Guides › Financial Advisor Fees
Updated September 19, 2026. Quick answer: SoFi Invest is less expensive at $500,000: $1,250 a year, versus $12,500 a year for UBS, computed from each firm’s own SEC-filed fee disclosure. See the full side-by-side table below for $250,000, $1 million and $2 million.
What each firm charges, side by side
| Account balance | SoFi Invest (annual fee) | UBS (annual fee) |
|---|---|---|
| $250,000 | $625 | $6,250 |
| $500,000 | $1,250 | $12,500 |
| $1,000,000 | $2,500 | $25,000 |
| $2,000,000 | $5,000 | $50,000 |
SoFi Invest discloses a flat, non-negotiable rate of 0.25% (Form ADV Part 2A – SoFi Wealth LLC Brochure, 2026-03-27); UBS discloses a maximum, individually negotiated rate of 2.5% (UBS Financial Services Inc. Form ADV Part 2A Brochure (PMP/AAP fee schedule), March 31, 2026).
What the fee includes, in each firm’s own words
SoFi Invest (Form ADV Part 2A – SoFi Wealth LLC Brochure, 2026-03-27): “Clients are charged an annual asset-based fee (the “wrap fee”) at the rate of 0.25% based on the value of each account enrolled in the program. This fee is non-negotiable.”
Flat, non-negotiable 0.25% annual wrap fee applied to the full account balance at any AUM level (SoFi Wealth’s automated/robo investing service, branded SoFi Invest, has no stated minimum or tiering in the fee schedule itself). Dollar figures = balance x 0.0025.
UBS (UBS Financial Services Inc. Form ADV Part 2A Brochure (PMP/AAP fee schedule), March 31, 2026): “UBS Investment Advisory Fee Schedule, Maximum Fee: All Assets and strategy types (Equity, Balanced and Fixed Income Accounts): 2.50%.”
UBS’s core retail advisory programs (Portfolio Management Program, Advisor Allocation Program) disclose a flat 2.50% maximum, negotiable rate rather than a published breakpoint table. UBS does publish a genuine tiered dollar schedule for Institutional Consulting, but that program requires a $5,000,000 minimum and is not representative of a typical account.
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, SoFi Invest runs $1,250 a year and UBS runs $12,500 a year: a difference of $11,250 a year at that balance.
Want the full breakdown for either firm on its own? Read the SoFi Invest fee page or the UBS fee page for the complete tier table and source citations.
Thinking about leaving one of these firms instead of pricing what you would pay to stay? See what it costs to leave UBS, or read the general mechanics of switching financial advisors.
Compare your next step
Just comparing fees? Keep reading the fee guide.Optional next step
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Source: WiserAdvisor’s service descriptionSources
- Form ADV Part 2A – SoFi Wealth LLC Brochure (2026-03-27): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1028153
- SEC Investment Adviser Public Disclosure, SoFi Wealth LLC (CRD #167958): https://adviserinfo.sec.gov/firm/summary/167958
- UBS Financial Services Inc. Form ADV Part 2A Brochure (PMP/AAP fee schedule) (March 31, 2026): https://www.ubs.com/us/en/wealth-management/about-us/disclosure-documents.html
- SEC Investment Adviser Public Disclosure, UBS Financial Services Inc. (CRD #8174): https://adviserinfo.sec.gov/firm/summary/8174
Methodology. This page was built September 19, 2026, re-pairing figures already archived and independently verified for SoFi Invest and UBS from each firm’s own SEC-filed disclosure; sources linked above. Nothing here is personalized financial, tax, legal, or investment advice. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.