How we earn, and what we do not accept
How an advisor earns shapes what they recommend. Here is how we earn.
Our sources of revenue
We earn from three sources. All three are disclosed in writing, before we start work.
Fixed retainers and project fees, agreed in the mandate letter and paid by the client directly. This is where most of our revenue comes from.
When a client instructs us to execute a trade through our licensed brokerage, standard market fees apply, disclosed in advance.
In limited cases, third-party providers pay us a referral fee for an introduction. Where this applies, we disclose it in writing before the introduction is made, and the client is free to decline.
What we do not accept
- We do not manage assets, and we do not charge fees on assets under management.
- We have no proprietary products to distribute.
- We accept no undisclosed commissions, soft dollars, or retrocessions.
- No third party pays us for favourable placement in due diligence reports or advisory memoranda.
How most wealth advice actually works
In private wealth, advice and product sales usually come bundled. The bank that holds your portfolio also issues the products it recommends. The broker placing your trade is paid on the flow. The insurer drafting your policy pays the advisor who sold it. These arrangements are mostly lawful and usually disclosed somewhere, but each one creates a gap between what is recommended and what is paid for.
Our model separates those streams. Most of our revenue comes directly from the client, under a written mandate. Every recommendation runs through one question: is this in the client's interest? That is the only honest basis for a fiduciary relationship.
A 60-minute introductory meeting, no cost and no obligation. Everything discussed stays confidential.
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