Clear Money Guide
Choose your path
Start with the decision that matches what you need now.
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In 30 seconds: choose the advisor-fee question in front of you, compare the advisor rate in annual dollars, and move to the rates chart, calculator, near-me guide, local fee guide, or fiduciary checklist that fits.
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Your 3-step path
- Turn the quote into dollars. Convert AUM percentages, flat annual fees, retainers, hourly/project quotes, and fund/platform costs into annual dollars.
- Compare scope before price. Check what is included, who does the work, how often you meet, and what becomes out-of-scope.
- Take one next step. Use the relevant tool, open a local guide, or ask a fiduciary advisor for a written fee-and-scope answer.
What brings you here?
- Compare financial advisor rates (rate chart for AUM, flat, retainer, hourly, project, and robo quotes)
- Advisor Fee Calculator (turn the quote into first-year, monthly, and 10-year dollars)
- Financial advisor fees comparison (compare rate, scope, conflicts, and deliverables)
- Average retainer fee for financial advisor (monthly quote to annual cost)
- 10-Year Fee Comparison (see long-term fee drag by model)
What to expect on a first call
- Clear fee in dollars (not just a %).
- Scope & cadence: what’s included, how often you’ll meet, turnaround time.
- Three priorities (e.g., guardrails paycheck, Roth windows, equity comp).
Keep it simple: one call, three questions, one decision.
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Already decided on fee-only? Go straight to fee-only financial advisor near me for how to vet fee-only pricing and scope before an intro call.
Moving state in retirement?
Four taxes change when a retiree moves, not one: state income tax on withdrawals, state estate tax, state inheritance tax, and what probate costs the heirs. Most comparisons price only the first, which is why the usual advice is wrong for whole states — Illinois and Pennsylvania already exempt retirement withdrawals, so moving to Florida saves those retirees nothing on income tax and the real money is at death. See retirement tax relocation for statute-cited corridor comparisons, compare any two states with the comparison tool, or rank all 51 for your own numbers with the personalised ranker.
The full decision index
Every decision guide on this site, grouped by the moment it applies to:
Roth conversions
- 72(t) or a Roth Conversion Ladder? (2026)
- Conversions and College Financial Aid (2026)
- Conversions and Medicaid Long-Term Care Planning (2026)
- Conversions and the 0% Capital Gains Bracket (2026)
- Converting Before or After a Move (2026)
- Converting as a Surviving Spouse (2026)
- Converting in a Down Market (2026)
- Converting in a Low-Income Year (2026)
- Converting in a Year You Live in Two States (2026)
- Do Roth Conversions Trigger the 3.8% NIIT? (2026)
- Does Alabama Tax Roth Conversions? 2026
- Does Alaska Tax Roth Conversions? 2026
- Does Arizona Tax Roth Conversions? 2026
- Does Arkansas Tax Roth Conversions? 2026
- Does California Tax Roth Conversions? 2026
- Does Colorado Tax Roth Conversions? 2026
- Does Connecticut Tax Roth Conversions? 2026
- Does Delaware Tax Roth Conversions? 2026
- Does District of Columbia Tax Roth Conversions? 2026
- Does Florida Tax Roth Conversions? 2026
- Does Georgia Tax Roth Conversions? 2026
- Does Hawaii Tax Roth Conversions? 2026
- Does Idaho Tax Roth Conversions? 2026
- Does Illinois Tax Roth Conversions? 2026
- Does Indiana Tax Roth Conversions? 2026
- Does Iowa Tax Roth Conversions? 2026
- Does Kansas Tax Roth Conversions? 2026
- Does Kentucky Tax Roth Conversions? 2026
- Does Louisiana Tax Roth Conversions? 2026
- Does Maine Tax Roth Conversions? 2026
- Does Maryland Tax Roth Conversions? 2026
- Does Massachusetts Tax Roth Conversions? 2026
- Does Michigan Tax Roth Conversions? 2026
- Does Minnesota Tax Roth Conversions? 2026
- Does Mississippi Tax Roth Conversions? 2026
- Does Missouri Tax Roth Conversions? 2026
- Does Montana Tax Roth Conversions? 2026
- Does Nebraska Tax Roth Conversions? 2026
- Does Nevada Tax Roth Conversions? 2026
- Does New Hampshire Tax Roth Conversions? 2026
- Does New Jersey Tax Roth Conversions? 2026
- Does New Mexico Tax Roth Conversions? 2026
- Does New York Tax Roth Conversions? 2026
- Does North Carolina Tax Roth Conversions? 2026
- Does North Dakota Tax Roth Conversions? 2026
- Does Ohio Tax Roth Conversions? 2026
- Does Oklahoma Tax Roth Conversions? 2026
- Does Oregon Tax Roth Conversions? 2026
- Does Pennsylvania Tax Roth Conversions? 2026
- Does Rhode Island Tax Roth Conversions? 2026
- Does South Carolina Tax Roth Conversions? 2026
- Does South Dakota Tax Roth Conversions? 2026
- Does Tennessee Tax Roth Conversions? 2026
- Does Texas Tax Roth Conversions? 2026
- Does Utah Tax Roth Conversions? 2026
- Does Vermont Tax Roth Conversions? 2026
- Does Virginia Tax Roth Conversions? 2026
- Does Washington Tax Roth Conversions? 2026
- Does West Virginia Tax Roth Conversions? 2026
- Does Wisconsin Tax Roth Conversions? 2026
- Does Wyoming Tax Roth Conversions? 2026
- Estimated Taxes After a Roth Conversion (2026)
- How a Conversion Affects Social Security Taxation (2026)
- Pairing a Conversion With a Large Charitable Gift (2026)
- Paying Conversion Tax From the IRA Itself (2026)
- Roth 401(k)s No Longer Have RMDs (2026)
- Using a Business Loss to Offset a Conversion (2026)
- You Cannot Undo a Roth Conversion (2026)
New this week: five decision calculators
Compute it before anyone pitches you: home-sale capital gains and the §121 exclusion · executor fees in the 8 statutory states · surrendering a life insurance policy · self-insuring long-term care · 529-to-Roth rollovers. Plus the statute-verified transfer-on-death deed state table.
Looking for how your own state compares? See the full state-by-state guide index, all 35 comparison tables grouped by topic.