What can a 1% advisory fee cost over time?
Compare a fee based on account size with a lower-cost choice. See the fees and the growth those fees may have earned.
How much of the ending balance is assigned to advice?
Move one slider at a time. The numbers and picture update together.
The difference is cost, not proof that either service creates more or less value.
Uses a constant annual return net of the selected fee. It does not include taxes, deposits, withdrawals, fund expenses, or any value created by advice.
A percentage becomes a growing annual bill
A fee based on account size often grows as the account grows. Money paid in fees also stops earning money for you.
Use the lab to see the cost. Then list the planning, access, and investment work you get. A clear price makes value easier to judge.
Compare service models, not slogans
A lower percent may include less work. One flat fee may feel high for a small account and low for a large one. Hourly help may fit people who do not want full-time account management.
The lab leaves out fund costs, trading, taxes, and other experts. Ask every provider for the full yearly cost in dollars.
Verify before you act
These official resources provide background for the concepts in this illustration: