Most people pay financial fees they have never seen broken out. The fees are real, the dollars are real, and the impact on your long-term returns is significant. Industry disclosures are written to be technically accurate and practically unreadable. The questions below are the ones worth answering before you renew, roll over, or sign with a new advisor.

• How do I find out what fees I am actually paying?

• Are my investment fees reasonable compared to what I am getting?

• What is the difference between a fee and a commission?

• Am I paying for services I am not receiving?

• How do hidden fees affect my long-term returns?

• What questions should I be asking my current advisor about fees?

• Do I have duplicate fees?

The Comprehensive Review includes a full read on the fees you are paying — investment expense ratios, advisor fees, surrender charges, insurance loads, the works. You leave with a written summary that names the fees in plain language so you know exactly what you are paying for.

The first conversation is free. Thirty minutes, no presentation, no pitch.