Compare the long-term cost of different advisor fee structures
Selecting a wealth advisor is one of the most consequential decisions you'll make after your exit. The fees you pay compound dramatically over decades, directly reducing the wealth available for your lifestyle. This calculator reveals the true long-term cost of different advisor fee structures, helping you make an informed choice.
Whether you're comparing a 1% AUM fee, a flat retainer, or a commission-based advisor, understanding how these costs compound on your exit proceeds is critical. This tool models the gap between investing with and without advisor fees, showing you exactly what you're paying for the advice and services.
The fee difference costs you $286,000 over 20 years — that's the difference between ending with $3,847,000 (fee-only) vs $3,551,000 (commission-based).
| Year | Fee-Only Value | Comm-Based Value | Fee Difference |
|---|---|---|---|
| 1 | $2,100,000 | $2,050,000 | $50,000 |