How it works
Technology and AI handle the routine. I spend my time on you.
I use modern planning software and AI workflows for the parts of the job that are repeatable. That keeps the cost low and the time spent with clients high.
We use published asset allocation models from firms like Fidelity, Schwab, Goldman Sachs, Morgan Stanley, and Vanguard, then tune them to your risk tolerance. We pick low-cost or zero-cost ETFs or mutual funds, and you place the trades (we make it very simple).
Your inputs
- Portfolio: $1,000,000
- Years: 20
- Growth: 8.0%
- Advisory fee: 1.0%
- Fund expenses: 0.0%
- Total annual fee load: 1.0%
Projected savings
$788,306
Hypothetical savings over 20 years moving from the 1.0% AUM model to Smarter Way Wealth’s $100/mo flat fee. Illustrative only.
Why it matters
Compounding cuts both ways. Every dollar not paid in fees keeps compounding for you. Over 20 or 30 years the difference is not small.
One plan, one set of numbers
The fee math you see on the calculator, the proof on /save, and the projection on this page all come from the same engine. Adjust the inputs once and the numbers stay consistent everywhere.
Shareable, replayable links
Every calculator state lives in the URL. Bookmark it, share it, send it to your spouse before our next meeting. The math will replay with your exact inputs.
Try it
A guided walkthrough of fund substitution.
Pick a goal, pick an allocation, and see how swapping a high-cost fund for a lower-cost equivalent changes the math.
Portfolio Architecture Process
Current Allocation
Based on external statements
Step 1: Benchmark Analysis
We start by digitizing your current holdings from Fidelity, Schwab, or others.
Why do we start with my existing portfolio?
We need a baseline to understand your current exposures. Often, clients hold 'closet index funds'—expensive funds that mimic the market but charge 10x the price.
Next step