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Updated September 17, 2026. Quick answer: Thrivent discloses a tiered schedule of maximum rates, from 2.00% down to 0.90%, in its Thrivent Investment Management Inc. Managed Accounts Program Brochure, Form ADV Part 2A Appendix 1 (July 2026). Converted to dollars, the most you would pay is $7,750 a year on a $500,000 account; see the full table below for $250,000, $1 million and $2 million.
Fee schedules at comparable advisory firms: Silvercrest Asset Management Group Fees (2026), Snowden Lane Partners Fees (2026) and SoFi Invest Fees (2026).
The published numbers
From the Thrivent Investment Management Inc. Managed Accounts Program Brochure, Form ADV Part 2A Appendix 1 (July 2026): “You will be charged a Program Fee for each Account in the Program. The Program Fee will not exceed the applicable rate from the following fee schedule(s).” Those maximums are the Advisor, Advisor Guided, SELECT, Income-Focused, Genesis, Shepherd, Impact and Shield schedule; 1.70% from $250,000, 1.55% from $500,000 and 1.45% from $1,000,000.
- Up to $99,999: 2.00%
- $100,000 to $249,999: 1.85%
- $250,000 to $499,999: 1.70%
- $500,000 to $999,999: 1.55%
- $1,000,000 to $2,999,999: 1.45%
- $3,000,000 to $4,999,999: 1.25%
- $5,000,000 to $9,999,999: 1.00%
- $10,000,000 and above: 0.90%
The most you would pay
| Account balance | Maximum annual fee (dollars) | Maximum effective rate |
|---|---|---|
| $250,000 | $4,250 | 1.70% |
| $500,000 | $7,750 | 1.55% |
| $1,000,000 | $14,500 | 1.45% |
| $2,000,000 | $29,000 | 1.45% |
Thrivent uses a breakpoint schedule: the single rate for your bracket applies to the whole balance, not just the amount above the breakpoint. These are the Maximum Program Fee rates on Thrivent’s Advisor, Advisor Guided, SELECT, Income-Focused, Genesis, Shepherd, Impact and Shield schedule, the one covering the programs open to new investors at the $25,000 minimum; the brochure states the Program Fee is negotiable, so an individual account can be lower. Thrivent’s separate SMA/UMA schedule runs higher, to a 2.50% maximum, and its Advantage schedule is closed to new investors. Optional Dedicated Planning Services is a separate fee component, but the brochure states the sum cannot exceed these same maximums. This is Thrivent Investment Management’s Managed Accounts Program (TIMI); the separate Thrivent Advisor Network channel discloses only a ceiling, not these breakpoints.
How this compares
Our benchmark of published adviser fee schedules puts the weighted median annual cost near $2,000 to $2,500 on $250,000 (the benchmark). At $500,000, Thrivent’s own published maximum runs $7,750 a year.
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- Thrivent Investment Management Inc. Managed Accounts Program Brochure, Form ADV Part 2A Appendix 1 (July 2026): https://www.thrivent.com/files/24839.pdf
- SEC Investment Adviser Public Disclosure, Thrivent Investment Management Inc. (CRD #18387): https://adviserinfo.sec.gov/firm/summary/18387
- Thrivent Investment Management Inc., SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/18387/PDF/18387.pdf
Methodology. This page was built September 17, 2026, drawing on Thrivent’s own SEC-filed disclosure and, where cited, its published fee schedule, with sources linked above; any figure we could not independently confirm this session is named as an honest gap rather than presented as verified. Nothing here is personalized financial, tax, legal, or investment advice. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.
Is Thrivent a fiduciary? See what its own Form CRS says, and how that compares to what you would pay.
What does it take to open an account? See Thrivent’s minimum investment, straight from its own Form ADV Part 2A brochure.
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