Our 5-star shortlist is deliberately small. Volume of hype is not a substitute for quality. We publish the rating distribution so you see how consistent an advisor is, not just the headline average. If a reading under-delivers, use the published refund path — that is what separates a real roster from a directory. Verification covers identity, tool specialisation, and active client feedback — re-checked monthly. The roster below is deliberately short — we prefer a clean shortlist to a bloated directory.