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Updated September 28, 2026. Quick answer: First Command Advisory Services discloses a tiered schedule starting at 1.30% in its Form ADV Part 2A, Appendix 1 (Wrap Fee Program Brochure) (May 15, 2026). Converted to dollars, that runs $6,125 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, Appendix 1 (Wrap Fee Program Brochure) (May 15, 2026): “Partners / Foundations / Select Value of Account Assets Annual Management Fee First $250,000 1.30% Next $250,000 1.15% Next $500,000 1.00% Next $1 million 0.75% Assets over $2 million 0.50%”
Note: CRD 281958 was confirmed ACTIVE and SEC registered through a live SEC IAPD lookup on September 28, 2026. First Command Advisory Services, Inc. is the registered adviser, a subsidiary of First Command Financial Services, Inc. and affiliated with First Command Brokerage Services, an insurance agency and a federal savings bank, serving mainly military families. The firm reports about $24.4 billion in regulatory assets under management across 113,591 accounts, and its Part 1A reports mostly individual clients. The figure comes from the Wrap Fee Program Brochure and covers the Partners, Foundations and Select programs. The separate Elite and Premier Income schedules are not used.
- $0-$250,000: 1.30%
- $250,001-$500,000: 1.15%
- $500,001-$1,000,000: 1.00%
- $1,000,001-$2,000,000: 0.75%
- $2,000,001 and above: 0.50%
The priced figure is the single bundled wrap fee for the Partners, Foundations and Select programs, which the brochure says covers day-to-day asset management, the cost of executing securities transactions and oversight of the account, so no separate commissions or ticket charges apply. Outside that fee, the brochure says clients pay charges under the affiliated broker-dealer’s fee schedule for requested services and account actions, some of which are marked up from the clearing firm’s charges, plus IRA custodial fees, and the internal expenses of the underlying mutual funds and ETFs, which it says typically range from 0.3% to 1.5% of assets annually and are in addition to the advisory fee. Third-party manager fees, platform fees and overlay charges apply only to the Elite and Premier Income programs and are not part of the priced schedule.
What you would pay
| Account balance | Annual fee (dollars) | Effective rate |
|---|---|---|
| $250,000 | $3,250 | 1.30% |
| $500,000 | $6,125 | 1.23% |
| $1,000,000 | $11,125 | 1.11% |
| $2,000,000 | $18,625 | 0.93% |
Each balance was priced with each rate applied only to the band it covers, and the brochure confirms this with a worked example in which the first $250,000 pays 1.30%, the next $250,000 pays 1.15% and the remainder up to $750,000 pays 1.00%. The scheduled fee is $3,250 at $250,000, $6,125 at $500,000, $11,125 at $1,000,000 and $18,625 at $2,000,000. The brochure discloses account minimums of $5,000 for entry into these programs but no minimum annual fee floor, so none applies. The brochure says the fee for these programs is not negotiable, while reserving the right to discount at its sole discretion.
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 Command Advisory Services’s own published rate runs $6,125 a year.
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- Form ADV Part 2A, Appendix 1 (Wrap Fee Program Brochure) (May 15, 2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1049359
- SEC Investment Adviser Public Disclosure, First Command Advisory Services, Inc. (CRD #281958): https://adviserinfo.sec.gov/firm/summary/281958
- First Command Advisory Services, Inc., SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/281958/PDF/281958.pdf
Methodology. This page was built September 28, 2026, drawing on First Command Advisory Services’s own SEC-filed disclosure and, where cited, its published fee schedule, with sources linked above; any figure we could not independently confirm before publication 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.