Product work · End-to-end design

PIAS: an advisor-facing financial planning tool

A tablet and web service for financial advisors who sit face to face with clients — where the screen is not an interface so much as a conversation between two people.

End-to-end productResearch
Role
Senior UX designer — end to end: research, concept design, visual design, concept testing
When
2018–2019
What
A financial planning tool (tablet + web) for advisors at PIAS, an independent financial advisory in Singapore
Outcome
An advisor-facing tool designed for real client conversations — replacing gap-ridden vendor screens with a researched, tested concept

The brief: two users, one screen

A financial advisor’s tablet is unusual among enterprise tools: two people look at it at once. The advisor drives it; the client judges it. If the screen confuses the client, the conversation stalls — and with it, the sale and the trust.

PIAS advisors had inherited screens built by a vendor, and the gaps showed in real meetings. The brief was to rethink the planning experience end to end.

Research: watch the real conversation

Two methods carried the discovery. First, a stakeholder workshop walked through the existing vendor screens together and named every gap and problem in them — turning scattered frustrations into a concrete list. Second, contextual inquiry: I observed financial advisors performing their actual tasks, talking through what they were doing while they did it. Watching a real advisor work reveals what no requirements document contains — where they improvise, what they re-explain to every client, and which numbers clients actually ask about.

The workshop room: a wall covered with printouts of the existing vendor's screens, arranged for the stakeholders to walk through together and mark gaps and problems, with chairs set in an open circle.

The workshop: every screen of the existing vendor design printed on the wall, so stakeholders could walk the whole flow together and name its gaps.

Contextual inquiry: a close-up of a financial advisor's hands working on a tablet with a keyboard, using the real planning tool during an observed session.

Contextual inquiry: observing a financial advisor performing real tasks and talking through what they were doing while doing it.

The concept: adjust the levers, watch the plan respond

The design put the client’s life at the top — age, family, income, assets, mortgage, dependants, current coverage — as adjustable sliders, so the advisor could tune the profile live during the conversation. Below, recommended plans responded: each card carrying its projections (funding, estimated maturity benefit, growth rate, goal end date) and a piece of social proof — “70% of people like you chose it” — that gave hesitant clients a reference point.

Because PIAS is an independent advisory, the recommendations drew from multiple providers side by side — which made comparability, not persuasion, the design’s job.

Concept design on an iPad: a financial planning screen with the client's key factors as sliders on the left — household annual income, total assets value, total mortgage, number of dependants, current coverage — and recommended plan cards on the right, each showing funding amounts, estimated maturity benefit, wealth growth rate, goal end date, social proof like '70% of people like you chose it', and recommended products from multiple providers.

The concept on the tablet: the client’s levers on the left, the responding plans with projections and social proof on the right.

Test the concept, not just the screens

Each concept went in front of users to test whether they could understand its structure, affordances, and design elements — before any build. For a tool whose audience includes financially anxious laypeople, comprehension testing is the usability testing.

What I learned

Designing for two users on one screen is its own discipline: the advisor needs speed and control, the client needs legibility and calm, and every element serves both or fails one. And social proof is powerful medicine with a narrow dose — one honest reference point reassures; more than that persuades, and persuasion is exactly what an independent advisor must not appear to do.