Executive Summary
A Wealth Management Advisor (WMA) requires a comprehensive technology ecosystem to support the entire client journey—from onboarding and fact-finding to portfolio construction, regulatory compliance, and ongoing client servicing.
Harvest provides six complementary solutions designed to address each stage of the wealth management value chain:
| Solution | Primary Purpose |
|---|---|
| KYC | Digital client onboarding and investor profiling |
| MoneyPitch | Client portal and wealth reporting |
| Big | Wealth planning and financial analysis |
| Quantalys Pro+ | Portfolio construction and investment research |
| O2S | CRM, compliance, and account management |
| Fidnet | Legal and tax intelligence |
Together, these solutions create a seamless and fully integrated wealth management platform, eliminating data silos and improving advisor productivity. Harvest is the leading software provider serving French wealth management professionals. Three flagship solutions—Big, O2S, and MoneyPitch—are certified according to ISO/IEC 27001:2022, the international standard for information security management.
Step 1 | Client Onboarding with KYC
KYC, integrated within O2S, provides a fully digital onboarding and client information update process for both individual and corporate clients.
Key Benefits
- Digital collection of client personal, financial, and regulatory information
- Investor profiling, including:
- Financial knowledge and experience
- Risk tolerance
- Investment preferences
- Loss-bearing capacity
- ESG and sustainability preferences
- Automatic pre-population of existing client data from O2S
- Secure collection of supporting documents
- Bulk client data updates
Business Value
A digitized onboarding process ensures that client information is captured once and then flows seamlessly through the entire advisory workflow, reducing administrative effort and improving data quality.
Step 2 | Enhancing Client Relationships with MoneyPitch
MoneyPitch is a client-facing wealth portal that strengthens engagement between advisors and their clients.
It provides investors with a comprehensive view of both financial and non-financial assets while leveraging data consolidated in O2S.
Core Capabilities
- Consolidated view of assets and contracts managed through the advisor
- Aggregation of external accounts
- 360° visibility of the client’s personal and corporate ecosystem
- Secure messaging and digital document vault
- Wealth monitoring dashboards and alerts
- Savings capacity and wealth evolution tracking
Product Range
MoneyPitch is available in three levels of service, ranging from digital information gathering to a fully interactive wealth management experience.
Premium functionality includes:
- Mobile application
- Advanced tax, retirement, and wealth planning simulators
- Secure client communications
- Comprehensive balance sheet and cash-flow monitoring
MoneyPitch helps advisors deliver a modern and highly collaborative client experience.
Step 3 | Wealth Planning and Strategy with Big
Big is Harvest’s flagship wealth planning platform and the industry benchmark for comprehensive financial planning.
The solution combines all major wealth management disciplines in a single environment:
- Net worth analysis
- Cash-flow management
- Tax planning
- Retirement planning
- Estate and succession planning
- Insurance and protection planning
- Business wealth analysis
Comprehensive Wealth Analysis
Big enables advisors to:
- Build complete client balance sheets
- Model future wealth evolution
- Forecast income tax liabilities
- Analyze retirement benefits and pension entitlements
- Prepare inheritance and estate transfer strategies
- Assess professional and corporate assets
Decision-Support Tools
- Real estate investment simulators
- Life insurance planning tools
- Retirement savings plan analysis
- AI-powered assistant to increase advisor efficiency
- Fully customizable client reports in PDF and Word formats
Big supports data-driven, personalized wealth advice and is certified under ISO/IEC 27001:2022.
Step 4 | Portfolio Construction with Quantalys Pro+
Quantalys Pro+ provides investment research, portfolio construction, and portfolio monitoring capabilities.
The platform is built on an independent proprietary investment database covering the financial products distributed in France.
Investment Research Capabilities
- Mutual funds and UCITS
- Real estate investment products
- Private equity investments
- Structured products
- Life insurance and retirement wrappers
- More than 20,000 equities and bonds
Portfolio Management Tools
- Risk-profile-based portfolio allocation engine
- Portfolio back-testing
- Scenario analysis
- Ongoing portfolio suitability monitoring
- Automated alerts
- Custom reporting in Word and PDF formats
Quantalys enables advisors to design investment strategies aligned with each client’s objectives, constraints, and risk appetite.
Step 5 | Compliance and Account Management with O2S
O2S is a SaaS-based Wealth CRM designed to manage day-to-day advisory operations.
Regulatory Compliance
The platform supports compliance with key regulatory frameworks, including:
- MiFID II
- Insurance Distribution Directive (IDD/DDA)
- Anti-Money Laundering (AML/CFT)
- Financial Advisor regulations
Compliance Features
- Suitability assessments
- Automated regulatory documentation
- Compliance monitoring and alerts
- Product governance controls
- Electronic signature capabilities
Account and Wealth Consolidation
O2S offers:
- Multi-custodian account aggregation
- Consolidation of personal and business assets
- Portfolio analytics and performance reporting
- Digital subscription, funding, and switching processes
- Advanced CRM capabilities
- Document management and secure archiving
O2S is also certified under ISO/IEC 27001:2022.
Step 6 | Legal and Tax Expertise with Fidnet
Fidnet provides advisors with a centralized knowledge platform covering legal, tax, and regulatory matters.
Key Resources
- Expert legal and tax documentation
- Regulatory and legislative monitoring
- Opportunity-detection tools
- Practice management resources
- Wealth management hotline support
- AI-assisted knowledge search with direct source references
Advisor Benefits
Fidnet enables advisors to deliver recommendations supported by reliable legal and fiscal expertise while reducing research time and compliance risk.
A Fully Integrated Wealth Management Ecosystem
The main advantage of the Harvest suite lies in its data continuity.
Client information is collected once through KYC, shared through MoneyPitch, analyzed in Big, transformed into investment strategies via Quantalys, executed and monitored in O2S, and supported by Fidnet’s legal and tax expertise.
| Step | Solution | Output |
|---|---|---|
| 1 | KYC | Qualified client profile |
| 2 | MoneyPitch | Shared 360° client view |
| 3 | Big | Wealth analysis and strategic recommendations |
| 4 | Quantalys Pro+ | Portfolio construction |
| 5 | O2S | Execution, monitoring, and compliance |
| Cross-functional | Fidnet | Legal and tax guidance |
This integrated approach enables wealth management firms to streamline operations, improve regulatory compliance, enhance client engagement, and deliver more personalized advice across the entire advisory lifecycle.