EARLY ACCESS · TEST CHECKOUT100% digital · Your bank. Your decision.
INDEPENDENT WEALTH COST REVIEW

Your banking costs.
Made clear.
Within 24 hours.

You upload the statements. We do the work. Receive a clear, team-reviewed picture of your fees and a practical plan to reduce them—within 24 hours of a complete, readable submission.

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A review paid once. Savings that can last.
Fully digital experience Your time matters · a clear delivery deadline
THE VALUE OF A CLEARER VIEW01 — 03
ILLUSTRATIVE SAVING · YEAR TWO
£10,000/ year

A 0.20 percentage-point fee reduction
on £5m, if the same pricing continues.

ONE REVIEW.
POTENTIALLY LASTING VALUE.
A BETTER QUESTION

You know what your wealth is worth.
Do you know what it costs?

Management fees are only part of the story. Custody, underlying products, dealing and foreign exchange can add further layers. Cash and deposit pricing can be less visible still: look at interest received, retained spreads and any fees charged on cash. Bring the evidence together in one clear view.

01Management02Custody & products03Dealing & FX04Cash & deposits
THE VALUE OF BETTER PRICING

The first year is
only the beginning.

A one-off review. The potential for lasting value.
Explore what lower fees could mean over time.

01Explore your portfolioIllustration only
£million
£1m£10m£100m
02Choose your support
Calculate with

Clarity: 5 accounts. Negotiate: 10 accounts. £200 per account above your allowance, once per review. Every final decision remains yours.

20 bps assumed reduction (0.20 percentage points)Adjust

Assumed annual banking fee: £40,000. No financial figures are required to start your document review.

You upload your statements. We establish the real figures.

ILLUSTRATIVE ANNUAL BENEFIT · YEAR TWO ONWARDS
£10,000/ year

Potential annual fee savings, if the same pricing continues.

No repeat service fee for this review
Year one · after our fees£3,500
Five years · after our fees£43,500
HOW THE VALUE COULD BUILDCumulative net benefit
£3.5k
Year 1
£13.5k
Year 2
£23.5k
Year 3
£33.5k
Year 4
£43.5k
Year 5
What you pay in year one
Estimated annual fee saving£10,000
Fixed technology & resources fee− £1,500
Success fee · 50% of year-one savings− £5,000
Year-one net benefit£3,500

Illustrative first-year ROI: 54%. Payback: 7.8 months if savings accrue evenly.

Assumes unchanged assets and the same fee reduction for five years, for up to 10 accounts, with no extra costs. Actual pricing may expire or change. These are scenarios, not forecasts.

Calculation, pricing and assumptions

Annual fee saving = portfolio × assumed reduction ÷ 10,000. Year-one net benefit = saving − £1,500 fixed fee − 50% of positive estimated first-year fee savings. In this illustration, years two to five retain the same annual saving with no repeat service fee for this review. Five-year net benefit = five annual savings − the one-time total service fee. No compounding, investment return or tax benefit is included. Constant assets, the same service scope, immediate implementation and continuous five-year pricing are assumed; the actual confirmed pricing term may be shorter. A reduction may be zero. The fixed £1,500 applies even with no savings. Negotiate’s success fee is billable on written RM/ARM confirmation of implemented or scheduled pricing; the actual billable estimate respects the confirmed term and documented transition costs. Consumer prices include any applicable VAT. Clarity includes up to 5 accounts; Negotiate includes up to 10 accounts, across all your banks. Each account above your package allowance costs £200 once per review. Multiple documents for the same account count once. Upgrading the same review does not repeat the fixed fee or account charges. The illustration assumes no more than 10 accounts; additional account charges reduce the illustrated first-year and cumulative net benefit. At £100m, these remain arithmetic illustrations.

A CLEAR CHOICE

Clarity first. Action your way.

Two clear ways to move forward.
Choose how much you want us to handle.
100% digital, at every level.

01 / Know what to do next

Clarity

Your costs. Your next move.

£1,500

Includes 5 accounts · £200 per additional account

A team-reviewed report that explains your banking costs and gives you a practical plan to improve them.

  • Up to 5 accounts included · £200 per additional account
  • Your report within 24 hours of a complete, readable submission
  • Fees, trading, FX, cash and deposits reviewed
  • Account-by-account costs in your chosen currency
  • Pricing opportunities and clear recommendations
  • A practical brief for your banker

£1,500 fixed for technology, resources, analysis and recommendations. You lead any subsequent banker discussion.

02 / We lead the negotiationANALYSIS + NEGOTIATION

Negotiate

We negotiate. You stay in control.

£1,500

+ 50% of estimated first-year fee savings

Everything in Clarity, plus a pricing negotiation with your bank within the limits you choose. You approve the final terms.

  • Up to 10 accounts included · £200 per additional account
  • Everything in Clarity, including your report within 24 hours
  • We lead the authorised pricing discussion
  • Written proposals and banker exchanges kept together
  • You approve every proposed change
  • Success fee based on new pricing confirmed by your RM or ARM

Clarity includes up to 5 accounts; Negotiate includes up to 10 accounts, across all your banks. Each account above your package allowance costs £200 once per review. Multiple documents for the same account count once. Upgrading the same review does not repeat the fixed fee or account charges. £1,500 fixed for technology and resources, plus 50% of estimated first-year fee savings. The fixed charge is counted once across Clarity and Negotiate. No repeat service fee applies to later-year savings under this same pricing agreement. The success fee is billable on written RM/ARM confirmation that new pricing is implemented or scheduled; no 12-month wait is required.

Proposed prices in GBP, including any applicable VAT. Try checkout with a supplied dummy card. No real charges or paid engagements in this early-access version.

YOUR REPORT. IN LESS THAN 24 HOURS.

Everything online.
Every decision yours.

Your time matters. Submit your complete, readable documents and your team-reviewed report will be ready within 24 hours. We show your delivery deadline in your private workspace. The report appears only when our team has checked and released it.

01

Bring the evidence together

Upload your statements and fee schedules in your private workspace.

02

Understand the full picture

Organise cost layers, trace source documents and resolve missing information.

03

Evaluate your options

Compare proposals on a consistent scope and see the effect on your costs.

04

Make an informed decision

Prepare a negotiation brief and track the terms you record as implemented.

GOOD QUESTIONS. CLEAR ANSWERS.

Before you begin.

How do the two packages differ?

Clarity costs £1,500 and includes your cost analysis, recommendations and a practical banker brief. Negotiate adds negotiation for £1,500 fixed plus 50% of estimated first-year fee savings. The fixed charge covers technology and resources; it is separate from the success fee. Both begin with a team-reviewed report within 24 hours of your complete, readable submission.

Do I need to change banks?

No. Start by understanding the costs of your existing relationship. The comparison tool can assess revised terms at the same bank or another institution. A lower price alone does not establish that a different bank is suitable.

Are the savings guaranteed?

No. The calculator is an adjustable illustration. Actual savings depend on your existing terms, the agreed service and implementation. Savings may be zero.

What is working in early access?

Your private workspace, document uploads and dummy-card checkout work in test mode. Once you submit your documents, you see a confirmation and delivery deadline while our team prepares the report. Findings are shown only after the team releases them. Real payments and live bank outreach are not connected.

What happens during the 24-hour review?

We review your documents, reconcile fee categories and prepare a plain-English report with clear recommendations. Your workspace shows your submission time and delivery deadline. If we need clearer or missing documents, we tell you what is needed; we do not silently restart the clock. The 24-hour promise covers the report, while negotiation and bank response times take longer.

Can you negotiate on my behalf?

Negotiate includes this service. Before bank outreach can start, the operating business needs an agreed engagement, a limited client authority accepted by the bank and a connected communication workflow. The current application prepares and records the case; it does not contact your bank.

YOUR NEXT CHAPTER STARTS WITH CLARITY

Make the invisible visible.

Online. At your pace. In your control.