Cross-Provider Household Wealth Intelligence

Discover How Households Plan & Move Wealth Across the Entire Financial Cycle.

Internal data shows what consumers do with you. Wealth Intelligence shows you what they do, everywhere. Optimise segment targeting, benchmark competitor performance, and discover underserved and misallocated segments for targeted support compliance.

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9,556+
Households Modelled
63+
Providers Tracked
13
Months of Data
100%
First-Party Data
What We Offer

Proprietary Cross-Provider Consumer Intelligence

Wealth Intelligence captures real-time financial modelling behaviours showing you household demographic value, who's at risk of switching and where to focus your energy - before it shows up in the data.

Real Consumers, Not Panels
First-party data from real UK households actively modelling financial decisions. Not surveys, not panel estimates, not open banking aggregation.
57+ Providers Tracked
Cross-provider coverage across ISAs, pensions, credit, insurance and estate planning. Provider-level market share, switching flows and competitive benchmarks.
Pre-Purchase Intent Data
Captured at the point of decision, before consumers commit. See what they are considering, comparing and planning across the market.
Aggregated & Anonymised
Household-level behavioural intelligence, fully anonymised and aggregated. Ready to act on for strategy, segmentation and regulatory reporting.
Who It's For

Four Teams. One Blind Spot. One Dataset.

Wealth Intelligence serves product, retention, marketing and compliance teams across banks, wealth managers, fintechs, platforms, pension providers and insurers.

Product Strategy & Portfolio

"We launch products blindly. We don't know what wrappers or features customers actually use across providers."

See which wrappers, contribution levels, and drawdown strategies consumers actually choose across every major provider. Design products that match real demand, not internal assumptions.

Retention & CRM

"We lose customers and assets but don't know why. Internal data is blind to external activity."

Spot switching intent and asset leakage before it hits your outflow numbers. See exactly where customers go, which providers they choose, and which segments are most at risk.

Marketing & Segmentation

"Our campaigns are generic because we only know what customers hold with us, not what they do elsewhere."

Build segments from real cross-provider wealth behaviour: ISA contribution patterns, drawdown strategies, wrapper preferences, and switching signals. Target the right customers with the right message.

Compliance & Targeted Support

"The FCA expects defensible evidence for PS25/22 segments. Internal data alone won't pass scrutiny."

Independent cross-provider evidence for COBS 9B targeted support segments, Consumer Duty outcome monitoring, and regulatory reporting. Full methodology documentation and FCA-aligned explanations included.

What We Cover

Full Household Financial Cycle

Wealth Intelligence tracks how households accumulate, grow, protect, draw down and transfer wealth across their entire financial lives, across 57+ providers.

Whether you're benchmarking product features, modelling retention risk, building campaign segments, or evidencing COBS 9B compliance, the same underlying dataset powers every use case.

1
Starting Out
ISA openings, SIPP investments, first-time saving and investing
2
Maturing
Investment growth, credit management, protection calculations, portfolio building
3
Advanced
Inheritance planning, estate transfers, intergenerational wealth flows
4
Retired
Drawdown timing, withdrawal behaviours, income strategy decisions
▶
▶
▶
▶
Wealth Lifecycle
Continuous cycle of UK household capital
1
Accumulation
2
Growth
3
Transfer
4
Decumulation
Segment Discovery

Consumer Data You Can't Get Internally

Cross-provider behavioural data reveals consumer groups that no single firm can build from internal data alone. Used for product design, retention, campaign targeting and regulatory compliance.

Under-Invested Savers
You can see your own clients' balances. You can't see how their ISA-to-pension contribution ratios compare across providers by age band. Our data reveals which accumulation cohorts are under-contributing relative to market norms.
Pension Contribution Nudge
Unsustainable Drawdown
You know your clients' withdrawal rates. You don't know if those rates are sustainable compared to market-wide drawdown behaviour by age and pot size. Our data benchmarks drawdown sustainability across the decumulation population.
Drawdown Sustainability
Pre-Retirement Gap
You see clients approaching retirement. You can't benchmark their readiness against cross-provider contribution rates by income band. Our data reveals which 50–60 year olds are under-funded relative to peers across the market.
Retirement Planning
Wrapper Optimisation
An ISA provider sees wrapper balances. A pension provider sees pots. Neither can see ISA-to-pension allocation rates across both wrappers, by age group, in accumulation and decumulation. Our data reveals cross-wrapper misallocation.
Tax Efficiency
Inheritance & Transfer
No single firm can observe intergenerational capital flows across providers, where wealth moves from decumulation-phase clients to accumulation-phase beneficiaries. Our data tracks these transfer patterns by age and wrapper type.
Estate Planning
Cash-to-Investment
You can see your own cash/investment split. You can't compare cash holding rates across providers and age bands to identify consumers who would benefit from investing. Our data reveals the market-wide cash drag by demographic.
Investment Nudge
Data Dictionary

What We Measure Across Every Household

Every consumer in our dataset is profiled across these dimensions, providing the granularity needed for product benchmarking, retention analysis, campaign targeting, and regulatory segment design.

Age Band
18–24, 25–34, 35–44, 45–54, 55–64, 65+
Income Band
Under £20k to £100k+
Region
UK-wide coverage
Lifecycle Stage
Accumulation or decumulation phase
Under-35 Share
Young adult proportion per cohort
Pension Age Bands
Under 45 to 75+ (8 bands)
ISA Opening Deposit
Mean initial contribution amount
Monthly Contribution
Regular monthly deposit amount
Deposit Band
Under £1k to Over £20k
Pension Pot Size
Mean & median pot, by band
Pot Distribution
Under £50k to Over £1M
First ISA Rate
New-to-market ISA saver proportion
Withdrawal Age
Mean planned withdrawal age
Drawdown Strategy
4% rule, custom withdrawal, annuity
Tax-Free Cash Uptake
25% lump sum take-up rate
Lump Sum Percentage
Mean % of pot taken as lump sum
Drawdown Purpose
Retirement, self-invest, savings, debts
Under-60 Share
Early drawdown proportion
ISA Provider
57+ providers tracked with market share
Wrapper Type
Cash ISA, S&S ISA, Pension, SIPP, Credit
Transfer Intent
Provider switching signals (%)
Provider Market Share
Share (%) with MoM momentum
Cash / S&S Split
Cash ISA vs Stocks & Shares ratio
Rate Sensitivity
Interest rate impact on provider choice
Accumulation Index
ISA capital building strength score
Decumulation Index
Pension capital release strength score
Net Flow Signal
Capital Building vs Capital Releasing
Switching Threshold
Rate at which switching behaviour triggers
Behavioural Personas
Clustered consumer archetypes
Confidence Score
Statistical reliability per metric
All characteristics are captured at first-party source from consumer financial planning interactions. No PII exists at any stage.
Who We Are

Built by Financial Data Specialists

Wealth Intelligence is the cross-provider consumer intelligence platform of TFE Group Ltd. We give product, retention, marketing and compliance teams the cross-provider behavioural data their internal systems cannot provide. First-party. Anonymised. Updated monthly.

9,556+
Households Modelled
63+
Providers
4
Lifecycle Stages
Our Approach
TFE Group builds proprietary consumer modelling tools that generate unique behavioural datasets. These tools are used by real UK households to model financial decisions across providers, producing cross-provider intelligence that no single firm can replicate internally.
Data Principles
No PII at source. No third-party data purchases. No survey panels. Every data point reflects a real consumer action on a TFE Group platform.
The Dataset

Real Behaviour. Real Decisions. Across the Market.

First-party behavioural data from UK households actively modelling financial decisions across 57+ providers. Not surveys, not estimates, not panel extrapolations.

9,556+
Total Households Modelled
63+
Providers Tracked
13
Months of Data
Monthly
Refresh Cadence

Every data point is captured from first-party consumer interactions on TFE Group's proprietary network of financial planning tools. Consumers actively research ISA providers, pension drawdown options, credit products, and investment strategies, generating the cross-provider behavioural data that powers evidence-based segmentation. No PII is stored. No data is purchased from third parties.

First-Party Data No PII at Source Proprietary Collection Monthly Refresh
Accumulation Segmentation

ISA Market Data Preview

Cross-provider ISA data covering cash-to-investment rotation, contribution patterns, provider switching, and segment-level behaviour across 57+ providers.

X,XXX
Households Modelled
£30,777
Mean Opening Amount
10.7%
Transfer Intent
88.1%
Cash ISA
/
11.9%
S&S ISA
ISA Provider Market Share
# Provider Share MoM
1 Nationwide ██% ██
2 Lloyds ██% ██
3 Trading 212 ██% ██
4 NatWest ██% ██
5 Halifax ██% ██
Rate Sensitivity
4.10%
Market Avg Rate
16%
Seeking ≥4.5%
Rate Sensitivity Data
Full rate sensitivity analysis available in the ISA Segmentation report
Request Briefing
Demographics
27.0%
Under 35
58.5%
First-Time ISA
Key Signal
Wrapper rotation shifting toward S&S. Stocks & Shares allocation up +4.8pp to 11.9%, Cash at 88.1%. Transfer intent steady at 10.7%. Mean opening amount rising at £30,777 (+29.8%).
Request Full ISA Segmentation Data
Decumulation Segmentation

Pension Drawdown Data Preview

Cross-provider drawdown data covering withdrawal sustainability, retirement timing, pot distribution, and decumulation behaviour by age and pot size.

X,XXX
Households Modelled
£513,158
Mean Pension Pot
62.5
Mean Withdrawal Age
XX%
4% Rule Adoption
Withdrawal Strategy Split
XX%
4% Rule
XX%
Custom Rate
XX%
Annuity
Strategy Breakdown
Full withdrawal strategy analysis available in the Pension Segmentation report
Request Briefing
Tax-Free Cash & Demographics
100.0%
Max 25% Tax-Free
£128,289 est. release
36.8%
Under 60
Drawdown Purpose
Fund Retirement
84.2%
Other
10.5%
Pay Down Debts
5.3%
Pot Distribution
Under £50k
5.3%
£100k–£200k
5.3%
£200k–£500k
52.6%
£500k–£1M
26.3%
Over £1M
10.5%
Key Signal
Withdrawal strategies are split: 57.9% systematic (4% rule) vs 42.1% custom rates, with systematic adoption gaining ground (+11.1pp). Tax-free lump sum uptake at 100.0%, accelerating MoM. Capital release pressure remains significant. Early planning demand visible: 36.8% under 60, mean withdrawal age 62.5.
Request Full Pension Segmentation Data
Sample Report

See a Full Segmentation Report

Download a real Wealth Intelligence ISA report with all data values redacted. See the consumer segments, provider rankings, behavioural personas, and market signals your team would receive each month.

Download Sample Report
Full Report Format Redacted Data No Sign-Up Required
Market Validation

Platform & Provider Data Preview

Validate which segments exist, how large they are, and how they behave, with provider-level switching and market share data.

10.7%
Transfer Intent
+3.1pp MoM
63+
Providers Tracked
X.XX%
Avg Rate
/
XX%
Seeking ≥4.5%
Rate Sensitivity
XX%
Cash-to-S&S Rotation
ISA Provider Market Share
# Provider Share MoM
1 Nationwide ██% ██
2 Lloyds ██% ██
3 Trading 212 ██% ██
4 NatWest ██% ██
5 Halifax ██% ██
6 Santander ██% ██
7 Vanguard ██% ██
8 HSBC ██% ██
Provider Market Share Distribution
Provider A Provider B Provider C Provider D Others
Provider Distribution
Full provider market share breakdown available in segmentation reports
Request Briefing
Switching & Competitive Dynamics
Transfer intent at 10.7% is within normal range. up 3.1pp MoM. Gaining share: Nationwide (+2.0pp), Lloyds (+2.3pp), Halifax (+2.0pp). Losing share: Trading 212 (-2.0pp), NatWest (-1.8pp).
Request Full Market Validation Data
Data Sources

Where the Segmentation Data Comes From

Proprietary consumer modelling tools that capture real financial decisions: the cross-provider behavioural signals that power product strategy, retention analysis, segmentation and compliance evidence.

ISA Comparison Tools
Cash ISA and Stocks & Shares ISA modelling tools capturing provider preferences, deposit amounts, and switching intent
Pension Drawdown Planners
Retirement income modelling tools tracking pot sizes, withdrawal timing, tax-free cash decisions, and drawdown purpose
Credit & Borrowing Tools
Mortgage, loan, and credit card modelling tools capturing borrowing behaviour, debt-to-income ratios, and credit management patterns across demographics
Insurance & Protection Modellers
Life insurance, income protection, and critical illness modelling tools revealing coverage needs and risk appetite
Inheritance & Estate Tools
Estate planning modelling tools capturing inheritance tax thresholds, gifting behaviours, and intergenerational wealth transfer patterns
Investment Planning Tools
SIPP and general investment modelling tools tracking contribution levels, risk preferences, and platform selection
Household Finance Planners
Cross-product tools capturing savings-to-investment pathways, credit behaviours, debt-to-wealth transitions, and overall financial health signals
Latest Insights

Research & Market Analysis

Free intelligence from our research team covering ISA flows, pension trends, credit behaviours, and household wealth dynamics across the UK market.

The Internal Data Blind Spot That Is Costing You Customers and Assets
Strategy
The Internal Data Blind Spot That Is Costing You Customers and Assets
Every financial services firm has the same problem: internal data shows what customers do with you, but nothing about what they do across the market. That blind spot is costing you in product design, retention, and growth.
2026-03-18
 How to Prevent Asset Leakage with Cross-Provider Intelligence
Strategy
How to Prevent Asset Leakage with Cross-Provider Intelligence
Asset leakage is one of the most expensive problems in financial services — and one of the hardest to detect with internal data alone. Cross-provider behavioural intelligence gives retention teams the early warning system they need.
2026-03-14
 Using Cross-Provider Data to Build Products Customers Actually Want
Strategy
Using Cross-Provider Data to Build Products Customers Actually Want
Product teams at financial services firms design using internal data — which only shows what existing customers do with them. Cross-provider demand signals reveal what the market actually wants.
2026-03-12
View All Insights
Intelligence Products

What We Deliver

Cross-provider consumer intelligence for product teams, retention leads, marketing strategists and compliance officers. All products include methodology documentation and data provenance.

Enterprise Data Licence
Full historical dataset across 12+ months of cross-provider intelligence. Internal distribution, custom data extracts, API access and dedicated account management for large platforms and providers.
  • Full SIPP + Pension Drawdown + ISA + Credit + Estate Planning dataset
  • 12+ months of historical segmentation data
  • Unlimited internal distribution
  • Custom segment builds to your specification
  • API access to behavioural datasets
  • Monthly data refreshes with early access
  • Quarterly strategic briefing with TFE team
  • Dedicated account manager
  • Consumer Duty board reporting pack
Get in Touch
Annual Intelligence Subscription
The complete cross-provider dataset with monthly updates. ISA, pension, credit and cross-wrapper segmentation for product strategy, retention monitoring, campaign targeting, and Consumer Duty compliance.
  • Full ISA + Pension + Credit + Cross-Wrapper dataset
  • Monthly segmentation updates
  • Switching intent signals and retention alerts
  • Drawdown sustainability benchmarks
  • Accumulation & Decumulation Index
  • Quarterly briefing call with TFE analysts
  • FCA-aligned methodology documentation
  • Consumer Duty annual reporting evidence
Request Access
6-Month Evidence Pack
Six months of segmentation intelligence for one category of your choice: ISA, Pension Drawdown, SIPP, Credit or Estate Planning. Ready-made for product benchmarking, retention analysis, or Consumer Duty evidence.
  • Choose one: ISA, Pension Drawdown, SIPP, Credit or Estate Planning
  • 6 months of cross-provider segmentation
  • Provider market share with MoM momentum
  • Switching intent and transfer rate analysis
  • Demographic breakdowns (age, income, region)
  • Behavioural personas with commercial actions
  • Methodology document and FCA context
  • Exportable charts and data tables
Request Access
Single Intelligence Report
One-off segmentation report for a specific dataset. Ideal for initial evaluation, a focused compliance requirement, or a one-off product or retention analysis.
  • Segment definitions and characteristics
  • Provider market dynamics summary
  • Behavioural signals and switching data
  • Demographic breakdowns
  • Methodology and FCA-aligned explanation
  • Charts, tables and exportable data
Request Access
Get Started

Request a Data Briefing

Tell us about your organisation and what you're trying to solve: product design, retention, campaign targeting, or regulatory compliance. We'll arrange a focused briefing showing the cross-provider data most relevant to your team.

Thank you. We'll be in touch within 48 hours to arrange your briefing.