Features that keep your risk fit continuously calibrated
Ivoryflirt monitors pensions, ISAs, mortgages and cash reserves together — so small changes in markets, rates, or household plans are reflected before they become problems.
Decision support only. No automated execution.
Live calibration snapshot
One connected view of household risk
Most tools look at one account in isolation. Ivoryflirt links capacity, timeline, and behaviour across your whole household balance sheet, then explains what changed and why.
A questionnaire from three years ago cannot reflect a new mortgage rate, a career break, or a shift in retirement plans. Ivoryflirt re-checks fit whenever your data or assumptions move.
| Traditional approach | Ivoryflirt approach |
|---|---|
| Single risk score 1–10 set at advice meeting | Risk bands recalibrated on new inputs |
| Accounts reviewed separately | Pensions, ISAs, mortgages and cash viewed together |
| Annual PDF report | Plain-English change log with next check |
Detailed feature descriptions with clear benefits
Each feature is designed to reduce uncertainty and support calmer, more consistent decisions.
Continuous risk calibration
We track capacity for loss, time horizon, and cash-flow buffer across pensions and ISAs. When contributions, valuations, or household costs shift, your fit score and band update automatically.
Mortgage and cash integration
Link mortgage term, fixed-rate end date, and emergency cash. Ivoryflirt flags when investment risk conflicts with near-term borrowing needs or thin reserves.
What-if scenario modelling
Test rate rises, reduced contributions, early retirement, or market falls. Scenarios show impact on timeline and buffer in plain language, not jargon.
Change log and next-check prompts
Every shift in band includes a short reason: what moved, by how much, and what to watch next. No black box, no unexplained alerts.
Built for real UK household decisions
Stay invested appropriately to retirement
- Feature
- Timeline-aware bands that tighten as retirement approaches.
- Benefit
- Reduces risk of being over-exposed late, or too cautious early.
Balance growth and accessibility
- Feature
- Separate ISA goals with individual horizons and buffers.
- Benefit
- Keep long-term ISA growth distinct from house-deposit or school-fee timelines.
Plan around fixed-rate endings
- Feature
- Forward look to remortgage windows and payment shocks.
- Benefit
- Build cash and adjust risk before higher payments begin.
A calmer monthly check, not daily noise
Ivoryflirt is designed for quarterly or event-driven reviews. You will not get trading alerts or performance chasing.
- Monthly fit summary in under 5 minutes
- Plain-English prompts only when bands change
- Exportable summary to share with partner or adviser
- Manual inputs — you stay in control of all decisions
Transparent, restrained, and human-led
We provide decision support. We do not execute trades, move money, or give regulated personal advice.
What Ivoryflirt does not do
- No automated buying, selling, or switching
- No product recommendations or provider rankings
- No daily market predictions or timing signals
Your data, your control
You enter high-level balances and terms. You can edit or delete inputs at any time. Summaries are for household planning and adviser discussion.
This page describes general functionality. Suitability depends on individual circumstances. Consider speaking to a qualified adviser before making pension, ISA or mortgage decisions.
Check if your current risk still fits
Answer a few questions about timeline, buffer, and borrowing. Get a clear starting band and next steps.
Request your risk-fit check
We will send a short household checklist and example calibration summary. No obligation.
We reply within one working day. Your details are used only to respond.
Decision support only. Ivoryflirt does not provide regulated financial advice and does not execute transactions. Past behaviour of markets is not a guide to future outcomes. Content on this page is a general draft and should be reviewed for your circumstances.