The Drain Test

This is not a story about compounding.
It is a story about what you were put in.

Dollar-cost averaging is simple: the same dollars in, every month, regardless of price. The result is decided not by you — but by what you were told to buy. A broad index fund and a 3× inverse leveraged ETF hand back two very different outcomes for the exact same monthly contribution. One compounds. One drains.

If your advisor never sat down and showed you the difference between these — using your real dollars, on your real calendar — then it is fair to ask what else they have not shown you. Including every fee they charge.

Run the test.

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If no one has shown you this — what else have they not shown you?

You've now seen both drains: the fee, and what you were placed in. Most people are losing to both and have seen neither in dollars. That's exactly what a confidential fee review fixes — both drains on one page, with a number next to what we can negotiate back.