Features
Every feature built around one goal: protecting what you've already built
Level Worthanden combines AI-assisted analysis with a considered, human review process — designed specifically for retirees and pre-retirees who value stability over speculation.
No obligation. No pressure to switch providers. Just a clear picture of where your portfolio stands.
Why These Features Matter
Retirement portfolios need a different kind of scrutiny
Most portfolio tools are built for accumulation — for people with decades left to recover from a downturn. Once you're drawing an income or approaching that stage, the questions change: How much risk is actually necessary? Where is cost quietly eroding returns? Is the mix still aligned with what you need it to do?
Level Worthanden was built to answer those specific questions, using AI-assisted analysis to surface issues that are easy to miss in a standard annual statement.
How It Comes Together
A structured review, not a generic scan
The analysis draws on established portfolio theory and current market data, then applies it to your specific holdings, time horizon, and income needs. The output is a written review, not a dashboard you're left to interpret alone.
Every recommendation is framed around capital preservation first, growth second — reflecting the priorities most retirees actually have, rather than a one-size-fits-all model.
Core Features
What's included in a portfolio review
Each review covers the same set of core areas, applied consistently across every portfolio we look at.
Risk exposure mapping
We identify how much of your portfolio's value is tied to volatile assets versus stable holdings, and whether that balance still matches your stated tolerance for loss. Many portfolios drift toward higher risk over time without anyone noticing until a downturn arrives.
Fee and cost breakdown
Fund charges, platform fees, and adviser costs are laid out clearly, alongside their compounding effect over a typical retirement time horizon. Small percentage differences add up considerably over fifteen or twenty years.
Diversification check
The review flags concentration in a single sector, region, or asset class — a common issue when holdings have accumulated gradually over many years without a coordinated plan behind them.
Income sustainability modelling
If you're drawing an income, we model how different withdrawal rates interact with market conditions, helping you understand the trade-off between spending today and preserving capital for later years.
Plain-language written summary
The findings are delivered as a written summary in ordinary language — not a spreadsheet of figures you're left to decode. Every observation is explained in terms of what it means for your situation specifically.
No-obligation follow-up conversation
Once you've had time to read the review, there's an opportunity to talk through the findings and ask questions, with no expectation that you act on any particular recommendation.
Illustrative: Cost Impact Over Time
A simplified illustration of how cumulative fees can compound against portfolio value over a longer holding period. Not based on any specific client data.
How Reviews Are Delivered
Three steps, start to finish
The process is intentionally simple — most of the work happens on our side, not yours.
Share your holdings
You provide a summary of your current portfolio through a short, guided form — no lengthy paperwork required.
We analyse and write up findings
Our AI-assisted process examines risk, cost, and structure, and the findings are compiled into a clear written review.
You review at your own pace
You receive the review to read on your own time, with an optional follow-up conversation whenever you're ready.
Questions about specific features
Does the review recommend specific funds or products?
The review focuses on structure, risk, cost, and diversification rather than promoting particular products. Where changes may be worth considering, they're described in general terms so you can discuss them with your existing adviser or provider.
How is the AI-assisted analysis different from a standard statement?
A standard statement shows you what you hold. Our analysis interprets what that mix means for risk, cost, and income sustainability, and presents it in language intended to be understood without a financial background.
Can I use this alongside my existing adviser?
Yes. Many people use the review as a second opinion or a way to prepare more informed questions for an existing adviser, rather than as a replacement for ongoing advice.
Is my information kept private?
Portfolio details you share are used solely to produce your review. Please see our Privacy Policy for full details on how information is handled.
See these features applied to your own portfolio
Request a review to receive a clear, written assessment of where your holdings stand today — with no obligation to act on it.