Guides › Financial Advisor Fees
Updated September 28, 2026. Quick answer: Frost Investment Services discloses a tiered schedule starting at 0.98% in its Frost Investment Services, LLC Investment Advisory Services Schedule of Fees (September 1, 2024). Converted to dollars, that runs $4,900 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 Frost Investment Services, LLC Investment Advisory Services Schedule of Fees (September 1, 2024): “FUND STRATEGIST PORTFOLIO PROGRAM. PROGRAM MINIMUM IS $25,000. Annual Advisory Program Fee: 0.80% on the first $5,000,000; 0.60% on the next $5,000,000; 0.50% over $10,000,000. Portfolio Strategy Fee: 0.18% on the first $5,000,000; 0.14% on the next $5,000,000; 0.10% over $10,000,000.”
Note: Frost Investment Services offers several advisory programs with different account minimums; the figures here price its Fund Strategist Portfolio Program and Optimum Asset Allocation Strategy (both $25,000 account minimum), which combine an Annual Advisory Program Fee with a separate Portfolio Strategy Fee. Frost’s Unified Managed Accounts Program (a $250,000 minimum) instead charges 1.25%/1.10%/1.00%/0.85% with no separate portfolio strategy fee. This is a different, not-cheaper, schedule not priced here.
- First $5,000,000 (0.80% program + 0.18% portfolio strategy): 0.98%
- Next $5,000,000 (0.60% program + 0.14% portfolio strategy): 0.74%
- Over $10,000,000 (0.50% program + 0.10% portfolio strategy): 0.60%
What you would pay
| Account balance | Annual fee (dollars) | Effective rate |
|---|---|---|
| $250,000 | $2,450 | 0.98% |
| $500,000 | $4,900 | 0.98% |
| $1,000,000 | $9,800 | 0.98% |
| $2,000,000 | $19,600 | 0.98% |
Frost’s own fee schedule combines two marginal, stacked components for this program: the Annual Advisory Program Fee and the Portfolio Strategy Fee, both charged on the same brackets, for a combined marginal rate of 0.98% on the first $5,000,000; dollar_at = balance x 0.0098 at each of the four benchmark balances shown, since all four fall within the first $5,000,000 bracket. The Program’s own $25,000 account minimum is an eligibility threshold, not a fee 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, Frost Investment Services’s own published rate runs $4,900 a year.
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- Frost Investment Services, LLC Investment Advisory Services Schedule of Fees (September 1, 2024): https://www.frostbank.com/dam/Docs/AgreementsAndDisclosures/Personal/Brokerage/ManagedAccountsFeeSchedule.pdf
- SEC Investment Adviser Public Disclosure, Frost Investment Services, LLC (CRD #286129): https://adviserinfo.sec.gov/firm/summary/286129
- Frost Investment Services, LLC, SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/286129/PDF/286129.pdf
Methodology. This page was built September 28, 2026, drawing on Frost Investment Services’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.
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