When Financial Advice Fees Go Too Far

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Most financial advisers defend adviser fees. In this episode, Tim and Brodie do something different...... they challenge them.

From ongoing fees on “set and forget” portfolios, to percentage-based charges that grow far faster than the actual work involved, this episode explores when adviser fees genuinely deliver value… and when they may not.

Tim and Brodie unpack:

•  Why unclear fees are always a problem 
•  Whether passive investment portfolios justify ongoing advice fees 
•  The issue with commission clawbacks and conflicted incentives 
•  Why some clients end up paying far more without receiving far more service 
•  And how fees quietly compound against long-term wealth 

The episode also explores the origin story behind FNZ — a business now administering trillions globally — which reportedly began after its founder questioned the fairness of the fees his own parents were paying.

This isn’t an anti-adviser conversation.

It’s a transparency conversation.

Because at the end of the day, clients deserve to know:
 What they’re paying, why they’re paying it, and what value they’re actually receiving. 

If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected]

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The information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure