Concentration
Six funds that all hold the same twenty large-cap names is one bet, not six. We look through to underlying holdings and measure the overlap rather than counting schemes.
Risk and Structuring
Most portfolios are not badly built. They just have too much in one place, too little cash, or not enough cover. All three are easy to fix early.
Where things break
Four things we check first
Liquidity
If an emergency forces you to sell equity in a drawdown, the loss becomes permanent. We size a reserve so that market timing is never imposed on you by circumstance.
Protection gaps
Term cover and health cover measured against actual dependants and liabilities, not a round number someone suggested years ago and nobody revisited since.
Business entanglement
For founders, personal and company finances are usually fused: guarantees, pledged shares, director loans. We map the linkages and separate what should be separate.
For businesses
For business owners
Owner-managed businesses tend to accumulate structure by accident, a working-capital line here, a personal guarantee there. We document what exists and where it puts the owner's household at risk.
- Treasury policy. Where idle business cash sits, and on what terms it can be reached.
- Guarantee mapping. Every personal guarantee and pledge, with its trigger conditions written out.
- Succession readiness. What happens to the business, and to the family, if the owner is suddenly unavailable.
- Key-person exposure. The revenue and relationships that sit with one individual, and how that is covered.
What this service is not
This is a review and structuring exercise, not regulated investment advice for a fee, and not a legal or tax opinion. Where a question needs a chartered accountant or a lawyer, we will say so and work alongside yours rather than guess. Insurance products are distributed through appropriately licensed partners.
Common questions
What does a risk review actually produce?
A written document: your current exposures, ranked by how much damage each could do, with a specific recommended action against each one. You keep it whether or not you implement anything through us.
Do you sell insurance?
We identify gaps and can arrange cover through licensed partners. We will tell you when the honest answer is that your existing policy is adequate and you should keep it.
Is this useful if my portfolio is small?
Often more so. Concentration and liquidity mistakes are cheapest to fix early, before the amounts involved make them expensive to unwind.
Where is your portfolio thin?
A review takes about a week and tells you plainly.