Portfolio intelligence · for investors managing £1M+
Until now, no single tool could handle wealth spread across multiple platforms, wrappers and structures. Unlock assembles the complete picture, continuously reconciling your holdings at lot level and with full tax awareness, so you understand your position before you act, not after.
Conflict-free by design — Unlock earns from subscriptions, not from what you hold. Public access opens October 2026.
Total portfolio
↑ £42,100 this month
EIS / SEIS
BPR clock active
IHT exposure
review due
| Holding | Wrapper | Value | Status |
|---|---|---|---|
| Global equity trackerlot basis £6.90/unit | HL ISA | £284,100 | CGT-free |
| Mixed allocationIHT scope Apr 2027 | SIPP | £612,500 | Pension IHT |
| EIS portfolio · 4 cos18 months into 2-yr clock | EIS | £285,000 | BPR qualifying |
| AIM portfolio · 14 holdings | AJ Bell | £193,800 | BPR partial |
| Primary residence | Property | £471,920 | IHT exposed |
| Total | £1,847,320 |
Liquidity runway: 14 months · Concentration: SIPP 33% · Cash buffer: healthy
Why this exists
01
The average HNW investor holds assets across multiple platforms, wrappers and structures. No single view exists — not from their IFA, not from their accountant, not from any one platform.
02
Every tool you use earns from what you hold through it. Your IFA can't legally advise on individual EIS companies. The gap sits exactly where the most tax-efficient decisions are.
03
Institutions have models, dashboards and analysts. Private investors with comparable wealth have a spreadsheet and gut instinct. Until now.
The advice gap
The UK advice gap isn't just a mass-market problem. The £500k–£25M cohort falls between the two market structures that exist — and neither was built for them.
Investable assets between £500k and £25M sit in the middle of a market built for either mass-affluent platforms or family offices. Neither was built for that cohort.
Your IFA can confirm EIS is suitable in principle. What they cannot do is advise which specific companies to back — the decision that most directly determines whether your programme succeeds.
This is not a gap a better adviser can close. It is a feature of the regulatory landscape — and it is exactly the territory Unlock was built to cover.
The solution
The Asset Register is the heartbeat of Unlock. Everything else builds on it.
A dependable, lot-level record of what you own and what the evidence says — the tax status of every asset already calculated.
Early warnings, risk checks and plain-English explanations grounded in facts. What matters, when it matters.
Read-only. No trading. No advice. Clarity you can act on — with your advisers, or independently.
Core tools live, others in active development. Illustrative data, no commitment.
Book a demo →The platform
Each tool runs off your Asset Register — the more complete it is, the sharper everything else gets. Read-only by design. The decision is always yours.
Every asset, every wrapper. Lot-level cost basis, IHT status and BPR clocks, automatic.
Concentration, liquidity runway and cash. Red / amber / green, with the lever to pull.
Your real liability, updated whenever the register changes. What's exempt, what's in its BPR window.
Ten named scenarios. Your beliefs weight each one. See the downside before you act.
Which wrapper to draw first, how long the money lasts, the estate at the end.
Relief claimed, qualifying periods and IHT status across every vintage you hold.
Ask anything about your numbers. Intelligence only — signposts to an adviser for regulated decisions.
Portfolio, decumulation and tax PDFs in one click — generated live, always current.
The heartbeat
| Holding | Wrapper | Value | Status |
|---|---|---|---|
| Global equity tracker | HL ISA | £284,100 | CGT-free |
| Mixed allocation | SIPP | £612,500 | Pension IHT |
| EIS portfolio · 4 cos | EIS | £285,000 | BPR qualifying |
| AIM portfolio · 14 holdings | AJ Bell | £193,800 | BPR partial |
| Total | £1,847,320 |
All figures illustrative
Every holding decomposed into original purchase lots — date, units, price — with cost-basis evolution to current value.
One picture across people, wrappers, accounts and entities. Hidden exposures surface naturally.
"Show assets bought above £100K now worth less than £80K." Natural language over structured truth.
How it works
You're onboarded before you've added a single asset.
Eight questions about your situation and beliefs. Unlock computes your investor profile automatically. You arrive already known.
Add every asset — CSV or manual. The moment it's added, Unlock flags its IHT status, BPR period and tax position.
Ten automated checks surface an unmitigated IHT bill, an income gap, a pension entering IHT scope. Each with a clear action.
Pricing
Unlock earns from your subscription — never from what you hold, trade or buy.
Synthetic-data sandbox.
Most popular
Manual upload, full intelligence.
Live feeds + concierge.
Targeted at investors with £1M–£20M+ portfolios.
About Unlock
Every existing platform earns from what you hold through it. Unlock doesn't. The only thing we optimise for is the clarity of your decisions.
No product commission. No AUM fee. We earn from your subscription — never from what you hold.
EIS, SEIS, IHT, CGT and pension drawdown modelled forward, continuously, as the rules change.
Your IFA can't legally advise on individual EIS companies. Unlock provides the intelligence for the territory they can't map.
The team
15 years building investor-introduction and capital-facilitation technology; facilitated significant investor capital over that period.
19 years in senior product leadership at Nedbank; wealth-platform architecture across four markets.
Multi-million-pound delivery for FTSE 500 clients.
Founder of Barclays Stockbrokers. Former Director General of TISA. Founding investor.