Can my wealth manager give me a consolidated fee view across all my banks?

No. Each wealth manager or bank can only disclose fees for the assets they manage directly. Unless you provide specific authorisation, they have no visibility to aggregate costs across institutions they don't control. A consolidated fee view requires an independent third party with access to data from all your institutions.

How much could I save by getting a consolidated fee analysis?

It depends on portfolio size and complexity. In practice, consolidated analysis frequently identifies 0.30–0.80% in annual costs that were not visible before — through duplicate strategies, above-market custody and management fees, or embedded product costs. On a large portfolio, this can represent a very significant annual figure.

Is a consolidated fee analysis the same as switching wealth managers?

No. It is an independent analytical exercise. It does not involve changing advisors, restructuring your portfolio, or making any investment decisions. The output is information — which you can then use however you choose, including staying with your current advisors but negotiating better terms.

Who needs consolidated fee transparency?

Anyone with assets held across more than one bank or institution. The complexity — and the potential for invisible costs — increases with the number of institutions, jurisdictions, and asset classes involved. UHNWI, international families, and complex structures (foundations, trusts, holding companies) are most exposed to this problem.

Does Swisstrust manage assets or give investment advice?

No. Swisstrust's role is strictly independent and analytical. It consolidates financial data, produces reporting, and identifies fee structures, consolidated concentration risks and inefficiencies — but does not manage assets, sell financial products, or give investment advice. This independence is what makes the analysis genuinely objective.