Method · 2026-08-04 · 6 min
The cost of fragmented advice
Each specialist can be excellent and the whole can still be incoherent. The hidden cost of fragmentation is not fees. It is decisions that cannot see one another.
A tax decision that ignores liquidity. An allocation that ignores the operating business. A private commitment that ignores the next three years of family cash needs. None of these are rare. They are the natural product of advice organised by product or by professional guild.
The remedy is not a single adviser who claims omniscience. It is a shared architecture in which specialists can work — because the relationships are visible.
Not investment advice. Illustrative structures are not performance.