AI cashflow planning, modelled live
in the room, with the client.

Yes. The UK engine covers income tax and NI, dividends, pensions and the annual allowance, PCLS, ISAs, capital gains tax, onshore and offshore bonds, and inheritance tax, with HMRC rates held for the current tax year and visible in the plan. Meridian Pro adds the full estate planning toolkit Voyant users rely on: gifts, trusts, DGTs, loan trusts and reliefs. If you would like to check it against a case you already know, bring a live client scenario to a demo and we will build it in front of you.

AI intake is part of Meridian Pro, and it does one job: it reads a Fact Find, CFR or set of meeting notes and turns it into a first draft of the plan, showing you where every figure came from and flagging anything ambiguous before it creates a thing. It does not give advice, it does not choose assumptions for you, and nothing is saved until you have reviewed and confirmed it. The source document is processed in memory and never stored. Client data is never used to train any AI model, ours or anyone else's, and that is a contractual commitment in the Data Processing Agreement rather than a promise on a marketing page. Every calculation behind the chart is the same deterministic engine either way - the AI does the typing, not the maths.

Minutes, not an afternoon. Meridian is built to be filled in during a meeting rather than prepared before one: enter the people, the assets and the spending, and the chart is already live as you type. Most advisers run their first real plan the same day they sign up. On Pro, the client's questionnaire or a Fact Find builds it for you.

None is required - no course, no certification, no rebuild of your process. The interface is deliberately built so an adviser who has never seen it can open a plan and talk through it. The Showroom lets you try exactly that before you sign up. If you get stuck, or have feedback or a feature idea, email support@meridiancashflow.com.

Standard is the complete live cashflow engine: the UK and international engines, couples and survivorship, stress testing, Monte Carlo, reports and firm accounts, with an inheritance tax estimate on every UK plan that already counts pensions in the estate from April 2027. You key each plan in yourself. Pro is the full Meridian. AI intake and the client questionnaire build the plan for you, every client can have a live, read-only link to their own plan, and the complete UK estate planning toolkit sits on top: gifts and the 7-year clock, discretionary trusts, discounted gift trusts, loan trusts, business and agricultural relief, and EIS and VCT. AI intake, the questionnaire and the client link work on UK and international plans alike. See everything in Pro.

Two things, both led by your name. The questionnaire is a clean, step-by-step form your client fills in on any device: about 10 to 15 minutes, rough figures welcome, saved as they go, and open for 14 days. The client link is a read-only page of their own plan, protected by a six-digit passcode you give them separately. They can hover across their charts year by year, but they cannot change a thing, and your notes, talking points and what-if modelling are never shown. Both are part of Meridian Pro.

Priced per adviser seat, and set for the whole firm. Every seat in a firm is on the same plan, so any adviser can open any client and pick up their plan where a colleague left it. A firm on Standard can move to Pro from inside the app in one click, and anyone it invites afterwards joins on Pro.

Not automatically yet, and we would rather say so plainly than promise it. In practice advisers rebuild their live cases as they come up for review, which takes a few minutes each - and on Pro, AI intake rebuilds a case from its latest Fact Find in under a minute. Bulk import is on the roadmap. If you are moving a whole book across, email support@meridiancashflow.com and we will talk it through.

Every figure on screen traces back to an assumption you can see and change, with no hidden black box, and the exported report carries your firm's name, the client's numbers and the assumptions used. The report is a cashflow illustration to support your advice, not a suitability report, and the advice remains yours.

You do. Data is encrypted in transit and at rest, isolated per firm at the database level, and stored in the UK (London). Every seat is protected by mandatory authenticator-app MFA. It is never used to train AI or for anything other than the plan you build. If you leave, you can export your reports and ask us to delete everything, and we will.

A fair question to ask any small software provider. Client data is backed up daily on a rolling seven-day retention window, and every plan exports to a self-contained PDF you keep, so nothing you have shown a client is ever locked inside the platform. Firm-level continuity commitments, including source code escrow, are available as part of an enterprise agreement.

Everything in your plan. One price per adviser, unlimited clients and plans, and every feature on this page for your plan. No contract, no implementation fee, no enterprise sales call to unlock the useful parts. Standard is the complete live planning engine; Pro is the full Meridian, with the plan built for you, a live link for every client and complete UK estate planning. If it does not earn its place in the first 30 days, one email refunds you in full.