Here's a question worth asking: are your wealth managers actually beating the market, or are they dragging down your returns? It's not uncommon to see investors paying hefty fees while their portfolios underperform basic market benchmarks. Between management fees, advisory costs, and suboptimal positioning, the math often doesn't work in your favor. DIY investors using passive strategies or spot holdings on major coins sometimes end up ahead. Maybe it's time to audit your wealth management setup and ask yourself if you're really getting value—or just watching fees eat into gains.