Portfolio Construction
Suitable asset allocation using broadly diversified mutual funds/ETFs
>0*
Cost-effective implementation (expense ratios)
0.34%
Asset location
0-0.75%
Total-return versus income investing
>0*
Wealth Management
Rebalancing
0.26%
Spending strategy
0-1.10%
Behavioral Coaching
Advisor guidance
1.50%
Range of potential value added
about 3% in net returns
*Value is significant but too unique to each investor to quantify