Independent Investment Health Checks
Improve your investment returns by reducing fees. Gain clarity and confidence in your investment portfolio with our unbiased, expert analysis. We identify hidden or unnecessary fees, assess their impact on your portfolio performance, and provide actionable recommendations to secure your financial future.
Why Choose Us?
With over 30 years of experience in the financial industry, led by our Chief Investment Officer, our team provides truly independent and unbiased analysis. We are not affiliated with any financial institutions, ensuring our recommendations are always in your best interest.
Guaranteed Improvement
Reducing fees provides a guaranteed, risk-free boost to your investment returns.
Fees Directly Erode Returns
Over 15 years, an extra 1% in annual fees can reduce your savings by a sixth.
Expert Analysis
We identify unnecessary and excessive charges and provide clear steps to reduce them.
Uncover Hidden Fees
Identify excessive charges that erode your returns.
Don't pay for what you don't need
We will inform you if we do not identify any evidence of excessive fees before payment.
Personalised Recommendations
Receive a clear, actionable plan for improvement.
Our Services
A complete overview of what we offer.
Our experts uncover hidden or unnecessary management fees, trading costs, and other charges that can significantly impact your investment returns over time.
We analyse your entire portfolio, including stocks, bonds, and funds, to ensure it justifies the fees you are paying.
We benchmark your portfolio's expected performance against relevant market indices and assess its risk exposure to ensure you're on track once fees are taken into account.
When we find evidence of excessive fees, we outline a course of action. Our ratings are Green Light for good value, Amber Warning for issues to check with your adviser, and Red Flag for serious concerns requiring action.
How It Works
A simple, three-step process to financial clarity.
Fill out our secure online form and upload your investment documents. The process is secure and confidential. If you prefer not to share confidential data, we also offer an anonymised service.
We'll review your submission and provide a no-obligation quote. We charge £480 including VAT for each review. If we do not find any evidence of excessive fees, we will inform you before you pay, and you can choose whether to continue with the review.
Receive a comprehensive PDF report with our findings, analysis, and actionable recommendations to optimise your investment charges.
Investment Savings Calculator
See how reducing your investment fees by just 1% annually can significantly boost your long-term returns.
Based on historical US stock market returns
Enter your investment details
Click calculate to see your potential savings
The Hidden Cost of Investment Fees
Wealth held in savings is the second-largest asset for most people in the UK, just after the value of their property. Understanding how fees impact your long-term investment returns is crucial for building wealth effectively.
Common Unnecessary or Excessive Fees
Investment portfolios that are too simple for the fees you are paying
Paying bespoke-level fees for a one-size-fits-all product
Paying high fees for actively managed portfolio services but receiving cheap, passive investment products
High active management fees for performance achievable at lower cost in passive vehicles
Paying VAT unnecessarily
Improve Your Savings by Reducing Fees
Each pound you pay in fees is a pound subtracted from your savings. The table below illustrates the savings you could make by reducing your annual fees by 0.5%. For example, if your pot of savings is worth £500,000 now, you could save £2,500 each year. Over 10 years, and after allowing for growth in your investments (we assume returns of 5% a year), that adds up to a saving of £37,963.
| How big is your savings pot? | Savings each year if you reduce your fees by 0.5% | Savings over 10 years, assuming 5% yearly returns on your investments |
|---|---|---|
| £100,000 | £500 | £7,593 |
| £250,000 | £1,000 | £15,185 |
| £500,000 | £2,500 | £37,963 |
| £750,000 | £3,000 | £45,555 |
| £1,000,000 | £3,500 | £53,148 |
| £5,000,000 | £25,000 | £379,626 |
| £10,000,000 | £50,000 | £759,252 |
Ready to Improve Your Financial Future?
Take the first step towards controlling the fees you pay. Get your independent health check now.