Select FAQs

Our Investment Consultants and Research Analysts hold CFA and CISI qualifications and have significant experience consulting for trustees and their clients on complex investment affairs. Our team is led by experienced investment professionals and operates within an independently chaired Investment Committee framework that provides additional rigour and governance over our research and recommendations. We are a CISI Chartered Firm, which is independent recognition of our professional standards.

Every Select engagement starts with a thorough investment objectives evaluation where your dedicated Investment Consultant works with you to understand the client's investment aims, risk tolerance, time horizon, income and tax requirements. We then formalise these into a clear investment policy statement that guides every recommendation. Our Research Team covers cautious, balanced and growth risk profiles across multiple strategies, so we tailor solutions to match each client's specific needs.

ESG is one of the five pillars in our 5P manager research process - we call it Planet. We believe that ESG factors must be genuinely integrated into investment decisions and corporate culture, not just documented in policies. Our Research Team assesses how investment managers incorporate environmental, social and governance considerations into their day-to-day investment process and looks for proof of meaningful integration rather than tick-box compliance.

If our ongoing monitoring and research identify that a change of investment manager would benefit the client, your Investment Consultant will discuss the rationale and recommendation with you before any action is taken. Because Select is implemented on a centralised private banking platform using funds rather than segregated mandates, manager changes can be executed efficiently and cost-effectively without the complexity and expense of moving between multiple platforms and accounts.

Yes. Our Connect platform is connected to hundreds of different investment counterparties around the world, which means our Investment Consultants can advise you on platform assets and externally managed assets holistically. We always implement our manager selection recommendations on our private banking platform, but these recommendations account for assets managed elsewhere, which we can consult on to ensure the overall portfolio remains aligned with the client's investment policy.

No. Select is an advisory service delivered by Enhance Wealth Consultancy Limited (EWCL) under a JFSC Category D advisory licence. Enhance is not a discretionary investment manager: every recommendation is discussed with you and requires trustee approval before it is implemented. This keeps investment decisions where trust law expects them to sit, with the trustee, supported by qualified and impartial advice.

No, never. Enhance Wealth Consultancy Limited does not hold client assets or money. Custody and execution sit with an independent, regulated Swiss private banking platform that is integrated with our Connect platform. Enhance's role is to advise, select managers and monitor. Your assets are always held by the banking partner, entirely separate from Enhance.

5P is the research framework behind every manager a Select client is recommended. Five pillars are tested in order: Performance, Process, People, Price and Planet, so a fund that fails on Performance is not carried through the remaining four. Research is conducted by CFA and CISI-accredited Research Analysts to a standard template, strengthened by data from the more than 7,000 portfolios Enhance monitors. Every fund must then be approved by our independently chaired Investment Committee before it enters the universe your Investment Consultant selects from.

Funds are not approved indefinitely. The Investment Committee considers 5P findings and re-testing outcomes every quarter, adding funds that newly pass the framework and removing funds that no longer do. An immediate re-review is also triggered by any meaningful change at a manager, such as a change of lead portfolio manager, a change of ownership or a material breach of a fund's stated mandate. Every finding is documented, giving trustees a dated record of why each fund was approved, retained or removed.

Select combines two service types. Manager Oversight applies to investments that remain with your existing banks or investment managers: your Investment Consultant evaluates objectives, agrees an investment policy, negotiates fees and reviews performance at regular meetings, all consolidated through Connect. Manager Selection includes everything in Manager Oversight, plus manager selection and full implementation on our preferred private banking platform, bringing additional services such as income and treasury management, foreign exchange and Lombard lending. One consultant advises holistically on total wealth, wherever it is held.

Conflicts in investment advice usually arise from remuneration (commissions and retrocessions), affiliation (ownership ties to investment managers) or focus (a firm running its own balance-sheet assets alongside client advice). Select is built to avoid all three. There are no commissions, no retrocessions and no platform inducements. The single tiered consultancy fee is the only revenue Enhance earns from the engagement, and we are happy to provide a written breakdown of every source of revenue connected to your engagement before you appoint us.

Because the total cost of investing is the sum of at least four layers: the consultant or manager fee, the platform or custody fee, underlying fund charges and embedded costs such as transaction charges and performance fees. These layers compound, so a low headline fee sitting on expensive underlying funds can cost more overall than a slightly higher fee on an efficiently priced range. Select addresses this with a detailed fee estimate, itemising every layer including fund management charges, provided before Enhance is engaged.

A named team as standard: an Investment Consultant, a Research Analyst and an Associate, all CFA or CISI accredited, with backgrounds spanning fund managers, stockbrokers, accountants and analysts. Your Investment Consultant is your single point of contact and coordinates the consulting, manager selection, monitoring and platform aspects of the service. Qualifications can be verified directly with the awarding bodies, and the same standard applies to every client relationship.