Guides › Financial Advisor Fees
Updated September 28, 2026. Quick answer: First Citizens Investor Services discloses a tiered schedule starting at 1.30% in its Form ADV Part 2A Firm Brochure (September 17, 2026). Converted to dollars, that runs $5,725 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 Form ADV Part 2A Firm Brochure (September 17, 2026): “Account Value Advisory Fee First $100,000 1.30% Next $150,000 1.20% Next $250,000 1.05% Next $500,000 0.90% Over $1,000,000 0.85%”
Note: CRD 44430 independently re-verified ACTIVE/isSECRegistered=Y, a dually registered SEC broker-dealer/investment adviser that managed $2.63 billion as of December 31, 2025. FCIS offers several advisory programs; the Wealth Strategies Portfolio Management Advisory Fee schedule was used because it is the firm’s flagship program currently open to new accounts. The $25,000 minimum account size is below all balances modeled here.
- First $100,000: 1.30%
- Next $150,000: 1.20%
- Next $250,000: 1.05%
- Next $500,000: 0.90%
- Over $1,000,000: 0.85%
What you would pay
| Account balance | Annual fee (dollars) | Effective rate |
|---|---|---|
| $250,000 | $3,100 | 1.24% |
| $500,000 | $5,725 | 1.15% |
| $1,000,000 | $10,225 | 1.02% |
| $2,000,000 | $18,725 | 0.94% |
Each balance is billed against the Advisory Fee column only, excluding an optional portfolio-manager add-on and an optional tax-aware add-on the brochure prices separately: 1.30% on the first $100,000, 1.20% on the next $150,000, 1.05% on the next $250,000, 0.90% on the next $500,000, and 0.85% on any amount over $1,000,000, with no additional fee floor stated for this program.
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, First Citizens Investor Services’s own published rate runs $5,725 a year.
Comparing First Citizens Investor Services against a full move? Read the general mechanics of switching financial advisors, or use a dated termination letter once you decide.
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- Form ADV Part 2A Firm Brochure (September 17, 2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1058217
- SEC Investment Adviser Public Disclosure, First Citizens Investor Services, Inc. (CRD #44430): https://adviserinfo.sec.gov/firm/summary/44430
- First Citizens Investor Services, Inc., SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/44430/PDF/44430.pdf
Methodology. This page was built September 28, 2026, drawing on First Citizens Investor 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.
Thinking about leaving First Citizens Investor Services instead of pricing what you would pay to stay? See what it costs to leave, or read the general mechanics of switching financial advisors.
Weighing whether to move ahead? Read the full First Citizens Investor Services review.
Is First Citizens Investor Services 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 First Citizens Investor Services’s minimum investment, straight from its own Form ADV Part 2A brochure.