How we work

The way we do business with our clients, and what we hold ourselves to.

Our approach

We work one way, and we work it for everyone.

We take a more human approach to investing, and we treat our clients the way we would want to be treated with our own money.

In practice that means we made a small number of decisions early, and we hold to them for every account we open — the first one of the day and the largest one on our books.

These are those decisions, written plainly, so you can measure us against them.

What we commit to

Five promises we keep.

They apply to every account we hold, whatever its size.

We keep your whole portfolio in one place

A client should not need one relationship for cash, another for trades, and a third for a long-term plan. We built Compactpay so a single account carries all of it.

That is not only a convenience. It is how the person answering you is able to see the same picture you see when you write to us.

We know who our clients are

We check identity before capital goes to work. That is not us being slow — it is how we know the account belongs to you, and how we know money can find its way back to you.

A funded account we cannot pay out of is not a relationship we are willing to hold, so we do that work at the start rather than at the worst possible moment.

Your money moves when you say so

Cash that reaches us is yours. We do not sweep it into a plan or a position to make our own numbers look better.

It sits in your account, visible, until it is allocated. We think that is the least a client should expect from the people holding their capital.

We never make you choose between investing and trading

Most brokerages ask you to pick a lane on your first day and come back later for the other one. We do not.

Part of your portfolio can sit in a managed plan with a stated target and a stated term. Part of it can be traded — stocks, ETFs, bonds, currencies, and futures. One account, one statement, one desk behind both.

We send capital back the way it came

Withdrawals go to the destination we have already verified. We do not invent a new route at the last minute, and we do not add a step because a client asked for their money.

Plans carry terms and open positions carry market prices, so we will not pretend every dollar is free at every hour. What we can promise is that the path home is one we can stand behind.

Our desk

Our business is service, not sales.

We would rather answer one question well than sell you something you did not come here for.

If you are new to this, we will walk you through your first deposit and your first allocation, and we will not make you feel like a beginner for asking.

If you have invested for twenty years, we will still look after the account. When you write to us, we will answer quickly and without a script.

We keep the North American and London sessions between our offices, so for most of the hours your money is exposed there is someone here who can answer for it.

We also keep our company facts, our offices, and our legal documents in one place, so you can read them before you commit anything. See who stands behind your account