform to customers across the UK.

Quilter has a multi-channel access model, with two core strategies – the first whereby customers can come to us through our advisers or secondly through the open market channel with their own independent adviser.

When we support a customer to manage their wealth in more than one area, and therefore earn more than one revenue stream, we refer to it as an ‘integrated flow’.

The unbundled, open nature of our model, offering flexibility to use one, two or all three components:

  • provides customers and their advisers with choice at every stage and imposes external market discipline on our propositions
  • provides Quilter with greater market breadth, customer and adviser choice, supporting long-term customer relationships.
Our business model diagram