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Client operations · Joint & household

One household, two clients, three generations

The advice that lands at a household — couples, families, intergenerational planning — sits on a different operational template than single-client work. Shared portals, household-level reporting, the suitability framing that respects both individuals. The pieces here cover the operational moves.

Household advice is becoming the dominant relationship shape for UK IFAs at the £500k+ AUM band. Two earners with joint and individual goals, an intergenerational wealth-transfer plan, a household-level reporting expectation. The articles below cover the operational templates that hold up. The cluster sits inside Client operations; for the underlying suitability framework, see Suitability reports.

More content coming through Q3 2026 — intergenerational planning templates, the household consolidated balance sheet, and the joint-vs-individual suitability question.