You See Everything. Because It’s Your Money.
No Hidden Fees. No Buried Costs. No Surprises.
At too many firms, the true cost of advice is deliberately hard to find. Management fees are one layer. Fund expenses are another. Transaction costs, platform fees, ticket charges, markups on bonds, soft-dollar arrangements — the list goes on. By the time you add it all up, you’re paying far more than you thought. And most people never add it up, because the information is scattered across statements, footnotes, and fine print that was never designed to be read.
Keel Wealth Management operates differently. We believe you have an absolute right to know exactly what you’re paying, exactly what you own, and exactly how your money is performing. Not approximately. Not annually. Not buried in a 40-page document. Clearly, completely, and continuously.
Your Investments — Visible and Understood
Every position in your portfolio is visible to you at all times. Not through a clunky portal that updates once a quarter — through real-time access at Charles Schwab, where your assets are held in accounts registered in your name. You can see every stock, every bond, every fund, every cash position, every day.
But visibility isn’t just about access. It’s about understanding. We explain why each position is in your portfolio, what role it plays, and how it fits into your overall strategy. You’ll never look at your statement and wonder what something is or why you own it.
Your Costs — One Fee, Fully Disclosed
Our fee structure is simple because it should be. You pay one advisory fee, calculated as a percentage of assets under management. That’s it.
No commissions. We don’t earn money when you trade. There’s no incentive for us to churn your account or push products.
No hidden transaction costs. We don’t mark up bond prices, bury fees in fund expenses we control, or charge ticket fees on trades.
No platform fees. You won’t find a quarterly technology charge or custodial surcharge on your statement.
No soft-dollar arrangements. We don’t receive research or services from brokers in exchange for directing your trades to them.
What you see is what you pay. We can tell you your all-in cost in one sentence, and we’re proud of it — because it’s as much as two-thirds less than what most firms charge.
Your Performance — Honest and Complete
Performance reporting should tell you the truth about how your money is doing — not a version of the truth that makes your advisor look good. At KWM, we provide:
After-fee returns. Your performance numbers reflect what you actually earned after our advisory fee. No gross-of-fee sleight of hand.
Tax-adjusted context. We help you understand your returns in the context of your tax situation, because a 10% return that triggers a large capital gains bill is very different from a 9% return that doesn’t.
Benchmark comparisons. We show you how your portfolio performed relative to appropriate benchmarks — not cherry-picked indices that make the numbers look favorable.
Clear attribution. When your portfolio outperforms or underperforms, we explain why. No vague market commentary. Specific decisions, specific outcomes.
Transparency Is Trust
We don’t practice transparency because regulators require it. We practice it because trust requires it. The moment a client has to wonder what they’re paying or what they own, something has gone wrong. That moment never happens at KWM.
Your wealth is yours. You deserve to see all of it, understand all of it, and trust that nothing is being hidden from you. That’s not a high bar. It’s the minimum — and it’s one that far too few firms clear.
Want to see what full transparency looks like? Contact Scott Zodin at scott@keelwealth.com or call (512) 368-4593 for a complimentary portfolio review.
