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Updated September 18, 2026. Quick answer: RBC Wealth Management discloses a maximum, individually negotiated rate of 2.5% in its RBC Advisory Programs Disclosure Document (Form ADV, Part 2A Appendix 1, Wrap Fee Programs Brochure, RBC Wealth Management, a division of RBC Capital Markets, LLC) (June 30, 2026). Converted to dollars, that runs $12,500 a year on a $500,000 account; see the full table below for $250,000, $1 million and $2 million.
The published numbers
From the RBC Advisory Programs Disclosure Document (Form ADV, Part 2A Appendix 1, Wrap Fee Programs Brochure, RBC Wealth Management, a division of RBC Capital Markets, LLC) (June 30, 2026): “RBC WM Advice Fee. In all Programs, you will pay us an “RBC WM Advice Fee” which is an asset-based “wrap” fee for the services we and your Financial Advisors provide in the Programs. … Generally, the RBC WM Advice Fee is expressed as a schedule that applies different rates to specified asset levels, or breakpoints at which the percentage of the value of the managed assets paid goes down as the asset level increases. … Discounts, if any, are negotiated separately for each breakpoint. The maximum annual rate for the RBC WM Advice Fee is 2.50%.”
The published maximum: 2.5% per year.
What you would pay
| Account balance | Annual fee (dollars) | Effective rate |
|---|---|---|
| $250,000 | $6,250 | 2.50% |
| $500,000 | $12,500 | 2.50% |
| $1,000,000 | $25,000 | 2.50% |
| $2,000,000 | $50,000 | 2.50% |
RBC’s own brochure states its Advice Fee is a declining breakpoint schedule but does not publish the actual dollar breakpoints or per-bracket rates anywhere in the ADV or in RBC’s separately published public ‘Schedule of Fees’ (https://www.rbcwealthmanagement.com/assets/wp-content/uploads/documents/legal/schedule-of-fees-updated.pdf, also fetched and reviewed – it only cross-references the ADV for the wrap-fee numbers). The only concrete, auditable number in any RBC primary source is the disclosed ceiling: ‘the maximum annual rate for the RBC WM Advice Fee is 2.50%’ (the brochure separately discloses a 3.0% ceiling for the ‘total Program Fee’ inclusive of any third-party Investment Manager/Overlay/Model Provider fees, which was not used here since it is not the core wrap fee). Treated as fee_type ceiling at 2.50%: dollar_at = balance x 0.025.
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, RBC Wealth Management’s own published maximum rate runs up to $12,500 a year.
Thinking about leaving RBC Wealth Management instead of pricing what you would pay to stay? See what it costs to leave, or read the general mechanics of switching financial advisors.
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- RBC Advisory Programs Disclosure Document (Form ADV, Part 2A Appendix 1, Wrap Fee Programs Brochure, RBC Wealth Management, a division of RBC Capital Markets, LLC) (June 30, 2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1050110
- SEC Investment Adviser Public Disclosure, RBC Capital Markets, LLC (CRD #31194): https://adviserinfo.sec.gov/firm/summary/31194
- RBC Capital Markets, LLC, SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/31194/PDF/31194.pdf
Methodology. This page was built September 18, 2026, drawing on RBC Wealth Management’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 RBC Wealth Management 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 RBC Wealth Management’s minimum investment, straight from its own Form ADV Part 2A brochure.
Weighing whether to move ahead? Read the full RBC Wealth Management review, including its fiduciary status and what it costs to leave.
Comparing RBC Wealth Management against other options? See RBC Wealth Management alternatives, including a flat-fee route and a robo/hybrid, plus a lower-fee full-service firm.