How Hybrid AI Is Cutting Suitability Report Time for Financial Advisers
A new white paper covered in FT Adviser describes something every adviser already knows: suitability reports take too long. The research found that more than 70 percent of firms spend up to seven hours creating a single report. Even with templates, checklists, and tech systems in place, it’s still a constant choke point that consumes the week.
The conclusion: manual, paper-led processes have become the bottleneck holding the advice industry back.
At the core, manual paperwork and manual suitability report writing, put a cap on capacity. Every hour spent moving data between systems, and arduously typing behind a desktop, is an hour not spent on client conversations, strategy, or firm growth.
What makes this study stand out is that it doesn’t just name the problem. It tests the alternative. When advisers adopted a hybrid model of combining automation with human review, overall report-writing time dropped by nearly 60 percent.
Sarah Watts, Head of Delivery at Timothy James, put it simply:
“You upload the fact-find, the illustration, the pension research, costs and charges — and it produces a suitability report. A human still reviews it, but they’re reviewing a fantastic report. Finally, tech that makes humans more efficient and their work more enjoyable.”
It is the balance advisers have been waiting for. Technology that reduces administrative burden without removing human judgement.
At Automwrite, that’s exactly what we build for. Our AI-driven suitability reports combine speed with oversight, giving advisers more time to serve clients and more confidence in the compliance behind every document. Automwrite helps advisers by allowing them to upload client documents, parse and interact with the data through chat or text, request client details and information, and instantly write a fully branded, compliant, and personalised report in real time. From annual reviews to pension switch, the list of available letters keeps growing.
Suitability reports don’t need to be a “choke point.” They can be the part of your process that runs so smoothly you barely notice it.
See how Automwrite helps firms cut report time, strengthen compliance, and make the work of advising more human.
Suitability Report FAQ
Why do suitability reports take so long?
Most advisers still rely on manual data entry and document formatting. Collecting client information, checking compliance, and rewriting sections can take hours, even before the review stage.
How much time can AI realistically save?
Studies show that using automation in report writing can cut total time by nearly 60 percent. AI handles structure and data validation, leaving advisers to focus on reviewing content and ensuring suitability.
What is a hybrid model for suitability reports?
A hybrid model blends AI-generated drafts with human oversight. The system creates the first version; the adviser reviews and personalises it. This balance maintains compliance and quality while saving time.
Does automation reduce human judgement?
No. The adviser remains responsible for the suitability and advice outcome. AI simply manages the repetitive steps so human insight stays where it matters most—interpreting the client’s needs.
How can Automwrite help?
Automwrite automates FCA-compliant suitability reports through a hybrid model that saves time without losing control. Advisers stay focused on advice, not administration, and deliver reports faster, with full audit traceability.
