The Sheriff's Cut: How Higher Fees Steal from Your Future

Why Management Fees Matter

When it comes to investing, small percentages can make a big  difference. That’s especially true with investment management fees - the annual percentage you pay an advisor or firm to oversee your portfolio.

It might not seem like much, but paying a larger percentage for management fees each year can quietly erode tens of thousands of dollars from your long-term wealth.

The Power of Compounding Works Both Ways

Most investors understand that compounding returns help their money grow faster over time. What’s often overlooked is that fees  compound, too, just in the opposite direction.

Let’s imagine two investors, each starting with $500,000  and earning an average 7% return  before fees:

Management Fee	20-Year Portfolio Value
1.40%	$1,459,432
0.85%	$1,631,173

After 20 years there is a $171,000 difference - over 10% of the portfolio’s value - simply because of a 0.55% difference in annual fees.

Over time, that “small” percentage doesn’t just nibble at your returns; it feasts on them.

Lower Fees = More Flexibility and Control

Independent fiduciaries, like Sherwood Wealth Management, can operate leaner, transparent practices that put more of your money to work.

By paying lower management fees, you’re not cutting corners, you’re cutting unnecessary layers between you and your goals.

It’s Not Just About Cost - It’s About Value

Fee reduction only matters if you’re still getting the right service. The key question isn’t “What’s the cheapest option?”  but “What am I getting for what I pay?”

At Sherwood Wealth Management, that 0.85% isn’t a discount. It’s a commitment to efficiency, transparency, and true fiduciary care. You still receive comprehensive planning, customized portfolios, and ongoing guidance, just without inflated pricing structures.

 

Every Dollar You Keep Is a Dollar That Can Grow

Lower fees keep more of your money compounding toward your retirement, family goals, and financial independence. Over a decade or two, that difference can translate to:

• More security in retirement

• Greater flexibility with your lifestyle

• Larger legacy or charitable impact

It’s simple - the less you pay in fees, the more your future benefits.

The Sherwood Difference 

Whether you’re just starting to invest or have a seasoned portfolio, your management fee deserves a closer look.

At 0.85%, Sherwood Wealth Management believes in giving clients the best of both worlds. Personal, fiduciary guidance and  efficient pricing designed to help you keep more of what’s yours.

Because in the long run, it’s not just about what you earn - it’s about what you keep.