Wealth In Yourself vs. AUM
How our fee compares to a 1% AUM advisor.
We don't lead with this. The reason this page exists is that if you're shopping between Wealth In Yourself and an AUM advisor charging 1% of your portfolio, you deserve to see the math without sitting through a sales presentation.
So here it is — the comparison, the projection over 20 and 30 years, and a link to our process once you're done with the math.*
* Hypothetical and illustrative only. Assumes $5M starting portfolio, 7% annual portfolio growth, 1% AUM fee deducted annually vs. WIY declining flat fee schedule. Past performance is not indicative of future results. Individual results will vary based on portfolio size, market performance, and applicable fees. See full assumptions below.
The side-by-side comparison.
Fee Structure
AUM Advisor
1% of assets under management
WIY
Flat fee based on net worth
Minimum
AUM Advisor
Usually $1M–$5M AUM
WIY
$10K/year minimum (typically $1M+ net worth)
Scope of services
AUM Advisor
Primarily portfolio management
WIY
Tax, investments, estate, insurance, business planning, RE investor planning, financial therapy
Fee scales with portfolio
AUM Advisor
Yes — fee grows as portfolio value grows
WIY
Rate declines as your net worth grows
Fee changes if you move money out of the account
AUM Advisor
Yes — fee is tied to assets in the account
WIY
No. Fee is based on net worth, not where assets are held.
Fee tied to allocation decisions
AUM Advisor
Yes — paying down debt, gifting, buying real estate, or funding a business reduces the fee base
WIY
No. Fee is independent of allocation decisions.
CPA, attorney, specialist coordination
AUM Advisor
You find and manage them yourself
WIY
Coordination with selected specialists — included when your situation calls for outside expertise
Meeting frequency
AUM Advisor
Typically 1-2 per year
WIY
Unlimited — meet as often as you need
Transparent pricing published online
AUM Advisor
Rarely
WIY
Always
The Math
How the two fee structures compound over 20 years on a $5M portfolio.
Both fees are paid from the portfolio each year, which reduces the base for future growth.
Portfolio Benefit
$2,369,210
more in your portfolio with WIY over 20 years
30-Year Benefit
$6,992,247
more in your portfolio with WIY over 30 years
AUM Fees Paid (20yr)
$1,953,284
cumulative fees
WIY Fees Paid (20yr)
$603,447
cumulative fees
Fee Delta (20yr)
$1,349,836
less in fees with WIY
Year 1 · AUM Portfolio: $5,296,500
AUM Fee
$53,500/yr
Total: $53,500
WIY Fee
$21,700/yr
Total: $21,700
Year 5 · AUM Portfolio: $6,669,064
AUM Fee
$67,364/yr
Total: $301,163
WIY Fee
$24,809/yr
Total: $116,019
Year 10 · AUM Portfolio: $8,895,282
AUM Fee
$89,851/yr
Total: $702,859
WIY Fee
$30,041/yr
Total: $255,074
Year 15 · AUM Portfolio: $11,864,641
AUM Fee
$119,845/yr
Total: $1,238,645
WIY Fee
$34,158/yr
Total: $418,106
Year 20 · AUM Portfolio: $15,825,209
AUM Fee
$159,851/yr
Total: $1,953,284
WIY Fee
$39,234/yr
Total: $603,447
Assumes 7% annual portfolio growth for illustrative purposes only. Actual returns will vary. This is not a guarantee of future performance. Fees are assumed to be deducted from the portfolio annually. AUM fee is 1% of portfolio value each year (grows with portfolio). WIY fee is a flat fee based on starting net worth (does not grow with portfolio returns).
This comparison uses hypothetical examples for illustrative purposes only. Past performance is not indicative of future results. Individual results will vary. Assumes 7% annual portfolio growth with fees deducted annually. Actual returns, fees, and outcomes depend on individual circumstances and market conditions.
What we'd rather talk about
The math is a tiebreaker. The work is the point.
You can save tens of thousands of dollars in fees over a decade by working with us instead of an AUM firm. That's real money. But it's not the most interesting thing about working with us.
The interesting thing is what we actually do — life planning, tax strategy, entity coordination, estate design, real estate planning, and the unlimited meetings to coordinate it all. The fee structure makes it possible. The work is the point.
See what your fee would actually be at Wealth In Yourself.
Open the calculator and compare. No login, no email required.
Open the Calculator