Data-Driven Financial Intelligence
Financial Research & Data Hub
Comprehensive research reports, retirement statistics, and side-by-side comparisons, sourced from established institutions and interpreted by our fiduciary advisory team.
Key Financial Statistics (2024-2025)
$315K+
Healthcare costs for retired couple
Source: Fidelity 2024
45%
Americans behind on retirement savings
Source: Federal Reserve
77%
More monthly income at 70 vs 62 (SS)
Source: SSA
$500K+
Illustrative lifetime cost of a 1% fee differential on a $1M portfolio over 30 years (hypothetical, before taxes; not a SWE90 result)
Source: SEC Investor Bulletin (general illustrative compounding example)
3%+
Potential "Advisor Alpha" value from behavioral coaching, tax-efficient withdrawals, and rebalancing per a third-party study; hypothetical industry-wide estimate, not a SWE90 performance or expected-return representation; not a guarantee of higher returns
Source: Vanguard Advisor's Alpha (Kinniry et al.), 2014/2022 update
$13.6T
Great wealth transfer to next generation
Source: Cerulli Associates
Research Reports & Data Analysis
Each report contains data tables, visual breakdowns, and credentialed (CFP®, ChFC®, CLU®) analysis. All figures sourced from Federal Reserve, SSA, Census Bureau, IRS, and leading financial institutions.
Retirement Data
Average Retirement Savings by Age
Source: Federal Reserve SCF
Retirement Data
Average 401(k) Balance by Age
Source: Fidelity Q3 2024
Wealth Data
Average Net Worth by Age
Source: Federal Reserve
Income Data
Average Retirement Income
Source: Census Bureau
Demographics
Average Retirement Age
Source: Gallup 2024
Cost Analysis
Retirement Cost by State
Source: BLS & Census
Cost Analysis
Healthcare Costs in Retirement
Source: Fidelity 2024
Fee Analysis
Average Financial Advisor Fees
Source: NerdWallet
Fee Analysis
Fee Impact on Retirement Savings
Source: SEC
Social Security
Best Age to Take Social Security
Source: SSA
Social Security
Social Security Benefits by State
Source: SSA 2024
Planning
Top Retirement Planning Mistakes
Source: Fed Survey
Demographics
Retirement Readiness by Generation
Source: NIRS 2024
Side-by-Side Financial Comparisons
credentialed (CFP®, ChFC®, CLU®)-analyzed comparisons with detailed feature tables, tax implications, and fiduciary recommendations.
Roth IRA vs Traditional IRA
Tax treatment, contribution limits, withdrawal rules, which is better for your situation?
Fiduciary vs Broker-Dealer
Legal standards, fee structures, conflicts of interest, the critical differences.
401(k) vs IRA
Contribution limits, employer match, investment options, and rollover strategies.
Term vs Whole Life Insurance
Cost, coverage, cash value, and which type fits your financial plan.
Active vs Passive Investing
Performance data, fees, tax efficiency, and the evidence-based verdict.
Fiduciary vs. Non-Fiduciary Advisor: Quick Reference
| Factor | Fiduciary Advisor | Non-Fiduciary (Suitability) |
|---|---|---|
| Legal Standard | Must act in client's best interest | "Suitable" recommendations only |
| Compensation | fee-based (transparent) | Commissions from product sales |
| Conflicts of Interest | Must disclose conflicts | Conflicts permitted if disclosed |
| Product Selection | Institutional-quality selection for client situation | May favor proprietary/high-commission |
| Typical Annual Cost (illustrative ranges from published industry sources; not SWE90 fees) | ~0.5%–1.5% AUM (AdvisoryHQ, Kitces benchmarking studies; varies by AUM tier, service model, and custodian) | ~1%–3%+ all-in (commissions + fund loads + advisory fees; varies by product mix) |
| Regulatory Body | SEC / State RIA | FINRA (broker-dealer rules) |
Source: SEC Investor.gov, FINRA, CFP Board Standards of Conduct
"Data doesn't lie; but it can mislead without context. Every statistic in our research hub is sourced from established institutions and interpreted through the lens of 20+ years of fiduciary advisory experience. We don't just show you numbers; we show you what they mean for your specific financial plan."
Brett R. Henderson, CIMA, CPFA, CRPS
Fiduciary Financial Advisor & Founder, SWE90