A web-based SaaS robo-advice solution for life and pension products that provides financial lifestyle recommendations straight through to acquisition. Advice Plus is a web-based SaaS robo-advice solution for life and pension products that provides financial lifestyle recommendations straight through to acquisition. Advice Plus provides automated advice to consumers at a fraction of the normal delivery cost by establishing the financial needs of the clients and then providing personalised recommendations. Advice Plus is aimed at organisations operating within a compliant and regulated environment as it allows for a fully auditable automated robo advice process.