Guides › Financial Advisor Fees
Updated September 19, 2026. Quick answer: Osaic is a registered investment adviser. Per its own current fee brochure, a $500,000 account would run up to $12,500 a year (the published maximum, which the firm says is negotiable) under its published fee schedule; the minimum to open an account is no published minimum account size, but a $30-a-year minimum fee for Ally Account. Already a client and thinking about leaving? Budget $150 non-retirement transfer; $125 retirement-account termination. Is it a fiduciary? Yes, as a registered investment adviser, on the advisory services this page covers.
Osaic at a glance
| Fact | What Osaic’s own pages say |
|---|---|
| Legal entity | Osaic Advisory Services, LLC d/b/a Osaic Advisors |
| Registration | Osaic Advisory Services, LLC, also doing business as Osaic Advisors (“OAS”, “we”, “our”, or “us”), is registered with the Securities and Exchange Commission (“SEC”) as an investment adviser. |
| Fee on a $500,000 account | Up to $12,500 a year (the published maximum, which the firm says is negotiable), per its own current brochure |
| Minimum to open an account | No published minimum account size, but a $30-a-year minimum fee for Ally Account |
| Cost to leave (exit fee) | $150 non-retirement transfer; $125 retirement-account termination |
What Osaic’s own fee schedule charges
“The Ally Account has no minimum account size and advisory fees are negotiable. Advisory fees are billed monthly or quarterly and you have the option of choosing the billing methodology (flat, linear, or tiered); these elections are made on your advisory agreement. Advisory fees are negotiable, but the maximum annual fee allowed, regardless of account size, is 2.50%.”
Checked both Osaic Wealth, Inc. (CRD 23131, the broker-dealer-affiliated entity) and Osaic Advisory Services, LLC (CRD 171070, the corporate RIA sub-brand ‘Osaic Advisors’). Osaic Wealth’s Part 2A repeatedly states each Advisory Representative negotiates his/her own client fee schedule with no firm-wide cap disclosed for its general asset-management programs (only narrow caps for a retirement-plan consulting product and an annuity sub-fee, neither a general AUM schedule). Osaic Advisory Services’ Part 2A does disclose a firm-wide ceiling for its flagship Ally Account and repeats an identical 2.50% maximum for its Counsel and Partner wrap programs (Part 2A Appendix 1 brochures, brochureVersionIDs 1056419 and 1056418, also downloaded to sources/osaic/), so that entity/rate is used. No breakpoint table by account size is disclosed – 2.50% is a flat ceiling applied at any balance, individually negotiable downward. dollar_at values are simply balance x 2.50%: $6,250 / $12,500 / $25,000 / $50,000. This is honestly a ceiling, not a graduated schedule.
| Account balance | Annual fee |
|---|---|
| $250,000 | $6,250 |
| $500,000 | $12,500 |
| $1,000,000 | $25,000 |
| $2,000,000 | $50,000 |
See the full breakdown, including how the figure is calculated, on Osaic’s own fee page.
Is Osaic a fiduciary?
Osaic Advisory Services, LLC, also doing business as Osaic Advisors (“OAS”, “we”, “our”, or “us”), is registered with the Securities and Exchange Commission (“SEC”) as an investment adviser.
“When acting as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests.”
Our financial professionals can offer various types of advisory programs, platforms and services, and can earn more, or less, depending on the type of service, program or platform we recommend and that you select. Our financial professionals are also compensated in a variety of ways, and the compensation can be based on factors such as: the value of client assets they service; the time and complexity required to meet a client’s needs; or revenue OAS earns from the financial professional’s advisory services.
Full detail, including the exact registration type and source: Osaic’s fiduciary status, explained.
The minimum to open an account
“The Ally Account has no minimum account size and advisory fees are negotiable. … The Firm generally does not impose any requirements for opening or maintaining an account, such as a minimum account size. We will charge a minimum service fee which is the greater of $30 or up to 15 basis points (.15%) annually assessed to the advisor per account.”
No published minimum account size, but a $30-a-year minimum fee for Ally Account. See the full minimum-investment breakdown, including what that minimum would cost per year, on Osaic’s minimum investment page.
What it costs to leave
Osaic FS prices a non-retirement outgoing account transfer at $150, retirement-account termination at $125, and the annual IRA fee at $35, per the current Osaic FS Brokerage Fee Schedule for NFS Accounts effective October 1, 2024 (the document that now governs former Lincoln Financial Securities accounts, following Osaic’s May 6, 2024 acquisition of Lincoln’s wealth-management broker-dealers).
Full mechanics, sources, and the ACATS transfer process: how to leave Osaic.
What we would compare it against
Before you decide, run the numbers against another firm using the financial advisor fee comparison, or price the dollar cost of any percentage fee over time with the Financial Advisor Fee Calculator and the Fee Drag Calculator.
Compare your next step
Just comparing fees? Keep reading the fee guide.Optional next step
Explore an adviser match
Compare the services and the full fee before deciding whether to hire anyone.
- No fee to request a match
- No obligation to hire
Expect questions about your situation, your name, email and phone, and phone verification by text. A match is not guaranteed.
The form is run by Kapitalwise, our advisor-matching partner. Kapitalwise sends your details to advisers who pay for the introduction, so expect calls and texts. Clear Money Guide is paid when you submit the form, whether or not you ever hire anyone. This is free to you and there is no obligation to hire anyone.
Opens here. Nothing loads and nothing reaches Kapitalwise until you press the button.
How our partner relationships workCompare an adviser match before you decide
Ask about the full fee, what it covers and how the adviser is paid. A match is an introduction, not a recommendation from Clear Money Guide.
- Free matching service
- No obligation to hire
The matching service is run by WiserAdvisor, an independent advisor-matching company. It opens on their site, asks for your ZIP code and a few questions, and matches you with 2 to 3 vetted advisors. It is free to you. WiserAdvisor states the service is built for portfolios of $250,000 and above. By submitting, you consent to emails, phone calls and text messages from WiserAdvisor and up to three advisors, so expect to be contacted. Advisers pay for the introduction. Clear Money Guide is paid when you complete the form, whether or not you ever hire anyone. There is no obligation to hire anyone.
Continue to WiserAdvisorOpens on WiserAdvisor’s site in a new tab.
Source: WiserAdvisor’s service descriptionSources
- Osaic Advisory Services, LLC (d/b/a Osaic Advisors) Form ADV Part 2A Brochure (Current as of August 31, 2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1056417
- Form CRS (Client Relationship Summary) (February 2024 (document footer code THS-24-0071 02/24; no separate headline date printed on the CRS itself)): https://reports.adviserinfo.sec.gov/crs/crs_171070.pdf
- SEC Investment Adviser Public Disclosure, Osaic Advisory Services, LLC d/b/a Osaic Advisors (CRD #171070): https://adviserinfo.sec.gov/firm/summary/171070
- Osaic Advisory Services, LLC d/b/a Osaic Advisors, SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/171070/PDF/171070.pdf
Methodology. This page was built September 19, 2026, drawing directly on Osaic’s own current fee brochure and Form CRS, both linked above, plus this site’s own already-published fiduciary, minimum-investment, and (where one exists) how-to-leave pages for the same firm, each independently sourced when it was built. Any distinction 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, and it is not a substitute for reading Osaic’s own Form ADV Part 2A and Form CRS. We have not used Osaic as a client. Osaic did not pay for, review, or influence this content. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.
Comparing firms? See all 182 advisor firm reviews in one table, with each firm’s type and its fee on a $500,000 account.