Answers Before You Decide
Clear, straightforward information about how Borrowdale works, what it costs, and what to expect — so you can make an informed decision about your retirement portfolio.
What exactly does Borrowdale do?
Borrowdale uses data-driven analysis to review your existing investment portfolio and identify areas where you may be paying unnecessary fees, carrying unsuitable risk, or holding allocations misaligned with a retirement timeline. We provide a clear report and recommendations; you decide what, if anything, to act on.
Is Borrowdale a financial advisor?
No. Borrowdale does not provide regulated financial advice. We offer data analysis and educational information to help you understand your portfolio more clearly. For personalised financial advice, you should consult a licensed, regulated advisor.
Who is this service designed for?
Our analysis is built primarily with retirees and pre-retirees in mind — people who want to understand how fees and allocation decisions affect a portfolio that needs to last through retirement. That said, the underlying analysis can be useful at any stage of investing.
How does the portfolio analysis work?
You share relevant details about your current holdings and account structure. Our system reviews this information against a defined methodology — looking at fee layers, allocation drift, and concentration risk — and generates a plain-language report highlighting what we find.
What information do I need to provide?
Generally, this includes a summary of your current holdings, account statements showing fee disclosures, and basic information about your investment timeline. The exact requirements are explained once you start the process through our contact form.
How much does the analysis cost?
Pricing details are discussed directly with our team based on the scope of the review requested. We believe in fee transparency, so any cost will be communicated clearly before any work begins — there are no hidden charges.
Will you tell me exactly which investments to buy or sell?
We provide analysis and observations about your current portfolio structure, not personalised buy or sell instructions. Any decisions about specific transactions remain yours, and we encourage you to involve a regulated advisor for execution-level decisions if needed.
How long does the process take?
Timelines vary depending on the complexity of your portfolio and how quickly the required information is provided. After submitting your details through the contact form, our team will give you a clearer estimate for your specific situation.
Is my financial information kept secure and confidential?
We treat the information you share with care and use it solely for the purpose of the analysis you requested. Please see our Privacy Policy for a full description of how data is handled.
Can Borrowdale help if I already work with a financial advisor?
Yes. Many people use our analysis as an independent second look at their existing arrangements, which can be a useful input to bring to a conversation with your current advisor.
What happens after I receive my analysis report?
The report is yours to keep and use as you see fit. Some people act on it independently, others discuss it with their advisor, and some reach out to us with follow-up questions about specific findings.
How do I get started?
Visit our Contact page and send us a message describing your situation. A member of our team will follow up with next steps and the information needed to begin your analysis.
Still Have Questions?
If you didn't find what you were looking for, reach out directly and we'll be glad to help.