Heat Map Overview

All investment materials include the disclaimer, “past performance is not indicative of future results.” It might be hidden in the fine print, but that statement is there; it must be—it's the law.

Investment return information is readily available, if it held the cheat codes for what future returns would be, we’d all be billionaires.

Evidence shows that past returns contain very little information about future returns. A strong track record can be disrupted by unforeseen events, and outsized returns can attract competition, eroding their competitive advantage.

When we over-focus on returns, we are like the drunk searching for their keys under the lamp post. Not because that’s where the keys went missing, but because “that’s where the light is.”

We want to change that.

The Camber Heat Map is a tool that flips the conventional approach to increasing returns—by thinking backwards. Instead of just chasing higher returns, we focus on reducing costs, which is something we can control. This approach helps improve outcomes in a much more predictable way.

Three costs that reduce returns:

1. Investment Fees (both at the portfolio and advisor level)
2. Taxes
3. Investment Asset Allocations

Real performance improvements can be found in the costs that we can control with certainty. Try the Heat Map today and see how much more your investments can work for you.

Heat Map Overview:

The Back Story and Tool Introduction

How Each Individual Account Gets Analyzed

How We Contextualize Your Results

Full Heat Map View

Try our Heat Map today and start seeing the difference it can make.

P.S. Maybe it’s worth it…

The costs you pay for investments, advisors, or tax inefficiencies might be worth it to you. This report isn’t meant to be 100% conclusive or prescriptive. Instead, it’s designed to highlight areas within your control that are certainly reducing your overall performance.

These small, often hidden improvements compound over time and add up to a meaningful difference. Our goal is to give you a clear view of where you might be paying above-market rates, so you can decide for yourself whether those costs are truly worth it.