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
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.
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
Who does RFL Wealth serve?
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What services does RFL Wealth offer?
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What makes RFL Wealth different from traditional financial advisors?
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How does the flat-fee model work?
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Do I need to have a certain amount of assets to work with RFL Wealth?
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How do I get started with RFL Wealth?
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I’m interested in accounting services, what’s included in each package?
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What does and FLP look like?
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Do I need to transfer my funds over to work with RFL Wealth?
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Or try our free calculator to see how much you’re losing to fees right now.