Clear answers on how Ivoryflirt supports household decisions
What we do, what we don't do, and how our calibration and governance work for pensions, ISAs, mortgages and long-term planning.
Decision support only. No automated execution.
What this page covers
Frequently asked questions
Questions we hear most often
If you need detail on a specific household situation, use these answers as a starting point and then speak to a qualified adviser where appropriate.
How to use this page
Start with questions 1–3 for scope, 4–7 for method, and 8–10 for practical use. Each answer is intentionally brief.
This content is general information to help you understand our approach. It is not personal financial advice and does not replace professional guidance.
1. What is Ivoryflirt?
Ivoryflirt provides adaptive risk intelligence for UK households. It helps you review how pensions, ISAs, mortgages and cash reserves fit together, and highlights when a change in circumstances may warrant a review.
2. Is Ivoryflirt financial advice?
No. Ivoryflirt is decision support only. It organises information, explains trade-offs, and documents assumptions so you can have a more focused conversation with a qualified adviser where needed.
3. Does Ivoryflirt execute trades or move my money?
No. There is no automated execution. Any action — such as adjusting contributions, rebalancing, or making an overpayment — is taken by you, separately and deliberately.
4. How does continuous calibration work?
Calibration means regularly checking whether your current setup still matches your stated goals, time horizon and tolerance for variability. When income, spending, rates or timelines change, the review flags what to reconsider rather than making changes automatically.
5. What inputs do I need to provide?
Typically: household goals and timeframes, existing pension and ISA positions at a high level, mortgage terms, cash buffer, and any major upcoming changes. You control what you share and can keep detail at a summary level.
6. How does Ivoryflirt handle uncertainty?
By making assumptions explicit. Each review shows the inputs used, the range considered, and what would need to change for the conclusion to change. That way you can see sensitivity without relying on a single forecast.
7. Can it help with pensions vs. mortgage overpayments vs. ISAs?
Yes, that is a core use case. It structures the comparison around liquidity, time horizon, tax treatment in general terms, and household resilience, so you can weigh short-term flexibility against long-term security.
8. How often should I review my risk fit?
Most households review after a material change — new job, change in income, house move, family change, or rate change — and otherwise on a regular cycle, for example annually. The aim is steady review, not frequent reaction.
9. What happens to my information?
Your information is used only to prepare the review you request. We do not sell personal data. See our Privacy page for how information is handled, retained, and how you can request correction or deletion.
10. How do I get started?
Use the risk-fit check to outline your goals and current position. You will receive a structured summary of what to review next, which you can keep, discuss with family, or take to an adviser.
Our approach
Structured, calm review — not reactive decisions
Household decisions interact. A pension choice affects cash flow. A mortgage choice affects flexibility. Ivoryflirt keeps those links visible so reviews stay consistent over time.
- Documented assumptions you can revisit
- Focus on resilience across scenarios, not prediction
- Human decision at every step — no automation
Next step
Check whether your current setup still fits
A short, structured check to clarify goals, timeframes and what to review next.
What you will get
A plain-language summary of your stated position, key sensitivities, and suggested review points to discuss or revisit.
General information only. Not personal advice. No automated execution.
Prefer to read more first? See Methodology.