It’s probably a lot more than you think.

You might see 1%, but when you add in all of the internal fees of the funds and models they put your money into it’s much closer to 2%.

It’s my opinion that NO ONE should be paying more than 1% ALL IN. In fact, I think that’s quite fair. My team does better, but still, quite fair.

Model portfolios from Vanguard or Blackrock seem simple and sturdy, BUT blindly following the index crowd exposes you to:

• Severe drawdowns that can wipe out years of gains

• Tax drag on dividends and realized gains

• Sequence-of-returns risk if bad timing collides with life events

Index investing isn’t inherently safe. It only looks safe inside the protective cage of retirement accounts where constant contributions, tax advantages, and withdrawal restrictions mask its true risks.

What you really need is not “simple indexing,” but risk-managed strategies:

✅Active downside controls to protect against large losses.

✅Factor-driven allocation for superior risk-adjusted returns.

✅Tax-aware portfolio management.

✅Flexibility to access capital without derailing the plan.

How Thames Bridge Breaks the Illusion

We’ve built managed account strategies that deliver what investors truly need:

🔹Quantitative risk management designed to minimize drawdowns.

🔹Multi-factor investment models for consistent, diversified return drivers.

🔹After-tax efficiency through smart portfolio construction and harvesting.

🔹Accessibility and transparency, all in a managed account format.

In other words: we give individuals the kind of disciplined, hedge-fund-like approach that institutions use, but make it available outside the retirement account wrapper.

Individual investors CAN HAVE the same caliber of strategies institutions rely on. It’s just too expensive to do at the scale for the likes of a Vanguard and Blackrock

Your journey deserves more than "buy the market and hope for the best!".

You’re a high-performing professional, executive, or business owner, deeply invested in what you do and exceptional at it. You expect the same level of rigor, discipline, and accountability when it comes to managing your wealth and long-term financial well-being.

At Thames Bridge, we work with individuals and families who share a millionaire mindset with long-term vision, not a short-term speculators. Those who value discipline, structure, accountability and process over chasing performance without understanding risk.

What matters most isn’t where you are today but it’s how you think about capital, risk, and long-term outcomes.