In an industry grappling with rising costs, evolving customer expectations, and a looming advice gap, scalable technology and holistic thinking are becoming essential. In this episode of Nokkel Talks, Nokkel CEO Roland Whyte speaks with Katrina Sartorius, MD of Business Development at FNZ, to explore how technology is reshaping the wealth management landscape—and why property needs to be part of the plan.
The industry’s triple challenge
With 25% of the UK population expected to be over 65 by 2050 and a £48 billion annual income shortfall facing pensioners, the stakes are high. The demands on advisers and financial institutions are growing, yet legacy systems and fragmented data often stand in the way of real progress.
Katrina explains how end-to-end platforms like FNZ’s enable wealth firms to reduce friction, improve client experiences, and scale more efficiently. The goal? Better outcomes for the end consumer.
“With everything at our fingertips, integrated tech is the only way we can resolve the issues facing our ageing population.” —Katrina Sartorius
Seeing the bigger picture: holistic wealth
The future of financial planning is holistic. For Katrina, this goes beyond pensions and portfolios. It means understanding a client’s complete financial situation—investments, debt, savings, and crucially, property.
Roland shares how personal experiences and outdated mortgage products shaped how his family thought about wealth. Without a full view of their financial position, better retirement decisions couldn’t be made. Today, technology can change that.
“We’re not saying property wealth should always be used—but at least consider it. That starts with knowing what your house is worth.” —Roland Whyte
Intergenerational wealth transfer: a missed opportunity?
With the average first-time buyer now aged 32, intergenerational wealth transfer has never been more relevant. Yet, too often, families only think about passing on assets during estate planning—when it may be too late to make strategic decisions.
Property wealth is central to this shift. Downsizing, equity release, and guarantees can all provide early support for younger generations. But the right conversations need to start sooner.
“Younger generations expect real-time access to financial data. Tech must bridge the gap between legacy planning and future-facing wealth transfer.” —Katrina Sartorius
Financial education and generational attitudes
Both Roland and Katrina agree: early education is essential. The financial habits we build (or inherit) in childhood can define our futures. By introducing tools and knowledge earlier, future generations are more empowered to make better decisions—about everything from saving to investing in property.
And it’s not just about knowing what assets you have—it’s about understanding how they interact. Holistic platforms allow advisers to show clients how their choices around property, pensions, or investments affect long-term outcomes.
Nokkel + FNZ: bridging the gap
Nokkel sits at the intersection of technology and property. It integrates property data directly into adviser platforms, providing ready-made property profiles, valuations, mortgage details, and links to relevant products.
“We equip advisers with everything they need to incorporate property into retirement and legacy planning. From drawdown strategy to intergenerational transfer, the aim is better-informed decisions.” —Roland Whyte
As part of FNZ’s ecosystem, Nokkel becomes part of the broader digital spine, helping streamline and simplify how property wealth is used in wealth management conversations.
What’s next?
With so many innovation opportunities on the horizon, the biggest challenge is getting the sequencing right—solving the most urgent problems in the right order. But as this conversation highlights, integrating property into the wealth management process isn’t just a nice-to-have. It’s a must.
Because in a world where most people’s largest asset is their home, leaving it out of financial planning simply no longer makes sense.
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