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Advisor Proposal Scorecard (Compare Fees & Services)
Updated on
TL;DR: Enter up to three proposals (annual dollar fees, services, cadence, fiduciary). We’ll normalize cost vs scope and show a single score so you can pick confidently. If a proposal quotes an AUM %, convert it to dollars first with the Advisor Fee Calculator, then test long-term impact in the 10-Year Fee Comparison.
You have a score. The next step is a second proposal to score against it.
A scorecard is only useful comparatively, and one proposal is not a comparison. The advisers below pay to be introduced — which is how you get the second one. It is free to you, and it is not the only way to find an adviser.
Before you start, what actually happens. The form is run by Kapitalwise, our advisor-matching partner. Kapitalwise sends your details to advisers who pay for the introduction, so expect calls and texts. Clear Money Guide is paid when you submit the form, whether or not you ever hire anyone. This is free to you and there is no obligation to hire anyone.
The Kapitalwise form opens here — you stay on this page.
What happens when you press the button
It asks about nine questions — age, investable assets, location — then your name, email and phone number, and verifies the phone by text. Nothing loads and nothing reaches Kapitalwise until you press the button.
Enter Proposals (up to 3)
Proposal A
Proposal B
Proposal C
Weight what matters to you
We normalize fees (lower is better), service breadth (more is better), cadence (capped at 6 meetings), and fiduciary status (Yes = full credit). We convert your weights to 100% total automatically.
Scores
How this score works (in plain English)
- We calculate a cost score by ranking proposals from cheapest to priciest (cheapest gets the most points).
- A services score counts the number of included planning areas (plan, investments, tax, retirement, etc.).
- A cadence score scales meetings/year up to a cap of 6.
- A fiduciary score gives full credit for fee-only/contract fiduciary; zero if unchecked.
- Your weights are normalized to 100% and multiplied by each sub-score to produce the final score out of 100.
For long-term impact, pair this with the 10-Year Fee Comparison to see how costs compound over time.
What to do next
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