Artwork by Wanjira Kinyua
Fees
We charge for the advice, structure and ongoing oversight needed to help the overall position work properly over time.
We do not earn commissions or incentives from product providers.
Waugh McDonald Advice
Initial implementation
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Understanding your position
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Defining priorities
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Modelling outcomes
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Designing structures
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Implementing the strategy
Ongoing advisory
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Maintaining the plan
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Overseeing structures
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Supporting decisions
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Coordinating providers
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Maintaining discipline
Structures and custody
Assets may be held through:
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Investment platforms
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Offshore bonds
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Trusts or fiduciary structures
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Other regulated custody arrangements
Each carries its own provider costs.
Our role is to:
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Recommend appropriate structures
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Ensure they are used correctly
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Ensure costs are transparent and understood
Investment management
Portfolios are implemented through institutional managers and sit within the wider plan.
Our role is to ensure that:
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Portfolios reflect the purpose of the capital
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Risk fits the overall structure
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Decisions remain disciplined over time
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Outcomes are understood in context
We remain involved, providing oversight and maintaining alignment.
Transparency
There are no hidden charges, commissions or opaque fees.
Clients should always know:
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What is being paid
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Who is being paid
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Why
Our role is to help make sure the overall position works.
Not simply focus on the investments within it.