A basis point sounds like nothing. Run yours through fifty years of compounding and see what nothing actually costs.
Three numbers decide the rest. Move the sliders. The math is plain — what one basis point removed, year after year, becomes when compounding is allowed to finish its work.
That was the theory — your basis point, your years, compounded. Next comes the proof. The Compounding Test runs the same shape against a real 1% fee on real index data since 1993. Then The Drain Test makes it personal: what the holdings you were placed in actually did to the same dollars. Three questions, one answer — how much are you keeping, and how much is someone else?
Watching him navigate the firms we did business with was a masterclass. He knew exactly who to call, how to handle people, and how to hold the professionals on the other end accountable. What surprised me most was seeing how much I would have been charged month after month if he hadn't gotten involved. Every question I had, he took the time to explain until it made sense. By the end, I wasn't just saving money. I understood what was happening and felt confident every step of the way.
