Most people paying 1%+ a year have never had a clear, complete picture of their arrangements. Our team of CFA charterholders and Chartered Wealth Managers will help you review your existing setup — fees, performance and service — so you can be confident you're getting good value.
The introductory call and review are free, with no obligation. What you do with the information is entirely your decision.
Wealth management relationships tend to run on inertia. Fees are layered across several documents, performance is rarely shown against a fair benchmark, and reporting is often designed to reassure rather than inform. Understanding what you have is the foundation of every good financial decision.
A "1% fee" is rarely the whole story. Underlying fund charges, platform fees, dealing costs and FX spreads can take the true cost well above the headline figure — and they compound every year.
Returns are hard to interpret without the right benchmark and risk level. Many clients have never seen their portfolio compared, net of fees, against a simple passive alternative.
Advisers change, reviews become a formality, and your circumstances move on. It's worth periodically checking that the service you receive still matches the service you pay for.
Whether you currently use a wealth manager or would rather run your own investments, the starting point is the same: a clear understanding of your existing arrangements.
We help you review your existing arrangement — your true all-in cost, performance against an appropriate benchmark, portfolio structure and service quality — and present the findings in plain English, so you can make your own informed decision.
If you decide you'd like a change, we can help with manager selection: introducing you to carefully selected, FCA-authorised wealth managers suited to your situation, and supporting you through the transition.
For those who would rather run their own investments — an elevated form of DIY investing. We help you build the knowledge and framework to do it properly: platform selection and set-up, principles of portfolio construction, security analysis and ongoing portfolio management.
The scope and a transparent fixed fee are agreed upfront in a short engagement letter — no percentage of assets, no surprises. Optional ongoing support by email and ad-hoc video calls.
A structured, personal process — not a questionnaire and an algorithm. Every engagement is handled one to one by a qualified member of our team.
A 20–30 minute call about your current situation — who manages your money, what you pay, how it's performed, and whether you'd prefer to use a manager or self-manage. No documents needed for this stage.
With your statements, we help you build a clear picture: your true all-in cost, performance against an appropriate benchmark, portfolio risk and structure, and the service you're receiving. You get the information in plain English.
What you do with the information is entirely your decision — we don't make recommendations. If you'd like a change of manager, we can help with selection and introductions to FCA-authorised firms. If you'd rather take control yourself, we can agree a fixed-fee consultancy engagement.
Fees are the one part of investing that is contractually certain. Because they're charged on your whole portfolio every year, small differences compound into significant sums over time.
| Portfolio | All-in 2.0% p.a. | All-in 1.0% p.a. | Annual difference |
|---|---|---|---|
| £500,000 | £10,000 | £5,000 | £5,000 |
| £1,000,000 | £20,000 | £10,000 | £10,000 |
| £2,500,000 | £50,000 | £25,000 | £25,000 |
Illustrative only. Over 20 years, a 1% annual difference on £1m can amount to several hundred thousand pounds of forgone wealth.
Transparency about our own fees is the least you should expect from a firm that helps you understand other people's.
The introductory call and the review of your existing arrangements cost you nothing, and there is no obligation to act on anything you learn. If you decide to engage a new wealth manager, any fee arrangements relating to our manager selection service will be made clear to you before you proceed.
Consultancy engagements are charged as a transparent fixed or project fee, agreed upfront in a short engagement letter setting out exactly what's included. No percentage of assets, no ongoing charges unless you choose ongoing support.
Y Invest was founded on years spent inside London's investment management industry — so we know exactly how portfolios are run, how fees are structured, and where the industry serves clients well and where it doesn't.
We exist because the people paying the most for wealth management often have the least visibility of what they're paying and receiving. The industry's jargon, layered charges and selective reporting make that picture hard to see from the outside. We help you see it clearly.
Every member of our team is a CFA charterholder and a Chartered Wealth Manager.
Plain-English guides to understanding your wealth management arrangements.
The four layers of charges, what's typical in 2026, and how to calculate your true all-in cost.
The signs an arrangement deserves a closer look — and what a switch actually involves if you choose one.
The exact questions to ask and documents to gather to assess fees, performance and service yourself.
Platforms, wrappers, asset allocation, active vs passive, fund selection and ongoing management — the full structure, in order.
The biases that cost investors real money — and the process defences that neutralise them.
The introductory call and the review of your existing arrangements are provided at no cost and with no obligation. Self-management consultancy is charged as a transparent fixed fee agreed upfront. If you decide to engage a new wealth manager, any fee arrangements relating to our manager selection service will be made clear to you before you proceed.
No. We don't make recommendations. We help you build a clear, factual picture of your existing arrangements — costs, performance and service — so you can make your own informed decision. If you decide you'd like a change, we can help with manager selection.
That's our second service. For a fixed, upfront consultancy fee we help you self-manage properly: platform selection and set-up, portfolio construction principles, security analysis and ongoing portfolio management — with optional ongoing support by email and video call. The scope and fee are agreed in writing before any work begins.
No. Y Invest is not authorised or regulated by the FCA and does not give personalised investment advice or recommendations. We help you understand your existing arrangements and, if you decide to make a change, can introduce you to FCA-authorised wealth managers. Any advice you receive comes from those regulated firms.
For the introductory call, nothing — just a rough idea of what you have and who manages it. For the full review: recent valuation statements, your fee schedule or annual costs & charges disclosure (your manager must provide this under MiFID II), and any performance reports.
On the criteria that matter to clients: transparent and competitive fees, credible investment process, quality of reporting and service, and financial strength. Introductions are matched to your specific circumstances — no firm pays to be on a list.
Yes. Nothing is shared with any wealth manager — including the fact that you've had a review — unless and until you ask for an introduction.
A free 30-minute call, no obligation and no pressure. What you do with the information is up to you.
Book a free callPrefer email? Write to nick@yinvest.ai