Wealth Architect Pro | v4.6.0003

Wealth Architect v4.6.0003

Strategic Asset Efficiency Comparison Suite

Head-to-Head Engine

Side-by-side strategy audit

VS
YearEngine AEngine BSpread
Capital InvestedDeposit Base minus any Withdrawals taken.
Kept GrowthCompounding interest remaining after drops/taxes.
Wealth FrictionCombined impact of taxes and market loss.

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Connect with a fiduciary for a detailed architectural audit

Educational purposes only. Projections are not guarantees. Consult a financial fiduciary for clarity.

Strategic Intelligence Portal

What is "Total Internal Drag"?

Internal Drag represents the "Effective Fee" or the total impact on your growth within an **Elite product**. These costs are front-loaded to account for policy setup and security:

TimeframeEffective Annual Fee (Avg)Why it's this high/low
Years 1–103% – 5%+High front-end loads and setup expenses.
Years 11–201% – 1.5%Most fixed expenses drop off; only Admin remains.
Years 21+1.5% – 3%Costs increase due to age-based mortality charges.
How to achieve Max Wealth Retention?
Maximize retention by eliminating market risk and tax friction. Assets with 0% floors protect against market loss.
What is Annual ROR?
Yearly interest credited before annual taxes. For the **Elite product**, this is the net growth after internal drag is subtracted.

akfinancialconsultants.com

Wealth Architect Pro is a high-performance financial strategy suite designed to provide complete transparency into long-term asset growth. This interactive platform features a comprehensive Wealth Comparison engine that visualizes the hidden impact of market drops and tax erosion on your investments. Users can perform a deep-dive Financial Health Audit to identify efficiency leaks or utilize the precision College Savings Planner to model future education costs with inflation-adjusted targets. Each tool provides a detailed year-over-year amortization ledger, allowing for professional-grade analysis of Rate of Return (ROR), purchasing power, and cumulative growth. Ignite your financial potential with data-driven modeling tailored for elite wealth retention and strategic asset efficiency.