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AUM Fees at $1M 2026: 1%, 0.75%, 0.50% Cost

Clear Money Guide

What this guide covers

A quick view of the questions and evidence developed below.

AUM fees at $1M table
At $1M, compare the same scope
Methodology

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Updated July 7, 2026. Quick answer (2026): AUM fees at $1M are about $10,000/year at 1.00%, $7,500/year at 0.75%, and $5,000/year at 0.50% before fund, platform, overlay, trading, tax-prep, or implementation costs. The same quote should be compared against flat annual and hourly/project pricing.

AUM fees at $1M table

AUM rate Annual advisor fee Ask before accepting
1.00% $10,000/year Does the quote include planning, investment implementation, and tax coordination?
0.75% $7,500/year What fee breakpoints apply above $1M?
0.50% $5,000/year Is the planning service lighter, virtual-only, or limited to portfolio management?

Compare nearby balances: AUM fees at $500k, AUM fees at $2M, AUM fees at $3M, and financial advisor fees for a $1 million portfolio.

At $1 million, where does the measured cost sit?The measured band against this page’s own 0.50 / 0.75 / 1.00% ladder.At $1 million, where does the measuredcost sit?The measured band against this page’s own 0.50/ 0.75 / 1.00% ladder.0.50% of your balance0.75% of your balance1.00% of your balanceWhat firms actually disclose (measured)$5,000$7,500$10,000$8,750 to $10,000$0$3,000$6,000$9,000$12,000The band runs from between the 0.75% and 1.00%lines to exactly its 1.00% line.The band is an identification interval, not amargin of error. Where a filing discloses afee range rather than one schedule, its lowand high ends are carried through separately;midpoints are never invented.The three grey bars are this page’s ownarithmetic on a rate you might be quoted. Onlythe band is measured.These are disclosed prices, not paid prices.Many firms negotiate, and many disclose nocomputable price at all.Source: Clear Money Guide Research Team, 2026 Advisor FeeBenchmark v1.1, DOI 10.5281/zenodo.21762538, CC BY 4.0 —annual cost computed from the Form ADV Part 2A feedisclosures of 176 SEC-registered investment advisers andweighted to a screened frame of 9,234 advisers that serveindividual clients. Aggregate table read from the deposit onAugust 17, 2026.
Annual advisory cost at $1 million: what this page’s rate ladder computes, against what SEC-registered firms actually disclose. Axis maximum $12,000, shared with the other pages in this family so the bands are comparable between balances. The benchmark is a provisional release: its own charter asks for 200 completed firms and this deposit has 176, so treat these as indicative.

At $750,000, a tenth of a percent is $750 a year.

That is the whole argument for getting more than one quote. Take the figures above into the conversation and ask each firm what they would charge on $750,000, all in, and what that buys beyond investment management.

If your portfolio is $250,000 or more, this connects you — free, with no obligation to hire anyone — with 2 to 3 vetted advisors.

Before you start, what actually happens. The matching service is run by WiserAdvisor, an independent advisor-matching company. It opens on their site, asks for your ZIP code and a few questions, and matches you with 2 to 3 vetted advisors. It is free to you.

WiserAdvisor states the service is built for portfolios of $250,000 and above. By submitting, you consent to emails, phone calls and text messages from WiserAdvisor and up to three advisors, so expect to be contacted. Clear Money Guide is paid when you complete the form, whether or not you ever hire anyone.

Compare fees, scope, conflicts, credentials and fiduciary duty before you hire anyone. This is not the only way to find an adviser.

See which advisors fit your situation

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At $1M, compare the same scope

  • A $10,000/year AUM quote may be reasonable if it includes deep planning and implementation.
  • A flat annual quote may be cheaper if it includes comparable retirement-income, tax, and portfolio work.
  • Ask for all-in costs in dollars, including funds, platforms, overlays, tax-prep, and hourly work.

Methodology

  • We convert common AUM rates into annual dollar amounts for a $1,000,000 portfolio.
  • We compare AUM with flat annual, hourly, project, retainer, and robo-supported alternatives by scope and cost.
  • This page was materially reviewed on July 7, 2026. It is educational, not personalized financial, tax, legal, or investment advice.

Editorial standards: Editorial Policy

What firms actually disclose at this balance. In our own benchmark of published adviser fee schedules, the weighted median annual cost at $1,000,000 is $8,750 to $10,000, taken from the Form ADV Part 2A filings of 176 SEC-registered advisers. The full benchmark, with method.

Where $1M sits in the wider schedule: AUM fee breakpoints from $250k to $3M. To price a different balance, use the AUM fee calculator.

See the adviser match on this page