The investors who understand this are getting access to something most people with $1M or more never find. Here is the real reason most investors with significant assets never find the right wealth manager. It is not that the right firm does not exist. It is that they are looking in the wrong place. The referral-and-geography model that most people use to find a financial adviser, ask a friend, call someone the accountant knows, meet whoever has an office close by, was designed for a different era. It was designed for a time when managing significant wealth meant driving to a local branch and handing your future to whoever happened to practice in your zip code. That model has a ceiling. And for investors with a million dollars or more in retirement assets, that ceiling shows up fast. The adviser who is convenient geographically may be excellent at what they do. But excellent at what? Growing assets during your working years? Possibly.…