UVest Logic · Private & Confidential MMXXVI
§ I  ·  Who We Are

A different kind
of investment counsel.

Former institutional equity professionals. Independent by design. Aligned with you, and only you.

I Institutional
Origins

Where we come from.

We are former institutional equity professionals — research analysts and strategists — who left the sell-side because we were appalled by the high fees, poor advice, and lack of independence in the financial-adviser industry. We spent our careers inside the machine. We know precisely how it works, and precisely where it fails the client.

Clients deserve genuinely independent advice on a fee basis, in the manner of an accountant or a lawyer. Most advisers earn through commissions: they place clients in products they do not need, charge higher fees, and concentrate risk in inappropriate vehicles. We built UVest Logic to be the alternative.

II The Conflict
at the Core

The expat adviser system
is broken.

The structural problem is not bad actors — it is bad incentives. A financial adviser who earns through product commissions is not aligned with your interests. The worse the investment is for you, the more they earn. This is not a fringe observation; it is the operating model of the industry.

How the Commission Model Works Against You
Financial Adviser
↓
Product A
Lowest fees · Best for you · Lower risk
Product B
Higher fees · Worse for you · Higher risk
Product C
Highest fees · Worst for you · Highest risk
↓
Investor
The adviser is incentivised to recommend Product C. You receive Product C.

The system is flawed — in general, the worse the investment is for you, the more the financial adviser earns.

III How We
Differ

Aligned with you,
and only you.

Our model is structurally different. We charge fees agreed in advance. We do not earn commissions, we are not paid by banks or fund houses, and we are not incentivised to sell you anything. Our income depends on you renewing — which means our analysis has to be honest.

01
Institutional

Every member of our team has a background in institutional investment — research, strategy, and analysis at scale. We bring that lens to private wealth.

02
Fee-Based

We charge fees agreed in advance. We do not earn commissions or product placements, and we are not paid by banks or fund houses. You are our only client.

03
Conflict-Free

We are not incentivised to sell you anything. Our analysis is honest because it has to be: our income depends on you renewing, not on what you buy.

04
Family Office Structure

We believe a family-office structure delivers the best outcome for serious wealth — you retain ultimate control of capital, access a wider universe of investments, and pay materially lower fees.

05
Lower Risk by Design

Independence and structure compound into a lower-risk proposition than the typical adviser model — where incentives and risk concentration work against the client.

06
Full Liquidity

Your capital stays on your side of the wall. No surrender values, no lock-ins. Access typically within one trading day, five at most.

IV Why It
Matters

Fees compound
against you.

We believe well-run portfolios should return in excess of 9% annually. Once fees and poor advice are subtracted, most clients see a fraction of that. The arithmetic is not complicated — it is simply never shown to you clearly.

On an initial investment of USD 1 million, the difference between average adviser performance at roughly 6% after fees and a properly-run book at 10% produces an additional USD 6.5 million in capital at year twenty-five. That gap is the cost of the current system.

USD 6.5m Additional capital at year 25 from the 4-point gap
USD 3.5m+ Paid away in fees and poor performance by year 20
USD 700k Annual passive income at 10%, vs USD 130k at 6%

Start with a health check.

Every engagement begins the same way — an independent review of your existing advice and portfolio. We have yet to encounter a case without material findings.

Our Service Our Fees
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