Smart investors know that costs matter - the average person spends far too much. As the chart shows from the last 30 years, avoiding typical and unnecessary expenses on a beginning balance of $100,000 would have generated almost one million dollars extra. The more you pay in fund expenses, management fees, and taxes, the less you will earn over time. Disciplined Capital Management keeps your costs low by maintaining portfolios of intelligently designed low-cost asset class funds. All expenses will be transparent and kept in total to approximately 1.0% or less.