In volatile markets you need sound strategy, wise counsel and the encouragement to stay the course. Hatim and the Vault team genuinely understand my goals — seasoned professionals I trust.
Dean MorozPartner — Ashurst
Priority · $100K - $1M
A Real Advisory Relationship, From $100,000
Priority is Vault's entry tier. A dedicated wealth advisor, planning against your actual goals, and a globally diversified portfolio custodied in your own name — at a threshold well below where private banks begin.
There is a gap in this market between a robo-advisor and a private bank, and a lot of people sit in it. You have outgrown a model portfolio picked from three risk buckets, but you are nowhere near the seven-figure door most private banks put on a relationship. Priority exists for that position: the advisory relationship, the planning, and the custody arrangement are the same ones Vault's larger clients get — the difference is what sits on top at the higher tiers, not what is missing here.
Who is Priority actually for?
Someone with USD 100,000 or more in liquid investable assets whose situation has stopped being simple. Usually that means more than one currency, assets in more than one country, and a set of commitments with real dates attached — a retirement figure, school and university fees, a property purchase, something to pass on.
The test is not the balance, it is whether a model portfolio can answer your questions. If your position is a single currency, a single country and a single goal, a robo-advisor is genuinely the better economic choice and we will say so. If any part of it is cross-border — a UK domicile that survived the move, US-person reporting obligations, a business that dominates your balance sheet — an algorithm has no view on that. A person does.
What does the advisor relationship look like at this level?
A named advisor from the first conversation, not a call centre and not a queue. They build the plan, they review it with you at least annually and whenever your circumstances change, and you can reach them directly in between.
The division of labour matters: the platform handles aggregation, reporting and portfolio construction, which is the work a relationship manager at a bank would otherwise do by hand and charge you for. Your advisor spends their time on judgement — what the plan should say, what to do when markets move, and which decisions are worth taking slowly.
How is this different from a robo-advisor?
On headline fee, a robo-advisor is cheaper, and it will stay cheaper. That is the honest starting point. What it buys you is an algorithmic allocation to a model portfolio, rebalanced on a schedule, with support rather than advice.
What Priority adds is a person and a plan. The portfolio is built around commitments with dates on them rather than a risk score, you can hold a custom allocation rather than pick from a shelf, and when something changes — a job, a move, a liquidity event — there is somebody whose job is to tell you what it means. We compare ourselves directly against Sarwa and StashAway, including where they win.
Where do my assets actually sit?
In an account at Interactive Brokers, in your own name, segregated from Vault's balance sheet. Vault never takes possession of client funds — we are authorised to advise and to arrange dealing, not to hold your capital.
The practical consequence is portability. Because the account belongs to you, ending the relationship with Vault does not mean liquidating a portfolio or negotiating an exit: the holdings stay where they are, in your name, with the custodian. There is no exit fee for the same reason — there is nothing to exit from. Going direct to IBKR is a legitimate alternative and we set out that comparison too.
What happens as the portfolio grows?
The rate falls, and two things get added rather than swapped. At USD 1 million, Private adds a dedicated senior advisor and access to private-market investments. At USD 5 million, Family Office adds curated investor policy statements and multi-entity structuring.
Nothing in the list below is withdrawn at the higher tiers — the ladder is additive. And because the fee schedule is marginal, moving up a band only changes the rate on the portion of the balance inside it, not on the whole account.
What Priority includes
- Dedicated Wealth Advisor
- Multi-Goal Financial Planning
- Portfolio Live Reporting
- Low FX Margins
- Consolidated Portfolio Structuring
- Access to Expert and Custom Portfolios
- Assets Custodied with Interactive Brokers
What Priority costs
This tier covers balances of $100K - $1M. Vault's fee schedule is tiered and marginal — each band applies only to the portion of the balance inside it — so the effective rate across this tier runs from 1.25% at $100,000 down to 0.78% at $1 million. The full table, including what is not charged, is at /fees/.
Compare Benefits
Priority
$100K - $1M
Private
$1M - $5M
Family Office
$5M+
Dedicated Wealth Advisor
Multi-Goal Financial Planning
Portfolio Live Reporting
Low FX Margins
Consolidated Portfolio Structuring
Access to Expert and Custom Portfolios
Assets Custodied with Interactive Brokers
Dedicated Senior Advisor
Private Market Investments
Curated Investor Policy Statements
Multi-Entity Financial Structuring
Dedicated Wealth Advisor
Multi-Goal Financial Planning
Portfolio Live Reporting
Low FX Margins
Consolidated Portfolio Structuring
Access to Expert and Custom Portfolios
Assets Custodied with Interactive Brokers
Dedicated Senior Advisor
Private Market Investments
Curated Investor Policy Statements
Multi-Entity Financial Structuring
Testimonials
Trust, earned over time
Reliable people with deep expertise and a real can-do attitude. It's a privilege to work with you.
Fouad BenghalemEx SVP, MENA — GSK
I'm hands-on with my wealth and investment portfolio. The Vault team worked with me as a partner to implement a Dalio-style 'All Weather' structure. Overall, I see Vault as a long-term wealth partner.
Early EmployeeRevolut
Vault's digital but still personal approach is what we appreciate most. Money matters are sensitive, and their transparency builds trust quickly.
Semuel OerlemansSenior Marketing Manager — Tabby
Finally, professionals who actually listen. Vault's depth of options builds a level of trust I never found at private banks — my family has a real partner now.
Salman KazmiArea Director, MENAT — BMC
Hicham brought clarity and structure to my investments I'd never had before. Responsive, thoughtful, and genuinely focused on long-term wealth rather than short-term moves.
Nada EnanHead of Comms, MENA — Meta
Frequently asked questions
USD 100,000 in liquid investable assets. Liquid is the operative word — the threshold is about investable capital, not total net worth, so property and business equity sit outside it.
A named, dedicated wealth advisor from the first conversation. Clients at the higher tiers work with a dedicated senior advisor, but nobody at Vault is routed to a call centre or a chatbot for advice.
No. Robo-advisors charge less and will continue to, because they do less — an algorithmic allocation to a model portfolio without a person attached. If your situation genuinely fits a model portfolio, that is the better economic choice. Priority is for positions where it does not.
Yes, and it happens automatically as the relationship balance crosses each threshold. Tiers are cumulative, so nothing is taken away — Private and Family Office add capabilities on top of everything listed here.
It is a full mapping of your current position against your goals, and it is complimentary. The management fee applies only once you choose to invest, so you can see what a plan would say before committing anything.
See what a plan would say first
Book a complimentary session with a Vault advisor. We will map your current position, set out what a plan would cover, and be specific about cost before you commit to anything.