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Updated July 6, 2026. Quick answer: a fiduciary financial advisor NYC or fee-only financial planner NYC quote should be compared in annual dollars before you book an intro call. At $2,000,000, a 0.75% AUM fee is $15,000 per year and a 1.00% fee is $20,000 per year before fund, platform, tax, legal, or separate planning costs.
Use this New York City guide when you are comparing fiduciary financial advisor NYC, financial planners NYC fee, fee-only advisor, Manhattan retirement planner, retirement planning Manhattan, flat-fee planning, hourly/project, retainer, AUM, equity-compensation, taxable-gain, and estate-coordination questions across NYC, Manhattan, Brooklyn, Queens, Westchester, Hudson County, and the broader NYC Metro.
Nearby guides
- New York financial advisor fees
- NYC Metro advisor fees
- Manhattan retirement planner fees
- Brooklyn retirement planner fees
- Queens retirement planner fees
- Westchester County advisor fees
- Hudson County NJ advisor fees
- New Jersey financial advisor fees
Fast tools
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- Financial advisor fee comparison chart
- Flat-fee vs AUM break-even calculator
- AUM fees by balance
- Compare financial advisor rates
Fiduciary and fee-only financial advisor NYC: cost checks
Fiduciary and fee-only are important filters, but they do not prove the quote is fair. Ask each advisor to convert the proposal into first-year and ongoing annual dollars, then compare that cost with the written scope.
| Portfolio | 0.50% | 0.75% | 1.00% | Question to ask |
|---|---|---|---|---|
| $1,000,000 | $5,000/yr | $7,500/yr | $10,000/yr | Is planning included or mainly portfolio management? |
| $2,000,000 | $10,000/yr | $15,000/yr | $20,000/yr | Are tax, estate, equity, and implementation topics included? |
| $5,000,000 | $25,000/yr | $37,500/yr | $50,000/yr | Would a tiered schedule, flat annual fee, or private wealth scope be clearer? |
Financial planners NYC fee: what to compare
- AUM: compare the percentage as annual dollars and ask what planning work is included.
- Flat annual: useful when planning scope is the main value and the fee should not rise automatically with assets.
- Hourly/project: useful for a focused retirement, equity-compensation, tax-window, or second-opinion project.
- Retainer: useful for ongoing access if meetings, response time, and deliverables are clear.
Manhattan retirement planner and NYC planning prompts
Manhattan retirement planner and NYC fiduciary searches often involve taxable accounts, equity compensation, carried interest or bonus cash flow, concentrated positions, apartment or co-op decisions, charitable giving, estate coordination, and multistate tax questions. Ask whether those topics are included before comparing performance history or firm size.
- If the plan involves RSUs, options, concentrated stock, private-company equity, or annual bonuses, ask for a written diversification and tax process.
- If retirement is within 10 years, ask for a written income plan covering Social Security, Roth conversions, RMDs, Medicare/IRMAA, taxable withdrawals, and cash reserves.
- If the search crosses Manhattan, Brooklyn, Queens, Westchester, Hudson County, or New Jersey, compare the same scope and annual-dollar fee before choosing.
What to compare before an intro call
- Total first-year and ongoing annual fee in dollars.
- Fiduciary status for planning, investments, and implementation.
- Included planning topics, excluded work, and separate project fees.
- Meeting cadence, response standard, and who performs the planning.
- Fund, platform, UMA, overlay, custody, tax, legal, and insurance costs.
5 copy/paste questions to ask a New York City advisor
- What is my total first-year cost and ongoing annual cost in dollars?
- Are you acting as a fiduciary for planning, investments, and implementation?
- Are you fee-only, and what compensation conflicts should I know about?
- Does your fee include tax-aware withdrawals, equity-compensation planning, charitable giving, estate coordination, and implementation?
- What work is excluded from the fee and billed separately?
Methodology
This page is a fee-first educational guide for comparing fiduciary financial advisor NYC, fee-only financial advisor NYC, fee-only financial planner NYC, financial planners NYC fee, Manhattan retirement planner, flat-fee, hourly/project, retainer, and AUM advisor quotes. We compare fee models in annual dollars and route readers to nearby Clear Money Guide location pages, calculators, and editorial resources. It is not individualized financial, tax, legal, or investment advice. See our editorial policy, corrections policy, and disclaimer.
This page was materially reviewed on July 6, 2026.