What is the true portfolio allocation?
Consolidate funds, cash and overlapping exposures to understand equity, fixed income and currency concentrations.
Existing plan review
Ardan platform review.
Get a structured overview of your platform holdings, fees and allocation. A structured conversation about the policy you already have—not a blanket recommendation to replace it.
Not an official Ardan website · Terms and availability depend on your contract
A review focused on
Existing policiesInvestment allocationPlan chargesOngoing servicing
Your starting point
Understand what you already have.
For platform-based accounts, underlying funds, custody, charging arrangements and access options should be reviewed together.
What to have ready
A recent policy valuation, original schedule and any fee or fund statements you have. Never share login passwords.
A plan-specific discussion
Not all policies are the same.
Any options discussed must be checked against your own policy documentation.Review focus
Three areas worth exploring.
01
Review holdings and diversification
Assessment depends on current documents, your objectives and the specific contractual conditions.
02
Understand platform and investment charges
Assessment depends on current documents, your objectives and the specific contractual conditions.
03
Consider ongoing portfolio monitoring
Assessment depends on current documents, your objectives and the specific contractual conditions.
Ardan policy questions
What should you check before changing anything?
For an Ardan platform account, the platform-level charges and the expenses of individual investments should be considered together. It also helps to distinguish money held in cash from positions invested in funds or other assets.
What are the total account costs?
Review disclosed custody, dealing, platform, advisory and fund costs where each applies to the specific account.
Are the holdings suitable for your time horizon?
Compare the liquidity and risk of positions with any planned withdrawals or future spending needs.
Documents that make a review more useful
Account valuation, holdings list, fee schedule, dealing history and any existing adviser agreement.
You can read our guide to understanding a policy valuation before sharing a statement.
Is a platform balance the same as investment performance?
No. The balance may also reflect deposits and withdrawals. Cash-flow-aware calculations give a clearer view.
For questions about your current adviser, see financial adviser second opinions.
Already know your provider?
Go directly to a review page tailored to your existing plan.
Policy review directory
Your existing provider. A fresh perspective.
Explore reviews for existing plans. Provider names are shown for identification only; no affiliation or endorsement is implied.
Know where you stand.
Then decide what comes next.
Start with a conversation about the plan you already own.
Take the next step
Get clarity on the plan you already own.
Tell us who your policy is with and what you want to understand. We'll arrange a personal review of your existing situation.
Your enquiry will be reviewed by Expat Wealth Desk. You can optionally attach a recent valuation so we can understand the current policy. Please never include passwords or identity documents.
Choose a convenient time
Prefer to speak with us?
After sending your details, book your free review call directly on this page. You can choose a time that suits your time zone.
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Expat Wealth Desk · Review Call
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Frequently asked
Before you make a decision.
Can my existing plan be reviewed without closing it?
Often, yes. Reviewing the documents, valuation, charges and holdings does not require terminating a plan. Available servicing options depend on your provider and policy.
Does changing an adviser mean changing the investment provider?
Not necessarily. Adviser servicing arrangements and transferring or surrendering a policy are different actions. The provider’s rules and account conditions determine what is possible.
Can you tell me exactly how much my plan costs?
Only once the precise product, issue date, policy terms and relevant statements are known. Generic fees shown online might not apply to your contract.
Are you part of the providers mentioned on this website?
Provider names describe the plans that visitors may already hold. This website is not an official provider portal and does not imply an endorsement by any provider.