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Compare Us

We know you have a multitude of options when it comes to investment managers. We firmly believe that our unique combination of automated services with a human advisor has created one of the most comprehensive low cost advisory services available.  The table below shows how we compare to the many available options out there today:

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Traditional Advisor

Robo Advisor

Do-It-Yourself

 Annual Fees¹

 0.17% – 0.42%

 1 – 2%

 0.29% – 0.89%

 0.64%

 Personalized Risk Profiling

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 Financial Planning

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 Comprehensive Asset Review

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 Automated Rebalancing

& Dividend Reinvestment

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 Static Modern Portfolio Theory

 Portfolio Construction²

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Varies

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Varies

 Behavioral Coaching

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 Excessive Fund Holdings

 (AKA, Diworsification)³

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 Tax Efficient

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Varies

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Varies

 Index Based Portfolio

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Varies

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Varies

1 – Orcam’s fees may vary depending on portfolio specifics. The Do-It-Yourself average of 0.64% is based on the average cost in the 2015 Morningstar study on investor fees. The vast majority of individual investors are still using high fee mutual funds and high cost ETFs.

2 – Static Modern Portfolio Theory refers to the tendency for these asset managers to invest in buy and hold “stocks for the long-run” type portfolios that often leave an investor’s underlying asset allocation overly aggressive and misaligned with their profile at times during the business cycle as well as throughout their lives.  

3 – Diworsification refers to the tendency for asset managers to hold an excessive number of funds (10+) that gives the appearance of doing something superior when the reality is that this often times simply results in higher fees and the illusion of justifying those high fees.  

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