Are You Paying More for Financial Advice Simply Because Your Portfolio Grew?
If your advisor charges a percentage of the assets they manage, the dollar amount of your fee can rise as your portfolio rises. The question isn’t whether good advice has value. It’s whether what you’re paying still matches the advice and work you’re receiving.
See What You’re Really PayingComplimentary conversation • No obligation • Designed for investors with $1M+ in investable assets
1% Sounds Small. Until You Put It in Dollars.
Assuming a 1% annual advisory fee, the dollar amount can become meaningful as your portfolio grows.
Illustrative only. Actual advisory fees, services and billing methods vary.
Your Portfolio Grew. Did the Work Increase at the Same Rate?
If a $5 million portfolio grows to $6 million, a 1% fee could move from $50,000 to $60,000. That’s a 20% increase in the fee. Did the amount of work required to advise you increase 20% too?
That’s not an argument against financial advice. It’s a reason to understand how you’re paying for it.
More Than Investment Management
Portfolio construction, risk and ongoing management.
Turning accumulated assets into an income strategy.
Looking beyond returns to what you ultimately keep.
Coordinating major choices instead of treating them individually.
Helping the pieces of the financial plan work together.
There Is More Than One Way to Pay for Financial Advice.
A percentage-of-assets relationship isn’t the only available structure. For some investors, a defined annual or retainer-style planning fee may deserve consideration. For others, their current arrangement may be appropriate.
The first step is simply knowing the numbers.
The goal isn’t simply to pay less.
It’s to understand what you’re paying, what you’re receiving, and whether the relationship still makes sense for your needs today.
Find Out What You’re Really Paying
Schedule a complimentary conversation with Aaron. Review your current fee, the services you’re receiving, how the fee changes as your assets grow, and whether another structure deserves consideration.