Timeline

What Timeline does

Timeline is a UK fintech company that provides an integrated ecosystem of financial planning software, evidence-based model portfolio services, and a custody and administration platform for independent financial advisers and financial planning firms. Its architecture unifies a customisable factfind, risk profiling, cashflow modelling stress-tested against 100+ years of capital markets data, an integrated IHT planner, digital Letters of Authority powered by Pension Lab, a client portal, and Pennee — an AI assistant that retrieves knowledge, drafts communications and triggers workflows across the connected data set. The investment layer spans Classic and Tracker model portfolios with ESG variants, plus the TM Timeline multi-asset fund range (four NURS-structured funds launched August 2025) with Northern Trust as custodian/depositary and Tutman as Authorised Corporate Director.

The business operates through two wholly-owned subsidiaries of Timeline Holdings Ltd: Timelineapp Tech Limited (planning software, unregulated) and Timeline Portfolios Limited (FCA-authorised, FRN 840807, for investment services). Timeline monetises through recurring AUM-linked management fees on its MPS and multi-asset funds (Tracker ~0.16% combined, Classic 0.13–0.22%, multi-asset 0.20% ongoing charges), planning software subscriptions, and platform/custody service fees. Distribution combines a direct field-sales motion through regional directors with channel partnerships via SS&C Hubwise, Fundment, AJ Bell Investcentre and intelliflo, supported by the annual Adviser 3.0 conference, Timeline Edge webinars and two podcasts. By September 2023 the firm had reached £3.2bn AUM, ranking #9 among UK DFMs and earning Defaqto's Most Recommended MPS by Advisers and NextWealth's fastest-growing DFM recognition.

Name

Timeline

Legal name

Timeline Holdings Ltd

Website

https://timeline.co

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

51–100 employees

Short description

Timeline is a UK fintech providing an integrated ecosystem of financial planning software, evidence-based model portfolios, and a custody platform for independent financial advisers, with FCA-regulated investing, multi-asset funds and an AI assistant unifying the stack.

Ownership category

akta.pro rank

Product category

Wealth Management Technology

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Investment Advice (6282), Finance Services (6199), Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Retirement Planning & Long-Term Financial Planning Tools (FSAGADAI), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Expense Tracking & Financial Dashboards (FSAGADAB), Enterprise Performance Management (EPM) & FP&A Platforms (HDAEAEAK)

Keywords

• Financial planning software
• Model portfolio services
• Wealth management platform
• Investment management technology
• Discretionary fund management

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Model Portfolio Service (MPS) Management Fees: Timeline earns fees on assets under management within its model portfolio service. The Tracker MPS charges approximately 0.16% (OCF plus DFM fee), while the Classic range charges 0.13-0.22% depending on equity allocation.
2. Multi-Asset Fund Management: TM Timeline multi-asset funds launched August 2025 charge 0.20% ongoing charges. The funds offer CGT efficiency, natural income, and FSCS protection through NURS structure.
3. Planning Software Subscription: Financial advisers pay for access to Timeline's planning software including factfind, cashflow modelling, IHT planner, and reporting tools.
4. Platform Services: One login, one dashboard providing digital onboarding, KYC/AML, account management, trades, documents, LOAs and transfers for custody and administration.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels9 records

Core offering

Timeline operates a fully integrated ecosystem for UK financial advisers combining three core product lines: Timeline Planning (financial planning software with cashflow modelling, risk profiling, IHT planning, factfind, and digital Letters of Authority), Timeline Portfolios (low-cost evidence-based model portfolio service with Classic, Tracker, and ESG ranges plus a NURS-structured multi-asset fund range), and Timeline Platform (custody, order handling, digital onboarding with KYC/AML, account management, and client portal). All three are unified under one login with Pennee, an embedded AI assistant that operates across the connected client, planning, portfolio, and platform data.

Product overview

Timeline is a fully integrated ecosystem for UK financial advisers combining three core components: Timeline Planning (financial planning software with cashflow modelling, risk profiling, IHT planning, AI-enabled factfind, and digital LOAs), Timeline Portfolios (evidence-based model portfolio service with Classic, Tracker, ESG, and multi-asset fund ranges offering low-cost globally diversified investment solutions), and Timeline Platform (custody, order handling, digital onboarding, KYC/AML, client portal, and firm-level reporting). The ecosystem is unified under one login with Pennee, an AI assistant that connects across planning, portfolios, platform, reports, workflows, and client records to help advisers work more efficiently.

Differentiator

Problem solved

Functional benefit

Brands

• Pennee: AI assistant for financial planners embedded within Timeline's ecosystem, helping advisers prepare meetings, draft reports, build cashflows, send FactFinds, and trigger workflows.

Products and services

• Timeline Planning Financial planning software providing cashflow modelling, risk profiling, IHT planning, digital Letters of Authority, factfind, and customisable reporting, stress-tested against 100+ years of real capital markets data with full audit trails. Sold to UK financial adviser firms.
• Timeline Portfolios (Model Portfolio Service) Evidence-based model portfolio service (MPS) offering low-cost, globally diversified portfolios following Nobel Prize-winning principles, including Classic (with value and small-cap factor tilts), Tracker (market-cap weighted index exposure), and ESG variants across risk profiles from 0-100% equity. Sold to UK financial adviser firms.
• Timeline Platform Integrated investment platform providing custody, order handling, digital onboarding with LOAs, KYC/AML, account management, trade execution, documents, transfers, and a client portal with secure messaging. One login unified dashboard for advisers. Sold to UK financial adviser firms.
• TM Timeline Multi-Asset Fund Range UK-domiciled NURS multi-asset fund range comprising four funds (30-50%, 50-70%, 70-90%, 100% equity) mirroring the Tracker MPS building blocks. Designed for CGT efficiency, natural income via income share classes, and FSCS protection. Sold to UK financial adviser firms via platform distribution.
• Pennee AI Assistant AI assistant embedded within Timeline's ecosystem that helps advisers prepare meetings, draft reports, build cashflows, send FactFinds, and trigger workflows through natural language chat, with explicit adviser approval required before any output is sent or actioned. Sold to UK financial adviser firms.
• Timeline Classic Globally diversified model portfolio with exposure to value and small-cap premium factors, with 0-100% equity allocation range and average OCF of 0.13-0.22%. Sold to UK financial adviser firms.
• Timeline Tracker Market-cap weighted portfolio tracking global equity index alongside a diversified fixed-income portfolio according to risk/return requirements. Typical OCF of 0.08%. Sold to UK financial adviser firms.
• Timeline ESG Classic Globally diversified ESG portfolio capturing value and small-cap premium while improving ESG credentials with low-carbon philosophy. All equity funds designated sustainable funds. OCF 0.13-0.27%. Sold to UK financial adviser firms.
• ESG Tracker Diversified ESG portfolio capturing global market performance with minimum active risk while improving ESG rating. Typical OCF of 0.11%. Sold to UK financial adviser firms.
• Digital Letters of Authority (LOAs) Automated LOA processing powered by Pension Lab network, providing automatic chasing communications, ETA visibility, inbound scanning, and provider routing intelligence. Can reduce LOA administration time by up to 80%. Available to UK financial adviser firms using Timeline Platform.
• Timeline Platform - Northern Trust Custody and Tutman ACD Services Institutional-grade custody, fund administration, and depositary services provided through Northern Trust for TM Timeline multi-asset funds, with Tutman as independent ACD, underpinning the platform's regulatory and operational infrastructure.

Quantifiable outcome

• Digital LOAs can reduce administration time by up to 80% compared to traditional paper-based approaches
• +4 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability5 records

Feature10 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Northern TrustcoreImplementation/ SI/ Consulting Partner · 12 August 2025Sub-investment manager, fund administrator, custodian, and depositary for TM Timeline multi-asset fund range. Selected for institutional scale, deep servicing capability, and competitive pricing. Tutman acts as independent Authorised Corporate Director.
• SS&C HubwisecoreTechnology or Integration · 27 February 2024Timeline portfolios made available on SS&C Hubwise platform including through wealthlink partnership with intelliflo. Enables advisers to implement investment and pension plans directly from intelliflo's software with seamless data integration.
• Just GroupcoreStrategic or Co-development Partner · 22 January 2024Partnership to enable financial advisers to use Timeline's planning technology to model Just's Secure Lifetime Income (SLI) solution within SIPP drawdown portfolios. Timeline's software helps advisers demonstrate how guaranteed income can improve retirement outcomes and sustainable income delivery.
• FundmentcoreTechnology or Integration · 6 December 2023Integration allowing advisers using Timeline Portfolios on Fundment to access full client list within the Timeline ecosystem without re-keying information. Advisers can monitor client fund allocation drift with daily updates.
• Pension LabcoreTechnology or IntegrationDigital LOA functionality powered by Pension Lab network, providing automatic chasing, ETA visibility, inbound scanning, and provider routing intelligence for Letters of Authority management.
• WovenminorImplementation/ SI/ Consulting PartnerPartnership for bulk data import from adviser back-office systems into Timeline platform, including suitability reports for platform switches and data cleaning services.
• intelliflocoreTechnology or IntegrationWealthlink partnership between intelliflo and SS&C bringing together intelliflo Office software with SS&C platform capabilities. Timeline portfolios integrated through this ecosystem.
• AJ BellcoreChannel Partner/ Reseller/ DistributorTimeline models made available on AJ Bell Investcentre platform, expanding distribution to advisers using this platform.

Scale indicators5 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Tatton Investment Management: UK-listed discretionary fund manager and MPS provider serving IFAs with model portfolios and platform-style services. Most directly comparable MPS competitor to Timeline Portfolios at similar AUM scale.
• True Potential: Integrated platform, investment and wealth-tech provider for UK advisers and their clients. Closely comparable business model combining platform, model portfolios and personalisation technology aimed at the same IFA segment.
• Transact (Integro): One of the largest UK wrap platforms serving financial advisers with custody, trading and administration. Comparable platform-layer offering to Timeline Platform, often used alongside MPS providers including Timeline itself.
• SS&C Hubwise: UK adviser platform (part of SS&C) offering custody, trading and model portfolio access; distributes Timeline portfolios and competes for the same platform-and-MPS workflow within IFA firms.
• Fundment: UK adviser platform with model portfolio marketplace, integrated with Timeline via API for portfolio access and client data. Comparable platform-plus-portfolio proposition aimed at small and mid-sized IFAs.
• AJ Bell Investcentre: UK adviser platform from AJ Bell providing custody, trading and access to MPS strategies including Timeline. Comparable platform-and-portfolio offering competing for the same adviser wallet share.
• P1 Investment Management: UK DFM focused on evidence-based, low-cost model portfolios for financial advisers. Closely comparable MPS proposition and fee positioning to Timeline Portfolios.
• Seven Investment Management (7IM): UK wealth manager offering discretionary management, MPS, platform and adviser technology. Competes with Timeline across both the investment and platform layers of the integrated adviser stack.
• Embark Group: UK wrap platform and adviser technology provider (Elevate, Advance) with integrated investment, retirement and platform services. Comparable integrated platform-plus-investment proposition for UK IFAs.

Broad incumbents

• abrdn (Wrap / Adviser): Large incumbent UK wealth platform and discretionary manager with broad adviser offerings including wrap platform, MPS and planning tools. Larger and broader portfolio than Timeline but overlaps materially across the integrated adviser proposition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Timeline_Tech
• YouTubeyoutube.com/@Adviser3.0
• Facebookfacebook.com/TimelineappTechLimited

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Timeline