Guides › Financial Advisor Fees
Updated September 19, 2026. Quick answer: Primerica is less expensive at $500,000: $8,550 a year, versus $15,000 a year for Lincoln Financial Advisors, 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 | Lincoln Financial Advisors (annual fee) | Primerica (annual fee) |
|---|---|---|
| $250,000 | $7,500 | $4,350 |
| $500,000 | $15,000 | $8,550 |
| $1,000,000 | $30,000 | $15,200 |
| $2,000,000 | $60,000 | $27,600 |
Lincoln Financial Advisors discloses a maximum, individually negotiated rate of 3.0% (Osaic FA, Inc. Premier Series Wealth Management Program, Form ADV Part 2A – Appendix 1 (Wrap Fee Program Brochure), October 1, 2024); Primerica discloses a tiered schedule starting at 1.25% advisory + 0.49% program = 1.74% (PFS Investments Inc. (Primerica Advisors) Wrap Fee Program Brochure, Form ADV Part 2A Appendix 1, March 30, 2026).
What the fee includes, in each firm’s own words
Lincoln Financial Advisors (Osaic FA, Inc. Premier Series Wealth Management Program, Form ADV Part 2A – Appendix 1 (Wrap Fee Program Brochure), October 1, 2024): “OFA updated this Brochure and Items 1, 2, 3, 4, 5, 6, 7, 8, and 9 to reflect the fact that Lincoln Financial Advisors Corporation has rebranded and changed its name to Osaic FA, Inc. effective June 6, 2024. … Prior to the rebrand and name change effective June 6, 2024 as detailed above, Items 4, 6, and 9 of this Brochure were updated on May 28, 2024 as part of an interim updating amendment to reflect the fact that Lincoln Financial Advisors Corporation was acquired by Osaic Holdings, Inc. effective May 6, 2024. … The maximum annual program fee in Premier is 3.00% of the client’s assets under management.”
IMPORTANT CONTEXT: Lincoln Financial Advisors Corporation ceased to exist as a distinct legal entity effective June 6, 2024 – it was acquired by Osaic Holdings, Inc. and renamed Osaic FA, Inc. (same CRD/registration, direct successor). CRD 3978’s SEC investment adviser registration was later terminated, effective January 28, 2025, and Osaic’s advisory business now runs through a different entity, Osaic Advisory Services, LLC (CRD 171070), which is SEC-registered today; both checked against SEC Investment Adviser Public Disclosure on September 19, 2026. The October 2024 brochure above is the last Premier Series brochure filed under CRD 3978 and is the source for the figures on this page. The Premier Series Program’s combined program fee (Sponsor Fee + Firm Fee + negotiable Adviser Fee + Manager/Strategist Fee + Broker-dealer/Custodian Fee, plus optional Overlay Services Fee) is capped at a disclosed maximum of 3.00% of AUM across all four Premier sub-programs; there is no single fixed published schedule since the Adviser Fee component is individually negotiated per client/IAR. dollar_at applies the disclosed 3.00% ceiling uniformly as the maximum a client could be charged (250000*0.03=7500; 500000*0.03=15000; 1000000*0.03=30000; 2000000*0.03=60000). Actual fees are typically lower and individually negotiated.
Primerica (PFS Investments Inc. (Primerica Advisors) Wrap Fee Program Brochure, Form ADV Part 2A Appendix 1, March 30, 2026): “Advisory fee (Maximum), Account Value: $250,000 or less, 1.25%; $250,000.01-$500,000, 1.25%; $500,000.01-$1,000,000, 1.10%; $1,000,000.01-$3,000,000, 1.00%. Program fee, Account Value: $250,000 or less, 0.49%; $250,000.01-$500,000, 0.46%; $500,000.01-$1,000,000, 0.42%; $1,000,000.01-$3,000,000, 0.38%.”
Primerica Advisors is a breakpoint schedule: only the rate for your bracket applies, to the whole balance. This covers PFS Investments’ Lifetime Investment Program specifically, not Primerica’s much larger commission-based insurance and mutual fund business. An additional Asset Manager fee (0.00% to 0.50%, depending on the model selected) can apply on top.
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, Lincoln Financial Advisors runs $15,000 a year and Primerica runs $8,550 a year: a difference of $6,450 a year at that balance.
Want the full breakdown for either firm on its own? Read the Lincoln Financial Advisors fee page or the Primerica 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 Primerica, or read the general mechanics of switching financial advisors.
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- Osaic FA, Inc. Premier Series Wealth Management Program, Form ADV Part 2A – Appendix 1 (Wrap Fee Program Brochure) (October 1, 2024): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=926535
- SEC Investment Adviser Public Disclosure, Osaic Advisory Services, LLC (CRD #171070): https://adviserinfo.sec.gov/firm/summary/171070
- Registration note: K74’s own fee page for Lincoln Financial Advisors cites CRD 3978 (Osaic FA, Inc.), whose SEC investment-adviser registration was terminated January 28, 2025. Lincoln’s advisory business today runs through Osaic Advisory Services, LLC (CRD 171070), the entity cited here.
- PFS Investments Inc. (Primerica Advisors) Wrap Fee Program Brochure, Form ADV Part 2A Appendix 1 (March 30, 2026): https://www.primerica.com/public/pdf/PFSI-PriAdvForADVWraFeeProBro.pdf
- SEC Investment Adviser Public Disclosure, PFS Investments Inc. (Primerica Advisors) (CRD #10111): https://adviserinfo.sec.gov/firm/summary/10111
Methodology. This page was built September 19, 2026, re-pairing figures already archived and independently verified for Lincoln Financial Advisors and Primerica 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.