Advisory Fee Calculator
This Calculator allows you to understand what you’re paying in fees to a potential financial advisor.
1) Enter portfolio value, or drag the slider button.
2) Examine how fee tiers work by changing or playing with the fee tier amounts and break points.
3) Include third party fees from different types of investments.
Contact us with any questions about what this calculator is telling you.
Total cost of ownership
You may know your advisory fee.
Do you know your total cost?
Most investors know the percentage at the top of their statement. Fewer know what the funds, managers, and platform charge underneath it. Put your own numbers in — every figure here is editable.
What your advisor charges
A typical tiered schedule is filled in below. Change any rate or breakpoint, or add and remove tiers to match your own.
Fee by tier
| Total advisory fee |
What's inside the portfolio
These costs sit underneath the advisory fee and rarely appear on a statement. Set the mix and what each sleeve costs.
Mutual funds, alternatives, and SMAs add up to more than 100%. Lower one of them.
Alternatives are management fee only. Performance fees and carried interest are not included and would add to the total.
Platform, program, administrative, or trust fees charged on the whole portfolio.
The Keller side
Assumes low-cost ETF implementation. Fund costs apply here too, and this comparison includes them.
Used only for the ten-year figure, and applied identically to both sides — so what it isolates is cost, not performance.
Your estimated total annual cost
$0
| Advisory fee | ||
| Mutual funds | ||
| Alternatives | ||
| SMAs | ||
| ETFs and other | ||
| Other fees | ||
| Total |
Estimated difference, per year
$0
On these numbers you are already paying less than this schedule. That is worth knowing, and it is the honest answer.
What this assumes
Advisory fee. Tiers apply marginally — each portion of the portfolio is charged at the rate for that band, not the whole balance at one rate. The default schedule shown is illustrative, not any particular firm's.
Product costs. Starting figures come from Investment Company Institute data for 2025: equity mutual funds averaged 0.40% and bond mutual funds 0.36%, while index equity ETFs averaged 0.14% and index bond ETFs 0.09%. SMA and alternatives figures are common industry ranges, and alternatives reflect management fees only — performance fees and carried interest are excluded and would increase the total. Every number is editable.
The Keller figure uses the firm's published advisory fee of 0.60% on discretionary assets plus an estimate for low-cost ETF implementation. If you intend to keep alternatives or separate account managers, those costs would apply on this side too — use the button above to model that.
The ten-year figure applies the same hypothetical growth rate to both columns before fees. It isolates the effect of cost. It is an illustration, not a projection, and it neither reflects nor predicts the performance of any investment.
Not included on either side: custodial and transaction charges, cash drag, taxes, and anything specific to your circumstances. Your actual costs are in your statements and your advisor's Form ADV Part 2A.
This calculator is provided for general educational purposes and produces estimates from assumptions you control. It is not investment, tax, or legal advice, it is not a recommendation, and it is not a statement about the fees of any particular firm. Keller Investment Advisors LLC is a Registered Investment Adviser registered with the State of Wyoming. Registration does not imply a certain level of skill or training. Investing involves risk of loss. Advisory fees are described in Form ADV Part 2A, Item 5.