How we earn — and what we do not accept
Transparency is not a footer disclosure. It is the foundation of a fiduciary relationship.
Our sources of revenue
We earn from three sources. Each is disclosed, in writing, before any engagement begins.
Fixed retainers and project fees, agreed in the mandate letter and paid directly by the client. This is the primary source of our revenue.
When a client instructs us to execute a transaction through our licensed brokerage, standard market fees apply and are disclosed before execution.
In limited cases, third-party providers pay a referral fee when we make an introduction. Where this applies, it is disclosed in advance, in writing. The client may decline without penalty.
What we do not accept
- We do not manage assets. We do not charge fees on assets under management.
- We do not distribute proprietary products. We have none.
- We do not accept undisclosed commissions, soft dollars, or retrocessions.
- We do not receive payment from any party for favourable placement in due diligence reports or advisory memoranda.
Why this matters
In the private wealth industry, the default is that advice is bundled with product sales. The bank that holds your portfolio is also the bank that issues the product it recommends. The broker who structures your trade is compensated on the flow. The insurer who designs your policy pays the advisor who sold it. Each of these arrangements may be lawful and disclosed in some footnote — but each creates a structural conflict between what is recommended and what the advisor is paid for.
Our model separates these streams. The majority of our revenue comes directly from the client under a written mandate. Every recommendation we make is tested against one question: is this in the client's best interest? We believe this is the only basis on which a true fiduciary relationship can exist.
A 60-minute introductory meeting. No cost. No obligation. All discussions in strict confidence.
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