For everyday savers · 401(k)s · IRAs · brokerage accounts
Your benchmark is free. Show me what I got for the fee.
Find out whether your financial advisor is worth what you pay. You get one letter grade and one dollar figure, compared with a simple, low-cost index portfolio. No jargon, and no investing knowledge needed.
We're running a small, free pilot now. Sign up to take part or to hear when we launch. No advisor or financial firm pays us, ever. Real Performance Report is not an investment adviser, does not give investment advice and does not manage money.
Every name and number here is invented to show the layout. It measures what happened; it is not a recommendation to buy, sell or change advisors.
Radically simple
Two answers. Under a minute.
Most people can't judge investment returns, and they shouldn't have to. Everyone understands “you paid $X, and a simple index fund would have left you $Y ahead.”
One grade, two pillars
Does your account fit your goals, and did what you paid for beat a simple index portfolio after every fee? We grade both, A to F.
One dollar figure
Every fee you paid, added up in dollars, and how far ahead or behind you are compared with an index portfolio.
A trust check
Clean, Caution or Warning, based on public SEC, FINRA and CFP Board records, plus how your advisor is paid.
New in the pilot
Your goals, at a glance
Tell us what the money is for. The Fit check shows, goal by goal, whether your account lines up, and whether your advisor meets our standard of a personal check-in every month. You get symbols and plain words, so you don't have to read anything into the colors.
2 of 3 goals line up. Your college money is too risky for a 2-year need, and your advisor hasn't checked in for 3 months.
- Time horizonOn track
- Fit vs. your profileClose to profile
- Cash when neededNot needed yet
- Monthly check-insOverdue
- Time horizonOn track
- Fit vs. your profileClose to profile
- Cash when neededNot needed yet
- Monthly check-insOverdue
- Time horizonToo risky
- Fit vs. your profileClose to profile
- Cash when neededShort on cash
- Monthly check-insOverdue
- Our standard
- A check-in every month
- Advisor promised
- Quarterly reviews: met
- Actually happened
- Last check-in 3 months ago
- Lines up
- Worth a question
- Doesn't line up
- Doesn't apply
Invented goals, to show the layout. The Fit check describes how your account lines up with what you told us. It never tells you to buy or sell anything. How the pilot works
Why it matters
Small fees, big dollars.
Your advisor is usually measured against an index. Index funds that track it cost very little. So the fair question is what you got for the difference.
Shortfall on $100,000 over 20 years at 4% growth when the yearly fee is 1% instead of 0.25% (about $179,000 vs. $208,000).
How much smaller a 401(k) balance can be at retirement after 35 years when fees are 1 percentage point higher.
Source: U.S. Department of Labor, “A Look at 401(k) Plan Fees”
Share of actively managed large-cap U.S. stock funds that trailed the S&P 500 over the 10 years ending Dec. 31, 2025.
Source: S&P Dow Jones Indices, SPIVA U.S. Scorecard Year-End 2025
Figures are as published by each source and are general illustrations, not predictions about your account.
Free to browse
Advisor profiles with verified client reviews
Look up any advisor before you hire them, or check the one you have. Every profile shows our grade, a public-records trust check, and star ratings and reviews from verified clients only: people who proved the relationship with a statement.
- Free to browse, no account needed
- Reviews are kept separate from our measured grade
- Advisors can claim their profile and reply for free
- No one can pay to remove a review or rank higher
Invented name, firm and numbers, to show the layout. Reviews are clients' opinions; the grade is our measurement. They are shown separately on purpose.
Independent by design
We work for the saver. Full stop.
- No referral fees, commissions or revenue share from any advisor, broker, insurer or fund company we grade.
- Advisors claim and respond to their profiles for free, and never pay us anything. They can't pay to change a grade, rank higher, or hide or remove a review.
- You pay for the service, so we work for you.
- We publish our method, label how confident each grade is, and fix mistakes fast.
- We show you what happened and the questions to ask. The decisions stay with you.
What we are not
Real Performance Report is not an investment adviser or financial advisor, and we don't manage money or sell investments. “Performance” means we measure what your account actually did after fees; it is not a promise of returns. We won't tell you to buy, sell or fire anyone. We give you a clear, factual picture, so the conversation with your advisor starts from the facts.
Not investment, tax or legal advice. Disclaimers
Is your advisor worth it?
Join the free pilot, or get notified when we launch. No payment, no obligation.