X-Ray Review
A Clear View of Your Investments and Pensions
An X-Ray Review gives you a clear, obligation-free look at your existing pensions and investments. We help you understand whether you’re paying a fair price, being as tax-efficient as possible, and on track to achieve your financial goals. Whether your current arrangements are working perfectly or could be improved, we provide practical guidance tailored to your situation.
Understanding Your X-Ray Review
Not all investments are created equal, and even the most carefully built portfolio can contain hidden costs or outdated strategies. Our X-Ray Review is a free, obligation-free way to take a closer look and ensure your money is on track to meet your financial goals.
What is an X-Ray Review?
An X-Ray Review is a detailed check of your existing pensions and investments. We make sure you’re paying a fair price, staying tax-efficient, and that your investment strategy is aligned with your long-term goals. Sometimes your current arrangements are already ideal; we’ll confirm that. Other times, we may suggest improvements to help you achieve your objectives faster.
How Can an X-Ray Review Help Me?
The review can uncover hidden charges, outdated investments, or areas where your portfolio isn’t performing as well as it could. Clients often discover new ways to improve growth, reduce costs, or adjust risk, helping to maximise returns and secure their financial future.
What’s the Catch?
There isn’t one. Our review only recommends changes if we can improve your outcomes, meaning more growth for your retirement savings. It’s a simple, transparent, no-obligation way to see if you’re truly on track.
Are There Any Requirements To Do an X-Ray Review?
An X-Ray review is completely free. You have nothing to lose. The minimum value for SJB to perform a review is £100,000 or the equivalent in another currency. In some cases, SJB Global may be able to lower the cost of previous providers by up to 75%. You can choose to move your portfolio to SJB Global if you decide that the lower cost, better recommendations, and service are worth it.
What You’ll See in an X-Ray Review
Many investors aren’t aware of hidden costs or how well their portfolios are performing. Our X-Ray Review breaks everything down so you can make informed decisions. Here’s what we cover:
Comparing Investment Funds
We analyse the weighting and fees of your current investment funds to see if they’re performing efficiently and cost-effectively.
Risk Profile Comparison
Your portfolio’s risk is reviewed against benchmarks and similar portfolios, ensuring your investments align with your comfort level and goals.
Total Fees Analysis
We break down all costs—including product, adviser, fund, and platform fees—to see if you’re paying more than necessary and where savings can be made.
Geographical Asset Allocation
Understand how your investments are spread across regions and whether your current allocation matches your objectives.
Past Performance
Review how your investments, fees, risk, and allocation have affected returns over the past five years.
Geographical Asset Allocation
Understand how your investments are spread across regions and whether your current allocation matches your objectives.
Past Performance
Review how your investments, fees, risk, and allocation have affected returns over the past five years.
Ready to Get Your X-Ray Review?
Take the first step toward understanding your investments and pensions. Whether you want to uncover hidden costs, optimise your portfolio, or simply confirm you’re on track, our experts are here to guide you, completely free and without obligation.
What Does the Free X-Ray Review Include?
Portfolio Snapshot
A thorough, obligation-free review of your existing pensions and investments. We check fees, performance, risk, and geographical allocation to see if everything is working efficiently.
Fact-Finding Analysis
We analyse your current arrangements to understand whether they match your financial goals and risk preferences.
Personalised Recommendations
If we identify areas for improvement, we provide clear suggestions to optimise your portfolio and potentially reduce costs; otherwise, we confirm your strategy is on track.
Expert Guidance
Meet your adviser and get insights into how your investments could work harder for you.
Note: Minimum managed assets for SJB Global is £100,000 or currency equivalent.
Licensing & Regulations
Nexus Global specialises in providing a regulatory platform and compliance support to international financial advisers and intermediaries to enable them to meet regulatory requirements to provide their clients with a professional service. The financial advisers trading under SJB Global are members of Nexus Global. Nexus Global is a division of Blacktower Financial Management (International) Limited (BFMI). All approved members of Nexus Global are appointed representatives of BFMI. BFMI is licensed and regulated by the Gibraltar Financial Services Commission (FSC) and bound by the rules under licence number 3647: http://www.fsc.gi/regulated-entity/blacktower-financial-management-international-limited-3647.