is a wrap fee worth it 
whether it s worth it to pay a wrap fee depends on how much service you demand from your investment advisor and how often if you are confident that your money is in good hands and you don t need to revisit your investment decisions regularly you may not need a wrap fee the wrap fee generally covers professional advice and research services trading fees and related administrative costs if you aren t using all of those services frequently you may be better off with the standard pay as you go plan 