This calculator is for illustrative purposes only and does not constitute investment advice or a guarantee of future results. Projected returns use historical net-of-fee CAGR figures from BRIM's proprietary SMA strategies, pulled live from BRIM's master database, and assume constant annual growth rates that do not reflect actual market volatility or sequence-of-returns risk. Past performance is not indicative of future results. All investments involve risk, including the potential loss of principal. Net returns already reflect deduction of BRIM's 1.50% annual model advisory fee; toggling the additional advisory fee deduction applies a further reduction. Tax drag represents the estimated percentage of annual gains realized as short-term taxable income: 35% for the Innovation SMA (higher turnover) and 15% for Growth, Core, and Low Volatility SMAs. Tax drag does not apply to the S&P 500, which is modeled as a buy-and-hold position with unrealized gains throughout. Federal tax brackets are based on 2025 IRS marginal rates per IRS Rev. Proc. 2024-40, applied to the user-entered taxable income for the selected filing status. Actual results will vary. Consult a qualified financial advisor before making investment decisions.