How Much Are You Really Paying Your Financial Advisor? 

Use this 60-second calculator to find out if 1% fees are eating your retirement.

Most financial advisors charge a percentage of your portfolio
Known as an “Assets Under Management” (AUM) fee. It sounds small—usually between 0.25% and 1%—but it quietly compounds year after year, eating into your long-term wealth. You’re making great money. But if you’re still paying a percentage of your portfolio in advisor fees, it could be quietly draining hundreds of thousands from your future.  
This free calculator shows:

Exactly how much that 1% is costing you long-term

What a flat-fee alternative could save you

Why most doctors overpay—and don’t even know it

Use our 60-second calculator to find out.

Most high-income doctors are paying way more than they realize. 
This tool gives you a clear answer—fast. 
One Small % = One Big Problem

1% AUM Model

Grows with your portfolio—even if you get no extra value

$500K+ lost to fees over your career

You’re often unsure what you’re paying for

Feels “normal,” but leaves you guessing

Flat-Fee Model (RFL)

One transparent price, no matter your portfolio size

Save that money and redirect it toward your future

Every dollar is working for you, not your advisor

Strategic, physician-specific planning built around you

The Long-Term Cost of AUM Fees

Let’s say you start with a $500,000 portfolio earning a 7% annual return: 

With a 1% AUM fee, you’d grow to $2.15 million after 25 years. Without that fee, you could reach $2.71 million—a $560,000 difference. 

That’s more than your entire starting investment, gone to fees. 

AUM fees don’t just reduce your return once—they shrink the base your future returns compound on. Over time, that compounds against you.

Why Flat-Fee Planning Puts You Ahead 
Choosing a flat-fee advisor like RFL Wealth gives you three key advantages: 

Transparency

You know exactly what you’re paying, with no surprises

Aligned Interests

We’re not paid based on how much money you move or invest

Full Growth Power

Every dollar stays invested and working for you

No percentage cuts. No vague costs. Just strategic planning with clarity and control.

Schedule Your Free Consult

Or try our free calculator to see how much you’re losing to fees right now.

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