Conflict of Interest Audit
We examine the remuneration structures of your existing advisers — fee-based, commission-based, or hybrid — and identify where those structures may be creating systematic bias in the recommendations you receive.
Service · Advisory
Who checks the work of your existing advisers?
Riverside Mercer provides independent fiduciary advisory for clients who want a second opinion on the advice they are already receiving — without dismantling what is working.
An independent perspective on your full advisory picture.
High-net-worth clients typically work with a network of professionals: a private bank, an investment manager, a tax adviser, a solicitor, and perhaps a financial planner. Each professional optimises for their own area of competence. None of them, as a rule, is responsible for the coherence of the whole. Riverside Mercer occupies the role of fiduciary co-ordinator: we review the full advisory landscape, identify where recommendations from different professionals contradict or undermine each other, where conflicts of interest exist within the existing adviser relationships, and where significant protection gaps have been left unaddressed. Our advisory engagement does not require you to change any existing adviser relationship — we work alongside your current team.
What an advisory engagement examines.
Four areas where independent review most frequently uncovers material gaps.
Coherence Review
We map the recommendations from all your advisers onto a single picture of your capital position and identify contradictions — for example, where a tax adviser's strategy conflicts with the liquidity requirements implied by your investment manager's allocation.
Protection Gap Analysis
We identify areas of your wealth that are not currently covered by any form of protection framework — no insurance, no structural ring-fence, no documented succession plan — and assess the realistic cost of those gaps materialising.
Ongoing Fiduciary Retainer
For clients who wish to maintain a permanent independent oversight function, Riverside Mercer offers an annual retainer that provides scheduled reviews, access to senior adviser input on new decisions, and a standing second opinion on all material changes to the capital structure.
“We brought in Riverside Mercer after completing a significant liquidity event. I wanted an independent view before committing to any new structures. What they produced was an eighty-page review of our existing arrangements that identified four areas requiring immediate attention. None of our incumbent advisers had raised any of them. The retainer has been in place ever since.”
Petra V., Family Office Principal, Žilina
A fiduciary review requires no change to your current advisers.
Riverside Mercer works alongside your existing team — adding an independent layer of scrutiny, not replacing the relationships you already trust.