Central intelligence for money and life
Managing money doesn’t have to be complicated and time consuming. Our life-changing service brings your finances together, giving you clarity, control, and the ability to make smarter decisions.
Aggregation and analysis
We give you a comprehensive view of your wealth. Our technology aggregates data from all your banks, wealth managers and platforms, including cash, investments, pensions, properties and businesses. Our analysis enables you to assess independently the performance, risks and costs of all your investments in one single secure place.
Data-driven strategy and advice
Using the same techniques as the sophisticated pension funds and insurers, we have built a proprietary asset-liability engine that generates a financial life strategy to achieve your aspirations. We give you the tools and data to improve your resilience to stresses you can't control like the economy, markets, interest rates, inflation, taxes and life events.
Monitoring and management
Our technology continuously monitors and balances your risk, cash, currency, illiquidity and tax allowances against your strategic targets. We advise on public and private market investments from world-leading institutions, independently assessed for suitability. Our clients benefit from scale-based cost reductions.
A transformational experience
We’ve built a seamless experience that integrates technology and personal service to turn complexity into clarity. By unifying your entire financial ecosystem into a single, secure interface, we provide the definitive "truth" for your wealth. Whether you want to review your balances, interrogate performance, message your advice team or approve investment recommendations, you can do it at the touch of a button.
A transformational experience
We’ve built a seamless experience that integrates technology and personal service to turn complexity into clarity. By unifying your entire financial ecosystem into a single, secure interface, we provide the definitive "truth" for your wealth. Whether you want to review your balances, interrogate performance, message your advice team or approve investment recommendations, you can do it at the touch of a button.
All your assets in one place
View aggregated information on all your wealth managers, private investments, properties, pensions, ISAs with a single sign-on
Independently validate your performance
Interact with objective analysis and benchmarking on the performance, costs and risks of all your investments
Confidential communication
Use our encrypted chat or call your dedicated team of experts on any aspect of your money, and they will respond discreetly and rapidly
Data-driven insights and advice
Understand and approve recommendations to make your money work harder, regardless of who manages your wealth today
An all-together different experience
Managing your wealth should never feel like a burden. Our service is designed to work around your day.
Whether you want to message your adviser, track performance, or confirm an action, you can do this with ease, knowing there will be a dedicated team to respond when you need us.
Meet our advisers
Your experience is powered by a team of experts. Having worked at many of the world’s leading financial services businesses, they have joined Y TREE to transform the industry.
Whether you are a seasoned investor or seeking reassurance that someone is looking after your financial planning, we take time to learn what suits you best, continuously tailoring your experience to give you control and confidence in your financial future.
Personal finances, managed like a business
Managing your portfolio is complicated. It's challenging to understand how investments with different risks, currencies, tax structures, and liquidity profiles all fit together for you and your family’s future. At Y TREE, we run your finances like you run your business. Giving you the reassurance that your future is not reliant on what is in your head, the competence of your adviser, or the fortunes of a fund manager.
01
Unify and Benchmark Your Wealth
02
Build a Resilient, Life-Aligned Strategy
03
Advise Proactively
04
The Compound Effect of Total Visibility
05
Let’s apply this logic to your life.
Compounding fees impacts returns
People tend to think that small percentages don’t matter. They absolutely do, especially when it comes to money – and they compound to large amounts over time. In wealth management, there can be many layers of fees – products, custody, trading, foreign exchange. All of these compound over time and erode returns. Our technology and experience enable us to decipher all your charges. Our scale and expertise then help us to reduce your costs.
Typical wealth industry fees
Fee rate by type
Annual fees on £1m portfolio
Compound impact of fees over 10yrs
The impact of fees
People tend to think that small percentages don’t matter. They absolutely do, especially when it comes to money. Small percentages compound to large amounts over time. In wealth management, it’s difficult to see all the layers of fees – products, custody, trading, foreign exchange. Our technology and experience enable us to decipher all your charges. Our scale and expertise then help us to reduce your costs.
Performance
Even a small percentage of underperformance will compound over time
Adjust the portfolio size and underperformance level to see the impact it could have on a portfolio over 20 years
Average % of underperformance
Portfolio starting value
Time (years)
Portfolio value
Portfolio value including underperformance
to underperformance over 20 years.*
* (Disclaimer: Value assumes a base return of 7% p.a. and zero withdrawals. This information is for illustrative purposes only and does not forecast actual returns.)
Portfolio value
Portfolio value including underperformance
Time (years)
to underperformance over 20 years.*
* (Disclaimer: Value assumes a base return of 7% p.a. and zero withdrawals)
Why clients
choose Y TREE
Over time and through compounding, the high costs and underperformance of traditional wealth managers can amount to large sums of money. I used three or four providers but now I am completely bought into what Y TREE does and how they do it.
Preben Prebensen
Chairman, RiverStone International
I wanted a single source of truth - one platform, one data view - and Y TREE delivers that.
Niall Mills
Managing Partner, Igneo Infrastructure Partners
The whole access to the app, ability to take action quickly, low cost of trading, and automatic risk balancing all made sense.
Nick Hampton
CEO, Tate and Lyle
Questions?
We’re glad you asked..
What are the fees for the Y TREE service?
Fees are calculated based on the services you receive and the value of your assets under advice. They are bespoke to you and the services you choose.
How will I be billed for the services I receive?
Our billing process is designed to be transparent and straightforward. You will receive your invoice via the Y TREE app, within 30 business days after the end of each invoice period. Typical invoicing frequency is as follows:
- Core Services & Automatic Rebalanced Portfolio Service: we invoice for these services quarterly in arrears.
- Additional services: billed on an ad hoc basis.
If you have assets held with a Y TREE approved custodian, payment will be taken directly from that account 15 days after the invoice has been issued.
Who will be my custodian?
Following extensive due diligence, Y TREE has relationships with the following custodians: Multrees, UBS and AJ Bell. Each provider has been selected to provide a different type of service in order for Y TREE to best manage your portfolios.
Y TREE provides advice across seven key sources of value. These include:
- Cash and liquidity management
- Costs
- Underperformance
- Risk management
- Portfolio rebalancing
- Investing in illiquid investments
- Tax efficiency
Working through each of these areas of efficiency, we will help you answer key lifestyle questions like: When can I retire? How much can I contribute to my parents’ elderly care? How much can I afford to give to my family or to charity? How will my lifestyle be affected if there is a market downturn?
Who will my adviser be?
Your Y TREE adviser and advice team is specifically selected for you. Every Y TREE adviser is a highly qualified expert in Financial Planning and Investment advice. You will partner with an adviser based on your profile and specific requirements.
Who will be in my advice team?
You will have your own personal advice team, led by your adviser. Within each team will be an advice analyst, a more experienced advice associate and a client service analyst. You will be able to communicate directly with your team via the Y TREE app.
We have developed the Y TREE Benchmark to help clients understand how well their portfolios are performing relative to the level of risk taken. Clients find this a hugely valuable tool that is not offered elsewhere. The Y TREE Benchmark uses a mixture of publicly investable funds and reflects the returns you realistically could have achieved with a globally diversified index portfolio.
We have a proprietory financial planning methodology that results in a bespoke Financial Life Strategy for you. This is designed to evolve in line with your life. Your plans and any changes in your circumstances - such as your income, expenses, health, family matters (for example, having a child), work-life choices, or other events (like retirement, promotions, or sabbaticals) - are reviewed and updated at least once a year during your annual strategy review, and anytime you share them with your Y TREE adviser.
What is rebalancing, and when is it done?
Over time, market movements can cause a portfolio to drift away from its intended mix of investments — for example, equities may grow faster than bonds, increasing your overall risk. Rebalancing is the process of realigning your portfolio back to its target strategy, helping you stay on track and ensuring that your level of risk remains appropriate for your goals.
At Y TREE, this process is managed through our Rebalanced Portfolio Service (RPS) — an automated, dynamic system that monitors portfolios daily and makes timely adjustments when needed. By combining sophisticated risk analysis, trading, and tax optimisation, RPS keeps portfolios efficiently aligned with their investment strategy.
Typically our clients tend to hold different types of investments (ISAs, pensions, taxable portfolios etc) across different providers. Where we recommend a series of transfers to more efficient solutions managed by our preferred providers, we do so in a tailored approach that looks to minimise both time out of the market and any fees you are being charged by your current advisers/product providers.
The time taken for each transfer to complete depends on a number of factors, such as account type, incumbent provider and the type of transfer (cash or in-specie). Y TREE manages the entire ISA and pension transfer process on your behalf, from providing you with the required documents to sign, chasing each provider to ensure its swift completion and investing the proceeds once received.
As a general rule of thumb, the time taken to complete ISAs transfers in cash is 30 days and pension transfers in cash is 90 days. In-specie asset transfers can take considerably longer. For GIAs, the time is dependent on the incumbent provider acting on a client request.
Once you decide to join us, we will start to gather your financial data to build your financial profile. You will then be invited to download the Y TREE app from the Apple or Google app stores so that you can then access your portfolio at any time on your mobile.
On your mobile
The Y TREE app aggregates your finances across all asset types and providers in one place on your mobile or tablet. The app provides:
- Clear reporting and insight into your balances
- A transparent view of the performance of your portfolio against the Y TREE Benchmark
- Delivery of financial advice and notification of actions required
- Direct messaging with your dedicated advice team
On your desktop
You will also be able to view all your financial data on our client portal. This is ideal for a more comprehensive and detailed view of your finances - and best used when you want dive deeper into your data. The portal also features a personal document library, storing all the advice and analysis Y TREE has prepared for you.
We are committed to protecting our client’s personal data and strongly enforce the UK General Data Protection Regulation (GDPR). We have strict access controls internally and grant access to client data on a need-to-know basis. For external partners, Y TREE has a robust third party risk management framework which considers, amongst other things, the efficacy of our partners' security.
We recognise the risks from cybersecurity and our systems are built with a ‘security by design’ approach. Independently audited by experts, we are Cyber Essentials certified.
Founded in 2016, Y TREE is authorised and regulated by the Financial Conduct Authority, is GDPR-compliant, and protected with bank-grade security. Our clients and shareholders are business leaders from the financial services, including wealth management, private equity, the law, consulting, sport and business.
Y TREE is authorised and regulated by the Financial Conduct Authority (FCA). We systematically invest to incorporate FCA standards and best practice into our service design and user experience. We continuously evaluate our development against the four Consumer Duty outcomes. On data, we invest heavily in cyber security and are committed to protecting our clients’ personal data in accordance with the UK General Data Protection Regulation (GDPR).