AdvisorSmart Consulting Services

Better financial advice starts with better-informed investors.

AdvisorSmart® provides independent, education-based consulting services to help you understand your financial advisor, uncover hidden costs, reduce fees, and—when needed—select a new advisor aligned with your best interests.

AdvisorSmart® does not sell financial products or manage investments.
We help you make better decisions about financial advisors.

Most investors face three core risks:

1. Conflicts of interest they don’t understand
2. Fees they can’t clearly see or quantify
3. Advisor selection decisions based on titles and marketing—not facts
    

AdvisorSmart® addresses these risks through four clearly defined consulting levels, so you can start exactly where you need help. 

 Best for you if you are asking:

• “Is my advisor really a fiduciary?” 
• “How is my advisor actually paid?” 
• “Are there conflicts of interest I don’t understand?” 
• “Before I make changes, I want clarity.”
   

• Analysis of FINRA BrokerCheck, Form ADV Parts 1 & 2, and Form CRS
• Evaluation of professional credentials and designations 
• Review of your advisor’s objectivity and compensation
• Bias and conflict-of-interest summary 
•  Investor Protection Report written in plain English
• One hour of personalized consulting
   

AdvisorSmart® "Checkup" Consulting Service Fee: $500

Estimated Investor Benefit: ~$25,000 (through avoided mistakes and better decisions)

👉 Recommended starting point for most investors

Best for you if you are asking:

• “I don’t really know my total fees.” 
• “My statements are confusing.” 
• “I suspect I’m paying more than I realize.”
   

• Review of brokerage statement and client agreement 
• Identification of hidden, layered, and embedded fees 
• AdvisorSmart® Stewardship Report showing your true all-in costs 
• Benchmarking against industry standards 
• Clear, actionable fee-reduction recommendations
   

AdvisorSmart® "Fee Audit" Consulting Service Fee: $5,000 per Account

Estimated Investor Benefit for a Multi-Million Dollar Account: potentially  about $60,000+ (often recurring)

👉 Our AdvisorSmart® Level Two "Learn What You Pay" service is often combined with our AdvisorSmart® Level One "Learn What You Have" service

Best for you if you are asking:

• “I know I’m paying too much.” 
• “I want help negotiating lower fees.” 
• “I don’t want to handle this conversation myself.”
   

• Personalized fee-reduction strategy 
• One-on-one coaching and advocacy 
• Assistance communicating with your current financial advisor 
• Actual, measurable cost savings
   

Pricing:

• AdvisorSmart® "Fee Reduction" Consulting Service Fee 
• 20% of your first-year cost savings
• with a $10,000 minimum AdvisorSmart® consulting fee per account
   

Typical Outcome:

• Large multi-million portfolios might see $30,000+ in annual savings 
• Ongoing fee reduction benefit year after year

Best for you if you are asking:

• “I want a fiduciary advisor I can trust.” 
• “I’m starting over or facing a major life transition.” 
• “I don’t trust advisor marketing claims.”
   

• Education on how various types of financial advisors actually differ 
• Personalized advisor search strategy 
• Clarification of your needs, wants, and "nice to haves" 
• Objective evaluation of financial advisor candidates 
• Clarify and quantify financial advisor fee structure and engagement review before you commit to hiring a new financial advisor
• Coaching on how to communicate the financial advisor transition message to all relevant parties
   

AdvisorSmart® "Search" Consulting Service Fee: negotiable with a $20,000 minimum
Estimated Investor Benefit: potentially $100,000+ over time

AdvisorSmart® helps investors:

• Avoid conflicted advice 
• Reveal true costs 
• Reduce ongoing fees 
• Make one good advisor decision instead of fixing a bad one later
   

Small improvements, applied early, compounding for decades.

• No investment management 
• No product sales 
• No market performance promises
   

AdvisorSmart® focuses on what you can control:
advisor selection, cost transparency, and decision quality.

 Estimated return on investment (ROI) benefits reflect common industry fee structures and AdvisorSmart® experience. Actual results vary. AdvisorSmart® does not provide investment advice or guarantee outcomes.