Resources
Resources
August 2026
How Aida is built, and why a language model on its own cannot give financial advice.
How Aida is built, and why a language model on its own cannot give financial advice.
A language model can answer almost any financial question correctly. But correct is not the same as right. Financial advice requires knowing the whole person — their income, debts, goals, dependants, risk appetite, existing cover. This report explains how Aida is built to do what a model alone cannot: gather that context, run the deterministic logic, and know precisely where the model’s role ends and the system’s obligation begins.
Built by MoneyMeans
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Money Means Limited is an Appointed Representative of Smith and Wardle Financial Planning, which is authorised and regulated by the Financial Conduct Authority (FRN 912090). Money Means Limited is entered on the Financial Services Register as an Appointed Representative under reference number 976675.
Money Means Limited is not authorised or regulated directly by the FCA. We work through another directly authorised firm (Smith and Wardle Financial Planning). Aida today gives general guidance, not regulated financial advice: it explains your options but won't recommend specific products or check that a choice is right for you personally. Because it isn't regulated advice, it isn't covered by the Financial Services Compensation Scheme (FSCS). We do plan to offer regulated advice in the near future, and we're currently working on making sure Aida can do that soon.
What "Appointed Representative" means for you
Money Means Limited runs Aida. We work as an Appointed Representative of Smith and Wardle Financial Planning, a firm that's authorised and regulated by the Financial Conduct Authority (FCA). That means an FCA-authorised firm oversees how we work.
It doesn't mean Money Means is authorised by the FCA itself, and it doesn't mean Aida gives regulated financial advice. Aida gives you clear, general guidance to help you understand your money and see your options. It will never tell you which product to buy, or what to do with a particular pension or investment. Those choices stay with you, and if you want regulated advice you can speak to a regulated adviser.
Because Aida is guidance and not regulated advice, it isn't covered by the Financial Services Compensation Scheme (FSCS). We'll always be clear about the kind of help you're getting.
Built by MoneyMeans
Join the waitlist
Money Means Limited is an Appointed Representative of Smith and Wardle Financial Planning, which is authorised and regulated by the Financial Conduct Authority (FRN 912090). Money Means Limited is entered on the Financial Services Register as an Appointed Representative under reference number 976675.
Money Means Limited is not authorised or regulated directly by the FCA. We work through another directly authorised firm (Smith and Wardle Financial Planning). Aida today gives general guidance, not regulated financial advice: it explains your options but won't recommend specific products or check that a choice is right for you personally. Because it isn't regulated advice, it isn't covered by the Financial Services Compensation Scheme (FSCS). We do plan to offer regulated advice in the near future, and we're currently working on making sure Aida can do that soon.
What "Appointed Representative" means for you
Money Means Limited runs Aida. We work as an Appointed Representative of Smith and Wardle Financial Planning, a firm that's authorised and regulated by the Financial Conduct Authority (FCA). That means an FCA-authorised firm oversees how we work.
It doesn't mean Money Means is authorised by the FCA itself, and it doesn't mean Aida gives regulated financial advice. Aida gives you clear, general guidance to help you understand your money and see your options. It will never tell you which product to buy, or what to do with a particular pension or investment. Those choices stay with you, and if you want regulated advice you can speak to a regulated adviser.
Because Aida is guidance and not regulated advice, it isn't covered by the Financial Services Compensation Scheme (FSCS). We'll always be clear about the kind of help you're getting.
Built by MoneyMeans
Join the waitlist
Money Means Limited is an Appointed Representative of Smith and Wardle Financial Planning, which is authorised and regulated by the Financial Conduct Authority (FRN 912090). Money Means Limited is entered on the Financial Services Register as an Appointed Representative under reference number 976675.
Money Means Limited is not authorised or regulated directly by the FCA. We work through another directly authorised firm (Smith and Wardle Financial Planning). Aida today gives general guidance, not regulated financial advice: it explains your options but won't recommend specific products or check that a choice is right for you personally. Because it isn't regulated advice, it isn't covered by the Financial Services Compensation Scheme (FSCS). We do plan to offer regulated advice in the near future, and we're currently working on making sure Aida can do that soon.
What "Appointed Representative" means for you
Money Means Limited runs Aida. We work as an Appointed Representative of Smith and Wardle Financial Planning, a firm that's authorised and regulated by the Financial Conduct Authority (FCA). That means an FCA-authorised firm oversees how we work.
It doesn't mean Money Means is authorised by the FCA itself, and it doesn't mean Aida gives regulated financial advice. Aida gives you clear, general guidance to help you understand your money and see your options. It will never tell you which product to buy, or what to do with a particular pension or investment. Those choices stay with you, and if you want regulated advice you can speak to a regulated adviser.
Because Aida is guidance and not regulated advice, it isn't covered by the Financial Services Compensation Scheme (FSCS). We'll always be clear about the kind of help you're getting.