Why “Fee-Only” Matters in 2026
Many advisors claim to be “fiduciaries,” yet they still accept commissions from insurance products or mutual funds. This is known as “Fee-Based” (not Fee-Only). At Davies Wealth Management, we believe that true independence requires the total removal of sales incentives.
Our fee structure is designed to align our success directly with yours. When your portfolio grows, we both benefit. If market volatility strikes, our only priority is protecting your capital, not meeting a sales quota. This is the cornerstone of why Stuart families are switching to fee-only advice.
The Hidden Cost of “Free” Advice
Brokerage firms often offer “no-fee” planning, but hide the costs in high-expense ratios, bid-ask spreads, and trailing commissions. Over a 30-year retirement, investment fees can cost you hundreds of thousands of dollars in lost compounding potential.
Audit Your Current Fee Structure
Not sure what you’re actually paying? We provide a complimentary Fee & Fiduciary Audit to uncover hidden costs in your current portfolio.