The Quiet Loss Checklist
Sixteen questions that reveal whether fees, structures, and assumptions are quietly reducing what you keep. No login. No download gate to start. Just answers.
Most quiet losses are not dramatic. They are the slow ones — a fee that was never stated in dollars, a structure no one walked you through, an assumption you were never asked to confirm.
Answer honestly. Yes means it is clearly true and you have seen the proof. Partly means it is fuzzy or you are not sure. No means it is not true, or you have never been shown. Your running score appears as you go.
| Annual fee drag | On $1,000,000 invested | Cost over 20 years* |
|---|---|---|
| 0.50% | A "low" advisory fee | $209,000 |
| 1.00% | The industry-standard fee | $396,000 |
| 2.00% | Fee + fund + product layers | $709,000 |
Can you handle this yourself?
For many people, the honest answer is partly. You can request your fee schedule in writing, ask for total annual cost stated in dollars, and ask your advisor to walk you through every layer — advisory fee, fund expense ratio, product cost, and any third-party platform fee.
Where it gets harder is benchmarking what you found against what is fair, and negotiating from a position of evidence. That is the part we built The KeepMore Company to do — examine, benchmark, and help you negotiate what you keep. No products. No custody. No trades.