Mr & Mrs D Okonjo
Twelve years of a household in one place: every wrapper, every policy, every fee taken, and every review that was and was not delivered.
Funds under advice
£412,000
three wrappers
Ongoing fee
£2,884 p.a.
0.70% · paid monthly
Last review
Mar 2024
26 months ago
Client since
2014
12 years
Everything about this household is here except the thing they were charged for. The mortgage was
placed, the protection was written, the fee has been collected every month since November 2024 — and the annual
review that fee pays for has not happened since March that year.
What they hold
Across every line the firm advises on
| Product | Provider | Value | Adviser | Fee | Status |
|---|---|---|---|---|---|
| Pension — SIPP | Aviva | £286,400 | J Rennard | 0.70% | Active |
| ISA | Quilter | £84,200 | J Rennard | 0.70% | Active |
| General investment account | Quilter | £41,400 | J Rennard | 0.70% | Active |
| Residential mortgage | Northbank | £212,000 | C Ellwood | — | Fixed to Mar 2028 |
| Life & critical illness | Royal London | £310,000 cover | T Oyelaran | — | Not reviewed since 2021 |
One household, four providers, three advisers — and until this screen, three separate systems.
Timeline
What happened, and what did not
| Date | Event | Who | Detail |
|---|---|---|---|
| 14 Mar 2024 | Annual review | J Rennard | Recorded, suitability letter issued |
| 09 Aug 2024 | Mortgage completed | C Ellwood | £212,000 · 5-yr fix |
| 22 Nov 2024 | Fee taken | System | £2,884 ongoing, first of 26 months |
| — | Annual review due Mar 2025 | Unassigned | Never happened |
| 15 Sep 2026 | Flagged by ongoing service | System | 26 months, £6,248 of fees taken since |