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Review summary

Ardan International

Ardan International is an Isle of Man based independent wealth platform, that focuses on selling service to advisers rather than end clients. 

The platform allows for a wide range of investments through a single point of access.

Ardan International claims that their proposition has been developed with a number of cornerstones:

  • Control: To provide advisers with greater control in their business.
  • Choice: To provide a wide range of fund choice to give advisers the ability to design solutions to meet their client needs and expectations. 
  • Value: To deliver a competitive pricing structure.
  • Tailoring: A bespoke branding service that creates a “personal and enhanced experience” for advisers’ clients.
Customer Reviews
Expert Verdict

Ardan International started life in 2013, when it was named Acordias and backed by venture capital funding.

It took its name from a UK start-up also named Acordias, but which experienced some regulatory exigencies.    In 2014, the business – which was already established by this time on the Isle of Man – was acquired by UK wealth manager and stockbroker Rowan Dartington for an undisclosed amount. 

A few months later, it was rebranded as “Ardan”, which means “platform” in Manx.

Both Ardan and Rowan Dartington were then bought by St. James’s Place Wealth Management Group.

In November 2016, it was announced that Ardan International had subsequently been purchased by RL360, a life insurance company in the Isle of Man. 

Ardan International are licensed by the Isle of Man Financial Services Authority (“FSA”) to arrange deals and provide custody to client assets.  Client assets and money are segregated to protect them.

The Isle of Man is a politically stable, financially strong, independent and well-respected international finance centre, with excellent trade links with the UK, EU and OECD member countries.  

It operates to the highest level of regulatory standards.

The Isle of Man has an Aa1 rating from Moody’s, and has been recognised by the International Monetary Fund as a well-regulated offshore financial centre of excellence. 

Ardan International has partnered with All Funds Bank to deliver access to a range of funds and other investments, and claim to be able to access over 80,000 funds, ETFs, stocks and bonds from around the world, in addition to structured notes.

Multi-currency options include USD, EUR, GBP, CHF, JPY, SGD, HKD, AUD, AED, CAD, and ZAR.

Valuations are available online and, as is the benchmark for investment platforms of its type, so is a consolidated view of all investment wrappers.

Available investments include equities, ETFs, structured products, mainstream, alternative and thematic funds.

Full charges are not published on Ardan’s website, although custody is 0.4% pa.


The Pros

> Strong owner with RL360
> Lower cost
> Accessible for small investments

The Cons

> Checkered ownership history
> May have hidden commission built on
> Lack of transparency
How is my money protected if I choose Ardan?

Protection of client Money

Ardan International protects clients’ money by using segregated accounts across a range of major banks.

Segregated client money is held entirely separate from Ardan International’s operating accounts and is held in the client’s name.

In the unlikely event of default then the client funds will be returned to the clients rather than being treated as a recoverable asset by general creditors of Ardan International.

The money is ‘ring-fenced’ in separate bank accounts which are held in trust with the clients as the beneficiaries, and is not mixed with Ardan International’s own funds.

Funds transferred from an individual client to Ardan International will be received directly into a segregated client money bank account with one of our selected major banking institutions.

Protection of client assets

Ardan International as Global Custodian is responsible for safeguarding assets and as such takes all reasonable steps for the prevention and detection of fraud, error or non-compliance of any applicable laws and regulations. Ardan International has no responsibility for the selection or valuation of any investment.

There is a legal separation of all Client assets held under custody by Ardan International and Ardan International will ensure that the entitlement of clients to such assets is assured. Ardan International may appoint any institution to act as its sub-custodian that is duly authorised and regulated to act in such capacity.

In order to discharge its responsibility as Global Custodian, Ardan International will exercise care and diligence in choosing and appointing any third party as a sub-custodian or safe-keeping agent so as to ensure that the third party has and maintains the expertise, competence and standing appropriate to discharge the responsibilities concerned.

Ardan International will maintain an appropriate level of supervision over the sub-custodian and will make appropriate enquiries from time to time to confirm that their obligations continue to be competently discharged.

What is a wealth platform from Ardan?

It is an online service that brings all your investments together in a simple and supposedly transparent manner, enabling holistic wealth management.

Rather than trying to track your investments across various institutions and organisations, each with their own dealing processes, paperwork and charging structures, you and your adviser can manage your investments in one place. Ardan says, about its wealth platform: "[it] puts you and your adviser in control of your investments."

What are the main benefits of choosing Ardan 's platform?

The service will match the way you and your adviser want to manage your investments

● The service enables your adviser to make informed investment decisions based on their understanding of your personal financial plans.

● Access to over 80,000 funds, ETFs, stocks and bonds from around the world in addiঞ on to structured notes.

● Multi-currency options (USD, EUR, GBP, CHF, JPY, SGD, HKD, AUD, AED, CAD, ZAR).

● Trading is seamless using Ardan's tried and tested technology apparently.

● Online access to your portfolio with analysis tools.

● Provides access to third party model portfolio expertise.

Wish I hadn't bothered

I thought this idea from Ardan was the solution to all the problems I never knew I had! At least, that's what my IFA told me. Turns out I really didn't have any problems til I wrapped everything up with Ardan and now I don't feel at all in control of fees and charges being taken left right and centre.

Expert Assessment of Ardan International

We don’t trust platforms that have advisers as their clients. 

We don’t trust websites that don’t have their charges laid out clearly. 

We don’t think the charges and service are competitive, nor is the story compelling, and we think Ardan’s international licensing and distribution leaves a lot to be desired.

We do not recommend clients use this platform.

If you are an existing investor with Ardan International, we recommend you get a X-Ray Review™ conducted to find out the charges you’re really paying, the access and terms applicable, and what better alternatives exist for your wealth.


Ardan International Brochure For Professional Advisers

Ardan International Brochure For International Investors

Ardan International Complaint Handling Procedure

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