Guides › Financial Advisor Fees
Updated September 23, 2026. Quick answer: Plancorp discloses a tiered schedule starting at 1.00% in its Plancorp Fee & Value Calculator (plancorp.com), embedded fee-schedule config in the published page, cross-checked against the firm’s Form ADV Part 2A Brochure (Fee-calculator page carries no printed revision date (site copyright 2026, fetched September 23, 2026); the corroborating Form ADV Part 2A Brochure is dated August 12, 2026). Converted to dollars, that runs $12,000 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 Plancorp Fee & Value Calculator (plancorp.com), embedded fee-schedule config in the published page, cross-checked against the firm’s Form ADV Part 2A Brochure (Fee-calculator page carries no printed revision date (site copyright 2026, fetched September 23, 2026); the corroborating Form ADV Part 2A Brochure is dated August 12, 2026): “constants: {“fee_tiers”:[{“limit”:2000000,”rate”:1},{“limit”:4000000,”rate”:0.8},{“limit”:6000000,”rate”:0.6},{“limit”:10000000,”rate”:0.5},{“limit”:25000000,”rate”:0.45},{“limit”:45000000,”rate”:0.4},{“limit”:75000000,”rate”:0.35},{“limit”:null,”rate”:0.3}]}. fee: function(){for(var e=0,t=0,a=this.constants.fee_tiers…;)…e+=s*(i.rate/100),t=i.limit;return Math.max(e, 12000)}. Corroborating Form ADV Part 2A Brochure, Item 5.B.i: When providing both investment management and financial planning services or standalone investment management services, we generally charge an asset-based fee. Clients are generally subject to a minimum annual fee of $12,000.”
- First $2,000,000: 1.00%
- $2,000,000 – $4,000,000: 0.80%
- $4,000,000 – $6,000,000: 0.60%
- $6,000,000 – $10,000,000: 0.50%
- $10,000,000 – $25,000,000: 0.45%
- $25,000,000 – $45,000,000: 0.40%
- $45,000,000 – $75,000,000: 0.35%
- Over $75,000,000: 0.30%
Minimum annual fee: $12,000.
What you would pay
| Account balance | Annual fee (dollars) | Effective rate |
|---|---|---|
| $250,000 | $12,000 | 4.80% |
| $500,000 | $12,000 | 2.40% |
| $1,000,000 | $12,000 | 1.20% |
| $2,000,000 | $20,000 | 1.00% |
Plancorp’s Form ADV Part 2A Brochure (Item 5) discloses only that it charges an asset-based fee under a cliff/breakpoint or tiered/blended schedule with a $12,000 annual minimum for wealth management, but does not print the actual percentage rates; those rates are hard-coded into the fee_tiers config of Plancorp’s own public Fee and Value Calculator page, which applies each tier’s rate only to the dollars within that band (marginal, not whole-balance) and then floors the total at the $12,000 ADV-stated minimum. At $250,000, $500,000, and $1,000,000, the 1.00 percent first-tier rate produces $2,500, $5,000, and $10,000, each below the $12,000 floor, so the floor of $12,000 applies at all three balances. At $2,000,000, the 1.00 percent rate on the full first tier produces exactly $20,000, which exceeds the floor.
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, Plancorp’s own published rate runs $12,000 a year.
Comparing Plancorp against a full move? Read the general mechanics of switching financial advisors, or use a dated termination letter once you decide.
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
- Plancorp Fee & Value Calculator (plancorp.com), embedded fee-schedule config in the published page, cross-checked against the firm’s Form ADV Part 2A Brochure (Fee-calculator page carries no printed revision date (site copyright 2026, fetched September 23, 2026); the corroborating Form ADV Part 2A Brochure is dated August 12, 2026): https://www.plancorp.com/fee-calculator
- SEC Investment Adviser Public Disclosure, Plancorp, LLC (CRD #106599): https://adviserinfo.sec.gov/firm/summary/106599
- Plancorp, LLC, SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/106599/PDF/106599.pdf
Methodology. This page was built September 23, 2026, drawing on Plancorp’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 Plancorp 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 Plancorp’s minimum investment, straight from its own Form ADV Part 2A brochure.
Weighing whether to move ahead? Read the full Plancorp review, including its fiduciary status and what it costs to leave.
Comparing Plancorp against other options? See Plancorp alternatives, including a lower-fee full-service firm, a flat-fee route, and a robo/hybrid.
Thinking about leaving Plancorp instead of pricing what you would pay to stay? See what it costs to leave, or read the general mechanics of switching financial advisors.