APT
thinking
Organisation. Adviser. Client.
We understand all three.
Bringing credible insight and real change
We help financial services businesses understand their clients, develop propositions, find opportunities for growth and turn strategy into action.
Our work spans the journey from insight and strategy through to implementation. We bring together management consulting experience, wealth management expertise and a practical understanding of how clients, advisers and organisations behave.
From thinking to doing. We turn insight and strategy into real-world improvement - from the initial idea through to implementation.
Insight
Understanding clients. Finding opportunities.
Good decisions start with understanding.
We help organisations build a clearer picture of their clients - their needs, behaviours, expectations and motivations - and identify where opportunities exist.
We combine research, analysis and sector experience to understand not just what clients say, but what they value, how they behave and what drives their decisions.
Typical areas include:
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Client segmentation and mapping
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Understanding client needs
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Client journeys
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Client technology engagement
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Globally mobile clients
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Market analysis
Proposition
Creating propositions clients value.
Insight only creates value when it changes what you offer.
We help organisations develop products, services and propositions that respond to changing client needs and are distinctive, relevant and commercially viable.
We consider the proposition from the perspective of the client, the adviser and the organisation - helping ensure that what looks compelling on paper works in practice.
Typical areas include:
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Product and proposition design
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Pricing
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User interface and experience
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AI selection and adoption
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Marketing and communications
Growth
Turning opportunity into growth.
Growth starts with understanding where the opportunity lies - and why clients will choose you.
We help organisations develop and execute growth strategies, whether through organic growth, new markets, new client segments, acquisition or consolidation.
We work across the growth journey - from identifying opportunities and defining the proposition and positioning, through to acquisition, conversion and implementation.
Typical areas include:
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Growing the right client base
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Profitability
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Adviser recruitment and retention
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M&A and consolidation
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New markets and client segments
Implementation
Making strategy happen.
Good strategy only matters when it changes what happens in practice.
We scope, design, deliver and review strategic and transformation projects, working alongside existing teams or taking responsibility for specific initiatives.
We bring practical experience of how organisations, advisers and clients actually respond to change - helping turn recommendations into tangible improvement.
Typical areas include:
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Integration of acquisitions
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Client and adviser migrations
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Technology implementation and adoption
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Process and journey improvement
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Proposition implementation
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Project scoping, delivery and review