CLARITY BEFORE COMMITMENT
Make the Numbers Easier to Question.
Explore useful illustrations and prepare for a professional conversation. No account connection or email required.
THE COST OF A PERCENTAGE
Compare Recurring Fees.
Hold the gross return constant to isolate two annual fee assumptions.
First-year fee illustration: A $625; B $2,500. Model: balance × (1 + gross return − fee) raised to the number of years. No contributions, taxes, tiers or other costs. Constant returns are hypothetical; this is not a forecast.
TWO USEFUL STARTING POINTS
Put Concentration and Cash in Perspective.
Use estimates. These figures stay in your browser and are not included in an inquiry.
Exposure ÷ portfolio value; accessible cash ÷ monthly essential spending. This does not look through fund holdings, assess suitability or prescribe a target cash reserve. Consider employer stock, fund overlap, taxes and cash restrictions in a professional review.
YOUR CONVERSATION STARTER
Build Your Review Checklist.
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- Recent statements with account numbers removed
- Fund names or ticker symbols
- Upcoming withdrawals and major goals
A FRESH SET OF QUESTIONS
Let’s Take Another Look at Your Financial Life.
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