Impact of Fees On Portfolio Growth Over The Long-Term      
  Current Age Mkt Return Inflation Real Return    
                   
 
    Firm A Costs (Default DIY)   Firm B Costs (Default "Free Advisor" Mutual Funds)    
    %AUM Advisor Fee   %AUM Advisor Fee    
    Fees for funds used   Fees for funds used    
    Behavioural Gap Cost   Behavioural Gap Cost    
    Advisor Value-Add   Advisor Value-Add    
    Net Cost Per Year   Net Cost Per Year    
    Average Annual Net Real Return   Average Annual Net Return    
                     
    Scenario A Scenario B  
Age Contribution New Contributions (Withdrawals) Firm A vs B Fee-Only Consult New Contributions (Withdrawals) Firm A vs B Fee-Only Consult  
(Withdrawal) Adjust Firm A Firm B Cost /5yr Interval Adjust Firm A Firm B Cost /5yr Interval  
 
 
 
 
 
 
 
 
 
 
 
 
                     
Portfolio Value Cumulative Fee & Behavioral Cost  
         
     
                       
Portfolio Value Over Time Cumulative Fee & Behavioral Cost Over Time  
Age Age  
Scenario A Scenario A  
Scenario B Scenario B  
Difference Difference  
                     
This calculator is for illustrative and entertainment purposes only. It ignores taxes which could decrease portfolio values substantially. Values are in "current dollars". When switching firms, it just changes moving forward (doesn't transfer existing assets). Withdrawals come from the lower return firm first.