What sets Rowan Kapithal apart
A fee-free, data-led way to evaluate your retirement strategy — built around clarity, stability, and your own decision-making, not product sales.
Advantages built for the retirement stage of life
Most tools are designed for accumulation, not for the questions that matter once you're drawing down. Our advantages come from focusing on that single stage.
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1
No commissions, no product bias
We don't sell funds, annuities, or insurance, so our analysis isn't shaped by what pays us. You see the same numbers we see.
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2
Zero fee to review your position
Getting a clear picture of your retirement readiness shouldn't cost you money before you've even made a decision.
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3
Stability-first framing
Our analysis weighs drawdown risk, sequencing, and volatility exposure alongside returns — not returns alone.
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4
You keep control
We provide structured information and scenarios. The decisions, and the accounts, stay entirely yours.
How these advantages show up in your review
Each advantage translates into a concrete step of the process, so the benefit isn't abstract — it's part of what you receive.
Independent intake
We gather your current holdings and goals without steering you toward any particular product.
Stability scoring
Your portfolio is assessed against volatility and drawdown measures, not just projected growth.
Scenario comparison
We lay out alternative allocations side by side so trade-offs are visible, not buried in jargon.
Your decision
You leave with a clear summary. What you do with it, and when, remains entirely in your hands.
An advantage measured in steadiness, not just upside
For pre-retirees and retirees, how a portfolio behaves during a downturn often matters more than how it performs during a rally. We weight our analysis accordingly.
This doesn't mean avoiding risk altogether — it means making sure the risk you carry is one you've actually chosen, with a full view of what it could mean for your income.
Based on volatility and drawdown modelling for a hypothetical balanced retirement allocation. Not a forecast or guarantee.
Common questions about our advantages
Is the zero-fee review really free?
Yes. There is no charge for the initial analysis of your current position. We don't earn commissions on products, so there's no hidden cost baked into the review.
Does "stability-first" mean lower returns?
Not necessarily. It means risk and return are weighed together, with particular attention to how a portfolio holds up during downturns, rather than optimising for growth alone.
Will you tell me exactly what to buy or sell?
No. We provide structured analysis, education, and scenario comparisons. Specific buy or sell decisions, and any related advice, remain outside the scope of what we offer.
How is this different from a typical adviser?
We don't hold assets, sell products, or earn commissions. Our role is to help you understand your position clearly so you can act on it, or seek further advice, with more confidence.
Rowan Kapithal offers general analysis and educational material. It does not constitute personalised financial, tax, or legal advice. Capital invested is at risk, and past performance is not a guide to future performance. Please seek independent professional advice before making financial decisions.
See these advantages applied to your own position
Request a complimentary, no-obligation review and find out where your retirement strategy stands today.
Discover our approachNo commissions. No obligation. Capital invested is at risk.