Clarity and stewardship for the retirement portfolio
We built Borrowdale around a simple conviction: retirees deserve rigorous, data-led portfolio analysis without opaque fees or sales pressure.
Why Borrowdale exists
Borrowdale was founded on a straightforward observation: many people approaching or living in retirement hold portfolios that were assembled over decades, often across several advisers, employers, and products. Fees accumulate quietly. Allocations drift. Nobody is looking at the whole picture.
We set out to build a service that uses structured data analysis to give retirees and pre-retirees an honest, document-based view of where their money actually sits — and what it's costing them to keep it there.
We are not a brokerage, and we do not sell financial products. Our role is to analyse, explain, and hand you a clear report you can act on, with or without us.
Plain-language analysis, free of conflicts
We exist to help people understand their own portfolios — not to steer them toward a particular product, provider, or platform.
Independent review
Our analysis is based on the documents and statements you provide, examined on their own terms rather than against a sales target.
Fee and drift visibility
We focus on surfacing layered costs and allocation drift that are easy to overlook in long-held accounts.
No product sales
Borrowdale does not sell investment products or earn commissions tied to recommendations within our reports.
Principles behind the analysis
- —Transparency first. Every figure in our reports is traceable to a line in your own statements, not an estimate dressed up as fact.
- —No unnecessary jargon. We write findings in plain language so decisions don't depend on decoding financial terminology.
- —Respect for existing relationships. We don't ask you to move accounts or switch advisers as a condition of receiving analysis.
- —Methodical, not rushed. Our process follows the same structured steps for every portfolio, regardless of size.
How the team works
Borrowdale combines structured data tooling with human review of every report before it reaches you.
Document intake
Statements and account documents are organised and prepared for structured analysis.
Automated data review
Our analysis tools identify fee layers, allocation patterns, and overlap across accounts.
Human-reviewed report
Findings are checked and compiled into a plain-language report you can read and keep.
See what a clear-eyed review looks like
Start your analysis and receive a plain-language report on your current portfolio.