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Independent · UK-based · Fee-transparent

Your portfolio deserves a second opinion that isn't selling you anything.

Most UK investors are paying for performance they never actually receive. We review your holdings, costs and tax wrappers line by line — then show you, in plain English, exactly what to keep, cut or restructure.

Book Free Consultation See how the review works
› ISA & SIPP review › Fund fee audit › Retirement drawdown › Portfolio rebalancing › CGT planning
4.9/5 from 380+ UK clients
No product sales. Ever.
30 minutes · zero obligation
Live market data and investment charts on a trading screen
+£4,180
Avg. annual fee saving
verified
Portfolio health82/100
Global equities 58%
Gilts & bonds 24%
Alternatives 18%

Our advisers have held senior roles at

Halewood Capital Northbank Wealth Sterling & Rowe Kingsley Asset Mgmt Thameside Partners
The honest problem

You're not under-invested. You're under-informed.

You've done the hard part — you saved, you invested, you stayed in the market. But somewhere between the platform statements, the fund factsheets and the annual review you never quite got, the picture stopped being clear.

We hear the same four sentences from almost every investor who books a call with us. If any of them sound like your own, a 30-minute review will tell you more than three years of statements.

"I don't know what I'm actually paying."

Platform fee, fund OCF, transaction costs, adviser charge, FX spread. Stacked together, 2.1% a year can quietly consume a third of a 25-year return.

Hidden drag

"I own eleven funds that all do the same thing."

Overlapping global trackers and "diversified" managed funds often leave investors with 70% exposure to the same forty US companies — without ever choosing it.

False diversification

"Nobody has reviewed this since 2019."

Allowances changed. The CGT exemption fell to £3,000. Dividend allowance dropped to £500. A portfolio built for old rules is now taxed under new ones.

Stale strategy

"Every adviser I meet is selling something."

Commission-shaped advice is still common. If the recommendation always happens to be the recommender's own product, you're not getting advice — you're getting a sales call.

Conflicted advice
63%of UK retail investors cannot state the total annual cost of their portfolio
1.9%average all-in annual cost we find on first review of a legacy portfolio
£41ktypical lifetime cost of a 1% fee difference on a £150,000 pot over 20 years
4 in 5portfolios we review hold unintended duplicate equity exposure
The alternative

Clarity first. Decisions second. Nothing sold in between.

We are a fee-based consultancy. We don't manufacture funds, we don't take commission, and we don't hold your money. We get paid for one thing only: making your portfolio easier to understand and cheaper to own.

A full cost X-ray

Every charge on every holding, totalled into one honest number — then modelled forward 10, 20 and 30 years so you can see the compounding cost.

  • Platform & wrapper fees unbundled
  • Fund OCF & transaction costs
  • Cheaper like-for-like alternatives

Real diversification mapping

We look through your funds to the underlying holdings, region, sector and factor exposure — and show you the concentration you didn't know you owned.

  • Look-through holdings overlap
  • Currency & region balance
  • Drawdown stress testing

Tax wrapper efficiency

ISA, SIPP, GIA, LISA and offshore bonds behave very differently after the 2024 allowance cuts. We put each asset in the wrapper that keeps the most of its return.

  • Bed & ISA sequencing
  • CGT & dividend allowance use
  • Pension contribution headroom
Your written output

One document. Every number. No jargon.

After your consultation you receive a plain-English Portfolio Position Report: what you hold, what it costs, what risk you're actually carrying, and a prioritised action list you can implement yourself or hand to any adviser you like. It's yours to keep, whether you work with us or not.

No lock-inNo contract, no retainer
Fixed feesQuoted before any work

Sample report extract

Current all-in annual cost1.94%
Proposed all-in annual cost0.41%
Duplicate equity exposure31%
Unused ISA allowance£11,400
Projected 20-yr fee saving£38,750

Illustrative figures based on an anonymised 2025 client review of a £310,000 portfolio. Your results will differ. Past performance is not a guide to future returns.

How it works

Four steps. Two weeks. Total clarity.

No lengthy onboarding, no 40-page fact-find before anyone speaks to you. Here is exactly what happens from the moment you book.

01

Book your free call

Pick a 30-minute slot that suits you — mornings, evenings or Saturdays. Video or phone, your choice. You'll get a short three-question form, not a questionnaire marathon.

2 minutes
02

Share your statements

Upload or forward your latest platform and pension statements through our encrypted client portal. We only need holdings and valuations — never your login details.

10 minutes
03

We build your report

A qualified adviser models your costs, look-through exposure, tax position and drawdown resilience, then writes up the findings in language you'd use at the kitchen table.

5–7 working days
04

Walk through & decide

We present the findings, answer everything, and hand you a prioritised action list. Implement it yourself, use your existing adviser, or engage us on a fixed fee. No pressure either way.

45 minutes
Start with step one — it's free
Client outcomes

380+ UK investors have had the conversation

Teachers, contractors, company directors, retirees and first-time ISA investors. Different pots, same relief at finally seeing the whole picture.

A YourFinanceFeed adviser talking a client through their portfolio review
"The first review that made sense." Consultations held in London, on video, or at your kitchen table.
Saved £3,900 / year

"I'd been with the same wealth manager for nine years and assumed 'discretionary' meant someone was watching it closely. The cost breakdown was genuinely uncomfortable reading — but it was the first time anyone had shown me a single total figure. I moved platform within a month."

RM
Richard M.Company director · Guildford
Retirement date brought forward 2 years

"My worry wasn't returns, it was whether I could stop working at 60 without running out at 85. They stress-tested it against three market scenarios and showed me the drawdown order. I slept properly for the first time in a year."

SA
Sandra A.NHS consultant · Manchester
31% duplicate exposure removed

"I thought owning fourteen funds meant I was diversified. The look-through analysis showed nearly a third of my money was in the same handful of American tech companies, three times over. Nobody at my platform had ever mentioned it. We cut it to five holdings, lowered the cost, and the portfolio actually behaves the way I expected it to now."

DK
Daniel K.IT contractor · Leeds
£11,400 allowance reclaimed

"I'd been drip-feeding into a general investment account for years without realising I had unused ISA allowance sitting there. The bed-and-ISA plan they sequenced for me will save me more in tax than the whole review cost."

HT
Helen T.Retired teacher · Bristol
First-time investor

"I only had £22,000 and expected to be turned away. Instead I got a straight answer on what to buy, what it would cost and what not to bother with. No upsell at the end, which honestly surprised me."

OB
Omar B.Software engineer · Edinburgh
The YourFinanceFeed advisory team reviewing client portfolios in their London office
£186mReviewed since 2017
11Chartered advisers
Who we are

Built by advisers who got tired of selling things.

YourFinanceFeed was founded in Finsbury Square in 2017 by three advisers who left large wealth managers for the same reason: the advice was good, but the incentives were wrong. We removed commission entirely, published our fees, and committed to never manufacturing a product we could then recommend.

Today our team of eleven Chartered and Level 6 qualified advisers has reviewed over £186 million of UK portfolios — from £20,000 first ISAs to £9 million family structures. We hold no client money, take no third-party payments, and publish an annual conflicts statement.

FCA authorisedFirm reference 824913
Chartered statusCII Chartered Financial Planners
Data securedICO registered, UK data residency
Zero commissionFee-only since day one
Before you book

The questions we're asked most

Is the first consultation genuinely free?

Yes. The 30-minute consultation costs nothing and carries no obligation. We use it to understand your situation, tell you honestly whether a full review would be worth your money, and quote a fixed fee if it would. Roughly one in six people who call us are told they don't need us — we'd rather say so than take the work.

How much does a full portfolio review cost?

Our standard Portfolio Position Report is a fixed £495 for portfolios up to £500,000, and £795 above that. More complex work — trusts, corporate structures, multi-jurisdictional assets — is quoted individually before anything begins. There are no percentage-of-assets charges and no ongoing retainer unless you specifically ask for one.

Do I have to move my investments to you?

No, and we can't take them anyway — we don't hold client assets. Your money stays exactly where it is, with your existing platform or provider. We give you the analysis and the action list; you decide what to do with it, whether that's DIY, your current adviser, or engaging us for implementation support.

Is my portfolio too small to bother?

We work with portfolios from around £20,000 upwards. Smaller pots often benefit most, because a 1.5% annual cost drag matters just as much proportionally — and getting the structure right at the start saves decades of correction later.

How do you keep my financial data safe?

Documents are uploaded through an encrypted UK-hosted portal, stored with AES-256 encryption, and access-restricted to the adviser assigned to you. We never ask for platform login credentials. Data is retained for six years as required by FCA record-keeping rules, then securely destroyed. Full detail is in our Privacy Policy.

Can you advise on pensions and retirement income?

Yes — defined contribution pensions, SIPPs, drawdown sequencing and retirement income modelling are core to what we do. Defined benefit transfer advice is outside our permissions, and we will refer you to a specialist firm if that's what you need.

Next availability: this week

Find out what your portfolio is really costing you.

Thirty minutes with a qualified UK adviser. No products, no pressure, no fee. Just a straight answer to the question your statements never quite manage to answer.

[email protected]
020 3912 4870

Your free consultation includes

  • A first-pass read on your cost drag
  • Honest view on whether you need a full review
  • Two or three things to fix immediately
  • A fixed written quote — or a polite "you're fine"
Book Free Consultation No card details. No obligation. 380+ investors booked.