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 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.
Objective Portfolio Analysis
Benchmark your portfolio against the market.
Personalized 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 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. We offer an anonymised service if you prefer.
We'll review your submission and provide a no-obligation quote tailored to the complexity of your portfolio. We charge £250 plus VAT for each portfolio we review.
Receive a comprehensive PDF report with our findings, analysis, and actionable recommendations to optimize your investments.
The Hidden Cost of Investment Fees
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 investments. The chart below assumes an investment in the UK stock market over the last 15 years, after allowing for different levels of fees. Broadly speaking, each 1% you pay a year in fees subtracts 1% a year from the future growth in your investments. That equates to roughly 15% of your investments over 15 years.
Note: Based on UK stock market performance from 1st January 2010