Skip to content
Independent money guidance
Clear Money Guide
Start here
Menu

AUM Fees at $2M 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 $2M table
At $2M, ask about breakpoints
Methodology

Comparison tables scroll horizontally on smaller screens.

Updated July 7, 2026. Quick answer (2026): AUM fees at $2M are about $20,000/year at 1.00%, $15,000/year at 0.75%, and $10,000/year at 0.50% before fund, platform, overlay, trading, tax-prep, or implementation costs. At this balance, fee breakpoints and flat-fee alternatives can change the cost by thousands per year.

AUM fees at $2M table

AUM rate Annual advisor fee Ask before accepting
1.00% $20,000/year Are breakpoints, household billing, or caps available?
0.75% $15,000/year What tax, estate, charitable, and implementation work is included?
0.50% $10,000/year Is the lower cost tied to a narrower service model?

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

At $2 million, where does the measured cost sit?The measured band against this page’s own 0.50 / 0.75 / 1.00% ladder.At $2 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)$10,000$15,000$20,000$16,000 to $19,375$0$12,000$24,000$36,000The band sits entirely between this page’s0.75% and 1.00% lines.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 $2 million: what this page’s rate ladder computes, against what SEC-registered firms actually disclose. Axis maximum $36,000, 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 $2M, ask about breakpoints

  • A 0.25 percentage-point difference equals about $5,000/year on a $2M portfolio.
  • Confirm whether the advisor charges on the full balance or uses tiered breakpoints.
  • Compare AUM against flat annual, retainer, hourly, and project quotes for the same planning scope.

Methodology

  • We convert common AUM rates into annual dollar amounts for a $2,000,000 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 $2,000,000 is $16,000 to $19,375, taken from the Form ADV Part 2A filings of 176 SEC-registered advisers. The full benchmark, with method.

Next step