There is a number your statement will never show you. In sixty seconds, see it.
Your Portfolio Amount
$
Rotate your phone - the vault opens wider
Series EX - No. 8801
The Examination
There is a number your statement will never show you.
Ledger Questions
Ledger Questions
The answer waits inside
Your Portfolio Exposure
$26,096
Hidden Fees
Expense Ratio: 0.04%
→
True Cost: 1.04%
1Where your money is leaking
Management Fees
$25,000
high
Vanguard S&P 500 ETF
$303
low
iShares Core U.S. Aggregate Bond ETF
$255
low
Fidelity Extended Market Index Fund
$255
low
JPMorgan Ultra-Short Income ETF
$266
low
Cash / Money Market
$16
low
Keepmore Co. / Series EX · No. 0001Examining
IWhat you currently hold
Examined so far · $2,499,999
Choose a fund and its expense ratio fills itself in. For anything not listed — including a single stock — choose “enter your own.” Every line settles into the same three columns: the holding, the amount, and its yearly fee.
$
Vanguard S&P 500 ETF · $1,010,638 at 0.03%costs $303/yr
$
iShares Core U.S. Aggregate Bond ETF · $638,298 at 0.04%costs $255/yr
$
Fidelity Extended Market Index Fund · $425,532 at 0.06%costs $255/yr
$
JPMorgan Ultra-Short Income ETF · $265,957 at 0.10%costs $266/yr
$
Cash / Money Market · $159,574 at 0.01%costs $16/yr
IIWhat it costs to be advised
This is the layer a statement hides most completely. If no advisor or firm manages this money, leave it as none.
The Verdict
The visible fee is $26,096.
The hidden cost can be $2,949,270.
One number leaves this year. The other is the projected 25-year difference after lost compounding — at a hypothetical 7%, for illustration. Every assumption stays editable.
What the examination found
What you keep
$10,619,306
your balance after this fee, over 25 years
What the fee takes
$2,949,270
the same dollars, had the fee never been charged
Annual cost found$26,096 / yr
If total fee falls to 0.68%$950,179 restored
Illustrative, not a promise — the point is to see the trade-off.
Examined over25 years
The wealth path · 25 years7% gross return · 1.04% total fee
What you keepWithout the feeThe wealth gap
Move the fee. Watch the future move.
Drag your total fee down to a fairer level and see how much future value returns to your side of the ledger.
Current total fee · 1.04%Target · 0.68%
If your total fee fell to 0.68%, this much future value returns to your path:
$950,179
The figure, line by line
Vanguard S&P 500 ETF$1,010,638 at a 0.03% expense ratio
$303 / yr
iShares Core U.S. Aggregate Bond ETF$638,298 at a 0.04% expense ratio
$255 / yr
Fidelity Extended Market Index Fund$425,532 at a 0.06% expense ratio
$255 / yr
JPMorgan Ultra-Short Income ETF$265,957 at a 0.10% expense ratio
$266 / yr
Cash / Money Market$159,574 at a 0.01% expense ratio
$16 / yr
Managed fee$2,499,999 balance at a 1.00% managed fee
$25,000 / yr
Total annual cost
$26,096 / yr
The cost is never only the fee. Kept and left to compound, this $26,096 a year becomes roughly $1,766,067 over 25 years — at a hypothetical 7% return, for illustration. That is what a fairer fee gives back.
This is an examination of figures you have entered, not a statement of account and not advice. Growth is shown at a hypothetical 7% for illustration only; past performance does not guarantee future results. Fund expense ratios are drawn from a reference list or supplied by you; the managed fee is the figure you entered above. A real account may also carry wrap fees, trading costs, and other charges this tool does not capture — meaning the true cost is often higher than what is shown here.
An examination of record
Prepared by The KeepMore Company · thekeepmoreco.com
Your examination · 25-year horizon
Left as-is, this fee quietly takes about $2,949,270 from what you keep.
That is no longer a hunch — it is evidence, line by line. Bring this file into your next advisor conversation, or have KeepMore examine it with you and work to bring the fee down. A first call costs nothing, and if your fee is already fair, we will tell you that too.
