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
Strategic, physician-specific planning built around you
Every dollar is working for you, not your advisor
The Long-Term Cost of AUM Fees
This Call Is For You If…
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
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
More Wealth Shouldn’t Mean More Fees
The more you accumulate, the more you lose to AUM fees.
Our clients keep more of what they earn—by choosing a smarter, simpler pricing model from the start.
With RFL Wealth, you pay a flat fee.
No hidden costs. No product commissions. No percentage skims.
Fiduciary Advice You Can Trust
We are a flat-fee, fiduciary financial planning firm. That means our only obligation is to act in your best interest—always.
You don’t need to move your investments to work with us. We’ll provide full, coordinated guidance across all your accounts and planning needs—taxes, investments, insurance, and more.
Ready for Smarter Wealth Management?
We specialize in financial planning for physicians in Canada.
If you’re ready to keep more of your money, reduce inefficiencies, and make confident financial decisions—let’s talk.
Frequently Asked Questions
We provide comprehensive, flat-fee financial planning tailored for internationally trained doctors in Canada. Our services span seven key areas:
- Investing — 0% AUM advisory, portfolio analysis, and tax-efficient strategies
- Taxes & MPC — Corporate and personal tax planning, filing, and structuring
- Retirement — Financial Life Plans, income analysis, and long-term investment guidance
- Insurance — Risk assessment, coverage strategy, and group benefit planning
- Real Estate — Property performance reviews and ownership structuring
- Legacy — Education funding, lifestyle planning, and family support strategies
- Estate Planning — Wills, trusts, charitable giving, and intergenerational planning
Services are offered through three transparent flat-fee tiers — Premium, Platinum, and Titanium — depending on the level of complexity and support you need.
We specialize in working exclusively with internationally trained physicians and dentists practicing in Canada. Our deep understanding of the unique financial challenges and opportunities faced by medical professionals who have immigrated to Canada allows us to provide tailored advice that aligns with your career trajectory and personal goals.
Unlike many traditional advisors who may earn commissions or charge percentage-based fees, RFL Wealth operates on a flat-fee, fiduciary model. This means our only incentive is to act in your best interest, providing unbiased advice without any hidden agendas or product-pushing.
Our flat-fee structure means you pay a predetermined fee for our services, regardless of your asset size. This approach eliminates conflicts of interest and ensures that our advice is solely focused on helping you achieve your financial goals.
No. We believe that quality financial advice should be accessible to all medical professionals, regardless of their current asset level. Our services are designed to provide value at every stage of your financial journey.
Simply book a free strategy call with us. During this initial conversation, we’ll discuss your financial goals, assess your current situation, and outline how our services can support your path to financial freedom.
All of our tiers include seamless communication with your advisor and accountant, strategic tax planning, and guidance on tax loss harvesting.
From there, your accounting support expands based on your package:
- Platinum Tier includes filing for 2 personal returns, 2 corporate returns, bookkeeping, up to 3 investment properties, and 3 T5s — with review of previous year filings.
- Titanium Tier covers everything in Platinum, plus filing for additional corporations and T5s, support for up to 5 properties, and complex real estate, trust, and estate coordination.
You get physician-specific tax advice and filing support — without chasing multiple professionals or worrying about what’s been missed.
You don’t need to move any of your money over to get started with RFL Wealth Management planning services but with 0% AUM fees for our advisory services – its not a bad idea.