Fee Comparison

Compare different fee structures

Advisory firms use a variety of fee structures. This calculator is a hypothetical illustration comparing a flat annual fee with an asset-based fee, using assumptions you control.

Your numbers

How many more years you’ll keep contributing. Contributions stop after this point (often at retirement).
Total years the money stays invested — through your life expectancy. After retirement you remain invested but stop adding contributions. (Can’t be less than years until retirement.)
Starting fee. Assumed to increase 3% per year for inflation (a hypothetical assumption, not AFP’s stated fee schedule).
Hypothetical difference in your final balance over 25 years
$0
Illustrative difference based only on the fee assumptions selected.

Estimates only — a hypothetical illustration based on the assumptions you set, not a guarantee of future results. See full disclosures below.

Assumptions: the annual contribution is held constant, the flat fee is assumed to increase 3% per year, and the asset-based (AUM) fee varies with the account balance. Adjust any input to reflect your own situation.

Total fees — percentage-of-assets (AUM) fee$0
Total fees — flat annual fee (like AFP’s)$0
$0
Final balance — percentage (AUM) fee
$0
Final balance — flat fee
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Understanding fee structures

Some firms charge a percentage of assets under management, while others charge fixed fees. Each approach has advantages and may be appropriate depending on your circumstances, service needs, and preferences.

This calculator compares the impact of those fee structures using hypothetical assumptions selected by you. It does not compare investment performance, quality of advice, or the scope of services provided.

Important: This calculator is a hypothetical illustration for educational purposes only and should not be interpreted as a prediction or guarantee of future results. It assumes constant returns and fees, which do not reflect actual market conditions or advisory relationships. The illustration compares fee structures only and does not account for differences in services, investment performance, taxes, or underlying investment expenses. Actual fees and services vary by firm and client circumstances. It also assumes the portfolio stays fully invested with no withdrawals, and does not reflect spending down the portfolio in retirement; in practice, withdrawals reduce the balance over time, and an asset-based (AUM) fee — charged as a percentage of the balance — would decline as the balance decreases. The flat fee is assumed to increase 3% per year for inflation — a hypothetical assumption for this illustration, not Action Financial Planning’s stated fee schedule, which is set in your written agreement and Form ADV. Action Financial Planning’s fees are described in its Form ADV Part 2A, and your fee is confirmed in your written agreement.