Financial Adviser and Investment Negligence Loss Expert
Independent expert evidence on financial loss from negligent financial advice, unsuitable investments, pension transfers, and discretionary management failures. We reconstruct portfolios and model counterfactual returns.
What This Service Covers
- Loss from unsuitable investment recommendations, pension transfer advice (including BSPS and similar cases), insurance mis-selling, mortgage advice negligence, and discretionary investment management failures.
- Investment loss (actual vs benchmark), lost pension growth, surrender value losses, tax charge losses, and consequential financial impact.
- Counterfactual portfolio modelling: what returns would a suitable investment have achieved?
When You Need This
- Financial Ombudsman, FCA, arbitration, or court proceedings involving negligent financial advice.
- Pension transfer and investment suitability disputes requiring independent loss quantification.
- Insurer or defendant instructions to assess claimant quantum on investment negligence claims.
Our Approach
- Portfolio reconstruction from transaction and valuation records.
- Counterfactual modelling of suitable alternative investments or advice.
- Loss of return and tax impact quantification.
- CPR Part 35 compliant expert report with disclosed benchmarks and assumptions.
Counterfactual Portfolio Analysis
Investment negligence loss is typically quantified by comparing the actual portfolio or product performance with a counterfactual suitable alternative. The expert reconstructs transactions, identifies suitable benchmark or model portfolio returns, and calculates the difference net of tax where relevant.
Methodology and benchmark selection are disclosed in the CPR Part 35 report so that the court and opposing experts can scrutinise the assumptions.
CPR Part 35 Compliance
Expert reports set out portfolio reconstruction methodology, benchmark selection, and counterfactual assumptions in line with CPR Part 35 requirements.
Under CPR Part 35 and Practice Direction 35, the expert's duty is to the court. Reports must state qualifications, instructions, facts, assumptions, methodology, opinion, conclusions, and contain a statement of truth. Where proceedings are in the family court, FPR Part 25 applies to expert evidence.
Frequently asked questions
- How is investment loss calculated in IFA negligence claims?
- The expert reconstructs the actual portfolio or product performance and compares it with a counterfactual suitable investment or benchmark. The difference, adjusted for tax and charges where relevant, represents the quantified loss subject to causation and mitigation arguments.
Related Services
Instruct a negligence loss expert witness for your case, or contact us in confidence to discuss requirements.
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