Over the last 14 years, school fees have jumped 78%. The total cost of educating a child from nursery to university, taking into account inflation at 4.8%, is now more than £750k.
But you don’t need to earn more, take more risk or improve your investment returns to cover this recurring cost. In fact, by cutting fees and creating just one efficiency in your financial life, you could cover your bill every year.
Prior to working with Y TREE, a typical client pays between 1.8% and 2.5% in wealth management fees. By improving the efficiency of your investment set-up (fund costs, discretionary fund management fees, custody and transaction costs), you can easily reduce those costs to 0.7%.
Over 20 years, this could save you £2.3m.
But Y TREE doesn’t just focus on cutting costs. We create multiple, marginal gains across your entire financial profile – risk mix, liquidity, currency, cost, structuring. Each little win compounds to significant value over time.
That means you can probably cover the cost of education and then some. Our clients reinvest the value we generate into the things they care about most – their children, businesses they’re passionate about, travel, retirement, house renovations, philanthropy. It’s up to you.
We are bringing money back to life.
This is exactly what I thought and wanted it to be. It is the best, and most innovative concept and approach I’ve seen in this space.
I don’t say this often but I am absolutely blown away by what you have built. Seriously impressive. I’ll be sending every single one of my clients your way.
Unless I had billions of pounds, I’d never be able to replicate the quality of your team. I don’t want a family office - this is what I need.
Your app is brilliant. It gives me peace of mind having everything in one place and accessible in the palm of your hand.
This is absolutely brilliant. You've captured all the issues with the industry... in a beautifully data-driven way.
This is hugely valuable. It gives me a realistic idea of what I can commit, whilst making sure I am not taking any reckless risks.
I’m not particularly interested in our finances but for the first time this makes sense to me. At least I know where everything is and we are well looked after if my partner goes under a bus
At Y TREE, transparency means making the complex simple. We give you a bird’s-eye-view of your financial life so you can make sense of what it means for you and your family.
We aggregate your data, pulling together all the strands of your financial life to give you an instantly accessible, intuitive and objective view. We carry out analysis that provides insight into your income, expenditure, assets and debts.
We create efficiencies at every level with multiple incremental gains that can compound to significant value over time. Compounding is one of the most powerful forces in the financial world; the earlier you start, the greater the impact.
We advise comprehensively on risk, liquidity, currency, cost and structuring – making continuous adjustments when needed.
At Y TREE, we connect your finances - your income, assets and debts - with the things you value most: your plans for the future, your family and the legacy you want to leave.
We design financial life strategies to meet your ambitions and enable you to navigate changes in lifestyle, health, family, business, economies and markets.
At Y TREE, transparency means making the complex simple. It means having an elevated perspective over your financial life and being able to make sense of what it means for you and your family.
We aggregate your data, pulling together all the strands of your financial life to give you an instantly accessible, intuitive and objective view. We carry out analysis that provides insight into your income, expenditure, assets and debts.
Sophisticated institutional investors never overlook the power of efficiency. We create efficiencies at every level with multiple incremental gains that can compound to significant value over time. Compounding is one of the most powerful forces in the financial world; the earlier you start, the greater the impact.
When you understand the power of compounding, every basis point counts. We advise comprehensively on risk, liquidity, currency, cost and structuring – making continuous adjustments when needed.
We believe that the starting point of any advice should always be what you want to do with your life. At Y TREE, we connect your finances – your income, assets and debts – with the things you value most: your plans for the future, your family and the legacy you want to leave.
We design financial life strategies to meet your ambitions and enable you to navigate changes in lifestyle, health, family, business, economies and markets.
