You'd get one before a major surgery. The same logic applies to the person managing your retirement. Upload your tax return and a recent performance report — a NerdWallet Wealth Partners CFP personally reviews your file and sends you a plain-English second opinion on fees, performance, and the advice you should be getting but aren't.
Free · Report within 2 business days · Two documents · No phone number needed
Most thought they paid 1%. The difference is fund expense ratios, wrap fees, 12b-1s, and custodial markups your statement doesn't add up for you. On a $500,000 portfolio, that gap is $4,000–$7,500 a year — every year.
Clients who think they pay 1.00% are typically paying 1.7% – 2.3% all-in. On a $500,000 portfolio, that's an extra $3,500 – $6,500 per year in fees you can't see on your statement.
Excerpts from a real (anonymized) report. Three sections — fees, performance, and advice — with findings ranked by what matters most.
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Your tax return alone surfaces most high-impact findings. Add a performance report for deeper fee and return analysis. We pull your advisor's Form ADV from the SEC ourselves. Two minutes to submit. Encrypted transfer.
Our analysis cross-references your tax return, your advisor's public disclosures, and your portfolio to find fee, performance, and tax-efficiency gaps. Then a NerdWallet Wealth Partners CFP reviews every finding, verifies what can be substantiated against your actual documents, and prepares specific recommendations for your situation — not generic guidance.
Your report arrives within 2 business days. Plain English. Specific action items — not "consider diversifying." For clients where a deeper conversation makes sense, your report includes a no-obligation offer for a free 30-minute consultation with the CFP who reviewed your file.
Findings most clients have never seen — because they require cross-referencing your portfolio with your tax return.
Total cost — including fund expense ratios, wrap fees, 12b-1s, and custodial markups — compared to peer-group medians for portfolios like yours.
Your returns after fees compared to a risk-matched index baseline. Apples-to-apples — not the sales-pitch comparison.
How your advisor is compensated, what their compensation rewards them to recommend, and where that conflicts with your interest.
The fiduciary table-stakes most brokers skip — visible only when we cross-reference your portfolio with your tax return: 529 funding, backdoor Roth, asset location, charitable structure.
Advisor Check is a service of NerdWallet Wealth Partners, an SEC-registered investment adviser. Every report is reviewed by a CFP®-credentialed fiduciary on our team before it reaches your inbox.
A fiduciary is legally required to act in your interest. Many advisors aren't fiduciaries — they're brokers operating under the lower "suitability" standard. We are. That obligation is what makes a second opinion meaningful.
We're affiliated with NerdWallet, the consumer finance brand. NerdWallet's editorial team operates separately and doesn't review our service. Your relationship — if you choose to have one — is governed by NWP's fiduciary duty to you.
Plain English. Not buried in legal terms. Your tax return is treated with the same confidentiality your CPA's office uses.
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Document access is logged. Your name and account numbers are masked from any benchmarking aggregates.
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You won't get marketing campaigns from us. You won't get sales calls. We don't ask for a phone number. Here are the only emails you'll receive after your upload.
Hi [Name],
Your report is ready. Here's the headline: your all-in cost is 2.31% — the median for portfolios like yours is 1.42%.
The full report has three sections: fees, performance, and advice quality. Findings are ranked by importance.
If your report flagged something worth a deeper conversation, I've included a link to schedule a free 30-minute call. Otherwise, just reply to this email with questions.
→ [View your report]
— A NerdWallet Wealth Partners CFP®
Hi [Name],
Quick check — did your report answer the questions you had?
If you have follow-up questions, just reply to this email. You won't hear from us again unless you ask.
— Ryan
Two documents. Two minutes. A CFP-reviewed fiduciary report within 2 business days.
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