Interactive Calculator

What is your advisor really costing you?

See how advisor fee structures affect your ending wealth over time — and how much more you keep with a flat-fee model.

Portfolio assumptions

Starting portfolio value

$500,000

Annual contributions

$0 / yr

Annual withdrawals

$0 / yr

Assumed annual return (gross)

8.0%

Holding period

20 years

Advisor fee structures

AUM advisor

Annual fee (% of assets)

% per year on total balance

Flat fee advisor

Annual flat fee ($)

fixed dollars per year

Annual fee growth rate (%)

Nectarine

Quarterly fee ($)

$4,800 / yr

Annual fee growth rate (%)

AUM advisor Flat fee advisor Nectarine

End-of-period snapshot

AUM advisor — ending balance

—

—

Flat fee advisor — ending balance

—

—

Nectarine — ending balance

—

—

What you keep with Nectarine

vs. AUM advisor

—

more in your portfolio at end of period

vs. flat fee advisor

—

more in your portfolio at end of period

For illustrative purposes only. This calculator compares hypothetical fee structures and does not account for taxes, investment expenses, inflation, or the value of financial advice. Actual results will vary. Past performance is not indicative of future results. Nectarine Financial advisors are fee-only and do not earn commissions. hellonectarine.com