Is It Worth Paying a Financial Advisor 1%?

is $1m Enough to retire in 2025?

Sponsored A fiduciary financial advisor may be able to help evaluate your investments, optimize a tax strategy to help lower your liability, and identify other ways to help you achieve your retirement goals. But you might wonder if their cost is justified. In some cases, the value a financial advisor provides may greatly outweigh the costs. SmartAsset's research reveals advisor fees, generally ranging from 1% to 0.75% annually depending on net worth of the client, make up only an estimated 23.0% to 35.4% of the total value surplus generated by the client-advisor relationship.1 A financial advisor or wealth manager who helps harvest losses, plan out Roth conversion timing, or helps unwind concentrated stock may offset far more than a 10-basis-point fee savings. Access to private credit deals, estate-tax strategies, and behavioral coaching during volatility may also validate an advisor's cost. SmartAsset's latest proprietary model reveals that working with a financial advisor could potentially add from 36% to 212% more dollar value to investors' portfolios over a lifetime, depending on multiple unique, individual factors.2 That's why we created a free tool to help match you with vetted financial advisors who serve your area, each legally bound to work in your best interest. It's never too late to plan to work toward a comfortable retirement. Get your financial advisor matches today. Try SmartAsset's Financial Advisor Matching Tool   Hire a pro. Find and compare vetted financial advisors serving your area, each legally bound to work in your best interest. SmartAsset 122 E 42nd St #4300, New York, NY 10168 This is a hypothetical example and is not representative of any specific security. Actual results when working  with a financial advisor will vary. This scenario is for illustrative purposes only and does not represent an actual client. Results may vary. This is not an offer to buy or sell any security or interest. All investing involves risk, including loss of principal. Working with an adviser may come with potential downsides such as payment of fees (which will reduce returns). Past performance is not a guarantee of future results. There are no guarantees that working with an adviser will yield positive returns. The existence of a fiduciary duty does not prevent the rise of potential conflicts of interest. SmartAsset.com is not intended to provide legal advice, tax advice, accounting advice or financial advice (Other than referring users to third party advisers registered or chartered as fiduciaries ("Adviser(s)") with a regulatory body in the United States). The article and opinions in this publication are for general information only and are not intended to provide specific advice or recommendations for any individual. We suggest that you consult your accountant, tax, or legal advisor with regard to your individual situation. SmartAsset Advisors, LLC ("SmartAsset"), a wholly owned subsidiary of Financial Insight Technology, is registered with the U.S. Securities and Exchange Commission as an investment adviser. SmartAsset's services are limited to referring users to third party advisers registered or chartered as fiduciaries ("Adviser(s)") with a regulatory body in the United States that have elected to participate in our matching platform based on information gathered from users through our online questionnaire. SmartAsset receives compensation from Advisers for our services. SmartAsset does not review the ongoing performance of any Adviser, participate in the management of any user's account by an Adviser or provide advice regarding specific investments. We do not manage client funds or hold custody of assets, we help users connect with relevant financial advisors. Sources: 1. "How Much Does a Financial Advisor Cost?" SmartAsset (May 2025) 2. "The Value of a Financial Advisor: What's It Really Worth?" SmartAsset (Nov. 2024)   This email is a paid advertisement. It is for a product and/or service that is not offered, recommended or endorsed by Blinkvest and neither the company nor its affiliates bear responsibility or control over the content of the advertisement and the product or service offered. There is a very high degree of risk involved in trading. Past performance is not indicative of future results. The profits and performance shown are not typical, we make no future earnings claims, and you may lose money. Blinkvest and all individuals affiliated with this site assume no responsibility for your trading and investment results. The indicators, strategies, columns, articles and all other features are strictly for communication purposes only and should not be construed as investment advice. 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