One fee, stated once
0.65% a year, all in. No transaction charges, no platform fee, no performance cut when the market does the work.
Total portfolio
£4,182,640
+102.5% over one year
Held to maturity, laddered across two years. This is the part of the portfolio that is meant to be boring, and it is doing its job.
One fund, market weighted, rebalanced twice a year. We do not pick stocks and we do not charge you for pretending to.
Illiquid by design and priced quarterly. Expect the number to sit still and then move all at once.
Twelve months of drawdown held in instant access, so a bad quarter never forces a sale.
Illustrative portfolio with sample figures. Not advice, and not a real account.
Projection
What compounding does with time.
Most of the outcome is decided by how long the money is left alone, not by which fund it sits in. Move the sliders and watch which input actually changes the answer.
Projected at 5% a year, after fees
£2,126,008
At 3% you would hold £1,691,607. At 7%, £2,692,323. You will have put in £1,220,000 of your own money over 15 years.
Compound arithmetic on a fixed rate. Real returns are not smooth, inflation is not included, and this is an illustration on a concept site rather than advice.
Mandates
Three mandates. Most families take the middle.
| Mandate | Equity | Worst year on record | Suits |
|---|---|---|---|
| Preservation | 25% | −8.4% (2008) | Drawing an income now, or within three years |
| Balanced | 55% | −21.6% (2008) | A decade or more before the money is needed |
| Growth | 85% | −34.1% (2008) | Twenty years, and the temperament to ignore a bad one |
Worst-year figures are illustrative for a concept site. Past performance tells you about volatility, not about returns.
Approach
Four commitments, in writing.
We do not pick stocks
Index funds and gilts, rebalanced on a schedule. Most active managers underperform their benchmark over a decade, and we are not going to pretend to be the exception.
You keep twelve months in cash
Enough liquidity that a bad quarter is an inconvenience rather than a forced sale.
Your adviser answers the phone
One named person, not a rota. If they leave, you meet the replacement before the handover, not after.
The year
What actually happens, and when.
January
Annual review
Two hours, in person or not, covering what changed in your life rather than what changed in the market. Most rebalancing decisions come out of this conversation.
April
Tax year housekeeping
Allowances used, losses harvested where it helps, pension contributions checked against the annual allowance before the window closes.
Quarterly
Statement and call
A statement that looks like the panel above, and a fifteen-minute call if anything on it needs explaining. No call if it does not.
As needed
Everything else
A house purchase, a business sale, a grandchild, an illness. These are the moments the plan actually turns on, and they do not arrive on a schedule.
People
Four advisers, ninety families.
Elspeth Hardy
Founding partner
Twenty-six years, the last eighteen here. Sits on the investment committee and still runs fourteen client relationships herself.
Joseph Okonjo
Partner, planning
Chartered financial planner. Spends most of his time on the tax and succession work that decides what the portfolio is actually for.
Ruth Nakamura
Investment director
Sets the mandates and defends them in review meetings. Sceptical of anything that has to be explained twice.
Dominic Ashworth
Client director
Handles the year that does not fit the calendar: sales, probate, divorce, and the paperwork nobody wants to open.
Invented people on a concept site. Nobody here is real.
Fees
0.65% a year. That is the whole schedule.
On £4 million that is £26,000 a year, billed quarterly and shown on every statement. Underlying fund costs average a further 0.09%, which we publish rather than bury.