PERFORMANCE is DIRECTLY IMPACTED by FEES. Sometimes these fees are hard to see or calculate unless you know where to look and how to calculate. Investors may not know the TRUE COSTS associated with their Portfolios as a whole and the Investments contained within. This is a consult where Technology and Advice intersect. Many times Portfolios are loaded with high cost, high internal expense ratio holdings that likely have very similar less expensive options that should be considered. These fees are IN ADDITION TO ANY MANAGEMENT FEE YOU PAY!!