PwC | Y TREE

We combine data, technology and experience to provide a layer of intelligence over our clients’ financial lives.

Your complimentary financial life assessment is a forensic, independent analysis of the performance of your wealth managers and a first cut of your family’s financial life strategy.

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What is included?

Aggregation
View your entire financial life in one place, including your cash, pensions, investments, property and business. This gives you a complete picture of your financial profile in the context of your life.
Analysis
Forensic, independent analysis of the performance, risk and costs of your current investment and wealth management arrangements.
Financial life strategy
Detailed assessment of your projected income and spending profile and a sophisticated strategy to help you best achieve your career, lifestyle, family and society aspirations.

We solve 5 key personal finance problems

1 Lack of control

It’s time consuming to keep your financial affairs up to date and to see the whole picture

2 Opaque reporting

Reports are complex and it’s difficult to compare performance, risks and costs

3 Money not life

The wealth management industry tends to focus on past investment performance not the feasibility of future life ambitions

4 Complex products

Financial products, structures, acronyms and tax rules are difficult to understand

5 Product sales

The industry is principally motivated to sell financial products and is not typically incentivised to provide high-quality impartial advice

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Y TREE services

Reporting

Automated data feeds from your financial services providers with independent analysis and insights on performance, risk and costs available 24/7 on the Y TREE App

Explore reporting

Aggregation

Access up-to-date data from all your financial services providers and view your entire financial life in one place.

Analysis

Compare the performance, risks and costs of your wealth managers and private assets. Understand currency and liquidity exposures.

Data insights

Benchmark your financial position against your peers and access intelligent insights about money and life.

Advice

Institutional quality advice powered by our proprietary asset-liability engine for money and life, underpinned by data-driven stress testing and scenario planning

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Life strategy

Define and enable your future aspirations with our proprietary asset-liability engine for money and life.

Strategic advice

Access data-driven advice on risk, currency, liquidity, cost and tax planning from your dedicated team, available 24/7 on our encrypted chat.

Stress testing

Quantify the impact of things you cannot control like changes in equity markets, interest rates, inflation, taxes, liquidity and life events.

Implementation

Digital monitoring and management of your entire financial life using the processes and investment solutions of the world’s leading institutions

Explore implementation

Product analytics

Access institutional quality investments and services, independently assessed for suitability and benefiting from scale-based cost reductions.

Continuous monitoring

Measure your entire financial profile against strategic targets for your risk level, currency, cash balances, tax efficiency, liquidity and debt.

Digital execution

Benefit from systematic risk rebalancing, investment of surplus cash, utilisation of tax allowances and efficient sources of liquidity.

As with all investing, your capital is at risk.

Benefits of using our services

Transparency

Gain control with all the strands of your financial life being updated and visible in one place. Benefit from peace of mind knowing that your family can access and understand your personal finances at any time.

Meaning

Maintain focus on your work while we implement a financial life strategy to meet your aspirations for life – whether you want to retire, choose another career, maintain your lifestyle, support your family or give back to society.

Efficiency

Access processes until now only available to leading sovereign, pension and endowment funds. These can add more than 3% to your annual returns and have a material impact on your lifestyle and plans for the future.

Fees and value add

PwC partners benefit from discounted fees as part of our agreement. Fee levels vary based on the value of our clients’ liquid assets. The standard rate negotiated for PwC partners is 0.48% of liquid investments. While we have negotiated preferential fee rates for all client sizes, we expect that the current Y TREE service will add most value to clients with investable assets of more than £1m.

Our average professional services client can halve their fees from 1.6% to 0.8% and add more than £10m over a lifetime.* This is just one of the elements of value we provide. With Y TREE’s institutional processes, we can add more than 3% to your annual returns

*The above information is provided for illustrative purposes only and is not intended as a forecast of the actual returns you might achieve. This scenario is based on an investment portfolio of £3.8m and a standard 60:40 (equity:bond) portfolio, reducing fees from 1.6% to 0.8%, and client age 55.

Our clients

We advise partners in the top consulting firms, as well as leaders in many of the top private equity, corporate finance, accounting, and senior executives and entrepreneurs. We have a clear understanding of their compensation structure, career and lifestyle objectives.